# complaints

Product: XXXX
Subissue: Mid-Atlantic Finance Co., Inc.
Consumer_narrative: AL
Company_public_response: 351XX
State: Consent provided
ZIP_code: Web
Submitted_via: 05/13/2016
Date_sent_to_company: Closed with monetary relief
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Date_received:
4 ) MAF - Agreement XX/XX/XXXX - Agreement clearly stating that if the {$500.00} was paid by XXXX XXXX

Subproduct:
 my account would be considered "" settlement of the account '' yet MAF has reported it as a PAYMENT."


Date_received: 03/28/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: United Consumers Inc
State: VA
ZIP_code: 222XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The company left several messages over a span of a month or two. The messages were intimidating and aggressive - the recorded voice emphasized that it was important that the listener be in a private location and only be the person intended for the message. There was no reference to a specific debt the company was trying to collect. When I called the company I told them that I was not the person they were trying to reach, they did take me off their list. But based on the nature of the message and its tone, I 'm afraid they may be intimidating others, especially elderly people.


Date_received: 06/22/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I opened a CitiGold checking account online in XXXX of XXXX. At this time I was already a Citibank customer with an credit card account that earns their 'XXXX Points '. The checking account was opened using a promotional offer that Citi had, which provided a bonus XXXX Points ( worth approximately {$500.00} ) once the following conditions were met : that I make XXXX bill payments in XXXX separate months within 2 months of opening the account. I opened the account, and verified ( via Secure Message and using their Online Chat application ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told in accordance with the promotional terms that the bonus points will post within XXXX statements or 90 days of completing the requirements, which would have been XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have paid {$90.00} total in monthly fees to Citi, and Citi has not upheld its side of the promotion. Citi now claims that I was never eligible for the promotion, despite the fact that they confirmed my eligibility several times and provided specific dates and milestones that correlated to that eligibility. This is very unfortunate in that in the seven months this account has been open, numerous Citi reps have confirmed my enrollment in this promotion, eligibility and satisfaction of the promotion requirements to earn the bonus for this checking account. The last Citibank rep I spoke with told me that the points would post within 90 days of meeting the requirements. Only now, after they have collected fees for 90 days of waiting, did Citi decide to inform me that I am not eligible. If I was ineligible, why was I not informed earlier? I understand that Citibank reserves the right to 'target ' specific customers for promotional offers, however, the onus is then also on them screen applicants who apply for their eligibility for said offers. Instead, I was able to open an account under this promotion, and then falsely told multiple times that I would receive a bonus which is now not being honored. Therefore, I find this practice to be very deceptive and would like to file a complaint.


Date_received: 04/27/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Minnesota Life Insurance Company
State: IN
ZIP_code: 461XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I am going through XXXX XXXX I have consolidated and personal finance is one of my creditors that we have consolidated and XXXX from personal finance keeps calling me at work threating me that he do n't work with this company and they are going to garnish my wages. I am dealing with a guy named XXXX and he told me that yes they do work with personal finance. How do I get personal finance to stop calling me at work? The number for personal finance is XXXX. This bill was getting paid until I consolidated it. Please help me .. Thanks again XXXX XXXX my number is XXXX


Date_received: 06/06/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Select Portfolio Servicing, Inc
State: MA
ZIP_code: 023XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX. I am the sole creator and owner of the monetary instrument Promissory Note used for the referenced property and account. I asked Select Portfolio Servicing, Inc. to return my property to me and they refused to do so.


Date_received: 04/21/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
As of XXXX XXXX, 2016 Seterus, Inc took over my mortgage from XXXX. Approximately the XX/XX/XXXX I received a notice from Seterus stating that I do not have hazard insurance and that if I do n't get it myself they will set it up. I called the customer service number and told them about my insurance and updated my insurance information via their website as instructed. On XXXX XXXX I received a second and final notice of forced placed hazard insurance. Before I called, I sent in my insurance information via the website, mailed it and faxed it. Then I called and they said that since I had insurance, the forced placed insurance would not be instituted. In XXXX I got notice of the billing for the insurance. I was charged {$2500.00} for the XXXX XXXX forced placed hazard insurance. Again, I updated through the website, mailed, faxed and this time I called my insurance agent and asked him to update my mortgage holder with the insurance company. Again, I called and I was told that they received my insurance information and that the charge for XXXX XXXX would be reversed. For the past several weeks I have called 1-2 per week trying to get this fixed. Every time I speak with someone, my answers from them are different. My escrow balance is lower than what I calculate it to be by {$750.00} from my statements. When I called escrow, they have an even different amount showing my escrow balance. I have asked for an accounting and I was told " we have already sent it to you. '' I have requested it via fax ( have copy of request and their acknowledgement that they received fax ) and yet I have not received it. I was told it was sent on a date in XXXX when I requested it on XXXX XXXX. Everytime I speak with them I am on hold for 20 minutes at a time and never get straight answers. Originally

Company_public_response:
 my escrow payment was {$600.00} per payment. Then it was raised to {$680.00} for the forced placed hazard insurance. Since I can not get an accounting of my escrow

Company:
 I do not know the exact amount that was transferred with the loan from XXXX XXXX XXXX. My tax payment that was showing from XXXX XXXX XXXX did not reflect my XXXX XXXX and therefore was showing almost double so I understand that was reflected in the {$600.00} escrow payment. When I received my notice of XXXX Tax payment I forwarded it to Seterus via Fax. They showed on the website the corrected amount of taxes within days and showed they made the spring payment. On my XXXX XXXX

State:
 2016 statement I show an escrow balance of {$4000.00}. They only show paying XXXX taxes of {$1100.00}. However

ZIP_code:
 I was just told on the phone that they reversed the charge for XXXX XXXX but my escrow balance is only {$1800.00}. My balance should therefore be {$2800.00}. I was told on the phone just now by the escrow CSR XXXX XXXX that "" everything is paid '' but would not tell me what exactly "" everything '' was. When I called I thought my balance was {$750.00} short. After talking to escrow


Date_received: 04/28/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Navient Solutions, Inc.
State: WA
ZIP_code: 988XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My wife and I were victims of the XXXX XXXX flood in XXXX in 2011. We were offered a FEMA emergency Loan for {$20000.00}, with {$89.00} a month payments for 30 years, which we made monthly payments on. SBA/FEMA turned it over to a private collection agency, PIONEER CREDIT RECOVERY, INC. out of XXXX, XXXX. They threatened to garnish our wages, and we disputed the debt, and the verification came back that we now owe {$20000.00}, when their own form says we only owe {$15000.00} They have refused to honor our requests to go back to the XXXX a month, and I think what they are doing is illegal.


Complaint_ID: Yes
Date_received:
-We had not heard anything from XXXX XXXX our closing date approached. I contacted XXXX XXXX ( Loan Officer ) on XXXX/XXXX/XXXX to make sure everything was on schedule and did not receive a response. We then called called XXXX XXXX, the Loan Processor, a week before our closing and were told that we had " unreasonable expectations '' if we thought wewould close according to our contract


Complaint_ID: Yes
Date_received:
2. Our contract with BBVA included a PMIpayment of {$110.00}. We were quoted this amount when we met with the Loan Officer and it was also reflected on the Loan Estimate we signed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX


Product: XXXX XXXX suggested that BBVA could refinance the loan after closing
Complaint_ID: Yes
Date_received:
XXXX XXXX suggested that we could getPMI removed entirely as our appraisal reflected XXXX % equity.When it did not look like BBVA could accomplish this


Subproduct: BBVA Compass
Issue: TX
Subissue: 780XX
Company_public_response: Consent provided
Company: Web
State: 03/15/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Since closing BBVA has stated that they are not required to meet the terms of theoriginal Loan Estimate. They offered to reimburse for the daily fee on the condition that we sign a confidentiality agreement that we believe will eliminate our ability to pursue the change in PMI."


Date_received: 04/13/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Shopping for a loan or lease
Company_public_response: except the customer service phone number. After reaching to them again ( for the 4th or 5th time )
Company: they tell me that there is nothing that they can do
Complaint_ID: Yes
Consumer_narrative:
In XXXX, my wife purchased XXXX vehicles with Ford, as part of our process to move to the US. I did n't apply with her because at the moment of the purchase, we were not married and I did n't have a social security card. one of these cars was bought with a loan from Ford Credit. In XXXX XXXX, once married and once I had accumulated enough credit history, we contacted Ford Credit in order to add me to the car loan. We applied and we provided all the information that Ford Credit required. After some conversations with their customer service department, we were required to provide a notarized copy of my social security card, which we did. Two weeks later, we got a letter ( attached ) stating that my request had been denied, but without clarifying the real reason for their decision. I had to contact them again, and they stated that they could n't provide this data over the phone, and that they could send us a letter with these reasons. We received this letter ( also attached ) 3 weeks later, stating that the application had been denied because they were " Unable to Verify the Validity of the Social Security Number ''. This letter did n't have any other information


Date_received: I find it extremely ridiculous that Ford Credit continuously wastes our time
Subproduct: but diverting us and making us wait till we receive another useless letter
Issue: which will lead to another time wasting call."
Consumer_narrative: Ford Motor Credit Company
Company_public_response: IL
Company: 625XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 04/13/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1877742
Product:
 diverting us with letters and making us call the same number again and again to receive different information each time and never providing a real answer


Date_received: 05/03/2016
Product: Credit card
Issue: Convenience checks
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: TN
ZIP_code: 370XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Bank of America lied to me about the interest rate on my credit card. I was told that the go to rate on my card would be XXXX instead it went to 22 % interest. They stated it was because of how I accessed the cash with a convenience check instead of doing it online or over the phone even though when I made the advance I was told it go to the purchase APR and not the cash advance APR.


Date_received: 05/11/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Company: Equifax
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The agents I spoke from equifax were not helpful at all. I received my credit report by mail and most of the inquiries were from companies I 've never contacted or tried to open any accounts with. I never used my social security number or any of my information with them. These companies that show on my credit report are : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX services. I have never contacted or been involved or have gave any authorization to them with my information to run my credit or open accounts with these companies. Equifax agent told me to call these companies and tell them to get me removed from my credit report. I called each one of these companies and they all said I have no open accounts with them and they have n't ran my credit or anything with my social security number or name so there is no way they can remove inquiries when there is no open accounts under my information. These companies told me to contact equifax again and let them know that they have never ran my credit or have any accounts open. So I did called equifax and they told me that it does show that these companies ran my credit. At this point i do n't know what to do. I spoked to XXXX agents from equifax and they were n't helpful at all. This is very stressful. And I need someone to help me and get these inquiries removed from my credit report. If these companies and equifax ca n't remove the inquiries who can?. It is frustrating because I never got involved or contacted any of these companies to even be on my credit report. The reason why I wanted my credit report was because I was barely going to start with my credit. Thinking I was going to be accepted because I 've never have had any credit anywhere with no one. I wanted to start my credit at XXXX. I was n't accepted for credit. the reason why was either I 've had a delinquent past or open /active accounts that Have n't been paid. I have never had any accounts with any companies, or have gotten any loans from no XXXX in my 24 years of life and definitely no delinquent past. When I saw the inQuiries from these companies I was shocked because I 've never had anything to do with them. I thought I was a victim of identity theft or maybe I am. I 'm thinking maybe someone is using my identity, using my information, opening accounts with my information. Messing up my credit. But where can I find out? Who do I go to or call? Equifax was n't helpful. It is frustrating. I need someone to help me clear this out.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Company: Portfolio Recovery Associates, Inc.
State: UT
ZIP_code: 840XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, XXXX, at approximately XXXX hours, I received a phone call from telephone number XXXX which is a contact number tied to Portfolio Recovery XXXX. When I answered the call, the collector failed to identify herself, failed to identify where she was calling from, and failed to provide the XXXX Miranda Warning or a XXXX Miranda warning which is a violation XXXX.. The collector was attempting to find my deceased mother who passed away in XXXX. She then demanded a death certificate and when I refused, she proceeded to hang up on me. The same company has been contacting my grandmother and my father ( divorced two years prior to death ) for the past three years.


Date_received: 06/24/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Midwest Recovery Systems
State: FL
ZIP_code: 333XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
Midwest Recovery Systems, LLC reported to the credit bureaus that I had an account placed in collections. According to XXXX data the company placed the account into collections on XXXX XXXX, 2016 and reported an unpaid balance of {$480.00}. Midwest Recovery Systems, LLC indicated that the Date of 1st Delinquency XXXX. I was never notified in write about the attempts to collect a debt nor any information sent to my address indicating what I had a debt with this company.


Date_received: 04/29/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Company: Afni, Inc.
State: TX
ZIP_code: 752XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Spoke with representative and informed her that I was n't made aware of this really old debt and had n't been contacted about it. Now that I pulled my credit report I wanted to take care of it, only if they would agree to delete it from my report and send me something in writing stating that it was resolved and would be deleted. I specifically ask if paying the debt could get the debt deleted. The rep verbally agreed that once payment was receive that the XXXX XXXX XXXX debt would be deleted from my credit report and that act was misleading and deceptive. Now they are telling me that they are unable to delete it from my credit. I 've made several calls in attempt to speak to a manager ( XXXX and XXXX ) but somehow they are never available to take my call or some how the call is mysteriously dropped.


Date_received: 03/31/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I am being reported 60 days late with XXXX XXXX XXXX regarding my student loan while I was under deferment. They are erroneously reporting me 60 days late with XX/XX/2011. This needs to be updated to correct the status. Furthermore this was transferred /sold to another servicing company called XXXX and XXXX is duplicating this account and should be deleted all together


Date_received: 05/07/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company_public_response: when ahead and reported both accounts on my personal income taxes for XXXX and XXXX
Date_sent_to_company: full account numbers are reflected in the attachment. '' XXXX"
Company_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Timely_response: TransUnion Intermediate Holdings, Inc.
Consumer_disputed: CA
Complaint_ID: 925XX
Consumer_narrative:
I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then

Company:
 and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven

State:
 XXXX XXXX has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven

ZIP_code:
 the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX XXXX

Submitted_via:
 getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX


Date_received: 03/12/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Windham Professionals
State: FL
ZIP_code: 323XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/12/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I contacted this company on numerous occasions asking them to validate the debt to which they have reported on my credit profile. However, I never received a response from the company. I went online and disputed the same account through the credit bureau to which they replied the account was mine. I will ask XXXX last time for a legal debt validation on this fraud account.Furthermore, in accordance with the XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX, I am asking for a copy of the contract which contractually binds me to this debt. The account # is XXXX. I have never made a debt with this company and never made a promise to pay anything regarding this company. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.


Complaint_ID: Yes
Date_received:
So in desperation I paid them for a report. Then I found in the fine print on the very last web option

Product:
 that now I was a "" member '' and they would charge me {$25.00} additional every month. I never signed up for that and it is a complete ripoff. I had to call them to complain


Product: and not serve the public."
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: TransUnion Intermediate Holdings, Inc.
Subissue: OH
Consumer_narrative: 430XX
Company_public_response: Older American
Company: Consent provided
State: Web
ZIP_code: 05/05/2016
Submitted_via: Closed with non-monetary relief
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
The best evidence I can give you is just try it yourself. Any reasonable person would conclude as I have that their web pages do NOT constitute de facto compliance with the FCRA. They are deliberately designed to just male money for themselves


Date_received: 05/13/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Santander Consumer USA Holdings Inc
State: NC
ZIP_code: 280XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Santander Consumer USA is charging me more interest and fees than what was disclosed in the contract. This is a breach of contract and several violations under the truth & lending laws under State and Federal. They are also charging me add on fees and late fees that were n't disclosed. I also called the about my payment being late and I was told they would let me skip XXXX payments and just add it to the end of my contract but instead to this day XXXX/XXXX/2016 it 's showing I am behind {$1200.00}. Also I wanted to payoff the loan which the payoff should be around {$17000.00} but Santander is telling me the payoff is {$20000.00} which is another violation in the truth and lending. How can Santander USA get away with all the crooked Business they are doing??? I have read over XXXX complaints about this Business Please CFPB do something. I might just find a Class Action Lawyer to go after them.


Date_received: 04/29/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Capital Management Services, LP
State: TN
ZIP_code: 370XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently received a letter from this company demanding payment. I have never done business with this company and they have not provided me with a service and nor have I agreed to pay them for services or goods


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Transworld Systems Inc.
State: CO
ZIP_code: 806XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I went on line and purchased real estate leads in XXXX cities. The company is called XXXX I paid XXXX for each city. They would send me name and number and price range that customers were searching for. What they said to me was that I could go on a month to month and quit it after 1mo if I so desired and there would be no additional fees if I decided to nolonger use them. I paid a total of XXXX on XX/XX/2016 and the leads started XX/XX/2016. As I worked these leads it was apparent that these leads were more looking and not even qualified to buy yet. On XX/XX/2016 I decided that these were not the type of leads I wanted so I emailed the company that I was terminating and would not continue past XX/XX/2016.They sent me a email that I was responsible for the full month of XX/XX/2016 per contract. I told them that this was not how it was explained to me. They said it was in the contract that they had sent me. I did this all on line and I do not recall anything like this in the contract. I did tell them that there should be a dispute clause. I told them I would not pay for XX/XX/XXXX. They said they would send me to collections. On XX/XX/XXXX I received a letter from a collection company showing I owe XXXX for XX/XX/2016.


Date_received: 06/12/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: NJ
ZIP_code: 088XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
Wells Fargo made a mistake in my account and is incorrectly charging late fees and sending me wrong statements. Inspite of assurances provided by their representatives that since this is a system mistake a manual adjustment will be need to be made, nothing has been done for the last 2 months and harassing me with phone calls continues.


Date_received: 05/03/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: DriveTime
State: AR
ZIP_code: 723XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I went to drive time with my granddaughter to buy a car. I was told I had to " cosign '' for her. She did not make timely payments however has paid XXXX more than if she had. This has my credit looking very poorly. Drive time refuses to sent me itemized statements. And to top it off I was told I was n't a "" cosigner '' at all. Her names nowhere on the contract yet she signed the same paperwork I did."


Date_received: 05/03/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: NY
ZIP_code: 104XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A bank account was opened in my name over 10 years ago at Bank of America. Also, I had an XXXX and XXXX account. I 've become a victim of identity theft to the extreme ; whereas, I 'm being stalked by individuals I do n't even know for my card XXXX pin number. Why? My best assumption is that maybe they are duplicating cards, not sure. Identity theft in XXXX has become very stressful and a health matter as well. I am writing to protect and secure my funds in account which, at this point, I am afraid to put money into accounts when XXXX, XXXX, XXXX XXXX College faculty members, or others can go into my account when they have relatives or friends working in financial corporation to hinder hard working XXXX Americans from becoming financially stable.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Shellpoint Partners, LLC
Issue: NJ
Subissue: 076XX
Company_public_response: Consent provided
Company: Web
State: 04/29/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
( A4 ) Their hazard insurance premiums will be added to our mortgage even though we have sent them proof of our condo 's hazard insurance. If we do n't pay the premium our mortgage will go into default.


Date_received: 04/07/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Seterus, Inc.
State: FL
ZIP_code: 322XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Seterus Inc Loan No XXXX After review of another issue I discovered that {$16000.00} had been added to my account balance without my authorization. No explanation of the charges. I demand a full accounting of these dollars along with a detailed explanation.


Date_received: 05/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company_public_response: how can someone be "" late '' on an account that is open for 6 months
Complaint_ID: Yes
Consumer_narrative:
After numerous attempts to rectify this issue with both the company and credit report agencies, the final result is my credit report now has absolutely false information. This has just jeopardized my application to an apartment that I was attempting to move into by the end of the month. How can I be reported as 55 ninety day late payments, on an account that was open for approximately 6 months? As a Financial Advisor at a not for profit, I understand a phrase or XXXX being different but factual figures of what is " owed '' should be consistent. Further


Subproduct: which I can not
Issue: to the apartment management company who has just seen this on my credit report this week."
Consumer_narrative: Equifax
Company_public_response: NY
Company: 113XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/13/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: Yes
Complaint_ID: 1922531
Date_received:
It seems this organization is maliciously attempting to sabotage my ability to access credit which may have stemmed from a previous attempt to rectify this account via the validation method allowed by NY State 's Fair Credit Reporting Act. Their actions if I am not mistaken

Product:
 are a complete violation of this Act. I have attempted to work with all the companies involved to correct this situation but it only has gotten me in worst of a predicament. I am now in a position where I may not have a place to live since I have to now explain this situation


Date_received: 05/13/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
Company: Guaranteed Rate
State: SC
ZIP_code: 294XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The company did not follow state/federal guidelines regarding providing final numbers for closing. We did not receive the final numbers until 15 minutes before we closed, versus the legal guidelines to provide us those numbers 72hours before. Additionally the numbers that were provided to us 15 minutes before closing, were over {$3500.00} more than what we had discussed the previous day. We then had to bring that difference unexpectedly to the table for closing. The company also charged us {$810.00} for an extended rate lock guarantee. This was not discussed and closing was held up by their inadequate filing of our documents, not because of us.


Date_received: 04/30/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: CA
ZIP_code: 956XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16 I contacted the claims department at Bank of America and gave information on a {$60.00} charge from XXXX and requested that it be reversed. Quibids offered to sign me up for a membership but said nothing about the {$60.00} charge I later discovered on my debit card, which over-drafted my account by {$25.00} and incurred XXXX {$35.00} overdraft fees. After calling the claims department, someone erroneously transferred me to the fraud department and after over 45 minutes on hold, the gentleman there insisted on cancelling my card, and it took another 20 minutes to have the card reinstated. Once I finally got to speak to someone in claims, an associate named XXXX argued with me about XXXX having a no-refund policy and how Bank of America could not reverse the charge if this was the case. From the beginning I stated that the claim was about whether I had given XXXX permission to charge my debit card, not whether the company would refund me the {$60.00}. To make matters worse, Bank of America insists on treating the claim like a fraud case, which routinely take 10 business days to investigate. I spoke to a claims supervisor by the name of XXXX and explained that my account carries a negative balance because of the charge and in the meantime I must purchase food and medicine ; however, since they insist on treating my claim as fraudulent activity, they will only offer temporary credits which expire within 24hrs while they take 10 days to investigate my claim. Since I previously suffered fraudulent use of my card last year, I am familiar with such procedures, and I remember having to call the bank on each day of the investigation and request ( beg ) for the temporary credit that I knew would expire that evening at midnight. I did this for XXXX days. By XXXX this evening there will be XXXX additional overdraft fees for each pending transaction, even though only XXXX of the transactions caused the overdraft. There is nothing to investigate as many consumers ( according to Consumer Affairs and XXXX have had the same problem : XXXX and XXXX. XXXX charging me without my consent was bad enough, what Bank of America has done is worse.


Date_received: 05/06/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: NJ
ZIP_code: 073XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2015 I have contacted Trans Union about a XXXXPublic Record being reported on my consumer report, I provided letter ( s ) and a copy of my police report and fraud victim identity theft affidavit in support of my dispute. The name of the creditor that reported the Public Record to Trans Union is ( XXXX ). I further advised Trans Union that when i reached out to the court they advised me that the information I 'm providing is not correct or not the same on the court records. Therefore someone used my name to file for this fraudulent Bankruptcy account.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Receivables Management Partners, LLC
State: MD
ZIP_code: 207XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have made repeated attempts to inform Berks Credit & Collections that the account that it repeatedly reports as delinquent on my credit report is not my account. I have contacted the originator of the account and was unable to receive any form of documentation that the account is my reponsibility


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Debt Recovery Solutions, LLC
State: RI
ZIP_code: 029XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a notice from dbt solutions saying I owed on an old XXXX bill. I called them and they told me that I never returned XXXX equipment. I told them that my mother did bring package to XXXX and that she still had the proof. Thy told me to send the proof in. My mother faxed over the receipt and a letter telling them that she personally brought the package containing the equipment to XXXX for me and had gotten the receipt. she even wrote on the receipt when it was received by the company who handles the equipment for XXXX. It does not go back to XXXX but the company I guess who manufactures the equipment for XXXX. It was received on XX/XX/XXXX by a XXXX XXXX. In 2014 she had checked the tracking on line to make sure it was received. Good thing she kept the receipt. She also stated in the letter to dbt solutions that this should never even been put on my credit report in the first place. She told them I wanted it removed from the XXXX credit bureaus because it was XXXX error and this was cleared up 2 yrs. ago.. XXXX would not even talk to me about it because they said this was a old closed account and sold to dbt soultions. This was done over XXXX months ago. As of this date it is still showing up on my credit as XXXX balance but still showing as collection account. This had lowered my score by XXXX points and caused me to loose out on getting a mortgage at that time. I am still trying to get a mortgage to buy a house for my growing family as we are XXXX next month. I want this removed from my XXXX credit reports ASAP. They told me it would be but they never followed through. This has been a nightmare.


Date_received: 05/01/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Selene Finance
State: FL
ZIP_code: 327XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had made my third trial payment with XXXX XXXX XXXX Mortgage and called several times to find out if they would come up with a plan they said they would instead right after the 3rd trial payment I was sent a letter that my mortgage was assigned to Selene Finance and when I called Selene Finance although I had a trial payment plan they had no clue what was going on said I should continue with my trial payment plan And when ending of XXXX came so I can make my fourth payment the customer service at Selene Finance said my information wasnt in the system. I called several times but no help and they hardly pick up the phone with a live representative this company Selene Finance. When I finally threatened the agent about speaking to my lawyer, he called back with in 5 mins and stated he could take my payment when just 15 minutes before another customer service said my information wasnt on the computer system. Then after this person who is taking care of my case took my check number stated he couldnt give me a confirmation number that he didnt have which I thought was super strange all companies give a confirmation number it shows that a payment was made. After that I decided to check the reviews on Selene Finance and saw that they had XXXX complaints and not one good review I guess XXXX XXXX knew exactly how to get me and my home into more issues.


Subproduct: Comerica
Issue: MN
Subissue: 554XX
Company_public_response: Consent provided
Company: Web
State: 04/29/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
When I initially addressed the issue with Direct Express, I was told that I had incurred these charges over a period of months and never charged for them until XXXX XXXX and XXXX XXXX. I have been in contact with the XXXX XXXX as well as the XXXX Police Dept. who informed me that this was a glitch that the XXXX XXXX experienced with their credit card system and that their credit card machine had no way of holding onto previous charges and then taking them out on one particular day. This same glitch happened to multiple patrons, and they have all been reimbursed for the charges.


Date_received: 03/31/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I discovered there were billing issues with XXXX merchants. Customer service assured me the balance would receive a credit and my new invoice would reflect that change- This did n't happen and I was erroneous reported late. This needs to be reversed and corrected.


Date_received: 04/18/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan modification,collection,foreclosure
Company: was for this to last 1 1/2 years. Wells Fargo was given all information they asked for
ZIP_code: XXXX and in the VA 's notes from Wells Fargo
Submitted_via: it shows that "" the DIL has been approved ''
Consumer_narrative:
Currently undergoing a Deed In Lieu with Wells Fargo that started in XXXX, XXXX ( last mortgage payment made in XXXX ). Throughout this process I have made every attempt that I know how to make, in order to facilitate closure of this DIL. I am on my third or fourth Home Preservation specialist ( since XXXX XXXX ) and every time I attempt to contact the current specialist, that individual is not available, nor do they return my call. I have gone into the local Wells Fargo Home Mortgage branch in XXXX, CA. in the hopes of learning something and utilizing an internal Wells Fargo email system. The local mortgage specialist did help by sending an email to my specific home preservation specialist ( at the time ) and CC 'd her manager. No reply was ever received by either party and when I emailed the local representative back, no reply was ever received. I have sent, and re-sent duplicate documentation ( multiple times ) whenever Wells Fargo asks for it throughout this time period. On the rare occasion I am able to talk to another ( not mine ) home preservation specialist, the typical response is that my specialist is assisting another customer, and that they would leave them a message. When asked to look at my account, the individual I speak with responds with the typical phrase " it 's in loss mitigation

Company_public_response:
 we 're sending them an email right now and you 'll get a call back within XXXX48 hours. '' Call-backs never happen. This process has tanked my credit and I expected that. What I did not expect

State:
 within 8 hours of them asking. This lack of communication and action by Wells Fargo is damaging my abilities as a responsible consumer. I have multiple documents involved with this process and will upload them. I was contacted by the VA in XXXX

Date_sent_to_company:
 however I am currently receiving letters post-dated after that information was posted to the VA representative. In XXXX

Company_response:
 Wells Fargo procured homeowners insurance on this property due to my private insurance running out on XXXX XXXX

Timely_response:
 XXXX. I spoke with Wells Fargo Insurance division and relayed my concerns about Wells Fargo purchasing additional insurance on this residence

Consumer_disputed:
 as I would no make payments for additional insurance on the property if I ca n't afford the mortgage

Complaint_ID:
 and that I did n't want to become delinquent to whatever 3rd party Insurance company Wells Fargo contracted with. Wells Fargo went ahead and purchased the insurance and I have been assured that I will not show as delinquent to this 3rd part insurance provider


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: IA
Subissue: 502XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/25/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have been suffering with these problems for over 10 years, all due to the Mortgage problems with XXXX, XXXX XXXX, XXXX, XXXX and now XXXX.


Date_received: 04/09/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Expert Global Solutions, Inc.
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Repeated and unwanted calls. False debt. Calls from XXXX numbers ( XXXX ) XXXX & ( XXXX ) XXXX. They are based in XXXX XXXX listed under EGS Group.


Date_received: 2. Its Pay Status should be " Closed '' and not Current 3. The Payment received field says XXXX
Product: when this is inaccurate 4. The Pay History is incomplete - please Validate this account
Issue: and update the pay history for this account"
Subissue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative: TransUnion Intermediate Holdings, Inc.
Company_public_response: NJ
Company: 077XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/09/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1917001
Subproduct:
 and update the pay history for this account XXXX. The Balance History is incomplete - please Validate this account


Date_received: 03/30/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NJ
ZIP_code: 076XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have had trouble applying for credit in the past so I have recently taken multiple steps to amend any and all outstanding issues. I found that I was able to obtain an error-free report, indicating my non-existent credit history from both XXXX and XXXX. Experian, on the other hand, has been very problematic with sending me an accurate report. I began running into trouble when I went to check my credit score and saw that there were inconsistencies between the infomration I provided and what was on their report and when making an effort to apply for credit through my bank, so I sent a request to Experian for a full report. After processing my request, I received a credit report from Experian which states entirely false information about my credit history ; there are loans and bank accounts from multiple states shown on the report which do not reflect any accounts that I currently have or locations where I have ever resided. Additionally, all telephone numbers, multiple addresses/former or currently employers and the provided social security number variation depicted are not correct. I have disputed the claim and made multiple calls to Experian in an effort to remediate these issues to no avail. In the process of disputing the report, I was sent the same form multiple times asking to provide forms of identification/bank statements to prove my identity and after responding to Experian twice with the required information, I still received the same form. I have the report attached for reference. Please let me know what can be done to rectify these issues.


Date_received: 04/30/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: Old National Bank
State: IN
ZIP_code: 462XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We had an ACH come in from XXXX into our Checking Account at Old National Bank for {$10000.00}. ACH funds are available immediately. Old National Bank has put a hold on these funds and refuses to release the wire proceeds.


