# complaints

Subproduct: Nissan Motor Acceptance Corporation
Issue: NC
Subissue: 282XX
Company_public_response: Consent provided
Company: Web
State: 04/09/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I 've attached copies of the XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX credit file to reflect these changes.


Date_received: 04/17/2016
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: NY
ZIP_code: 100XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX keeps making unauthorized hard inquires on my credit report I purchase sn item more than 2 years with them and they keep making hard inquires on my credit report, besides they are reporting that I owe thrm XXXX when I owe them XXXX, they are reporting false information and also keep making unauthorized hard inquires on my credit report which I know is illegal


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Bonneville Billing and Collections
State: AZ
ZIP_code: 853XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16 I sent a letter to Bonneville Collections requesting validation for an entry on my credit report. I 've attached several supporting documents as well as the letter I sent them. According to the USPS tracking number, they signed for my letter on XXXX/XXXX/16. I then waited 4 weeks from that date hoping to hear from them, which I did not. After the 4 weeks I filed a dispute with XXXX and XXXX, fully outlining everything that has taken place and including copies documents that I sent Bonneville. The XXXX bureaus started a dispute on my behalf. During the time my XXXX credit reports of both bureaus described above where updated by Bonneville. They never validated the debt, and during this time that they are supposed to be doing such, they made changes to my reports. According to the FDCPA act they are to suspend collection activities until validation as been supplied. Furthermore, upon looking into this company, they are NOT licensed or bonded in my state to be operating as a collection agency. You can view the XXXX code in my letter. So not only are they violating FDCPA laws, but they are also violating state law.


Date_received: 05/08/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: TX
ZIP_code: 773XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
IRS removed some federal tax liens ( from the XXXX County Clerks office ) that do not exist there and are not public record since they do n't exist. Transunion continues to list it as public record in my credit report.


Date_received: 05/04/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Problems caused by my funds being low
Company_public_response: when they said they would n't."
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Regions Financial Corporation
ZIP_code: FL
Submitted_via: 334XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/04/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
Regions Bank is unlawfully reporting an account on my credit report. I was unlawfully " opted in '' for paying overdrafts when I never consented. I received overdraft fees and they charged me fees on a deposit advance product they had


Date_received: 05/01/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: instead of being able to do the request online
ZIP_code: then the credit bureaus can certainly do the same thing."
Submitted_via: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date_sent_to_company: TransUnion Intermediate Holdings, Inc.
Company_response: PA
Timely_response: 190XX
Complaint_ID: Consent provided
Consumer_narrative:
This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with zero reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks XXXX or XXXX questions. That is XXXX or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans

Company_public_response:
 at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now

State:
 I have to call each credit bureau and answer the same kind of obscure questions over the phone. If thousands of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX


Date_received: 04/05/2016
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: Experian
State: FL
ZIP_code: 335XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/05/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX is showing a line of credit on my credit report under the name of XXXX XXXX. This account is not mine. The bank refuses to give me any information on the account, because my name is not XXXX. They will not remove this fraudulent information from my report. I have also submitted several attempts to dispute the inaccuracy with the credit bureaus. This has severely damaged my credit and are ruining my purchasing power. Bottom line is my name is not XXXX XXXX, I did not open an account with XXXX XXXX and this should not be on my credit report. I have never been late on any of my payments with any company.


Date_received: 05/13/2016
Product: Prepaid card
Subproduct: ID prepaid card
Issue: Unauthorized transactions/trans. issues
Company: Amex
State: NY
ZIP_code: 141XX
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:
I went ahead and placed two payments on this prepaid card from XXXX. The first one was on XXXX XXXX 2015 for {$450.00}, and I have my receipt, and this was supposed to be credited to the American Express Serve card. The second deposit was on XXXX XXXX 2015 for {$350.00} and at this particular time XXXX XXXX 2015, that 's when we noticed that there was nothing in the account and the account was closed without our consent, and we do n't know whom, because these people hide behind the phone. They told me that they could n't speak to me about this account because it was closed. I asked them if it was closed, where did the money go? They would n't tell me where they were located. I filed two inquiries and have gotten no information. I filed a complaint with the FDIC and they stated that they could n't help me and said that you guys have jurisdiction over this issue.I do have the receipts to validate and verify the matter. They refused to refund my funds


