# complaints

Date_received: 05/13/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
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: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is in reference to Barclay Card. They are not only calling outside of the XXXX - XXXX timeframe, which I have a log of when they call, but they have repeatedly called me at work at XXXX. When they call at work, I am on a recorded and monitored line and I could be fired for such calls.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: CA
Subissue: 956XX
Company_public_response: Consent provided
Company: Web
State: 04/07/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
One representative told me Experian limits the number of time you can login to dispute items within a certain time frame to prohibit users from abusing the dispute site to view their credit reports. Two representatives told me they know the number of times but will not tell consumers the number and time span.


Subproduct: Santander Consumer USA Holdings Inc
Issue: PA
Subissue: 190XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I do n't know if it is still that amount or if the payment went up or if the interest went up now that I am not in the program? I am suppose to leave from XXXX in a week and go back state side. By this being on my credit now, it is going to affect me getting a place for my pregnant wife and I along with our kids to find a house to live where we are getting sent to next.


Date_received: 04/06/2016
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: KS
ZIP_code: 660XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditor 's collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Security Finance
Issue: TX
Subissue: 770XX
Company_public_response: Consent provided
Company: Web
State: 05/05/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: Encore Capital Group
State: AZ
ZIP_code: 852XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Midland Credit Management Representatiive, XXXX XXXX at XXXX x XXXX called my home residence phone number and disclosed third party information about my debt ( credit card ) owed. Disclosed total balance due ( XXXX ) amount of the charges. The third party advised her that it was not his bill never heard of the company she represented and she informed him he was responsible for the debt. He advised her he never used any credit card. He asked her for her name and number and she advised she could talk to him and would take legal action if bill wasnt paid. He offered to take a number and and will give the message. He did try to tell the representative that she should not be calling. On XXXX XXXX, 2016 I called the company and spoke to XXXX, XXXX XXXX XXXX XXXX XXXX xand advised of disclosure and put a cease and desist .Got her superior name of XXXX XXXX XXXX She then stated they did not break any laws. I disagreed and advise I will check into my options.


Date_received: 04/04/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company: Capital One
State: OK
ZIP_code: 730XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have sent numerous comoldings on XXXX XXXX XXXX XXXX. I have madeany phone calls that have not been returned by XXXX XXXX XXXX. I sent to them my information about the identity theft but again no response. I have also requested from them a copy of the SIGNED contract from Capital One Bank and they have yet to provide it. They have now sent me a Motion of Summary Judgement that I received on Saturday, XXXX/XXXX/2016. I plan to file my rebuttal with the court clerk no later than XXXX/XXXX/2016. This DEBT IS NOT MINE!


Date_received: 05/08/2016
Product: Credit card
Issue: Other
Company: JPMorgan Chase & Co.
State: AP
ZIP_code: 963XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/XXXX, I made an online payment to the wrong credit card company. Instead of sending the payment to my personal credit card account at Chase Bank, I made payment to an old account at JP Morgan Chase Commercial that had not been deleted from my banking profile. The JP Morgan Chase Commercial account has not been used in over two years and was reportedly closed upon my resignation from the Federal Bureau of Investigation on XXXX XXXX, XXXX. I contacted JP Morgan Chase and was told they could send a refund check to the address on file, which is my former employer. My former employer does not have my forwarding address, since I have relocated since resigning from the agency, and has failed to provide any assistance with resolving this issue. JP Morgan Chase referred me to XXXX individuals within the FBI that handle government travel cards and I have not received a response from either, although multiple messages have been left. I have contacted an employee at the FBI XXXX Field Office, who has been able to verify my account was closed and that the account now has a credit to the account in the amount of my erroneous payment. She has attempted to contact FBI Headquarters to resolve the issue, but has not received a response from anyone who can assist.


Date_received: Mail the check to : American Express
Product: Bluebird XXXX XXXX XXXX XXXX XXXX XXXX
Issue: she said that I ca n't deposit an amount that large by mobile deposit
Company_public_response: the amount of this check was {$72000.00}
Company: I am XXXX and it is difficult for me to always get out
Submitted_via: Amex
Date_sent_to_company: PA
Company_response: 179XX
Timely_response: Servicemember
Consumer_disputed: Consent provided
Complaint_ID: Web
Subproduct:
 UT XXXX I sent this check from the federal government into them via mail to the address listed which is XXXX XXXX XXXX Utah address. This was under the XXXX dollar annual limit and was a federal check so it meets all their guidelines. I got notice today that they have suspicious activity on my account. I called them up and talked to XXXX

Subissue:
 I told her I know and thats why I sent the original federal check to their XXXX utah address. She said bluebird ca n't accept the check for that amount

Consumer_narrative:
 last month they froze my account from my social security funds now they freeze my account for depositing a va check for backpay for 5 years

State:
 this bluebird account allows me to make deposits into my account easily but then they freeze my account every month while they verify everything."


Date_received: 05/06/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company believes complaint is the result of an isolated error
Company: LoanDepot
State: NV
ZIP_code: 891XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am in the market to refinance my currant mortgage held by XXXX XXXX XXXX XXXX in Nevada. I went on line and found a company called LoanDepot. I spoke to XXXX XXXX on XXXX/XXXX/2016 who took {$10.00} and we talked about possible loans available for my situation. That situation is simply we have a 5.6 % mortgage loan and now that home values are coming back up I wanted to refinance for a lesser rate, no cash out nothing, just refinance. As a XXXX Veteran he said I could qualify for a VA loan. I explained I had done that twice and he said you can do it again. If the loan was assumed and not paid it would be on m Credit Bureau. Okay. So he gave me a rate of 3.625 % and told me he 's been doing this for 9 years, he 's a great person etc. He said he would send documents email later that day and call me in the evening and go over everything because logging in can be a little tricky. then they would get a VA appraisal for {$200.00}. No call, nothing. LoanDepot never called back. On top of that XXXX showed that LoanDeport through XXXX inquired XXXX/XXXX/2016 on my credit report twice and really kicked my credit score. Then I get a call from their customer service (? ) wanting to know how things were going. When I told them what happen they were like, oh, asked who my loan officer was and hung up. You need to look into this company. Something is very wrong with what they are doing.


Date_received: 05/16/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Viking Client Services, Inc.
State: CA
ZIP_code: 936XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I rented a car from XXXX. I did not inspect the vehicle because I picked it up late at night in a rainstorm. When I returned the car the following afternoon the attendant asked me how I damaged the front corner panel. I was shocked. I had not damaged the car in anyway. I filled out a statement with Budget that stated i did not inspect the vehicle and I had no idea how the damage occurred or even if it was while I had the car. This was XXXX XXXX. Today, I get a call and a letter in the mail from XXXX XXXX XXXX. The letter has no information on the car, the damage, even the rental date - nothing. It is just a bill for {$470.00}. I called Viking Services and asked for an itemized statement of damage and repairs. I also asked how to dispute the charges. They told me they would send me info on XXXX but have not responded. I told the representative I spoke with i would wait on the line while she collected the info but she said it was a long process. Really? If they want money from me should n't they have all the documentation readily available to them?


Date_received: 04/29/2016
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: 078XX
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:
XXXX XXXX credit card does not belong to me. I never recieved the card and would like this removed from my TransUnion credit report


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: NY
Subissue: 130XX
Company_public_response: Consent provided
Company: Web
State: 08/12/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Their dishonest practice tricked me into opening an account I otherwise had no interest in opening, which is why I closed it in the first place, by luring me in with a false bonus. This should be illegal if it is n't already, and they are violating the terms they agreed to when I submitted my application.


Date_received: 03/31/2016
Product: Mortgage
Subproduct: Reverse mortgage
Issue: Loan servicing, payments, escrow account
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Wells Fargo & Company
ZIP_code: MN
Submitted_via: 551XX
Date_sent_to_company: Older American
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 03/31/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I applied for a reverse mortgage and was not understanding any of the procedures and most facts. I simply did not understand the ramifications or mortgage satisfactions. I needed to get rid of my mortgage payment as I was unable to make ends meet. I am aware of paying off my home mortgage for {$27000.00} which I believed was the mortgage I had. None of my XXXX mortgage satisfaction statements are in this amount. I also have satisfaction of mortgage statements for {$30000.00} filed as document loan # XXXX XXXX dated XXXX and recorded XXXX and notarized in Montana on XXXX. There is certificate of satisfaction of mortgage for {$33000.00} document # XXXX dated XXXX recording date XXXX ; and notarized XXXX XXXX XXXX Last satisfaction of Mortgage is loan # XXXX NM dated XXXX ; recorded XXXX and notarized in Montana XXXX XXXX. Also included is Schedule of liens for Home Mortgage of {$27000.00} and unknown Wells Fargo Bank lien XXXX for {$33000.00} of unknown date under schedule of Closing Costs. Dates and amounts of money are not congruent and it seems there has been some error or mischief involved with so many " satisfactions '' of mortgage which I do n't know anything about and need explained. At the time of closing I received a check for a little over {$20000.00} and my home had been assessed for {$150000.00} and my home mortgage was about {$27000.00}. It does n't seem to me that I received the correct amount of money. It seems that the amount is way too low. Enclosed also is a reverse mortgage statement of XX/XX/XXXX and a letter of confirmation of loan payment ; loan # XXXX that has no signature or amount. I have tried to understand the statement

Company_public_response:
 phoned Wells Fargo and others and still do not understand it. I do not understand what has happened to me and need help in addressing the problems I still have with it. I have been suffering from inertia regarding this and am reaching an age where I feel I need my papers in order which they are not. Please help me."


Date_received: 06/20/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: MN
ZIP_code: 562XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had an account be closed in 2013 with a negative balance of {$150.00} and some change. They closed my account before I could bring it out of the red and they reported me to XXXX and XXXX with a " Suspected Fraud '' notation on both reports. I have attempted to dispute with XXXX and the "" Suspected Fraud '' notation remained. I am being accused of committing fraud when that was clearly not the case. They can not prove that fraud was committed because it was n't"


Date_received: 04/07/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company_public_response: but received repeated error messages there too. When I try to log in now
State: my opinion is that the broken nature of this process amounts to fraud and violation of federal law
Submitted_via: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date_sent_to_company: Experian
Company_response: OR
Timely_response: 974XX
Complaint_ID: Consent provided
Consumer_narrative:
I received my annual free credit report two days ago, for Experian only. I 've attempted to use their online system to submit disputes to XXXX items that violate CSR Section 682.405 ( rehabilitated student loans that should have had all negative items removed in 2012 ), but no matter what I enter in the form, I receive the message " The additional relevant information you entered is invalid. '' I tried twice to use the alternative document upload form

Company:
 I see that I have apparently exceeded the number of allowed views for my ( federally mandated ) credit report. At the moment

ZIP_code:
 and I see no reasonable option but to seek legal council instead since the dispute process seems unlikely to yield any response."


Date_received: 05/16/2016
Product: Prepaid card
Subproduct: General purpose card
Issue: Unauthorized transactions/trans. issues
Company: Blackhawk Network Holdings Inc.
State: WA
ZIP_code: 983XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Blackhawk XXXX gift card. An on-line merchant employee took card info during a purchase and attempted several transactions. XXXX succeeded ; XXXX XXXX XXXX for {$250.00}. Blackhawk says it was a valid transaction and refuses to return the money to me.


Date_received: 05/19/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: TekCollect Inc.
State: WI
ZIP_code: 537XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was about to set up the monthly payment when they called me monday XX/XX/XXXX and be ready. But they called me again today but I missed the called but I do know they were gon na force me to pay. But I am making a payment plan through XXXX College the right way.


Date_received: 04/17/2016
Product: Debt collection
Subproduct: Medical
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: CMRE Financial Services, Inc.
State: CA
ZIP_code: 926XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had to go to the hospital and CMRE ended up slapping with a debt I do not owe and my MEDICAL INSURANCE already paid.


Date_received: 05/09/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: NC
ZIP_code: 283XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Since XXXX XXXX XXXX sold my mortgage to Nationstar about 2 years ago in XXXX, I have been having numerous issues with making my payments and with payments being sent in before the XXXX of every month, they have put payments in escrow or in a suspense account, instead of applying the payments to the actual payment or to the principal. I have even sent in extra money to apply towards the payment and the extra monies were placed in a suspense account, and later Nationstar will charge late fees to my account upwards of {$300.00} every month, which notes as a full payment late on my account. I have also had full payments mailed back to me with no true explanation, which also started with XXXX XXXX XXXX. Also, my mortgage payment has NEVER been the same amount. Every statement I have received since dealing with this company has been a different amount. I have a fixed rate mortgage, but for some reason my bill changes monthly!!! I have called several times to settle this matter, however no one can give me an explanation other than saying that my payment is late. I have asked several customer service representatives how to get my payment to a consistent amount, however I am just told to pay what I owe, and even if I pay several hundreds of dollars over that amount, I am still reported as late, and my extra payment will be placed in the suspense account again! Even with me making my payment on time, this company has reported me late to all three-credit agencies for several months. I have no other options, as speaking with Nationstar has gotten me nowhere, and they do not seem to care. I am desperately trying to repair my credit and I have no other blemishes on my credit report, except for Nationstar who I pay ON TIME every month!!! I have every statement sent and every check that I have sent in. I have even tried to wire them the payment, which is still reported as late. I feel as if I will never be able to pay off my mortgage at this rate. My credit has taken a significant hit with this company. I have had them send me a copy of every transaction since I was sold to them and nothing seems to make sense. All I want is for this situation to be corrected. This has been stressful for my husband and I, as it has ruined our chances of obtaining other properties and getting reduced interest rates on other loans. I think a fair resolution would be for Nationstar to contact each of the credit reporting agencies and explain that we ARE NOT late on our mortgage ( they have not reported since XXXX XXXX )


Date_received: 05/05/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company: USAA Savings
State: OR
ZIP_code: 970XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
USAA Bank closed my checking account due to attempted access by an unauthorized company. I disputed it and eventually had to have CFPB to resolve it. USAA closed the account but did not open another account for me due to the attempted fraud.


Date_received: 05/09/2016
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: Synchrony Financial
State: VA
ZIP_code: 232XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
My account with Walmart was closed due to missing payments. Thus, credit reporting had been suspended. Paper bills were not mailed to the address on file. I missed two payments. Recently noticed that negative information had been reported to credit bureau from this company. Would like someone to look into their ambivalence. It appears that they only report to credit bureaus when there 's default. Otherwise, the credit history is not reported. Why should this happen?


Date_received: 05/20/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: Fifth Third Financial Corporation
State: NC
ZIP_code: 282XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Fifth Third bank but a hold on funds on my account for two weeks without informing me. IN the terms and condition it does say your funds are subject to a POSSIBLE hold of up to 10 days. I would think that the bank would be courteous enough to inform you if this hold is occurring on your account or not. They are not. They let me attempt to use the card and be forced to contact them to find out what was going on when the account did not work. I was given XXXX answers of why I got a hold by Fifth Third. 1 was that I was a new account and they had to verify the funds and the bank was the only ones who could do it. The second was that the account was overdrawn and that because the I made the deposit through the ATM that the atm automatically held it for XXXX days. The third was that since I deposit the check yesterday but it was dated for today they held it to make sure the funds would post. I left with complete confusion as to why my account was placed on hold. I still did not receive a answer and the staff in the mean time were extremely rude to me. I was hung up on twice and when I specifically requested a letter stating that their decision is preventing me from being able to pay creditors I have and they denied the request. My issues is not the policy my issue is the Bank not informing you when your account it put on hold and when asking not getting one clear answer.


Date_received: 05/10/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Taking out the loan or lease
Company: JPMorgan Chase & Co.
State: PA
ZIP_code: 193XX
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 a loan thru XXXX XXXX XXXX which they are processing with Chase Financial. On top of my required monthly loan payment, I am paying additional monies in my monthly payments which I wish to have applied to towards the principal balance as authorized in my loan agreement. Chase is refusing to apply the additional payment to the principal balance. They have advised me that they are applying the additional payment towards any future monthly installment payments but they claim that they hold the extra monies in a " separate '' account for future installment loan application purposes. Chase has refused to process the additional monies towards principal as specified in the loan agreement. Any assistance you can provide would be appreciated."


Date_received: 05/04/2016
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: Afni, Inc.
State: GA
ZIP_code: 302XX
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 made several attempts to contact AFNI Collections through correspondence of mail asking to validate the debt. No response was ever received from AFNI. On XXXX XXXX I sent an email asking for it to be deleted. Two days later I received an email from AFNI saying they were no longer handling the account and will submit a request to the credit bureaus to have item deleted. Here it is no deletion has taken place on my credit files. I called the credit bureaus on XXXX XXXX and were told nothing had been submitted electronically asking them to delete the item.


Date_received: 05/24/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: OH
ZIP_code: 430XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
6 years ago i am in a loan modification with ocwen loan servicing i have the documents for the first 5 years its 1 percent second 5 years 2 percent, i am in the second year in which i should pay XXXX a month, i understand escrow goes up a little for insurance and taxes but mine went up XXXX dollars for XX/XX/XXXX, XXXX, and XX/XX/XXXX from XXXX to XXXX and now XX/XX/XXXX is XXXX what the heck is going on, you ca n't get a clear answer and they ca n't explain it now they want me to do a new modification so they can get more escrow. second they sent a letter stating i owe over a XXXX dollars in which i do n't, if you take XXXX for 3 months is XXXX and i pay XXXX for 3 months like i should that is XXXX in which is XXXX not over a XXXX dollars i talked to them several times and i get a different answer every time these people are idiots and you ca n't talk to them, i had read several complaints about ocwen loan servicing, my escrow was XXXX times XXXX is XXXX my insurance and taxes is XXXX now they want XXXX a month in which is XXXX why why why, like i said i can understand a little but not XXXX dollars i never seen a mortgage bounce from XXXX to XXXX for 3 months and back down to XXXX,


Date_received: 05/05/2016
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: MA
ZIP_code: 021XX
Submitted_via: Servicemember
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:
I just learned of an overdraft on my account and unaware of the occurance. I believe the transaction was fraudulently done. I currently have a temporary debit card. I currently have a negative account with Bank of America now in the amount of about {$350.00}.


Date_received: 05/18/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company: JPMorgan Chase & Co.
State: TX
ZIP_code: 774XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
This property has sat unoccupied and with little maintenance by the Owner/Property Manager for a year. The Association has had to take over property maintenance. The Association has incurred a substantial amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us and have concerns that the appearance of this property has detracted from the value of their property.


Date_received: 03/23/2016
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: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have paid my mortgage through online banking for years. My mortgage has been sold from XXXX to Greentree to Ditech. My mortgage company, Ditech has tacked on late fees and unauthorized charges. I have not been late with my payments, yet they put my payments in an unapplied funds and the monthly balance never goes to XXXX so these fees keep adding up to where my statement says I 'm two months behind, Now someone is coming to my house and cutting the grass when we are not there and I feel they are going to add some more charges to my account. I stopped answering their phone call because they were not trying to help solve the issue and the represenrtative was rude and they call and harass us at all times of day and night.


Date_received: 04/01/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Money was not available when promised
Company: MoneyGram
State: AL
ZIP_code: 366XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have a daughter that lives here XXXX but works out of XXXX. I went to MoneyGram Payment System inside of Wal Mart XXXX to send her XXXX dollars which they charged me XXXX dollars to sent so that she could get her car out of the shop. I started this transition with them at XXXX. My daqughter went to Wal XXXX in XXXX XXXX on XXXX XXXX to pick up her money and they would not release it to her she had the reference number and the pin number XXXX made a call they put me on hold I was hung up on XXXX trying to get her the money before the car shop closed explain this to the operator XXXX with no help except getting a lost call w I then went back to Wal Mart to try and get a refund or to get the money push through and they had pit a block on my cash money that I had given them. I called and the Wal Mart employee called we were XXXX on hold until XXXX before we could get any help and then he ask all kind of questions by the time we got everything cleared the body shop was closed so my young daughter has to find a hotel for the night and now she has to find a way back to Wal Mart to try again to get her money and then to get her vehicle. This was the first time I ever used Money Gram and I promise you it is my last. remind you they charged {$54.00} just to go throught all this.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: OR
Subissue: 972XX
Company_public_response: Consent provided
Company: Web
State: 06/30/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I am asking that Citibank uphold its promise and rightfully award me the bonus points that I deserve. It is not right and outright cheating that they do n't have to uphold their end of promises or pull such bait and switch strategy and get away with it.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: KY
Subissue: 402XX
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
It has been going on for a year now and we can not deal with health issues any longer ( XXXX ) which we did not have in the last 9 years so i am requesting that this {$7300.00} is charged back to XXXX XXXX. Residential legal action takes 2 years or more and cost is not contingent on wining the case so i can not risk spending everything i have on legal fees and still have to repair the home at my cost in the end or it dragging out longer but if necessary will go that route.


Date_received: 06/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: FL
ZIP_code: 329XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX has over charged with their over charge in fee 's and other cost 's, that should not even be legally charged to customers. After ending my services with them they went ahead and continued to over charge in fee 's and other charges.


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Southern Management Corp
State: TN
ZIP_code: 378XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Covington Credit in XXXX, TN, has been making excessive phone calls on a debt of under {$1000.00} belonging to my mother, who is in XXXX ill health, to the point that I am not responding, because when I do respond, they demand to her in spite of her ill health that renders her unable to leave the house, be left alone, or follow a conversation on some days. Today, XXXX XXXX 2016 at approximately XXXX, an associate with Covington Credit, XXXX XXXX, obtained my father 's ( my mother 's ex husband, who also has several health issues ) cell phone to call me, and used it to use threatening and abusive language towards my mother, specifically implying that she was a liar when she explained about her poor health and that for several months we had to choose between paying this debt and keeping the electricity on, and yelling at her over the phone while my father was trying to get his cell phone back from him, at which point he took my father 's cellphone out of his presence, and yelling at her, exacerbating her health problems. He also threatened police action on what is a civil matter, and demanded that she be in his office by Friday, XXXX XXXX, in spite of her repeatedly telling him that she could not make the almost one-hour trip that is physically exhausting for her, until XXXX XXXX, nor would she be able to commit to any sort of payment until that date. I am also making this report on behalf of my father, who informed him that he did not appreciate his conduct. I was a witness to this conversation on my mother 's end, as we turn speakerphone on when my father calls so that we can both talk to him. My father only only went in there to inquire as to what arrangements could be made, and to inform them that we would be in on XXXX XXXX to discuss payment. Due to the conduct of XXXX XXXX, we feel unsafe entering this business. My mother 's name will be the one appearing in the personal information field, as will my email address, as she does not have one.


Date_received: 05/20/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: OK
ZIP_code: 740XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016, I sent check number XXXX to OCWEN. The amount of the check was {$15000.00}. I also included a request for a pay off amount after the payment was applied. I contacted OCWEN on XXXX XXXX, 2016 to find out why the check had n't cleared my account. I was informed that the check would be returned since it was n't enough to pay off the loan. I asked for the payment to be applied to my account and I would request the pay off after it had. The customer service representative agreed to this request. As of today, the check still has n't cleared my account. I have submitted a screenshot of my checking account balance to show that the funds for this payment are available. I have had nothing but trouble with OCWEN since they took over the loan. I want my payment applied and a payoff amount sent.


Complaint_ID: Yes
Date_received:
I had a balance on a XXXX gas card. I was XXXX in XXXX and ultimately declared " XXXX '' by XXXX Court in a lawsuit against the XXXX. In XXXX XXXX corrected XXXX and I am now back to work and fully solvent. During my XXXX I was in active touch with XXXX XXXX XXXX Bank asking them to work with me XXXX. They said they would. Subsequently


Product: oddly
Complaint_ID: Yes
Date_received:
I shortly heard from XXXX XXXX XXXX. They sent me an completely out of bounds letter that violated the FDCPA in several letters. My complaint to them resulted


Date_received: I reached out in writing
Product: with documentation
Issue: therefore
Complaint_ID: Yes
Subproduct:
 to all XXXX bureaus and asked them to delete the XXXX account. They said it was correct reporting. I said it was a violation of FCRA because I have no opportunity to resolve the debt and


Product: but the lender says they no longer own the debt. Ok
Complaint_ID: Yes
Date_received:
I am asking your guidance regarding my options on how to resolve this issue. I have an account I would like to settle to improve my report


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: CA
Subissue: 945XX
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: No
Date_received:
The first time was this past Monday, XXXX XXXX and the rep claimed she removed my work phone number from the database. I got another call this morning and told that rep that I will file a complaint if they call here again.


Date_received: 04/28/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company: AES/PHEAA
State: TX
ZIP_code: 750XX
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:
upon investigating the issue with XXXX XXXX, I discovered that the loan was brought by FED loan servicing around that time frame and was advised by the representative not to make a payment because they were buying the loan at that time. well now FED loans is giving me a hard time about getting this information which could clear this issue on my credit report. I need them to get me that information.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: U.S. Bancorp
Issue: OH
Subissue: 430XX
Company_public_response: Consent provided
Company: Web
State: 07/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Through the attached e-mails and closing disclosures, it is CLEAR that the regulations were NOT followed and left my wife and I in a situation where we had to either pay the increased amount or be in breach of contract and risk a lawsuit of close to XXXX dollars. This caused us great distress and anxiety and thus we are filing this compliant to ensure not only justice for ourselves but more importantly for all of the other people who have also fallen victim to US Bank Home Mortgage 's gross negligence and belligerence.


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_public_response: Company believes it acted appropriately as authorized by contract or law
Company: National Credit Systems,Inc.
State: OH
ZIP_code: 432XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
in 2011 XXXX located at XXXX XXXX XXXX XXXX XXXX, OH XXXX charged me {$3900.00} for an apartments i co-signed with my ex wife. First, They refused to show my wife the apartment before signing the lease. After signing the lease the actual apartment was filthy, muddy and had sign of roaches. My ex-wife asked to cancel and they refused. They stated they would charge us XXXX months of rent regardless they rent the place the next day. They did surprisingly. It 's been reported on my credit with National Credit System, a collection company. When i contacted the manager for XXXX XXXX they refused to talk and stated i would have to talk to the collection agency. This is a violation of my rights as a peaceful citizen and a tax payer. This is a fraud since they key was never handed to us and we never had to move either since they refused to show us another apartment or even cancel the lease which they promised to do if we did not like the apartment. This place is a total bluff and a scam.


Date_received: 05/20/2016
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: Barclays PLC
State: CT
ZIP_code: 063XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Barclay card is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). I did receive an email from a XXXX XXXX whom Ive been unable to reach by phone, he requested a phone conversation. He was advised I could pay XXXX by end of month, however, he was unable to comply with lowering payment amount. Again, the account is past due and over limit, there are additional late and over limit fees added on. I checked the account today, XX/XX/XXXX, it still shows XXXX due. Please do not mark this as duplicate, additional information is enclosed. The account in question ends in XXXX


Date_received: 05/20/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: Williams & Fudge, Inc
State: SC
ZIP_code: 297XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This individual contacted my father, who is in another state, and disclosed that he was collecting a debt to him. I have not lived with my father in over XXXX years. They made ZERO attempt to contact me before calling my XXXX father.


Date_received: 05/13/2016
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: OH
ZIP_code: 432XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I signed up for a XXXX account in XXXX with a XXXX XXXX miles offer attached to the account. I met all of the requirements in order to receive the miles in XXXX, and also contacted Citibank through secured messages, calls and live chat to ensure that I was qualified and would receive the miles. All of the representatives confirmed that I met all of the requirements and the bonus would be posted in XXXX at the latest. However, I did not receive my bonus and decided to contact Citi. Citibank refused to honor this promotion by saying that I was not targeted for the promotion. This behavior is unacceptable as all of the representatives at Citi told me that I met all requirements and should get my miles. If I was not targeted, they should not have told me so. They delayed the time the bonus got posted and then refused to honor it in order to charge monthly fees on my account.


Date_received: 06/21/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Company_public_response: furthermore
Company: I am a client too
Complaint_ID: Yes
Consumer_narrative:
My credit was compromised in XXXX which has created ongoing problems and aggravation. I have spend hundreds of personal man hours and XXXX dollars paying monitoring fees to the bureaus and consulting fee to various companies to attempt have my credit history accurately depicted. Most recently, someone made numerous attempts to obtain credit using my social security number in XXXX of XXXX. I had a fraud alert on my file prior to this most recent intrusion. My complaint is the following : 1 ) I was not called by any of these creditors at the time of inquiry because Equifax did not have my telephone number included in my fraud alert 2 ) When I called to notify Equifax that I did not authorize these inquiries, they presented a flawed interpretation of the FCRA which was grossly inconsistent with XXXX and XXXX. I told Equifax to contact these creditors and have them prove I made these inquiries. For example, request the application that was submitted. See what address was used, compare signatures, speak with the loan officer etc. I explained that these creditors can not prove that I applied for credit because I did n't do it!! XXXX and XXXX removed these false inquiries with no problem! Equifax said that the law does not require them to verify that these inquiries are valid only that they occurred. That fact that they occurred, makes them a matter of factual record. What!!? If someone steals your information, and applies for credit, of course it occurred! They said that I have to do their job by investigating each inquiry and then requesting the creditor to contact Equifax and rescind the inquiry. Excuse me? You do n't get to cherry pick through a Federal Law and decide what parts you feel like complying with. The rep made the comment that the " creditor is their client not me ''. That has no bearing on Equifax 's obligation to fairly report my credit

State:
 because I pay for their subscription service. I insist that they comply with the law and do their job verifying that I arbitrarily and inexplicably decided to appliy for credit XXXX times in XXXX of XXXX. Or

ZIP_code:
 they can pay me a {$25000.00} consulting fee to stop my life and travel to these creditors to investigate these inquiries to find out what I already know. Pardon my sarcasm

Submitted_via:
 but their position on this matter is laughable and offensive. How dare they take this monarchal approach that I 'm guilty until I prove myself innocent


Date_received: 05/07/2016
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: MA
ZIP_code: 021XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Citibank ran a promotion XXXX promising XXXX XXXX XXXX points to consumers who signed up for a new Citigold bank account and followed certain steps including making bill payments and minimum purchases via debit card. The promotional code for this offer was widely available on the internet ( example link : XXXX ). I called their phone number, provided the code, and was told that I qualified for the promotional offer so I opened a bank account. I met the other requirements ( minimum spend and bill pay ) as required and proceeded to wait. After several months I inquired about my points and was told I needed to wait until 90 days after a certain date. Recently, I inquired again and was told by online chat and phone service that I qualified and would get my XXXX points. But secure messages then contradicted this. I have called multiple times and in spite of initial assurances that I qualify for the promotion and the points, supervisors later step in to say that I do not qualify because I was not properly " targeted '' for the offer ( widely available online ). I have given Citi my business and fulfilled their requirements. I want them to honor their end of the deal and give me the promotional bonus I was promised."