Date_received: 04/29/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
State: Company believes complaint is the result of an isolated error
ZIP_code: Ditech Financial LLC
Submitted_via: MA
Date_sent_to_company: 018XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/29/2016
Consumer_narrative:
The Ditech went through a system upgrade on XXXX. I called on XXXX/XXXX/16 to ask why duplicate payments had been made as it was showing payments on XXXX/XXXX/16 & XXXX/XXXX/16. I was transferred to the tax department ( XXXX ) who told me they would investigate and get back to me within a week. No one ever did so I called back a week later and they informed me that the system upgrade ended up causing what seemed to be duplicate payments to the City Tax due XXXX/XXXX/16 but one of these payments were " ghost '' payments and they were n't disbursed or taken out of my escrow account on XXXX/XXXX/16

Company_public_response:
 but the actually only payment that was disbursed by them was on XXXX/XXXX/16 which was the correct one for the XXXX tax bill. I told them I was refinancing and needed the Payoff amount to be accurate

Company:
 they confirmed it was. On XXXX/XXXX/16 it again shows ANOTHER payment for the tax bill due on XXXX. I called on XXXX/XXXX/16 to ask why another duplicate payment was made. They said they made a mistake when the did the first investigation and found out I was refinancing with another company and they wanted to hurry up and make the payment and it caused a duplicate payment and disbursement. I was told they would escalate the problem and it would be refunded back to my escrow account within 3 businesses days. I called after 2 and was told to call back the next day. I called back after 3 days on XXXX and was told it 's still being investigated and to call back tomorrow. They are showing a negative balance on an escrow account that should have a surplus and the did this knowing I was refinancing and this is causing many issues on the payoff amount."


Date_received: 05/02/2016
Product: Bank account or service
Subproduct: Savings account
Issue: Deposits and withdrawals
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a bank account with Wells Fargo which are charging me fees so I want to close it and transfer the money to XXXX XXXX XXXX. When I originally tried to transfer the money disappeared, I contacted them and they said a bank check was sent ( which I did n't ask for ) and that they have to request it back which is going to take 10 business days to have the money in my account. First of all why are they doing a bank check when I am sending an electronic transfer? Anyway after some time the money appeared. I tried to transfer again, then I could n't because on-line banking would n't allow a transfer then I kept at it and find away to add XXXX as a bill payee. So, I tried to send a transfer then it said I did n't have enough money, then I figured out they were taking {$3.00} to transfer to I made it less. Almost at the stage of transferring and it says I need an access code to my mobile. Well I do n't have a XXXX XXXX anymore because I am in XXXX XXXX now. I tried to change my personal details and it wont let you change the number to XXXX. I then had to contact International toll free number, then it says you ca n't ring on a mobile! So I have to find a land line to use. I find one then the guy says to me I ca n't transfer it, that he ca n't give me an access code because I do n't have any security questions on file! I just ca n't believe the hassle with this, how hard is it to get my money out of this bank and put it in another. I have many bank accounts around the world and this is the only bank that at every step is stopping me taking my own money out. Also, they keep charging me fees. It 's two months now since I tried to take the original amount out. So, the operator says I may have to do a bill payment, when I go to set it up its says I ca n't. At this stage I 'm just so angry and having sent numerous emails to Wells Fargo with no proper solution I go in and change the mobile number to my friends. Well when I go back in to do the transfer, they have now stopped this service. I am just so sick of this bank, all I want to do is take my money out and put it in to XXXX XXXX XXXX. Surely they deal with people all around the world, you ca n't tell me they ca n't transfer money from one bank to another when someone is XXXX!!! I 've never had any problems with my other banks. I want to make a complaint because from what I can see, they are holding on to my money and stopping me taking it out. I just want my money and be done with this shocking bank.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Barclays PLC
Issue: CA
Subissue: 928XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 06/26/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
At this point, I believe I have provided all documents to justify that this is a fraudulent account and that I am the identity theft victim. Please help me to clear this ongoing issue with Barclays Bank.


Date_received: 04/29/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: JPMorgan Chase & Co.
State: FL
ZIP_code: 331XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Chase Bank made the decision to end the banking relationship with me and closed all the bank accounts I had with them, including one that I was only listed on with a Power or Attorney. While I realize they can close the account without reason and without notice, NOWHERE in the agreement, which I reviewed several times, did it say they could or would freeze and restrict the account for an indeterminate amount of time without notice. I have contacted them to point out that they are breaching the agreement, and they hung up on me. The bottom line is that Chase is breaching the very banking agreement they have by failing to notify me in advance that they would be holding the funds after their decision to close the account. Once they decided to terminate the banking relationship, they were obligated to release my funds, all of which were deposited by verifiable means, but after 3 weeks they still are holding the funds in that account hostage.


Date_received: 04/12/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: PNC Bank N.A.
State: CA
ZIP_code: 952XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
PNC repeatedly requested duplicate information which I mailed or faxed multiple times. In addition, they had access to 3 years of tax returns directly from the IRS. They still declined my modification request


Subproduct: Dynamic Recovery Solutions, LLC
Issue: FL
Subissue: 333XX
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
My understanding is they should not be handing out even the last XXXX digits of my SSN to anyone, ever. I suspect they are n't a valid debt collector.


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Debt Recovery Solutions, LLC
State: AZ
ZIP_code: 853XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a bill from Debt Recovery Solutions LLC for {$370.00}. The Original Creditor is XXXX XXXX Hospital. I 've never been a patient with them, however I called the hospital to see if there was any record of me and there was nothing. I called the Debt Collection company and told them I would not pay because their information was invalid, and that I researched the issue with the original creditor. The woman stated that the Hospital would no longer have my info, which is not accurate. There would have to be a date of service, and proof that I was a patient there however the hospital was unable to find anything with my name or DOB. The hospital billing dept have also never heard of this company. I feel this bill was fraudulent and they are trying to steal money from people.


Date_received: 05/05/2016
Product: Credit card
Issue: Customer service / Customer relations
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: NY
ZIP_code: 100XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
My citi credit card information was stolen in XXXX XXXX, and I reported the fraud case in XX/XX/XXXX. I requested a new card for replacement, but I did not receive the card until XXXX XXXX. During these four months, I had called the credit card center several times ( like 5 times at least ) to deal with this problem, and they neither process my fraud case nor give me a new card. Because of their unprofessional ability, I was charged for 3-month late fees and interest charges. Furthermore, the customer service I just called was so rude and impatient and even interrupted my talking several times. She said that my account was closed by bank, while I went to the bank and the bank said they did not have any access to credit card nor close it. The credit card center even could not reopen my account. I do not know what they can do other than collect money from me. I really felt that I was mistreated by the customer service representative because I was not an American citizen. I just cleared my balance on my credit card account and do not want to deal with citi credit card center ever again.


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: CashCall, Inc.
State: CA
ZIP_code: 932XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The law firm that Cash Call hired to collect their debt is calling me on my cell, my work number. They are leaving VERY DETAILED information on my parents home phone, my sisters phone and my friends phone stating that this is XXXX XXXX from XXXX and this message is for ( My Name ). XXXX ( My Name ), your agreed upon payment of {$170.00} failed to clear your bank and came back as insufficient funds. If we do not hear back from you within 24 hours we will be contacting XXXX XXXX for fraud charges for them to take their action on a state and federal level. Please return my call at XXXX ext XXXX And a XXXX also left this same message with a call back number of XXXX ext XXXX I do not live with these relatives or friends. They should not be leaving these types of messages.


Date_received: 04/21/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Windham Professionals
State: KS
ZIP_code: 664XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/21/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I 'm XXXX at a state university. I have been contacted in my office by Windham Professionals, presumably regarding the student loans I am behind on. They were very rude first to my office mate then to me. They would first have had to contact the XXXX department 's main office as I do n't give out my office number. I am only in my office a few hours during the week which means they would have to have spoken to someone to determine when I am in. Moreover, I share my office with XXXX other people so this is humiliating and a form of harassment for them as well. This is humiliating and completely inappropriate contact and I consider this to be harassment. I want it to stop immediately or I will consider legal action.


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: WA
ZIP_code: 986XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Found a doctor bill on my credit report that that was sent to a collection center that should not be there, it should of been sent to my insurance company


Date_received: 05/12/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company: Equifax
State: NC
ZIP_code: 278XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
unable to monitor my credit report. tried to sign up with complete premier product ca n't sign up. error in there system will not fix it. tried numerous times. but since I have been a victim of identity theft they do n't care. and wo n't fix the error. some one can access my credit but I ca n't monitor it.


Date_received: 06/13/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: USAA Savings
State: NC
ZIP_code: 273XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Since XXXX 2015, USAA have been returning items specifically to XXXX and charging my account an NSF in the amount of {$29.00}. It was my position that these items were being fraudulently returned to collect NSF fees since I did in fact have the funds available to cover the transactions if USAA did n't charge an NSF first. However, I was not receiving overdraft notices to verify my balance and the way the ledger reads online I had enough money available when the transactions were posted to my account if the USAA processing department actually posted the transaction before charging an NSF fee. Since XXXX 2015 I had not received any NSF notices to support my position. However, this past week I received my very first NSF notice and it confirmed my position for the last year and half. I did have enough money to cover the XXXX transaction in the amount of {$38.00} because I had {$51.00} in my account according to the notice that was sent to my email. Regardless of that fact, USAA returned the transaction to XXXX so not only did I have to pay {$29.00} NSF fee for an item that should have posted and cleared my account but also I had to pay yet again {$25.00} to XXXX. Over this last year I have had to pay between {$1000.00} and {$1500.00} in fees to USAA and XXXX for the same type of issue. It is my hope that your office can assist me and other consumers who are being taxed by USAA and XXXX for fraudulent fees.


Date_received: 06/25/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: NM
ZIP_code: 878XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We changed banks. We requested our auto payments be taken from our new account. This did not happen. We requested this on the phone and were told it would be taken care of 3 times. I then made the request again via costomer servicee portol so it was in writing. DITECH continued to refuse. As time progressed and I was told it was taken care of, payments were declined from the old bank. I was called, I set up new auto pay again beong told it was finally done. As you will see from our record we have spent HOURS over multiple days trying to get this resolved We are getting harassing phone calls and letters. Each time we go through it we are told OK now we see it will be taken care of -- -again it hasnt been We have over paid, paid for faxing and told we are refusing to pay.We are tired of these letters and calls and have told them to never call again- unless they call our bank XXXX XXXX They refuse to listen.


Date_received: 04/28/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: Capital One
State: KY
ZIP_code: 410XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
this is going to Capital One auto finance - we have a loan with them for a vehicle first thing that happened we made a payment on line which was suppose to be free and was charged a XXXX fee which they would not refund -second is that will not take either one of oour debit cards for a payment - so we either mail it or go thru XXXX XXXX - third even though it states you can call them XXXX to XXXX at XXXX we can not get them to answer the phone - fourth the payments fell behind and about two weeks ago they came for the vehicle - my son called that same day and they gave him until XX/XX/XXXX to make a payment to catch up and told him they would add the holding fee to the end of the loan - we made the payment thru XXXX XXXX XXXX XXXX and when he called the next day to get the vehicle back they sent it to auction - told him he would have to come up with the XXXX holding fee now - they are saying they did not tell him that info when he talked to a rep two weeks ago and found out then what he needed to pay - it has been one thing after another with them -the last XXXX people he had a hard time under standing what they were saying -


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Patient Accounting Service Center
State: CA
ZIP_code: 933XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
ive been divorced and separated from my ex wife XXXX, since 2007, we were not together and i did not sign or know anything about this debt, it 's been in my credit report for almost a year, ive filed a direct dispute and they did not and could not give me any information on this debt, since the persons name is XXXX, not my name XXXX, i gave them her current business address ( which she is owner of ) as well as her parents address, this is not my debt i 've asked for it to be removed, and it still has n't, i have not received anything in writing or anything stating any information on this, i contacted the hospital, they could n't give me any information because my name was not on this, i need this off my credit because its giving me a bad score and history, i have disputed it with the hospital, with the agency and with CFPB and have not heard anything on this matter, please delete from my credit


Date_received: 03/31/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Before XXXX purchased this student loan from XXXX i was under an approved Deferment and i am seeing that I have been reported 60 days late XX/XX/XXXX and XX/XX/XXXX


Date_received: 05/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CA
ZIP_code: 946XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We applied in to refinance our house because of the high interest rate of 6.50, at that time the rate had dropped as low as XXXX. Citibank acquired our loan in 2006 from XXXX. Citibank was fully aware that they did not service manufactured homes when they purchased our loan. Our house has a different status that is to be considered the same as a standard house. Documentation was presented from the State Housing Department, Citibank refused to recognize the documents. Citibank refused to allow a refinance or later assistance due to hardship. A representative even stated,. that they should not have purchased this account because they do not service those kind of accounts but because they have it we are basically stuck with paying the higher rate. I feel Citibank refuses to recognize or housing status to ensure we are not allowed to lower the interest rate to force us to continue to pay the {$2800.00} mortgage payments., As a homeowner we have the right refinance if we quantify by our pass payments and credit score, both were OK according to Citibank when asked. We contacted our XXXX and the state housing department later we were referred to cfph for assistance.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: WV
Subissue: 254XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 06/24/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Latest credit file does not support these horrifying key factors. Also there is a huge disparity in credit scores. XXXX obtained a score of XXXX from TRANSUNION. I obtained a score of XXXX. TRANSUNION removed hard inquiries down to XXXX.


Date_received: 04/28/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: TX
ZIP_code: 775XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
TO WHOM THIS MAY CONCERN ; Filing a complaint against bank of America ok I open a account with them and I had someone pay me back in a money order and I deposit it in my account like a regular person would ok come to fine out with a letter in mail they sent me that the money order was fake I did n't know that so they put on my credit history fraud for that situation that happened and know I cant open no kind of bank of account and I believe that was n't my fault if you accepting a payment from someone I have XXXX kids I have too take care of and save for that 's why I need a account so I can save for my family I wsh they please get that off my credit history Because im not that kind of person to do any thing fraud never have please ; contact me XXXX for any question


Date_received: 04/07/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Nationstar Mortgage
State: AZ
ZIP_code: 852XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Nationstar reported for a year on my credit that I was late but I was never late. I continually called and called asking them to take off the late payment. It showed i was late in XXXX of 2015 but was not. Every time I would call they said they did, but would never provide proof that they did then they would tell me they would take care of it. It took me putting in a dispute to the credit agencies for them finally send me the notification. It took them a year for them to fix it and now my credit is screwed up because of this. I am now paying higher interest rates on XXXX loans I took out because of this.


Subproduct: Ocwen
Issue: OH
Subissue: 456XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
OCWEN CHARGED ME INTEREST FOR BOTH XXXX AND XXXX 2016. OCWEN IS A PREDATORY MORTGAGE SERVICING COMPANY RUN BY XXXX.


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: I.C. System, Inc.
State: NJ
ZIP_code: 080XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was alerted to a medical collection on my credit report under the name of XXXX XXXX on XXXX XXXX while attempting to secure a mortgage. The account number listed is XXXX. On the afternoon of XXXX XXXX, I contacted I.C Systems via phone ( at XXXX ). When I got someone on the phone ( a woman who refused to repeat her name after it was given once, quickly, or collector identification ) I asked for information for who the original debt was issued by ; my credit report references a medical provider in Pennsylvania, but the name of the doctor / practice is not showing on the reports. I advised the woman I had an account number - she stated that they were unable to provide any information to me on the original debt at that time. She did not take down the account number, but read back my phone number to me from caller ID and advised my number was not appearing in their system. I again asked for validation of debt and I was told it was n't available. To date, I have not received any written communication from I.C. Systems or any medical services provider concerning a debt in the amount of {$89.00}.


Date_received: 04/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: VA
ZIP_code: 230XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I bought a house, but had not sold my old house yet, so I had to get Private Mortgage Insurance because I would n't have enough money for the appropriate Loan to Value percent. When I told my broker I did n't want to get PMI, she said not to worry that as soon as I sell my old house, I can pay down the mortgage, and the PMI would be dropped. So after my house sold a few months later, I paid down my mortgage to the appropriate loan to value. In the mean time my loan had been sold to Nation Star mortgage. So I called and asked what I need to do to have the PMI dropped. They told me I had to pay it down more, so I paid it down to about XXXX % LTV, then I submitted the form they asked me to submit. After a few months I called to ask about it, and they said I needed to re submit the form, so I did. I spoke with probably XXXX different people ( some of them very rude ... like I was asking for something unreasonable ), the original broker I used for my mortgage spoke to several people, and I can not get a response about when or whether the PMI will be removed, or if they need more information, or anything. Overall they have been very unresponsive and uncooperative. My initiatial call to them was in XXXX 2016, and I still do not have a resolution.


Date_received: 04/08/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: ID Analytics, Inc.
State: IL
ZIP_code: 608XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
It is a credit reporting agency I never heared of ( Sage ) XXXX.XXXX Sage reporting to companies, but when calling them up to get a copy of the report, no one answers the phone, instead I got a recording message.


Date_received: 05/04/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NY
ZIP_code: 130XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
We received a credit report from Experion and it showed a judgement against us for {$190.00} from XXXX 2015. The judgement is from " XXXX XXXX ''. We have no idea what this is and feel it has been erroneously added to our credit report. Please investigate."


Date_received: 04/02/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: NJ
ZIP_code: 070XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I purchased a home and used Wells Fargo as my mortgage company XX/XX/2013. Since then my husband and I have made about XXXX-XXXX in improvements, turning our XXXX into a XXXX and redoing the bathroom downstairs and upgrading our backyard with pavers etc. My taxes obviously went up and I discovered my monthly payments went up {$400.00} per month because of escrow. I complained that I would like to get out of escrow and pay my own taxes and also have an appraisal done to get rid of the PMI as well. I needed to be at XXXX % LTV ratio for both. WF insisted I use their appraiser and he came in and appraised the house for only XXXX more than it was 3 years ago in a worse market and in much worse shape than it is now. Keep in mind I made significant improvements to the house. I am now at XXXX % LTV ratio with consistent on time payments and payments that are more than the mortgage bill every month and they will still NOT let me out of escrow or PMI. I contested the appraisal and they came back and used the same appraiser to review my appraisal and shot down all of my comps. They originally used comps from 2 years earlier because they claimed they could not find up to date comps, but I was able to! I am an agent and I know how to provide comps. I also have several friends in the real estate industry who claim my house was under-appraised by probably about XXXX-XXXX %. They are asking me to pay them toward the principal, but I will not because I know my house is worth a lot more than they claim. I am being bullied for .09 %! I would love to refinance but that will cost even more. I am tired of big banks bullying the little people trying to make a way for themselves in the world. Stay away from Wells Fargo! I constantly hear complaints about them from several people. They are rip off artists and have given me nothing but a hard time.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: VA
ZIP_code: 223XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We have a security freeze on our credit files with all three credit agencies to prevent identity theft. When we want to apply for credit we lift the freeze temporarily for 30 days. Transunion has created XXXX credit files for both of us because they are too lazy to actually lift the freeze when they are requested to do it. The main file with our full history has a good score. The duplicate file has almost no credit history and therefore produces a low score. Instead of actually lifting the freeze as requested and sending out the full file, they send the duplicate that has almost no information. It produces a low score and has resulted in us being denied a refinance on our home mortgage over the last two years with XXXX banks. This has cost us over {$1000.00} in application fees and thousands of dollars in higher interest payments. Credit agencies have our social security number and should not be allowed to maintain more than one credit file per a single social security number. In other words they should not be allowed to create a new credit file just because accessing the correct full file would be a little extra effort due to the need to lift a credit freeze. It took me two years of countless inquiries to learn why my credit score would be reported so much lower than normal range when the banks requested it during my home loan application process.


Date_received: 04/30/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Northstar Location Services, LLC
State: GA
ZIP_code: 301XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
This is a work phone contact and Northstar Location Services , LLC has repeatedly called me and various people with whom I work about collecting on a debt. They have been informed that this is a work phone and that I can not have these calls yet they continue to call multiple times per day during work hours.


Date_received: 04/26/2016
Product: Credit card
Issue: Other
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: CA
ZIP_code: 923XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XX/XX/XXXX / XX/XX/XXXX, I had XXXX Bank of America ( B of A ) credit cards. They were used in a Fraud. I filed a police report and I notified B of A, But B of A, did not remove the cards from my Credit History. So I complained to their fraud office, and to the local bank branch manager many times. I also talked to their Area Manager, in XXXX Ca./ XXXX XXXX XXXX , and he was trying to help me, but could not. They finally removed the bad information for a short time in XXXX XXXX, but put it back on again in XXXX XXXX. I have called and complained to many employees at many offices of B of A ; I have lost the house I was buying last month, because I could not get approved by the lenders. B of A / 1 : Charged off the debts in XX/XX/XXXX, / 2 : Cancelled the debts in XX/XX/XXXX, and sent me and the IRS a XXXX in XX/XX/XXXX, on which I paid Taxes. But they still would not remove the bad credit from my file. Recently, they even show the XXXX debts as a collectable, and now in the most recent credit report, they are showing that I making payments, which of course is not true. ( Which adds to my overall monthly debt ) I was told by the B of A employees, that according to IRS rules, ; B of A, can not collect after they send the IRS a XXXX. Please note that information is too old, and that it should be also removed under the Statute of Limitations Act, which in California is two years only not 10 years. Please help me with this situation that is keeping me totally sleepless and for which my family is suffering greatly. Thank You.


Date_received: 03/30/2016
Product: Credit card
Issue: Advertising and marketing
Company: Heartland Payment Systems
State: RI
ZIP_code: 028XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Heartland Payment Sytems refuses to create a license so that I can process on there system with other credit card providers. They installed a system for over {$10000.00} that does not work the way it is intended or that we were led to believe. They keep telling me they are working on the licenses but it never get done. This in an effort to make us use them for credit car processing. XXXX XXXX, XXXX XXXX, and XXXX XXXX are all are of this problem and have either chosen to do nothing or just tell me for over XXXX months that it will be taken care of soon.


Date_received: 04/29/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: anger
Company: total inaction
ZIP_code: and threatening letters in the mail. They are wasting my time
Submitted_via: my health
Date_sent_to_company: my good name
Company_response: destroying my credit
Timely_response: charging unjustified interest
Consumer_disputed: late fees
Consumer_narrative:
I am a Ditech mortgage holder. I paid my bill on XXXX XXXX as normal via ach debit of {$810.00}. With no notification to its customers Ditech changed the account numbers and my payment went to the old account number not the new one. Ditech " customer service '' is in agreement and they see the payment in the system. I have been begging them for weeks to please simply apply the payment they received from me to the correct account on the day they received it. I have been met with lies

State:
 and pure contempt for such a low level request. Their computer system and billing shows that I 've paid nothing since XXXX XXXX. I am receiving calls from their collection agents

Complaint_ID:
 and wrecking all that i have worked so hard for decades. Their unqualified and nasty "" managers '' and misinformed and unhelpful "" customer service '' agents have the nerve to say that their verbal "" assurance '' that they have the payment logged in on XX/XX/XXXX and are not charging me anything extra and that everything is just fine should be enough for me to be satisfied is SHOCKING!! The verbal assurance of such apathetic employees that could not care less about me means nothing


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: if I had gotten a collection letter on this
Company: I would 've called immediately
State: this is NOT MY DEBT
ZIP_code: it was fraud. '' He then asked my PO BOX and I told him
Date_sent_to_company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company_response: Citibank
Timely_response: MA
Consumer_disputed: 025XX
Consumer_narrative:
In XXXX, XXXX I received an email thanking me for a recent purchase from my Best Buy credit card. I immediately contacted Best Buy and filed a fraud complaint. I live in MA and the purchase was made in XXXX for a camera ... .clearly not mine. In XXXX, XXXX Best Buy deemed it fraud and canceled my Best Buy credit card and issued me a new one. I received the letter from them as well stating the investigation was closed and the charges were removed etc. I did n't hear anything again, until last week. A man named XXXX called me from a cell number after XXXX eastern time. I was shocked as he informed me he was collecting a debt on behalf of Best Buy. I proceeded to explain to this man what happened and he said basically, it does n't matter what your telling me, unless you have a POLICE REPORT, I will continue to call you until I collect this debt etc. He was RUDE, RUDE, RUDE, my blood was boiling! I told him I had a letter from them, he said the letter means nothing, get a police report. He stated they had been sending collection bills to me to which I said, " Sir

Submitted_via:
 bad mistake ... guess what I got yesterday? A collection letter. I have spent the last week and today on the phone with Citi-bank who owns the Best Buy credit card. They have no idea how or why any collections would or could happen as this was NEVER sent to any collection company. They sent the letter stating I was not responsible and advised me to contact you. I am afraid to send any information to this company collection ... ... I am afraid who they are and how they got ANY information and the man was harrassing threatening and rude. I should n't be treated like that."


Date_received: 04/30/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: but deposited it to a suspense account ( whatever that is )
Submitted_via: Company believes it acted appropriately as authorized by contract or law
Date_sent_to_company: Ditech Financial LLC
Company_response: VA
Timely_response: 201XX
Consumer_disputed: Older American
Complaint_ID: Consent provided
Consumer_narrative:
DiTech, a " XXXX XXXX '' became the successor in interest to Greentree ( which had purchased our mortgage loan from XXXX XXXX I believe it was ). Around XXXX XXXX we received our annual escrow statement showing a large positive escrow balance accompanied by a "" Shortage Adjustment Notification '' proposing a {$64.00} per month increase in the escrow portion of our monthly payment

Company_public_response:
 accompanied by a footnote that the information provided did not require any action on our part. I took no action because I could not determine how they calculated a shortage. The XX/XX/XXXX Payment went with the standard payment - the pre-shortage notification payment and DiTech lowered the boom. It did not credit me with the XX/XX/XXXX payment at all

State:
 imposed a late fee of {$120.00} because the XX/XX/XXXX payment "" had not been made '' ( on the escrow shortfall of {$62.00} )

ZIP_code:
 claimed we were a month in arrears on our mortgage and will undoubtedly up the late fees and charges when I refuse to pay the late fee."


Date_received: 04/29/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: MI
ZIP_code: 483XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Ditech Financial is trying to charge me fees without any merit. They have, without informing me, changed my account number and caused my bank to send my electronic payment to the wrong ( original ) account number and now are charging me a late fee. There are also payments not showing up in my account with Ditech that my bank says Ditech accepted. I have attached the last XXXX correspondences from Ditech ( dated XX/XX/2016 and XX/XX/2016 ) and you can see the account number change..again, without my knowledge and causing me to incur a late fee even though payment was made on time, as it always is.


Date_received: Portfolio Recovery Associates is also reporting to the XXXX
Subissue: Portfolio Recovery Associates, Inc.
Consumer_narrative: KY
Company_public_response: 422XX
Company: Servicemember
State: Consent provided
ZIP_code: Web
Submitted_via: 05/01/2016
Date_sent_to_company: Closed with non-monetary relief
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Product:
 XXXX XXXX and XXXX credit bureaus as "" Late '' and also protruding themselves as a "" Factoring Account Company '' rather than a Collection Agency in their true name. "" Factoring Companies '' are companies that buy corporate accounts receivables that are not past due. I XXXX XXXX is not a business and did not factor any receivables as I have no receivables and no relationship with this business. Portfolio Recovery Associates are calling themselves a factoring company and not a Collection Agency

Subproduct:
 giving themselves automatic rights to report a collection as a revolving credit card account thus allowing them to report late payments and report the account as open rather that closed."


Date_received: 03/29/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Viking Client Services, Inc.
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX calls and sends debt collection letters for something that was removed from my credit history due to dispute. It is not my debt that they are harassing me about.


Subproduct: Caliber Home Loans, Inc
Issue: NC
Subissue: 275XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I argued with Caliber to resend them but they refused and have scheduled a foreclosure date for XXXX/XXXX/XXXX. Caliber had advised me that the only option was to reapply, I received the documents on XXXX/XXXX/XXXX to reapply which I filled out and sent it back on XXXX/XXXX/XXXX, I have been calling daily but they say they have not received it. My divorce was finalized on XXXX and I gained full custody of my son it 's hard already not having his mother in the home but to lose our home too it 's not fair for him. Please help me in saving my piece of the American dream, my home.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Earm LLC
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
Received a call from XXXX stating they are sending legal papers to my home over a debt, they called my work also. I called them back and they have a lot of information of mine, they told me I received a payday loan from MAC Development. I have never heard of this company and have never received anything from them. I told them to deliver the legal papers. The debt is {$390.00}. This is not mine. I received multiple calls and again they called my work. How can they try to get me to pay money for something I do not owe. PLEASE HELP!


Date_received: 04/27/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: JPMorgan Chase & Co.
State: NY
ZIP_code: 115XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX, 2016 Re : Property address XXXX XXXX XXXX XXXX NY. XXXX I would like to file a complaint against CHASE servicer. I have been trying to get help from CHASE SERVICER for my underwater loan. I have complied with all requested documents. Servicer CHASE has issued XXXX modifications ( see attachments ) where they have failed to honored the guidelines of the HAMP-PRA. According to the HAMP-PRA guidelines, SERVICERS MUST evaluate borrowers for mortgage reduction for any mortgage loan that is being considered for HAMP with a current mark-to market LTV ratio greater XXXX %. The property fair market value is {$540000.00} ( see attachment ) CHASE servicer did not act in good faith to reduce the principal amount {$840000.00} Also CHASE SERVICER failed to calculate mortgage payments into a 30 to 40 year period as per the HAMP guidelines. I would have a balloon payment in 20 years from now at the maturity date of my loan of {$530000.00}. I can not afford that payment.


Date_received: 05/05/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Deposits and withdrawals
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: PA
ZIP_code: 171XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Bank of America placed limitations on my account. Refused to settle terms under the Mines and Minerals Act as the XXXX intermediary for XXXX. I have sent a International wire transfer to ; XXXX : XXXX, Bank of America N.A.,XXXX XXXX, XXXX XXXX NY XXXX. Account number XXXX ; XXXX number:XXXX ; XXXX : XXXX, XXXX.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: NM
Subissue: 875XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX gave me a XXXX Credit Score, XXXX/XXXX/2016. With this very high credit score I believe that I have been discriminated because Wells Fargo has a history of denying loans to XXXX.