Date_received: 04/30/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company_public_response: Company can't verify or dispute the facts in the complaint
Company: Oportun Financial Corporation
State: CA
ZIP_code: 930XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
His always blowing up my cell phone if I do n't answers they call my work number or sometimes my reference and they send over employment verification as well.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: BWW Law Group, LLC
Issue: MD
Subissue: 210XX
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:
fabricated allonge signer indecomme XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology


Date_received: 05/18/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Company: Navient Solutions, Inc.
State: SC
ZIP_code: 298XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We took out a XXXX XXXX private student loan in XXXX. The loan became due XXXX and the payments were so high we were unable to make payments. We never made any payments because XXXX XXXX refused to negotiate a payment that we could afford. In XXXX, we pulled our credit report through XXXX and the Status Details of the loan stated : As of XXXX XXXX, this account is scheduled to go to a positive status. In XXXX, we pulled our credit report through XXXX and the Status Details on the loan stated : The account is scheduled to continue on record until XXXX XXXX. XXXX XXXX, would be XXXX years since the loan was originally opened and 10 years since the loan became due for payment. The Reported Since date on the credit reports from XXXX was XXXX and changed to XXXX on the XXXX credit report. It appears that XXXX XXXX ( Navient ) is altering dates on our credit report to extend the time they can negatively impact our credit report beyond the 7 year law.


Date_received: 05/07/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
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: VT
ZIP_code: 053XX
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 have a private student loan through WellsFargo Bank. Unfortunately, I also have a co-signer on this loan. As of late, I have been unable to pay the high fees along with high interest rates on the loan. So, instead of working with me on how to solve the issue and agreeing on a lower accepted payment every month, they have been harassing my co-signer by telephone asking for money.


Date_received: 04/05/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Nationstar Mortgage
State: MO
ZIP_code: 630XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I filed bankruptcy in XXXX, I reaffirmed my home, signed by my former mortgage company and my lawyer on XXXX. My mortgage company XXXX XXXX XXXX XXXX went out of business and has been acquired by Nationstar Mortgage, I just found out that when I reaffirmed my home on XXXX it was never reported to the credit bureaus and looks like I have had no mortgage for an entire year. Therefore my credit is not improving and I 'm paying for my home all this time and in the eyes of the bureaus I have no mortgage. I have been tryng to work with Nationstar to correct this since XXXX, I have faxed over my signed court reaffirmation papers and they still ca n't seem to report this information to the bureaus.


Date_received: 05/13/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Making/receiving payments, sending money
Company_public_response: you need to contact EDD. '' That back and forth
Company: went on for months.What I did n't know
State: was that during those months I was waiting on my back pay
Date_sent_to_company: how much was taken and what exactly I needed to do. Repeatedly
Company_response: I was told
Consumer_disputed: which I did. I have numerous emails before
Complaint_ID: during and after the refunds of some of the transactions. I asked them
Consumer_narrative:
I am writing this complaint in regards to the way my account has been handled. I have been continually lied to and intentionally misled about the fact that I was fraudulently billed over a period of SEVERAL months. XX/XX/XXXX, I acquired a replacement cellphone from XXXX. I had previously purchased a XXXX application called XXXX XXXX with my first XXXX cell and was unsure how to reinstall it on the replacement phone. I tried to contact the listed merchant with no response so I decided to contact Google. As I was searching for I tried to contact the listed merchant with no response so I decided to contact Google. As I was searching for the customer service number, I accessed my Gmail account. ( This Gmail account was created prior to XX/XX/XXXX ) As I scrolled through, looking for Google 's number, I came across an email I had never seen before that said 'Account Activity/Dashboard '. Upon opening the message, I was taken to a page that showed ALL activity for ALL my Google accounts. Listed at the bottom of the page was my debit card from California Employment Development Department/XXXX XXXX, the last few digits of the debit card number, along with the word 'Transactions '. Underneath 'Transactions ' was XXXX ' in bold numbers. I clicked on 'Transactions ' and was dumbfounded when numerous pages of dates and dollar amounts came up on my computer screen. I would try to click on an individual transaction but it would just take me back to the very beginning. Scrolling through page after page, I saw charges for XXXX, XXXX Debit and a credit card from various merchants. Each separate transaction listed whichever merchant supposedly ran the charge through. Since I have found the transactions the dashboard has changed at first it stated there was XXXX transactions then XXXX and now it states XXXX but i have over XXXX to the bank alone! I did n't understand how so many charges could go through my account with what little money was deposited from my regular unemployment benefits. I knew I was suppose to receive back pay from California EDD but to my knowledge and through my investigation, I had never received any of it. When I would call the automated teller, my balance was precise with my calculations, charges and deposits of my regular benefits. Never any mention of extra deposits. Once the estimated arrival date of the back pay passed by many weeks, I called EDD inquiring. EDD told me they had deposited the funds and informed me to contact the bank. Upon calling the bank, I would always hear " we can not see that information