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Caliber Home Loans, Inc
State: MD
ZIP_code: 208XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I applied for a hamp loan approximately 4 years ago have gone thru over XXXX different loan officers and have been told that i qualified for loan only to be changed to another person. What i have gone thru is so unbeliveable that i was directed to go public and they gave me your email plus another to see if you can investigate because i have no were else to turn, I have done everything they asked over and over just to end up losing my house i have been in for XXXX years due to there mistakes and there is nobody to hold them accountable. i have put out large sums of money and have all the paperwork to back up everything that i have had to endure thru this nightmare.


Date_received: 03/23/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
State: Company believes it acted appropriately as authorized by contract or law
ZIP_code: Ditech Financial LLC
Submitted_via: OR
Date_sent_to_company: 971XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 03/23/2016
Consumer_narrative:
My current Mortgage holder sent me an Escrow Analysis Statement in XXXX 2016. On the form, after review, I found countless errors in the statement. I called the Mortgage holder and they agreed there were errors, and they sent me a revised statement, that still contained errors. At this point, they refuse to do another analysis claiming that their numbers are correct. I spoke to a supervisor and she refused to honor my request for another look into the statement. Currently my mortgage contract states that 2 months of escrow may be held in reserve. The are asking for {$60.00} additional to supplement the " projected '' low balance

Company_public_response:
 when in fact it is only about {$10.00}. The original statement they sent was asking for over {$400.00}

Company:
 but I could not make any of their numbers match up. I suspect they are doing this to XXXX customers as well. I have a signed contract with these people and they are failing to abide by that contract or the fair credit lending act."


Date_received: 05/08/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
ZIP_code: as I have learned through my own research is policy. To the best of my knowledge
Company_response: CA XXXX
Timely_response: and the telephone number of the branch manager is XXXX ( name is XXXX )."
Consumer_disputed: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint_ID: Wells Fargo & Company
Consumer_narrative:
I withdrew {$250.00} directly from the Wells Fargo bank teller on XX/XX/XXXX at around XXXX, and was given XXXX {$100.00} bills and XXXX {$50.00} bill. I needed the cash to exchange for XXXX currency on my upcoming trip to XXXX. When I got to the currency exchange stand in XXXX, I was informed that they could not accept XXXX of the {$100.00} bills because it was counterfeit. They returned it back to me after writing " COPY '' on it. Upon my return to the USA

Company_public_response:
 I took the marked bill to the same Wells Fargo branch where I took out the money and explained what happened. They confirmed that it was counterfeit

Company:
 but informed me that they could not do anything about it because I had already left the "" store '' with the counterfeit money. I asked if they could review tapes or confirm who the teller was

State:
 but they said it would not help since I had already left the store. They were condescending and rude. i closed my account immediately and withdrew any remaining monies in the form of a cashier 's check. I took the counterfeit note to the XXXX

Submitted_via:
 the bank has not reported the incident nor are they looking into the distribution of fraudulent money. I spoke to the service manager while I was there

Date_sent_to_company:
 but I was not able to speak with the branch manager ( nor was this option offered ). I have also not been able to get a hold of the branch manager by telephone. The Wells Fargo branch I went to is at XXXX XXXX XXXX XXXX XXXX


Date_received: 05/05/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: IN
ZIP_code: 462XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked IMC Credit Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 08/01/2016
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: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 08/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ditech Financial LLC, is playing some kind of game to put me into default on my mortgage. They stopped sending me monthly billing statements back in XXXX ( see last statement, attached ) and although my name is the primary name on the mortgage, and I have written all the payment checks, they sent their default letter addressed to my wife back in XXXX. I paid the balance due plus the next months payment and included a copy of their default letter, noting on it that they were not sending billing statements ( see attachment ). I still, as of today 's date ( XXXX/XXXX/16 ), have not received a new statement from Ditech.


Subproduct: Equifax
Issue: NY
Subissue: 100XX
Company_public_response: Consent provided
Company: Web
State: 05/23/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
The account in question is XXXX XXXX. When I question the reporting of this account equifax responded that the account was valid and accurate which is incorrect. The amount is not correct and is causing me to be denied credit. Due to the fact that Equifax is not reporting XXXX XXXX accurately, I would like Equifax to immediately cease reporting this account.


Date_received: 05/13/2016
Product: Credit card
Issue: Late fee
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: TN
ZIP_code: 379XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I paid my credit card on time, but found a late fee on my credit card statement. I called the credit card company to ask about the late fee and I was told since my payment came from the bank on Friday, it did n't clear in time over the weekend. The customer service rep was adamant that the late fee was not refundable and this was a blanket policy that did not just apply to me, but that was across the board for anyone in my situation. I am not sure I believe her, because I have seen instances on the internet where people have had their late fees refunded. The specifics : Citibank ( ATT Universal Card ). Payment made with electronic banking through XXXX Bank. The payment was scheduled to be made on XXXX/XXXX/16, electronically with a 2 day turnaround. The due date was XXXX/XXXX/16. The reference number from XXXX for the transaction was XXXX. The Citibank statement shows the payment being received on XXXX/XXXX/16. I am asking for my late fee to be refunded or a better explanation from Citi for why it can not be. I am also concerned that this electronic payment in fact gets hung up and can not be made anywhere close to immediately. XXXX says it was to be done in 2 days. Even taking account of the weekend, the payment should have been received by Monday XXXX/XXXX/16, which would have been timely. I have some skepticism toward Citi as to whether their system is weighted to drag out payments such as mine so that they can maximize the amount of late fees they receive.


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: Franklin Collection Service, Inc.
State: AL
ZIP_code: 357XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked Franklin Collection Service 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: 05/20/2016
Product: Credit card
Issue: Payoff process
ZIP_code: and which led to the accrual of significant interest
Timely_response: I demanded that I immediately be disenrolled in the program
Consumer_disputed: and on that same call I was told I was disenrolled from the program. Recently
Complaint_ID: I noticed the same charges on my card
Consumer_narrative:
Several years ago, American Express enrolled me in a " pay over time '' program in exchange for them giving me some quantify of Amex points

Company_public_response:
 which are redeemable for certain benefits. I did not initiate the discussion about this program - my best guess is that it was a cold call or brought up in conjunction with a call to resolve an unrelated issue. At the "" point of sale

Company:
 '' I was told that this would not result in any additional charges to me as the consumer. At some point between XXXX XXXX and XXXX XXXX ( which is my best guess - and Amex has no record of when it was )

State:
 I realized that Amex had automatically been placing certain charges into this "" pay over time '' category

Submitted_via:
 whereas I would have just preferred to pay the entire charge at one time and avoid any and all interest. I was not told this would happen when I was enrolled in this program

Date_sent_to_company:
 as I clearly remember being told that no additional charges would result from this and that it was a great way to get more rewards points

Company_response:
 which is why I should enroll. When I made the realization that the point of sale representation was false


Date_received: 05/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
TRANSUNION SHOWS COLLECTION ACCOUNT THAT BELONGS TO XXXX XXXX. I CALL THE BANK TO GET PROOF THAT ACCOUNT BELONGS TO ME AND THEY BOUNCE ME OFF TO SOME ONE MAN OPERATION WHERE YOU CAN ONLY LEAVE A MESSAGE. FINALLY MESSAGE GOT RETURNED, THEY SAID THEY SOLD IT TO ANOTHER COMPANY. I CALLED THAT COMPANY, AND THEY ARE BROKERS WHO SAID THAT WILL HAVE SOMEONE CALL ME BACK WHEN THEY WILL FIGURE OUT WHO THE NEW ACCOUNT OWNER WILL BE. IT ALL LOOKS LIKE A SCAM!! I ASKED XXXX TO GIVE ME PROOF OF ACCOUNT OWNERSHIP ( I SPOKE WITH XXXX ON XX/XX/2016 AROUND XXXX EST, CALLED AT XXXX XXXX XXXX, AND ASKED RECOVERY DEPT ) AND THEY REFUSED TO ASSIST. I SAID WILL COMPLAIN TO CFPB AND THEY DID NOT SEEM TO CARE AT ALL.


Date_received: 06/14/2016
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: Argon Credit
State: CA
ZIP_code: 914XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I paid off my loan in full and they are reporting I still ow the full amount to XXXX. I filed a complaint with XXXX but the company is not responding and delaying the resolution meanwhile lowering my credit score, which they in turn used to deny me a new loan.


Date_received: 06/08/2016
Product: Debt collection
Subproduct: Credit card
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: Synchrony Financial
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Jcpenney have me on collection for nothn owed in XXXX never had a card from them. XXXX also has a collection from XX/XX/XXXX that I have never applied for or owe anything It is a couple other debts that are from XX/XX/XXXX that are pass the 7 year s


Date_received: 04/23/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: GA
ZIP_code: 392XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Bank of America refused XXXX mortgage payments from me & returned them all to my personal account stating the amounts were incorrect with no further explanation. They refuse to reaffirm my mortgage after Bankruptcy and I 've been making payments until I lost my job in XXXX 2015. I pay homeowners insurance and property taxes via escrow, yet I 'm being treated like a renter. I applied for modification during my job loss & have made several attempts to make payments. Bank of America took payments in XX/XX/XXXX & XX/XX/XXXX and has refused all others. I have been assigned to XXXX different account reps within a very short period of time & no one has any answers regarding my payments being rejected.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: WA
Subissue: 981XX
Company_public_response: Consent provided
Company: Web
State: 07/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
When all is said and done, while I did agree to co-sign on XXXX loans for my sister prior to XX/XX/XXXX, I did not authorize my endorsement for the private student loans taken in XX/XX/XXXX and XX/XX/XXXX. Also please let it be known that there is NO pending litigation on this dispute.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: TX
Subissue: 750XX
Company_public_response: Consent provided
Company: Web
State: 07/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
My signature and name are not on the loan mod. I was not a party to it. However, XXXX still considers me liable, and my exhusband 's poor payment history continues to be reported on my credit.


Date_received: 03/20/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Federated Capital Corporation
State: NC
ZIP_code: 279XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
In XXXX our corporation was issued a XXXX business card in the name of XXXX XXXX XXXX that continually harassed us for about 3 yrs and claim that the debt is owed by my husband which it is not XXXX business cards sold the the account to XXXX and XXXX who claimed to be attorneys they were not set up a settlement with us which we paid in XXXX XXXX the the corporation they never reported it XXXX kept the money XXXX on {$4000.00} they said was owed then they turned it over to a debt collector in XXXX named federated financial services which went after my husband with their attorney and said he owed XXXX with al the penalties late fees and interest every month they had the XXXX come to our home threatened us and told employers our confidential business XXXX business is bankrupt and federated has changed their name to XXXX XXXX XXXX we have paid this and do not owe anything just who are they collecting debt companies settled for pennies on the dollar and we paid them we want it removed off of my husband credit report and post as debt settled and to leave us alone.


Date_received: 07/02/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: VA
ZIP_code: 236XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Inquires not authorized being reported on credit report 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 XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX


Date_received: 05/06/2016
Product: Credit card
Issue: Transaction issue
Company_public_response: XXXX XXXX
Date_sent_to_company: though other consumers may have endured more significant harms."
Company_response: Company believes it acted appropriately as authorized by contract or law
Timely_response: USAA Savings
Consumer_disputed: NY
Complaint_ID: 112XX
Consumer_narrative:
Credit card has been denied on multiple recent occasions, and caused me to incur a {$10.00} fee with my gym for a failed monthly payment, likely due to issues with the bank 's conversion of my XXXX credit card account to a XXXX card account. My XXXX credit card ( " MC '' ) has been denied multiple times recently though the bank 's representative I called and spoke with on Monday

Company:
 confirmed that I was not delinquent ; she said the payments had apparently been declined for incorrect expiration date submissions. She confirmed the expiration date on my XXXX was the correct XXXX on file. I explained that my gym notified me that the monthly gym membership fee ( which the gym has been deducting on the XXXX of every month for over a year from my MC using the same card number and expiration date ) had been rejected and assessed me a {$10.00} fee and that other payments had also been rejected recently

State:
 including a payment for an XXXX purchase ( prior to the recent rejection XXXX had successfully processed payments using the stored MC information on multiple occasions ). I suggested that the payments had been rejected due to credit card conversion issues at USAA : my MC credit card account is being converted to a XXXX credit card. I 've been issued a new XXXX card and was told the XXXX would be good until late XXXX

ZIP_code:
 but several payments have been rejected well before the disclosed cut-off date. The agent said all she could see in the system was the reason for rejection of my payments for incorrect expiration date. I asked to lodge a complaint with USAA since I was concerned my issue could signify a more systemic issue with the credit card conversion but the agent said all she could do was make a note on my account. So far as I know

Submitted_via:
 I have only incurred a single {$10.00} fee from my gym and merely suffered inconveniences for other denied payments


Date_received: 07/01/2016
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: CA
ZIP_code: 921XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2015, I provided notice to citibank that a vendor charged my card without authorization. To date, the complaint remains outstanding. Last week, I was told an investigation had not even begun. Between XXXX XXXX, 2015 and the date of this complaint, I have contacted citibank by e-mail, by phone, and through their online secure messaging system - yet I still do not have resolution to this unauthorized charge.


Date_received: 04/25/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: FL
ZIP_code: 322XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I had bill pay set up to pay my HELOC payment ; however, had to change bank accounts due to a compromise. I went on BOA site to pay but only get option to ebill. So I attempt to set up ebill and it was the worst experience I ever seen. It is asking me to add the BOA mailing address, while I am setting it up on their website. I naturally do n't know that so I look for a statement or address on their site. No luck can not find one at all. I have to then call them and spent 30 minutes on hold and got a hold of an employee who could n't help and was to transfer me to online banking for help. About 5 minutes of holding for them, I received an automated response telling me the call could n't be connected to hang up and try again. I have never in my life seen such tactics to delay and avoid accepting a payment from a consumer such as this. I feel like they are intentionally making this difficult and then not responding to the phone so I can be late and collect fees. Please step in and help. I work in banking and I can not figure this out and their employee could n't either so what does that say for BOA. Sounds like a plan to get money!!! I would like my fees credited back for this tactic on my HELOC, credit cards and Vehicle loan. I think that is the least they can for wasting my time and creating a process that obviously will not work. Sincerely, XXXX XXXX XXXX


Date_received: 05/07/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Toyota Motor Credit Corporation
State: MD
ZIP_code: 212XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My auto loan statement from Toyota Financial Services does not include the interest accrued to date. I believe that this information is supposed to be shown on my statement ( see attached ).


Date_received: 06/21/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Company: Credit Clearing House of America, Inc.
State: IN
ZIP_code: 471XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company


Date_received: 05/07/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: Encore Capital Group
State: CA
ZIP_code: 953XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I 've repeatedly asked them not to call my business XXXX and yet continuously get 1-3 calls a day. I 've called and requested to receive information on account to my new address and they refuse as told this is not the address the account was set-up. I also continue to tell them I do n't give information on the phone due to possible fraud activity and they refuse. I 've received threats coming to my work to serve papers.


Date_received: 04/20/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: KS
ZIP_code: 660XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
My husband deposited {$1800.00} through a Bank of America ATM on XXXX/XXXX/16. The deposit was done in cash. The ATM malfunctioned and only credited {$300.00} to our account. I have filed a claim and have gotten no where. The bank refuses to credit the missing {$1500.00} because, " the account is too new and you have n't had a large cash deposit before. '' They are refusing to escalate the issue. I have been told that the machine did not malfunction and it was insinuated that we were not being truthful."


Date_received: 07/01/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a letter from Wells Fargo today that my credit card was closed for inactivity. I am unable to access online statements associated with this account, even though Wells Fargo 's website says that online statements would be available for 2 years. I want my account reinstated/reopened. And I want Wells Fargo to fix their website so that I can view my online statements from this account again. Under Truth in Lending Regulations ( Z ), credit card companies are required to furnish periodic statements and have proper record retention practices. If I ca n't access my statements from year 2015, they are in violation of these regulations. These companies always want people to switch from paper to paperless statements as a cost savings and convenience measure. However, when it 's time to access the online statements, they 're unavailable.


Date_received: 04/06/2016
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: AR
ZIP_code: 727XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Specialized Loan Servicing LLC
Issue: CA
Subissue: 927XX
Company_public_response: Consent provided
Company: Web
State: 05/04/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
SLS asked for insurance, I sent, repeatedly, spoke to them on the phone, they kept sending notices that they were going to force place insurance, and I would respond and give them my insurance. They force placed the insurance, I FINALLY got them to UNDERSTAND, that I HAD the insurance. They said they would remove the insurance. They send me a refund check of approximately {$700.00}. This month my mortgage payment went up {$280.00} for additional escrow charges ( CHARGED MIND YOU, THAT I SHOULD N'T HAVE ). The only thing they said I could do is send a written dispute, but I have to pay the inflated amount otherwise my mortgage payment would n't posit. My taxes have not increased, my PITI payment had been and should be XXXX. This month they are demanding {$1500.00} and I 'm told next month will be {$1300.00}. I should n't have changing payments because my taxes have not changed, and they do not do my insurance, my HOA does.


Date_received: 05/18/2016
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: TN
ZIP_code: 372XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890


Subproduct: JPMorgan Chase & Co.
Issue: CA
Subissue: 945XX
Company_public_response: Consent provided
Company: Web
State: 04/22/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Time is of the essence Your assistance is greatly appreciated, XXXX XXXX ( Realtor on behalf of seller )


Date_received: 05/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Within in my credit report I have that in 2010 I filled for unemployment, when this is impossible as I am self employed. On my son 's report ( he has the same name as me ), he has that he has paid a few vehicles, which were mine. So it looks like we have mixed information.


Date_received: 04/26/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
ZIP_code: I plan to retire in the next 3 to 4 years. I am already having health issues. When I retire
Date_sent_to_company: thanks to my lender 's "" miscalculations ''
Timely_response: in addition to talking with him
Complaint_ID: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative:
I purchased a house on XXXX XXXX, 2015 - financed through XXXX XXXX XXXX out of XXXX XXXX, CA. I obtained a FHA fixed rate loan - payment {$2100.00} mo. I received a notice from my bank a couple of weeks ago stating that my payment is going up $ XXXX month!! This raise is due to insufficient impounds. I am short {$4500.00}. In addition, my payment will not be {$2100.00} a month, but {$2400.00}. In reality, my payment was NEVER going to be the {$2100.00} a month I had agreed to. Although I know that taxes can change when you buy a house, this amount is unreasonable. Also, my country tax assessor informed me that my taxes did not go up, they went down. I know that all parties were aware that my taxes were high and that I have a XXXX. I not only spoke with the real estate lady about the high taxes, I also talked with the lender on several occasions about my high taxes. I feel that my lender intentionally misled me as to my monthly payment knowing that I would not accept the {$2400.00} payment, I would not have bought the house. I had told the lender I would NOT do a {$2400.00} mo payment on numerous occasions during my house hunting and during the loan process. The lender asked me if I would do the $ XXXX month payment, and I agreed. When I recently confronted the lender with my " new '' payment amount

Company_public_response:
 he claimed they calculated my taxes at the allowed XXXX % of the sales price. When I was obtaining my loan

Company:
 I had spoken with my lender on several occasions about my taxes being high and he assured me that the payment he quoted me accounted for piti. I feel the lender deliberately misled me into believing that my payment would be {$2100.00} a month

State:
 knowing that a year later I would find out the truth and could do nothing about it. I am a XXXX year old single woman. Although I have a good income at this time

Submitted_via:
 my income drops considerably. I will not be able to afford to pay a $ XXXX monthly payment. My goal was to use my extra income to pay on the principal for the next 3 years and then refinance to a lower payment when I retired so I could afford the monthly payment. Now

Company_response:
 I will not be able to afford my home in 3 years and will be forced to lose it or sell my home. I no longer have the "" extra '' income to pay my loan down thanks to my new payment. The reason I know that the lender was aware of my high taxes

Consumer_disputed:
 is it was disclosed on the preliminary title report which the title officer said all parties received. I thought that California was a full disclosure state - I hardly think that {$720.00} a month or even the {$260.00} a month increase in payment was full disclosure. I know people who do n't qualify for their loans based on those amounts. I thought I was protected and safe with a company referred to me by my XXXX XXXX XXXX and with a FHA loan. I am now worried about whether I will be able to keep my home and feel very cheated and violated."


Date_received: 04/28/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Credit decision / Underwriting
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: MD
ZIP_code: 210XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Was denied a home equity line of credit after a 2 1/2 month application period in which I was continuously asked to provide additional income, tax return information and supporting documentation. Due to the extreme length of time to make a decision, Bank of America has pulled XXXX credit reports which has reduced my credit score and prevented me from being able to apply through another lender. I was told that my debt to income ratio was too high and credit score too low to be approved. This decision was reached after a 2 and a half month process? Had this decision been conveyed in a reasonable time frame I would have been able to apply through a different financial institution without additional credit being pulled and reducing my credit score. Every time the bank has asked for additional documentation, it was provided by my wife and I in a timely fashion. I would ask that the board investigate both the reasons for loan denial since it was not clearly explained and why the process took 2 and a half months to make a decision after telling me that my income, debt to income ratio and credit were not an issue.


Date_received: 03/21/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: FL
ZIP_code: 334XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
green tree, know it call ditech was change my loan payment no notices why, no information what was going on no one to talk to me you can not to with escrow about your loan. One of the employee was demanding XXXX in a cash year check made out to cash or they would make sure l was homeless ruined my credit report l have been paying my homeowner insurance and property taxes. l can not get any help


Date_received: 05/20/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Company: ACS Education Services
State: MD
ZIP_code: 217XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I graduated college in 1999 and was a XXXX who did not make enough to pay the bill. I have since changed careers and make enough to pay the minimum payment but my balance is not going down. My loan has doubled in size. I need help.


Date_received: 05/12/2016
Product: Credit card
Issue: Late fee
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: 05/12/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Charged XXXX late fee on multiple credit card accounts after setting up all payments online. They say payments were never setup I know they were setup as they are every month when they are received. They are paid in full and rarely is a balance kept on any of our cards. Here is the problem, you go in pay all your bills and then never get your email confirmation. You think they must be having a slow server or software problems. If they are they will not admit it and blame you for the late payment. You do receive an email saying your account is past due and your payment never posted. This is a scam and they know it. The electronic banking system is flawed and they know how to take advantage of online bill paying. So no email confirmation means they are collecting late fees from people who are actually making their payments on time and all they have to say is no email confirmation was sent. So they made their XXXX but lost us as Citibank customers ( XXXX of credit line ) for life. So beware of this practice. Which, if you charge a XXXX people with a XXXX illegal late fee you just made XXXX XXXX illegally and got away with it. Most people wo n't persue it but with a family of lawyers we may file a class action suit. XXXX is not the issue it is an issue to not take responsibility for your poor banking practices.


Date_received: 04/28/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: there 's nothing we can do '' response. After a lengthy discussion
Company: I was eventually transferred to a customer service representative
ZIP_code: but had also failed to correct it on XXXX/XXXX/2016
Company_response: attempting to collect these erroneous escrow and late fees ; threatening that if I do n't pay
Timely_response: my credit could be impacted
Consumer_disputed: etc.. Since purchasing my home
Complaint_ID: I have always paid my proper mortgage amount
Consumer_narrative:
In XXXX 2016, my mortgage company ( ditech ) completed a new escrow analysis and erroneously entered a duplicate property tax amount of $ XXXX- which in turn caused my escrow estimated payment to nearly double. On XXXX/XXXX/2016, I contacted ditech via phone and brought the error to their attention. The representative confirmed the error and assured me that it would be corrected. From XX/XX/XXXX-XX/XX/XXXX, I continued paying my normal mortgage payment amount. No further correspondence was received until XXXX/XXXX/2016, when I was contacted via phone by a ditech rep. and advised that I was now " delinquent '' on my mortgage payment since the ( inflated ) mortgage payment was not being paid. I was also informed that I was now accumulating "" late payment fees ''. I advised the rep. of the incorrect escrow analysis and my prior contact on XX/XX/2016 to which I received a "" sorry

State:
 who subsequently contacted my local property tax office and confirmed the proper tax amount. Even after she acknowledged that ditech had not only mistakenly duplicated the tax amount

Submitted_via:
 and also failed to notify me of the failure to correct it -- I was still told by this customer service representative that I was "" responsible for paying the incorrect amount due anyway '' and that "" when ( they ) eventually sorted it all out

Date_sent_to_company:
 the difference would be applied to my principal ''. I have since received several additional phone calls


Date_received: 05/09/2016
Product: Credit card
Issue: Billing disputes
Company: Capital One
State: CT
ZIP_code: 063XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Capitalone is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). I did make a payment in the amount of XXXX, however, a stop payment had to be placed due to insufficient funds. My paycheck amount this week is lower than usual due to a payroll discrepancy, a stop payment had to be placed as the payment was already in process.


Date_received: 05/17/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company: Navient Solutions, Inc.
State: OH
ZIP_code: 432XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX 2015 I contacted Navient to set up a reduced Payment plan for my monthly payments. The representative at the time was setting it up for 6 months to bring the account current and then the next 6 months to be paid on time. I had started receiving phone calls in XXXX informing me that I am $ XXXX passed due. I informed that I had a payment plan set up and should n't be passed due. After they investigated they told me that the representative back in XXXX did n't calculate the payments correctly. I had asked for them to correct it to show it not passed due, due to the fact that they had messed it up. They told they would not and that and can only bring the account current if I made the pass due Payment which was n't my fault.


Date_received: 06/13/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
ZIP_code: 301XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Collection services of Athens is attempting to collect a debt from me and I never established a contract with this company. Furthermore collection services of Athens is currently reporting negative information onto my XXXX credit report indicating that I owe XXXX amount of XXXX and a additional amount for XXXX dollars.


Date_received: 06/13/2016
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: Encore Capital Group
State: NJ
ZIP_code: 077XX
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:
XXXX is trying to collect on a debt to XXXX that number one is not my account and the account that i did have with XXXX is over 9 years old and they have an account number that doesnt belong to me.


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: TCF National Bank
State: MI
ZIP_code: 482XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
TCF bank says i cashed a check written out to me for XXXX dollars off of account that didnt have XXXX dollars in it.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Company: Equifax
State: MI
ZIP_code: 482XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have disputed this inaccurate data fro over 2 months, They are not giving me a date of when I can expect to have it complete or resolved or to confirm. I have included my efforts, as you can see they have it listed under dispute with no due date, it has been in limbo almost 60 days


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company: Encore Capital Group
State: CA
ZIP_code: 948XX
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:
I was contacted at work after receiving a phone call to my staff and had the call transferred to me regarding a debt. They also threatened legal action.


Date_received: 05/03/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: FL
ZIP_code: 336XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Bank of America is in the process of modifying my mortgage. Bank of America has misled me by charging me for services never performed. The charges make my true payoff significantly different than the true balance.


Date_received: 05/14/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Santander Bank US
State: PA
ZIP_code: 171XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
Santander Bank did not process and route check properly, Santander Bank did not present check to Federal Reserve, Deposited on XXXX/XXXX/2016. Returned check with unauthorized marks Frozen/Blocked Account. Spoke with XXXX, she refused to honor the rights of a substitute Check Warranty.


Date_received: 05/19/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: NCB Management Services, Inc.
State: TX
ZIP_code: 761XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This company continued to contact my work phone number after receiving notice that calling the number was not allowed. The debt was under dispute with the credit bureau and when I spoke with someone regarding the continued calls and asked that something written be sent in the mail regarding the debt since it was under dispute due to my lack of knowledge of the debt. I was informed that I could " play this game all day. ''"


Date_received: 04/12/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: Equifax
State: NJ
ZIP_code: 082XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The above dispute # is for an incorrect name, XXXX. They still had only my married name & i have been divorced for over XXXX & legally reverted to my maiden name in the divorce decree. I tried to correct online & had trouble signing in since the security questions had nothing to do with me. I called & tried to explain the name change, thought all was settled, Found out that a few days later that instead a Fraud Alert was placed on my account. I called again & tried to have it removed. Also, called XXXX & XXXX since I got a notice from XXXX that a Fraud Alert had been placed. I have since called & finally was able to get someone that immediately updated my name after pulling copies of my drivers license & SS card that I had sent earlier in the dispute. But I have been unable to get the fraud alert lifted, I applied for a credit card & had to send copies of my DL, SS & Bank statement to prove it was me applying. I do n't plan on any applications in the near future but would like to have this Fraud Alert removed since I never requested it. Thank you for your anticipated help.