Date_received: 05/11/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: TN
ZIP_code: 379XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My loan was suppose to stay in deferment until I graduated from my current program and then payments were suppose to start six months after graduation. I completed my program XX/XX/2016. on XXXX XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Wells Fargo stating that my XXXX loan is now in default and is due in full immediately. When I called them they told me that there was no way they could reverse anything and they would like me to allow them access to my checking account so that they can charge me {$310.00} a month on automatic withdraws. If I had known that the loan payments were required I could have made arrangements to pay them without the account going into default and now my options are limited. As a new graduate I am still trying to make my way and earn funds necessary to pay off the loans I have.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: VA
ZIP_code: 236XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you"


Date_received: 05/13/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Company: Equifax
State: TX
ZIP_code: 773XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Trying to purchase a home, XXXX and XXXX creedit score in in the XXXX range. However, Equifax rating is in the XXXX range. I tried to reach Equifax and felt uncomfortable providing my Social Security over the phone. I reviewed the CFPB article on building and keeping good credit and I do not see anything in Equifax cedit report that would explain the low score. This is my basic complaint. Will you help please.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Encore Capital Group
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked Midland to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 03/29/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Taking out the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: GA
ZIP_code: 300XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/XXXX my husband and I submitted a loan application to Bank of America for a car. I really did not expect to get the loan since we had a bankruptcy in XXXX, but I thought it worth a try since we have been customers with them for the last 34 years. On XXXX/XXXX/XXXX we received an email from them stating that our loan had been approved. I was ecstatic. I called BOA to find out what our next step was and was told I would receive and approval letter to take to the dealership, fill out the necessary paperwork and be on my way. We did this and spent the whole day at the dealership but left with a small car. How horrified I was to about 4-5 days later I received an email that said we were denied. How could this be! I contacted the dealership and they told us BOA would not approve the loan for the 4.79 % rate, and our paperwork had been lost, so we had to resign papers for the 6.0 % interest rate, which took our note up by a small amount. WE went in and resigned the papers and again left the dealership. But more than a week later we again began to get derogatory emails from BOA saying we were denied. We again spoke with the dealership and they told us again that they had been informed by BOA that our paperwork was again lost. So the dealership had to go through trying to find us another lender, but when someone checks your credit report it causes your score to drop, therefore, today with the dealership trying to find us another lender our credit score has taken XXXX-XXXX inquiries taking it even further down. I truly feel that BOA has done some unfair practices with this deal, and now we are again at square one with no solution in sight. As I stated before we have been with Bank of America 34 years, without any conflicts, except the bankruptcy, so I only did what I had been approved to do when we went to the dealership, and BOA Has been totally dishonest with us as well as the dealership. How can they lose information twice in a row. I am attaching with this complaint copies of most of the correspondence we received from BOA, they even went as far as asking us to send in documentation after the second application was filed only to turn around less than an hour later and send out more denial letters, which they always sent it twos.


Date_received: 05/03/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: VA
ZIP_code: 201XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have disputed with Sear credit card home improvements, the disputed amount was XXXX , which was related about the kitchen renovation not done correctly, used faulty faucet appliance, water leakage. After submitting the complaint, they continue to charge with the promotion interest. I have called several times that resulted no solution. I will like to file complaint against Sears Credit card in regard this issue.


Date_received: 05/02/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: NV
ZIP_code: 891XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had an issue with US Bank adding my wife name to my checking and savings accounts with either of us requesting this. We XXXX prefer to keep our financial lives separate. We made numerous attempts to have this correct, over a period of about 1 year, but with no success. Eventually I went to the XXXX as a last resort, which led to US Bancorp admitting that they made a mistake, and correcting it. As I had been promised resolution on a previous occasion, and it had n't materialized, I told US Bancorp that I wanted to wait until I received my next statement to confirm that the address error had been corrected. However, US Bancorp were in a great hurry to have the case confirmed as resolved with the XXXX. So they sent both the the XXXX and myself electronic and paper copies of my most recent bank statements, which of course included a great deal of personal information including balances, transactions, credit card information, health insurance provider, etc. At no time did I give US Bancorp permission to share this detailed personal information with a third party. I therefore wrote to US Bancorp, informing them that I was very unhappy with the way they had treated my confidential, personal information. Their written response was completely unapologetic. I would like both an apology, and a reassurance that US Bancorp will never again share my personal financial information with a third party without my permission, unless they are legally obliged to do so. I would also like a reassurance that they will not treat other customers in this way.


Date_received: You need to look at the XXXX initial security questions the online site asked. In my first attempt
Subproduct: XXXX XXXX XXXX. ( XXXX XXXX did you live in 2002
Issue: answer XXXX XXXX
Subissue: XXXX
Consumer_narrative: what was your phone number
Company_public_response: all XXXX area code numbers ; I have NEVER lived in XXXX
State: which is what SHE owns
Complaint_ID: Yes
Product:
 I could not log on answering the questions as myself. I tried again about XXXX hour later and XXXX of the XXXX questions were geared for my sister in law

Company:
 she just moved from there!! ) I consulted with her and successfully answered them as she advised me. I was then given a XXXX additional security question regarding the type of car I currently own. The correct answer was a Ford Fusion


Subproduct: fix it
Issue: and advise. Thank you."
Subissue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative: TransUnion Intermediate Holdings, Inc.
Company_public_response: NC
Company: 280XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 04/06/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1867444
Date_received:
I agree I was eventually able to log on and check my free credit report the 2nd time answering the questions as her

Product:
 not me. I do n't believe Trans Union has done enough at all to verify where the confusion IN THEIR SYSTEM is from. Please research


Date_received: 04/29/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Shopping for a loan or lease
Company: Social Finance, Inc.
State: CA
ZIP_code: 925XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I applied for a personal loan with SoFi Lending and was approved. Their disclosure process is not clear or upfront which leads me to believe it is not legal. After I signed loan documents it was disclosed to me that the loan would not be funded for up to 30 days and have been told I wo n't be given an exact date for funding. It should be disclosed upront that funding does not occur for 30 days. This should occur in the disclosures before applying. This leads consumers to making decisions on applying for a loan that are flawed and present Dishonest Services to the consumer.The loan is a fixed rate loan and the loan documents indicate a payment based on a specific interest on a 30 day cycle with the first payment XXXX/XXXX/2016 this leads me to believe I will be paying interest on funds that have not been disbursed to me. How can a consumer be provided with loan contract with scheduled payments with a commencement date with automatic withdrawals and no date for disbursement until after you agree to the terms?


Date_received: 05/04/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: BB&T Financial
State: MD
ZIP_code: 209XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Several months ago I opened a bank account via the mail. I have never received signature cards or account information advising of my minimum balance requirements.I have voiced my concerns via email, letters to the bank manager with no response. I am now being told I cant close my accounts without incurring more fees.


Date_received: 05/06/2016
Product: Credit card
Issue: Other
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: FL
ZIP_code: 334XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
According to XXXX, I have a " Fair '' rating n credit inquiries due to XXXX requesting XXXX hard inquiries within a XXXXmonth period of time when I was shopping for the right product with them. They assured me any inquiries would not impact my credit score. When I called to ask why they requested XXXX hard inquiries on my credit report they offered no acceptable response nor any solution. My credit score was negatively impacted in part due to their redundant requests."


Date_received: 05/11/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Can't contact lender
Subissue: Can't contact lender
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Delbert Services
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Lender is contacting my husband, in laws and other people and discussing information about said debt, yet has not mailed a notice or even left a message on my phone. I am being told they are preparing to sue me, yet I have no notice as to what the debt is.


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


Date_received: 03/24/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company_public_response: Company believes complaint is the result of an isolated error
Company: Navy FCU
State: FL
ZIP_code: 325XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/24/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX, received debt consolidation loan at XXXX % to payoff high interest loans. One of those high interest loans was to Navy Federal Credit Union ( NFCU ). I had XXXX write NFCU a check for {$32000.00}. On about XXXX XXXX XXXX, I noticed an unusually large amount still in my account. It appeared NFCU has not cashed their check for {$32000.00}. I called NFCU to see what the issue was. The rep stated NFCU returned the check because of an endorsement issue but they have fixed the issue and will apply the check towards the balance. The rep stated I would be getting a letter stating the check was returned but ignore it because they fixed the issue. I checked the next day and just like NFCU stated, check # XXXX for {$32000.00} to NFCU was cashed then returned. I checked NFCU website to confirm it was applied towards the payoff balance -- it was. I did the checks for the mid-month income XXXX XXXX XXXX because the next week I would be in XXXX done. I wrote the final check for {$97.00} to NFCU. Came home celebrated the holidays. Saw a large amount in my account when I was doing end-of-month checks. XXXX XXXX XXXX, I called XXXX and told them about the letter I received from NFCU. The XXXX rep stated NFCU still has the check. I checked NFCU website -- It stated the loan was paid off in full. That meant that XXXX must have credited my account instead of debiting my account or they have not posted it yet or whatever. I transferred a large amount to the saving account because they are connected. So XXXX can claim the money anytime they wanted. On XXXX XXXX XXXX, I received confirmation the loan at NFCU was paid off. Presently, forgot about the whole situation, that is why I take a lot of notes. So when XXXX take the money or call me about it, I know why. On XXXX XXXX XXXX, I tried to withdrawn {$100.00} from my NFCU account. I could not. I assumed it was because of the reported fraud. I went home to pick up brochures for a campaign and out of the blue NFCU calls me talking very fast. Basically telling me I owe them some money for some reason, and asking how do I want to pay. On XXXX XXXX XXXX, I called NFCU to get the particulars. The phone kept transferring me so I waited for the NFCU to call me back at XXXX as the rep stated because she did not have all the information, it was just dropped on her desk. I did not like that NFCU 's first inclination was to take all my money when it was so easy to see that I pay my bills on time. I have not been late on a payment to any organization for at least the last 12 years and have very good credit.


Date_received: 05/02/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: PA
ZIP_code: 171XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Bank of America denied access to my banking account and held my funds without giving me access to my funds. Bank of America states that they will be closing my account and my account will be on a hold status. Account number XXXX, also I was denied full disclosures.


Date_received: 05/11/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company: Nationstar Mortgage
State: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Mediation was done in court between NationStar attorney and borrower at the beginning of XXXX 2016. The agreement was to get the modification packet request to Nation Star.Modification request was sent by there due date. Left message with account manager on XXXX/XXXX/16 also spoke to XXXX who advised of other docs needed. These were faxed. Left another voicemail with acct manager on XXXX/XXXX/16. As of to date no return call from account manager. I spoke to a representative today, XXXX/XXXX/16 who advised me that the account is closed and house went up for sale on XXXX/XXXX/16


Complaint_ID: Yes
Date_received:
My XXXX statement arrived showing a posted payment of {$6700.00} on XXXX/XXXX/16 and a New Balance of {$44.00} due on XXXX/XXXX/16. This charge posted to my account on XXXX/XXXX/16. When I called Customer Service to inquire about the charge I was told ( not very politely ) that I am charged a " very valid interest charge ''. When I asked for a Manager

Product:
 I was sent to XXXX XXXX in central Florida who again told me she can not waive the fee because it was a valid charge. Frankly


Product: checks
Subproduct: cash advances
Complaint_ID: Yes
Date_received:
Answer : You wo n't pay interest charges on credit card purchases if you pay your New Balance every month by the due date end time. This is called the interest-free period on purchases. Balance transfers


Date_received: 03/28/2016,Credit reporting,,Incorrect information on credit report,Account status,XXXX XXXX
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Experian
Subissue: MS
Consumer_narrative: 393XX
Company_public_response: Servicemember
Company: Consent provided
State: Web
ZIP_code: 03/31/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 New Jersey XXXX department increased my child support payment amount by {$20.00} per month but did not make the change with XXXX garnishment operations. The result was a {$140.00} balance of which I was unaware. Probation indicated that the account is in collections on my credit report."


Date_received: 05/10/2016
Product: Credit card
Issue: Credit card protection / Debt protection
Company: JPMorgan Chase & Co.
State: CO
ZIP_code: 809XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I was charged a late fee by Chase on a balance that was due on a Sunday. My bank was unable to process the payment electronically until first thing Monday. They have refused to acknowledge that was in violation of the Credit Card Act of 2009. Have the companies such as Chase found a way around this act?


Date_received: 03/23/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Windham Professionals
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/23/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Windham and Associates is the collection agency for my federal student loans which are currently being paid but in default. The company offers me no other alternative but to pay the balance in full to bring the loans out of debt. Is there no other solution to this issue? I am a XXXX, at one time the payments were made on time until I was laid off from XXXX for one year. Now, I can not purchase anything and feel trapped all because I wanted an education??


Date_received: 05/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
COMPANY CONTINUE TO REPORT OUTDATED INFOR PAST 5YRS SINCE 2011 ; STATUS OF LIMITATION TO RETAIN OVER 5YRS OLD AND MUST BE REMOVE, NOT MY ACCOUNTS OF INSUFFICIENT FUNDS INCORRECT DATA REPORTED. VIOLATES FCRA AND FCBA..SAME INFOR REPORTED ON FILE 5 TIMES


Date_received: 04/14/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Company_public_response: we sent people to the home to ready it for the pending sale
Company: the pipes had burst
State: there were muddy footprints all over the carpeted floor
Timely_response: Ocwen
Consumer_disputed: RI
Complaint_ID: 028XX
Consumer_narrative:
I became deliquent on my mortgage as of XXXX XXXX, 2015 ( the last payment. The tenants had moved out and we missed the XXXX and XXXX payments. As of XXXX/XXXX/2015, Ocwen ; the mortgage holder ; proceed to send what they call a knocker to the door. When they discovered no on there, they proceeded to begin vacancy proceedings. They did not contact the number that I updated with them in XXXX of 2015. Meanwhile on XXXX/XXXX/2015, Ocwen assigned XXXX to come in and " winterize '' the property. I had already done this on XXXX/XXXX/2015. This house was listed for sale under a Realtor. XXXX then stacked all of our belonging into the middle of each room. The house had been staged for sale on XXXX/XXXX/2015 and XXXX/XXXX/2015. XXXX then proceed to padlock the entrances to the home. The house is now under contract for sale. When

ZIP_code:
 and cigar butts on the linoleum in the a joining kitchen. XXXX claimed no responsibility and referred us to Ocwen

Submitted_via:
 our mortgage holder. Ocwen claimed that they would not send someone into our home before 90 days delinquency. When this all began

Date_sent_to_company:
 I started the modification of my mortgage with this lender. I repeatedly sent them the documentation they requested and they repeatedly needed more documentation and phone call meetings. It has been 4 months now and they are still telling me I did not submit the right paper work. I believe they are dual tracking me. Trying to delay in order to foreclose. Help"


Date_received: 04/28/2016
Product: Prepaid card
Subproduct: Payroll card
Issue: Unauthorized transactions/trans. issues
Company: Empowerment Ventures, LLC
State: MI
ZIP_code: 481XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I went to the bank on XXXX/XXXX/16 to do a cash advance for XXXX from my Rushcard debit card and the teller never received a authorization number from the terminal or printout to give me my money. The teller stated it was not going through, it kept giving him a error message.But the withdrawal and fee was pending on my account till this afternoon on XXXX/XXXX/16. It cleared my account and now Rushcard Does not want to return my money when they were having system issues and doing a system maintenance update the same day. I am very unhappy, because it was not my problem and customer service is not able to see the error on their end.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Credence Resource Management, LLC
Issue: FL
Subissue: 325XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 04/29/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I am at my whits end dealing with the threats of collection, threats of damaging my outstanding credit on something that is not so, according to my carrier XXXX XXXX XXXX of whom I have been with for over 10 years.


Date_received: 06/14/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have disputed these collections several times with XXXX, XXXX and Transunion and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to XXXX provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all XXXX account be removed.


Date_received: 03/17/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: Seterus, Inc.
State: NY
ZIP_code: 105XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I pay my mortgage to bank Seterus every however they failed to make a payment in XXXX 2013 city hall called me threatening to take me to court. I tried to call Seterus to resolve the issue and I encounter one incompetent representative after another and many of them hang up the phone. I tried for a week now and have n't made any progress to resolve this very urgent issue it seems like no one know there job.


Date_received: 05/06/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
My balance statement was paid in full by the due date and on the next statement, I am charged an interest rate on the previous months charges. For example, the previous balance including the previous months interest chanrge is {$100.00} and you pay it off by the due date, according to XXXX XXXX XXXX XXXX who claims to be a manager at Citi, even though you pay off the balance, you are still charged an interest rate even though you have completed paid off the bill.


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: NY
ZIP_code: 104XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Convergent Outsourcing ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ), a collection agency that appears to be a fraudulent company, has used my personal information to falsely accuse me of owing {$610.00} to XXXX. According to the company, the account was created in XXXX in XXXX, when I lived in XXXX, and closed XXXX. I called XXXX regarding the information after speaking to XXXX XXXX, who had no record of a previous delinquent account in my name. According to XXXX, Convergent used a completely different social security number from mine. I also found an official news article regarding other people 's fraudulent experiences with Convergent.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: American Credit Financial
State: TX
ZIP_code: 773XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I have had repeated calls about a debt I owed. They have called several of my family members telling them I have XXXX fraud charges being filed against me and I needed to call to get my court date. I called them and asked them to send me some information and that I was n't going to pay them until I could validate the debt. They said I had to pay that day or they would file civil charges against me for fraud. The next day the " legal courier '' called me to let me know that she had an order in her office to file charges. I told her I did know about this debt and that in past 4 years they have never sent me any paperwork saying I owed a debt. She told me to call back and get the paper work I needed. All they calls were made with a no caller id on my phone."


Date_received: 03/31/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX is a debt purchasing company and they are attempting to collect on a XXXX XXXX acct # XXXX and there internal # XXXX is from fraudulent activity and the original creditor had knowledge of this. XXXX needs to delete there collection remarks effective immediately and and close and return this back to the original creditor


Date_received: 04/20/2016
Product: Debt collection
Subproduct: I do not know
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: NH
ZIP_code: 030XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX and finally received copies of statements from XXXX after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$830.00}, I requested XXXX to provide details on how the alleged amount of {$1000.00} was calculated, XXXX has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX, 2010 ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the XXXX is not authorized to collect interest unless it is authorized, I request XXXX to provide a contract from original creditor stating that XXXX is authorized to collect interest on this account. As per evidence presented above XXXX has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file.


Date_received: 04/01/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Experian
ZIP_code: FL
Submitted_via: 336XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 04/01/2016
Complaint_ID: Closed with non-monetary relief
Consumer_narrative:
Experian : Unauthorized hard pulls = XXXX of XXXX, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX via XXXX XXXX multiple hard inquires to Experian - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother ''

Company_public_response:
 well I 'm here and saying "" why is XXXX hurting my ability to move '' and making unauthorized hard pulls?"


Date_received: 04/25/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Can't contact lender
Subissue: Can't contact lender
Company: RFNA, LP
State: AR
ZIP_code: 716XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Hi, my name is XXXX XXXX : I am filing a complaint against Republic Finance of XXXX Louisiana : Today I contacted XXXX Credit Bureau Agency ; And the representative made me aware, that Republic Finance, was showing opened on my credit file, as of XXXX/XXXX/2016, I disputed it with credit bureau ; because It 's not my account ; Whenever I had previously disputed this company, they provided XXXX with information saying this was my account. My ex-husband told me numerous of months ago this account was closed : so I followed up and ask XXXX XXXX, the manager at XXXX. La XXXX, and he told me that the account had closed, and that he had reported this to the credit bureau. So whenever I was told the account was still showing opened at bureau ; I once again contacted XXXX XXXX, and he made me aware that the account was refinance ; he told me that he could n't talk to me about the account ; I then asked him, how can you not talk to me about my own account, he refused : without my knowledge he refinanced the account, and told me false information, that he had told the credit bureau that the account was closed. XXXX XXXX fradulent removed my name from account, and did n't bother to report the closing of account to bureau, after I had contacted him to ask him to please close, delete or remove from my records. I feel like XXXX XXXX does n't like me because of my race, he also hates me because I am disable.


Date_received: 04/12/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Sarma
State: FL
ZIP_code: 336XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Sarma made multiple hard inquires to all three credit reporting agencies : XXXX - XXXX, XXXX - XXXX, and XXXX - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. WHY is SARMA hurting my ability to move and making unauthorized hard pulls?


Complaint_ID: Yes
Date_received:
On XXXX XXXX, XXXX, I attempted to reach Synchrony Bank/JC Penney at ( XXXX ) XXXX XXXX, the number listed on the credit report, and spoke with XXXX, id XXXX, who advised that I needed to speak with a " specialist '' at XXXX XXXX XXXX. Upon calling that number


Date_received: I believe that is wrong and unfair. I asked for the item to be deleted
Subproduct: I do not think it 's fair that I
Issue: the consumer
Subissue: would have to go through all of that burden
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: OR
ZIP_code: 972XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Product:
 and was advised she had no option over the phone to process that request. While offered the opportunity to write a letter

Consumer_narrative:
 when they are the ones reporting items incorrectly and with no documentation to support this. I would like the CFPB to review this problematic practice."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: NJ
Subissue: 077XX
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Please Correct The Pay Status to Paid/Closed Zero Balance There is a Date Closed Date, yet its status is for OPEN accounts, and this is incorrect The remarks indicate, the Credit Line is CLOSED Please validate this account and update its status, accurately.


Subproduct: and the PAY/Balance history from its inception - and CLOSE the account"
Issue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subissue: TransUnion Intermediate Holdings, Inc.
Consumer_narrative: NJ
Company_public_response: 077XX
State: Consent provided
ZIP_code: Web
Submitted_via: 05/09/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: No
Complaint_ID: No
Date_received:
Account Number XXXX 1. This account is Closed and has a CLOSED DATE 2. This account should say " CLOSED ''

Product:
 and not Current in its PAY STATUS 3. This account is missing Pay History 4. This account is missing Balance History 5. Please validate this account


Date_received: 03/16/2016
Product: Consumer Loan
Subproduct: Pawn loan
Issue: Charged fees or interest I didn't expect
Company: OneMain Financial Holdings, LLC
State: OH
ZIP_code: 442XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
took a loan out for XXXX spring leaf financial advertised on XXXX website much lower intrest than I am being charged. loan officer never went over intrest rates with me, just monthly payments. after making 3 paymnts, I notified them. was never told about a credit reopt fee. I filled out the app on website. XXXX % plus is the interest rate. also had to put up television for collateral ;. these people knew way in advance about my financial situation. I called them and told them that the interest rate would have to be renegotiated. or I will not pay the loan. very deceptive business practices.i am XXXX vet. would appreciate some suggestions.


Date_received: 05/11/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Company: Equifax
State: AR
ZIP_code: 726XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I want remarks from XXXX XXXX XXXX XXXX to be removed from my Eqifax credit report because it is well over 20 year a old & should no longer appear there.


Date_received: 05/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: CA
ZIP_code: 956XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
i have a sole proprietor business and file tax extensions every year due on XXXX XXXX the state of California filed a {$1200.00} lien on my home in XXXX 2010? my accountant figured my state tax burden of {$230.00} which I paid and the state released the lien still showing {$1200.00}, I had visited the state tax board twice and told oops sorry that was a mistake, I ask for a letter to send to the county and credit reporting companies but again they say sorry I will have to dispute so that they can be removed, XXXX removed the negative info but XXXX and Equifax have not and have been disputing every year since 2010 I do have the documentation showing the error and have sent to credit agencies with no success


Date_received: 04/27/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: PNC Bank N.A.
State: PA
ZIP_code: 168XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
On Monday, XXXX XXXX, I had a positive bank balance ( PNC bank, State College PA branch ). I also had a deposit that day of {$140.00}. I could see the deposit in my account on Monday. The very next day, I was charged falsely XXXX " overdraft '' fees totaling {$72.00} even though I had money in the account! They "" posted '' my deposit immediately after the XXXX fake overdraft fees. This timing was clearly intentional and predatory. The local branch and customer service refused to refund the overdraft fees even though it 's obvious that the charges were predatory and opportunistic. There was enough money in the account to cover the checks!!"


Date_received: 03/31/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX fraudulently changed there promotional interest rate of 0 % for balance transfers after 6 months when it was for a 12 month promotion.And XXXX XXXX is attempting to collect on fraudulent balance information and needs to cease and desist all collection efforts and delete this from my credit portfolio and close and return back to the original creditor


Date_received: 04/26/2016
Product: Debt collection
Subproduct: Auto
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Santander Consumer USA Holdings Inc
State: AZ
ZIP_code: 853XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This auto issue to collect from me is made by my ex wife not me ... ..she is legally responsible for this auto loan thats in collection ... ..it shouldnt be on my record.


Date_received: At the time of our discussion
Complaint_ID: Yes
Product:
 I had approximately 15 months remaining on my business locations lease and certainly informed him of that fact. I also mentioned that I wanted to save approximately XXXX dollars per month with any new agreement


Product: to my surprise
Issue: it triggered disbelief
Complaint_ID: Yes
Date_received:
I told him that I did not want to waste any capital by changing over to the Associated Bank Merchant Services - if that would be an issue. Obviously

Subproduct:
 after making the time to thoroughly read over the paper agreement that was sent to me by mail ( approximately four weeks ago )


Date_received: Ironically
Issue: Associated Bank
Subissue: WI
Consumer_narrative: 532XX
Company: Consent provided
State: Web
ZIP_code: 04/29/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 I found the XXXX XXXX XXXX XXXX 'Welcome Letter ' mixed in with some junk mail that was sitting on my office desk - I was in the process of accumulating various numbers for my XXXX Tax return."


Date_received: 05/03/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Shopping for a loan or lease
Company: Toyota Motor Credit Corporation
State: NY
ZIP_code: 117XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Went to lease a new Toyota Prius. The dealership made a deal without checking my credit report. They advertise XXXX+ FICO credit rating. My credit cards free FICO report showed XXXX+ on my statements, so I was n't worried. After transferring insurance and making the down payment, a person from the finance department showed up and said, we have a problem, my credit rating is less than XXXX. I asked ; which credit FICO or Vantage? His answer was ; Your XXXX. That is your credit, if you want the car the payment will be {$65.00} more.Being my insurance already transferred at that time, I decided I can pay for the new amount, but I still do n't think that is the right amount or that was the right way to make the deal. Also, I have a feeling they use, Instead of FICO, the Vintage credit score wich in most cases much lower, again Toyota advertises FICO!!!


Date_received: 05/10/2016
Product: Credit card
Issue: Credit line increase/decrease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: FL
ZIP_code: 327XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
my Barclaycard credit card account credit line was reduced from XXXX to XXXX, this action causes major change in my credit score, because it maximizes card over XXXX % thereby reducing credit score, all payments are on time, never late! I HAVE XXXX CREDIT CARDS, AND THE ONLY ONE THAT REDUCES CREDIT LIMITS IS BARCLAYCARD!


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: Rent Recovery Solutions
State: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The XXXX at XXXX Ga took a fraudulent claim to court ... .My rent was fully paid ... I owed them nothing ( They said {$10000.00} dollars???? ) ... .They had the warrant sent to my old apartment ... .I was not given the opportunity to defend myself and then they sold info to Rent Recovery Solutions who did not want to hear my story. These are the same people who were on XXXX on XXXX XXXX, 2014 ( please watch ) ... The apartments were mold infected, crime infested and damaged which is why I got them paid off an moved out.


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: PayPal Holdings, Inc.
State: VA
ZIP_code: 201XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I never opened a Pay Pal credit account. Despite that I am now receiving calls from XXXX, a collection company acting on behalf of PayPal Credit, demanding that I owe them over {$1000.00}. This is absurd. I have never received anything in the mail or by email regarding any such account, charges to any such account or anything else. I assumed this was a phone scam of some sort, but XXXX XXXX XXXX appears to be a legitimate company


Date_received: 04/28/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Received a loan I didn't apply for
Subissue: Received a loan I didn't apply for
Company: Enova International, Inc.
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am receiving numerous harassing calls from CashNetUSA for a loan that I did n't apply for. I have never applied for a loan with this company, I believe that someone has used my social security number and stolen my identity for this loan.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: U.S. Bancorp
Issue: AZ
Subissue: 852XX
Company_public_response: Consent provided
Company: Web
State: 04/30/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Even considering the involvement of a closed account, it should not take over 3 months to process a refund request.


Subproduct: Law Offices of Palmer, Reifler & Associates, P.A.
Issue: OK
Subissue: 748XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I would like them to stop harassing a XXXX XXXX XXXX little girl over a debt that she does not have anything to do with.


Date_received: 05/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: MI
ZIP_code: 490XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
EQUIFAX IS REPORTING A COLLECTION DEBT ON MY ACCOUNT THAT IS NOT MINE XXXX I HAVE TRIED TO RESOLVE IT WITH THEM WITH NO RESPONCE OR CHANGE TO MY REPORT I HAVE ALSO SUBMITTED A COMPLAINT WITH THE COLLECTION AGENCY THAT THE DEBT IS NOT MINE AND NEVR WAS THEY HAVE FAILED TO PROVIDE DOCUMENTATION UNDER THE FAIR DEBT COLLECTION PRATICES ACT AND STILL REPORTED TO THE CREDIT AGENCY EQUIFAX


Date_received: 04/29/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: NY
ZIP_code: 122XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been making payments on my mortgage and instead of applying them to my principal/interest/payment, they put it in " unapplied funds. '' Numbers ( amounts ) and payment dates are not matching up with actual amounts and actual dates."


Date_received: 03/16/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Taking out the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Ally Financial Inc.
State: PA
ZIP_code: 152XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I leased from Ally a Hummer from XX/XX/XXXX to XX/XX/XXXX. Towards the end of my lease [ I believe about 2 months before ] I took the vehicle to XXXX XXXX in XXXX, PA to attempt to purchase the vehicle. My contract allowed me to purchase the vehicle. XXXX said that the windshield was broken and it had excessive miles. They agreed that if I purchased the vehicle then the excessive miles was not a factor. So I left and I then had the windshield replaced. I then took the vehicle back to XXXX XXXX to purchase the vehicle per the terms of my lease. XXXX then refused to allow me to purchase the vehicle. I then left and telephoned Ally. Ally said they would extend the lease and allow me to contact XXXX to attempt to purchase. XXXX again refused to allow me to purchase the vehicle. The payoff on the vehicle was only {$16000.00} more or less which was far less than the value of the vehicle. I believe that they wanted my vehicle so that could then sell the vehicle for its true fair market value of {$24000.00}. They then charged me for a cracked windshield [ which I had fixed ], a non existent roof debt, an alleged tear in the interior headliner and excess mileage. XXXX XXXX and Ally failed to comply with the terms of the lease and refused to allow me to purchase the vehicle. I believe XXXX XXXX sold the vehicle for substantially more than I owed and did not allow me to mitigate my damages. I believe I do not owe them any money. They have not sued me, I wish they would so that I can prove that I do not owe them any money. What they have done is report this alleged debt on my credit report. I want them to remove this from my credit report.


Date_received: 03/29/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Taking out the loan or lease
Company: Coastal Finance Company, Inc.
State: SC
ZIP_code: 295XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
While reviewing my Equifax credit report, their is still a auto loan on my report, that was paid off in 2008.


Date_received: 03/31/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: VA
ZIP_code: 238XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have requested on XXXX occasions now that XXXX remove inaccurate information from my account regarding XXXX. XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; XXXX refuses to conduct a proper dispute. Letter is attached from XXXX.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: CA
Subissue: 917XX
Company_public_response: Consent provided
Company: Web
State: 03/28/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Please help my family and I keep the home where we have so many memories. Through this request I am seeking assistance in bringing the loan current, making my payment more affordable, and lowering the balance of my loan.