ZIP_code:
 Google was allowed to bill my EDD/XXXX XXXX card alone over XXXX times. I saw about XXXX transactions canceled

Submitted_via:
 some with lines drawn through them. XXXX were canceled for HIGH RISK. Those XXXX were canceled the day before Google Wallet announced to the public that they were taking over billing for Google Playstore. I contacted Google and informed them that there was a problem and that I never authorized them to charge my accounts. I wanted to know what happened

Timely_response:
 "" are you sure a friend or family member did n't do this on your behalf? '' I was told to file a police report


Date_received: 06/26/2016
Product: Prepaid card
Subproduct: Gift or merchant card
Issue: Fees
Company: which permits the fees. I believe that my state of residency is the governing authority
Complaint_ID: Yes
Consumer_narrative:
I am a Colorado resident. I have a {$100.00} Visa gift card that had not been used in a while, so I went online to check the balance. The online service showed a remaining balance of {$38.00}. Then I looked at the activity. It only showed back to XXXX/XXXX/2016, and showed a {$2.00} inactivity fee had been charged each month for the past six months. I have no way to know how far back these fees go. This is obviously not the full history, since no purchases were shown and there is no way to get to a balance of {$38.00} in {$2.00} increments. Colorado Revised Statute, Section 6-1-722 and Section 38-13-108.4 prohibits expiration dates and service fees, dormancy fees, inactivity fees or any other fee. The back of the card states, " U.S. Bank will deduct from your balance an inactivity fee of {$2.00} per month after 12 consecutive months of inactivity except where prohibited by state law. '' I called U.S. Bank and described the situation ( although I forgot to mention the incompleteness of the online activity information ). The person I spoke with placed me on hold to check what their rules are

Company_public_response:
 and when she came back she informed me that the card was not issued by a Colorado bank and therefore is regulated by federal law


Product: I will drop my complaint ; however
Subissue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative: U.S. Bancorp
Company_public_response: CO
Company: 800XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 06/29/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: Yes
Complaint_ID: 1985577
Date_received:
The card was purchased in Colorado and given to a Colorado resident. If federal law rather than Colorado law applies here

Subproduct:
 I would maintain that the "" except where prohibited by state law '' phrase on the card is misleading in that case

Issue:
 since there is no indication as to which state that would be if it 's not the state where the card is purchased and used."


Date_received: 05/12/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: ID
ZIP_code: 836XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I requested my annual credit report and i was sent a letter stating i had to provide proof of identity such as a utility bill. I sent a copy of a current electric/utility bill from XXXX and then i got a letter stating again stating that i needed to provide proof of identity with the same forms of identification listed on the form such as an eletric bill. I also have a security freeze since my identity has been stolen in the past and when i go to transunions website, it allows me to sign in but starts flashing and flicker. i know its not the computer or the internet because i was able to temp life the freeze from other credit reporting agencies. transunion has blocked me from my own info and even when i provide verification of who i am and my current address, they still will not provide me my credit report. their online credit report request asks me questions to try and verify me that has nothing to do with me and does not pertain to me so it denies me the ability to get into my credit report online because the questions that they are asking do not pertain to me. Im not sure why they changed my information but i would like them to stop blocking me and correct the wrong information they set up to keep me out of my own credit file. I can get to my credit report from XXXX but not from XXXX or transunion and transunion will not let me temp remove the freeze even though i have my password and pin number to do so.