Subproduct: Navient Solutions, Inc.
Issue: NY
Subissue: 112XX
Company_public_response: Consent provided
Company: Web
State: 05/20/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I am asking for help because the risk of being taken to court and defaulting on a loan would cause significant hardship for me. I have every intention of restarting payments upon achieving employment, but Navient is not interested in extending any significant protections to me as an account holder. I find it perplexing that there are little protections in place for people who earn below the federal poverty level.


Date_received: 05/10/2016
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: MD
ZIP_code: 208XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The short sale package was submitted for review in a timely manner. SPS has continuously throughout the review process ask for documents that have already been submitted to be resubmitted again. Delaying process over and over. Most recent submitted of a hardship affidavit was submitted on XXXX/XXXX/16 at which time i was told file was in review for a decision. I called on XXXX/XXXX/16 to follow up on receipt of affidavit it was confirmed received and i called on XXXX XXXX, 2016, and was told file in review. I called again today on XXXX/XXXX/16 and was told that file was going to be escalated because it was not submitted in review on XXXX/XXXX/16 as it should have been. Now we are going to have to wait again for review without a specific time frame and are going to lose the buyer due to these inadequacies by short sale lender. Original short sale package was submitted on XXXX/XXXX/16. There should be a comprehensive review and specific as to what items are missing or need to be supplemented so they can be provided at once within a 30 day period. Instead every time i called they requested for an additional documents. Delaying process to the detriment of the seller and buyers.


Date_received: 05/08/2016
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: Escallate, LLC
State: PA
ZIP_code: 184XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is not a valid bill. The hospital was given my insurance information and they have never contacted the insurance holder of any balances due.


Date_received: 05/17/2016
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: NC
ZIP_code: 271XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My husband and I sold our home in XXXX, XXXX XXXX. We paid our portion of the property taxes during closing to the new owners and they were to pay the taxes for the remaining portion of the year when the bill came out XX/XX/XXXX. They were late in making the payment. As a result, a predatory collection agency paid the taxes and put a lien on the property. They sent the new owners a bill for the taxes due and a hefty fee to remove the lien. She then paid the bill and the lien was removed a few months later. We were made aware of this when a credit report was pulled for my husband and I during our NC home purchase process. It seems that XXXX County does not immediately update the tax database when a home is sold to show the new owners. They wait until they issue the next tax bill. Our names stayed in the system from XXXX XXXX until XXXX XXXX when the next bill was sent out. When the new owners were late in making the payment, XXXX County sold the debt to this collection agency. It seems this is a controversial process they use to make it seem like they have a lower percentage of delinquent tax bills. There is big money involved. My home was nearly {$800000.00} and I do n't know if this collection agency does this for all price points, or just singles out higher priced homes. I filed a complaint with TransUnion and their solution was to show on my credit report and my husbands, that there was a lien and it was paid off. I explained everything, sent documentation and they think it is acceptable to simply say the matter is resolved because the lien was paid off. It never should have been on our credit reports to begin with. I will have to explain this every time I apply for large amounts of credit. As someone who pays bills on time and has a very good credit score, I want this removed from our credit reports. It was n't our lien.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: EOS Holdings, Inc.
State: VA
ZIP_code: 225XX
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 applied for a job with a credit union in the security department. They informed me I had a bad debt with XXXX on my credit report and needed to resolve it in 30 days or I would lose the job offer. I contacted XXXX and was informed they had no record of me having an account currently or in their archives owing a debt of any kind. They refused to remove the negative credit account stating they were not reporting it. I called the number from the credit report and was told they were a debt collection agency. I believed this was an Identity theft issue however I did not have the time for an investigation. I paid the account with the collection agency, XXXX XXXX, in full due to time constraints. This was XX/XX/2016. I am now being billed by another credit collection agency, EOS CCA for the same XXXX account.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: TX
Subissue: 774XX
Company_public_response: Consent provided
Company: Web
State: 05/17/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Additionally the website is overly confusing and just getting a simple credit report - from ALL of these outfits - is unduly complicated."


Date_received: 07/01/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Company believes it acted appropriately as authorized by contract or law
State: Kansas Counselors of Kansas City, Inc.
ZIP_code: MO
Submitted_via: 640XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 07/01/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I signed up to check all XXXX credit reporting bureaus on the " Score Since '' website on XXXX XXXX XXXX. On XXXX and XXXX I noticed a negative report that I was n't notified of by phone or mail on this negative account. It was reported to both credit reporting as being Reported Since XX/XX/XXXX Date of Status XXXX/XXXX/XXXX Last Reported on ) @ XX/XX/XXXX for the amount of {$570.00} Terms 1 month. Reported from Kansas Counselors Inc. XXXX. XXXX XXXX XXXX XXXX

Company_public_response:
 KS. XXXX # XXXX. I have never received a statement by phone or mail. I have resided at the same residence for 6 years XXXX XXXX and the same phone number. I called K.C.Inc. on XXXX XXXX to file a dispute with them was told "" I could n't file a dispute '' ... '' I might as well just pay it '' ... '' who pays my bills? "" .... It was a very humiliating and demeaning response!"


Date_received: 05/10/2016
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: MN
ZIP_code: 554XX
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:
On XXXX/XXXX/15 I opened a XXXX checking account with an offer stating I would receive XXXX XXXX miles ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX miles to be deposited into my account by XXXX XXXX, 2015. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from SEVEN months ago showing the offer. I do n't keep mail around for seven months, and NOTHING was ever said over the past 7 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of XXXX XXXX. I 'm not alone. XXXX of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.


Date_received: 04/04/2016
Product: Money transfers
Subproduct: International money transfer
Issue: Fraud or scam
Company: The Western Union Company
State: FL
ZIP_code: 321XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX refused to deliver {$2000.00} funds as promised sent to a person in XXXX XXXX. Reason is that I did not meet the person face to face and I could lose my money. I informed XXXX XXXX that I may be considered a XXXX holding XXXX XXXX degrees and a XXXX XXXX, was an investment banker at XXXX XXXX and company and the dollar amount was no a significant value for me financially. XXXX XXXX has elevated itself to the level of accepting money on the promise to deliver it to the designated recipient but decide whether it will fulfill it 's contract or not based on some undocumented concern for fraud. The failue to deliver the money as promised caused great harm to the waiting recipient. With the company pretense of preventing scammers from stealing my money, they are acting in the way of a scammer by promising something for money that they have no intention of delivering on.


Date_received: 04/05/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company: Nationwide Advantage Mortgage Company
State: OR
ZIP_code: 970XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX 2015 my husband 's was behind on mortgage Nationwide advantage mortgage send me a letter to contribute my income wich i did in XXXX while waiting for modification they foreclosed i feel i was discriminated for not using my income i have full time job and income now we have 30 days to move out


Date_received: 07/01/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a private student loan through Wells Fargo. I got behind on payments, but I knew I was starting XXXX school soon so I was looking forward to receiving a forbearance to postpone payments until I graduated. I started graduate school on XXXX XXXX. I informed Wells Fargo of this on XXXX XXXX because I knew my student loan was schedule to default on XXXX XXXX. Wells Fargo said I did n't appear on the XXXX, so I needed to get my school to fax Wells Fargo a document verifying that I was a student. I gave my school this form that same day, XXXX XXXX. XXXX XXXX was a Friday and my loan was scheduled to default on Sunday, XXXX XXXX. Wells Fargo claims they did not receive verification from my school until XXXX XXXX, so my loan defaulted and Wells Fargo is now asking for the entire balance paid in full. I believe my loan should not have defaulted because I was in school at the time, which Wells Fargo knew.


Date_received: 08/05/2016
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: IL
ZIP_code: 622XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 08/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have repeatedly requested my Bank statements from BOA at least four times and to date BOA has not delivered my Bank Account Statements as requested. I originally requested these statements due to the discovery of fraud being committed on my online BOA profile connected to my BOA Bank account. In XX/XX/XXXX I discovered my bank account was being accessed by someone else without my knowledge or permission and they had changed my address Information to an address I have never resided at and am completely unfamiliar with. I also noticed my ex-wife 's name was also list on my account where she should not have been as I thought she had been removed ( we divorced in XXXX and per our Divorce agreement this account belongs solely to me ). I contacted BOA immediately and reported this fraud, BOA told me someone was accessing my account online and asked if any money had been taken out. I informed BOA that I was unsure if any money had been removed and would first need to review all the previous Bank Statements before I could answer that question. I asked BOA to send my all the prior bank statements dating back to when the account was first being accessed by this other party online. BOA then stated there was nothing they could do unless money had been removed. This did not sound right nor set well with me so I contacted BOA again with my concerns and I asked them how long and often was this other person accessing my BOA Bank account online and BOA stated off and on since XXXX. Again BOA asked if any money had been taken out and again I stated that I was unsure if any money had been removed. Again I requested my BOA statements so I could answer that question. BOA said there was nothing they could do and my only option was to close the account, so I closed the account as instructed by BOA. This still did not sound legal to me so I started to research but due to circumstance beyond my control, I could not devote enough time to the issue at the time. My Father passed away and I was left to handle his affairs and while subsequently being the sole provider of care for my elderly mother who now has XXXX all while dealing with being XXXX and subjected to continued character assault / harassment by my ex-wife. I discovered that the repeated accessing of my online account constituted to computer fraud and online stalking. I contacted my local BOA and spoke to XXXX XXXX about my concerns and again requested my previous Bank Statements. I was told I would receive the statements via email and given two fraud complaint numbers to reference in the future. I never received the statements so I called BOA again and again I was told there was nothing they could do. My Fianc called the US Secret Service on my behalf, the US Secret Service instructed us to contact BOA again file a Fraud Complaint with BOA they needed to hear from a BOA Fraud Investigator and gave her contact information for the BOA Fraud investigator to deliver any evidence to. Again I contacted BOA this time I went to BOA in XXXX MO XXXX and spoke to XXXX on XXXX/XXXX/XXXX. XXXX informed me the Fraud Complaint numbers given to me by XXXX XXXX were fake as these numbers were not any kind of Fraud complaint numbers BOA uses. XXXX also informed me that whoever was accessing my BOA account had been doing so through my online profile from another IP address that was different from the one I normally used. I informed XXXX that my ex-wife had stolen my computer when she kicked me out of our marital home ( XXXX ) and asked if this was how someone could have been accessing my account. She informed it could be and looked to see if my ex-wife had her own online profile and discovered she did not have her own online profile nor has she ever had an online profile for this account. To date I still have not received a single statement.


Date_received: 05/10/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
State: AES/PHEAA
ZIP_code: MI
Submitted_via: 480XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/10/2016
Complaint_ID: Closed with non-monetary relief
Consumer_narrative:
I have made my student loan payments on time for the full amount since I got out of school. I have several different student loans based on the years in school and I have XXXX loans being serviced by AES ( American Education Services ). The loan issue that I am complaining about is being serviced by AES. On XXXX/XXXX/15 I went on their website and submitted an ACH payment change request. The notice that was on the change request says the following " Your existing Direct Debit agreement will be stopped. By submitting a new agreement

Company_public_response:
 we will not debit your monthly installment until the new agreement takes effect. Processing the new agreement may take up to 3 days during which time you will not receive the interest rate reduction ( if applicable ). you may be required to submit payments manually until you receive notification from us stating when the direct debit service will resume. '' After reading that statement I set up a manual payment to ensure my payment would not be late. The ACH payment change request I submitted was for an increase of {$490.00}. Despite the fact that the notice said my existing direct debit agreement will be stopped AES took out my normal direct debit amount and the manual payment ( in essence 2 payments instead of 1 ). After a month I received no written or verbal communication from AES so I called their toll free number and inquired as to why it was taking to long to make a simple payment change and I was informed that "" it had to go to a payment change committee to decide if they will allow me to have my payment increased. '' I was baffled that they would possibly not allow me to pay additional money so that my loan can be paid off sooner. They told me to wait longer and I would receive a letter within a couple weeks. After another month ( now 2 months after the initial request was submitted ) I still had not received any communication from AES so I called their toll free number again and spoke to employee ID XXXX who besides being quite rude said they could n't determine what the problem is with my request. He guessed that I should submit a manual form and mail it in. After I explained I already submitted a form 2 months ago online he said that I should just mail a form in ( despite not providing a form ) and said that the website was broken. I did not want to mail in a form for security reasons as the electronic form is more secure which is why I originally utilized their online account. I asked what he could do to fix the situation and all he said it submit more paperwork and see what happens. I asked to speak to the office of the president and a representative ( employee ID XXXX ) took my information on what I wanted my new payment to be and said he would send it to the ACH department for them to review. The representative said they would try to get back to me within 7-10 days. This issue is still not resolved and it is making me feel as though they wo n't increase my payment which will allow me to pay my loan off sooner since that will decrease the amount of interest they receive on the loan. I wish I could request a loan transfer so none of my loans are serviced by AES!"


Date_received: 04/26/2016
Product: Debt collection
Subproduct: I do not know
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Company: Bayside Capital Services, LLC
State: VA
ZIP_code: 225XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
This complaint is a follow up from my complaint submitted yesterday, ( XXXX ) please add the additional details, after leaving a message again for XXXX XXXX ( XXXX ) he called back leaving another message identifying himself as the general manager for a company called Bayside Capitol Services number he called from unrestricted XXXX, I have no idea who this company is or who they work for, they have misrepresented themselves as being XXXX XXXX XXXX to XXXX XXXX XXXX, verbal threats about coming to my place of employment and to make sure my supervisor is on hand to my home, this company has repeatedly harassed me by phone and now using my work phone, I believe this is the same company or group of people that reached out to my ex husband a few months back making statements that I would be arrested and go to jail and I needed to be found. I had someone call the number back yesterday, again this company does not identify themselves when answering the phone, only that they are with the filing department, all of them employed speak a good line and are intimidating, if you did n't know fair debt collection practices you would fall into the trap, Ive been guilty of this myself, this occurred to me XX/XX/XXXX see my previous comments, these people are nasty!!


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Rubin Lublin, LLC
Issue: GA
Subissue: 300XX
Company_public_response: Consent provided
Company: Web
State: 07/01/2016
ZIP_code: Closed
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Rubin Lublin also collected additional {$690.00} fees from the surplus of the sale after all their services had been billed and collected by the lender from me. I complained to the firm that it is atrocious, and any agreement of charges was between them and the lender who hired them. Since they were hired by the lender and paid by the lender who billed me for all fair services, under the law, any direct additional billing by Rubin andLublin is unfair under FDCPA and I do not agree.


Product: so my question is
Subproduct: why do they keep bothering Texans with advertising and solicitation?"
Subissue: Nationstar Mortgage
Consumer_narrative: TX
Company_public_response: 787XX
State: Consent provided
ZIP_code: Web
Submitted_via: 05/20/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Date_received:
This practice seems incompetent at best and underhanded at worst. To add insult to injury, they consistently and annoyingly solicit me to refinance my loan ... and this is after I have already spoken to one of their loan officers who admitted they are unable to help me because they do not have access to accurate info on my property. They claim this is a " problem '' in Texas


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Select Portfolio Servicing, Inc
Issue: PA
Subissue: 183XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/17/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I went to the post office after dinner, there is a foreclosure notice from a law firm in NJ. I will try to attach it amd send it tonight. So I look to see when it was mailed, and there is no date on the letter. It is undated. Furthermore, we are told to respond within 20 days of the receipt of the letter. And it is undated? This getting worse by the hour. It is just a XXXX page letter. No date.


Date_received: 05/10/2016
Product: Credit card
Issue: Delinquent account
Company: Amex
State: KS
ZIP_code: 672XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My account was locked which meant nothing can go in and nothing can go out but there was a deposit made into the account when it was locked


Date_received: 06/07/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: MA
ZIP_code: 027XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I disputed an account on my experian credit report many times and it keeps coming back verified. the account is with XXXX XXXX ( ending in XXXX ) i sent a disput in febuary XXXX and it came back verifid. i wrote a letter to XXXX XXXX in XXXX XXXX asking for a copy of the chargeoff, lates anything pertaining to this acount.and if they can not verify then they must delete the tradeline from the credit bureaus- they sent back a reply to me they do not have any info on me cause they sold it, i then made copies and of the XXXX letters and wrote a letter to experian on XXXX XXXX XXXX asking them to remove this account because kays could not verify it. they sent me back on XXXX XXXX XXXX a credit report stating they updated my report- what they did was update my date of status to XXXX XXXX which made it look like it was a recent chargeoff and put in payment history XXXX XXXX chargeoff which made my score go down, theres no date of last activity on my report either, so i called them at the special handling dept and asked how did they verifiy when in the letter to me from XXXX XXXX they had no information on the charge off or late status then i was told by XXXX that XXXX XXXX informed them they did indeed sold it but leave it on my credit report, then i tried again to dispute it and it came back verified AGAIN. sent a letter to experian and of course verified again, then i called them on XXXX XXXX and just recent XXXX XXXX i asked them WHY they keep saying verified when they are the ones who told me if i get a response to send a copy of it to them WHICH i did and i asked how they verified they said electronic. I WANT THIS ACCOUNT OFF MY CREDIT REPORT ASAP.


Subproduct: Weltman, Weinberg & Reis
Issue: IN
Subissue: 473XX
Company_public_response: Consent provided
Company: Web
State: 05/21/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
So now, we are faced with the point where Weltman , Weinberg & Reis will try to hold our social security money every month if they want to.


Date_received: 07/05/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
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: 334XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I disputed the creditors XXXX XXXX and XXXX with Experian. They have the same account listed more than one time on my credit reports, which is against FCRA. I have contacted the organizations and disputed with Experian and Experian is indicating that the accounts are mine. Please know first of all these are fraudulent accounts and if that is n't bad enough they have the same XXXX account from each organization listed more than once on my credit reports. So again, they have the same XXXX account for XXXX XXXX reporting two or three times and XXXX is reporting two or three times, same accounts. If they review they can see that they have these accounts listed more than once. The XXXX account belongs to XXXX XXXX, I never signed or was aware of the account until viewing on my credit reports.


Date_received: 07/04/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: MI
ZIP_code: 490XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My wife used her Bank of America ( BOA ) credit card to book a hotel room in XXXX. She was half way there and had to return due to bad weather ( snow ). When she returned the hotel was ok with cancelling the reservation and understood. The hotel could not do anything since it was booked thru XXXX. My wife called XXXX and explained the situation. They told her she had to have permission from the hotel. She said she did and went in circles with XXXX for some time. She even called back with both parties from XXXX and the hotel on the line with her at the same time. XXXX still refused to remove the charge and wanted to charge us in full. We filed a complaint with BOA and they held the charge for investigation, then sent us a letter saying it was resolved, then removed the charge. We thought we were done when we saw the charge appear again several months later. BOA said we were accidently credited twice. We pulled our statements and got back to them to say that they were incorrect. They agreed and said that the charge would be removed. We then got a letter from BOA saying that they were going to proceed with the charges from XXXX. My wife spent at least 6 hours total on the phone with all parties to get this resolved, but had no luck. Complete lack of customer service by all parties. We will be getting rid of our BOA credit card ( after having it for about 16 years ) and will certainly never use XXXX again.


Date_received: 05/26/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Select Portfolio Servicing, Inc
State: MI
ZIP_code: 483XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I believe I am victim of Mortgage and Mortgage Servicing Fraud. XXXX XXXX XXXX and Wells Fargo N.A . are both claiming to be the note holder of a loan in my name which is being serviced by a third party entity. I have sent both parties Qualified Written Request and Debt Validation Request and neither have sent adequate responses.


Date_received: 06/07/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company: Dynamic Recovery Solutions, LLC
State: NY
ZIP_code: 130XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/07/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have received numerous calls from a company called Dynamic Recovery Solutions. Their phone # 's are : XXXX, XXXX,XXXX,XXXX. They say I owe a debt and they want to talk to me. I have NO debt. I believe they are calling on something from a XX/XX/XXXX/XXXX chapter XXXX bankruptcy. I have no idea why now they are calling me now. Everything went through the US Bankruptcy Court as a chapter XXXX, paid to a trustee over a 3 year period. We received a discharge from the court XX/XX/XXXX. I am thinking the debts were sold to a collection company to try to collect them. I really need them to STOP calling me.


Date_received: 05/21/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing this complaint because EQUIFAX has ignored my numerous request to provide me with the documents that their company has on file that was used to verify the accounts I daisputed 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. Thank You!


Product: with paperwork they sent me
Complaint_ID: Yes
Date_received:
I paid the full balance owing - including court costs and a {$98.00} " collection fee '' - within 14 days of receipt as instructed. I mailed a personal check on XX/XX/XXXX via certified letter


Date_received: When I called Ray Klein
Product: Inc. on XX/XX/XXXX at XXXX. to advise payment was in the mail
Subissue: or the possibility of more owed after a certain date
Consumer_narrative: only the threat of a court judgment being entered if I did n't pay. XXXX talked to her supervisor
Company_public_response: XXXX
Company: and both insisted {$20.00} was still owed. We ended the call with the dispute unresolved
State: and she stated they would wait 7-10 days for my check payment to clear
Complaint_ID: Yes
Subproduct:
 XXXX XXXX said I still owed {$20.00} for postage owing and related fees. She demanded to know why I had n't called their office prior to paying the debt to verify the balance

Issue:
 and I said their paperwork clearly listed a balance owed and instructions to pay within 14 days. There was no notice of additional funds owed


Subproduct: Conn's, Inc.
Issue: TX
Subissue: 772XX
Company_public_response: Consent provided
Company: Web
State: 05/08/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Desired Settlement : Other ( requires explanation ) I am requesting Conn 's to refund me for everything I have had to spend during this time for laundry, exterminating costs, and hotel stay which is a total of {$1500.00} Plus all of the payments I have made towards the bed that I have not been able to sleep in comfortably, and pick up this infested bed and remove this merchandise from my credit account with Conn 's. I do not want to be financially responsible for the remaining balance. Thank you for your time and assistance!


Date_received: 05/21/2016
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: Portfolio Recovery
Complaint_ID: Yes
Consumer_narrative:
By telephone, I discontinued lawn and garden service from this company, XXXX. They continued it anyway and billed me, sending the " debt '' to a collection agency


Product: so I was not surprised when they made a mistake about the service ending."
Issue: Portfolio Recovery Associates, Inc.
Subissue: FL
Consumer_narrative: 342XX
Company_public_response: Older American
Company: Consent provided
State: Web
ZIP_code: 05/21/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
XXXX 's constant record-keeping errors and lack of communication are the reasons for my ending the service


Date_received: 07/03/2016
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: United Collection Bureau, Inc.
State: NY
ZIP_code: 113XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
i was a victim of identity theft and theirs a XXXX credit card account on my credit report that does n't belong to me. United collections bureau are contacting me non-stop trying to collect the debt from me.


Date_received: 06/08/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company: M&T Bank Corporation
State: NJ
ZIP_code: 087XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
There is a mortgage loan with M & T bank. Payments are due once a month. I have been making principal prepayments, and M & T banks is applying interest charges towards these prepayment amounts.


Date_received: 05/19/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Can't contact lender
Subissue: Can't contact lender
Company: Advance America, Cash Advance Centers, Inc.
State: RI
ZIP_code: 029XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I took out a XXXX advance in 2009 to advance america.I get a threatning call today saying I need to pay them XXXX this month or thell take out of my pay.they said the tried to attempt to send court papers to my old adress and it went unanswered.this isnt fair.this happened to me few months ago with someone else and they took XXXX mo iut of my pay.can I file bankrupcy to avoid this? I never got a chance to give court my answer


Date_received: 05/11/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company: Ditech Financial LLC
State: OH
ZIP_code: 442XX
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 an annual general letter for my PMI on my mortgage. I was curious when the PMI was auto termed so my XXXX XXXX called Ditech on XXXX/XXXX/XXXX and spoke with XXXX. She explained that we can just wait until XXXX/XXXX/XXXX as that was the date it would be considered auto termed instead of going through the appraisal process. We thought that was the end of the conversation until the following week I ( XXXX ) received a voicemail from a client service agent stating to call Ditech back and I can speak with any specialist and they can fill me in on why they were calling. I called back and the first agent I spoke with had no idea why I was called. I proceeded to ask if they can confirm if they were calling on my PMI since my husband called them the previous week. The agent stated they would place a request to the escrow department and call me that Friday which was XXXX/XXXX/XXXX. I did n't get a call back so I called again on Friday and spoke with a different rep. She was giving me a different story stating that my PMI ended on XXXX/XXXX/XXXX and I needed to send a written letter to remove PMI that I was paying on that whole time. I was pretty frustrated at this point with the inconsistency with every time calling getting a different answer so I asked for a supervisor. Once the supervisor got on the phone she was very nice and empathetic and reassuring that all the previous reps up until speaking with her gave me bad info. She reconfirmed with me my PMI should have been auto termed on XXXX/XXXX/XXXX and that the PMI company we have was notorious for continuing to take PMI from clients until they sent a written request. That frustrated me further to hear that, she offered her phone number and ext to let me follow up with her directly. Her name was XXXX at XXXX ext XXXX. XXXX stated I could follow up with her to confirm my fax request was received and once the 7 days process ended from my written request and my PMI was removed she would place a request to refund me since XXXX/XXXX/XXXX since they should of stopped it sooner. She also gave me the direct verbiage to write in the fax request letter to fax to XXXX the due to my PMI being auto termed on XXXX/XXXX/XXXX I want to discontinue my PMI. I sent a letter that same day on XXXX/XXXX/XXXX. I called XXXX on Monday and left a message hoping to confirm my fax was received but she did n't call me back I left a second message on Tuesday XXXX/XXXX/XXXX and still nothing. I called again today and had to escalate once again to a supervisor and this time was told that I was given once again incorrect info and that my PMI is auto termed on XXXX/XXXX/XXXX. This whole process is very inconsistent and I have no confidence on the truth and what is my true auto termed date. I do n't want to wait until XXXX/XXXX/XXXX and go through another round of inconsistent phone calls after waiting all that time. Please help review these calls and hoping they will honor my date that was given on XXXX/XXXX/XXXX since they were very specific they should have some type of ownership for giving wrong info so many times.


Date_received: 08/08/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: ProCollect, Inc
State: TX
ZIP_code: 751XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 08/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Contacted original debtor and was advised that the two accounts in question were charged off back in XXXX and XXXX. Disputed with the credit bureaus and the investigation results came back as " verified '' valid by the collection agency."


Product: they hung up on me. When I asked for information about their business
Complaint_ID: Yes
Date_received:
I was hung up on repeatedly when I asked for an address where I can send my papers. I was called "" a child '' "" irresponsible '' and a "" thief '' and was told that I "" racked up debt purposely '' with "" no intention of ever paying the bill. '' I was told that a process server would be at my house the next day and that I would be arrested. When I asked whether Kay Jewelry was actually their client


Date_received: This is obviously a scam and these people should be stopped. I am pretty tough
Issue: Sterling Jewelers Inc.
Subissue: IL
Consumer_narrative: 600XX
Company: Consent provided
State: Web
ZIP_code: 05/24/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Product:
 but this one rattled me. I would hate to think what would happen if someone unsophisticated or elderly received a call from them. They are terrorists."


Date_received: 05/21/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: OH
ZIP_code: 440XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have some inquiries on my credit reports that I did not do. I also received a letter from the XXXX turning me down for a car loan.I called and they stated it was nothing they could do they got the info from a place called XXXX ( this is XXXX of the inquiries on my report ) I disputed this with equifax and they stated it was valid I dont understand how. Please help me I need assistance, i did not apply for a car loan I have a vehicle I just obtained in XXXX 2014. I also tried to put an alert on and for some reason I always get an error online or when i call it states i can not do it by phone.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
ZIP_code: Company believes it acted appropriately as authorized by contract or law
Submitted_via: Monterey Financial Services, Inc.
Date_sent_to_company: CA
Company_response: 934XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
Over 2 years ago my wife had lab work completed in California and sent off to XXXX XXXX XXXX XXXX in XXXX XXXX. The doctor said that if the insurance company does not cover the fees the company ( XXXX XXXX ) would ( we now possess a copy of written documentation of this policy ). 2 years later ( now ) after not hearing from any issues on our insurance or the doctors office the company is bankrupt and a collection agency is trying to collect {$3000.00} from us for XXXX completed for the bankrupt company 's trustees. We sent them the written documentation agreement between the doctor, insurance company, etc, that explicitly states, " If it turns out your insurance company does not cover a specific test

Company_public_response:
 XXXX XXXX assumes all the risk. '' We have sent the documentation to the collection agency ( Monterey Financial of XXXX XXXX )

Company:
 yet they are continuing to try and collect the debt from us and many others even though they possess the documentation clearing everyone of all expenses associated with the XXXX. To do this is unethical

State:
 a scam and fraudulent business practices by Monterey financial. They are using scare tactics and threats to peoples credit to try and collect despite the documentation clearing the patients of any type of financial responsibility and preying on others who may not have the knowledge or possess the burden of proof we have received from our doctor who used XXXX XXXX XXXX XXXX."