Date_received: 03/29/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Complaint_ID: Yes
Consumer_narrative:
We went into XXXX XXXX in XXXX to talk about trading in our vehicle in XXXX. We ended up with a XXXX Nissan Sentra. I looked at the sticker price and the dealer said " do n't even look at that amount because that is n't what you are going to pay ''. ( the XXXX 's were out and they wanted to get rid of this vehicle ). We did pay the total sticker price and anything else they could add on. We spent from first thing in the morning until late afternoon listening about things not even pertaining to the sell of the car that we did n't know if we were coming or going. We were also talked into things we did not want ie ... VSC and GAP that we thought we were signing a decline for. The dealer also said that they would pay the full payoff of our trade-in and not worry about it. ( he did n't lie

Company_public_response:
 it was just tacked onto the new car ). We should have looked at the contract better but by the time we left the place we were so tired of being there we just left. Later

Company:
 we looked at the contract and they had added over {$4000.00} to the new car for the amount we were supposedly over/under on the trade-in and they also added the VSC and GAP that we did n't want. We went to speak with them in XXXX

State:
 XXXX and even had the owner in the office and they faxed a cancellation of the VSC and the GAP and gave us the confirmation copy showing the refund amount that would be taken from the payment of the new car. It is now XXXX

ZIP_code:
 XXXX and have not seen any changes to our statements that they reimbursed this money so I faxed the copy we had again and said it was a duplicate and stated we still have not seen anything. We heard nothing. We called XXXX XXXX


Complaint_ID: Yes
Date_received:
Update : The above was sent to the XXXX and XXXX Nissan of XXXX issued a check and supposedly sent it to Nissan Motor Acceptance Corporation. NMAC says they have not received a check from them even though XXXX Nissan of XXXX sent us a copy of the check saying they did and that Nissan Corporation cashed it on XXXX XXXX. Neither company will talk to each other about this missing check and when my husband and I talk to either of them they both refer us to call the other on the matter or will not return our calls. This has been ongoing with XXXX Nissan of XXXX since XXXX XXXX


Date_received: Again
Issue: Nissan Motor Acceptance Corporation
Subissue: KS
Consumer_narrative: 660XX
Company_public_response: Servicemember
Company: Consent provided
State: Web
ZIP_code: 04/04/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 it is our fault for not following closely to what was being done but we do know that we will NEVER deal with this company again."


Date_received: 04/29/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Specialized Loan Servicing LLC
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Our loan was transferred from XXXX XXXX XXXX, XXXX to SLS in XXXX 2015. Since then we have experienced XXXX major problems. The first involved a property tax impound account that we do n't have/never have had ( see complaint # XXXX ). The second involves continually being requested to obtain more insurance than we need on our structure ( complaint not yet filed. ) The third, and the subject of this complaint, involves our PMI account. Although we have paid PMI of $ XXXX/month since our initial payment in XXXX 2015, we recently received a bill for the account shortage. The bill appears to represent two month 's worth of impound account, for the XXXX and XXXX 2015 amounts. Note that we paid the amount for each month as represented by the statement from XXXX. I have attached a copy of the XXXX statement proving payment, as well as a copy of the bill for the " shortage '' from SLS."


Date_received: 05/07/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Complaint_ID: Yes
Consumer_narrative:
Paid my XXXX bill online on XXXX XXXX after XXXX via electronic transfer from my checking account. XXXX website notified me it would take one " business day '' to process

Company_public_response:
 i.e. XXXX XXXX ... XXXX requires payment due by Sunday XXXX XXXX ... of course XXXX is closed on Saturday and Sunday and its normal business hours are Monday to Friday but still somehow they want payment on XXXX XXXX ... a Sunday when their doors are closed

Company:
 lights out and nobody available ... So that is one half of the problem. I could not pay my payment on a Sunday if my life depended on it


Subissue: JPMorgan Chase & Co.
Consumer_narrative: CA
Company_public_response: 952XX
State: Consent provided
ZIP_code: Web
Submitted_via: 05/07/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Date_received:
The second part of the problem is that bank super computers magically only processing bank transactions on "" business days '' Monday to Friday ... and typically only to XXXX in the evening. So I am questioning the logic of this old school banking protocol of only processing checking account transactions during these very restrictive hours and only "" business days '' ... I think as a society we are past this and almost all transactions are being done by super computers at these big banks ... They have multiple layers of redundancy and backup systems and there is really no reason banks can not perform checking account transactions 24/7 and every day of the week ... The reason is simple banks want to slow

Product:
 postpone and make it difficult for folks to pay bills on time or manipulate timing of transactions because utility companies and banks get tremendous benefit from charging late fees and lack of fund fees based on manipulating the timing of transactions ... If they punch a few buttons on those super computers to provide mor prompt and timely checking account transactions to occur 24/7 they would have tremendeous losses in revenues due to all the late fees and lack of funds fees they steal from folks by manipulating the clock and using the "" business day '' requirement that does not actually exist in an era of super computers that process transactions 24/7 ... It 's an outdated protocol from a time when bankers and tellers had to be present to assure transactions are processed ... But it 's all run by super computers now and it is an unnessecary protocol that is deteremental to consumers and the American economy ... checking account transactions for too big to fail banks should be done seven days a week as supercomputers rarely need the weekends off like humans and especially with all the redundancy and backup systems ... There is no good reason

Subproduct:
 explanation or excuse why these "" to big to fail '' banks can not do checking account transactions 24/7 to the benefit of their customers/consumers ... Change is due!?"


Date_received: 05/09/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Complaint_ID: Yes
Consumer_narrative:
Dear Credit Reporting Bureaus : I have been monitoring my credit scores weekly for about XXXX years now and I am " stumped '' at the constant fluctuation in my FICO score from week to week. Thus


Date_received: On XXXX XXXX
Product: I checked my FICO score and it was XXXX. Within one week ( today )
Issue: I saw that I had done nothing wrong. I continue to obtain credit offers with lower interest rates
Subissue: I am never denied credit
Complaint_ID: Yes
Subproduct:
 my FICO score dropped XXXX points with Transunion ... XXXX points with XXXX ... and XXXX points with XXXX. When I viewed my credit report


Date_received: 05/10/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: NY
ZIP_code: 103XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Unable to dispute and remove my " consumer statement '' via Transunion website. Website keeps bringing my to my last dispute results."


Date_received: 04/18/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Provident Funding
State: OR
ZIP_code: 973XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been trying to work with my mortgage lender for two years. They put me in forbearance 2 years ago and never told me I had to pay it back well I have been trying to re-fi the loan for over a year now and month after month they ask for the same documents over and over. I have talked to counselors and they said they offer counseling for Harp XXXX loans but over and over they ask for the same thing. So I filed bankruptcy to save my house and they refuse the bankruptcy I want to keep my house and I have given them proof after proof and they do nothing but ask for the same documents over and over. Its frustrating and very unprofessional.


Date_received: 01/28/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Windham Professionals
State: NV
ZIP_code: 891XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 01/28/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Keep getting calls from Windham Professionals to collect a debt from XXXX XXXX. We have called the number XXXX as the message states to indicate we are no the party to discontinue the calls but they ignore the pleas.


Date_received: 04/29/2016
Product: Credit card
Issue: APR or interest rate
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: OH
ZIP_code: 457XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
There was a fee on my Amazon store account through Synchronicity Bank that should not have been there. They are promoting a 6 month interest free payment plan, however I purchased something outside of that promotion, and then made a payment, they did not apply the credit to the non-promotional balance, thus fees started to incur. I contacted them and I assume the funds have been properly reallocated so I will no longer incur fees while the promotional balance is paid off. However, I believe they are in violation of the law by not applying payments to higher interest purchases first. I just want to make this aware to CFPB so they can remedy any illegal actions by this bank and protect other consumers that might not be aware. Thank you.


Date_received: 03/28/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: FL
ZIP_code: 335XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I contacted experian to remove XXXX dept it is being reported twice by them and also XXXX XXXX XXXX. It still remains


Date_received: 04/19/2016
Product: Credit card
Issue: Other
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: FL
ZIP_code: 328XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Purchased item on Macy 's CC in XXXX. Upon due date of payment, attempting to pay IN FULL on their website, the site was down. I called to make payment - their processing system was down. The representative documented my case and ASSURED me that I may mail payment but NO late fee or interest would be assessed. Received the next months statement WITH late fee and interest. Called to make complaint, which took hours out of my time to wait to speak with management. Was told over the course of THREE months this was resolved and I would NOT receive another statement. Come XXXX, I received ANOTHER bill for {$4.00}. IN anger and frustration, I wrote a complaint on their customer portal, but PAID the {$4.00} PRIOR to the due date in hopes this would finally be resolved. It is now XXXX and I have continued to receive COUNTLESS calls a day from Macy 's collections and continued to receive bills for {$2.00}, then {$4.00}, then {$6.00}, etc ... ( I am unable to answer my personal phone during any of their attempts to contact me, and it has taken at least an hour out of my day on my attempts to contact them. I can only imagine their efforts will be to submit me to collections over these ERRONEOUS minimal charges. As documented, I had already just gone ahead and paid the {$4.00} in XXXX, though was told REPEATEDLY by management I WOULD NOT receive another statement. I have multiple confirmation numbers if needed and I informed the representative each time I spoke with them in XXXX, XXXX, XXXX, and XXXX to record the conversation.


Complaint_ID: Yes
Date_received:
I have a trustee sale date of XXXX/XXXX/XXXX, but I can prove I am not in the trust that is moving against me. XXXX ' response to my debt validation request was to say that XXXX Bank as trustee for a securitized trust " owns '' the notes


Complaint_ID: Yes
Date_received:
Legal documents that were used against me relating to bank standing were altered. The copies of notes used to prove bank standing had undated indorsements in blank. In XXXX in response to a QWR


Complaint_ID: Yes
Date_received:
There are also several serious servicing issues with Chase and then XXXX who was substituted in as servicer for Chase. When the servicing was moved from Chase I was in underwriting


Date_received: XXXX has violated many servicing regulations
Product: including Single Point of Contact
Subproduct: Dual Tracking
Company_public_response: pretending to follow servicing guidelines and requirements
Complaint_ID: Yes
Issue:
 and the requirement to offer foreclosure alternative solutions in good faith. They send letters saying that those opportunities are available

Subissue:
 but XXXX has blocked every attempt I have made for a foreclosure alternative. Since they stopped the modification I had in underwriting at Chase

Consumer_narrative:
 I have not had the opportunity to utilize any foreclosure alternative. Many servicers are intentionally deceiving and misleading XXXX the borrower and the regulatory agencies

Company:
 when they are actually trying to sell the property. XXXX said they had opened a short sale and I would have four months to list the property and find a buyer. They kept putting me off when I called and then said they could n't open the program because I did n't have a listing. I got a listing which was emailed to them. They emailed confirmation of receipt and said they would respond in writing. They did n't. Then they told me that they had closed out the short sale program because I did n't have "" an offer in hand! '' This entire time

State:
 they refused to send me any confirmation in writing that I was actually in the short sale program and continued efforts to sell the property at trustee sale. When I told them they were dual tracking


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: advanced interest
ZIP_code: Company believes it acted appropriately as authorized by contract or law
Submitted_via: Ditech Financial LLC
Date_sent_to_company: AP
Company_response: 963XX
Timely_response: Servicemember
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
Ditech Financial LLC, seems to have creative accounting practices. I had a " Green Tree '' mortgage that was moved over to Ditech due to their legal issues. I have incurred an advanced debt on my account. The debt I was told

Company_public_response:
 occurred in 2011 for property maintenance that was conducted on the home. My account was charged over {$200.00} to cut the grass and various charges that are excessive. These fee 's are very questionable at best! I have called Ditech concerning paying off the debt. I was told to send a separate check with written direction on where the extra money is to be applied too. I have written on the check and the payment coupon on where the extra money is to be applied you. I have done this countless times. They have taken the money and applied it to either my escrow

State:
 or in an unapplied balance account. My escrow now has over the amount need to pay my property tax. I pay my own insurance. I also have balance in my unapplied balance account. They never apply the money to the advanced debt. They continually charge my mortgage a monthly late fee and a property appraisal fee."


Date_received: 03/15/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a permanent loan modification through the National Mortgage Settlement from Bank of America on XXXX XXXX, XXXX. I paid three trial payments and then executed the permanent modification documents in XXXX XXXX. In XXXX XXXX, Bank of America subtracted the principal forgiveness as promised. I received a XXXX for {>= $1,000,000} for the year XXXX. I filed my taxes and claimed this loss. But the following month of XXXX XXXX, the servicer, Bank of America put the whole XXXX back on the loan. My mortgage statements still show old payments and old loan amount.


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: prior to the expiration. Therefore
Complaint_ID: Yes
Consumer_narrative:
Hello my name is XXXX XXXX. I was contacted by XXXX XXXX from NCAC Debt Collections and was told that she acquired a debt from my previous landlord, XXXX management ( Account # XXXX ). XXXX XXXX insisted that I owed the debt because I did not give XXXX 30 day notice before I left my former apartment. I explained that my lease did not include an notice requirement unless you became a " holdover tenant. '' Section XXXX applies to "" XXXX tenancy. '' A person becomes a hold over tenant once that remain in possession of the unit beyond the expiration of their lease. I vacated the unit and gave notice to the landlord in the last month of my lease


Date_received: XXXX XXXX sent me a "" notice intention to vacate
Product: '' that was purportedly signed by me
Subissue: you 're trying very hard to find a way out and I assure you
Complaint_ID: Yes
Subproduct:
 which I never signed. I repeatedly explained to XXXX XXXX that I was not required to give notice under my lease

Issue:
 as long as I vacated the unit before the expiration of my lease. XXXX XXXX never showed me a provision in the lease that stated that I was required to give 30 day notice other than the provision that governs hold over tenants. Then she told me : Try again


Date_received: I refuse to be held liable for a debt that I am not responsible for. In speaking with XXXX XXXX
Product: I can see that she is only interested in having me pay money
Subproduct: and not interested in finding out the validity of the debt. I am deeply saddened by this process
Issue: especially because XXXX XXXX choose to report this to credit reporting agency for my cosigner
Subissue: XXXX XXXX
Company_public_response: and my cosigner 's ( XXXX XXXX 's ) credit report."
State: First Advantage LNS Inc.
ZIP_code: DC
Submitted_via: 200XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 04/19/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
 which is confusing because they are claiming that this debt occurred outside the parameters of the lease agreement that my cosigner was a party to. I really need some assistance resolving this issue and removing this item from my credit report


Date_received: 05/13/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker
Company: First Citizens
State: NC
ZIP_code: 281XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing this complaint because First Citizens Bank refuses to take my increased of income into consideration. They have refused to use my current income to purposely deny my loan modification. My First Citizens Bank assigned specialist XXXX told me that they were not able to use my current income because they solemnly based approval on tax returns. This is outrageous because clearly my XXXX has been increasing drastically with each passing year. It is absurd that they based my income on last year taxes as my business is blooming. If you look at my XX/XX/XXXX tax returns I made {$11000.00} and last year I made {$27000.00} Clearly, my XXXX is growing and First Citizens Bank refuses to acknowledge or considered my increased income for this year. XXXX from First Citizens Bank stated that despite my business growing they were not considering my current income. I warn him I would file a complaint with my attorney general and cfbp but he clucked and said you nor the attorney general would do anything to First Citizens Bank. Furthermore, he said it would be a waste of time on my part since no one would address my complaint unless I provided my XX/XX/XXXX taxes showing my increased of income. At that point I was done with him. I am requesting a new specialist be assigned to my case that wants to work with me and I truly hope this complaint helps expose First Citizens Bank fraudulent review process. My new income has to be considered because based on my tax returns my XXXX is and continues to grow.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Global Credit & Collection Corporation
State: MD
ZIP_code: 207XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have tried to contact Global credit to inform them of the inaccuracy of this collection account and have not received a response from them. The telephone numbers that are listed on my credit report and on the internet for them is incorrect. I am requesting that the information that is being provided by Global Credit be ceased and desisted.


Date_received: 06/26/2016
Product: Credit card
Issue: Credit card protection / Debt protection
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: PA
ZIP_code: 193XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I lost my job in XXXX XXXX. I have a Best Buy Credit card debt and I started falling behind my monthly payments from XXXX XXXX. I had debt protection plan subscribed on the same credit card since the time I got this call. I asked Best Buy Credit card to take care of my unemployment situation and wave off or adjust the payments. I had approx. {$800.00} balance payments. BBCS asked me to show them an unemployment befit registration with PA state and the receipt of unemployment payments from them. Since I am XXXX in this country hence I told them I am not eleigibel to get those benefit and even if I try and get it then it will affect my XXXX. They were adamant and next thing they did is cancelled my debt protection and kept sending me bills with hefty APR and late fees. They even stopped talking to me, disabled my access to the online account and when I dial their customer service number it gets disconnected. I am still going under hardship. I have my mortgage payments, child support payments and other credit card debts stacked up. I have a XXXX county court order allowing me my support payment modification due to my loss of employment. If court verified my unemployment status then why the credit card company is not able to validate it? I am not sure why Best Buy is harassing me and not offering me the debt protection coverage. The amount due they are showing now is {$1500.00} to pay by XXXX XXXX, XXXX. My account # is XXXX XXXX XXXX XXXX


Date_received: 05/10/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: MI
ZIP_code: 484XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Trying to get free annual credit report, ca n't get past TransUnion 's annoying pages/ads for paid credit score, no link to go by it --


Date_received: 06/14/2016
Product: Credit card
Issue: Payoff process
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: MN
ZIP_code: 550XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been working with a financial counseling company on a debt management plan to pay off old credit card debts since 2013. I have been making payments faithfully for the past XXXX years and have not missed XXXX payment. I was getting excited because I thought I was getting close to paying the balance off. - only XXXX or XXXX more payments However, in the last month I noticed that my XXXX statement was updated with a new balance and showed that I still owe over {$800.00}. I followed up with the financial counseling company to see why this changed. They said they only recently got an update from Citi reflecting the new balance, but the balance was quite a bit larger. This concerned me so I checked my records, including my credit report. The highest balance on the card that was reported was {$5700.00}. I have paid {$5400.00} to this debt to date. This should leave me with a balance of {$310.00}. Citi is quoting the balance at {$810.00}. I asked the financial management company to contact Citi, which they did, but they could not get a sufficient answer as to the discrepancy and suggested to them that I call. I just got off the phone with a Citi recovery representative, who could NOT tell me where the discrepancy took place or why, and that their system showed {$810.00} as the remaining balance so that must be it. He did verify the beginning balance at {$5700.00}. He was providing me with information on only XXXX year 's worth of reports ( last year ), and told me he would have to request permission to get my reports from when the payment plan started, and I would have to call back in a week. This is unbelievably frustrating that no one can pinpoint where or why the balances are different. In addition, I have not been receiving ANY statements from Citibank, or the company that they apparently sold my debt to.


Date_received: 06/25/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Pressler & Pressler, LLP
State: NJ
ZIP_code: 080XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX of 2015 my bank account was seized by Pressler & Pressler who are representing XXXX XXXX XXXX for a debt that I dont believe is mine. I got the courts to release the money on the XXXX asset rule and the debt was taken off of my XXXX report and marked satisfied on XXXX. At the time I thought it might be XXXX as the original creditor. A year later they have seized my bank account again and now they say the creditor is actually XXXX. I do not owe XXXX I dont even know who they are. In the meantime I can not get Pressler & Pressler to prove validity of the debt. they claim it has to be mine because they were awarded a judgement that I knew nothing about. Original papers were sent to outdated address. How can I get these people to Validate this debt or at least leave my bank account alone. They have refused to help me get any information at all.


Date_received: 06/24/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes complaint is the result of an isolated error
Company: Ditech Financial LLC
State: IL
ZIP_code: 601XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Hello- I began paying Ditech additional money towards principal beginning XXXX 2016. I sent XXXX checks. XXXX for my normal payment and XXXX with principal written on the memo section. The mortgage company misapplied my payment. I had to call 3 times in XXXX to have it resolved. I let them know I planned on paying extra each month and to always apply extra to principal. I was assured this would be ok going forward. I then paid my XXXX payment on the Ditech website and indicated the extra amount should go to principal. The payment was again misapplied. I 've called them now 3 times in XXXX to resolve. The mortgage has been applied as of XXXX XXXX. The payment was made XXXX XXXX. However the extra {$500.00} I paid is now sitting against " late fees ''. There are no late fees due on the account. I am worried about the mismanagement of my account and afraid I 'm not receiving the proper credit of payment. I can not call 3 times each month to instruct how payment should be applied. The mortgage company should be able to handle extra principal payments. This is a normal occurrence in the mortgage world. Also my loan is a fixed rate. They have been listing me as a variable rate the last 2 months. My contracted paperwork is for a fixed rate loan."


Date_received: 04/27/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Pacific Union Financial, LLC
State: FL
ZIP_code: 339XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Lender is forcing a {$4000.00} flood policy which is increasing my payment by over $ XXXX/mo. Problem is ; i already have a flood policy and they acknowledged it. they are still demanding this new, much higher payment.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: NC
ZIP_code: 273XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Based on the documents synchrony Bank has provided none of the documents has my name on it but a account statement and a delivery receipt..A check with with XXXX XXXX name on it showing the last payment made. Loan agreement sign by XXXX.The guy at rooms to go ask for my personal information so i would be able to sign for the furniture if XXXX XXXX was n't at home he also advise that i could n't apply for a loan or cosign because i was unemployed at the time.Once the loan went delinquent Rooms To Go, Ge Money Bank, Synchrony Bank did whatever they wanted to with my personal information after i was advised by Rooms To Go it would only be use for delivery purpose only.I have uploaded supporting documents showing who is liable for this debt. This was a walk in purchase from Rooms To Go store XXXX XXXX XXXX, XXXX XXXX XXXX, NC.XXXX


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: CA
Subissue: 927XX
Company_public_response: Consent provided
Company: Web
State: 06/16/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
The response from Wells Fargo has no merit and the documents that the sent the Consumer Financial Protection Bureau provides the proof in Wells Fargo own words. Wells Fargo stated that they sent me letters informing me about the XXXX Coverage which they sent to the wrong address and it shows on their letterhead. I have had insurance the whole time and then when I call them to clarify they had some unprofessional, disgracefully rude customer service representative who did not update my file, in which I called back and demanded to speak with a supervisor so they would correct my address information and update the insurance information. I have written countless letters to the XXXX and the CFPB and even Wells Fargo themselves and still the have not corrected the negative and inaccurate reporting to the credit bureaus and as I write this letter, Wells Fargo is still reporting me as late to the all three credit bureaus which again is incorrect. I have sent my bank statements from my XXXX showing every single payment to Wells Fargo and showing every payment on time, I have even taken the effort to have my bank XXXX fax over the all of the transactions from my XXXX XXXX showing every payment made to Wells Fargo, which proves no miss payment on time. The response from Wells Fargo has no merit and the documents that the sent the Consumer Financial Protection Bureau provides the proof in Wells Fargo own words. Wells Fargo stated that they sent me letters informing me about the XXXX XXXX which they sent to the wrong address and it shows on their letterhead. I did have insurance the whole time and then when I call them to clarify they had some unprofessional, disgracefully rude customer service representative who did not update my file, in which I called back and demanded to speak with a supervisor so they would correct my address information and update the insurance information. I have written countless letters to the XXXX and the CFPB and even Wells Fargo themselves and still they have not corrected the negative and inaccurate


Date_received: 04/15/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
ZIP_code: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Submitted_via: Bank of America
Date_sent_to_company: GA
Company_response: 305XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
I have a current pending RMA with Bank of America. As of XXXX XXXX, XXXX I was told it was still under review. However, BOA has notified their foreclosure attorney to schedule a foreclosure date. The attorney 's office was notified that I have a pending RMA and requested it be postponed until a decision is made. The attorney 's reply was " Please be advised that our client has not elected to postpone the pending foreclosure sale. '' When speaking with an attorney I may need to retain

Company_public_response:
 I was advised that BOA is "" dual tracking '' as prohibited under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Furthermore

Company:
 I have learned that BOA was XXXX of the XXXX largest banks involved in a XXXX National Mortgage Settlement which restricted dual tracking

State:
 and I would like to report that they are apparently attempting to "" dual track '' home owners again."


Date_received: 05/04/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: and what policy dictated how many times it would be attempted. However
State: therefore
Date_sent_to_company: while I understand the process that was explained to me multiple times
Company_response: what I can not understand is how there is no policy
Complaint_ID: before processing a transaction for the entire credit card balance
Consumer_narrative:
My concerns involve my Citibank credit card. When I was attempting to make a regular, smaller payment online, somehow, a payment for the entire balance of my credit card was processed and then deducted from my checking account. I have been unable to successfully request and obtain a refund because my checking account bank denied the payment due to insufficient funds and will not allow the transaction to be processed because of the high amount. ( Therefore, Citibank can not issue me a refund because they have not received payment ). Instead, Citibank keeps attempting to process the full balance, despite me having put Citibank on notice that this transaction is an error. I have been unable to get the issue resolved after a week and several hours on the phone with multiple departments within both banks. I have even had both Citibank and my checking account bank on the line simultaneously. In the end, I was told that Citibank no longer had control over the transaction and could not stop it ; I must wait until Citbank stops trying to process the payment. I was informed that this could be " three or four '' times ; the answer changed depending on the representative. No one with Citibank could tell me if it would be 3 or 4 times

Company:
 waiting until they stop attempting the transaction and waiting for Citibank to follow their refund request process leaves me unable to access any other funds in my account ( including my federal income tax refund and my biweekly paycheck ) and

ZIP_code:
 unable to pay mortgage and other necessary bills. This also means that my checking account has continued to assess a series of fees ( insufficient funds and return payment ) because of Citibank 's multiple attempts to take the money out of my account. Citibank informed me that they could not/would not reimburse any of those fees

Submitted_via:
 despite them being a result of their inability to stop the process. The only option left is to attempt a stop payment with the checking account bank ( which can only be done if the account is not overdrawn and is an additional fee ) and file a dispute with my checking account bank. As an attorney myself

Timely_response:
 procedure or other mechanism in place with the bank to prevent these erroneous transactions and rectify it without the consumer needing to be assessed multiple fees and constantly get updates in the process

Consumer_disputed:
 taking on the burden in what is essentially a dispute between XXXX large banking companies. Additionally


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: USAA Savings
Issue: CA
Subissue: 920XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 04/28/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This error just dropped my credit XXXX points in 1 week & i was rejected for a home or rental leaving me homeless & I desperately NEED HELP!!!!


Product: if they had thoroughly researched their records
Subproduct: they would find that the recent inquiry was actually the third
Issue: in regard to the {$5400.00} XXXX charge to which they refer
Subissue: going back to my first inquiry
Complaint_ID: Yes
Date_received:
First, they do not even mention the CFPB at all, or reference Complaint # XXXX, stating as if their message were completely of their own volition, in an effort to " help us recognize and improve the quality of our work '' : "" American Express would greatly appreciate your feedback. Our records indicate we recently assisted you with a billing inquiry. The amount of the billing inquiry was {$5400.00}. '' Actually


Product: my grievance regarding the unconscionable delay of two months and twenty days
Complaint_ID: Yes
Date_received:
I ca n't adequately explain the frustration of restating again and again to representative after representative


Product: but this time
Subproduct: instead of restating my grievance
Issue: I will refer them to Complaint # XXXX. Thank you."
Consumer_narrative: Amex
Company_public_response: TN
Company: 371XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/12/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1922547
Date_received:
I see now that I have another identical message from American Express in my Inbox. I will respond again to their survey


Date_received: 05/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Complaint_ID: Yes
Consumer_narrative:
There are XXXX XXXX Accounts on my credit report, please note the acct numbers - This is Account XXXX Account Number XXXX 1. This account is Closed and has a CLOSED DATE 2. This account should say " PAID/CLOSED/XXXX BALANCE ''


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: FL
Subissue: 330XX
Company_public_response: Consent provided
Company: Web
State: 04/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: No
Date_received:
These inquiries were not authorized by me Show more Account name XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX CARD Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX Date of request XXXX/XXXX/XXXX


Date_received: 06/21/2016
Product: Credit card
Issue: Closing/Cancelling account
Company: and NO it was not. And there was ton of weird fees all over place."
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Wells Fargo & Company
Submitted_via: NV
Date_sent_to_company: 891XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 06/21/2016
Consumer_narrative:
This is over wells fargo secured credit card that I XXXX XXXX had. I also had bank accounts with wells fargo, as the enclosed paperwork there is a XXXX page summary of issues leading up to my encounter with wells fargo secured card. wells fargo bank was aware that we were idenity theft and robbed and I was adding my partner XXXX XXXX to my account, in order to do this, as my credit was better than his, we would have to be downgraded to a very weak checking account with wells fargo that did not offer us as many benefits and had horrible limitations, even though my credit was good aside from all issues with robbery and theft, wells saw paperwork I brought it into office, police reports and the whole nine and still gave us a checking account that ended up causing major issues. In light of all that we still need to put our lives back together after fallout,, and all the many many issues with WELLS FARGO CREDIT CARD, and such, if WELLS FARGO SECURED CARD takes care of the outstanding issues. First off, WELLS FARGO made {$330.00} in fees on my secured card as I put in document, they made this in just THREE MONTHS, in total they made over {$1700.00}. The issue is, I had {$200.00} limit to start, {$200.00} limit take out of machine, I paid on time and every time perfect. So much so, that I ended up with {$1000.00} secured card. But, there were issues with disputes from get go which I will go into in the resolution part. Every dispute that was made, either had witness, or turned in paperwork, or had proof of the issue and there were over XXXX all together. Several companies I canceled a membership and I alerted WELLS, the company would following month try to put it through again. I would have to call company again, then wells, and each dispute, wells would credit, then take back, then recredit then take back. Even after I would spend hours with XXXX issue, and I have phone records and emails to prove it, it doesnt take a brain trust to figure it out, XXXX was XXXX companies kept trying to recharge, several months in row, if I talked to company or not, it would be pretty clear I canceled subscription if even lets say first time it was my fault, which it wasnt. I can prove I spent well well over hundreds of hours dealing with this insane issues. I would go use the card, and the money that I thought was there, sometimes hundreds of dollars, would nbe taken back of card for dispute that they already told me was closed and in my favor. So on top of making XXXX 15 calls a dispute I would have to call over the dispute being taking away as well. Many times I Was XXXX with no balance on card even though I paid my balance every time it got low, sometimes 5 or more times a month. And there were many other issues, like WELLS called me and said there was some really strange activity on my card, and it did not look like they were my charges, there was over {$700.00}. I looked, and my card was gone, at this time we still dealing with idenity theft issues, but I could have dropped the card somewhere and someone picked it up, we were experiening a lot less idenity theft issues, and there was no one around me and I tried keep all cards and such far from anyone take, so I could dropped it, She cut card off just in case, and when I Got new XXXX not only few days later WELLS cut card off without notifying me with {$650.00} in disputes from up to 2 years prior that they took back off my card even after dispute was " CLOSED ''

Company_public_response:
 there was {$700.00} in new issues which I was still trying figure out if indeed t was someone I may known


Product: XXXX demanded a filing fee that was never disclosed nor billed
Subproduct: plus a late fee for not paying a fee that was never disclosed. In any event
Issue: with the late fee waived
Complaint_ID: 06/21/2016
Date_received:
After not hearing from XXXX concerning the release of the mortgage and deed, we contacted XXXX. After establishing the fact that this final payment had cleared our bank, XXXX told us that we still owned {$26.00} for filing fees plus a {$79.00} late fee on this filing fee. After discussion with an XXXX representative, we agreed to pay the {$26.00} filing fee ; the late charge on filing fees was waived. We agreed to pay the filing fees even though the original loan documents, which we hold, do not disclose any filing fees. When asked why we were not informed of these filing fees, we were told that " most people '' contact XXXX when they close their loan and they are disclosed at that time. We assume that a financial institution would recognize that a loan is closed when the loan balance goes to zero and then contact the client should any further issues require attention. Rather


Date_received: Yet
Subproduct: under separate cover
Subissue: the {$7.00} cleared our bank on XXXX/XXXX/XXXX
Consumer_narrative: 4 days ahead of XXXX 's due date. So
Complaint_ID: 06/21/2016
Product:
 on XXXX/XXXX/XXXX we received another statement showing the {$7.00} still outstanding in addition to another {$79.00} late charge. On the same date

Issue:
 we received another letter from XXXX abating the {$79.00} late charge with the strong warning that this was the only time it would be abated. Again


Product: I pity the less sophisticated
Subproduct: less educated
Subissue: some sort of regulatory investigation and oversite is demanded."
Company_public_response: Dovenmuehle Mortgage Inc.
Company: NE
State: 681XX
ZIP_code: Older American
Submitted_via: Consent provided
Date_sent_to_company: Web
Company_response: 04/29/2016
Timely_response: Closed with explanation
Consumer_disputed: Yes
Complaint_ID: No
Date_received:
We are well educated and financially savvy. Both of us are college educated with XXXX hours. We have successfully owned our own business for over 35 years. XXXX our children are XXXX educated. Given our educational background

Issue:
 or more elderly having to deal with XXXX. The odds of this happening on just our mortgage are infinitesimal. Clearly


Date_received: 04/29/2016
Product: Debt collection
Subproduct: Medical
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
State: I want a copy of the demand letter that I have yet to receive."
Submitted_via: Credit Service Company, INC
Date_sent_to_company: CO
Company_response: 809XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
I have initially been improperly notified of a debit not only being transferred, but I was sued without being given the demand letter after asking for a copy multiple times. I had a pretrial conference date originally scheduled XXXX XXXX, but it was changed to XX/XX/XXXX. Upon requesting the minutes from the court session on XX/XX/XXXX, it was stated on court issued documents " DATE OF XXXX/XXXX/16 GIVEN BY THE CLERK IN ERROR. ATP WILL DO AMENDED NOTICE OF NEW PRETRIAL DATE ''. On XXXX/XXXX/16

Company_public_response:
 I received a judgment from the XXXX XXXX county courts contradicting the court minutes to reschedule the pretrial date. As has been the case with the plaintiff

Company:
 they are not following the rules or keeping with what they have told the court they will do. I would like to see my court case that was held in error ( per the clerk ) be vacated so that I am able to have my day in court. Once agin


Subproduct: Capital One
Issue: IL
Subissue: 604XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 04/17/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Capital One and the agents as well as the supervisors are crooked to say the least and needs to be brought into the spotlight! Shady, lying people they are and as a consumer I am now suffering because these reps are untrained and could care less about the consumers, as long as it 's not their life then business as usual I guess.