Date_received: 06/24/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Problems when you are unable to pay
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: State Finance Company
State: TX
ZIP_code: 782XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/28/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
A manager by the name of XXXX XXXX told my brother by telephone that I was on a list to be taken to court when in fact that was not going to happen. I then spoke to a more pleasant woman by the name of XXXX who advised if I made a payment my loan would refinance. That never happened and it has charged off since. I applied for a loan with a different company and that company called Broadway Finance. Someone at Broadway Finance told this other company how a previous conversation went and brought up irrelevant info not pertaining to the issue at hand. I do believe FDCPA laws are and have been violated and they need to be investigated on.


Date_received: 05/03/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Settlement process and costs
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016 represented by a Realtor, XXXX XXXX who submitted a purchase contract for home XXXX XXXX XXXX, XXXX XXXX, Texas XXXX which was signed by an individual representing himself as the Executor of the Estate for XXXX XXXX XXXX. I spent {$3100.00}. in services fees ; earnest money, home inspection, HUD Consultant fee, termite inspection fee, hydrostatic testing fee, Home Appraisal, and comprehensive general contractor repair and rehabilitation proposal. Multiple amendments requested by 1st Preference Mortgage Corp Branch Manager to extend closing dates up to XXXX XXXX, with many questions asked by Buyers and was met with hostility and lack of information that will on estate was not probated until XXXX XXXX, 2016, and on XXXX XXXX, 2016 title on home contained curative actions required to achieve a " good deed '' to property. Meeting with seller on XXXX XXXX resulted in an Oral Agreement to extend closing date till XXXX/XXXX/2016 to resolve issues to achieve property sale and closing. On XXXX XXXX


Date_received: Buyer has incurred three months investment of time
Issue: 2016 to sign purchase on home contract. As a first time homebuyer I feel deceived
Consumer_narrative: Company believes it acted appropriately as authorized by contract or law
Company_public_response: 1st Preference Mortgage
Company: TX
State: 782XX
ZIP_code: Older American
Submitted_via: Consent provided
Date_sent_to_company: Web
Company_response: 05/03/2016
Timely_response: Closed with explanation
Consumer_disputed: Yes
Complaint_ID: No
Product:
 and moneys to purchase property. Realtor representing seller knew that property was not eligible for sale on XXXX XXXX 2016 when listed for sale and on XXXX XXXX

Subproduct:
 2016 when individual to become executor signed contract but was not legally authorized until XXXX XXXX

Subissue:
 and manipulated to believe I would purchasing this home for three months and was financially exploited by the 1st Preference Mortgage Corporation."


Date_received: 05/15/2016
Product: Credit card
Issue: Rewards
Company_public_response: we use the date of the purchase. For example
Company: if you make a purchase on the last day in your XXXX billing period
State: it might not post to your account until your XXXX billing period. If this happens
Date_sent_to_company: Amex
Company_response: CA
Timely_response: 920XX
Complaint_ID: Consent provided
Consumer_narrative:
I specifically made XXXX purchases the last day of my billing period for my American Express in order to reach the XXXX purchases required to get 20 % extra benefits for that month. For some reason, even though I did all three purchases back to back for different things online, only XXXX posted that day and the third did n't post until the next day so it shows that I only got to XXXX with the third counting towards the new cycle. It was a big spending month which is why I made that extra effort to get the additional points by making those purchases. On the phone they told me that because my purchase was done in California on XXXX XXXX but Mountain Time XXXX XXXX, it counts as XXXX XXXX because there is a clause that says this somewhere in the cardholder agreement they sent. HOWEVER I just got off the phone with XXXX to see what time the purchase was actually made, since the customer service rep at AMEX was telling me it was past XXXX Mountain Time, and she informed me it was made at XXXX on XXXX XXXX Pacific Time. That also makes sense why the other XXXX purchases I made right before that XXXX were in the billing cycle I wanted them in and not the XXXX XXXX one. I bought those within less than thirty minutes before the XXXX purchase. And just to add to this, on their website ( AMEX that is ) it says on the page that shows your rewards progress : " To count purchases for this benefit

ZIP_code:
 the purchase still counts towards your XXXX billing period. '' That is proof I am at least owed that purchase counting for XXXX XXXX and not XXXX XXXX which would put me at the XXXX purchases I need for the rewards benefit."