Date_received: 07/04/2016
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: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/04/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I opened a Citigold account back in XXXX 2016 with a promotional offer of XXXX XXXX if I meet certain requirements. I met all requirements in XXXX 2016 and emailed Citi to confirm my eligibility and that I have met all requirements. A Citi representative replied to confirm everything and said I would receive XXXX XXXX in XXXX 2016. In early XXXX 2016, I called Citi again to ask where the miles were. They opened an investigation to verify my eligibility and promised to have an answer in 5 business days. I made XXXX additional calls to Citi after that in XXXX 2016 to follow up since I still have n't received the miles or a decision from Citi. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged XXXX monthly service fee already. I got so tired of this and I did n't know why they still needed to verify something that was already confirmed by them in the past. I do n't know much longer it would take, so I 'd much appreciate your assistance regarding this matter.


Date_received: 06/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: OH
ZIP_code: 458XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Experian refused to correct my current address and delete the XXXX address 's which do not belong to me.


Subproduct: any loan can be modified
Complaint_ID: Yes
Date_received:
My name is XXXX XXXX. I am XXXX XXXX XXXX, proudly serving my country. I am appalled and terrified that Carrington Mortgage is purposely steering my mortgage into foreclosure for their own monetary gain. When the banks were bailed out in XX/XX/XXXX, Carrington Mortgage received XXXX in bailout funds ; part of that bailout was to help struggling homeowners, especially those that have served their country. Now through months and months, submitting and resubmitting paperwork numerous times, they refuse to help and have mismanaged servicing my mortgage over & over. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' 1024.41 ( b ) Receipt of Loss Mitigation application - "" A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' My mortgage was transferred from XXXX to Carrington in XXXX

Product:
 XXXX and has been a nightmare since then attempting to work out something to lower my payments from $ XXXX./ mo. with an interest rate of 7 %. My income has decreased significantly since leaving the military but this whole thing could be resolved with a simple loan modification of the extremely high interest rate. Mortgage modification is a process where the terms of a mortgage are modified outside the original terms of the contract agreed to by the lender and borrower ( i.e. mortgagee and mortgagor ). In general


Date_received: Not only have I undergone multiple submissions of documentation
Complaint_ID: Yes
Product:
 countless phone calls with no return calls but have been spoken to rudely by people in their collection dept. Fair Debt Collection Practices Act FDCPA 806


Subproduct: but my credit score improved!!"
Subissue: Credit Karma, Inc.
Consumer_narrative: DC
Company_public_response: 200XX
State: Consent provided
ZIP_code: Web
Submitted_via: 06/30/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Date_received:
Because my credit score has improved tremenbously ( because I 'm paying my bills on-time as well as disputing debt that suppose to be removed from credit ), Credit Karma suggested to me that I should inquire with a company called XXXX to get a lower car note. I really need to get a lower payment. I 'm paying {$330.00} a month, and with my credit score, Credit Karma is recommending that I can get my apr % down lower ... .making my payments possibly around {$200.00} a month. I know that the bankruptcy and auto loan is still new and the refinancing would n't be a good idea. I did n't want a hard inquiry on my credit either. Now, Credit Karma knows that I filed bankruptcy and has a general idea of what my credit looks like, so I trusted that the tool would help me keep things in order. I applied for the auto refinancing loan on XXXX/XXXX/16 and was " denied '' the same day. As of today 's date

Product:
 the suggestion still sits on my Credit Karma account and it did n't help me at all. I am requesting for the hard inquiry to be removed from my credit report and a clear understanding of why I was still denied the refinancing


Date_received: 05/02/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Glass Mountain Capital, LLC
State: SD
ZIP_code: 577XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have repeated calls that started on XXXX XXXX. They call twice a day and refuse to tell me who they are and why they are calling. If it is a debt collector they have not sent any written validation notice within in the required 5 day from first contact. They continue to harass and annoy me and refuse to tell me who they are or why they are calling.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: ProCollect, Inc
State: OR
ZIP_code: 970XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This company continued to attempt to collect on a move out fee that was paid prior to being submitted into collections. After sending proof that the debt was not owed they still attempted to collect and refused to remove the collection from my credit. This caused an issue due to me attempting to put through a house loan at the time. According to their online reviews this is not the first time they have attempted to wrongfully collect a debt.


Date_received: 05/21/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: FL
ZIP_code: 336XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax did not properly verify the information in my credit report. They did not contact the New York State Department of Taxation and Finance regarding this information.


Date_received: 07/04/2016
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: TransUnion Intermediate Holdings, Inc.
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
TRANSUNION has failed to include the latest XXXX XXXX XXXX BANK account in my file as well as delete inquiries made by XXXX on XXXX/XXXX/XXXX and XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX as " hard '' inquiries when they were to have been done as "" soft '' ones. I did NOT authorize them being done this way and wish them deleted ASAP!"


Date_received: 06/21/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: United Shore Financial Services, LLC
State: GA
ZIP_code: 317XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a mortgage payment with UWM and in XXXX XXXX paid the required XXXX into their escrow a account, I have paid faithfully every month. My property taxes and hazard insurance has been the same. FOR some reason I just received a statement saying I am short on on the amount in my escrow account and need to send them them {$140.00} because I do not have the required escrow of XXXX dollars. For XXXX and in the past it was the same nd it was never short. What happened this year? I have talked to them, but they do not give me an answer as to why it happened to be short this year. UWM is a division of United Shore Financial services.


Subproduct: Solomon and Solomon, P.C.
Issue: NJ
Subissue: 076XX
Company_public_response: Consent provided
Company: Web
State: 05/21/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I returned to my studies in the XX/XX/XXXX to XX/XX/XXXX. During this time XXXX received the notification that I was enrolled as a XXXX XXXX XXXX. However they continued to send me statements not only with the wrong amount but also ignoring the signed agreement between XXXX and myself ( option XXXX ), which I am not to pay while enrolled in school. XXXX is defaming my character stating I am liar regarding my previous enrollment in school and sent this back to the court with a new docket number. At this time the new amount they were demanding was {$38000.00}. My case was again selected for a mandatory non-binding mediation, To my surprise I was shocked when I received a judgement on XXXX XXXX for the full amount of {$38000.00}. Not even giving me a chance to once again prove my case. I am no lawyer, this whole time I was acting pro se but I strongly believe that XXXX and their XXXX lawyers took complete advantage of my situation. The case should 've been resolved at the first mediation because I even proposed a payment plan based on my income and for the judge to decide. Instead I have to pay an additional {$15000.00} for the unjust treatment brought upon me from XXXX. I can provide more information regarding the abuse ( over XXXX pages ). There 's even an affidavit signed by the attorney that I defaulted the loan based on an erroneous administrative mistake. They were asking me to pay interest ( option XXXX ) when I signed for option XXXX. I am currently receiving letter of debt collection from XXXX lawyers.


Date_received: 04/07/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: LA
ZIP_code: 707XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Experian is reporting that an account with XXXX XXXX XXXX is 180 days late from XXXX XXXX to XXXX XXXX. In this time, this account was REPORTED IN BANKRUPTCY so it was protected. I paid on this account as per my plan to make up the late payments. The loan is now paid in full. These payments were removed from my report but reappeared last month when the loan was transferred from XXXX to XXXX XXXX XXXX. I have filed numerous complaints to XXXX for correcting then readding this faulty information. XXXX is being converted to XXXX to cover up their terrible business practices. I AM ATTACHING MY BANKRUPTCY PAPERWORK AND EXPERIAN SHOULD KNOW XXXX COULD NOT BE REPORTING ON ME EVEN IF IT WAS CORRECT, WHICH IT IS NOT!


Date_received: 05/01/2015
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company chooses not to provide a public response
Company: Wells Fargo & Company
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been unemployed/underemployed for a significant period of time. I have tried on more than one occasion to do a modification through Wells Fargo Bank. On the three occasions I tried to do the modification I was stonewalled, given incorrect information and my file languished for so long twice that it had gone stale. Every time I have tried to do my modification, it appears that Wells Fargo has done all it can to prevent the modification being concluded. I am making a true attempt for find a job, and have enough steady income to be able to complete another application for a modification. I am also going to go through XXXX and Florida 's Hardest Hit. They had previously assisted me when I was on unemployment, but that has ended.


Date_received: 04/29/2016
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Indicated shouldn't respond to lawsuit
Company: Encore Capital Group
State: OH
ZIP_code: 441XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have been sued by Midland Funding LLC and am currently making payments of XXXX for credit card debt. I feel that this is one of Midland 's robo-signed lawsuits and a default judgement was granted because I was under great duress at the time this was filed taking care of XXXX parents and did not understand the judicial process or have the means to fight it. Many many times I was contacted by the " Internal Legal Dept '' I have contacted Midland several times via email as to why I am not getting a monthly billing statement for this payment. I continue to pay XXXX each month but feel as though this falls under the CFPB XX/XX/2015 ruling against Midland. I was also initially told NOT to respond to the lawsuit once I had made payment arrangements after I was served - I was scared and stupid"


Date_received: 06/07/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NM
ZIP_code: 875XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.


Date_received: 05/21/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer_narrative: I have filed a complaint before - Case # XXXX. I was hit with a " double whammy '' yesterday
Company_public_response: XXXX XXXX/XXXX/16
Company: with NOT 1
State: BUT
ZIP_code: 2 harassing letters from JP Morgan/Chase
Submitted_via: demanding that I pay THEM MORE MONEY
Date_sent_to_company: AFTER
Consumer_disputed: AS THEY HAVE
Complaint_ID: THEY WOULD HAVE GOTTEN THAT FINAL PAYMENT
Company_response:
 I HAD SENT THEM A CHECK IN THE AMOUNT OF {$49000.00}. ALONG with a letter stating that this was PAYMENT IN FULL AND I WOULD NOT PAY ANYTHING ELSE!! BUT

Timely_response:
 JP Morgan/Chase is STILL HARASSING ME FOR A MERE {$35.00}!!!! IF THEY HAD N'T BLOCKED MY ABILITY TO PAY ONLINE


Issue: nor can anyone tell me what my actual payment is. I go through this process monthly with BofA
Subissue: and this time
Complaint_ID: Yes
Date_received:
Month after month, BofA calls me and my husband repeatedly on our cell phones to tell us that our mortgage payment is late. We explain that the reason it 's " late '' is because of the insurance issue

Product:
 then we spend hours on the phone trying to get them to change our automatic payment amount to reflect the right amount. For some reason BofA ca n't change automatic payment amounts that come from its own checking accounts. The last time I called I went online with the agent so he could walk me through the process to change the amount. The agent could n't tell me what the correct payment amount was

Subproduct:
 and he told me that I had an upcoming amount scheduled that was different from what the BofA website was showing me I had set up the payments for. I ca n't change my payment amount


Date_received: On Saturday
Product: XXXX XXXX
Subproduct: 2016
Consumer_narrative: where my children live
Company_public_response: in front of our neighbors
Complaint_ID: Yes
Issue:
 a debt collector came to my home and put a debt collection letter on my front door. I am attaching a copy of the correspondence to. The envelope states that "" We are expecting your call today '' and provides a XXXX phone number. It did n't look like "" official '' bank correspondence

Subissue:
 because what kind of bank sends debt collectors to peoples ' houses? They literally sent someone to my home


Date_received: Accordingly
Product: instead of calling the XXXX number
Issue: '' with the fact that someone had come to our home
Subissue: and knowing that BofA screws this up every month and wo n't let us fix it
Consumer_narrative: concerned us. When my husband called
Company_public_response: he was told there were no agents available to help him. Getting more concerned
State: my husband had to provide full authentication ( name
ZIP_code: address
Submitted_via: SSN
Date_sent_to_company: DOB ). He felt pressured to provide it
Complaint_ID: Yes
Subproduct:
 we called the number listed on our mortgage statement. The language "" we are expecting your call today

Company:
 he then called the XXXX number on the correspondence that was left on my front door. To get any information about what was going on

Company_response:
 even though he had no idea if the XXXX number he was calling was actually BofA. Finally the agent told him we were {$74.00} short


Product: the payment being taken
Subproduct: and the actual payment amount 5. Putting statements like "" We are expecting your call today
Issue: '' creating a sense of extreme urgency
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Date_received:
For the sake of the Bank 's ability to evaluate my demand prior to filing suit I will enumerate some of the acts which satisfy the various legal standards : 1. Sending a debt collector to my home and putting debt collection materials on my front door 2. Failure to include mini-Miranda on debt collector correspondence left on my front door 3. Not allowing changes to automatic payment amount 4. Being unaware of the payment scheduled

Subissue:
 then not having agents available at the established phone number appearing on the official statement 6. Using a phone number on debt collection correspondence left on consumers ' front doors which is not the number disclosed on the Bank of America mortgage statements or on its mortgage website

Consumer_narrative:
 making it impossible to know who you are calling and providing all of your personal information to 9. Reporting late to credit bureaus when failure to pay in full on time is due to Bank 's actions"


Date_received: 05/21/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: TX
ZIP_code: 786XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ocwen Loan Servicing has listed our home for foreclosure sale 4 times on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX.


Date_received: 05/18/2016
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: OH
ZIP_code: 432XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I purchased an item with my Macy 's credit card, and never received notice of my late payment or my account statement balance. I discussed the situation with Macy 's and they removed the late payment fees because they acknowledged that I never received a formal invoice requesting payment. My credit score has been severely affected by this situation and I would like to know how it can be fixed.


Date_received: 06/08/2016
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: VA
ZIP_code: 233XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Time for my daily complaint against Experian, they still refuse to investigate my case given all the evidence I have sent them. Their incompetence cost people their livelihood.


Date_received: 07/04/2016
Product: Credit card
Issue: Other
Company_public_response: asking to speak to XXXX XXXX and XXXX XXXX her Supervisor. I have called XXXX Ext XXXX
Company: which goes to a voicemail. When I dial XXXX
State: it states it 's a debt collection department ( which my account is not in debt collections
ZIP_code: it is current ). When I press the option for a representative
Complaint_ID: Yes
Consumer_narrative:
Bank of America Complaint : XXXX. SCRA for military- I submitted XXXX sets of military orders and was told XXXX different reasons as to why the would not use my orders. I have requested " written '' proof which should include a point of contact 's information as to how it was determined my orders are considered to be state orders and not federal. I have called numerous times

Submitted_via:
 I have spoken to several people that states no XXXX XXXX works there. Then after calling several times

Date_sent_to_company:
 I finally got XXXX person that acknowledged she knew XXXX and transferred me over to her.I spoke to XXXX and her supervisor

Company_response:
 XXXX XXXX on XXXX/XXXX/2016. The supervisor stated my orders were not denied due to the 180 day criteria that I have been previously told


Complaint_ID: Yes
Date_received:
XXXX. Failure to protect military member 's PII by consistently asking for full social security numbers


Date_received: XXXX. Certain employees refuse to provide a location of where there call center is located
Product: an identifier or their last name. However
Subissue: I was told I need all this information. In other departments that I have called
Consumer_narrative: such as the credit card division
Complaint_ID: Yes
Subproduct:
 I have been required to provide the following or I will not be able to obtain account status : XXXX. Full name XXXX. Full address XXXX. Account number XXXX. Full XXXX XXXX. Phone number XXXX asked why ca n't I just give my last XXXX of SSN or an alternate pin or password

Issue:
 and the reps in the military department stated that 's just their company policy. They do not provide any "" legal '' standing for it. I asked where as a consumer is this available to me that Bank of america 's policy to discuss my military account in writing. XXXX XXXX stated they do not. Bank of America needs to provide to consumers if they are going to be required to provide a what circumstances a full social needs to be provided. So in the military division


Complaint_ID: Yes
Date_received:
Several supervisors have told me that employees are not required to give the location of where I 'm calling to

Product:
 and they do n't have to give their last name. Bank of America is more invested in protecting the safety of their employees


Product: I asked if she had pulled calls from around that time frame as I had requested. She stated no
Issue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subissue: Bank of America
Consumer_narrative: NC
Company_public_response: 276XX
State: Consent provided
ZIP_code: Web
Submitted_via: 07/04/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Date_received:
XXXX. I asked for calls to be pulled around the time my card was closed for XXXX. I advised a Bank of America phone representative relayed to me that they did not have a department or a program to help military members lower their interest or help with financial difficulty. When I spoke to XXXX on XXXX/XXXX/2016

Subproduct:
 that she just looked at the notes and that she had not found anything in the notes concerning denial of military benefits. I asked why had she not pulled the phone calls. She stated because her supervisor had told her not to."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: CA
Subissue: 900XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 06/09/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct my credit score.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: NY
Subissue: 142XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 06/08/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Experian supervisor XXXX said Door to Door Sales Act would allow him to delete this public record : XXXX vetoed that too


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: NY
Subissue: 109XX
Company_public_response: Consent provided
Company: Web
State: 06/08/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Please arrest these people for fraud. A full copy of all United States Postal mailings dates through mail. All USPS checks/money orders returned to me. I am requesting these all my payments be returned to me. A payment was made to this account in the form and a USPS money order and it has not been applied. This is a felony. This bank has been fined for predatory lending and violation of federal law, false reporting by the FTC and I have not received my funds from the settlement.All money returned to me in the form of money order. All these documents must be produced and notarized and must state under the PENALTY OF PERJURY.


Date_received: 05/21/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: THE VALLE LAW FIRM, P.A.
State: FL
ZIP_code: 346XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
This debt originated from a lease break on an apartment. The debt owed is {$2400.00} as per the lease agreement with XXXX, and also the previous debt collection law firm of XXXX. This new company, Valle law firm in XXXX, Fl sent me a letter today stating that I owe {$130000.00} to them on behalf of XXXX.


Date_received: 05/21/2016
Product: Credit card
Issue: Payoff process
Company: JPMorgan Chase & Co.
State: NC
ZIP_code: 287XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Freedom chase credit card did not let me to pay the balance from the same bank account with XXXX separate payments on the same date which led to inconvenience for me as I used other bank account which was not intended for that purpose. There is nothing on the disclosure form that can support the denial of several payments from the same account to pay the balance.


Date_received: 06/06/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: NY
ZIP_code: 129XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/06/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I opened a Citigold checking account with Citi Bank using a promotional code for XXXX XXXX XXXX miles. I then opened the account and completed the requirements for the promotion. Citi confirmed multiple times in writing that I was eligible for the promotion, that I had met the requirements and would receive the XXXX miles by XXXX/XXXX/16. After not receiving the miles by the specified date I contacted Citi and was told that I fact was never eligible for the promotion.


Date_received: 05/21/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: WI
ZIP_code: 547XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is the second complaint I have placed. The first has went without a response. I am in the middle of a current Chapter XXXX. I am 2 years in. My mortgage is with Ocwen Loan Servicing LLC . A few months ago Ocwen started returning my mortgage payments. I called Ocwen only to be told I no longer owned my home and it had been foreclosed on. ( It has not ) Ocwen is accepting my Chapter XXXX payments. I have asked to speak to a manager at Ocwen and they refuse to speak with me. Again, I make payments monthly thru chapter XXXX and make my payments to Ocwen every month. Today my wife and young daughter were home alone and XXXX men came to the door. They stated they were from the bank. They dug thru my garage. They tried to break into to my home. My wife asked them to leave and they refused. They terrified my family. They stated the home was lender owned. IT IS NOT. It has never even been foreclosed on.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Statebridge Company
Issue: FL
Subissue: 334XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 07/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
The last phone call I made to the company a customer service person said they are having trouble with a new " Vendor ''. I still have no statements. Please help"


Date_received: 06/01/2016
Product: Credit card
Issue: Other
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Navy FCU
State: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Navy Federal Credit Union is Reporting an Authorized User File on my Account, both myself and the Original Owner have asked for me to be removed, XXXX is stating that the information is accurate, however, I am not the owner of this account, it is showing late payments and affecting my credit. Just as the other bureaus have removed this from my file, I expect XXXX to remove it as well.


Date_received: 07/04/2016
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: Associated Collectors, Inc.
State: WI
ZIP_code: 535XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A debt collector is trying to collect a debt from me that is owed by my ex-wife for my daughter 's medical expenses. A hospital transferred the debt from my ex-wife 's account to mine after she would n't pay. I have a court order to pay half, which I paid, and now they want me to pay my ex-wife 's half. I sent the debit collector a letter disputing the debit, however, they still sent the debit to collection.


Date_received: 05/21/2016
Product: Debt collection
Subproduct: Auto
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: Ford Motor Credit Company
State: CA
ZIP_code: 935XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I already paid them and they still are sending me letter that I did pay when in fact I did in this noticed I will be providing the receipts of payments done to them every month


Product: in XXXX XXXX they decided to contact the XXXX attorney
Subproduct: XXXX XXXX XXXX XXXX
Issue: to see if they 'd be willing to subordinate. From what I understand
Subissue: Wells Fargo was unable to get anywhere with them and did not inform me of this. Instead
Company_public_response: XXXX XXXX
State: it would no longer be an issue. So
ZIP_code: I paid off the XXXX lien and filed a timely appeal on XXXX XXXX
Submitted_via: XXXX ( the deadline was XXXX XXXX
Date_sent_to_company: XXXX ). During the appeal period
Timely_response: as well as the Lien Releases. Yet
Consumer_disputed: Wells Fargo denied the appeal anyway
Complaint_ID: even though I resolved their issue. Now
Date_received:
They told me in early XXXX XXXX I had to move back to the property in order to do a loan modification, so I moved back. They offered me a loan modification the next month of XXXX XXXX. I completed the trial payments XXXX - XXXX XXXX and continued making payments thereafter while they continued their process. During this period, XXXX approved my Partial Claim and the remaining arrears would be added to the back of the loan. Wells Fargo 's Title Department spoke to me about XXXX entities ( XXXX XXXX and XXXX Office of the Comptroller ) that have liens on the property. I provided them with copies of payment plans for XXXX entities. In late XXXX XXXX, the Title Department asked me to contact XXXX to see if they subordinate. The next day, I provided them with the contact information of who coordinates subordination matters. Shortly thereafter, XXXX provided Wells Fargo with a subordination letter agreeing that Wells Fargo would be in first place position over the property. Wells Fargo initially was not interested in the XXXX lien and said they would just " capitalize '' this part. Then they later informed me that XXXX liens can not be capitalized. So

Consumer_narrative:
 they sent me a denial letter in XXXX XXXX with appeal rights. I contacted the Home Preservation Specialist

Company:
 I had been working with and he read the notes from the file to me that stated they were unable to resolve the XXXX lien issue. XXXX XXXX advised me that if I can quickly payoff the XXXX lien within the appeal timeframe

Company_response:
 I provided Wells Fargo with several documents from the XXXX law firm evidencing the liens as being in full


Date_received: Also
Product: I have searched the Federal Housing Administration 's ( FHA ) website
Subproduct: as well as the internet
Issue: for the new rule Wells Fargo claims was issued on XXXX XXXX
Subissue: XXXX
Consumer_narrative: by FHA. Supposedly
Complaint_ID: even though I resolved their issue. Now
Company_public_response:
 the new rule limits the amount of time a loan can be in default to be eligible for a loan modification review. I have not been successful in locating this new rule. I would rather see it for myself rather than take their word for it


Complaint_ID: even though I resolved their issue. Now
Date_received:
Wells Fargo erred for the following reasons : 1 ). It took them a year to process a loan modification XXXX XXXX XXXX - XXXX XXXX XXXX ; 2 ). The Appeals Department issued a denial after new information was submitted that evidenced the XXXX liens issue as being resolved

Product:
 which is what they wanted ; 3 ). The Appeals Department did not issue their decision within XXXX to seven business days


Date_received: I am not looking for a new review. In all fairness
Subproduct: since I have resolved the XXXX lien within the established timeframe they gave me. Additionally
Issue: Wells Fargo is proceeding with a foreclosure sale date of XXXX XXXX
Subissue: XXXX
Consumer_narrative: even though they and their attorney
Company_public_response: XXXX XXXX XXXX
Company: are well-aware that a Mediation Request was filed with XXXX Maryland."
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: MD
Date_sent_to_company: 207XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/25/2016
Product:
 I want the loan modification that has already been completed and contains the XXXX partial claim to be issued


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: NV
Subissue: 891XX
Company_public_response: Consent provided
Company: Web
State: 08/13/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -


Date_received: 06/02/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: USAA Savings
State: DE
ZIP_code: 198XX
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:
USAA Bank would not give me a legal department phone number to discuss a recent bank Levy on my veterans benefits. I advised them they were disregarding Federal Regulation as of XXXX XXXX 2011 that advises banks they can not garnish freeze or Levy an account in amounts of a government direct deposits. According to this regulation it is there sole responsibility and obligation once a garnishment notice is received to look back two month to insure there are no governments direct deposit for XXXX of any type to which can not be frozen and it is their obligation to notify the party that is attempting to freeze the account for the amount that can not be Frozen. USAA Representatives failed to pass me on to a supervisor advising they were not available and also they refused me any contact to their legal department as well as refusing to remove the freeze on my account of my veterans benefits which is the only direct deposit ever made since his account was opened


Date_received: 06/11/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NY
ZIP_code: 142XX
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 am requesting my free annual credit report and it only let me access my XXXX report. It would not pull up or let me access my reports from either Experian or XXXX.


Date_received: 06/30/2016
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: Richard Sokoloff, Attorney At Law
State: NY
ZIP_code: 119XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I filed for divorce in XXXX XXXX. My ex has not lived with me and my son since XXXX XXXX and has since been living with her boyfriend. Apparently she had XXXX in and around XXXX XXXX and decided to keep the insurance checks instead of signing them over to the doctor. Please keep in mind that the health ins policy was in her name, through her job, and that she was the patient. In XXXX XXXX I received a collection letter to my home from am Attorney Richard Sokoloff. I have a recorded conversation where I explained that I have nothing to do with this debt and to remove me and I provided them with her address. I have sent several letters both regular mail and certified asking for them to prove this debt or remove me and I still have no response.


Date_received: 03/28/2016
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: Conn's, Inc.
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Conn 's, a retailer I purchased a washer and dryer from, reported my XX/XX/XXXX payment 30 days late in error. XX/XX/XXXX payment paid 7 days early, confirmation # XXXX on XXXX/XXXX/XXXX. I paid XX/XX/XXXX 1 day after the due date, XXXX/XXXX/XXXX, confirmation # XXXX.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Threatened to take legal action
Complaint_ID: Yes
Consumer_narrative:
I received a phone call @ my place of work from " Fidelity Creditor Service ''. A woman by the name of XXXX informed me that I owe a debt that originated in XXXX from the year XX/XX/XXXX the company 's name is "" XXXX XXXX XXXX ''. She claims that it is for {$22000.00}. XXXX proceeded to threaten me with a judgement

Company_public_response:
 attachment of my assets. When i asked why i have not received any invoice or request to pay via mail

Company:
 she rudely stated "" it 's public record..look it up '' and gave me the case #. When I asked how could this debt still be outstanding

State:
 again in a rude voice "" this debt is renewed every XXXX in the state of XXXX "" I told her i do not even live in Ca. and if this debt as you say has my ex-husband 's signature on it


Date_received: After this unsettling claim
Subproduct: Company believes it acted appropriately as authorized by contract or law
Issue: Fidelity Capital Holdings, Inc.
Subissue: NM
Consumer_narrative: 875XX
Company: Consent provided
State: Web
ZIP_code: 05/18/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Product:
 I did my research and found numerous complaints about this company as well as a news piece by investigative reporter "" XXXX XXXX '' that aired XXXX 2012 : XXXX"


Date_received: 07/04/2016
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: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/04/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I opened a Citigold account XX/XX/2016 with a promotional offer of XXXX XXXX XXXX miles if I meet certain requirements. I met all requirements in XXXX 2016 and emailed Citi to confirm my eligibility and that I have met all requirements. A Citi representative replied to confirm everything and said I would receive XXXX miles in XXXX 2016. XX/XX/2016, I called Citi again to ask where the miles were. They opened an investigation to verify my eligibility and promised to have an answer in 5 business days. I made two additional calls to Citi after that in XXXX 2016 to follow up since I still have n't received the miles or a decision from Citi. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged $ XXXX monthly service fee already. I got so tired of this and I did n't know why they still needed to verify something that was already confirmed by them in the past. I do n't know much longer it would take, so I 'd much appreciate your assistance regarding this matter.


Date_received: 05/18/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Company: and the other does not ... In any case
State: I want to repay my loans
ZIP_code: but
Submitted_via: AES says it did n't receive my faxes
Date_sent_to_company: and could n't help me save my loans through other deferment possibilities."
Timely_response: AES/PHEAA
Consumer_disputed: KY
Complaint_ID: 405XX
Consumer_narrative:
Student loans serviced by AES. Was told by XXXX that loan could be deferred while in school, indefinitely : The loans were disbursed in between XX/XX/XXXX and XX/XX/XXXX, place into deferment while in school, and knocked out of school deferment while still enrolled in school in XX/XX/XXXX. Loans Placed into forbearance for one year, as I was still in school and unemployed. Credit report thus far is perfect with these loans. Loans knocked out of forbearance deferment early, ( still unemployed, in school part-time ) and I was told to place loans into Unemployment deferral for up to a year. I faxed, the first time, an application, that they processed - three months later, I am knocked out of deferment, again. I receive a letter stating my loans are late, so I call, and fax another form. And another form, And yet another form. The fax number printed on AES letterhead, which was successful for the first unemployment deferral, failed. I was told to use the second fax number listed on AES letterhead. AES, stated AES never received my faxes. Multiple faxes. One would think that, the borrower, whom AES has noted for years, would keep complying, as I did. But, n matter what I did, the loans crept closer to collections, beginning, from AES statements XXXX/XXXX/XXXX first day AES says loans were late ... until XXXX/XXXX/XXXX, the date AES reported loans were XXXX and sent to collections. Meanwhile, before XXXX/XXXX/XXXX, the loans moved closer and closer, as AES said there was nothing they could do except ask for payment, and wait until they received my faxes. On my end, other than submit payment, which financial was n't possible, AES said there was nothing I could do, other than submit, and re-submit faxes. Now, AES says, for some reason, there is XXXX final loan, which can not be saved from default. So ... and now, I am ineligible for federal loans, and will thus be unable to attend the last few semesters of the XXXX program, and ... thus, will begin the cascading fall into further private loan default, as another private loan company moves me out of in-school deferment because I can not attend school without a federal student loan, ... and you get the picture. My federal loans, will hopefully be placed into an IBR program. So far, AES loans are the only loans that moved ( less than 120 late ), " into collections '' ( default ) status ...