Date_received: 03/23/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Oportun Financial Corporation
State: CA
ZIP_code: 918XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
This company repeated calls the County of XXXX XXXX toll free number asking for individuals of a personal nature but they speak in XXXX. This has been going on for months.


Date_received: 05/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
ZIP_code: so I had to create a new online account for that
Submitted_via: but they never sent me any information about it. Despite they assumed the responsibility
Date_sent_to_company: my score credit dropped more than XXXX points and I called XXXX XXXX again
Consumer_disputed: Credit Karma, Inc.
Complaint_ID: FL
Consumer_narrative:
I moved in XX/XX/XXXX to a new house, and I went online and changed my address in all my credit cards, including " XXXX '' from XXXX XXXX. On XXXX XXXX

Company_public_response:
 I used the card for {$24.00}. During XX/XX/XXXX and XX/XX/XXXX I tried to access my online account with no success

Company:
 the website was under maintenance. Earlier this month they sent me a letter saying I was 60 days late in my payment. I called them right away and explained them what happened during the last 2 months. They admitted their mistake and waved the fee

State:
 I did a payment just for {$24.00}. At that point the website was still "" under maintenance ''. After some hours on the phone they realized that I did n't have an "" online account '' even when I do. They explained me that the new card with the chip is considered a new and different account

Company_response:
 they suggested me to file a claim in order to fix this derogatory mark. Before this incident I had a XXXX % in my payment history. This issue affect my wife because she was an authorized user."


Date_received: 05/07/2016
Product: Prepaid card
Subproduct: General purpose card
Issue: Unauthorized transactions/trans. issues
State: Amex
ZIP_code: CT
Submitted_via: 064XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/11/2016
Complaint_ID: Closed with monetary relief
Consumer_narrative:
I reported on XXXX XXXX that an unauthorized atm withdrawal was made to my American Express Bluebird Account of {$160.00} as well as ATM fees. I spoke to a representative which then informed me that American Express Blue Bird customers have a 0 % Liability for Unauthorized ATM withdrawals and that she will assist me through the process to retrieve the money taken out of my account. She then informed me to fill out the proper paperwork that it will be emailed to me within XXXX hours. I filled the paperwork and sent it in and within XXXX hours I go to look into my account to print records to bring to the police and could not access my account. I then checked my email and received an email claiming my account has been suspended and that there investigation ( within XXXX hours ) came to a conclusion that it was n't Fraud. I called the number which said to contact to retrieve the paperwork that made them come to the decision and was transferred 4 times and put on hold for an hour to be told that the only information that can be given to me is that my account has now been closed. I am outraged that even with consumer XXXX % ATM liability an investigation took so quick and an outcome of closing my account without access to my deposited fund are now unavailable. Yesterday the representative for BlueBird insisted I leave the money in the account while the investigation proceeds and that they will do a thorough investigation which could take 45 days which I agreed. I was looking forward to finding out how the money was taken out in the first place. It took like I said before XXXX hours after sending in the paperwork to submit to fraud for them to investigate and then find out they restricted all access from my account. Once again leaving me with no way to inform the police let alone gain the necessary records for myself to settle this situation. I just would like everyone to know that American Express BlueBird is a scam and quote what I was told by a supervisor, " In the Terms which you agreed when you first used the card

Company_public_response:
 American Express has the right to cancel your account at anytime. '' I went through the proper channels to try and fix the situation of money being stolen and American Express becomes the second crook of money being taken."


Date_received: 03/31/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX erroneously mismanaged this account and fraudulently changed there promotional interest rate of 0 % for balance transfers after 6 months when it was for a 12 month promotion. They have erroneously reported me as a charge off collection remark since XXXX but more importantly the stature of limitations regarding the FCRA guidelines is from date of last payment which on this dates back is XXXX. And this needs to be deleted off my credit profile as of XXXX. This needs to be updated to current or deleted now for fraudulent reporting activity


Date_received: 03/28/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: FL
ZIP_code: 335XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have contacted experian requesting removal of XXXX off my credit due to it has been bought by another lender and the amount isnt correct, also when contacting XXXX i asked for a pay for delete they said they cant since it was bought by another lender yet when i sign into my XXXX account its still showing i can may balance. It should be removed for false details. It still remains on my credit


Date_received: 06/14/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Select Portfolio Servicing, Inc
State: PA
ZIP_code: 166XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am assisting my aunt with a short sale on her home. Her loan is being serviced with a company called Select Portfolio Servicing XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ). She has been working to get this resolved since XXXX of XXXX, and has now submitted her 3rd offer. All XXXX offers have been equal to or greater than the XXXX value. Everytime an offer is submitted my aunt is required to send new documents. Everytime we call and ask if all information has been received, and they say yes. Then we call back for a status and they state they need someting else. Then the original documents expire and we have to submit again and reapply. We keep going in circles. After we lost the first XXXX buyers I called and complained to the Ombudsman office. They assured me that this time would be different and that they had everything needed. However when I called in for status, they again are asking for something additional that was not requested initally. We are getting no where and now time is running out as foreclosure is moving forward. We have a current cash offer for fair market value and we can not get an answer. The current XXXX is going to expire on XXXX/XXXX/XXXX and they still have not submitted the offer to the investor. Please help.


Subproduct: Arvest Bank
Issue: OK
Subissue: 741XX
Company_public_response: Consent provided
Company: Web
State: 05/14/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I am # 1 ) sick and tired of having to call the XXXX number and NEVER getting to actually speak to anyone in the dispute department. I am not even sure at this point that there is a dispute department. They do not speak to me on the phone ; they do not return my phone calls ; nor do they answer my letters. I even complained by letter to Arvest 's customer service and no reply from them either. # 2 ) I am tired of being told a different story every time I call and ask about this dispute.


Date_received: 06/27/2016
Product: Credit card
Issue: Other
Company: etc
ZIP_code: which is lowering my score. I have a XXXX fico and that 's not the issue
Submitted_via: the Citibank system keeps saying a have a card
Timely_response: and this is NOT CORRECT and they need to be removed from my report
Complaint_ID: and I was advised to keep trying
Consumer_narrative:
I applied for a Citibank credit card online and was declined. I received a letter stating I already had a card and gave a number to call them. I called the phone number, explained I did NOT have a card, explained that I have and live with my XXXX brother where all of our information is identical except consecutive social security numbers. He does have a card, and it was my idea that perhaps Citibank was getting the information crossed, that he has a card and Citibank was thinking it was me, they directed the call to the fraud department apparently they have more authority to look on the " back end '' of the application process

Company_public_response:
 whatever that means. The fraud department advised that was most likely the issue that the "" system '' was thinking my brother and I were the same "" input '' on the application system. They advised to try to submit another application and try again

State:
 and this process was repeated two more times. The man at the fraud department advised to use a different address for another inquiry so I also tried that and then had that business address show up on the credit report as well. XXXX inquiries are appearing on my credit report now

Date_sent_to_company:
 as explained earlier. I have since this mess tried to dispute the inquiries on my credit report with the credit bureaus

Company_response:
 since I should not have them stand due to the mix up and inability of the Citibank system to distinguish there are XXXX different people ( by the way my brother also has XXXX fico ). The credit bureaus state that the creditor is verifying as valid

Consumer_disputed:
 so please help. It 's not right to have them stay on the credit report as there is some type of glitch at Citibank


Date_received: 05/14/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Retail Merchants Associates
State: LA
ZIP_code: 711XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
I have a collection account on XXXX Credit Report from Credit Bureau of Louisiana for ( XXXX XXXX ). At the time of service I was in the custody of the United States Marshall 's Service being housed at XXXX XXXX XXXX XXXX. The XXXX or XXXX Parish Sheriffs office is responsible for this charge. This is what I want to dispute I was in custody from XX/XX/XXXX until XX/XX/XXXX


Date_received: 06/24/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: payment and costs could be higher. Get an official Loan Estimate before choosing a loan. '' Also
Company: the document had an incorrect purchase price and loan amount
State: and the property address zip code was about XXXX miles off."
ZIP_code: Company believes it acted appropriately as authorized by contract or law
Submitted_via: Pine Court Holdings, LLC
Date_sent_to_company: FL
Company_response: 328XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
My wife applied for a loan estimate on my behalf at FBC Mortgage , LLC. They demanded additional documentation ( pay stubs, XXXX, tax returns, drivers license, bank statements, college diploma, educational transcripts ). She provided all documentation, and finally 2 weeks later, they sent an unofficial estimate ( " Pre-Application Worksheet '' ) that states : "" Your actual rate


Date_received: 06/23/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: MS
ZIP_code: 395XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
U.S. Bank holds the mortgage to my mobile home that I purchased in XX/XX/XXXX. I pay my insurance and taxes in escrow monthly, and for the past 3 years U.S. Bank has paid my insurance and taxes using my funds in escrow. I received a letter today from Mississippi XXXX XXXX XXXX that my insurance has been canceled because the premium was not paid to them by the due date of XXXX/XXXX/XXXX. I called U.S. Bank and they refused to pay the premium because the representatives and a manager at the bank stated that they would not pay the premium until they receive an update copy of the policy. I called Mississippi XXXX XXXX and they stated they do not send out the new policy until the premium has been paid to them. XXXX XXXX, XXXX, called U.S. Bank to resolve the issue and they also told him that they would not pay the premium until they received an updated copy of the policy. XXXX XXXX told me that they have never sent a policy until they premium has been paid to them. I called the Mississippi Insurance Commissioner 's office and spoke with a representative who told me to call the Consumer Banking Complaint department in Mississippi, and they directed me to your company. I live in XXXX, XXXX which is right in the XXXX hurricane zone path and now I do not have insurance for my mobile home. I can not get U.S. Bank to send the premium and they will not send my money to me. They told me that I could complete a form to cancel my escrow, mail it to them, they would review it, and decide if they would cancel my escrow. I have never made a late payment and have excellent credit. I have always paid before or on time for my mortgage note. I am a single mom with a daughter in college and do not have the money to pay the premium. If a hurricane hits my area, then I do not have insurance to cover the home either. XXXX XXXX, XXXX, told me that now I have to reapply for insurance and be approved before they can accept payment, if it is not received ASAP. I need U.S. Bank to immediately release my escrow money to me, and cancel my escrow ASAP. I was unable to go to my second job today because I have been on the phone trying to resolve this issue all day, and may not have the job now. I am very distraught about this issue. I can not believe that a bank would hold a customer 's money hostage, and not pay the bills as they promise to do so with escrow money. They have paid my homeowners and windstorm insurance for 4 years, and my taxes, and now they are refusing to pay without justifiable grounds to hold my money.


Date_received: 06/08/2016
Product: Consumer Loan
Subproduct: Personal line of credit
Issue: Managing the line of credit
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: GA
ZIP_code: 301XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Wells Fargo reported a late status on my account on an account that is already paid in full and has no balance


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: P.S.C., Inc
Issue: WA
Subissue: 984XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 06/27/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
PSC has also previously offered to settle this matter with me for full payment and agreed to remove it from my credit report while on the phone with XXXX. She additionally stated they would send me a letter to the same effect and never did. When I called in subsequent to that they have told me that " its against office policy '' to remove entries from people 's credit reports. This same kind of behavior and worse is easily found on the XXXX for this business. This company is an example of the worst behaviors of debt collection agencies."


Date_received: 06/25/2016
Product: Bank account or service
Subproduct: Savings account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: BB&T Financial
State: VA
ZIP_code: 229XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, XXXX, I closed an account at XXXX XXXX and took the cashiers check to my Bank, Branch Banking and Trust, XXXX XXXX, XXXX Va, to open a savings account to be linked to my checking account. I have had a checking account with BB & T since XX/XX/XXXX and have always handled the account in a satisfactory manner. I had a balance of {$8000.00} in the checking account, collected funds. While at BB & T they treated me like a criminal, but that is not why I am complaining. I opened the saving account for {$20000.00}. Approximately {$19000.00} with the cashiers check and the other transferred from my checking account. I am complaing because they pulled a credit report on me without my authorization. It showed up on Equifax as a hard pull. BB & T never disclosed to me that they would be running a credit report. Now the inquiry shows up on my credit report indicating I was trying to get credit. I never asked they for any credit and told them that I had no interest in receiving overdraft banking or a credit card. They put the cashiers check on a 7 day hold, which was fine with me. This should have given the proper assurance that the transaction would be valid.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: MD
Subissue: 209XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Background. In XXXX, I attempted to get a loan modification through Bank of America. State of MD posted that modifications were available even if you were n't behind but anticipated problems. I was on time for my payment for both mortgages, but my wife lost her job. We asked for a loan modification for over a year, with no response. I contacted the bank 's military line and they finally responded and stated that they could not do a loan mod unless I went into the forbearance program. Entered the program and when my wife got a job I asked for the loan modification. POC confirmed they had all the information needed and asked us to wait. We waited and were told we were not approved because we were missing information. Of course, the POC no longer worked there. This went on for over a year, including work with a local liaison that worked for the county to work with the banks on load modifications. We applied again and again. After about 18 months we were told that we technically qualified for the loan modification based on the requirements, but the owner of the loan did n't want to modify. Mind you, I applied for this loan via Bank of America via my local branch. Bank of America, never communicated that they did not own the loan. I complained and in XXXX XXXX, I received a check for about XXXX from the Bank stating that they had not properly served me as a customer. I then learned that my loan for my XXXX trust was released, I assumed as a condition of their settlement for improper foreclosures. I aked, but Bank of America never gave me an answer about the check or the release. A year later ( XXXX XXXX ) I sold the home. However, Bank of America continues to report the loan as a charge off. I ca n't buy a house now even though I have the credit scores and the down payment to purchase a home. I have attempted several times to get this removed via credit reporting, calling the bank and going to the local branch. I have essentially been penalized by Bank of America because they were corrected for improper procedures. I have attached the original deed of trust and the certificate of satisfaction with matching liber folio. It is not right to say we treated you wrong, here is our attempt to correct our bad acts and then pretend the apology never happened. I want the charge-off removed and an explanation why they are fighting this. I have attached the settlement statement ( which I would not have without a release -- this was not a short sale ), Deed of Trust and the Certificate of Satisfaction recorded. Thanks for your time.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Ditech Financial LLC
Issue: NC
Subissue: 283XX
Company_public_response: Consent provided
Company: Web
State: 06/20/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I called everyday to speak to someone different and there answer was the same. Doing that same time I went to the court house to check on the title and when i did that i saw the original MTG company as the owner on the deed. I even checked with DMV because they said it was like a car loan. I called around to attorneys and asked questions but none of them gave me any value information. I also looked online for information but nothing was clear to me as far as this being right. I also wrote the attorney general. They didnt receive any thing from them either but after the MTG was refin they sent them a letter and told them they didnt have the MTG any more. There name was never on the MTG, they didnt even own it and they knew it but they kept collecting my money every month. When I went to the closing I was told by the attorney there that they had to do a lose title because the MTG company didnt have one. I didnt know about a 3 day cancellation because the attorney didnt give me any paper work until they recorded it at the tax office. When looked it up the next week the new MTG company was on the deed. I just think this was wrong and I dont think they should been able to sell something they didnt have ownership to.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company: Encore Capital Group
State: NY
ZIP_code: 117XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
They have called my employer numerous times, even after I have asked them to stop calling me at work, at the phone number. Not only that, but they have told my employer who they are, and that they are debt collectors, and have given personal information out. This damage, can not be undone. They should have never called work, and when asked to stop calling they did n't stop. They are not allowed to give out personal information /or say it is regarding a debt.


Date_received: 05/14/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: MD
ZIP_code: 208XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX agreed to remove late payments from my account. I received a written agreement from XXXX XXXX XXXX that states they are not reporting late payments on my lease dated XX/XX/XXXX. Furthermore, this was disputed and deleted last year ( XX/XX/XXXX ). How and why is it reporting on my credit report? This is not a dispute about my loan from XX/XX/XXXX. Please do not delete my XX/XX/XXXX account as it is not being disputed because it is closed and reporting accurately. My XXXX account balanced updated by my credit limit did not. My XXXX credit limit is {$17000.00}. My new balance updated to {$410.00} but my credit limit did not. This is affecting my utilization by {$5000.00} as I am sure the bureau is extremely aware. If the new balance updated, how and why was the new credit limit missed?


Date_received: 06/27/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Application, originator, mortgage broker
ZIP_code: Company believes complaint is the result of an isolated error
Submitted_via: Amerisave
Date_sent_to_company: MI
Company_response: 481XX
Timely_response: Servicemember
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
I started out my cash-out refinance using a VA Loan with Amerisave because they had approved me for a 3.375 % interest without paying points ( in fact they were supposed to give me {$680.00} for taking that rate ) I talked to a man at the company and he said that 's right because I have a XXXX credit score. I also received a loan estimate that showed no origination fees which he also stated they do n't charge those. Now, after a long back and forth of documents I already uploaded it was told I did n't need to send at first but then told I do need to send we are in the closing portion. I 've set a date for a closing agent to come in my house and fill out the rest of the documentation tomorrow on Tuesday at XXXX. They sent the final loan disclosure the previous Friday afternoon when they knew I was at work and could n't contact them back right away. I reviewed this final disclosure and there was and it says " Origination fees ( points ) {$2800.00} ''. So I called them out on this and they 're "" looking into it '' right now

Company_public_response:
 but stated those are the points to buy the rate down because they do n't charge origination fees. This is normal but as previously stated I was approved for the rate with them paying me {$680.00} because my credit score and income are within that range. So this seems to be the same "" bait and switch '' AmeriSave had to pay XXXX in 2014 for

Company:
 and they 've just gone back to their old ways. I will keep an update on what happens with this. My guess

State:
 they do n't get back to me until after lunch at which point I have to go into work and wo n't be able to work it out until tomorrow morning."


Product: promote efficiency in the banking system
Complaint_ID: Yes
Date_received:
THE FAIR CREDIT REPORTING ACT10. The FCRA was enacted by Congress to ensure fair and accurate credit reporting


Date_received: 14. In contrast to a "" soft '' pull of an individual 's consumer report
Product: which does notaffect the consumer 's credit score
Issue: XXXX XXXX
Subissue: XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) reconsideration denied
Consumer_narrative: XXXX
Complaint_ID: Yes
Subproduct:
 "" a 'hard pull ' involves accessing a credit report for thepurpose of issuing new credit or increasing the amount of existing credit. These inquiries can beXXXXseen by potential creditors and can impact a consumer 's credit score. '' XXXX


Date_received: 15. Thus
Subproduct: but it alsopromotes congressional intent of promoting a fair credit reporting system
Complaint_ID: Yes
Product:
 limiting access to consumer reports and prohibiting persons from obtainingconsumer reports without a permissible purpose not only promotes consumer privacy


Subproduct: Zakheim Law Group, P.A.
Issue: FL
Subissue: 333XX
Company_public_response: Consent provided
Company: Web
State: 09/30/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
25. Defendant violated 15 U.S.C. 1681b ( f ) ( 1 ) by using or obtaining a consumerreport for any purpose unless the consumer report is obtained for a purpose for which theconsumer report is authorized to be furnished.."


Date_received: 05/14/2016
Product: Credit card
Issue: Transaction issue
Company: Amex
State: CA
ZIP_code: 951XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently opened an Amex Gold card and went through the general process of application to receiving the card no problem. I then had a few transactions in the city of of residency for very low amounts and found out that my card ended up not being able to swipe on the third or fourth transaction. I called in to inquire why and was told that they could not give me more information because they would contact me on the number on file for security reasons and also told me that they had given me a call. Both of these things I 'm certain did n't happen so I went online and checked my number and it was correct. Amex had me open a new line then failed to provide reasonable stated services and blocked my account. Now when I call in, the wait times on their fraud department is over XXXX minutes ( still on hold right now waiting for a representative ). I will fail to receive my early spend bonus if they keep me blocked.


Date_received: 05/02/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs
Company: Nationstar Mortgage
State: CA
ZIP_code: 912XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Mortgage company has filed a trustee sale against my property while a lawsuit against them is filed. For the past 2 years I have tried to reach an agreement and resolve our differences with this company, and one option was to modify the loan, and for about a year their employees kept losing the paperwork that was being submitted to them, I kept re-sending them the same papers 2 or 3 times and still they would deny the modification stating that I did n't submit all the requested documents. I got fed up hired a law firm, they filed a lawsuit against them, because this company uses Robo-Signers, this means they used a random name as the person who signed the assignment of the deed, the signer does n't even work for the company, but on the document that person is appearing as the vice president of the bank. They use forged signatures to foreclose on homes. During the lawsuit process, the staff from the law firm were finally able to reach the bank, and receive a modification to which bank was not willing to disclose the terms. They stated that I must pass a trial period, which means I have to make 3 payments for the amount they stated, after that they will provide the terms of the modification. I did make those trial payments, and after they sent me terms that were completely unacceptable. I made several attempts to reach them, in order to discuss the terms, prior to signing or agreeing to anything, I was not able to reach anyone. I left 4 messages within 15 days, and did not receive any call backs. I did however receive 3 calls from the bank, when I picked up it was a machine stating that I need to call the bank regarding default payments. I would call them right back, and again be transferred to a machine where again I had to leave a message, and no calls were returned. I even sent email to have someone call me back, even my attorney tried to get hold of someone and failed. Now a court date has been scheduled for XXXX XXXX, and bank decided to set up a trustee sale 3 days prior to the court date, for XXXX XXXX, while a lawsuit is still pending. I need to stop the trustee sale until the lawsuit is over. Bank is trying to foreclose on my house without any proper documentation, actually even worse, with forged documentation. I need this to be stopped.


Product: so when the check card is used and the funds are not available
Complaint_ID: Yes
Date_received:
Over time from then until now, I have been in contact with the Branch Manager, XXXX XXXX, on many occasions to request assistance with helping my account not get NSF charges. I have contacted XXXX by email, and still have all of these emails, if necessary. Today, again after my account has received NSF fees, I contacted XXXX again. She then proceeds to tell me that there is an " OPT OUT '' option


Date_received: My complaint is
Product: that I have contacted XXXX on XXXX/XXXX/XXXX
Subproduct: XXXX/XXXX/XXXX
Issue: XXXX
Consumer_narrative: due to unemployment
Company_public_response: again
Company: on several different occasions and it was NOT until "" Today ''
Complaint_ID: Yes
Subissue:
 XXXX/XXXX/XXXX as well as numerous phone calls. I have explained to XXXX that we were experiencing a financial hardship


Date_received: From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Tuesday
Product: XXXX XXXX
Subproduct: XXXX XXXX XXXX XXXX XXXXXXXXXXXX Tue
Issue: XXXX XXXX
Subissue: XXXX at XXXX To : "" XXXX
Consumer_narrative: XXXX XXXX XXXXXXXXXXXX XXXX Can you tell me how I can close this account? In the mean time
Company_public_response: please "" OPT OUT '' my account immediately XXXX
Company: XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX Tue
State: XXXX XXXX
Complaint_ID: Yes
ZIP_code:
 XXXX at XXXX PM To : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX I can email you a form that needs to be signed can you print


Product: our records indicate that an account in your name individually reflects an opt out election
Complaint_ID: Yes
Date_received:
Your complaint alleges you were not aware of the ability to opt out of overdraft consideration ; however

Subproduct:
 advising the Bank not to consider paying items into overdraft ; this election was executed on XXXX XXXX


Product: why would she be offering to send me the form to sign."
Issue: Whitney Bank
Subissue: MS
Consumer_narrative: 394XX
Company: Consent provided
State: Web
ZIP_code: 05/14/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
My dispute is that if I actually ever signed the form agreeing to "" Opt Out '' and the bank had a record of this


Date_received: 06/26/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: NY
ZIP_code: 113XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you


Date_received: 06/27/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Harris & Harris, Ltd.
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been recieving numerous calls from a company claiming that I owe a debt. When I attempted to find out what I owed for, they refused to tell me and attempted to get my personal information which I refused to give them.


Date_received: 06/21/2016
Product: Credit card
Issue: Other fee
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Bank of America
ZIP_code: OR
Submitted_via: 970XX
Date_sent_to_company: Older American
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 06/30/2016
Complaint_ID: Closed with monetary relief
Consumer_narrative:
I purchased a secondary market gift card at a XXXX % discount from XXXX XXXX XXXX. They charged my Amex card through XXXX for the amount - {$25.00}. XXXX then issued a separate charge of {$10.00} for " cash equivalent - transaction fee '' This amounts to XXXX %

Company_public_response:
 no notice and vague definitions do not even get close to this type of transaction. I have been buying gift cards for years from various vendors and have never encountered or been aware of this a fee. I feel scammed and the fact that there is no notice and the high percentage should not be allowed."


Date_received: 05/15/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Company: Gulf Coast Collection Bureau, Inc.
State: FL
ZIP_code: 342XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I use to be a patient if XXXX whom is claiming I owe them {$510.00} after there office was closed down they put it on my credit as gulfcoast XXXX and I keep disputing I called the office manager at XXXX XXXX because never did I owe them this or the dr would not of seen me I had Medicare and Medicaid always paid my copy 's when I went in to my visits and I think someone internal is committing fraud I never even received a phone call or letter from them for this


Complaint_ID: Yes
Date_received:
First of all I sent XXXX and Chase photos of the mangled wedges on the splitter. These photos do not show paint missing and scratching. Secondly

Product:
 it is ludicrous to state that the splitter was used a lot when I only had the splitter for a very short time. Lastly


Complaint_ID: Yes
Date_received:
The XXXX/XXXX/XXXX Chase decision was perhaps the most infuriating to me. Although there is a 60 day time period to resolve the dispute

Product:
 I was only informed by Chase to submit a response with a second opinion from a reliable merchant on the 54th day ( XXXX/XXXX/XXXX ) of the 60 day cycle. On XXXX/XXXX/XXXX I called XXXX XXXX immediately and told him of my dilemma of getting my response to him by XXXX/XXXX/XXXX. He just told me to do the best I could. I provided all of the requested information to Chase by fax between XX/XX/XXXX and XXXX/XXXX/XXXX. By the way


Complaint_ID: Yes
Date_received:
I am requesting that Chase review my case. You have all the documentation and access to our recorded conversations which you state are for quality review. If you are serious about quality review and treating your customers fairly


Issue: JPMorgan Chase & Co.
Subissue: NY
Consumer_narrative: 127XX
Company: Consent provided
State: Web
ZIP_code: 05/14/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
I want you to know that I am a senior citizen living on a fixed income and this major purchase has been very upsetting to me. I do n't believe that Chase provided me the credit card protection that I was entitled to. If you need any further information

Product:
 I would be happy to provide. I am trying to resolve this matter directly and honestly with you before pursuing other options. Thank you."


Date_received: 06/26/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: NY
ZIP_code: 113XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 311 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possibile. Thank you


Date_received: 09/15/2015
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Zakheim Law Group, P.A.
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 09/28/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Back in XX/XX/XXXX my wages was garnished for a credit card debt that I had no knowledge of. I did not know about the debt until my wages was garnished. At the time of garnishment my employer gave me the contact information for the debt collector. I disputed the debt XXXX XXXX, XXXX. The garnishment was dismissed. Now, on XXXX XXXX, XXXX a motion to continue writ was filed by another firm. I did not receive a letter from them, XXXX XXXX XXXX, XXXX. until XXXX XXXX. I again filed a motion to stop the garnishment and also filed an exemption due to me being the head of my household. The debt does not belong to me and in addition to that they failed to respond to my dispute as required by the FDCPA. The debt also seem to be time barred because the case is from XX/XX/XXXX and I can only imagine the date that the account was opened or the last time they receive a payment from the person who the account belong to. The is company is violation FDCPA for trying to collect on time barred debt and for not responding to my dispute within the required time frame.


Date_received: 06/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: AR
ZIP_code: 721XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Trans Union has negative information listed on my credit report for XXXX XXXX, and XXXX XXXX which is false. I do not owe these companies any money. I have disputed these accounts, but Trans Union has not removed them. Trans Union lost a class action lawsuit because they were reporting false information on consumer 's credit reports. Why are they still being allowed to do this? I want these lies removed from my credit report.