Company_public_response:
 All my private loans XXXX originated and disbursed from the same entity - XXXX. AES = default ... whereas other loan holder = current. Kinda strange how AES defaults loans


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: OH
Subissue: 443XX
Consumer_narrative: Older American
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:
The process of foreclosure started XX/XX/XXXX. I hired a short sale atty and realtor to help get the sale resolved quickly. Wells Fargo continued to give us the runaround for well over one year. Finally, XX/XX/XXXX they approved the sell but by this time I had to file bankruptcy due to the expense of maintaining the property. I had to dismiss my yard and pool man due to lack of funds. It was my understanding that Wells Fargo would make sure the upkeep of the property was continued. I have received a bill from XXXX XXXX ( XXXX XXXX XXXX ) for y maintenance of the property in the amount of {$240.00} for yard service. I do not have the money to pay this bill. Wells Fargo will not allow me to ask questions on my own account. The reps handling the acct # XXXX are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The ph # XXXX and fax # XXXX Consumer 's Desired Resolution : Wells Fargo has been gathering information on me and the property for almost two years. This process should not have taken this long. I want to have my situation resolved w/n the 30-60 days. I want Wells Fargo to pay the bill for maintenance. There should be open line of communication w/the homeowner 's association regarding what is required to satisfy the deed restrictions in that community. Please have Wells Fargo pay their attorneys that they hired to setup the foreclosure.


Date_received: 06/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company: Equifax
State: IL
ZIP_code: 601XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX years ago I submitted a request for Equifax to update my social security #. When I was purchasing a home I was told there where other # being reported with my name. I wrote a letter and sent proof of my social security and id. I never got a response. I figure maybe they did not receive it. I faxed them the same info. no response. I tried to dispute collections and there is no response. I tried to log online to do the dispute my self and I was given a message that my information did not match their records it asked me to fax what I faxed XXXX years ago. I also attempted to re fax it in 2015 again. I would like to buy a house and for XXXX years. I cant dispute inaccurate information that is hurting my financial decisions.


Date_received: 05/29/2016
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: Wells Fargo & Company
State: MD
ZIP_code: 206XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I applied for a Loan Modification with Well Fargo ( WF ) due to extreme hardship. They denied me based on false income information. Even though they had copies of my pay stubs, they ( WF ) decided to increase my monthly income by {$1600.00} so that they could denied me a Loan Modification. I will attached a letter that explains more details.


Date_received: 05/07/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Can't contact lender
Subissue: Can't contact lender
Company: Big Picture Loans, LLC
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I filed bankruptcy XX/XX/2015 castle payday was included in the bankruptcy and now I have been receiving calls from wanting me to repay the loan I have explained that I have filed chapter XXXX and have given them the case number and the attorney # and have asked not to call the cell my they continue to call


Date_received: 06/13/2016
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: VA
ZIP_code: 221XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX decided to send information to the credit reporting bureaus and alledge medical debt ( XXXX ) in total without proper verification. This should not be on my credit report because I told them I am working with my medical insurance companies to see if the charges are correct and this debt has not been properly verified and investigated.


Date_received: 07/05/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: only a new email. We decided to go with a trustworthy lender and fired him from our contract
Company: and hope no-one else has to go through the XXXX of his incompetence."
State: Company believes it acted appropriately as authorized by contract or law
ZIP_code: CrossCountry Mortgage Inc.
Submitted_via: TX
Date_sent_to_company: 786XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 07/05/2016
Consumer_narrative:
We had talked with a lender and applied with him. We used his specific guidance on a quiz for down-payment assistance, and filled it out exactly as he said we needed to. After we were pre-approved for the loan as well as the down payment assistance and already under contract on a house, he called and said we did not qualify for the down payment assistance, but said he could go ahead with the loan. He had promised and reassured us numerous times that it was good to go before submitting an offer on a house. He never could put together a good-faith estimate, nor any other details as to costs, closing or otherwise. When we asked for explanations for anything, his responses were short and lacking detail and never really answered our questions. He was never able to supply information on any costs related to the purchase of the home, only a guess at what our monthly mortgage payment " may '' be. Somewhere during this process he switched companies but never notified us of the change


Date_received: 06/16/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: Equifax
State: TX
ZIP_code: 785XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax has fail to provide me with proper information on disputed accounts. also, they have allow negative information such as amount past due, difference between charge offs and balance amounts to affect my credit score. Moreover, results state that accounts have been verify by original owners but accounts have been sold.


Date_received: 06/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: NJ
ZIP_code: 079XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
It has been 10 years since I filed for Bankruptcy and the credit reporting company removed the item last month on my credit report then added it again this month to my credit report.


Date_received: 05/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently asked EQUIFAX to correct the credit line amount reporting on my XXXX XXXX account from {$2200.00} to {$2400.00}. Instead, they just deleted this open account. In addition, they have refused to delete " hard '' inquiries from XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that were to have been done as "" soft '' or "" account review '' inquiries. They continue to refer me back to XXXX XXXX for deletion who in turn refers me to EQUIFAX for deletion in a never ending cycle which results in NOTHING getting resolved!"


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: FL
Subissue: 346XX
Company_public_response: Consent provided
Company: Web
State: 07/05/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Well, the funds came out of my daughter 's checking account on XXXX XXXX and the money did not get deposited into my account until XXXX XXXX and that was only after I complained to a regional supervisor. I called Wells Fargo three times during those XXXX days and they told me they can not release the money until XXXX XXXX even though they already have the money and know there is no fraud on my daughter 's end because they already have the money. They had control and gained interest on my money for XXXX days without my consent. Are they allowed to do this?


Date_received: 05/20/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: VA
ZIP_code: 233XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax sent me a letter stating that almost everything was removed from my credit report except for XXXX item from XXXX XXXX XXXX, they claimed this was my account. Now I have been in touch with XXXX XXXX XXXX and they have told me that someone that I did not know was on that account and that they were investigating it. I would like the proof Equifax has received from XXXX XXXX XXXX since XXXX XXXX XXXX has not contacted me with their investigation results and another credit reporting agency blocked them from my report due to identity theft.


Subproduct: Equifax
Issue: VA
Subissue: 223XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/22/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
BACKGROUND : XXXX XXXX, XXXX posted a collection item on my credit report. I called to inquire about the item and a representative named XXXX and XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX County Recorder of Deeds under the property address XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX and XXXX should be fired and XXXX XXXX should be closed down. The real lease is attached, notarized, and documented with the XXXX county recorder of deed, signed by myself and the property owner.


Date_received: 07/05/2016
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: Linebarger Goggan Blair & Sampson, LLP
State: TX
ZIP_code: 782XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have an issue with the State of Ohio unemployment for overpayment of benefits back from 2008. I 'll requested proper paperwork to explain what I owe and why but have never received anything in mail verifying statement of what 's owed. I sent a letter to collection agency 30 days again and still did not receive anything stating what and why I owe. I followed the Federal Trade Commission guidelines and also sent a copy to FTC. I would like to know what my next step is from here? Because they put a levy on my bank account and I have not had access to bank account now for over a month or so. Looking for any soluiton to this problem to help me resolve my issue.


Date_received: 05/23/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: TD Bank US Holding Company
State: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
TD BANK N.A . has continually reported the wrong first date of delinquency to XXXX. They are reporting the date of first delinquency as XXXX 2010. I have disputed this multiple times.


Date_received: 05/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: PA
ZIP_code: 161XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This company is absolutely the worst mortgage company ever. I accidentally overpaid in XXXX, I realized immediately what I had done, contacted them, and they proceeded to drag their feet, then promise a refund, drag their feet some more, then say they did n't owe me a refund, charged a bunch of fees with no explanation as to what they were for, charged late fees even though they know they had an extra month 's payment, finally admitted yes they did owe me a refund, gave it to me in XXXX, but are still insisting on collecting fees that I do n't owe them.


Date_received: 05/24/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: NC
ZIP_code: 277XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing this complaint because Equifax 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: Mortgage
Subproduct: FHA 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: Freedom Mortgage
State: NJ
ZIP_code: 085XX
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 am trying to refinance my home. On XXXX XXXX I was told I should n't have a problem my son 's name is on the loan due to the fact when I brought the house my credit was n't good, and my daughter co signed. 5 years ago my daughter 's name was take off. Freedom Mortgage is giving me a hard time because they said my daughter 's name is still on the loan even though my current mortgage company told them no. I have been making the mortgage payment and have never missed or been late on a payment I have sent them my bank statements because the mortgage payments was coming from my bank account bi-weekly, however Freedom Mortgage wont ' accept that. My credit score is over XXXX, but that is n't good enough for them either, they said I need more income. So I told they I get XXXX for taking care of my brother, and I have power of attorney now they are telling me I need guardianship. I have had XXXX different processors so far. XXXX XXXX told me as long as I have my credit score is over XXXX I can be put on the loan. My name is on the deed, but FM wont ' accept that, they wo n't accept my bank statements because it looks like if came off line. I work part time for XXXX and they wont ' accept that either unless I go see an accounting. They want me to pay an accountant and lawyer money. XXXX and XXXX XXXX refuse to give me the underwriters name because they are blaming it on him saying the he 's the one not accepting anything. I have had my same job for almost 15 years and pay my bills now even though in the past I have problems due to divorce. My son has been in the same position for almost 10 years now, and his credit score his close to XXXX. Yet Freedom Mortgage won ; t approve us and wants us to put out money. XXXX XXXX my current mortgage company has tried to step in and help but Freedom Mortgage wont ' even listen to them.


Complaint_ID: Yes
Date_received:
6. XXXX, is designated as a " Open/Installment/Revolving '' ACCOUNT TYPE and can not be as this data is not expected to be sent by a debt collector on this industry standard file


Date_received: 7. XXXX and XXXX accounts have a PAY Status of past due
Complaint_ID: Yes
Product:
 and can not according to XXXX - as this data is not expected to be sent by a debt collector on this industry standard file. I have never been late with XXXX nor XXXX 8. XXXX account on EQ is reporting a creditor classification of "" RETAIL '' and can not

Subproduct:
 as this data is not expected to be sent by a debt collector on this industry standard file 8. XXXX account on EQ has a pay history


Complaint_ID: Yes
Date_received:
I request that these erroneous accounts be deleted from my reports and not reinserted as they have been damaging to me in monetary ways. I have been denied acredit due to these accounts showing as open/late


Product: but we ca n't credit the account unless approved by our back office. '' On XXXX/XXXX/16
Subproduct: my husband was informed by the bank via email
Consumer_narrative: I will forward it to you. '' On XXXX/XXXX/16
Company: I accepted the offer and made the deposit
Complaint_ID: Yes
Date_received:
My husband made his first inquiry regarding the status of our bonuses via email on XXXX/XXXX/16, and received an email response that the bank would get back to him. He again asked via email about the status on XXXX/XXXX/16, and received an email on that date, stating in part, " It seems like you 've met the promotional requirements

Issue:
 stating in part that "" they are overloaded with credit requests and that they have n't gotten to your account yet

Subissue:
 '' and "" I know you have waited for quite a bit but what they are telling me makes sense. As soon as I get an email

Company_public_response:
 my husband emailed the bank saying that he believed they were in breach of contract for failing to pay the promotion on time as advertised : the bank made an offer ( the promotion )


Date_received: On XXXX/XXXX/16
Complaint_ID: Yes
Product:
 my husband spoke with his contact at the bank. The contact told my husband that he was doing everything in his power to escalate this and get it resolved


Date_received: On XXXX/XXXX/16
Product: my husband emailed another bank contact about the status of my bonus
Subissue: I never authorized my bonus to be placed into my mother 's account. Second
Consumer_narrative: and more importantly
Company_public_response: that {$500.00} was the bonus paid for opening that account ( not mine )
Complaint_ID: Yes
Subproduct:
 since the bank had finally ( belatedly ) paid the bonus to him and to my mother. The contact responded via email that "" XXXX is a signer on the large account ending in XXXX

Issue:
 she received the credit for {$500.00} on XX/XX/XXXX into that account. '' This is incorrect for XXXX reasons : First


Product: but still feel the practices of the bank should be reported to you. Thank you."
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Citibank
Subissue: CA
Consumer_narrative: 915XX
Company: Consent provided
State: Web
ZIP_code: 07/06/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
The bank took my {$50000.00} deposit. I complied with all terms. There was no legitimate reason for delaying the payment of my bonus and for forcing me to maintain my account past the promotional deadline in order to receive the bonus that I was owed. I received the bonus on XXXX/XXXX/16


Date_received: 06/22/2016
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: NJ
ZIP_code: 077XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I applied for the NJ HomeSaver program which is funded through The Hardest Hit Fund. Wells Fargo denied my application stating that my loan investors do not participate with the program. What is important is that I was approved for The HomeKeeper program in 2013, which was also funded through The Hardest Hit Fund. So why did my loans investors participate then but not now. I believe Wells Fargo is incorrectly and unjustly denying my NJ HomeSaver application. I have reached out to them multiple times today and no one can give me a straight answer. I feel helpless and that I have no where to turn for representation.


Date_received: 06/20/2016
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: Bank of America
State: PA
ZIP_code: 190XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Bank of America have managed several home loan products on my behalf since XX/XX/XXXX. I purchased a XXXX bedroom home in XX/XX/XXXX ( XXXX XXXX ), Bank of America purchased the loan in XX/XX/XXXX. I took out a home equity loan in XX/XX/XXXX from Bank of America, at this time I opt out of having my taxes included in the loan, and paid my property taxes myself. In XXXX XXXX, Bank of America requested that I provide them written proof that I had been paying my taxes and or proof of a payment plan or payment arrangements made with the taxing authorities in XXXX County PA. I sent them the requested documentation they needed but they decided to pay my property taxes up until XX/XX/XXXX ( {$3300.00} ), then forced an escrow on too the account. My monthly mortgage payments have gone up from {$470.00}, a month to {$700.00}, a month. I requested a home re-modification or apply for the HARP Program. My total families income versus the household expenses would make paying the increase a financial burden. Bank of America have denied my home re-modification application. I, as a consumer, have done everything that Bank of America have requested from me. I would like to remain in my current home that I have made monthly payments of {$470.00} and have never been late on this mortgage payment.


Date_received: 06/27/2016
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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
ZIP_code: 115XX
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 was a cosigner on an apartment lease for my son, XXXX XXXX, who is on XXXX XXXX in United States XXXX XXXX since XXXX XXXX, XXXX. Before my son left for XXXX XXXX, he had been working on paying the final bill for his apartment lease. He paid the final bill in XXXX of XXXX. We noticed in XXXX XXXX that we were in derogatory standing so we called the company. They sent us a printout of the charges ( not an itemized bill ) and my son noticed that he had already paid the charges. They were double charging him plus they added a carpet cleaning fee for the carpet ( they had already inspected before he left and said everything was fine ) and a day to day fee for the rent. He had already paid the final rent before he left. They also had a utility bill ( water and trash ) on the bill, which he had paid directly to XXXX. He submitted a letter of satisfaction from the company to the leasing company, XXXX properties. We can not rectify because XXXX XXXX at XXXX XXXX XXXX is no longer the owner of the property and will not deal with us. Fair Collections and Outsourcing took over the so called debt. I offered to pay them to remove it even though it was n't owed to them and they refused. Then, I contacted a lawyer and we gave him power of attorney. They refused to deal with him. My son who is the primary contacted FCO and they refused to talk to him because they said the power of attorney is with the lawyer. The lawyer said this is not true that they really can not object to talk to the debtor just because there is a power of attorney. My son told them the lawyer is no longer involved and they told him they can not talk to him and the lawyer would have to pay it. We can not get this resolved because the debt collectors have been unreasonable, have not provided us with an itemized bill, just a printout of charges that says printed XXXX XXXX, XXXX, which was added on after he left for boot camp. The copy of the bill I am providing you with was not received by my son until we found it on our credit reports and contacted XXXX Properties and FCO. FCO refusal to deal with us has left us with no other option, but appeal to you to help us. Thank you for your assistance in this matter.


Date_received: 06/07/2016
Product: Bank account or service
Subproduct: Savings account
Issue: Problems caused by my funds being low
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: WA
ZIP_code: 980XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
For graduation I was given a check by my grandfather for {$12000.00}. I deposited the money into my Wells Fargo savings account. Once some of the money had been released into my account I paid off the balance on my Wells Fargo credit card. Eventually the check bounce, turns out my XXXX XXXX XXXX grandfather had mistakenly only put in enough money into his account for XXXX of his graduating grandchildren. My cousin who also graduated college cashed his check first, which resulted in my check bouncing because the money had been taken out of the account. This resulted in my savings account to go negative because I used it to pay off the card with funds that had once been released ( but now taken back because of the check bouncing. Wells Fargo then locked my account even when I put in cash into my checkings account to overturn the negative balance. Between talking to personal bankers in XXXX local branches to explain the situation and talking to the fraud department on the phone to explain the situation they were unable to reverse the hold. They as a result are closing my account, giving me few days notice to pay off the card. I made multiple attempts to pay off the negative balance and the credit card after realizing the check has bounced. There has been XXXX transparency, consistency, and clarity between my personal bankers at local branches and fraud department. The local bankers do n't even know why my account is being closed due to a check bouncing due to insufficient funds. They have left me confused and with little ability to amend the situation. In fact they even cut up my debit card at the branch. I have always been on time with my credit card that I have with Wells Fargo and I have made multiple attempts to make payments on the card. I have not received a hard guarantee that my credit and credit score will not be effected by the result of this bounced check and the ridiculous near immediate closing of my accounts.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Universal American Mortgage Company, LLC
Issue: FL
Subissue: 347XX
Company_public_response: Consent provided
Company: Web
State: 07/04/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
The final issue was that UAMCXXXX pulled my husband 's credit without authorization. When the issue was resolved with my credit regarding the credit bureau that was not reporting a credit score, it was agreed with the loan officer 's supervisor XXXX XXXX that they would pull my credit score. It was very clear that only my credit would be pulled and not my husband 's. UAMCXXXX pulled both my credit and my husband 's credit. When we found out that his credit had been pulled by XXXX XXXX we contacted UAMC immediately and they would do nothing to resolve the issue. My husband attempted to dispute the unauthorized credit pull by XXXX XXXX, but they would not remove the unauthorized credit pull from his credit report.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Synchrony Financial
Issue: TX
Subissue: 750XX
Consumer_narrative: Older American
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: No
Date_received:
I am a XXXX. I did n't believe I owed either amounts but I paid the first in full as billed. Wal-Mart did refund the second billed amount of {$130.00} when I challenged the charges. However, when I requested copies of the $ XXXX Wal-Mart charges it alleged I owed, Synchrony Bank responded " we are unable to provide you with the information requested as it is no longer available ''. My account is not one year old."


Date_received: 03/29/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Taking out the loan or lease
Company: Risecredit, LLC
State: IL
ZIP_code: 606XX
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 submitted an application for a loan at rise credit on Friday the XXXX of XXXX was approved in regards to waiting proof of income in which I also submitted on Friday the XXXX of XXXX and again on Monday the XXXX of XXXX. I 'm filing this complaint against the company because they advertise if approved the money would be into my account as early as the next business day and today is the XXXX of XXXX and the money has not been deposited into my account yet nor have I had the opportunity to complete the final steps of my application. This, I believe is false advertisement. ( See attached documentation. )


Date_received: 05/07/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Diversified Adjustment Service, Inc.
State: NC
ZIP_code: 274XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XX/XX/XXXX, XXXX sent a package to my XXXX NC home, and it was immediately returned. I never purchased anything from XXXX, nor did I ever attempt to open any account with XXXX. I am a XXXX, so when I came home for break, I seen that I had a collection letter from XXXX dated XX/XX/XXXX, stating that I owe {$810.00} for an unauthorized account. I honestly do not know what is going on and why I am receiving this notice.


Date_received: 05/13/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
ZIP_code: ever month in XX/XX/XXXX ; and in XX/XX/XXXX
Date_sent_to_company: then this agency must stop them
Complaint_ID: Yes
Consumer_narrative:
While this case is about XXXX XXXX XXXX ( which I have received letters like this case has ), it fits best my XXXX XXXX XXXX complaints. In fact, XXXX XXXX XXXX has already supplied a letter dated XXXX XXXX XXXX, stating that the furnished account was correct, they would continue to report it, etc. It was not correct. I was not legal either. Think about that when reading this. My situation falls in between the case below. My case did not make a payment in order to be reported. However, they reported payments were made on time, though I never made any. Using this case, even positive time-barred reporting is barred, whether paid, unpaid, etc. Because Experian was the most specific reporting on this credit account - closed in XX/XX/XXXX - and reported " paid on time '' each and every month of XX/XX/XXXX by an "" internal '' upgrade by the furnisher

Company_public_response:
 shows that the credit reporting - BY DATE ALONE - wilfully violated the law. So this case will be added to my other documents against both the furnisher and the credit reporting agency in court. Hopefully

Company:
 the reality-check of this clear language will speed up the too-slow investigation and reinvestigarion into the details of those 13 months of payment data. Those details are not even admitted to by the furnisher ( U. S. Mail ) a week after I called the Fraud department. Yet

State:
 they are right on the Experian credit report I initially received in XXXX XXXX. XXXX other credit reports have variations on this reporting ; such that it could not have been a single furnishing. It was in XX/XX/XXXX

Submitted_via:
 too. This XX/XX/XXXX account will be on my credit report until XX/XX/XXXX because the letter by the bank said it will continue to report it - thus causing me to continually dispute it until then - and says it was correctly reported. The case should serve as a "" cease and desist '' to Experian for any and all accounts connected to XXXX XXXX XXXX whatsoever ; regardless of what account is furnished!!!!! If the furnisher refuses to stop


Date_received: XXXX As in that case
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Experian
Subissue: MI
Consumer_narrative: 482XX
Company: Consent provided
State: Web
ZIP_code: 05/13/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. ''"


Date_received: 07/05/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Complaint_ID: Yes
Consumer_narrative:
I have information with evidence that Suntrust Bank has a program that is being used to generate " Overdraft Fees '' in accounts that are not in the negative. They have been using this program for at least XXXX months. The program creates a "" phantom '' charge which is equal to the amount in the account. This charge while not actually taking the money out of the account


Subproduct: she said she would contact me the next day but
Issue: did not."
Subissue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative: SunTrust Banks, Inc.
Company_public_response: NC
Company: 274XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 07/05/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: Yes
Complaint_ID: 1997055
Date_received:
The Phantom charge says it is paying a bill to the account holder. No money leaves the account. This charge has no ACH reference number or place of origin

Product:
 meaning that this charge is being created by Suntrust. A member of their legal team ( Who stated she was a customer relations expert ) contacted me to try and get me to release all my evidence to her. When I only gave her enough to prove my point


Date_received: 06/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: FL
ZIP_code: 329XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XX/XX/2013 {$270.00} CABLE/CELLULAR has charged me an incorrect charge which is negatively affecting credit status on all XXXX credit bureaus. I 've cleared all my accounts with XXXX and have an active account with them currently.


Date_received: 06/17/2016
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: Pressler & Pressler, LLP
State: NJ
ZIP_code: 071XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was asked about my assets, then I was sued, never offered payment plan or any other suitable conclusion.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: MD
Subissue: 209XX
Company_public_response: Consent provided
Company: Web
State: 06/11/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.I have my doubts about their investigation process.


Date_received: 07/05/2016
Product: Bank account or service
Subproduct: Other bank product/service
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: Wells Fargo & Company
State: PA
ZIP_code: 170XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Wells Fargo Bank has been taking out of my XXXX XXXX XXXX XXXX account {$57.00} on the XXXX ( XXXX ) Monday of each month. I do not know how long this has been going on, I discovered the deduction in XXXX of this year when my father reviewed my accounts and brought it to my attention. I DO NOT KNOW WHAT THIS DEDUCTION IS FOR OR WHO AUTHORIZED THE DEDUCTION. I have tried making contact with Wells Fargo Bank to find out about this deduction, they say they have no knowledge of the deduction, and refuse to cooperate in any way to find out what it is. I have not opened any Wells Fargo accounts or made purchases were Wells Fargo is involved to the best of my knowledge. I would like this deduction identified, if it is a legitimate deduction, XXXX that I am responsible for, I will assume it, however, will someone please tell me why Wells Fargo is taking this money out of my bank account each month and can not tell me why they are doing so. XXXX XXXX XXXX XXXX provided these numbers : ACH Item XXXX and Trace Number XXXX.


Date_received: 06/13/2016
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: SC
ZIP_code: 297XX
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:
I am filing this complaint because Experian 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 matter as soon as possible. Thank you"


Date_received: 07/06/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: FL
ZIP_code: 331XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
According to the FEDAL FAIR CREDIT REPORTING ACT consumer reporting agency may not report negative information that is more than seven years old from the fist date of that account being late.According to credit report file from XXXX/XXXX/XXXX and credit report file from XXXX/XXXX/XXXX show that the items is do for deletion


Date_received: Throughout the entire process I was given conflicting
Consumer_narrative: Amex
Company_public_response: WA
Company: 980XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/22/2016
Company_response: Closed with monetary relief
Timely_response: Yes
Consumer_disputed: Yes
Complaint_ID: 1936016
Product:
 contradictory and false information by AMEX personnel. I was outright lied to by AMEX personnel and Supervisors ( XXXX ) by them agreeing to assist me then not following through with what they said they would. Additionally

Subproduct:
 AMEX personnel claimed events that were simply impossible by citing incorrect dates and corporate policy that I felt they made up as they went. Closing an account and settling it

Issue:
 only to continually bill the member is deceptive and illegal. This seems to be the way AMEX conducts their everyday business."


Date_received: 06/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 948XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
There is an account on my Experian Credit Report from XXXX XXXX XXXX # XXXX which do not belong to me and have disputed wth Experian Twice and they have disregard my dispute since they continue to report this account on my report!!


Date_received: 05/22/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: PayPal Holdings, Inc.
State: FL
ZIP_code: 331XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
PayPal conducted an unauthorized credit inquiry on XXXX XXXX, 2016 on my credit report. Because they enrolled me in a PayPal Credit without my knowledge or consent, making me use Paypal Credit for purchases instead of my credit card and mishandled my dispute about the case.


Subproduct: Bayview Loan Servicing, LLC
Issue: NJ
Subissue: 080XX
Company_public_response: Consent provided
Company: Web
State: 05/22/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I am looking into if I can sue XXXX and bay view loans for not providing a single document and not notifying anyone about any changes. XXXX bank was been contacted about getting proofs of payment, but still refuse to work with myself or XXXX


Date_received: 07/04/2016
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: CoreLogic
State: FL
ZIP_code: 341XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Credco in XXXX XXXX, CA did XXXX hard credit inquiries XXXX day after the other on XXXX XXXX, 2015 and XXXX XXXX, 2015. I have no idea why they would pull XXXX hard copies reports on 2 consecutive days. I may have authorized XXXX, but, never XXXX in XXXX days. This is hurting my credit rating and XXXX should be removed as it is clearly a duplicate.


Date_received: 07/05/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
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: OH
ZIP_code: 431XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We have been in our home for 12 years. Never did I not want to pay our payments but could not get anyone to take our money. Sounds funny but is true .We have been working with SLS for 2 years on a loan modification that is where I fill that the scam started. To date we still are in our house with no one willing to take our payments just day to day hopping we do not lose our house. No one can give me any answers Why can I not make a payment on my house and been told to do a modification for 2 years? We been told we are to fair behind and with penalties and fees we do not qualify now sounds like a Scam to get our house, .I feel sls never was going to to anything but try and take our house. No one will listen to me yelling about it I need help something is wrong here and it is not right.I can not even get a payoff from them


Date_received: 06/06/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Sterling Jewelers Inc.
State: FL
ZIP_code: 325XX
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 have recited 10 calls in the last 30 minutes from the coperate office of kay jeweler. I have told them I am disputing the charges. They have also contacted a family member of mine and disclosed mt personal information. And they called my XXXX year old son who I did not put down his contact information


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: 958XX
Company_public_response: Consent provided
Company: Web
State: 06/27/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This was a glich in TransUnions site, on XXXX they all reappeared, I was never informed the 5 days per FCRA section 611 by TransUnion, I called on XXXX and spoke to XXXX in the Special Handling Deparment, informed her of the information and asked for the inquiries to be deleted. She stated no. TransUnions glich was not in my control and now that they have broke the law and affecting my credit negatively they do not want to do what is right ( per law ) since they broke it. Please advise.


Date_received: 07/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: IA
ZIP_code: 514XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/05/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
My name was changed on my Experian credit report starting the date of the fraud document with the bank. I have sent all my information to Experian 2 times. Today I received mail from them again under the name XXXX XXXX XXXX, My name is XXXX XXXX XXXX. At this time I am not sure what other information in my report is wrong because I have not been able to get to a report in the last year. Thanks.