Product: Monday
Subproduct: XXXX XXXX
Issue: 2016. XXXX said she would follow up with a call to me on Wednesday
Subissue: XXXX XXXX
Consumer_narrative: 2016. If I do not hear from her by XXXX
Company: Company believes it acted appropriately as authorized by contract or law
State: Credit Management Control, Inc.
ZIP_code: TX
Submitted_via: 752XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 06/27/2016
Complaint_ID: Closed
Date_received:
I proceeded to call "" XXXX XXXX '' directly and spoke with a Customer Service Rep. named XXXX. She stated that she also could not help me because there is no signature on a contract. She stated that someone called in and set up service over the phone. I reminded her that she had just informed me that ALL calls are recorded. I demanded a copy of the recorded phone call were someone called in and said they were me. She said she could not provide this. How is it "" XXXX '' wants me to prove that I did n't make the call but "" XXXX '' WO N'T prove that I did? I am filing a police report for identity theft TODAY

Company_public_response:
 I am turning this whole matter over to an attorney and filing for damages and time lost from work. This has gone on for far too long and it is a complete violation of my rights."


Date_received: 05/15/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company: JPMorgan Chase & Co.
State: FL
ZIP_code: 334XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In accordance with the XXXX XXXX Settlement, I believe Chase had to settle the second mortgage on the property so wrote it off in order to foreclosure on the Washington Mutual Bank FA mortgage. If you look at the documents I will provide, it went into collections in XXXX and then in XXXX after it was written off, JPMChase removed almost $ XXXX from my checking account. It has taken me years to the get the accounting for this account and as you can see, there is no credit for the $ XXXX. Where did my money go?


Date_received: 03/31/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: The J. G. Wentworth Company
State: PR
ZIP_code: 009XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
JGWenthworth is holding my escrow funds indefinitely and not paying me interest on my funds. I already paid off my loan. Furthermore, they stole {$30.00} as a last bite out of my escrow after I paid off my loan. I believe JGWentworth is violating Federal Mortgage Housing Lending regulations. They are disgracing US service men who are serving or have served their country.


Subproduct: JPMorgan Chase & Co.
Issue: CO
Subissue: 804XX
Company_public_response: Consent provided
Company: Web
State: 05/14/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
XXXX XXXX MA XX/XX/XXXX {$190.00} I contacted the card issuer, Chase Bank, and reported the fraudulent transaction.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: TX
Subissue: 752XX
Company_public_response: Consent provided
Company: Web
State: 06/26/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Ditech Financial LLC
Issue: NV
Subissue: 891XX
Company_public_response: Consent provided
Company: Web
State: 06/07/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Ditech financial 's customer service representatives admitted that they show all of the bankruptcy paperwork on file, but they have told me that they will continue to collect on the debt because the account is open and active. I talked to the trustee in charge of the foreclosure process on behalf of Ditech. Ditech is attempting to foreclose on the home that we no longer own and of which the debt I 'm no longer responsible for. The trustee sent me an email telling me that they know we surrendered the home through bankruptcy and she told me that I should escalate this to a Ditech supervisor because Ditech may be reporting this debt as a foreclosure instead as a surrender in error. I called Ditech back to speak with a supervisor who told me that she can not do anything about it and that I have to send a letter to their correspondence department with my issue proving that they are making an error. This is after the Ditech people admitted to having the bankruptcy information on file and admitting that they have never followed up with my calls when I have called to have this reviewed on their end. Ditech representatives admitted that the account is still active and that they are actively seeking to collect on the debt.


Date_received: 05/14/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: LA
ZIP_code: 703XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
my parents are both deceased. they left house behind and the house still has a mortgage. my XXXX sisters were living in the house and were not paying the mortgage. I called Ocwen after my XXXX sisters moved out the house. I was advised by Ocwen that if I paid the back notes the mortgage monthly note would still be {$480.00}. Ocwen advised me to file for a loan modification and while waiting for a decision from the loan modification I did n't have to pay the monthly note. They would add the months to the mortgage end date. I was denied three times. Each time Ocwen kept telling me to apply again. Well, XXXX months went by and me and my family are living in the house. So Ocwen offers me a re-payment plan two days before the Sheriff sale. Of course I adhered to the offer. Heres the offer : {$7000.00} down payment and 11 payments of {$1500.00} and then everything would be caught up and the note would go back to {$480.00} per month. Now Ocwen is claiming that I owe them {$2700.00} in fees and other cost .... and the new monthly note is {$1200.00} Ocwen are scam artist. Please advise me of what to do.


Subproduct: when your equity reaches XXXX % )
Complaint_ID: Yes
Date_received:
I have paid extra every month to bring the LTV ratio down to XXXX % so I can get ride of my PMI. MY LTV ratio since XXXX XXXX, XXXX is below XXXX %, however the chase bank is refusing to wave the PMI and insisting on me paying Chase ( {$110.00} ) to do a broker price opinion ( BPO ) of my property. I told them why should I pay them extra to the XXXX when clearly Home Owners protection act indicates that there should be automatic PMI termination : " In accordance with the Homeowners Protection Act

Product:
 your lender must terminate PMI on the date your loan balance is scheduled to reach XXXX % of the original value of your home ( in other words

Issue:
 provided you are current on your mortgage payments '' My property at the time of mortgage valued more than what I borrowed from

Subissue:
 I clearly followed the bank rules indicating that PMI should be terminated when the LTV ratio is at XXXX %


Date_received: 06/27/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: a note holder and owner of the loan are not the same thing. In fact
State: provide the owner of the original loan number
Submitted_via: and the SPS account number is XXXX. Thank you."
Date_sent_to_company: Company believes it acted appropriately as authorized by contract or law
Company_response: Select Portfolio Servicing, Inc
Timely_response: NJ
Consumer_disputed: 074XX
Consumer_narrative:
Select Portfolio Servicing, Inc. ( SPS ) has falsely responded to our request to provide an ORIGINAL Power of Attorney ( as required in our state of XXXX ), to accompany SPS 's invalid discharge and assignment recorded in our County in XXXX XXXX. We have requested this information, and document, through prior Qualified Written Requests sent to the CFPB and to SPS. Attached is email received from SPS and Power of Attorney ( POA ) sent to us. First, the POA is not original ( is from a filing in XXXX ). Second, the POA is granted to XXXX XXXX XXXX - which no longer exists ( date of the invalid POA is XX/XX/XXXX ). Moreover, we have repeatedly asked SPS, through Qualified Written Requests, to identify the name of the OWNER of the loan at the time SPS received our payoff check on XXXX XXXX, XXXX. SPS has not responded to our Qualified Written Requests, and continues to instead provide responses as to a " note holder ''. As the CFPB is aware

Company:
 SPS account number does not match our original loan number. We request that SPS provide a valid original power of attorney

ZIP_code:
 and provide the owner of the SPS account number. These loan/account numbers must match any original provided Power of Attorney to be filed in our County. The original loan number is XXXX ( see attached )


Date_received: 09/01/2015
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Zakheim Law Group, P.A.
State: VA
ZIP_code: 234XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 09/18/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX refuses to send me statements for what is owed, they purchased the dept from sears financial. The dept was incurred when we purchased an over priced air conditioning system for the house seven years ago. When I have called and asked for statements I am told I have to sign up for and automatic payment plan. They do not call and do not communicate by mail.


Date_received: 05/14/2016
Product: Credit card
Issue: Billing disputes
Company: Amex
State: CA
ZIP_code: 910XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
American Express XXXX failed to issue a credit from the XXXX XXXX, CA for {$34.00}. American Express opened a Dispute and promised a resolution within 72 hours. It has been over one week and the credit has not been posted to my account even though I downloaded the XXXX statement with the credit adjustment.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: CA
Subissue: 930XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 06/26/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
But they did not, and are insulting and abusive when I call to clear this up. From their nasty behavior I conclude they know they are pursuing this false claim deliberately, and I want them prosecuted to the fullest extent of the law.


Subproduct: PayPal Holdings, Inc.
Issue: VA
Subissue: 201XX
Company_public_response: Consent provided
Company: Web
State: 05/14/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I would appreciate any assistance in this matter. I simply would like to return the damaged and non-conforming items to the seller for a full refund, including the seller paying for return shipping costs. Thank you very much for your time, and for providing this service to consumers.


Date_received: 05/05/2016
Product: Credit card
Issue: Billing disputes
Complaint_ID: Yes
Consumer_narrative:
I was the victim of a home repair scam across state lines related to my home in XXXX, I live in XXXX. The company advertised an amazing deal for certain services and I gave them my credit card number so they could charge me when they completed the job. Instead they ran up my card over {$1400.00}. Double what I originally discussed with them and all of it despite not having finished a single project. All they did was send me ONE " before '' picture with them supposedly working and XXXX update of XXXX wall being partially painted. When I saw the charges I disputed them. XXXX responded by forging my signature on invoices and submitted to Citibank - they claim I was present at the time of sale to sign off on the work. This made Citibank say that my dispute was regarding the "" QUALITY '' of the work done. There was not enough/NO work done to dispute the QUALITY. I submitted over XXXX pages of documentation to support my claim including : Proof of forgery of my signature including a police report


Complaint_ID: Yes
Date_received:
Proof that we could not have been at the property at the time of sale ( as the merchant alleges ) because medical and employment records have me and my mother in XXXX Communications from XXXX themselves that they could not complete the job because of personal problems


Complaint_ID: Yes
Date_received:
XXXX and Realtor documents showing the home was pulled off the market for "" repairs '' and kept off the market for an extended period of time


Product: not once but TWICE Citibank has responded that the charges were "" valid '' .... No
Subissue: despite common sense and a preponderance of evidence."
Consumer_narrative: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company_public_response: Citibank
Company: IN
State: 462XX
Submitted_via: Consent provided
Date_sent_to_company: Web
Company_response: 05/05/2016
Timely_response: Closed with monetary relief
Consumer_disputed: Yes
Complaint_ID: No
Date_received:
I have phone recordings of Citibank Dispute personnel telling me I had one of the best documented cases of unauthorized billing they had ever seen. One Supervisor even gave me her personal email so I could send her my documentation directly vs. responding to disputes @ citi email. Yet

Subproduct:
 they were not! Forgery is not valid. Charging more and more often than authorized is not valid. Starting a job just enough to take a picture and convince me that work is being done and then NEVER ACTUALLY DOING IT is not "" valid ''. This is not about the QUALITY of work

Issue:
 there is no completed work to judge the quality of. Citibank is protecting its interests in ruling the way it did


Date_received: 06/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: VA
ZIP_code: 223XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/13/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
A mortgage lender erroneously reported late payments on XXXX account for over 16 months. Once the issue was resolved and I received the mortgage lender letter stating they were at fault and were going to take steps to rectify the misreporting, I contacted the credit reporting companies to verify it was resolved, and XXXX of them still had incorrect information. I began separate disputes with XXXX credit reporting agencies, XXXX of hem being Experian. The first dispute with Experian was opened on XXXX XXXX, 2016 and I received a completion notification on XXXX XXXX, 2016. The credit report still contained the same errors, so I called Experian to ask what additional information I could provide to rectify this. Experian call center staff said no additional information was needed, and they were just going to open a second dispute to correct my credit report. A second dispute was opened on XXXX XXXX, 2016 and completed on XXXX XXXX, 2016. The late payments still show on my credit report after the second dispute was finalized.


Date_received: 05/14/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 923XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have VA XXXX direct deposited at my chase account. These derelicts in their levy dept. are NOT competent lawyers incompetent with all state and federal laws involved. These derelicts are required to protect my federal benefits from harassment, malice intent, any ambiguity abuse or riddles are inconsistent with federal laws and treasury dept. regulations. XX/XX/XXXX federal XXXX veterans act. XXXX no county welfare XXXX can preempt federal laws to ambiguous minnesota state laws. Prime example, minnesota law on garnishments exempts veterans benefits. IMAGINE THAT?! # These derelict idiotic desk clerks paid to lie cheat, manipulate minnesota law at any cost to collect phony is irrefutable!!!!! I have been dealing with these XXXX since XX/XX/XXXX, Their clumsy abuse and deceit was thrown out by THE Minnesota state court of appeals XX/XX/XXXX MY APPEAL!!!!!!! I NEVER OWED ANY PHONY {$8000.00} IN ARREARAGES FOR ANY CHILD SUPPORT. DOES N'T EXIST, MY KIDS ARE GROWN, ALL CHILD SUPPORT PAYMENTS ARE [ PAID-OFF ]. This court ordered agreement I am in now is to pay back my ex-wifes welfare which is a SPECIOUS JUDGEMENT PROCURED BY FRAUD, RECKLESS ABUSE OF AUTHORITY BY A CONTRACTED WELFARE JUDGE XX/XX/XXXX. Rule 54 mn civil procedure violated blundered with obscurity, vague and unconstitutional. Regardless my poverty VA compensation at {$910.00} barely survivable, barely pay my rent of {$700.00} plus gas and electric. Chase is mandated to protect this NOT get stupid make excuses. NOBODY competent handling this!!!!!! OBVIOUSLY protected benefits, NOT open for incompetent interpretations AMBIGUITY RIDDLES!!!!!!!!!!!!!!!!!!!!!


Date_received: 05/08/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Company: AES/PHEAA
State: MA
ZIP_code: 016XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
About XXXX years ago I attended a trade school which was called XXXX at the time ( very loosely affiliated with XXXX University, a very reputable university located in XXXX, MA ). This XXXX changed names until it closed permanently and suddenly under the name XXXX XXXX XXXX in XXXX 2013. The amount of the total fees were not disclosed to me but the only way I was told I could pay for it was a private loan from XXXX XXXX. I had to drop out of the program near the completion date due to the fact that XXXX XXXX refused to loan me any more money ( which was {$45000.00} when the loans were first taken out ) but later obtained the XXXX due to transferring in a university class. Unfortunately, the XXXX was useless in obtaining work so I had to attend XXXX classes through a XXXX university and put the private loan in deferment for a period of several years because I could not afford the roughly {$500.00} payments when the loan became due, I was only able to start making regular ( but reduced payments due to my income ) payments once I received my XXXX, which was financed by SEPARATE federal loans. The loan has been consolidated and changed servicers twice in the last 8 years, and now it is nearly {$80000.00} and I am paying a for a useless education from a school that no longer exists. Please explain how a loan can nearly double in less than 10 years? Help!


Subproduct: Santander Consumer USA Holdings Inc
Issue: MD
Subissue: 206XX
Company_public_response: Consent provided
Company: Web
State: 05/14/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I was at the dealership alone and can not help but think that maybe my sex and race played a factor in being given an unfair and very high loan amount. I am an XXXX woman and a military veteran. In the past, I have been given discounts at dealerships when leasing vehicles on account of being a military veteran and XXXX at the time of purchase while showing pay stubs of {$42000.00} gross income. Today those past, good car buying experiences were overshadowed by unfair lending practices exhibited by Chrysler Capital. It was embarrassing and I am unsure of how to turn in my current vehicle to obtain a new lease when the lease is up on this vehicle without experiencing unfair lending practices.


Date_received: 09/01/2015
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Zakheim Law Group, P.A.
State: FL
ZIP_code: 320XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 09/08/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX a garnishment in the amount of {$2500.00} was placed on my checking account by Zakheim & Lavrar XXXX XXXX, Florida for a debt owed to XXXX Bank. Zakheim & Lavrar claims to have sent XXXX documents to my residence warning me of an impending garnishment. We received neither of these letters. If we did we would have immediately paid off the debt. We were n't made aware of the garnishment until after we tried using our debit card and it was declined. After contacting the bank and learning where the garnishment was from we immediately drew a tellers check for the amount owed and mailed it. Zakheim and Lavrar received the check on XXXX XXXX. We asked when the hold would be released and they said between 7-10 business days. After 10 days we checked and the hold was still on our account. We contacted them and they informed us that they mailed out a Dissolved Writ of Garnishment to the court and our bank on the XXXX. We waited 5 days and the hold was still on. We contacted them again and they stated that they had mailed the Writ on the XXXX, and again that day, the XXXX. After contacting both our bank and the court today we learned that neither have received any documents regarding our case. The court informed us that the document needs to be sent via XXXX, the way the original documents to place the hold were sent, and to date, they have received nothing from Zakheim and Lavrar. We feel that we are being directly lied to by Zakheim and Lavrar and they are doing nothing to resolve our issue. From the beginning they have been giving us erroneous information.


Date_received: 06/14/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Servis One, Inc.
State: CA
ZIP_code: 928XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have overnighted on my account a cashiers check for XXXX I also listed instructions on how it should be applied and the fees I am disputing due the incompetence of BSI. They were charging fees with no explanation. Claiming I owed XXXX which I did not and my account should be fully reinstated which it is not as well as of yet. The check was signed for on XXXX/XXXX/16 and I requested my SPOC XXXX XXXX contact me and he has not. There should be XXXX lawyer fees as I appealed the loan mod denial and they claimed I did not and illegally filed a NOD violating CHBOR. Stated I had excessive obligations yet I was able to pay this did not offer any other options and were not thorough on how they are handling things. These violations have been taken to attorney. BSI is illegally handling loans and I have been proving it. Everything is also now being sent to FDIC as well as copies of cashiers checks to XXXX whom they claim I owed nonsense money too. XXXX actually owes me for excessive forced place insurance which was proven in lawsuit already. BSI needs to rescind the NOD immediately and have yet to do so. I am attaching copies of check and letter.


Issue: XXXX XXXX
Company: CFPB and the NYS Banking Division
State: Mortgage Department. After this they assigned a single point of contact
Complaint_ID: Yes
Date_received:
Single Point of Contact : Caliber was provided with a letter that Beneficial sent on XXXX XXXX, XXXX that stated our home loan was 30 days in default and they were required by New York State Law to provide the letter because as they stated we were " at risk of losing '' our home. When Caliber took over the servicing of our loan on XXXX XXXX

Product:
 XXXX we immediately phoned customer service to clear up the errors created by XXXX as not only were we not behind in payments

Subproduct:
 we were well ahead. The customer service department on more than one occasion told us that the XXXX records were difficult to sort out. We continued to call. No single point of contact was assigned as required by NYS Law. We did not receive statements from Caliber of our account in XXXX XXXX

Subissue:
 XXXX XXXX and XXXX XXXX. We did not get any assistance from calling the customer service number. On XXXX XXXX

Consumer_narrative:
 XXXX I spoke with Shaniqua ( agent # XXXX ) in customer service. After that conversation we faxed copies of bank checks along with additional supporting information on XXXX XXXX

Company_public_response:
 XXXX at XXXX. We have the fax confirmation. So XXXX records of our first complaint coming in XXXX XXXX are incorrect. We were making complaints and calling customer service all along and no single point of contact was assigned as required by law. XXXX response was to simply send us a record of our payments from XXXX XXXX forward. Because we were not getting anywhere with Caliber 's customer service we filed complaints with the NYS Attorney General 's Office


Complaint_ID: Yes
Date_received:
At no time did XXXX XXXX respond to our requests for assistance. No research of our account was completed by XXXX XXXX. It was n't until XXXX XXXX of XXXX revealed the agreement they had with Caliber and requested we send her a copy of the letter we received from Caliber directing us back to XXXX did something start to happen. XXXX informed us that our new single point of contact would be XXXX XXXX


Product: XXXX
Subproduct: XXXX
Complaint_ID: Yes
Date_received:
Caliber has sent us a payment history generated by XXXX. They stated that "" it is our practice to work to resolve any disputes or issues on a loan with the prior servicer on your behalf. '' We would like to have the history explained to us including : Bucket XXXX


Date_received: An explanation as to why they stated in letters of XXXX XXXX
Product: XXXX
Subproduct: XXXX XXXX
Issue: XXXX
Subissue: XXXX XXXX
Consumer_narrative: XXXX ( 2 letters )
Company_public_response: and XXXX XXXX
Submitted_via: Caliber Home Loans, Inc
Date_sent_to_company: NY
Company_response: 125XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Company:
 XXXX that "" Please be advised Caliber is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed

State:
 you should contact your prior servicer directly '' when they are now saying they will do the research with the prior servicer on our behalf."


Date_received: 06/22/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ECMC Group, Inc.
ZIP_code: NY
Submitted_via: 130XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 06/23/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
My student loans were part of a chapter XXXX bankruptcy that was discharged in 2014. Initially, the amount outstanding claimed was {$1700.00}. Soon after, Educational Credit Management Corp. added approximately {$8000.00} to the balance for " fees ''. It is my knowledge and belief that this is illegal

Company_public_response:
 as I understand that the CFPB has enforced proper sanctions in similar situations. My loans are 30 years past due. I never was able to obtain employment as a result of my education. I am unemployed now. When I attended school my program that I was enrolled in was terminated by the school so that I could not receive a degree in that program. I will be applying for dismissal/forgiveness of my loans through proper channels. I ask that the board act on this complaint to resolve the immediate issue of improper debt collection practices asap. I also request suspension of debt collection activity as well. In addition I request that my tax refund offset of {$1300.00} be sent to me from this debt collector which it has recently collected from the IRS."


Date_received: 04/28/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: National Credit Systems,Inc.
State: KY
ZIP_code: 401XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I did not receive notice of debt from the primary party upon moving from my apartment. My credit report was pulled and it showed as a derogatory amount owed to a collection company. I reached out to the primary party with concerns as to why this was reported, and why I owed them, they stated it was from minor cleaning, and carpet shampooing when I moved, and stated they were no longer able to assist with clearing it to contact NCS. I contacted NCS several times and was told that if the primary party requested it to be deleted they would do so. The primary party then contacted them and asked for it to be deleted and they are refusing to do so. One customer service rep. Stated that I should just pay it and let the {$0.00} balance be reflected on my credit report, he went on to state that even if the primary party asked for it to be deleted, they will not do so because they filed it with the collection agency. I have been yelled at, hung up on, and received unethical advice from this collections agency. I was not greeted or spoke to in a calm and professional matter. I did not receive the ability to resolve the debt in a fair & professional way.


Date_received: 05/14/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: MN
ZIP_code: 553XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax cc cfpb Good morning Equifax and The cfpb I want to first start off and express My feeling and Point of View about the Reporting agency. I have asked Equifax since XXXX 2016 of this year.. via certifed mail and which I have in many disputes via the cfpb website. You have yet to comply with any of my request. Equifax I 'm fully aware that you are not for the consumer at all. I mean The banks pay you people to report consumer 's information. But there are federal laws In place to protect people Like me.. But After carefully reviewing my credit report I noticed Equifax said that THEY Have investigated the barlcaycard account in almost every dispute. what i want to ask equifax how could you have verified the account was mine because on your credit reported the account number is not even MINE I placed a called to XXXX XXXX and they confirmed that there is no account in my name MATCHING THAT ACCOUNT NUMBER Equifax this is so iMportant as to why the governement allow consumer 's to have the right to asked for the original sign document because of this type stuff. god forbid if i had to buy a automobile or house and got a higher rate because of your reporting of negitive info. i also called your company yesterday and ask the rep at equifax to verify the account that you are reporting and she confimed the account number FOR WHICH YOU ARE REPORTING. so i asked you if you could please stop lying to me and the cfpb that you have verify the account and I know you have n't if you did you would have found out that this account is not mine ... I asked you to please remove the XXXX account ALONG WITH THE CLOSED XXXX AND THE CLOSED ONEMAIN ACCOUNT punto from my credit file. and yes XXXX is A S A P IN LAYMAN TERMS.. You should be ashmed of yourself for doing hard working people like this. I KNOW YOU DO NOT HAVE THE ORGINAL DOCUMENTS THAT I BEEN ASKING FOR SINCE XXXX 2016. IF YOU DID YOU WOULD HAVE SENT THEM TO ME BY NOW. AND YOU ARE WAY OVER YOUR 30 DAYS THAT THE FEDERAL GOVERNMENT ALL YOU TO INVESTIGATE DISPUTE. PLEASE REMOVE THE ACCOUNTS THAT I HAVE ASKED YOU TO DO SINCE XX/XX/XXXX. I WILL NOT EXPECT ANYTHING FROM THE ORGINAL CREDITOR ON YOUR BEHALF ...


Subproduct: Seterus, Inc.
Issue: CO
Subissue: 808XX
Company_public_response: Consent provided
Company: Web
State: 05/14/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Seterus offered me a modification, I made the trial payments, and tried to continue paying, but they rejected those payments telling me I had to wait for the paperwork. My next contact was from the county telling me my house was going to foreclosure sale.


Date_received: 05/15/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Santander Consumer USA Holdings Inc
State: TN
ZIP_code: 379XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I took out a loan with Santander USA on XXXX/XXXX/XXXX. I bought a XXXX Nissan Sentra through XXXX in XXXX TN. Since the very beginning of this loan, they have constantly stated the note is always past due. See my photo of the due date of my first payment ( XXXX XXXX, XXXX ). I was informed that I would never catch up because since my first payment was 45 days past the purchase date, I was already being charged over {$670.00} in finance charges. This is a total scam. Nothing they ever say makes any sense. I have made extra payments, made extra bulk payments and been harrassed about the car being repossessed. My rate is 24.99 %. When I bought the car, I was told I could refinance the vehicle in six months after on time payments. That was a lie. Santander does not refinance anything. I have paid close to {$30000.00} for this car that currently has a book value of {$4500.00} and I still owe over {$16000.00} on this car. Every month, they charge me a late fee but my payment is not late. Every month they also charge me an over a thousand dollars in late fees and interest. This is a simple interest loan which I did not know nor understand what that was and was never explained to me. I still do n't really understand how this XXXX XXXX company can legally charge me triple interest and late fees every single month.


Subproduct: Equifax
Issue: TX
Subissue: 752XX
Company_public_response: Consent provided
Company: Web
State: 05/16/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX WE Apr XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing


Date_received: 06/21/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company_public_response: Company disputes the facts presented in the complaint
Company: Nationwide Debt Management Solutions, LLC
State: OH
ZIP_code: 458XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
Called me at work telling me that i would be served at my place of employment with court papers. That they had sent me prior information via XXXX mail, which i never received and told me I had 1 hour to contact them back or it was too late


Date_received: 04/05/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company: Speedy Cash Holdings
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX a collection agency trying to collect a debt for XXXX who I had filed chapter XXXX bankruptcy on in XXXX 2014, that debt was XXXX on XXXX 2014. Both company knowingly it was XXXX and can not be collected but still trying to do so. XXXX XXXX XXXX illegally reported incorrect information on my credit report and damaged it. They have violated chapter XXXX XXXX bankruptcy code. They need to remove the collection off my credit report immediately. Thank you


Date_received: 06/28/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Specialized Loan Servicing LLC
State: NY
ZIP_code: 109XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Since XXXX I have made more than the payment amount, but it has not been added to the outstanding principal as requested. Instead the mortgage companies push back the payment date which allows the outstanding balance to accrue interest. Which keeps my balance high.


Date_received: 05/15/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: MN
ZIP_code: 553XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
FYI I will not except anything pretending to The FCRA 609 IN WHICH I been asking for since XXXX 2016 When I first ask for the information. You have lied stating that you did n't know what I was disputing using the FCRA 609 I mean It 's plan and simply to understand. to You have verify the accounts involved in this case.. You also claimed that verified account 's and One of the accounts involve is not even my account.. So I asked you to remove the XXXX items that I have asked you to asap You have gone as far as to contact the credit to ask them to send the info. The law DO NOT SAY THAT THE CREDITORS HAVE TO SEND IT. IT CLEARLY STATES THE REPORTING AGENCIES YOU REPORT AND THAT WOULD CERTAINLY BE YOU. ONCE AGAIN I WILL NOT EXCEPT ANYTHING FURTHER SO PLEASE REMOVE THE LISTED ACCOUNTS XXXX closed account XXXX closed XXXX XXXX Thanks Equifax


Date_received: 06/27/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: MI
ZIP_code: 495XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Transunion 's credit report is filled with false information which has damaged my credit score. Per their instruction via telephone, on XXXX XXXX, 2016, I mailed them a letter stating the corrections that needed to be made and attached proof of my identity.They had told me that they would contact the creditors and have the problem fixed within 5 to 7 days. I continued to receive credit reports that carried the false information so I contacted them again by phone today, XXXX XXXX, 2016. A supervisor, XXXX, told me that they only contacted the creditors 9 days ago! Due to my false lousy credit score, my home insurance policy premium was raised. My husband and I applied for a small ( {$5000.00} ) line of equity and could not be approved due to my score. The other XXXX credit bureaus show none of the false information that is on my Transunion report. Unfortunately, this is the company everyone refers to and I ca n't get them to fix it.


Date_received: 06/15/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: we utilized the service to avoid a late rent payment. Much to our surprise
State: we received XXXX overdraft charges
ZIP_code: instead of the one we were expecting. In contacting the bank
Submitted_via: we were told they organize the transactions by size
Company_response: we were called "" irresponsible ''. After going through our records
Consumer_disputed: we have endured job loss
Consumer_narrative:
My Girlfriend and I signed up for XXXX checking accounts with Suntrust on XXXX XXXX, 2015. XXXX joint and XXXX individual. We were asked about overdraft protection. At first we said no, but the Representative insisted we get it stating that " we did not want our child stranded at the gas pump

Company_public_response:
 unable to purchase gas to get home ''. We reluctantly signed up for it understanding it was a "" service '' for a small fee. Recently

Date_sent_to_company:
 the largest first because it is likely to be the most important. After several minutes of protesting with the representative

Timely_response:
 they have been reordering our transactions since opening our accounts to maximize fees. After visiting a local branch we got the same song and dance about the reason they reorder our transactions. Our case has been escalated to the corporate level and we are prepared to sue. To date they have charged us over {$6600.00} in overdraft fees to date and put us in a cycle of debt that we can not overcome. In the past year

Complaint_ID:
 XXXX and now we find out Suntrust has been taking advantage of us the entire time. I 've done my research and the practice or reordering transactions is frowned upon by the FDIC and CFPB. Yet


Date_received: According to FDIC Overdraft Program Supervisory Guidance
Subproduct: check number
Issue: serial number sequence
Product:
 "" Transactions should be processed in a neutral order that avoids manipulating or structuring processing order to maximize customer overdraft and related fees. Examples of a neutral order include order received


Subproduct: institutions should not arrange the order of types of transactions ( i.e.
Subissue: "" We process the largest first as it is most likely the most important transaction
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: SunTrust Banks, Inc.
Submitted_via: FL
Date_sent_to_company: 322XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 06/17/2016
Date_received:
Re-ordering transactions to clear the highest item first is not considered neutral because this approach will tend to increase the number of overdraft fees. By contrast

Product:
 processing batches of transactions in a random order or order received is a neutral approach ; however

Issue:
 batches ) cleared in order to increase the number of overdrafts and maximize fees. '' Both you and the customer service agents we have talked to state

Consumer_narrative:
 i.e. mortgage payment ''. Your statements are in direct conflict with FDIC recommendations and are often wrong. Suntrust has no way of determining what the most important transaction is

Company_public_response:
 therefore the justification is unfounded. "" We are still waiting for a response from Suntrust Complaint department as to how they intend to handle their handling of our money. Nowhere on their site

Company:
 or our agreement does it state they process the order at their discretion. The agreement is intentionally vague to hide the fact that the participate in reordering transactions."