Subproduct: HSBC North America Holdings Inc.
Issue: MD
Subissue: 207XX
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This is extortion, fraud, wire/communication fraud just to name a few. The conduct of HSBC and XXXX are vile, contemptible, miserable, wretched and loathsome.


Date_received: 05/11/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Company: PayPal Holdings, Inc.
State: PA
ZIP_code: 164XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
There is a XXXX hard inquiry credit check on my credit history pulled XXXX XXXX, 2015. I understand this is associated with Paypal, and I never authorized this or requested a service beyond having a Paypal account through my e-bay transactions.


Date_received: 04/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Bayview Loan Servicing, LLC
State: MA
ZIP_code: 027XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Applied for a modification, was told I have exceeded my modification limit. Second, was told when I applied that I was not delinquent with mortgage. I was on my second month behind. That is misleading, why in the beginning did they not tell me I was not a candidate. My yearly income is {$XXXX}. First time around they calculated into 4 weeks, now they want to divided daily amount. My monthly expenses are {$4700.00}. My wife has left me to care for XXXX kids with no help, they think it 's not a reason. I love my house and it 's not the best looking in the neighborhood. I 'm trying very, very hard to stay here and raise my kids. I need help and feel no where to turn.


Date_received: 05/09/2016
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: NC
ZIP_code: 275XX
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/15 I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$400.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at XX/XX/XXXX, Citi has decided not to honor the promotion. Citi has decided that I wo n't receive the points unless I find a postcard from 6 months ago. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$90.00} of fees and I will not be getting {$400.00} worth of Thank You points. This is NOT right. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Company: Nelnet
State: ME
ZIP_code: 042XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My student loan had been discharged XXXX/XXXX/2010. Nelnet claims I did not contact that last year and so without warning since XX/XX/XXXX they have been taking {$150.00} from my XXXX check which I am barely living on. Said I have to re-apply. I did and have also shown proof of emails where I have tried to contact them in past XXXX yrs. I sent everything they needed in the packet. I have called several times each time they have my wrong address. Each time I give them the correct one, although the mail gets to the right address. I have XXXX of which I have been working very had to stay off XXXX medications but these people keep sending letters saying I forgot this and that when I have copies of everything I sent them. I volunteer at XXXX XXXX XXXX and they helping me but I just got another letter from them saying they ca n't process till they have section XXXX from the Doctor which was sent in the packet. I called and it is because the doctor did not write XXXX , he wrote XXXX . This is ridiculous.


Date_received: 04/26/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: Equifax
State: TX
ZIP_code: 750XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
my issue is with Equifax credit reporting agency, they have items on my report that should be deleted. I have had this issue repeatedly with them, there was an item that was on my report fro the company XXXX in which they wanted me to pay them XXXX, which I knew was incorrect and I submitted a court document showing I owed much less and they somehow lost it three times and received on the fourth try. upon reviewing it and plus I gave them thirty days they told me on the phone because the company has my social security number that superseded the court order and the amount was correct. needless to say this item just finally came off my report. I talked to them recently about a XXXX XXXX item on my report that has been on my report for 11 years and that have been removed in 2012, I even called XXXX XXXX and they looked at it and evened agreed with me saying it should have been removed plus the account is closed. Equifax stated which have recorded that they charted on it and it will stay for 7 more years, which I know it is not correct. another issue that bothers me is that negative items are disappearing and my credit score is decreasing, which to me is making no sense. I have not had any new negative items added either.


Date_received: 04/08/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: TX
ZIP_code: 761XX
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 had a vehicle Financed through XXXX XXXX. I paid the monthly on time every month except one month I had my payment defered. I traded this Vehicle in for another in XXXX of 2015. My credit report shows a repossession of said vehicle and I have disputed this with the bureau several times. And every time it comes back verified. I have contacted XXXX about this and they tell me they have not verified anything regarding a repossession on my account. I have sent numerous letters to the reporting credit bureau to no avail. My next and final option is a lawsuit against the credit bureau for damages caused by their lack of effort in correcting the matter.


Product: I 'm paraphrasing
Subproduct: until I bring my employer to a chase bank branch. From our neighborhood
Issue: where my employer and I both reside
Subissue: its a 5-8 hour trip
Company_public_response: loose sleep to catch a ferry
Complaint_ID: Yes
Date_received:
I 've been a customer with JP Morgan Chase off and on for more then a decade. This response and escalation was very rapid, unusual, and unnecessary. I was directed to speak to the fraud department and was left feeling punished, sincerely asking myself, " What did I do wrong? How is this my fault? '' Eventually I 'm told that JP Morgan Chase will be holding my money hostage

Consumer_narrative:
 depending on traffic and ferry to visit a branch. My employer is being asked to loose XXXX dollars in production to close shop for a day


Date_received: Furthering my frustration
Consumer_narrative: some to cover what ever fees
Company_public_response: and a little for a buffer
Company: the rest was to go to XXXX. I scheduled it for the next day
Submitted_via: and the bounced checks that resulted
Complaint_ID: Yes
Product:
 I also bank here locally on the XXXX at XXXX bank. I keep my same old Chase bank account so I can send money to my grandmother who also banks there

Subproduct:
 and because it was linked to a decade old insurance settlement which makes a large annual deposit. I would have deposited the paycheck locally if not for needing to get XXXX dollars to my grandmother ASAP. On my local account I noticed I was going to need money from the Chase account to cover a few checks I had written

Issue:
 the most important was to pay for court and probation on my suspended licence. I decided to bite the bullet and pay the fee for a wire transfer

Subissue:
 it would be immediate rather then waiting the usual 2 days to transfer some money from Chase to XXXX. I left the chase account money for Grandma

State:
 the day my paycheck was projected to clear. That was the day Chase closed my account. As a result of the failed wire XXXX Checks I wrote bounced including the XXXX to court

ZIP_code:
 I do n't know if I 'm violating probation or not and I 'm denied access to funds to fix it. My reputation with my local bank and a few small locally owned businesses is now tarnished as a result of Chase banks over reaction


Subproduct: and I do n't know when they will be. Will it be before the electric bill comes in
Issue: or rent. The XXXX swelters and suffocates
Subissue: its palpable
Consumer_narrative: keeping me awake all night
Company_public_response: effecting my productivity
Company: further diminishing my perception of my value
State: increasing my XXXX. A Cruel and Unusual punishment indeed."
Submitted_via: JPMorgan Chase & Co.
Date_sent_to_company: WA
Company_response: 982XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Date_received:
Being associated with the frustration of this situation is causing my insecurity to manifest in a perception that my value as an employee is diminishing. This perception fills me with XXXX. Compounded with the legal issues

Product:
 and the simple financial woes of the money that was going to pay for the next few months of expenses is not available


Date_received: 05/14/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
ZIP_code: Ocwen
Submitted_via: PA
Date_sent_to_company: 173XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/14/2016
Consumer_narrative:
I have an issue with Ocwen Loan Servicing. I lost my job XX/XX/XXXX due to illness, and have been working as hard as possible to make the mortgage payment since. On XXXX XXXX, I filled out the paperwork for a loan modification. I called Ocwen XX/XX/XXXX to find out what I needed to do. I received a letter stating that my profit / loss statement was invalid because it was not signed ( I own the business ) .The female I spoke with said I had been approved for a HAMP modification, which I knew nothing about. I told Ocwen I had not received any paperwork. She emailed me the information, which I received on XXXX XXXX. I was also set up with a phone meeting with my Ocwen loan representative, XXXX XXXX on XXXX XXXX. I did receive a phone call from Ocwen on XXXX XXXX, but not from my loan representative. I stated that I had read the information and would like to move forward with the HAMP modification. I was told it was no longer an option because I had missed 2 of the trial payments, XX/XX/XXXX and XX/XX/XXXX. I politely told the gentleman that I had not even received the information on the modification until XXXX XXXX, and that there was no way I could have made a payment on XXXX XXXX, when I was n't even aware I was approved for the modification. He had no answer for this, but insisted I send a signed profit / loss statement to them. They had asked for the last 3 months, in my original modification filing on XXXX XXXX, I had given them the last 3 months plus my entire XX/XX/XXXX profit / loss statement. I explained to the man that I owned the company and the statements were generated by my accounting software. He instead asked for an email with XXXX numbers on it, gross income, business expenses and net income. My statements had all XXXX. He then set me up with another phone meeting with my loan representative for XXXX XXXX and I have yet to receive any information on modification programs. This is just the latest issue with Ocwen. I have our small mortgage which was originally a line of credit in collections. I attempted to pay it up to date by sending them a check which was less then XXXX, they held the check until the next months payment was due, then returned it saying they needed a certified bank check, which no where in my original note does it give them permission to demand a certified check. I have called them to complain about " inspection fee 's '' listed on my statement. My next statement would have the same amount listed as "" Other Fees ''. They said it was a drive by inspection

Company_public_response:
 but when I asked them if the home was under construction or not ( it is ) they could not answer. They have claimed to have sent certified mail to the home

Company:
 but can not produce a signed mail receipt. The address on the statements is not even the correct mailing address. I am at wits end with them and am very afraid that their goal is to make it almost impossible to pay my mortgage resulting in foreclosure. What can I do?"


Date_received: 05/18/2016
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: Shellpoint Partners, LLC
State: CA
ZIP_code: 953XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Shellpoint Mortage, XXXX SC increased my monthly mortgage payment without notifying me in writing or by email. The increase was for the impound account. Dates were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late payment are reflected on my credit report. However, my typical monthly payment was deducted from my account on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Once I understood that increase I paid all the back amount due. My report should not reflect their incompetence.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Mobiloans, LLC
State: TX
ZIP_code: 773XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
They consistently call my phone 3-6 times a day. I have told them that I do n't have contact with the person they are trying to reach and they still call.


Subproduct: PHH Mortgage
Issue: VA
Subissue: 232XX
Company_public_response: Consent provided
Company: Web
State: 03/29/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
We have not even had this loan a full year and continue to have issues with sub-standard servicers. PHH reps do not speak English and I can not understand them very well so I use there email service. I also have checked the online account for current info. No one reaches out to me with full summaries of where the escrow money went, when it was posted and when the analysis will be complete. They just send statements, payment bills and respond to emails with short, partial answers that do not even begin to address my inquiry.


Date_received: 06/17/2016
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: Allied Interstate LLC
State: CO
ZIP_code: 801XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/20/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16 I received a letter from the collection company stating that they would settle the student loan debt by setting up monthly payments of {$250.00} per month for 550 months or until the debt is paid in full. Part of the agreement was that after the 3rd on time payment they would reduce the interest rate on the balance of {$130000.00} from 8 % to .001 % for the remainder of the payment terms. I called the collection company on XXXX/XXXX/16 @ XXXX to accept the terms and set up automatic payments from my checking account. The first payment was to come out on XXXX/XXXX/16 which it did. Then I had another payment come out on XXXX/XXXX/16. However I did not have a payment come out for XXXX/XXXX/16. When I called on XXXX/XXXX/16 to inquire as to why no payment came out, they stated that the account had been recalled by the creditor ( XXXX ) on XXXX/XXXX/16 and then resent to the collector ( Allied Interstate ) on XXXX/XXXX/16. This process caused the original account number to be cancelled and a new account number to be issued. It also caused the automatic payments to be cancelled. I attempted to call the collection company on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, & XXXX/XXXX/16 to try to resolve this matter and have the collector reinstate the original payment agreement. On all of the above dates I asked for a member of management to assist with this issue. I talked to XXXX XXXX & XXXX XXXX whose titles are Vice President of Operations. Neither XXXX of these people were willing to reinstate the original terms of our agreement or contract. I made the first two payments totaling {$500.00} for nothing. The collection company also refused to correct the calculated interest per the agreement so that the rate would reduce to .001 % effective XXXX/XXXX/16. Since XXXX/XXXX/16, I have been incorrectly charged over {$3000.00} in interest. This is nothing more than a malicious and deceitful collection company and practice and I ask for assistance in holding this collector accountable for their illegal actions.


Date_received: 05/02/2016
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: WA
ZIP_code: 992XX
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:
Transunion has not deleted XXXX collection accounts from XXXX XXXX even though the collection company sent them a request to delete the items. I have spoken with XXXX from XXXX XXXX and he has verified twice now that the request was submitted to Transunion to delete the items. When I called Transunion and spoke with a CS about it there was no resolution sought or offered.


Date_received: 05/06/2016
Product: Consumer Loan
Subproduct: Title loan
Issue: Payment to acct not credited
Company: TD Bank US Holding Company
State: MA
ZIP_code: 018XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
equity loan, got an equity loan in 2008, I had a loan with the same bank I wanted to refinance and pay off some credit card bills, bank is td bank, now I have a chance to refinance with a VA loan and combine XXXX mortgage and XXXX into one loan at alower rate, well td bank says that the payoff of XXXX equity loan was not recorded and want me to provide to payoff proof, i have copy of the loan payoff and that 's all, do I need a lawyer to get this fixed?.


Date_received: 05/09/2016
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: MN
ZIP_code: 554XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/15 I opened a Citigold checking account after receiving an offer in the mail stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I have met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by the end of XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, that I had met the requirements, and that the points would be deposited at the end of XXXX, Citi has pulled a bait in switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done XXXX searched and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.


Subproduct: Nationstar Mortgage
Issue: GA
Subissue: 300XX
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:
As of XXXX XXXX, XXXX, Nationstar has still not released funding to start the construction of our home. Because of some issues we ran into with our septic system, we decided on hiring a contractor. All applicable paperwork required by Nationstar has been sent in to them. We need them to release funds to our contractor and also to reimburse us for funds we expended that we were told we would be reimbursed for. We called and complained when they said they were n't going to pay us. Approval was granted to pay our reimbursement by corporate headquarters but when I called today to check on the status of any payment, I was told that we could n't be reimbursed until 90 % of the home was rebuilt, something that was never ever told to us. We just want to get this process done and our home rebuilt, something Nationstar in apparently not interested helping expedite


Product: item 1 ''. In the same paragraph
Subproduct: item 1
Complaint_ID: Yes
Date_received:
( 2 ) After repeated requests, unable to obtain the " loan application '' referenced in the signed "" Borrower 's Certification and Authorization

Issue:
 it states that "" I certify that all of the information is true and complete. '' ( 3 ) I was also unable to obtain the "" loan '' details until just before closing


Complaint_ID: Yes
Date_received:
( 4 ) After I gave them the ultimatum that "" If I did n't get a copy of the loan application I would not close ''


Date_received: Contacts ( telecons
Product: emails
Subproduct: and CCs ) : - XXXX XXXX ( XXXX XXXX )
Consumer_narrative: XXXX XXXX 's manager ( no responses ) - XXXX XXXX ( XXXX )
Company_public_response: VP
Company: Fulfillment Team Leader - Consumer Lending Client Experience ( seemed very responsive
State: but stopped communicating after item ( 4 ) above ) - XXXX XXXX (? )
ZIP_code: Site Operations manager ( I left a return call message
Submitted_via: no response
Date_sent_to_company: and he later claimed voice mail issues ) - XXXX XXXX (? )
Company_response: Home Services Specialist ( responded well
Timely_response: expedited process
Consumer_disputed: good performance ) - XXXX XXXX ( XXXX )
Complaint_ID: Inbound Specialist ( the best customer experience that I received
Issue:
 Mortgage Loan Officer ( evaded my email questions and always wanted to hand me to others ) - XXXX XXXX (? )

Subissue:
 Chairman and CEO ( CCs triggered many responses and moved the process time from 6-8 wks. to 4 ) - XXXX XXXX (? )


Date_received: As you are well aware
Complaint_ID: Inbound Specialist ( the best customer experience that I received
Product:
 federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware

Subproduct:
 failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously


Product: I 'm sure you 'll want to handle this matter as soon as possible. For this purpose
Subproduct: I have included a copy of my original request
Complaint_ID: Inbound Specialist ( the best customer experience that I received
Date_received:
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case


Date_received: 03/20/2016
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: Continental Finance Company, LLC
State: FL
ZIP_code: 321XX
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 pay have a credit card through consumer finance. Every month they are reporting me delinquent on payments. They are damaging my credit, and non of the payment I have made have ever been 30 days past due.


Date_received: 04/07/2016
Product: Consumer Loan
Subproduct: Vehicle lease
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: Experian
State: OH
ZIP_code: 441XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My complaint is with Experian, XXXX and XXXX about an account on my credit report listed under XXXX XXXX. The bureaus are damaging my character and an overly burdensome task to have this rectified. I have never owned a XXXX vehicle and never made any late payments. I have worked with XXXX XXXX and sent many letters asking them to provide documentation that they are using to confirm the account is mine, and that i had made said late payments. I request this account be removed from my credit report if they can not provide requested proof/documentation. I have rights under the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance with my requests. I pray for relief from this overly burdensome mark on my credit. I certify that this said vehicle was never mine and I never made late payments to XXXX XXXX.


Date_received: 05/09/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
I recently received a notice from Chase Mortgage Company that my escrow account was low and my mortgage payment would be increased to cover the shortfall. When I inspected the escrow account I noticed I was being charged over $ XXXX/year for a " misc '' insurance coverage. Knowing that I made no such insurance commitment

Company_public_response:
 I called Chase to find out and they informed me that the charge was for homeowners insurance with XXXX XXXX XXXX XXXX. Well

Company:
 I already have such coverage with XXXX 's and called my agent to find out why I pay double for the same service. He was able to tell me that the account number that Chase applied actually belongs to my neighbor. In essence


Product: I am furious
Subproduct: upset
Complaint_ID: Yes
Date_received:
I am concerned that Chase either purposefully tried to sneak money from me using the trusted escrow account or are totally inept at applying correct account numbers. Either way


Subproduct: JPMorgan Chase & Co.
Issue: AZ
Subissue: 853XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Chase Mortgage Co. bought my mortgage from the company who bought it from my original loan company. Too many exchanges like this is not a good practice and the homeowner has no voice in the matter. I totally dislike Chase."


Date_received: 05/15/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Barclaycard closed my credit card account with no warning and now claims that I have 'forfeited ' my cash back rewards balance of {$12.00}, even though I had no knowledge of their plan to close my account. Clearly, if I had known, I would have access that cash rewards as a credit to my account.


Date_received: 05/10/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: NY
ZIP_code: 109XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX 2015 I visited my local Citibank branch and was told about their great bank account the citi gold account. While I had no need for this bank account since I already had XXXX, I was told about all the benefits of the account and a XXXX point sign up bonus as well which I was to receive 3 months later. This sounded great and I signed up for the account. Now 5 months later when I requested my points they said there was no such offer for me which is directly contradicting what I was told at the branch. I am outraged how a big bank like this can make such empty promises and expect to get away with it. I hope they give me the promised points.


Date_received: 04/11/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: MD
ZIP_code: 208XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received XXXX consecutive 30-Day Lates with Nation Star Mortgage when I paid my mortgage on-time. Nationstar did not notify me that they placed an Escrow account on my mortgage which increased my mortgage about another {$250.00} in which I was unaware. As I paid my normal mortgage amount on time each month, Nationstar took my payments, put them in a holding account, deemed me as unpaid and issued me XXXX 30 day lates and they refuse to remove them. Attached is my proof of payment of both mortgage and property taxes. I need help getting them to deal fairly with me.


Date_received: 05/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Round Point Mortgage
State: VA
ZIP_code: 235XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I refinanced my home. I contacted the original mortgage company for disbursement of my escrow funds. I was told that they do not disburse the funds until eleven business days after the closing. I was told that this is consistent with federal guidelines. I paid a title company to handle all relevant issues regarding this transaction. I believe that this is an illegal taking and a provision of some federal regulation that apparently allows this company to keep my funds for an inordinate amount of time.


Subproduct: Franklin Collection Service, Inc.
Issue: IL
Subissue: 604XX
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:
As this debt was paid in full upon original receipt, XXXX XXXX XXXX was contacted multiple times and not only acknowledged that the debt was not to be paid through its direct agents and confirmed through multiple departments and proceeded to sell the debt, I believe that XXXX XXXX XXXX has violated 15 USC 45 under both the deceptive and unfair prongs of UDAP. I believe the sale of the debt & involvement in the debt collection market should be held to the corresponding standards of 12 USC 5531 & 5536.


Date_received: 06/16/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company: Quicken Loans
State: NJ
ZIP_code: 070XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/16/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
I was contacted by XXXX XXXX ( XXXX XXXX ) at QuickenLoans ( who got my name from XXXX ) as I was interested in finding out more about mortgage rates. During our conversation it was never made clear to me that he would be checking my credit and providing a pre-approval letter. I never gave my written or verbal consent to have my credit checked.


Date_received: 05/23/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: EOS Holdings, Inc.
State: CO
ZIP_code: 809XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I told XXXX, and now EOS CCA, that the XXXX dollars is not mine, and it should not be on my credit report none whatsoever. Debt was absolved through verizon, but now they are going to say I owe them, and those clearly are not the facts.


Date_received: 05/10/2016
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: OH
ZIP_code: 453XX
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:
In XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX XXXX miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX miles to be deposited into my account by the end of XXXX. During this time I was charged 3 monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 6 months ago showing the offer. I do n't keep mail around for 6 months, and NOTHING was ever said over the past 6 months about needing to keep that post card. Now I have {$90.00} of fees and I will not be getting XXXX XXXX miles. I 'm not alone. XXXX of people are in the same situation as me. I 've done XXXX searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.


Date_received: 05/11/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: MI
ZIP_code: 480XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We currently have an FHA loan & after 5 years, we are eligible by law to drop our Private Mortgage Insurance ( PMI ) if our debt to equity is below ~78-80 %. Nationstar Mortgage is denying us, because they are claiming it is based on the original loan value. However, in their letters they stated that it 's either the loan value OR current market value. I tried tirelessly to a contact a representative at Nationstar Mortgage to get an appraisal done ( at my expense ), but I am getting runarounds and other excuses as to why I am not able to get this process completed. They are insisting that I refinance my mortgage in order for this to occur. Over a year ago, I was able to contact a representative and he explained the process that was needed to be done. However, I was n't eligible by law because I did n't hit the 5 year time frame. Now that the value of my house is well above $ XXXX ( rough estimate to meet the % requirements ), it is now time for the PMI to be removed indefinitely, with a credit back to me from Nationstar Mortgage for not working quickly with me to resolve this.


Date_received: 05/13/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Company: Navient Solutions, Inc.
State: NJ
ZIP_code: 075XX
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 completed a cosigner release form, this was the second time I completed this form in two-years. I supplied Navient with all the required information needed for the cosigner to be released. In turn, they denied my release based on my sole income, stating that I do not make enough annually. However, I included my spouse 's information ; passport and pay stub, as our total household yearly sum, which is more than enough to pay the loan monthly as I have been for the 12- consecutive months that they requested on the cosigner release form. I work part-time and I 'm a mother So I 'm not sure why Navient will not consider my spouse 's income as additional support for these payments. My time, money and effort have went into this without satisfaction and I did not end up with the results that I expected. All I want is for my cosigner to be released as I believed he would be if I completed and sent Navient all the valid and requested information. Please help!!


Subproduct: CIR, Law Offices
Issue: CA
Subissue: 913XX
Company_public_response: Consent provided
Company: Web
State: 06/15/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Further CIR , Law Offices XXXX Attorneys are failing to Identify them selves as Licensed Attorneys. Their demand letters have no BAR NUMBER identifying themselves as California licensed Attorneys. XXXX XXXX XXXX is not a licensed Attorney, and is representing himself as a Licensed Attorney and attempting to collect a fraudulent debt. NO Bar number is listed on XXXX XXXX XXXX 's demand letters who is representing himself as a licensed attorney.


Date_received: 05/06/2016
Product: Credit card
Issue: Sale of account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: AZ
ZIP_code: 850XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
This is the third time for filing this complaint. After each contact Wells Fargo has given me a different story of why I was sent a {$300.00} dollar check on an account that was sold to a collection agency. This last time the collection agency told me that Wells Fargo told them that it was for overpaid interest. I have attached a letter and all of the information including the new information received.


Date_received: 05/05/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Submitted_via: I expected to receive my lien release/original loan documents
Consumer_disputed: if Chase chooses to deviate from its normal process to close a loan
Consumer_narrative:
I had been aggressively paying down the Chase mortgage on my co-op for the past year or XXXX. By XXXX 2016 the principal balance was {$1500.00} so I requested a payoff quote. I received very confusing information about the process to pay off my mortgage ( e.g., there would be a closing, I was required to have an attorney, the attorney fee is {$370.00}, etc. ) ; apparently, the representatives I spoke with did not understand -- or bother to confirm -- that I was doing a straight payoff, not refinancing. As a result of all the confusing information I received, I was not able to pay off the loan by the date the quote was good through -- if I remember quickly the quote might have arrived after the " good through '' date

Company_public_response:
 but the representative I requested it from did not think to suggest I request a later date. I decided to just pay off the {$1500.00}

Company:
 thinking Chase would then have to provide clear payoff instructions via my XXXX mortgage statement. Instead

State:
 Chase held the funds in limbo and did not process the payment. When I called to inquire why the payment had not been processed ( on approximately XXXX XXXX )

ZIP_code:
 they advised that it was unclear that I was paying off the loan since the payment was short $ XXXX dollars ( interest for that month ) ; they ended up forgiving the interest and closing my loan that day. From doing a little research on what happens after you pay off a mortgage

Date_sent_to_company:
 co-op stock certificate and proprietary lease. After over a month I had received nothing. I called Chase on XXXX XXXX to inquire about the documents ; it was only then that a case was created to start the lien release process. On XXXX XXXX I called back and received the XXXX tracking number for the lien release which had been sent to XXXX XXXX records office ( every time I called I received unclear and slightly different information about which documents they would be sending where ). It later occurred to me that there was still no update on the stock certificate and proprietary lease

Company_response:
 so on XXXX XXXX I called back to inquire about those documents. It was only then that another case was created to have them sent to me ; I was advised it would take XXXX 10 days. On XXXX XXXX I called to follow up and was advised that the only/last note on XXXX XXXX indicated they were looking for the documents in their warehouse ; I asked when I should call back for an update and was told to call on Thursday. On XXXX XXXX ( today ) I called and there was no update or additional note since the XXXX on XXXX XXXX ; she advised she would send an email to their Research department to escalate the matter. I asked the representative if this is the normal process ( i.e.

Timely_response:
 it 's up to the borrower to keep calling to request documents that Chase has a legal obligation to return to him/her ) ; she could not explain to me what went wrong in my case. She said she confirmed that the XXXX 3/lien release had been recorded by XXXX XXXX and asked me if I needed the other documents to refinance ; I had to remind her that the stock certificate and proprietary lease are the only legal proof I will have of my ownership in the co-op and rights to my apartment. I suspect that the way my loan was closed is part of the reason processes that should have happened automatically were never triggered. However

Complaint_ID:
 they should have a manual process to ensure next steps are still carried out ; it should not be up to the client to follow up multiple times to ensure he/she receives all documents to which he/she is entitled."


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_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: WI
ZIP_code: 532XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
US Bank calling from XXXX XXXX/XXXX/2016 @ XXXX XXXX called & refused to remove our business number from their system, as well as stop calling here for XXXX XXXX XXXX I said, our staff ca n't recieve calls. The lady refused to remove our number & told me tell XXXX to call them & hung up on me.


Date_received: 06/20/2016
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: Byrider Franchising, LLC
State: KY
ZIP_code: 402XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I purchased a vehicle from a finance institution that now I see goes under XXXX different names at the same address which confirms my claim of fraudulent activity. They are called CNAC Financial and also Known as BYRIDER FINANCE LLC. Located at ; XXXX, INDIANA XXXX On XXXX XXXX, XXXX I purchased a XXXX XXXX XXXX and also a service warranty was attached. The sales person also at that time assured me that the vehicle had went threw their point inspection and that the car would be reliable for me and my family. After only a little over a week I contacted the service department with problems with the vehicle, we scheduled an appointment. I took the vehicle in on a Thursday morning, on Friday I called the service department to see when the car would be ready not anticipating what the worst. The lead man over service XXXX said this to me. He said there was no way that this vehicle could have went threw thier inspection cause of the things that are wrong with the vehicle. The problems could not have been missed like, Gasket Leak Around Engine, Fuel Line Leak From Corrosion, Problems With Exhaust, And Water Pump. XXXX said they had to order parts. XXXX and The Service Manager XXXX claimed they would fix all the problems and the car would be fine.I Dropped the Vehicle Off On Thursday, They gave me back the Vehicle on Monday, and The Service Department Closes At XXXX And They Are Not Open On Weekends. 2 -3 weeks later Same Problems. I called XXXX, I said your guys Did Not Fix The Problem Vehicle is Performing The Same as when I brought it in before. Once again I immediately called the CNAC/ BYRIDER FINANCE LLC people to complain about the issues of this car not being Safe and how the vehicle should have never left the lot with these types of Dangerous, Life Threatening issues.This is Twice they have let this Vehicle leave the lot. I even asked for this vehicle to be replaced in the Program Called Help To Repair Or Re- Establish My Credit. Since CNAC/JDBYRIDER FINANCE LLC ATTACHED A PRICE TAG OF XXXX DOLLARS TO THIS CAR. YES. XXXX DOLLARS. BUT THEY ONLY REPORTED XXXX DOLLARS TO THE CREDIT COMPANIES. I talked to CNAC/JDBYRIDER again around time for my car payment to be due about my issues. And my conversation with someone named XXXX and another individual became horrible, confrontational and inhuman. They asked me things like How Am I Eating? How Am I Paying my Rent? and Who was Paying My Bills? I was told that I Should Sell Something In My House. Cause I 'm 3 Days Late on My Payment. I tried talking to the Branch Manager XXXX, explained what was going on and How I No Longer Feel Safe In This Particular Vehicle. He Said He could not help me to get into another Vehicle and How My Contract Was Not With Him, But With CNAC/ JDBYRIDER. I Stressed To Both XXXX and CNAC/ JD BYRIDER FINANCE LLC . The Safety Of The Vehicle and How I AM NOT GOING TO DRIVE THE VEHICLE AND HOW FOR MORE THAN A WEEK I 'VE BEEN PLEADING WITH THEM TO PICK THE VEHICLE UP. AGAIN I STRESSED TO CNAC/JDBYRIDER And BRANCH MANAGER XXXX, How They Expect Me to Continue to Drive This Vehicle On My Insurance And How If Something Where To Happen Just Bringing This Vehicle To Them. They Would Fraud My Insurance Company BY Not Ever Acknowledging The Danger and Safety Of This VEHICLE. They EVENTUALLY PICKED IT UP ON XXXX/XXXX/XXXX Only AFTER I TOLD THEM THIS AND I REFUSED TO PAY SUCH A HIGH PRICE FOR SOMETHING THAT THEY KNEW WAS DANGEROUS AND UNSAFE THEY TOOK ADVANTAGE OF A XXXX WOMAN WITH A FAIRLY DECENT JOB AND PAY. AND THEY SENT ME OFF THAT LOT NOT ONCE BUT TWICE. THEY DID NOT CARE ABOUT MY SAFETY, THAT CAR COULD HAVE BLOWN UP. ALL THEY WAS CONCERNED WITH WAS THE 3 DAY LATE PAYMENT. NOT SAFETY OF VEHICLE, MY PERSONAL SAFETY OR SAFETY OF MY LOVED ONES. ALSO ALL CALLS WERE SAID TO BE RECORDED.


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

Company_public_response:
 NEW INFORMATION '' well if there is new information who did you verbally talk to too get this new information? No documentation was mailed to me explaining who Experian contacted. XXXX is not the form of verification that I requested by law Experian has to honor my method of verification request and they have not done so. When you see the method of verification form you will see why I am filing this last complaint before seeking legal action. This is my LAST attempt to resolve these issues. XXXX XXXX do not even return calls so I know they was n't verified. XXXX and XXXX sent me fraud forms to fill out which I sent back already. XXXX and XXXX have not provided me with documentation with my signature on there as well so how is it that XXXX have all this new information?????? I have contacted an attorney who is on standby until this last attempt is done. method of verification per FCRA Section 611 ( a ) ( 7 ) is what I requested. I can also send a copy of my certified mail receipt if asked."


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: USAA Savings
Issue: MI
Subissue: 480XX
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:
I have exhausted every reasonable attempt and my only other alternatives are complaining to government agencies and follow up wit Civil action. During my conversations with USAA I did warn them of reporting inaccurate information to the credit bureaus as my ability to finance real estate to develop would be in jeopardy. I have also emailed these concerns and mailed certified letters the XXXX disputing the balance USAA is currently reporting. It is also important to note that over the last few months I have paid over {$80000.00} towards my revolving lines of credit per advice from my loan officer in preparations to obtain a large ( XXXX figure ) construction loan


Date_received: 05/02/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: GA
ZIP_code: 301XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I 've received XXXX emails from Bank of America stating they have n't received my mortgage payment and for me to contact them as soon as possible. When I received the XXXX email, I called Bank of America and spoke with a rude person by the name of XXXX ( man ). XXXX verified that Bank of America DID receive my mortgage payment. I questioned XXXX about why Bank of America was harassing me with these emails on something that was n't even true!!! He refused to answer and became nastier. I terminated the call.


Date_received: 05/13/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Company: Navient Solutions, Inc.
State: MA
ZIP_code: 018XX
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:
Navient improperly calculated the monthly payments on a series of student loans by improperly using a shorter repayment/amortization schedule than was contained in the loan document. This has led to significant acceleration of the debt repayment and has caused financial harm and hardship in making higher payments than were required.


Date_received: 06/23/2016
Product: Credit card
Issue: Advertising and marketing
Company: Amex
State: CO
ZIP_code: 802XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/23/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I entered my information into the database to opt out of prescreened consumer credit offers, but American Express persisted in sending me unsolicited offers.


Date_received: 05/08/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Submitted_via: i.e.
Timely_response: evenly illegally
Consumer_narrative:
Mortgage PAID IN FULL on XXXX XXXX, 2016. Husband has called for return of original DEED OF TRUST, return of original PROMISSORY NOTE marked " paid-in-full ''

Company_public_response:
 and a RELEASE OF LIEN so we can file the appropriate documents with the county to show that there is no lien on our property. Basically

Company:
 the mortgage company is lying to us already!! Customer Service says all this was sent by Certified Mail on XXXX XXXX

State:
 2016. Postmaster says Certified mail is received in less than 5 business days. Mortgage company can not give us a tracking number for the Postmaster to trace this Certified mail. This is the LIE!!! I do n't want this situation to drag out over a long period of time and become an unsolvable "" ISSUE ''

ZIP_code:
 requiring legal assistance ; even though my nephew is a lawyer. I can provide names and dates of phone calls to the mortgage company. I can provide copies if documents sent to the mortgage company

Date_sent_to_company:
 copy of the wire transfer where the credit union sent the payoff money to the mortgage company & the check where the mortgage company returned the escrow money to us because of the loan being paid off. I suspect the mortgage company has absolutely no idea where the Deed of Trust or the Promissory Note are physically located!! Probably

Company_response:
 these documents have been LOST for years!! I expect the mortgage company to continue LYING by telling us that "" we did this '' or "" we sent that '' kind of XXXX. This is why I am asking for help from you. I am XXXX XXXX years old and want this situation completely settled and the proper paperwork filed at the county before I die! I have read the "" complaints '' website on this mortgage company. It seems that this mortgage company will go as far as possible

Consumer_disputed:
 to hurt us. There is one complaint similar to ours where the homeowner has yet to receive documents after SEVEN years! There are many complaints alluding to payments being made on time

Complaint_ID:
 only to receive foreclosure notices. I expect to receive late-payment notices starting this month ( XXXX


Date_received: 08/11/2016
Product: Debt collection
Subproduct: I do not know
Issue: Taking/threatening an illegal action
Subissue: Attempted to/Collected exempt funds
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Cohn, Goldberg & Deutsch, LLC
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 08/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX illegally collected and held protected SSI Funds, with out performing proper account review. Took advantage of a venerable XXXX person by not releasing the funds, and would not provide any documents pertaining to her frozen account. Would not release funds until I advocated for my mother, showing this act violated ( 31 CFR 212.2 ), ( 31 CFR 212.4 ), ( 31 CFR 212.5 ), ( 31 CFR 212.6 ) and ( 31 CFR 212.7 )


Date_received: 03/24/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CO
ZIP_code: 810XX
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:
On XXXX an online fraudulent transaction/purchase was made on my Macy 's American Express card. I reported the incident to Macy 's after it was discovered, on XXXX. A police report was originally filed on XXXX to the XXXX ( Report number XXXX. ) A Statement of Fraud was faxed to Macy 's originally on XXXX, again on XXXX and again on XXXX. I have documentation of XXXX calls I have made to Macy 's and Citi to try and resolve the fraudulent transaction/purchase.


Date_received: 06/08/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: CA
ZIP_code: 921XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I 've owned my home since XXXX. In XXXX I refinanced my mortgage with XXXX with a loan for {$500000.00}. This was an interest only loan with a fixed interest rate. It went along fine until OCWEN took over servicing in XXXX XXXX. I had been paying my monthly mortgage of {$3200.00} since the beginning of XXXX. The interest due on my loan was {$2800.00} per month. That left XXXX for my escrow. It turns out that I was underpaying my escrow by about XXXX but I did not know this at the time. As I said I had paid that every month during XXXX and there was never any complaint from Litton. But the very first month after OCWEN took over there was a problem. This was XXXX XXXX payment which I made on XXXX XXXX, XXXX. Rather than pay the interest due and put the remainder into escrow ( which is what the deed of trust says to do - first pay interest then pay escrow ) they paid the escrow first. They took out {$410.00} out of my payment to pay the escrow and then they paid the remainder toward the interest XXXX {$2800.00} ). However, that meant I had not fully paid the interest due on the loan. OCWEN realized that they were not paid the full amount of interest and on XXXX XXXX, XXXX they sought to fix the error. What they did was illegal and had caused nothing but problems ever since. OCWEN lent me {$38.00} without my permission and without authority in the loan documents. Initially I borrowed {$500000.00}. Effective XXXX/XXXX/XXXX my principal loan balance was {$500000.00}! Oddly the amount that was off was actually {$39.00} was what I was short so I have no idea why they did {$38.00}. After that it just got worse. Every month when I made my {$3200.00} monthly payment OCWEN would put it into suspense and not apply it. I understand that I was paying about {$39.00} too little but I did not know that and Litton had allowed it the entire year. Also please note that I always got money back annually from my escrow. This holding my payments in escrow went on for month after month generating fees after fees until a bank rep reached my wife and told her we were behind XXXX payments so she immediately sent in the money that was asked for. What happened with that is that OCWEN took the short fall out of that payment and paid the rest towards principal so that the following month I was back to being put in suspense. By XXXX I had figured out I needed to send in more for the escrow and from that time till now I have been paying the exact correct amount. Yet they still charge me late charges and other fees every month. I hired a lawyer who reviewed the payment history and explained to me how it is that I make every single payment on time and yet I am going into foreclosure. Can you help me? I am willing to pay them all the money they want but I do n't want to pay all the fees. This started by them making a mistake! Can you help me? Can you call my lawyer? XXXX XXXX XXXX XXXX


Date_received: 06/20/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Company_public_response: what is the card you would like to use? '' to which I responded : "" is this call recorded ''
Company: XXXX answered
State: "" no ''. I asked XXXX what is the debt for and he advised it was for a medical debt ; however
Submitted_via: so I asked him why did he not state the original creditor name
Complaint_ID: No
Consumer_narrative:
I checked my credit report today and found a collection item reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX.for a small balance medical debt. I called the phone number provided : XXXX and was greeted by a man named XXXX. He asked me for my SSN # to which I obliged. He immediately said " you owe $ XXXX

ZIP_code:
 he did not say who the original creditor was. I provided my credit card number to XXXX and he ran the payment and gave me a confirmation #. I asked XXXX if he was a debt collector to which he replied yes

Date_sent_to_company:
 to which he replied that he is not required to. I then asked XXXX for his last name and he replied that he does not want to provide his last name. I told him he is required to provide his full name


Product: and that his communication was an attempt to collect a debt
Complaint_ID: No
Date_received:
2 ) Section 807 - False or misleading representations. XXXX did not disclose that he is a debt collector


Product: XXXX
Subproduct: and XXXX ) using the business name "" Law Office of XXXX XXXX XXXX XXXX '' ; however
Issue: the company 's true entity name is "" RESOURCE RECOVERY ''. Resource Recovery is not now
Subissue: and has never been
Company: RR Resource-Recovery
State: NY
ZIP_code: 137XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Date_received:
3 ) Section 807 - False or misleading representations. The company is reporting debt to the XXXX major Credit Reporting Agencies ( XXXX

Consumer_narrative:
 an attorney or had the capacity to act in a way similar to an attorney. This is False and Misleading representation by definition and unfair collections practice."


Date_received: 05/15/2016
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 disputes the facts presented in the complaint
Company: The CMI Group, Inc.
State: AL
ZIP_code: 352XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Someone opened an account with a cable service at an address that I have never lived. I have contacted the collection agency that is on my credit report numerous times and informed them of this. /i have even offered to pay it just to get it off of my credit report. They have responded with a bogus letter, representatives were very rude, and is giving me a very rough time with this account. I have submitted a dispute with the credit bureaus and they keep verifying it but they have no contract or anything to supply me with to see who opened this account. Im not sure what else to do.


Date_received: 05/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
TransUnion refused to correct a deliquency that the reporting company verifies they have corrected. XXXX XXXX XXXX, XXXX, XXXX sent me a letter regarding my XXXX card on XXXX XXXX, 2016 indicating that they have cleared me of any delinquencey associated with Account ending in XXXX. I have received verification from XXXX that they have sent this to all XXXX credit reporting agencies.I received a letter from TransUnion dated XXXX/XXXX/2016 stating that they will not correct the 30 days late. I forwarded TransUnion this letter, which indicated they had removed the delinquency.


Date_received: 05/09/2016
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: 304XX
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:
In XXXX XXXX, I followed a link that was on the CitiBank website to open a new checking account. At the time of opening that account, there was a promotion that was being offered that said that XXXX XXXX Thank-You points could be earned by completing qualifying activities after opening a new CitiGold checking account. After completing the activities as specified in the original terms when opening the account, I sent a message through the CitiBank website to inquire about the XXXX Thank-You points that I was supposed to receive as a result of participating in the promotion and completing all of the necessary requirements. I received a response back from CitiBank indicating that I had indeed completed all of the requirements of the promotion on XXXX XXXX, XXXX. I was then told the bonus points would be credited to my account no later than the end of my XXXX XXXX statement period, which ended on XXXX XXXX, XXXX. After this date passed and no points were credited to my account, I called twice and also sent messages through the CitiBank website. I was given several different responses, including one customer representative denial that I was signed up for the promotion, another customer representative said that I was not qualified for the promotion, etc. However, I pointed out to all of them that I had verified earlier both at the time of signing up for the checking account, as well as, after I had completed all of the requirements of the promotion that I was indeed qualified and had completed all of the necessary requirements for receiving the bonus XXXX Thank-You points. I have also attached to this complaint a written copy of the letter that was sent to me directly from CitiBank that confirms that I was enrolled in the offer, that I did complete the requirements of the offer, and that they stated that I would receive the XXXX Bonus Thank-You points by XX/XX/XXXX statement.


Date_received: 05/23/2016
Product: Credit card
Issue: Closing/Cancelling account
Complaint_ID: Yes
Consumer_narrative:
To induce providing my physical address, AMEX suspended my unsecured credit card account to " comply with new government guidelines ''. AMEX promised on taped calls that my physical address would go nowhere


Date_received: I appreciate AMEX will say that AMEX "" had to have it
Complaint_ID: Yes
Product:
 because the government made them '' - and that I can not really prove they were the source of the breached data. XXXX and XXXX XXXX XXXX will say my address was certainly obtained through some legal means from some 3rd Party they can not find/reveal. But


Date_received: No one is going to be left to protect others digitally
Issue: Amex
Subissue: NH
Consumer_narrative: 038XX
Company: Consent provided
State: Web
ZIP_code: 05/23/2016
Submitted_via: Closed with non-monetary relief
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Product:
 if it is made so easy to allow hackers and other self-interested commercial parties to harm us and others in accountability verification roles."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Cottonwood Financial Ltd.
Issue: TX
Subissue: 762XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/18/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.


Date_received: 05/03/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Charged fees or interest I didn't expect
Subissue: Charged fees or interest I didn't expect
Company: Big Picture Loans, LLC
State: ID
ZIP_code: 837XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I borrow XXXX from BigPictureLoans and now I pay XXXX every other week. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account."


Subproduct: AllianceOne Recievables Management
Issue: CA
Subissue: 900XX
Company_public_response: Consent provided
Company: Web
State: 05/22/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Per Federal Law, they have NOT provided any of the above mentioned documents, and need to immediately cease with their fraudulent extortion attempt.


Date_received: 03/24/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Company_public_response: and I was two months past due. I am a teacher
State: names and employee identification numbers
ZIP_code: and conversation details logged onto a document on my laptop )
Company_response: even if you request them. Also
Timely_response: my co-signer started tracking her correspondence with Sallie Mae
Consumer_disputed: so we could compare notes. On several occasions
Complaint_ID: we discovered we had talked to the same person
Consumer_narrative:
A large portion of my school-associated fees were covered by scholarship, but I had to borrow a portion each year to cover the differences. After a great deal of effort and research, I decided to go with Sallie Mae because rates were very competitive. I regret that decision every day! While I was in school, I worked to make monthly payments in order to lower the overall principle once I graduated and the loans entered repayment. I was granted a six-month grace period before monthly charges were assessed post-graduation ; however, at no point was I notified ( electronically or via XXXX mail ) ANY information about my loan. I attempted to call Sallie Mae on countless occasions and even submitted a handful of concerns into those question boxes on its website -- all to no avail. No one ever got back with me. FINALLY, I start getting upwards of XXXX12 phone calls a day starting in XXXX 2016 saying I am over {$1200.00} past due. How can this be? I - again - call Sallie Mae customer service and end up none the wiser because no one has the information I need. I soon threaten a lawsuit and am quickly directed to a manager 's line ( although since, I have talked to at least XXXX different " managers '' ). She instructed me that my monthly payments were in fact approximately {$1200.00}

Company:
 and this is more than I make in a given month! I was never given the option to choose a repayment plan or even notified on what my monthly bill would be! I had NO IDEA until I started receiving collections calls - even after numerous attempts to find out on my end. The beginning of the 2nd week in XXXX ( I have all of the specific dates

Submitted_via:
 I started the process to apply for a rate-reduction program. This includes filling out a financial report and answering a bunch of questions for both the borrower and the co-signer. I had XXXX loans with Sallie Mae

Date_sent_to_company:
 and both have a different co-signer. It took approximately 2 and 1/2 weeks to get this information gathered because you can never speak to the same customer representative twice


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Merchants and Medical Credit Corporation, Inc.
Issue: OH
Subissue: 441XX
Company_public_response: Consent provided
Company: Web
State: 05/17/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: we discovered we had talked to the same person
Date_received:
Even after asking for a written notice, they refused to send me XXXX. I think that its unfair that the debt collector is behaving like this way.


Date_received: 05/09/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: 21st Mortgage Corporation
State: IA
ZIP_code: 500XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
21st Mortgage, as part of my agreements with them, is to pay my homeowner 's insurance and property taxes every year. They escrow for this but twice they have failed to pay all of my property taxes and this year they failed to pay my homeowner 's insurance and caused it to lapse.


Date_received: 05/12/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
Company_public_response: but it 's not used in that way whatsoever."
State: Boeing Employees' Credit Union
ZIP_code: WA
Submitted_via: 980XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/12/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
The 3 day wait rule should be at least optional. The way banks are actually using this rule is just to go through the same blur of complex paperwork before telling the purchaser that there are " 3 days of quiet time ''. They treat it like a XXXX purchase waiting period. There is nothing whatsoever that forces them to make sure the purchaser understand the blur of paperwork. It 's great that people have the opportunity to review


Date_received: 05/10/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Company: Genesis Lending
State: MS
ZIP_code: 393XX
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 was issued XXXX loans by XXXX University from Genesis Lending. While in school interest and payments were requested of me. I was unaware of this loan being a private loan and therefore could not consolidate it. I was not notified that these loans were sold to some other company that is requiring immediate payment. I can not pay {$740.00} a month for XXXX XXXX and then {$240.00} on another XXXX. Why was I not informed of these changes and why ca n't get some relief from this company? The school DID NOT inform me of what or where these loans were coming from.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Medical Data Systems, Inc.
State: GA
ZIP_code: 300XX
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 was in an XXXX in XXXX Hospital in XXXX for a XXXX. After Dr. checked it out He just told me that I should not worry with getting rest should go away. When I went to accounting I was told that I could either pay {$370.00} or provide insurance, since I was unemployed at the time I was covered by Obama care and filled out the forms and filed with them. I got a call last summer from Medical Revenue Service in regards to my bill. I had explained to them the issue and had not been heard until XX/XX/XXXX that received debt verification notice. I gave the notice to my attorney XXXX XXXX and He sent a letter denying the debt and requested some documentation related to my case. I had not heard from the agency again until XX/XX/XXXX, the lady named XXXX called me and informed me that could not get in touch with my attorney He would not return calls either. I informed her about his letter but She denied that they had received it, I demanded her e mail address so I could e mail her the letter but She declined to provide it to me, however asked me to fax it. Agency reported to my XXXX credit bureau as collection a week after my conversation with XXXX. I received another debt collection notice in XX/XX/XXXX. I called the agency and spoken to Chastity who handles my case, She denied receiving my attorney 's letter, when I mentioned her about XXXX debt verification notice which I got in XX/XX/XXXX, She could not answer me how could that happened, reporting to my credit bureaus first, denying my attorney 's letter, and sending XXXX more verification. I now can not get any credit, they have coursed me great amount of XXXX and financial lost. I had applied to refinance my car which would save me approx. {$1500.00} a year on interest, and since I am in XXXX, buying on credit and selling, now I can not apply for credits. I asked XXXX to remove the collection from my reporting bureaus and I will not file for damages, She said that was going to talk to a manager as yet they have not done it yet.


Date_received: 05/23/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I went to open an account with Chase Bank in the XXXX XXXX XXXX shopping center in XXXX XXXX, CA. I had opened a business account and disclosed I had been a victim of severe identity theft by a career criminal. I stated not only accounts were opened in my name but also, checks had been compromised and other information with other accounts. I assumed I had been red flagged by Chase and asked to provide the information proving the derogatory issue was not my fault. Not only did they refuse to disclose they had put my personal information on restriction, they had also refused to review anything regarding changing their relationship with me. I made an identity theft report with them and everything. This is not a friendly bank to do business with at all. Customer service refused to disclose any policy whatsoever. They told me to check the credit bureaus, XXXX and told me they could not say whether any of those influenced their decision. Chase went out of the way to keep me from resolving the matter and I was furious.


Date_received: 04/07/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NM
ZIP_code: 875XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Experian is refusing to investigate and remove accounts from my credit report that do not belong to me.


Product: Federal or CFPB guidelines. They think it is a joke."
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Wells Fargo & Company
Subissue: CA
Consumer_narrative: 920XX
Company: Consent provided
State: Web
ZIP_code: 06/20/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
This is very odd. Unfortunately this is not the first time management at WF stated they are not do not have to comply with State


Date_received: 03/20/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Asset Recovery Inc
State: NY
ZIP_code: 115XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/20/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
XXXX XXXX XXXX sent me a letter in XXXX XXXX stating I owed {$540.00} on a service from XXXX XXXX. XXXX XXXX XXXX then explained that this was an error on their part and that they were going to get in touch with my insurance company. I did not hear back from them from that last phone call. I then received a letter from Asset Recovery , Inc. in XXXX XXXX stating they were a debt collector and was attempting to collect a debt for XXXX XXXX XXXX. This came as a shock for me because that last I heard from XXXX XXXX XXXX center they were contacting my insurance company to fix the error they made in billing on their part. After numerous conversations back and forth with Asset Recovery for about 2 weeks trying to explain to them what happened and also trying to make payments to them for it ( and got returned checks ), they then placed it into collections when I was in contact with them consistently and tried to make payments. This debt is now effecting my credit score and it still sitting on my credit report after numerous calls and attempts to pay the debt. Asset Recovery put this debt onto my credit report PRIOR to even notifying me that this debt was in collections. Since this company was not acting in good faith my attorney advised me to pay this debt in full which I have just done.


Date_received: 05/16/2016
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: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
After looking over my credit report I see the information is being reported wrong. So, I like to have the information reporting correctly on my credit report file. I had an account with XXXX Now that I paid off in full. But it is not being reported as so on my credit report.


Date_received: 04/10/2016
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: AL
ZIP_code: 365XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
experian will not investigate, verify and remove these innaccurate and incomplete items because they say they investigated before already. please see documents of incomplete items attached, but when i filed complaint last time they said if i tell them why they would investigate, and also the investigation have taken more than 30 days to complete


Date_received: 05/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I had a nanny and chose to take out taxes from her check. As the result of an error. Duplicate tax/employer numbers were created. When the problem was recognized, they released the lien in 2006. This is still showing up as a series derogatory item on my tax report and has impacted my credit score which has impacted the type of mortgage I recently go, and have to pay PMI. Since 2006 I have purchased several homes, so obviously, there is no lien. I have reported to Experian and never heard back. I have attached the lien.


Date_received: 05/12/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: VA
ZIP_code: 238XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My complaint involves Ocwen Loan Servicing , LLC . The lenders payment grace period is the XXXX of the month. Due to recent Strike with my company I made my payment in full with late fee on the XXXX of the month, and only 6 days after the grace period I received a Remittance Information from Ocwen threatening to foreclose on my property if I did not bring my account to current. This may all be perfectly legal documentation but how fair is it for a company to send a threatening foreclosure statement when most statements of this sort are not even sent out until a homeowner has MISSED TWO PAYMENTS! I tried contacting Ocwen and they sent a document claiming that they are within their rights to send the form when payments are late. My complaint is that I feel their practices are shady, and they have late notices which appear to be misleading and unjustified, especially for homeowners like myself who are up to date on their current mortgage payments. I have n't MISSED a month before but I am concerned that whenever the time comes when I am late by a month, ( say during my current unemployment, that this company will throw me into Foreclosure before the two month grace period.


Date_received: 04/12/2016
Product: Debt collection
Subproduct: Auto
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: Company believes complaint is the result of an isolated error
Company: Machol & Johannes, LLC
State: WA
ZIP_code: 992XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX I signed a payment agreement on an agreed judgment which included service fees, filing fees, and listed an interest rate of 12 % per year. As agreed, I began making monthly payments beginning XXXX XXXX, with the most recent payment being made in XXXX. On XXXX XXXX XXXX the company representative told me my balance was {$3500.00} more than what the initial balance was on the agreed judgment. I disputed this and she stated she would work with the legal team to get this resolved. I called the company to follow up on this on XXXX XXXX XXXX and the issue still was not corrected. At this time it was explained to me, the additional amount was attorney fees and other fees they forgot to put in the original signed agreement, and that she was n't sure when this would be corrected.


Date_received: 05/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: IL
ZIP_code: 622XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax keeps reporting debt from XXXX XXXX XXXX for {$180.00} this debt is past the statute of limitations. Seven Years


Date_received: 05/23/2016
Product: Credit card
Issue: Billing disputes
Company: JPMorgan Chase & Co.
State: KY
ZIP_code: 425XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have good relationship for over 1 years. I was a loyal card member never miss a payment. I notice fraud charges on my account and I notify Chase. Chase promtly took off my charges but then rebill it a month later on XXXX XXXX. Chase also closed my account. I do not know why a big bank like Chase would took those actions against customer while they lost their credit cards. Chase should not be advertise zero fraud, but when it happen they will close the account and let the customer deals with the balance.


Date_received: 05/23/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Company_public_response: but each time
Company: the television simply shut down. By this time
Submitted_via: but they did not. The first movie i tried to watch
Company_response: and they said they were sending best signal but never did - On XXXX XXXX
Timely_response: i spent over 2/1/2 hours on the phone with XXXX different reps
Consumer_disputed: they kept dropping my calls
Consumer_narrative:
XXXX XXXX XXXX has knowingly charged me for services it was unwilling and/or unable to provide. I had XXXX for cable and internet for XXXX years at my previous residence. I had no problems with them other than an occasional outage. Since moving to my new residence, they have been deceitful in claiming that they would provide service here and have taken {$2900.00} from me nonetheless. Since moving here in XXXX of XXXX i have spent hundreds of hours of my time with their assurances that the problem could be fixed with a multitude of different fixes. In the year and a half that i have been without service, I have called them over 80 times ; XXXX technicians have come to try to connect everything to no avail. Throughout all this time, XXXX has falsely blamed the equipment, and as such, i have had : XXXX different converters, XXXX different adaptors, XXXX different modems, ; and XXXX different routers - this involved me going to their offices, which always takes over an hour or more because it is extremely crowded - and, even after all the switching out of equipment, they could not provide service to me. Then, XXXX said the problem was with the cable cards - after XXXX different tries at switching these, i still could not receive television or an internet connection even though i spent hours on their XXXX XXXX support line - no one could figure out the problem.. Technicians came to see if the wiring in the house was the culprit. They sent a tech to re-wire the house, i had to wait all day XXXX ; and he never did anything other than cut off a cable that was in my living room - I watched, he did not re-wire anything and, to this day, i believe that they simply would not spend the money to do the necessary wiring to give me service in my XXXX year old house .... So, another technician came out and said he would have to access a box on a pole that was in a neighbor 's yard and that that would fix the problem - this was on XXXX XXXX, XXXX - so, i waited for that remedy, but no, still no service. And then, in XXXX, 3 months later, to add insult to injury XXXX, the technician said that he 'd have to access box on XXXX ... ..which they obviously had never bothered to do! ... .Other remedies they suggested for incorrect programming, loss of signal, pixilating, searching for signal, no signal etc etc were that i was connected to the wrong carrier - XXXX XXXX XXXX XXXX XXXX XXXX etc XXXX XXXX but that was no solution either. Finally, On XXXX XXXX XXXX, XXXX the technician came out and, in checking their equipment, said that the XXXX cable was chipped, and that that had been the problem for the 18 months i had been living there. XXXX XXXX 's XXXX up - a faulty cable ... XXXX admitted that that was why i had no service ... ..and so, i settled in that evening to watch television, thinking it 's finally fixed, but NO, the message on the tv screen said " XXXX XXXX not supported '' I tried to restart everything 3 times

State:
 i was FED UP and I told them on XXXX XXXX that i was giving up on TV service with them but i needed them to provide me with a strong internet signal so that i could watch the movies i had to watch via internet to vote for the Screen Actor 's Guild Awards

ZIP_code:
 which is my duty as an actor. They apologized and said they would send me a stronger signal so that i could stream the movies from my laptop

Date_sent_to_company:
 "" The Room '' kept losing signal - it took XXXX hours to watch XXXX hour of the movie! Another call to XXXX

Complaint_ID:
 XXXX HAS NOW TURNED ME INTO COLLECTION!! i have more proof but no more room to write - please please help me get some justice for their unethical business practices thank you!"