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Shellpoint Partners, LLC
Issue: NM
Subissue: 871XX
Company_public_response: Consent provided
Company: Web
State: 05/23/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: 06/17/2016
Date_received:
I was never told until XXXX months later when I got a call about being XXXX months behind. I paid the back months right there over the phone to make my account current. I did not know at the time that Shell point would report my account as delinquent for XXXX months. I went to purchase a commercial property when the loan offer told me I had credit issues that would prevent me from buying my business property for up to XXXX years. I never got a letter or a call from anyone telling me that I would have to do something about the debt because my account was sold. I never asked for my account to be sold. I was perfect and happy with XXXX. Now because my account was sold, my business will suffer for XXXX years. This is not my fault. I simple call telling me I had to do something with the direct debt would have prevented the issues. I called Shellpoint and they told me there is nothing they can do to fix my credit. They had no other explanation. This is just wrong. This big banks make money off taking my loan and then turn around and hurt me and think nothing about. How is it my fault. I called Shellpoint and asked them to remove the lates from my credit. I was told that they agree with me and are very sorry but they can not remove anything from the credit. They told me to write a letter. I wrote the letter and sent it on XXXXXXXX/16 explaining my issues As of XXXX I still have not had a single call or letter from shellpoint.


Date_received: 05/15/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: GM Financial
State: LA
ZIP_code: 701XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is also in regards to active case no. XXXX with your agency. My vehicle was repossessed on mothers Day of this year. It was repossessed illegally because I was unaware that it was in jeopardy of being repossessed and I was not sent a Notice of Intent to Repossess from the GM


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Threatened to take legal action
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Atlantic Credit & Finance, Inc.
State: TX
ZIP_code: 774XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Atlantic Credit and Finance called me today for a debt that belonged to my husband He said that account was due to go theie attorney. I advised him that he would need to speak with my husband and he insisted on continuing the discussion. I told him again to contact my husband and that I was at work. I also told him that this was not an opportune time to discuss and he still insisted on continuing the discussing. He told me it was best to talk to him before he 'd have to take legal action.


Complaint_ID: Yes
Date_received:
The Banks closing costs : Legal Fees {$590.00} Title Report {$250.00} Title Exam {$220.00} Coordination Fee {$200.00} Courier Fee {$25.00} Wire Fee {$50.00} Deed Prep {$75.00} {$590.00} Lender Attorney Fee - I requested an itemization of services and was told by the lenders attorney " Fees are not negotiable and are standard fees charged to all buyers for these transactions. We do not provide detailed invoices. '' Not only could I not have an explanation


Product: per the bank attorney
Complaint_ID: Yes
Date_received:
Title Report {$250.00} - I 'm not purchasing title insurance from them. This is a report for the lender. I asked for a copy of the report and the invoice. I was told there was no invoice or physical copy of the report. Also


Complaint_ID: Yes
Date_received:
Coordination Fee to title company {$200.00} - I asked what this fee was for? The reply from the title company was '' it 's to coordinate the closing with the law firm '' and "" that 's how we make our money. '' I 'm not purchasing title insurance. They have nothing to do with this closing. In fact

Product:
 the lenders attorney told me there was no reason to contact the title company if I 'm not buying insurance. The clsoing is being done by mail. If this fee was on a closing disclosure as a bank fee paid by the consumer and not only was an explanation denied but was told "" That 's how we make our money '' I think it would be an issue. If so


Subissue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative: Wells Fargo & Company
Company_public_response: NY
Company: 120XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 06/01/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: Yes
Complaint_ID: 1949762
Date_received:
The banks attorney replied to my questions with '' If you do not wish to proceed with this transaction on the basis of the fees

Product:
 please advise and we can request a cancellation of the contract. The refund of your deposit is based on the seller 's discretion and the reason for the cancellation request. '' I want to make this property my home but feel I 'm closing under duress. The selling price is {$110000.00}. The lenders closing costs I have to pay are much higher than anything I could have expected and is causing financial hardship. What made it more difficult was

Subproduct:
 I was not allowed to know these costs until I was locked in. I feel being denied explanation or documentation on what truly seems to be price gouging is taking advantage of the consumer. Since the lender is passing these fees to the consumer

Issue:
 should n't they be responsible for due diligence on how their vendors treat the consumer? Does the lender even get invoices for these charges?"


Date_received: 05/15/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
State: JPMorgan Chase & Co.
ZIP_code: IL
Submitted_via: 600XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/15/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I owe Chase Bank roughly {$2000.00}. I am living on SSI income so I have no way of paying that. I mailed them documents stating I had " won '' money. They said they wo n't accept that as payment. XXXX. I also wrote the postal inspector about these "" sweepstakes '' being potential scams and they have done nothing to solve this financial joke. XXXX? Why do these "" enforcement '' agencies not do anything to go after scammers? My local police do n't XXXX about mail fraud

Company_public_response:
 but on the show "" XXXX XXXX '' they state mail fraud is a felony. an someone get off their XXXX and help me solve this problem with my bank so my credit is not ruined? Police would rather pull me over for my traffic signal not going on than mail fraud I get in the mail stating I am owed all this money."


Date_received: 05/15/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Ocwen
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I continue to receive collection letters from a servicer that has not proven it has authority to send me collection letters.


Product: "" Yes. '' The man then said
Subproduct: "" What is your birth date? '' I replied
Issue: "" Who is this? '' The man said
Subissue: "" I am not going to tell you until you give me your birth date. '' I said
Company: "" Is this XXXX with XXXX? '' He replied
State: "" No
ZIP_code: I am with Alpha. '' I then said
Complaint_ID: Yes
Date_received:
Recently my account was moved to Alpha Recovery Corp. and my payments of {$150.00} per month via my debit card continued. On XXXX XXXX approximately XXXX CST I answered my phone. A man on the other end asked, " Is this XXXX? '' I said

Consumer_narrative:
 "" I am not going to give out my birth date to someone who wo n't even identify themselves. '' The man then said

Company_public_response:
 "" This is XXXX. '' I then recalled that I had spoken in the past to a man named XXXX with XXXX. I said


Complaint_ID: Yes
Date_received:
XXXX XXXX with Alpha Recovery Corp informed me that my current payment arrangement had expired and I needed to pay the entire debt off now. I told him I was not able to do that and would need to continue the payments. I asked XXXX

Product:
 "" Who is XXXX? '' I asked him this because when the payments are taken out of my account my account shows the payments are going to a company named XXXX. XXXX XXXX told me his client was XXXX XXXX


Issue: "" So you are refusing to pay? '' I explained to him I was not refusing to pay
Complaint_ID: Yes
Date_received:
XXXX XXXX would not disclose how much I owed on the account nor would he provide a settlement amount. He did however keep insisting I use a credit card to charge a settlement amount to them. He threw out percentages

Product:
 but never talked numbers. I have had this conversation with XXXX XXXX before and I informed him once again

Subproduct:
 that I was not going to charge an amount I would not be able to pay and get into financial trouble again. XXXX XXXX then said


Date_received: The next day
Complaint_ID: Yes
Product:
 XXXX XXXX I called Alpha Recovery and requested that I be able to speak to someone other than XXXX XXXX about my account. I was put on hold and transferred to XXXX XXXX so I hung up. I also called Alpha 's complaint line and left a message


Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Alpha Recovery Corp
Subissue: TX
Consumer_narrative: 782XX
Company_public_response: Servicemember
Company: Consent provided
State: Web
ZIP_code: 06/26/2016
Submitted_via: Closed with non-monetary relief
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
After paying on the XXXX XXXX collections debt for nine years I think it is possible this debt is paid off! Yet

Product:
 Alpha Recovery now has the debt and will not provide me with information nor have I been able to speak with someone who is reasonable and honest."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: AZ
Subissue: 857XX
Company_public_response: Consent provided
Company: Web
State: 05/23/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Because I complained, Wells Fargo retaliated against me by DAMAGING MY CREDIT RATING. They also sent me a letter, telling me that no payoff amount was request. THAT IS A BLATANT LIE. I CALLED THEM ON THE PHONE BEFORE THE CHECK WAS ISSUED AND REQUESTED THE PAYOFF AMOUNT. The payoff check was the amount I was quoted over the phone.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: MA
Subissue: 024XX
Company_public_response: Consent provided
Company: Web
State: 06/28/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
XXXX We demand WF provide us the promised full six-month promotion on our new WF XXXX Visa Signature card!!


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Select Portfolio Servicing, Inc
Issue: IL
Subissue: 601XX
Company_public_response: Consent provided
Company: Web
State: 06/28/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
SPS does nothing to work with those in need, ruins credit, offers payment plans that are disadvantageous to consumers and establishes situations that only force owners into forclosure. Consumer BEWARE. I sincerely hope you will look into their lending practices and how they pray on those with hardships.


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Atlantic Credit & Finance, Inc.
State: MA
ZIP_code: 020XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16 at approximately XXXX a debt collector representing Atlantic Credit and Finance calls a third party ( my brother ) and shares confidential information regarding credit card debt that I allegedly owe to the company. The debt collector asked for contact information regarding me and my place of employment as well as a personal cell phone number. After he received my personal information the debt collector calls me without identifying himself.


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Monterey Financial Services, Inc.
State: CA
ZIP_code: 958XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a letter saying that Monterey Collections has been referred for collection on the unpaid insurance portion of treatment from XXXX, XXXX. Unless I notify their office within 30 days of receiving the notice to dispute the validity of the debt then they will assume the debt is valid. All payments is supposed to be sent to Monterey Collections, XXXX. XXXX XXXX, XXXX, CA, XXXX. Clearly a fraudelant scam as I have never done business with either entity. Monterey Collections is associated with Monterey Financials.


Product: after speaking with XXXX XXXX XXXX ( did not have an offer for the property
Complaint_ID: Yes
Date_received:
Tuesday, XXXX/XXXX/XXXX, XXXX Emailed an updated Form XXXX with the " Keep the property '' box checked


Date_received: Friday
Product: XXXX/XXXX/XXXX
Complaint_ID: Yes
Subproduct:
 XXXX I spoke with a customer service rep this afternoon who said the underwriter requested bank statements with circled deposit amounts. The customer service rep also requested a death certificate for my mother in law

Issue:
 who passed away XXXX/XXXX/XXXX which required us to pay her funeral expenses. I resent the bank statements with the deposit amounts circled

Subissue:
 & the death certificate in a separate email at XXXX. I asked how I would have known unless I had called -- he said they would have sent a letter ( they 're located in Utah ; the mail would have arrived after XXXX or 5 days ). He also suggested that if they had to request anything else


Date_received: Saturday
Product: XXXX/XXXX/XXXX
Issue: I was informed the amounts needed to be circled
Consumer_narrative: and this XXXX statement
Company_public_response: which is attached
Complaint_ID: Yes
Subproduct:
 XXXX Emailed a XXXX bank statement with the pension deposit amount circled as requested. Apparently none of the statements I sent on XXXX XXXX had the pension and SSI deposit amounts circled ( I was not asked to circle them initially ). When I called on XXXX

Subissue:
 and I have circled all pension & SSI deposit amounts. I forwarded all of the bank statements yesterday XXXX XXXX XXXX


Date_received: Friday
Product: XXXX/XXXX/XXXX
Issue: XXXX/XXXX/XXXX
Consumer_narrative: XXXX/XXXX/XXXX
Company: & would not have enough time to complete it before XXXX"
State: Company believes it acted appropriately as authorized by contract or law
ZIP_code: Select Portfolio Servicing, Inc
Submitted_via: PA
Date_sent_to_company: 190XX
Company_response: Older American
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 06/24/2016
Subproduct:
 XXXX Received call from XXXX XXXX asking what the US Treasury deposit was on the XXXX XXXX bank statement I had emailed. I told her that was my government pension. She asked why my husband 's name did not appear on the XXXX and XXXX statements I had sent ; I told her they were not joint accounts. ( The account holder name appears in the upper left-hand corner of each of the statements. ) Thursday

Subissue:
 XXXX Called & spoke to XXXX XXXX about the status of the loan mod request. She informed me that it was closed out as of Monday

Company_public_response:
 because they would not have enough time to process it before the foreclosure sheriff 's sale scheduled for XXXX/XXXX/XXXX. I asked about a deed in lieu ; she said they would need 30 days to process it


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: CO
Subissue: 802XX
Company_public_response: Consent provided
Company: Web
State: 06/16/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
THIS IS ONCE AGAIN A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN ONCE AGAIN TO ADHEAR TO THE LAW AND REMOVE THIS INACCURATE ACCOUNTS INFORMATION!!!!!!!


Date_received: 05/15/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan servicing, payments, escrow account
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 933XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Chase continues to ignore my requests for information regarding the history of my mortgage and how their actions have resulted in huge financial losses for me.


Date_received: 05/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: NC
ZIP_code: 275XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A Collection Agency ( XXXX XXXX XXXX ) is reporting a fraudulent collection account on my Equifax , XXXX, and XXXX credit reports.


Product: I never received any bill for this service until now
Subproduct: 16 months later
Complaint_ID: Yes
Date_received:
In my opinion, I believe I am a victim of fraud. Fraud in health care is defined as an " intentional act '' of deception or misrepresentation. I very clearly stated my concerns regarding using this lab and was reassured that I would not be responsible for any charges. Furthermore


Complaint_ID: Yes
Date_received:
Welcome to our family of credit cards! We are pleased to confirm that you are eligible to receive XXXX welcome bonus points for spending {$1000.00} in new purchases within 90 days of opening your account and you met this requirement as of XXXX XXXX


Complaint_ID: Yes
Date_received:
All points that you earn within a billing cycle are automatically transferred to XXXX after your cycle closing date on the XXXX day of each month under this XXXX number : XXXX. Once the points have been transferred to XXXX

Product:
 they will deposit them into your linked XXXX account. This process is typically completed within 10 business days after your cycle closing date ; however


Date_received: 06/27/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: USAA Savings
State: NC
ZIP_code: 283XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I refinanced my auto loan with USAA with my father as co-signer in the auto loan. As part of the part I add extra insurance called a Debt Protection Coverage which covers if I or he become XXXX and/or dies the loan is paid in full after the 30 days waiting period. There was clause in the Disclosure of the Coverage that the only way that the coverage could be canceled is that the primary ( me ) dies or that I submit in writing that I want the coverage canceled. Unfortunately, my father passed within shortly after the signed that contract with USAA. My family and I received condolences from USAA and thanking us for my father service in the military. They requested a copy of my father 's death 's certificate. Of course, we complied with the requested because at the time it seem that financial institution request an official copy of the death certificate. In the process without any notice, USAA cancelled the Debt Protection Policy on the Auto Loan. I did not send in any document to try to active the policy on my father behalf this was some that they did on their own. I have contact their numerous times requesting documentation on why the policy was fraudulently cancelled and I have been hung on or place on hold for over 1 hour and half. I 've even went into the bank to the teleconference banking and they refuse to send me the documentation as why the policy was fraudulently cancelled. Since the cancelation, I have been diagnosed with XXXX and been XXXX by my condition. This situation is ruining my credit and should not have happened because USAA acted on the account with my knowledge and still will not provide any documentation as to what the damage that they did to the loan/contract agreement.


Date_received: 05/15/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Quality Acceptance llc
State: NV
ZIP_code: 891XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX myself and XXXX XXXX went to reliable auto in XXXX to get a a new car after waiting for XXXX XXXX to assist us with a car from their AUTO CIRCLE program after a car accident under the policy which after ten months of waiting they did not do. The car that we were replacing was purchased at XXXX in XX/XX/XXXX through XXXX XXXX. And in the time we had the car we never missed a payment. With the XXXX car our interest rate was 4 %. Right out of the gate XXXX asked me If I knew a XXXX, I said no why, salesperson informed me that they were using my credit. And salesperson said that was all they could tell me. As for the interest rate on the car purchased in XX/XX/XXXX, it was first told to us it was gon na be 17 % then the sales lady kept coming back and saying it went up another 1 %. By time we were done it was 21 %. And the it was a XXXX XXXX Mustang for {$10000.00}. We put down {$1500.00} so the amount to fiance was {$8900.00}. We were told that if we made good on a years payments we would get the interest rate lowered. We also thought we were going to be getting XXXX XXXX again but we ended up with QUALITY ACCEPTANCE. From XXXX XXXX to XXXX XXXX, the first three months paid the during first month. And then after that I was always on time, the latest the bill arrived at QUALITY ACCEPTANCE was only a few days late if that. Yet, XXXX and I were both getting annoying calls from QUALITY ACCEPTANCE so much so that in XXXX XXXX, I talked to SUPERVISOR XXXX and let her know of the on going annoying calls that we were getting that were more than what the FTC allows. And after a year even with us making all payments on time. XX/XX/XXXX I decided to move back to XXXX XXXX from XXXX and I contacted the FTC as not only was the interest rate not lowered as promised but QUALITY ACCEPTANCE was calling XXXX phone and my phone several times a day at times and few weeks prior XXXX even said al my payments were up to date. So I decided to turn the CAR in XXXX XXXX. At this point car was XXXX and we put {$1500.00} down and made XXXX payments of {$370.00} minus the % 21 interest and that 's another {$3500.00} we paid toward car a total of = {$5300.00} was owed but car was rear ended on way to surrendering it, but still driveable and QUALITY acceptance got {$3000.00} for it at auction, leaving the total of what we owed at $ XXXX was XXXX na pay it right away, but with all the identity theft issues and robbery issues and car accident issues we were still dealing with, I felt it was best we talked to an attorney about QUALITY ACCEPTANCE harrassing phone calls and the high interest rate. QUALITY ACCEPTANCE started a heap of phone calls to me in XX/XX/XXXX and XX/XX/XXXX way above the normal. I do n't expect them to care about all the fiance issues we were trying to fix but that was why we were using them in the first place. And finally when the waters calmed down even though QUALITy ACCCEPTANCE was calling a heap was unprofessional XXXX decided to pay off the balance which we owed XXXX but QUALITY ACCEPTANCE was dinging our credit like crazy and they made XXXX pay {$9000.00}. {$6600.00} more than blue book and what was needed. XXXX then in XXXX XXXX called XXXX and said since we paid car off can they take it off our credit, again them knowing our credit was destroyed by identity theft and other illegal activity against us. XXXX SAID NO.


Date_received: 06/22/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: OK
ZIP_code: 741XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This credit card opened an account for someone other then me in my name and now they trying to make me pay for it even after I disputed it.


Date_received: 06/27/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Southern Management Systems Inc.
ZIP_code: MI
Submitted_via: 495XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 06/27/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I called Southern Management Systems in an attempt to pay off the debt that is listed on my credit report. I called the number listed, and spoke with an operator who took down my name and number and said that she would give it to the person who I need to talk to and they would contact me. The gentlemen then called me back and said that I owed {$1200.00} and that he would settle for XXXX % which was {$930.00} but would just make it an even {$900.00} and remove it from my credit report. I said ok, will you send me a letter or some sort of confirmation of this agreement stating that if I pay {$900.00} then you will remove it from my credit. He responded " No I will not do that. '' I asked how I am supposed to believe him or have proof that that is what he said and he kept saying that he wo n't do it and then proceeded to call me a "" liar. '' I asked how I am a liar and he said I just lie and that 's what I do. I 'm not really sure what that had to do with anything at all

Company_public_response:
 but I just asked for proof again and he said after I pay him he will. I said I wo n't pay you until you give me some sort of proof of agreement first and he then said he was going to hang up on me and he did. I just want to get this taken care of and I do n't know how else I can do that if they wo n't even accept my payment. It should be standard for someone to ask for a written agreement of some kind and he completely refused. I do n't feel comfortable paying {$900.00} and running the chance of him going back and saying he did n't say that and not removing it from my credit. I also need proof of payment for a new apartment that I am trying to get."


Date_received: 05/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: NY
ZIP_code: 115XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am a victim of identity theft. I have submitted to the credit bureaus and the loan companies alike that my identity has been stolen and used to take out fraudulent loans. I have been successful in removing XXXX of those loans from my credit report ( prosper ). The lending club continue to insist the loan belongs to be despite me sending information to the company and the credit bureaus my victim report, identity theft affidavit, proof of identity and even documentation from the bank proving that the monies went to a fraudulent account. Despite all this, Equifax is the only credit bureau who continue to report this on my credit report. This company has not protected me as a consumer.


Date_received: 06/08/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: please feel free to contact me by phone or email. '' XXXX XXXX
Company: Claims Service Rep. XXXXXXXX XXXX : XXXX ext. XXXX Immediately after seeing this message
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, XXXX, I received an email from my auto insurance company stating that they have received an auto claim. According to the email, this is also what was written : " My name is XXXX XXXX and I will be handling your claim. Your claim file number is : XXXX. Date of loss : XXXX/XXXX/XXXX Below you will find some information to help guide you through the claims process. If you need immediate assistance

State:
 I phoned the bank to inquire about this alleged claim. I phoned XXXX XXXX and she was unavailable. I did not leave a message with her. However


Date_received: On XXXX/XXXX/XXXX
Product: I spoke with XXXX XXXX
Issue: according to XXXX XXXX are : "" Quarter panel
Subissue: rear bumper
Consumer_narrative: passenger side fender front
Company: XXXX XXXX advised me that on XXXX/XXXX/XXXX
Date_sent_to_company: I backed into the passenger rear door of the motorist
Complaint_ID: Yes
Subproduct:
 a representative who was able to provide me with the alleged damaged to the my vehicle ( that was voluntarily repossessed ) which was financed through Wells Fargo. The damages that Wells Fargo are alleging

Company_public_response:
 trunk. '' XXXX XXXX advised me that there were no other specific descriptors nor information from Wells Fargo Auto regarding their allegations of damage. Additionally

State:
 was the first information and contact they received from Wells Fargo Dealer Services/Auto. Moreover

ZIP_code:
 XXXX XXXX inquired if I had any recent photos of the vehicle to counter the alleged damage ( by Wells Fargo ). I advised XXXX XXXX that the only damage that I acknowledge was the scrapes to the rear bumper

Submitted_via:
 which was due to a minor accident. I informed XXXX XXXX that the minor accident occurred in XXXX XXXX where I backed out of a driveway and a motorist was speeding down a residential street. Consequently


Product: XXXX
Subproduct: but the claim ( date of loss )
Issue: according to the email from XXXX was XXXX XXXX
Company_public_response: not slowing for speed bumps. On XXXX XXXX
Company: XXXX
State: other than the scrapes to the rear bumper
Complaint_ID: Yes
Date_received:
I further explained to XXXX XXXX that I had not taken out a claim and I no longer had the vehicle through voluntary repossession. I advised XXXX XXXX that Wells Fargo picked up the vehicle from where I reside on XXXX XXXX

Subissue:
 XXXX. I continued to explain to XXXX XXXX the condition of the vehicle as the tow man ( sent by the bank or bank representative ) prior to attaching the vehicle to the tow truck. I explained to XXXX XXXX that the tow man treated the vehicle without care. This was evidenced by how I observed the tow man dragging/towing the vehicle from behind. The tow man drove quickly through the apartment complex hitting the speed bumps and the vehicle scraped the ground. The noise from the process was very loud

Consumer_narrative:
 which alerted me to initially look outdoors and realize that the vehicle was being removed. I exited my residence and advised the tow man that it was my vehicle. He advised that he is taking the vehicle on behalf of "" the bank. '' He requested the key. I provided it to him. I requested to remove my possessions. The tow man complied with the request. He lowered the vehicle and backed it into a parking space facing forward. I unloaded the vehicle. Vehicle was reattached from the front. The tow man proceeded to leave and I observed how low the back of the vehicle was low to the ground. He drove swiftly out of the complex


Date_received: 06/23/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: East West Bank
State: CA
ZIP_code: 911XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/27/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
East West bank asked me to be a guarantor for my husband 's business credit line because I have a house under my name and I did. When the loan was renewed for the following years, an East West Bank officer forged my signature as a guarantor. My husband 's business filed chapter XXXX and East West Bank sued me to get my house. After my deposition with East west bank 's council, they realized the fact that I was not the one who signed the loan docs. They are willing to drop my name from the complaint but not willing to reimburse me for my attorney fees to prove that they were wrong, and on top of that they are also demanding I pay their attorney fees for this matter as well. Please look into this. Not only did they forge my signature but they also violated Equal Credit Opportunity Act. When contacted by CFPB, they sent a response with untrue statements. They never dismissed their attorney fees and lied about me never requesting reimbursement for my attorney fees to defend myself against their frivolous suit. Their response also talks about the situation that has nothing to do with me, but rather my husband. The home is under my name, not my husband 's. That is the reason they illegally tried to go after me in order to seize my home since my husband has no assets. Totally illegal. This bank needs to lose their banking license. I am sure this is not the first time they have done this to other innocent, unsuspecting consumers.


Date_received: 06/26/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Credit decision / Underwriting
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Wells Fargo Mortgage lending financial institution offered me a pre-qualified lower interest home refinance loan for a current mortgage home loan I had with Wells Fargo since XXXX 2010. As result I applied for the home refinance loan since it would give me {$35000.00} in interest savings over the remaining life of the loan compared to the current interest rate I have on my existing loan. Once the application process started I provided Wells Fargo with every individual piece of financial information required to support my application, such as, 401K account statements, paystubs, and paid {$550.00} to obtain appraisal on my current home. Although all of my financial information support my worthiness for a loan and my current home appraised value is {$200000.00} more than what I owe Wells Fargo the bank refused to extend me the loan. Wells Fargo reason for not extending the loan is that while appraising the home the first time the assessor noted that the home was being upgraded with hardwood floors and therefore another appraisal is required? I asked Wells Fargo to pay for the second appraisal since it was their mistake for not asking me if the house was having upgrades during the time of the appraisal and I do not have the financial means to pay for a second appraisal. I attempted to speak with Wells Fargo on the phone however they hang up the phone on me? I also sent emails to the supervisor overseeing the file and no response was ever received from them? Lastly I learn that my loan application was denied??


Date_received: 06/27/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Monterey Financial Services, Inc.
State: ID
ZIP_code: 838XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had XXXX XX/XX/XXXX and the XXXX, XXXX, XXXX, though agreeing to take Medicare insurance, has sent an invoice dated XXXX/XXXX/XXXX for collection. I have repeatedly asked the collection agency for certain information and explained the insurance and included a letter from the Doctor detailing XXXX contractural obligation and repeated abuse by XXXX. I have not received answers to my specific questions to the collection agency.


Product: '' the CFPB said
Complaint_ID: No
Date_received:
National Credit System, the debt collector, was allegedly contracted to collect the account. The Complainants had sent several letters to the debt collector explaining the situation, but the debt collector ignored the letters and continued to try to collect the alleged debt without verifying the Complainant 's information. The debt collector has not excised adequate due diligence to determine the validity of the account they are trying to collect despite request to so by the Complainants. The Consumer Financial Protection Board has stated in court case that the FDCPA " grants consumers a legal right to truthful information in their dealings with debt collectors


Subproduct: obligation or liability arising out of a contract
Issue: express or implied
Consumer_narrative: XXXX ). In addition
Complaint_ID: No
Date_received:
The debt collector in the Complainants case is in violation of the FDCPA as indicated by the CFPB due failure to provide the Complainants with truthful information. Furthermore

Product:
 the alleged debt is prescribed by the North Carolina statute of limitations which states that a contract

Subissue:
 '' is three years in accordance with N.C. Gen. Stat. XXXX ( XXXX ). XXXX ( XXXX XXXX XXXX. XXXX XXXX


Date_received: The debt collector has engaged in unfair and deceptive acts
Product: in violation of Regulation AA
Complaint_ID: No
Subproduct:
 by trying to collect a prescribed alleged debt and by providing a negative credit history to the credit bureaus to force the Complainants pay for debt that is not owed and a tool to collect a prescribed debt. This practice is also in violation of Fair Credit Reporting Act which prohibits creditors from providing false and inaccurate information to a credit bureau. The debtor failure to conduct adequate due diligence to determine the accuracy of the debt they are trying to collect after gaining knowledge of the disagreement with Apartment management and continuing to try to collect resulted in violation of the FCRA. The debt collector ignored the Complainants rights under the Fair Credit Reporting Act


Product: but without accepting the alleged debt
Subproduct: however
Issue: the debt collector did not respond to the offer. However
Consumer_narrative: unfair and deceptive acts and practices
Company_public_response: violations of the FDCPA
Company: and North Carolina debt collection laws and criminal violations. Continued on attachment"
State: Company believes it acted appropriately as authorized by contract or law
ZIP_code: National Credit Systems,Inc.
Submitted_via: NC
Date_sent_to_company: 272XX
Company_response: Older American
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 06/10/2016
Date_received:
The Complainants in good faith recently offered to pay an amount of up to {$200.00} for the nuisance value of the debt 's collector action

Subissue:
 the offer was made before the Complainants became aware of the debt 's collectors illegal practices


Date_received: 05/02/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of the West
State: NE
ZIP_code: 681XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
On XXXX XXXX, 2015 we reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX, XXXX. We were in the process of selling the property but Bank of the West would not work with us. On XXXX XXXX, 2015 we closed the sale and paid off Bank of the West. The payments totalled {$150000.00} ; however, we owed {$140000.00}, or a difference of {$15000.00}. Additionally, we were charged twice for an escrow shortage of {$2500.00} and attorneys fees and inspections of XXXX. The attorney fee and inspection were incurred before Bank of the West had accepted the XXXX, 2015 which stopped out the judicial procedure.


Date_received: 05/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company: Equifax
State: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am unable to dispute existing collection accounts on my Equifax credit report because they have an incorrect name on my credit report, I had no success contacting them by phone and I do not feel comfortable faxing my information over to a company that will not take the appropriate steps to verify a persons real information before applying it to their credit report, effecting their lively hood. They are providing an inaccurate report which continues to negatively effect my employment opportunities, living opportunities, as well as my health as this has become a major stress added to my life.


Date_received: 05/11/2016
Product: Credit card
Issue: Advertising and marketing
Company_public_response: with the words inserted after balance transfers
Company: "" when you use these checks ''. Had that wording been on the offer I received
State: I would have behaved very differently. As it was
ZIP_code: since I had a zero balance at the time
Submitted_via: I preceded to make purchases with my credit card
Date_sent_to_company: "" all purchases ''
Complaint_ID: Yes
Consumer_narrative:
In XXXX of XXXX I received a solicitation from XXXX XXXX Bank XXXX XXXX with an offer, " 0.00 % APR on all Purchases and Balance Transfers good until XXXX XXXX ''. I have received several similar offers since then


Date_received: While I had been paying attention to not go over my credit limit
Issue: I immediately paid off the balance on my account
Complaint_ID: Yes
Product:
 it was not until XXXX that I noticed a large amount of interest was being added. When I called the bank

Subproduct:
 I was told that they did n't mean "" all purchases '' ; just the ones made with the XXXX checks enclosed. Since no one I talked to at the bank offered any recourse


Product: but so far they have refused to acknowledge this to me or to the XXXX."
Issue: First National Bank of Omaha
Subissue: MT
Consumer_narrative: 597XX
Company_public_response: Older American
Company: Consent provided
State: Web
ZIP_code: 05/16/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
They must have realized that their wording was deceptive to have changed it so quickly after their 1st offer


Subproduct: Ocwen
Issue: MI
Subissue: 495XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/16/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have been paying Ocwen since XXXX and Ive come to find out that they do not have a valid assignment, a right to payment, they have committed farud by unsing my personal information without authority. I have not entered into any valid agreement with OCWEN not its bank XXXX trustee for Popular XXXX or XXXX. I have since rescinded my signature.