Date_received: 04/04/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Oliphant Financial Corporation
State: VA
ZIP_code: 224XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I keep receiving XXXX number calls from various numbers for a XXXX XXXX which is not my name. I have had this number for approximately XXXX years and I currently do not have any debt. The person on the phone does not identify their company and has not remove my number from their list. The latest number was XXXX XXXX XXXX XXXX and the woman hung up on me when I demanded to be removed from their list telling her they have repeatedly called the wrong number.


Product: LLC"
Subproduct: OH
Issue: 44134
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/26/2016
State: Closed with monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/25/2016,Consumer Loan,Title loan,Charged fees or interest I didn't expect,,,,OneMain Financial Holdings


Date_received: 05/10/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Complaint_ID: Yes
Consumer_narrative:
Obtained a safe deposit box at the Chase Bank appx XXXX ago. The Chase Bank is on XXXX XXXX in XXXX, CA and was a Washington Mutual Bank at the time of opening the box. I was provided a free box with a permanent waiver due to program running at that time. In appx late XXXX I came in and spoke with the manager of that location at the time ( his name was XXXX XXXX ) and stated that I was moving to XXXX area ( 2.5hrs from XXXX ) and having a safe box in XXXX did not make logistical sense for me. He said that would be no problem and that he " took care of it ''. I provided him the XXXX keys and then he and another associate locked them up. Beginning XXXX I began getting safe deposit box letters about my annual renewals after previously getting nothing about it since closing it down. It still shows that my box is open and while it is still also showing the box as an annual fee waiver I am concerned as I do not have the keys due to turning them in and am afraid this box is still open under my name without my approval. I attempted to reach out to an associate at this location and was told that they show in their "" records '' that I still have the keys in my possession and that the only way to take it out of my name would be have it drilled at my expense of over {$200.00}. I explained what took place with closing the box in XXXX to which the reply was "" that was 8yrs ago


Consumer_narrative: JPMorgan Chase & Co.
Company_public_response: CA
Company: 956XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/10/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1917635
Date_received:
I placed my trust in the a person chosen by the bank to manage the entire location and am not being told to close out I have to pay a fee for his lack of responsibility. I feel that this has been a bait and switch tactic in order to collect non-interest income for a bank that is struggling to replace fee income lost due to overdraft fee changes in the banking climate. While {$200.00} is small potatoes to a place like Chase

Product:
 it is a huge fee for me and those happening multiple times to hundreds of people over a footprint can add up to strong revenue additions. I have attempted to reach the current manager of this location but she is never available to speak. The most recent attempts were on XXXX/XXXX/XXXX to which I was told "" she is on vacation all week '' which was told to me after identifying who I was and why I was calling. I did not believe this to be true

Subproduct:
 so I called again on XXXX/XXXX/XXXX and this new person said "" she is out sick today '' but he did confirm she would be in on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX and was told this is her "" scheduled day off ''. I feel bullied by this location and refuse to pay a fee to help cover a prior managers irresponsible actions. Furthermore

Issue:
 I have made ample efforts to contact the location with no success. I would think this bank would want to get this box out of my name given I pay nothing for it so they can rent it out to someone and collect annual rent."


Date_received: 05/23/2016
Product: Debt collection
Subproduct: Auto
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Mercantile Adjustment Bureau, LLC
State: SC
ZIP_code: 295XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been receiving calls from XXXX and I have a letter from them ( XXXX XXXX/Mercantile Adjustment ) stating I owe {$1200.00} to XXXX XXXX XXXX. I do not owe any money. I have a lease, it is paid on time. I contacted the person I leased the car from, XXXX XXXX at XXXX XXXX in XXXX, Vt. She has been in touch with XXXX XXXX. I do not owe any money. This is a bogus claim from a company I see listed on the internet who have been making bogus threatening calls for years.


Date_received: 05/02/2016
Product: Credit card
Issue: Delinquent 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: 906XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My AmericanExpress/ Macy 's card had fraud transaction on XXXX/XXXX/XXXX, so called Macy 's to file a claim. However It took them over 4 months to finally clear charges ( on XXXX/XXXX/XXXX ) but delinquent status was still not cleared and they were the ones who told me not to make any payments since it is in investigation status. I have called them over 15 times to get this resolved and also, got a letter fro COO of Macy 's to apologize but all XXXX credit agencies still showing that acct is over 90days delinquent status ( do n't understand why ) and is hurting credit as i am trying to get a mortgage loan. It hurt my credit score of more than XXXX pts ( just found out from XXXX XXXX XXXX ) and I am seriously considering sue them for damages.


Date_received: 05/19/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Fraud or scam
Company: MoneyGram
State: PA
ZIP_code: 171XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I sent a Money Gram for {$490.00} to an individual. I received a notice from someone supposedly in the same office that the recipient received the money but had an automobile accident and because of some electronic problem I was asked to send the same amount of money in order to re- ceive a refund. I was n't going to make a second mistake by complying. I attempted to speak with personnel from Money Gram, but between the person 's accent and poor telephone connections, I am unable to understand most of what she is saying except that the person did receive the money. She attempted to tell me what I should do, but most of our con- versant was unintelligible for me. Of course, no service was given for my laptop.


Date_received: 05/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
ZIP_code: Equifax
Submitted_via: IL
Date_sent_to_company: 606XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/19/2016
Consumer_narrative:
I have requested a method of validation on an account multiple times since XXXX of 2016 for my account from this debt collector. The account is from the debt collection " XXXX ''. This account has been PAID and agreed to be deleted. It has been deleted from both my XXXX and XXXX reports. Equifax keeps denying me the deletion of this item. I even requested validation and every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. I asked all three credit bureaus to verify with XXXX so that it could be removed from my account due to being paid in full as agreed. I have made multiple attempt through equifax and they ignore all these attempts and do n't verify data. Even though my proof of payment and deletion are there they wont delete this account. I want it resolved as soon as possible. And please dont come on here saying that you all called

Company_public_response:
 or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you about this account and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Equifax 

Company:
 XXXX and XXXX over 3 times to do this for me and both XXXX and XXXX agreed. Equifax needs to take care of this."


Date_received: 04/29/2016
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: Wells Fargo & Company
State: NY
ZIP_code: 142XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I was contacted by Wells fargo in XXXX 2015 about bringing my loan current. I had spoke to a counselor or supervisor and was told i made ~ {$1500.00} payment before XXXX XXXX 2015 i would be brought current. I made two separate payment of {$700.00} and was contacted by the same agent asking for another {$140.00} to be brought completely current. i made that payment as well and was advised i am completely current and would need to make regular payments beginning XXXX 2015. I continued making payments but on my bill it showed i was still delinquent and there had been other late charges applied to it. I contacted them several times about this to no avail. Then one time i was told this balance was carried from XXXX 2015. I have asked them repeatedly to listen to the calls from XXXX and XXXX to sort this out but they refuse to do so. instead they have been adding " other charges and fees '' to my bill and have brought the total amount due to over {$2000.00} and have adversely affected my credit."


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I contacted Experian on or about XX/XX/2016 letting them know I had been a victim of identity theft and there were several items on my credit report that were a direct result of identity theft and that Experian needs to delete these items immediately. After several letters of communication with Experian they sent me an updated report with the necessary changes and items that were deleted from my credit report. Shortly afterwards on or about XX/XX/2016 I reviewed my credit report and to my surprise these accounts that Experian had deleted were reinserted back on my credit report without any notice. According to the FCRA section 611, Procedure in case of disputed accuracy ( 15 U.S.C 1681i ) Experian has to give me prior notification in writing that items will be reinserted. I did n't receive any notice. I reserve the right to seek legal council and file a civil suit according to the provisions of the FCRA 1681s-2 ( b ) The items Experian reinserted that need to be deleted permanently are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, XXXX


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Transworld Systems Inc.
State: VA
ZIP_code: 222XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
 Debt '' {$2400.00} - was paid twice - first payment on XXXX/XXXX/XXXX over the phone ( due to XXXX system upgrade| we found out our payment was cancelled ) and second payment was made on XXXX/XXXX/XXXX ( same credit card ). In between the time - we did NOT receive any notice that this was being escalated to collections. Please see below for full history explanation XXXX XXXX unjust consumer treatment in this matter. 

Background : Our medical provider submitted a prescription through our XXXX ( the mail-in pharmacy identified on our health insurance on XXXX/XXXX/XXXX. Before we could redirect the prescription to our local pharmacy ( who offered a better price ) - XXXX XXXX shipped the prescription to us without our consent. We contacted them on XXXX| XXXX| and XXXX to attempt to return the order and/or get credited for something we did not authorize. They would not concede. We received the first bill for the unauthorized shipment on XXXX/XXXX/XXXX ( Bill # XXXX ) - the bill contain no itemized list of what we were being charged for ( just a payment due ) - so we contacted XXXX on XXXX/XXXX/XXXX to request an itemized bill be sent. The women ( XXXX ) on the phone was not able to even tell us verbally over the phone what the bill was for. So she said she had to submit a request to another dept to have a paper copy of the itemized bill to our house which she claimed would arrive in 7-10 business days. We 'd already accepted we were paying for duplicate medications due to physician error - but we were not paying blindly for something XXXX could not even tell us what the bill was for. We waited until XXXX/XXXX/XXXX to contact XXXX again/follow-up on the status of the itemized bill. Once again the representative ( I did n't take their name ) told us that they could not see what the bill was for and would need to submit a request to have an itemized bill sent to our house via snail mail. We received Bill # 2 from XXXX on XXXX/XXXX/XXXX - again| with No itemization. We still had not received the itemized list promised to us on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. No one could tell us what the bill was for. So we called AGAIN on XXXX/XXXX/XXXX - and asked for a supervisor. We received the same message - we ca n't tell you what the bill is for - need to submit to other dept to mail you copy. We FINALLY received a copy of the itemized bill ( telling us what we were actually paying for ) on XXXX/XXXX/XXXX. We needed to clarify a few of the prescriptions listed on the itemized bill with my dr ( as XXXX was a prescription I was XXXX/would never have been prescribed ). And we called XXXX ( yes| 7 calls later ) on XXXX/XXXX/XXXX to clarify the prescription they sent was different then listed on the itemized bill and to PAY the bill. We provided a credit card number - they said they would process it and we thought everything was done. Between XXXX/XXXX/XXXX ( non-itemized Bill # 2 ) and XXXX/XXXX/XXXX we did NOT receive any additional bills NOR did we receive any notice that this was being escalated to collections. The first indication we received that this was sitting with collections firm " transworld systems '' was when I received a call ( without providing my name or the name of the company they were calling on behalf of ) this week on XXXX/XXXX/XXXX. In my gut I knew this was XXXX incompetence - so immediately contacted them to see what the issue was ( since we had paid them over the phone on XXXX/XXXX/XXXX ). The women we spoke with was very apologetic saying that they had just upgraded systems in XX/XX/XXXX - XX/XX/XXXX and were still having issues. It looked like the system canceled our payment. So we paid AGAIN on XX/XX/XXXX - this time checking our credit card to ensure. As of XXXX/XXXX/XXXX - I 'm still receiving harassing| nondescript| phone messages from TWS including a letter in the mail today - XXXX/XXXX/XXXX. I have always had extremely good credit and am concerned this awful experience will tarnish that credit. Please help


Date_received: 04/29/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Asset Management Outsourcing, Inc.
State: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
National Recovery Service is reporting an XXXX debt on my credit report that is erroneous. I had a medical bill from XXXX XXXX that was paid in full, and I am attaching documentation as proof.


Date_received: 05/14/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Harris & Harris, Ltd.
State: IN
ZIP_code: 473XX
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 a mark on my credit score from XXXX different companies ( HARRIS & HARRIS, LTD, and XXXX ) about the same debt. My credit score says that the debt was reported by XXXX XXXX but when I tried to contact all of the possible medical practices that I have been to in the past 2 years, none of them had any record of me owing a debt. I can not find any legitimate information about the XXXX different debt collection agencies to be able to email them and contact them myself. I would just like to pay any debt that I potentially have, or get the mark removed from my credit score if it is a mistake/scam.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: ERC
Issue: LA
Subissue: 700XX
Company_public_response: Consent provided
Company: Web
State: 05/23/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.


Date_received: 04/18/2016
Product: Debt collection
Subproduct: I do not know
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Crown Asset Management, LLC
State: FL
ZIP_code: 336XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
A debt collector put a lien on a old debt on my credit report it expired and is due to come off so a debt collector law firm sent a letter I sent XXXX request of verification of debt and last transaction and nothing. Instead they file garnishment against me on a debt that is approximately 20 yrs old how is that legal and where is my rights as a consumer. the law firm is XXXX, XXXX XXXX XXXX XXXX in XXXX.


Date_received: 05/20/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: TN
ZIP_code: 381XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing this complaint because the credit bureau ( EQUIFAX ) has failed to provide me any physical proof that they have on file that were used to verify the accounts I disputed. This is well past the 30 days allowed to verify these accounts. Under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible.


Date_received: I was incredulous. I had spent several hours over several weeks trying to resolve this
Subproduct: hear the details of how the "" Marketing Team '' reached their conclusion
Issue: or how/why they had disregarded the photos I had provided. I mentioned I may file a CFPB complaint
Complaint_ID: Yes
Product:
 and the company was either behaving incompetently or flat-out-dishonestly in refusing to grant the points as advertised and promised. I was not permitted to dispute the issue

Subissue:
 and the CSR then said that he could request the investigation be reopened "" in light of this new information ''

Consumer_narrative:
 and that it would take another 2-4 weeks ( XXXX weeks total from originally contacting XXXX ). When I asked if it could be resolved sooner or if I could contact the "" Marketing team ''


Date_received: I have subsequently done research online
Product: and found many customers have had issues with XXXX XXXX ' not honoring sign-up bonuses
Complaint_ID: Yes
Subproduct:
 with the observation that XXXX 's systems are incorrectly logging what offers are attached to which online applications

Issue:
 specifically in instances where more than one person is using the same computer ( their approach relies on browser "" cookies ''


Date_received: I understand that technical issues happen and this could cause issues on XXXX 's end. However
Issue: Amex
Subissue: CA
Consumer_narrative: 941XX
Company: Consent provided
State: Web
ZIP_code: 05/23/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Product:
 as the consumer that is clearly not my responsibility and from my perspective XXXX is blatantly "" bait-and-switching '' on me and denying me the full XXXX points they offered me to entice me to apply. The incremental XXXX points are worth $ XXXX."


Date_received: 06/17/2016
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: BB&T Financial
State: KY
ZIP_code: 410XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I went to pay off my loan with BB & t, they told me they would not accept my payment. that I had to request a payoff and go through process. I had submitted for payoff. this was a branch manager that was going to hand me back my payoff checks and not payoff my loans. She ca n't refuse me this. A teller did take my money but for a manager to act this way was inappropriate


Date_received: 05/09/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: LA
ZIP_code: 701XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Bank of America failed to make Verbally full disclosure its Loan Modification practices and procedures. The issue concerning negative credit reporting was never Verbally discussed or disclosed, however, it is in the contract. This practice of not Verbally disclosing all of the information concerning their Loan Modification practices and procedures is deceptive and fraudulant. It is never fully Verbally explained that during their Loan Modification process the post mortgage payment is protected from negative credit reporting but the pre-mortgage payment is not. Therefore, their not Verbally communicating all aspects of their Loan Modification process is fraudulent and deceptive. I am asking a full investigation into Bank of America 's Loan Modification practices and procedures. From XXXX to XXXX I have been a participated in XXXX XXXX XXXX XXXX Bank of America loan modifications and at no time was it ever explained to me Verbally, the negative aspects of their process. My argument is not in the paperwork that bears my signature but in the fact that negative credit reporting of the pre-loan modification mortgage payment and the post loan modification mortgage payment was never discussed. I know that I should have read the contract through, but since negative credit reporting was never ever explained to me as being a part of their loan modification process ; all of the documents that I signed and had witnessed and notarized was done in " good faith ''. I am asking that the FHA intervene and that the scripts that are being used by the agents and representatives of Bank of America be seized and investigated so that no one else will be deceived about every aspect of their loan modification process. I am attaching their final resolution as well as my XXXX credit reports ; with particular note to their "" Summary of our research '' section of their letter of explanation ; where they stand by their decision not agree with my request for credit restoration and credit score worthiness."


Date_received: 04/25/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Citibank
Submitted_via: GA
Date_sent_to_company: 300XX
Company_response: Older American
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/27/2016
Consumer_narrative:
In XXXX 2016, I contacted CitiMortgage on behalf of my father about recasting his current mortgage. I was told ALL that was needed was an additional principal payment of {$5000.00} and a request. On XXXX XXXX I wired the additional payment of {$5000.00} and overnighted the request using their instructions from their XXXX letter. I wanted to get a status of the request so I called CitiMortgage. After being transferred many times, I spoke to an agent that told me there needed to be a work order request to have the Recast started. I explained that was NOT told to me nor was it in the letter that was received from CitiMortgage. The {$5000.00} was allocated as follows : {$4500.00} was applied to the XXXX payment and {$460.00} was added as a principal payment. I explained the need to Recast the loan was to help my father meet ALL his monthly financial obligations. So again on XXXX XXXX I wired {$5000.00}, faxed the request and called to ensure all was received. On XXXX XXXX I was told funds were received and the Recast would proceed. On XXXX XXXX I called to get another status and was told that payment was again applied as XXXX monthly payment. I was completely frustrated!! I instructed XXXX ( the agent ) to remove the funds and apply to the principal so the Recast could get started. He assured me he would remove the funds and he contacted the Special Loans department and asked them to start the Recast process. He also took my cell number and told me he would call me back within 2 days to provide me a status on the Recast request. On XXXX XXXX I called to get a status on the Recast and was told in order for the request to be process the current mortgage amount of {$4500.00} had to be received BEFORE the Recast could be started. I was completely frustrated with CitiMortgage and explained the letter stated, " When we received the additional principal payment and our written request

Company_public_response:
 we will apply the funds to your account. We will calculate your new principal and interest payment amount and mail you a Recast Modification Agreement for our review and signature

Company:
 which must also be witnessed and notarized. They asked us to Please mail the executed Recast Modification Agreement to the address listed above. '' I explained their information about the work order and the monthly payment was NOT in either letter we received from CitiMortgage about a Recast. Again I explained the original loan amount was over {$790000.00} as of XXXX 2016 the balance of the loan is {$160000.00}. On XXXX XXXX I contacted CitiMortgage about moving the current month mortgage to the back of the loan and was told the investors for this mortgage would NOT allow such a request. I asked for that in writing and was told they did not have it. I also asked for guidelines and procedures for handling an Investors account with CitiMortgage and was told they did n't have anything written and could not provide me anything in writing. It has been 3 months trying to get a Recast Modification processed at CitiMortgage and I 'm completely frustrated because they are not providing clear and fair practices. The information that has been given has been inconsistent for the last 3 months and I need answers and a Recast processed NOW."


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

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


Date_received: 05/10/2016
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: Experian
State: CA
ZIP_code: 958XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Went onto XXXX and tried to get my Experian report. Kept failing to load. even Experian is n't coming up.


Date_received: 05/25/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: Fifth Third Financial Corporation
State: NY
ZIP_code: 112XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
My name is XXXX XXXX XXXX Social is XXXX Checking account is with 5th 3rd bank Trying to close from last 3 months but they are not closing it. Have worst customer service.


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


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: TX
Subissue: 772XX
Company_public_response: Consent provided
Company: Web
State: 04/08/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Upon reviewing my credit report, I contacted XXXX and was told they did not report this information to Experian. So Experian has to correct immediately!


Date_received: 05/20/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Charged fees or interest I didn't expect
Subissue: Charged fees or interest I didn't expect
Company: Advance America, Cash Advance Centers, Inc.
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I did n't pay my loan on time I try going back to the office Advance America to pay and they did n't took my payment now there calling my job they call my phone every day they talk to my supervisor and they told me there taking me to court I 'm a single mom of XXXX kids my rent is really high and I ca n't pay what their asking I try to make a plan arregement but they denied it I 'm really stress out please help


Date_received: 05/05/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Rushmore Loan Management Services LLC
State: WA
ZIP_code: 986XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Rushmore is denying a short sale that we have had in process for 60 days before the foreclosure date. They never did an interior appraisal. They only did a drive by one and gave it an unfair market vlaue. We provided pictures, comparables, and a detailed explanation for why their value was too high. We even got an ALL cash buyer to take on the responsibilty of fixing the home to avoid foreclosure. Now they are transferrign the loan to XXXX Mortgage. But the foreclosure will take place before the transfer. We need help.


Date_received: 05/12/2016
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: MA
ZIP_code: 012XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX/XXXX/16 I authorized a {$280.00} payment to Citibank/Best Buy. They attempted to take {$3800.00}. I called them on XXXX/XXXX/16 after receiving an email notice of this attempt. Citibank assured me it would not occur but if it did it would take 60 days to resolve. So, I put a stop pay on my XXXX Bank account for safety. Citibank also said that they would only take the {$280.00} payment authorized. Citibank attempted to take the {$3800.00} and marked the account as Paid in Full. I kept logging into the account online to make sure the payment of {$280.00} but the account showed {$0.00} balance. All attempts by me to make the payment were declined as their system showed a {$0.00} balance. On XXXX/XXXX/16, I received an XXXX Credit Report Warning that Citibank had reported my account as past due. NOTE : this is my ONLY late payment ever in my XXXX years of life. I immediately called Citibank, explained the problem again, made the payment. Found out that Citibank could n't make the original {$280.00} payment because it deactivated all access to my XXXX Bank account for payments which was their mistake. I ended up paying {$300.00} from another bank account and was assured that the mistake would be corrected and reporting corrected to credit bureaus. In speaking with XXXX a Citibank Team leader on XXXX/XXXX/16, I was told the correction to my credit report was put through. I called again today, and spoke with XXXX, who told me this was not the case and that it was being reviewed still. I have documentation of all of this from the {$280.00} payment amount to emails from Citibank to bank stop pays to erroneous reports. I filed a written complaint with Citibank/Best Buy as well as all credit bureaus. Citibank has simply made errors, lied about correcting them, and essentially done nothing.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: ProCollect, Inc
Issue: MI
Subissue: 481XX
Company_public_response: Consent provided
Company: Web
State: 06/16/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Now I find that the name of the person who made the contract with XXXX was added to my credit record as XXXX of my names and this debt is still in my credit record ( as in XXXX XXXX ). My credit scores have been dramatically decreased since they called me.


Subproduct: JPMorgan Chase & Co.
Issue: FL
Subissue: 335XX
Company_public_response: Consent provided
Company: Web
State: 04/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Having been notified of by Chase the case file being assigned XXXX XXXX on XXXX/XXXX/XXXX for an accelerated foreclosure proceeding on the mortgage note, a letter was issued by me to Chase and served via certified mail which followed up on my email dated XXXX/XXXX/XXXX to both Chase and XXXX XXXX, the law firm representing Chase in the matter. Both parties were advised of this being a wrongful foreclose proceeding which damages myself as the property owner. There were numerous issues with Chase 's prior attempts to foreclose on the note, all of which have been brought to Chase 's attention as well. This is the fourth attempt by Chase to damage me with this wrongful foreclosure procedure, them having retained XXXX law firms inclusive of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX prior to retaining XXXX XXXX, all of whom noted issues with the request to foreclose by the bank and sought a path to just resolution before being removed from handling the file by Chase. Though I have continued to tender payments to Chase throughout and based on the treatment of claim in the bankruptcy case, this while working with attorneys for Chase in resolving the matter, Chase recently pulled the case file from XXXX XXXX midstream them working to resolve the matter by correct boarding of the treatment of claim under the chapter XXXX case and processing a loan assumption and simultaneous modification from current note bearer to myself, me being the only party to the deed via divorce and the ensuing marital settlement agreement. I have fully cooperated with XXXX XXXX, attorneys for Chase, in their effort to process the loan assumption and modification, returning the note 30 year term per the treatment of claim, submitting all documentation requested by Chase, yet the bank is seeking to foreclose on the loan, ignoring the protections afforded me under the law. The discrepancies with Chase arises partly from payments made through a Chapter XXXX payment plan that have not been credited to the account by Chase, in accordance with the bankruptcy payment plan and judge 's court order. Please refer to chapter XXXX case, CLASS XXXX CLAIM # XXXX. In addition, in XXXX XXXX and immediately following the discharge of the Chapter XXXX case, Chase altered the term of the note for 30 years to 15 years, contrary to the treatment of claim and the overall intent of the Chapter XXXX reorganization, essentially doubling the payment on the note. The treatment of claim calls for continuation of the note for the remaining 22 years of a 30 year term. There were XXXX other banks holding mortgage notes related to the chapter XXXX reorganization, all of whom have boarded their respective treatment of claim, consistent with the case requirements and resolved the matter. Chase remains the only entity not having addressed the treatment of claim and continuing to pursue a path that would damage me. Having spoken Chase Bank Escalations team member XXXX XXXX, XXXX XXXX in Chase 's Executive Office and all entities referenced herein were notified of the issues and that any foreclosure activity jeopardizes my interest in the property and damages me. Chase has yet to address the concern, instead issuing a letter of accelerated foreclosure. I ask that you office intervene on my behalf requiring Chase to legitimately address the concerns.


Date_received: 05/07/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Portfolio Recovery Associates, Inc.
State: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Portfolio recovery has recently been involved in a class action lawsuit for using outdated statement of claim in Georgia Magistrate Courts. I was included in this class action suit per Portfolio Recovery sued me for an alleged debt that I disputed and did not owe. They settled this lawsuit to avoid litigation, but continues to report this debt on my credit reports It is listed on my XXXX credit report as an open account with {$850.00} owed, but is showing on my XXXX credit report as still open with only {$600.00} owed. I have not made any payments to this company towards this account per I have disputed it several times.


Subproduct: Navient Solutions, Inc.
Issue: MA
Subissue: 021XX
Company_public_response: Consent provided
Company: Web
State: 04/12/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I ca n't believe that any student loan provider would refuse to give their borrowers alternative payment plans. I am simply looking for accommodation for entry-level salary borrowers that is fair.


Date_received: 05/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: TX
ZIP_code: 753XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX almost XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. now that Im an adult I was turned down for credit because of a utility bill that was put on my report back then before I was XXXX. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and dont sell XXXX or anything like that my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: GA
Subissue: 301XX
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
After I filed a complaint # XXXX, I received a Certified letter ( the following week ) from Bank of America on XXXX/XXXX/2016 stating my mortgage was 2 months behind, and that is a lie!!!! Currently, I 'm seeking legal advice from an attorney against Bank of America. This is unprofessional, unethical and morally wrong against someone that pays there mortgage every month!! This seems like retaliation.


Date_received: 05/19/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
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: LA
Submitted_via: 700XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/19/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I have not been able to resolve my credit score issue with Transunion. I have been working with them since XXXX XXXX to resolve correcting my SSN # and DOB on my credit report. TU has mixed up my brother 's and my credit report which caused me not to be able to close on my home in time. I recieved the run around. I have called MULTIPLE times with no resolution and no call back from a supervisor. Their latest excuse is that it is a " computer issue. '' Because of Transunion 's error

Company_public_response:
 my bank is unable to pull a credit report. The credit report has my brother 's information on it causing my score to be falsely low."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Barclays PLC
Issue: TX
Subissue: 770XX
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Closed with explanation
Date_received:
3. When asked, the Barclay 's representative could n't tell me where in the credit card 's documentation it explained the process they use once a payment is rejected due to lack of funds. My question is, if the representative does n't know where in the account documentation the process is stated how am I supposed to know about it.


Date_received: 03/24/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Complaint_ID: Yes
Consumer_narrative:
In late XXXX 2015 I contacted XXXX in response to an ad for a vacation rental home in XXXX XXXX, XXXX because I was transferring from XXXX XXXX for my government job. I paid ( via XXXX ) {$4500.00} to rent the home for two months, from XXXX XXXX through XXXX XXXX. I got to the home XXXX XXXX with the intention of looking around for a more permanent home ( not vacation ) rental with a year lease. The real estate Company advised that I should try to " get approved to buy a house with our Finance guy '' ( XXXX ) instead of renting The finance company approved me for a {$260000.00} loan after much transfer of paper work and income verifying


Date_received: The same week
Subproduct: electricity to be turned on
Issue: plumbing inspections
Subissue: survey
Consumer_narrative: flood certification
Company_public_response: etc.
Submitted_via: which I was leery of
Complaint_ID: Yes
Product:
 I put an offer on a house. It was a XXXX foreclosure home owned by the XXXX XXXX. After many transfers of paperwork and paying for home inspections

Company:
 I was told we would go to settlement on XXXX XXXX. On XXXX XXXX the real estate company ( XXXX XXXX ) informed me "" the whole thing fell through

State:
 there are too many repairs for the bank that is approving your loan to deal with ''. So I lost the house and money I spent on everything to get it approved At that point the vacation rental was already overdue for me to move out

ZIP_code:
 and XXXX XXXX said I could stay another 11 days for {$800.00} ( which I paid ) because I had nowhere else to go. At that point "" snow bird '' season had kicked in and rentals were very hard to find and very high priced. The realtor then "" offered '' me to rent XXXX their other rentals for {$2000.00} for a month until we could find another house to buy