Date_received: 04/02/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: IL
ZIP_code: 605XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a short sale approval to sell my home where Wells Fargo is the servicer and HUD/FHA is the investor of the loan. The approval letter was issued on XXXX/XXXX/16 and valid through XXXX/XXXX/16. I advised my negotiator that I would need a minimum of 45 days to close the file since the buyer has applied for a TRID loan which requires a mandatory 45 days to close. The Wells Fargo negotiator assured me this would n't be a problem and that I could request the extension when I was assigned a closer for the file. I requested an extension on XXXX through the closer and was quickly told that the request was declined. The closer told me that if the buyer could n't close by XXXX/XXXX/16 I was out of luck and the file would be closed and the that I would have to start the short sale process all over again. I went on to open a case for help through the Wells Fargo Customer Care Department where I was quickly called to say once again that I was out of luck. When I called HUD/FHA I was told that the I had until XXXX XXXX to close since this is the day the ATP ( Approval to Participate Letter ) from HUD/FHA expires. I told this to my Wells Fargo closer and was told sorry she could n't do anything. I then contacted the area assistant VP for Wells Fargo who said he was going to request a variance through HUD/FHA on XX/XX/XXXX. It is now XXXX/XXXX/16 and I still have not heard from back from him since. I 've left several emails and voicemail message for him and have not received a response.


Date_received: 05/05/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company_public_response: Company disputes the facts presented in the complaint
Company: City Worth Mortgage LLC
State: NY
ZIP_code: 080XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Good day my I was in the process of getting a home loan from city-worth and XXXX XXXX is the loan processor I was given his information by a friend and my friend told me he was good but he 's not. My credit was n't that good and I had own money on my credit card he went and spread my information with my friend which is bad and I 'm sure there 's a privacy act against the banker or loan officer calling other ppl and given them my information it is bothering me and I have hired an attorney bout this. XXXX XXXX told them my credit score etc this is bad. The name of this bank is city worth mortgage in Va.


Date_received: 05/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: CA
ZIP_code: 953XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been the victim of identity theft. Someone has gone to multiple departments to open up lines of credit. These stores include : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX as the so far listed names. As I did further investigation, I also have suspicious detailing of someone pulling up my credit report.


Date_received: 05/01/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: SC
ZIP_code: 292XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The collection agency did not provide me with an understandable explanation of the amount they claim is owed. They have placed the account on my credit report as disputed, but it still affected my credit score. No resolution has been met.


Date_received: 05/03/2016
Product: Credit card
Issue: Advertising and marketing
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: CA
ZIP_code: 951XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I signed up for CareCredit card to pay for dental expenses with no interest if paid on time. I was on auto pay so as not to be late or miss a payment. I was charged more then {$74.00} in interest. Care Credit said the 6 month period was just a promotion. Why would I sign up for a credit card that charges 26.99 % interest, I already have a regular credit card with 14 % I would have used that? Dental offices, etc. promote this card as a way to pay for medical expenses not covered by insurance, easing the financial burden by having free interest for 6 months. It was presented to me as a way to pay for my dental expenses interest free always as long as I paid each bill on time and within 6 months.


Date_received: 05/02/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Application, originator, mortgage broker
Company: along with my option fee and my inspection fee. Per XXXX
Submitted_via: but we could close the week of XXXX XXXX
Company_response: gross negligence
Complaint_ID: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative:
I started with will XXXX " XXXX '' XXXX on XXXX/XXXX/2016 originally of XXXX XXXX XXXX on or about XXXX XXXX transferred to Waterstone Mortgage. During that time XXXX pulled my credit twice once while with XXXX and again when she went to Waterstone. During this process I asked them why did n't they do my rescore before and I was told because if they would have done that

Company_public_response:
 they would have had to leave me with XXXX as their client and they did n't want to do me like that. So I continued to march forward with searching for a home and on XXXX XXXX I found my dream home for my son and I. Being a XXXX veteran and a single XXXX mother I was finally able to realize the XXXX dream so I thought. On XXXX XXXX I submitted my earnest money check

State:
 we could close on XXXX the XXXX. On XXXX XXXX XXXX runs my credit again then on XXXX XXXX I receive an email from XXXX XXXX. I was a bit confused I reached out to XXXX but she was unavailable as usual and XXXX advise because my score dropped they had to send me to XXXX. I was furious to say the least. Yes it dropped you 've only pulled my report 3 times. So I still marched forward because XXXX reassured me there would be no problems and I could get financed with XXXX. Well they pull my report on XXXX XXXX for a fourth time. During this time XXXX has advised myself

ZIP_code:
 my Agent and the Sellers Agent we are still good to go and we will close on XX/XX/XXXX. The time comes and goes and no XXXX. She 's avoiding phone calls and barely returning emails. So we push the date back to the XXXX. XXXX tell the seller Agent on XXXX XXXX we have a clear to close and her clients can go ahead and sign their documents Wednesday XX/XX/XXXX and I can complete mine on Thursday XX/XX/XXXX with a mobile notary. I was advised I could go ahead and do a final walk through on the XXXX. Upon my return from doing my final walk through I receive an email from XXXX advising I do not have the clear to close and we need to push it back another week. At this point we are 41 days into this process and I need answers so on XX/XX/XXXX I started making phone calls only to find out that XXXX has been untruthful through this entire process. On XX/XX/XXXX after speaking with XXXX XXXX of Waterstone Mortgage who told my Agent that we would not be able to close this week on XX/XX/XXXX or XX/XX/XXXX

Date_sent_to_company:
 2016. I received a phone call from XXXX XXXX advising that XXXX chosen to deny me and she was unable to disclose why and they would send me a letter in the mail I 've yet to receive. After all the deceit

Timely_response:
 incompetence and failure to perform in a timely manner I 'm out of thousands of dollars. The seller 's kept my earnest monies due to a clause in the contract. I 'm confused as to why I 'm losing out on so much and this was out of my control. Had I and my agent known the truth

Consumer_disputed:
 we would have cancelled this process within the 24 day time period allotted. But because XXXX continued to reassure all parties involved everything was going smoothly and I had a clear to close on 2 different occasions we kept marching forward."


Date_received: 04/30/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Ceannate
State: IL
ZIP_code: 601XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
At approximately XXXX on XXXX XXXX, 2016, an agent of FMS called me ( http : //www.fmsdc.com/ ). They said I was listed as a reference for a family member and needed my family member 's contact information. They said my family member gave them my contact information ( misrepresentation # 1 ). I asked if they were a collection agency and they refuse to confirm nor deny ( misrepresentation # 2 ). I asked to speak to a manager and I was told the manager 's name was XXXX XXXX. They gave me their mailing address which was different from their website address. According to the Fair Debt Collection Practices Act, FMS clearly had the intention to misrepresent to me they were an agency hiring my family member. When asked point blank if they were a collection agency they would not affirm. Their website is clearly a debt collection agency. This is not the first time the agency has called me requesting information. Additionaly, to note, I researched the company and the Former Governor of Maine, XXXX XXXX, has an interest in the parent company.


Date_received: 05/03/2016
Product: Credit card
Issue: Billing disputes
Company: JPMorgan Chase & Co.
State: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Chase Visa failed to investigate many identified as unauthorized charges. As they failed to do so once reported they miss the timeline to be eligible to file a chargeback with Visa. Strangely they credit some while putting others ( even from the same vendor ) as valid as the merchant was under obligation to provide any documentation to support the charges ( this is patenly false ; they were notified ). I never requested a sales draft. I notified them of unauthorized activity


Date_received: 05/03/2016
Product: Bank account or service
Subproduct: (CD) Certificate of deposit
Issue: Deposits and withdrawals
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: FL
ZIP_code: 339XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX Certificate of Savings Deposit for my XXXX children in XXXX and XXXX at XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, PA XXXX. XXXX XXXX Bank was bought out on XXXX XXXX, XXXX by XXXX Bank ; on XXXX XXXX XXXX XXXX was bought out by XXXX XXXX XXXX Bank ; on XXXX XXXX XXXX XXXX XXXX XXXX XXXX was bought out by Wachovia Bank ; on XXXX XXXX, XXXX Wachovia Bank was bought out by Wells Fargo. While going through my paperwork I came across the Certificate of Savings Deposits. They have never been cashed. I never received a notice of forfeiture of money if not chased by a specific date. During the banks buy out no one ever contacted me or my children about the Certificate of Savings Deposits. I have contacted XXXX different Wells Fargo Banks, XXXX in XXXX and XXXX in XXXX. They give me the same line. We have no records after 7 years and there is on funds. I understand they have a dormant fund. The bank has never even informed me about this fund. We are not talking about XXXX dollars here. I just want my children to receive the money that they are entitled too. Please, I would appreciate any help. Thank you


Product: Company disputes the facts presented in the complaint
Subproduct: National Credit Systems,Inc.
Issue: GA
Subissue: 303XX
Company_public_response: Consent provided
Company: Web
State: 03/16/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have contacted XXXX who deleted this account from my report for National Credit Systems not being able to verify this account. XXXX is the only CRA still reporting this account and appropriate complaint has been filed for XXXX. My messages to National Credit Systems legal department XXXX XXXX XXXX XXXX have gone unanswered. In 2 1/2 months XXXX National Credit Systems had more than ample time and notice to communicate with their client and resolve this fraudulent account. They need to contact XXXX to delete it from my report immediately.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: BB&T Financial
Issue: VA
Subissue: 220XX
Company_public_response: Consent provided
Company: Web
State: 06/23/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
The contractor was notified that they should not use this company anymore in order to sell their product.


Date_received: 05/16/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
ZIP_code: JPMorgan Chase & Co.
Submitted_via: MA
Date_sent_to_company: 020XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/16/2016
Consumer_narrative:
Chase has just stated ( XXXX XXXX, XXXX ) that I am due for the XXXX XXXX payment on this loan and I am attaching proofs of payments made from XXXX XXXX - XXXX XXXX. Also I am attaching XXXX wrongful/illegal acts of mortgage banking : first a suspense account that DID exist for years and my original loan document showing that my loan is based on Estimate Payments which is also predatory. XXXX XXXX XXXX and XXXX XXXX XXXX have lied to me during the past two weeks on this and many other issues in effort to give this site as well as XXXX and other agencies wrongful information, while hiding the attached proving the suspense account as well as predatory lending ( estimate payments schedule since XXXX ). XXXX XXXX has told me via phone last week that I only need wait for the " foreclosure sale date '' and refused to answer my questions regarding an auction that would be first necessary to take my name off of my deed to give to a land court to throw me out eviction notice. Refusing to give me any acknowledgement/answers of this procedure denies me of my consumer rights!! as well as offering me a Non affordable modification ( based on predator loan wrong balance

Company_public_response:
 etc ... ) which would take about 75 % of my small XXXX only ioncome which is no way affordable. This in itself is in breach of foreclosure laws!!! Regardless of my refusing it or not! due to this predator loan to be continued another XXXX40 yrs on the original {$72000.00} balance initiated in XXXX. Please see the attachment showing the interest alone {$230.00}

Company:
 XXXX on that amount ( borrowed {$72000.00} ) the total they are still trying to make me pay is XXXX!!! 400 % interest!!! XXXX XXXX XXXX and XXXX XXXX XXXX should be investigated for possible fraud and or conspiracy!!!!! while also giving false information to this site as well as XXXX in effort to fraudulently foreclose on me starting possibly next week. Again my questions of an auction are being ignored as they do now want me to be home to witness my home being sold and a different name put on my deed to intentionally deny me of my consumer rights!! Again I am XXXX yrs old and legally XXXX with numerous XXXX related medical problems that are aggravated by all of this insanity and abuses."


Date_received: 05/04/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Received a loan I didn't apply for
Subissue: Received a loan I didn't apply for
Company_public_response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company: LDF Holdings, LLC
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Got a call from a company called Radiant cash stating a loan was taken out in my name XX/XX/XXXX. These funds was deposit into an XXXX XXXX account which has been closed since XX/XX/XXXX.


Date_received: 04/14/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TransUnion Intermediate Holdings, Inc.
ZIP_code: FL
Submitted_via: 346XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 04/14/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I filed an official dispute with Transunion on XXXX. I stated that XXXX XXXX XXXX, a creditor on my file, as misstated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was "" Charged Off ''. XXXX has allowed me to bring my account back to a "" current '' status. I want my credit file to reflect as such. On XXXX XXXX

Company_public_response:
 2016 Transunion return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Transunion has not provided any further information to explain why they have decided not to update their files. I simply request that the account status be updated or the account be deleted."


Date_received: 04/08/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Nationstar Mortgage
State: TX
ZIP_code: 751XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I will like to make a complaint against nation star mortgage, my mortgage originated with XXXX bank who sold my mortgage to nation star. In XXXX, I received my escrow analysis saying that mortgage escrow shortage which was a total of XXXX more a month when I called them they could not explain to me the reason for the dramatic increase in my escrow. I also mentioned to them I switched insurance which was cheapier then the prior year and I asked for another analysis. They told me it would be completed in a week to call back. I called back to follow up with them a week and half later and they said they still did not have the analysis ready to call back in two weeks. I called back in two weeks and they brought the escrow shortage down to XXXX something a month. I asked them to explain to me what happened to increase it by so much and still have not gotten an answer. XXXX XXXX taxes are XXXX a year and insurance is XXXX a year. I feel uneasy about this situation being that no one can clearly explain to me why the increase is so much.


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: I would 've called immediately
Company: this is NOT MY DEBT
State: it was fraud. '' He then asked my XXXX XXXX and I told him
Date_sent_to_company: Caine & Weiner Co. Inc.
Company_response: MA
Timely_response: 025XX
Complaint_ID: Consent provided
Consumer_narrative:
In XXXX, XXXX I received an email thanking me for a recent purchase from my XXXX XXXX credit card. I immediately contacted XXXX XXXX and filed a fraud complaint. I live in MA and the purchase was made in XXXX for a camera ... .clearly not mine. In XXXX, XXXX XXXX XXXX deemed it fraud and canceled my XXXX XXXX credit card and issued me a new XXXX. I received the letter from them as well stating the investigation was closed and the charges were removed etc. I did n't hear anything again, until last week. A man named XXXX called me from a cell number after XXXX. I was shocked as he informed me he was collecting a debt on behalf of XXXX XXXX. I proceeded to explain to this man what happened and he said basically, it does n't matter what your telling me, unless you have a POLICE REPORT, I will continue to call you until I collect this debt etc. He was RUDE, RUDE, RUDE, my blood was boiling! I told him I had a letter from them, he said the letter means nothing, get a police report. He stated they had been sending collection bills to me to which I said, " XXXX if I had gotten a collection letter on this

ZIP_code:
 bad mistake ... guess what I got yesterday? A collection letter. I have spent the last week and today on the phone with XXXXbank who owns the XXXX XXXX credit card. They have no idea how or why any collections would or could happen as this was NEVER sent to any collection company. They sent the letter stating I was not responsible and advised me to contact you. I am afraid to send any information to this company collection ... ... I am afraid who they are and how they got ANY information and the man was harrassing threatening and rude. I should n't be treated like that."


Subproduct: Capital One
Issue: TX
Subissue: 782XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/16/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I originally contacted Texas Attorney General 's Consumer Protection who referred me to the Office of Consumer Credit Commissioner who referred me to the Office of the Comptroller of the Currency who referred me to the Consumer Financial Protection Bureau.


Date_received: 04/01/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I 've been disputing an account with XXXX XXXX for approximately a year now and have been sending required documents to them regarding an account that they listed on my Experian credit report as a {$270.00} charge off. After providing them with receipts they finally removed the charge off from XXXX of the XXXX credit reports. ( XXXX and XXXX records have been updated ). After several attempts, I still can not get Experian to update their records. A rep from XXXX has already confirmed that they have sent the updated info to Experian but the charge off still remains on my credit report 6 months later.


Subproduct: Westlake Services, LLC
Issue: CA
Subissue: 900XX
Company_public_response: Consent provided
Company: Web
State: 05/14/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Intimidations by This company came in different forms. There were several occasions in which Westlake Services use spoofing tactics to get me to answer their calls. They would also call other persons who were listed as references to let them know we were behind on payments. I do believe calls were being monitored during the times we spoke as I was advised that calls were being monitored and recorded the times we were contacted. During this loan period, I also was confronted by individuals who said they were repossessing the car. I even had one individual knock at my door after XXXX. Such repossession events lead to repossession fees being added to my account. This went on even though the car was never repossessed. I had so many fees added to my account by the time the maturity date came, I thought I would not be able to pay. In fact, I asked for some of the fees to be waved and was not successful. I also explain that I was still paying a payment on a car that required mechanical repairs. There had been an extended mechanical warranty added to the purchase but never appeared when needed.


Date_received: 05/02/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes complaint is the result of an isolated error
Company: Ditech Financial LLC
State: VA
ZIP_code: 244XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
My mortgage loan originated with XXXX XXXX, but was sold to Green Tree. Green Tree since has merged with Ditech due to a class action lawsuit. On XXXX XXXX, 2016 I mailed my monthly mortgage payment to Ditech Financial ( Previously Green Tree ). My check was cashed and cleared out of my account by XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a call from Ditech 's collection department requesting a payment for an unpaid balance. After explaining to the women on the phone for a long time that my check had cleared the account from their servicing department, she was still harassing me for a payment. I was able to provide proof and speak with a team leader named XXXX who found my payment and made the adjustment. My payment was mailed very early, and was cashed by XX/XX/XXXX. Still after finding my check and acknowledging their error, my account as of XXXX XXXX, 2016 has yet to be fixed. They have never applied my payment of {$1500.00} to my account, and removed the late fee that should be gone. All of this is an error in their system, and I was harassed by their company to make a payment that had already been cashed in their system. Nearly 1 month after my payment was debited out of my account they still have not remedied the situation. I am very concerned about the future payments. I can also say customer service when I call is very poor. I get put on hold without notice. People transfer me without notice and do not notify the person who I was transferred to why, and most importantly no one has fixed the issue.


Subproduct: Nationstar Mortgage
Issue: CA
Subissue: 934XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: No
Date_received:
One morning I decided to give up. I contacted the bank and offer to do a deed in lieu with them. Two weeks into the process, the bank asked me to once again apply for the Mod. I did so without adding or taking away any information from my Modification application. A few weeks later I was approved. Very grateful, we agreed to the mod. My XXXX and XXXX forgave the debt I owed them and re-conveyed their deed. The BK protected me from any of their write offs. My balance with the bank was XXXX before the mod, but now is over XXXX. There was principal forbearance that added as a balloon payment in the amount of right around XXXX. My interest bearing XXXX was reduced to XXXX, but at the end of the day there was no real principal reduction. Sure the XXXX and XXXX was removed, but I still have a ton to pay. Once the modification trial was complete, they transferred the loan to Nationstar. I am grateful to XXXX for giving us the help we needed to stay in our home, I would only ask that they forgive the amount that was on the forbearance.


Date_received: 04/12/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Company: Transworld Systems Inc.
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a Private student loan with UAS ( University Accounting service, LLC ), that before it was XXXX. I called them today to talk about XXXX XXXX for Borrowers who attended XXXX Colleges between XXXX. They said that the Loan services is XXXX and they are not on the program of forgiveness, the only thing that they allowed to offer was Forbearance, paying {$20.00} a month but interest still accrued.


Date_received: 05/08/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing this complaint because Experian has ignored my request to provide me the documents that 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 under Section 611 ( 5 ) ( A ) of the FCRA- they required to* promptly delete all information which can not be verified * that I have disputed. Please resolve this manner as soon as possible. Thank you


Date_received: 04/29/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Sallie Mae
State: KS
ZIP_code: 665XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
After reviewing the fair practices act- then going over the loan documents with my co-signer we believe that we were led to think that our loans were student loans Not private ones- If I 'm read things correctly the loan provider should have provided one or maybe all the documents listed below as examples :


Date_received: 04/29/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 926XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX Report.com, Experian 's consumer service that says it gives you real, accurate credit scores from all three agencies. It is telling me my XXXX score is XXXX, my XXXX is XXXX, and experian is XXXX. Yet I ran my credit and none of those are even close to the scores actually reported to credit and lending institutions. They are charging me {$60.00} a month for the service. That 's fraud and misrepresentation. I know, I work at the FDIC when the CFPB was formed in XXXX directly for XXXX XXXX. This is criminal. Please investigate and let me know.


Date_received: 05/14/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: ERC
State: CA
ZIP_code: 907XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Enhanced Recovery Corp. has bought a debt from XXXX XXXX. XXXX has reviewed my ID Theft Report and has seen I was a victim of Identity theft. XXXX XXXX. removed the account from my credit. Enhanced Recovery continues to report the account as mine


Date_received: 04/17/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: MN
ZIP_code: 554XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/17/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I am a victim of identity theft and the following accounts listed on my Equifax credit report are unauthorized and all fraudulent accounts that are not my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, US Department of Education, XXXX.


Date_received: 05/03/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Taking out the loan or lease
Company: Ford Motor Credit Company
State: NJ
ZIP_code: 070XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I turned in my XXXX 2013 and took about another lease with XXXX XXXX XXXX. They were supposed to make pay off the car and did so too late. After having Ford Credit calling me to make payments I repeatedly called XXXX XXXX XXXX to pay the car off before the due date. They assured me they would and they did n't. They paid the car off 30 days after its due date and Ford Credit reported it under my namemail to the credit bureau. I have a letter from Ford Credit and XXXX XXXX XXXX stating that they would resolve this and it is still showing in my credit.


Date_received: 05/12/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company_public_response: they take their word for it. If Equifax were truly concerned with reporting accurate information
Complaint_ID: Yes
Consumer_narrative:
Equifax refuses to remove an incorrect entry from my credit report. It would be very easy to verify that my claim is true. This debt was discharged in US federal bankruptcy court on XX/XX/2015. The reporting agency seems to have a very flawed process of " verifying '' that the information they are reporting is correct. They simply ask the agency reporting the debt if it 's correct. If the collection agency says yes


Date_received: Address : XXXX XXXX XXXX XXXX # XXXX
Product: XXXX
Subproduct: CO XXXX Phone : ( XXXX ) XXXX XXXX Or if they do not want to take his word for it
Subissue: 2015 Date XXXX XXXX
Consumer_narrative: 2015 Status XXXX Contact Details COLORADO FEDERAL COURT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint_ID: Yes
Issue:
 the court that discharged the debt : Bankruptcy ( XXXX ) XXXX Reference Number XXXX Date Filed XXXX XXXX


Date_received: 04/06/2016
Product: Credit card
Issue: Billing disputes
Company: Capital One
State: NY
ZIP_code: 100XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I see judgements for amount that I had no knowledge about. I also see XXXX Texas addresses where I never lived and wrong spelling of my mother 's middle name.


Date_received: 04/30/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: JH Portfolio Debt Equities, LLC
State: TX
ZIP_code: 752XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The account is fraud. it has been removed from all other credit bureaus and the collection agency failed to validate the debt in timely fashion ...


Date_received: 05/12/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: TD Bank US Holding Company
State: IL
ZIP_code: 604XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX 2015 the fiance company TD auto repossessed my car by mistake it was awful not to say embrassed the tow truck came started taking my car when I told him it was a mistake that I was protected by Bankruptcy law and refused to believe me and called the police my neighbors were woken up. The next morning called the fiance company the person to whom I spoke with was rude and would not listen to me cold not go to work for 2 days lost pay and not to say I was embrassed after many phone calls finally someone told me it was a mistake and sent me a letter of aplogy and the tow driver brought my car back in the night will repo stickers still on. I think they should at least do something for the money I lost and the anxiety I went thur. Thank you for listening


Date_received: 06/02/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: statement
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Experian
Submitted_via: NY
Date_sent_to_company: 140XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 06/02/2016
Consumer_narrative:
Over the course of the last 18 months I have been trying to obtain a mortgage. I have not been able to get approved because there are items being listed as " Dispute '' in several different areas on my credit report with Experian. I have never disputed an item in my life. I have spoken to them on several occasions directly requesting that all dispute verbage be removed. The underwriting system of mortgage companies are rejecting my report based on any dispute items being listed. They have told me they have updated it on several occasions yet it still remains listed. It is listed in all areas including : the status

Company:
 and comment sections of my report. I have been hung up on by representatives with Experian trying to get this correct. It is preventing my family from moving into a home more suitable to our needs."


Date_received: 04/29/2016
Product: Credit card
Issue: Other fee
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: IL
ZIP_code: 605XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have a card through Care Credit/Synchrony Bank. I recently fell behind on payments and was contacted from someone through them. I believe it was a collection agent. We setup a Hardship plan of {$77.00} a month. My account was showing a current balance due of around {$400.00}. The person I had spoke with let me know that my monthly payments will start right away at {$77.00} and the current balance showing due will continue to show on the site but that the {$77.00} will go in affect right away .... I went on the website to setup automatic payments of {$80.00} to pay towards my account since I was told my new monthly payments are {$77.00}. When my first automated payment was sent through. They ran my card for {$300.00}. I called Care Credit/Synchrony Bank to ask them what had happened and they told me the automatic payments run the amount showing due. I let them know about my plan I had setup of the {$77.00}. The person I spoke to told me I will be receiving a check in the mail to refund me that amount that of {$300.00}. I made sure to double check that I for sure will be receiving a refund and they assured me I will be. Then a couple days later I received a letter in the mail saying that the refund was declined. I called and explained the situation. They basically told me there was nothing they can do. If they refund me the amount it will show my account in past due status which is not entirely the case since I was told my account would still show that amount due but my monthly payments will start at {$77.00}. XXXX people I spoke with assured me information that ended up not being correct and I was a victim of that. I spoke with a supervisor and let them know of the information I was given and they basically told me there is nothing they can do about wrong information previously given out. If I would have known the amount of {$300.00} would have been taken out of my account I would have not setup the automated payments but I was told previously my monthly payments will start right away at {$77.00}.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CA
ZIP_code: 923XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I HAVE NEVER SIGNED A DOCUMENT TO RUN MY CREDIT FOR A HOME MORTGAGE LOAN, THERES A INQUIRY FOR XXXX XXXX CA XXXX ON MY CREDIT REPORT WHICH I DID NOT APPROVE OF, I CALLED THEM THEY SAID THEY WERE GOING TO FIND OUT WHO RAN MY SCORE, I HAVE NOT GOT A CALL BACK ITS BEEN OVER 10 DAYS AND WHEN I CALL NOBODY KNOWS WHAT IM TALKING ABOUT. I NEED THIS INQUIRY DELETED FROM MY REPORT


Date_received: 05/08/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: CA
ZIP_code: 919XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I left XXXX to join XXXX and the account stopped around XXXX XXXX. XXXX claims that I owe more than just one months payment. I left the country around a few days after my acccount was closed with tmobile. Now I have three different amounts of money that I owe the collection agency when XXXX never contacted me about the final bill. At the same time I had to wait for XXXX to handle the phone fees and that took much longer than anticipated. The amounts are : {$420.00} {$480.00} {$520.00}


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
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Meridian Financial Services, Inc.
State: CA
ZIP_code: 952XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
As part of a time-share purchase, XXXX in XXXX XXXX accepted our XXXX XXXX timeshare in XXXX XXXX as a trade-in. XXXX XXXX handled the transfer of ownership and sent confirmation that the transfer of ownership took place on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, we received a collections letter from Meragon Financial Services, claiming that we owed {$8000.00} to XXXX for maintenance fees and fines. I disputed this on the phone, by mail, and by fax, sending Meragon the confirmation of transfer of ownership letter. They still persisted in calling and sending collections, threatening to report the unpaid debt to credit bureaus. I requested the exact information received from XXXX claiming I owed this debt. They sent one paper with the dues I paid under my contract number and a second paper with a different contract number listing unpaid and late payments. I confirmed with XXXX that this contract was not mine, but when I related this to Meridian, they continued in rudeness and threats. There is no debt. There is no paperwork validating that I owe a debt. I received no bills or notices of fines from XXXX. Meridian claims that these were sent regularly to me. XXXX XXXX called XXXX accounting, spoke with XXXX XXXX, who stated that the ownership was transferred, but since the new owners did not pay the maintenance, XXXX put the timeshare back into my name. He denied this when I talked to him and refused to talk anymore, referring me to the collections agency. We hired an attorney, explained all this to him and faxed him all the paperwork. After 6 months, he sent me a notice that we were no longer owners of XXXX, but he put the effective date as XXXX of this year! He says he is not responsible for any credit problems we may have. I intend to continue corresponding with him until I either get my money back ( {$950.00}. ) or sue him. Help! We relied on XXXX XXXX, who claims they are not responsible. We relied on XXXX XXXX, who claim they are not responsible. We relied on XXXX, who claims he is not responsible. How are we responsible for a transaction we are not licensed to perform on our own when we are informed that the transaction has been completed? We have been blind-sided by this. Now we find that XXXX has dinged us for XXXX unpaid debts from Meridian Finance, all opened XXXX XXXX, XXXX, totaling {$8000.00}, lowering my credit score more than XXXX points! It should be XXXX, but it 's XXXX!


Date_received: 05/03/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Company: I still needed money to make ends meet. I had no idea that
State: without a cosigner
ZIP_code: I 'd end up with credit card-like interest rates
Submitted_via: amongst a multitude of other problems. After taking time off from school to work and save money
Company_response: with limited ( after rent
Timely_response: utilities
Complaint_ID: interest and fees
Consumer_narrative:
Beginning when I was an XXXX-year-old university student, I took out XXXX XXXX, now known as Navient subsidized and unsubsidized student loans and later a " XXXX '' loan worth over XXXX between XXXX and XXXX - which was more than twice as much as I earned working my way through college - so that I could attend the University XXXX. It 's a relatively affordable school

Company_public_response:
 but due to the fact that I was raised by a struggling single mother and my job at a XXXX paid only {$XXXX} per hour

Date_sent_to_company:
 I earned my XXXX XXXX in XXXX. After graduation I accepted a job working for a XXXX. Eleven short months later I lost my job when the XXXX. Entry-level jobs had dried up and I could n't even get a job at a local retail store. I was on unemployment making {$XXXX} a week for four months. So

Consumer_disputed:
 car payment and groceries it was really no income left over ) income and my private student loan payments


Date_received: Navient 's collectors called me up to 10 times per day
Issue: because they did n't process my request
Subissue: have wrecked my credit and have the potential to haunt me for the next seven years
Consumer_narrative: preventing me from buying a new home
Company_public_response: leasing a car or getting a job - at least
ZIP_code: Navient Solutions, Inc.
Submitted_via: KS
Date_sent_to_company: 666XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/03/2016
Product:
 even on weekends and holidays. I spoke to one representative asking them about my options and the only option Navient offered me to avoid default and subsequent financial ruin was to pay a {$150.00} fee every three months to put my loans in "" forbearance ''. But interest would still have continued to accrue. I filled out the paperwork and sent in my first {$50.00} check because at XXXX a week that was even a stretch. I have the carbon copy of that check but it was never cashed on their side and still says pending through my bank. My forbearance paperwork was never processed. I 've asked them to open my case and they deny any wrongdoing. Since this time

Subproduct:
 I 've been back to work for nearly a year and making all payments on time but those XXXX "" missed '' payments

Company:
 with one of the 60 % of employers who check your credit before they hire you. I will continue to make my monthly payments to them but I want those XXXX missed payments removed from my credit so I can have a financial future again."