Date_received: 05/14/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: XXXX XXXX
Company: [ XXXX XXXX XXXX XXXX XXXX
State: XXXX XXXX
ZIP_code: XXXX XXXX
Submitted_via: FL XXXX ( XXXX ) XXXX ]
Date_sent_to_company: and Premium Credit Bureau/Dept.
Company_response: Reporting Agency
Timely_response: [ XXXX XXXX. XXXX XXXX
Consumer_disputed: XXXX
Complaint_ID: FL XXXX ( XXXX ) XXXX ] seeking redress
Consumer_narrative:
On XXXX XXXX, 2015, a " hard inquiry '' was made on both my XXXX and XXXX credit report by XXXX XXXX XXXX XXXX XXXX for purposes of determining eligibility for an "" unknown '' reason. That inquiry is damaging my credit rating to date. Be advised that this his writer "" did not '' at any time request either a loan or credit card from XXXX XXXX XXXX and/or its affiliates. I contacted both XXXX XXXX XXXX


Subproduct: Comerica
Issue: NY
Subissue: 141XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/18/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
After making online transaction that the telephone check states the balance has been reflected without a HOLD. The company is stating different from what I have recorded after transaction. The company are "" pulling a fast one '' on us benefit receipients."


Subproduct: Portfolio Recovery Associates, Inc.
Issue: VA
Subissue: 231XX
Company_public_response: Consent provided
Company: Web
State: 05/18/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have contacted them several times and they admit to having recordings to this conversation, but claim, now, that it is against their policy to remove items from my credit report and they deny that there are any inaccuracies being reported.


Date_received: 05/07/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: Citizens Financial Group, Inc.
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
My checking account was charged fees of XXXX for XXXX overdraft for 7 business day ( 9 calendar days ). On XXXX my checking was assessed an overdraft fee of XXXX for a check presented against my account ( XXXX ) for {$200.00}. My balance was XXXX after submittal. I received no notice in the mail on this item and was assessed XXXX sustained overdraft fees during this period. The first was on XXXX and the second sustained overdraft fee on XXXX both for {$30.00}. I understand the initial overdraft fee being assessed of XXXX. However, I find the sustained overdraft fees to be abusive and predatory in nature. Not long ago, sustained overdraft fees were generally applied after 10 business days. This time of 10 days allowed for the notification time that may occur for when a client may not be aware of this event. In my case, XXXX were applied before 10 calendar days occurred. Out of curiosity, I used an interest rate calculator to determine what this interest rate might be if I were to convert this small matter to a loan situation and I was told that the calculator could not estimate the rate because it was too large. So I adjusted the amount I was negative to XXXX ( but in reality XXXX ) against the total amount I would pay to rectify the matter of XXXX and the interest rate amounted to 192 %, which I believe is above predatory. I feel that 1 ) this matter is very abusive, borderline criminal. 2 ) the policy does not allow for sufficient communication time to allow for rectification IF it was determined that the abusive extra charges should be allowed to continue. Again, I do not believe Citizens bank should be allowed to pile on these types of fees with this level of ferocity. I do understand that Citizens bank is a business and that profit is their motive but this policy and practice is a pure money grab with little or no notification to it valued client/fellow citizen. Please feel free to contact me at XXXX, thank you XXXX XXXX


Date_received: 03/28/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Nissan Motor Acceptance Corporation
State: FL
ZIP_code: 336XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We have never been past due on a payment, Nissan Infiniti has an inaccurate remark appearing on my credit file. I have disputed with nothing being corrected


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: MD
Subissue: 208XX
Company_public_response: Consent provided
Company: Web
State: 03/29/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have been getting 3 calls per day since then from Macy ' Debt collection and they just advanced another month of delinquency and thereby ruining my credit. I have worked so hard to keep my financial record clean and had an average score of XXXX. Now, it is ruined because of Macy 's. Please help.


Date_received: 04/30/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Company: Citizens Financial Group, Inc.
State: NH
ZIP_code: 034XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My lender will not work with me in any way to make income contingent payments. My monthly loan payment costs more my wages for had of the month. This is causing undue burden on my family and making a living impossible.


Date_received: 05/11/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: NC
ZIP_code: 277XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have been attempting to dispute a transaction -- which has since been accruing interest -- since XXXX regarding a XXXX online subscription that I initiated and then cancelled. The XXXX says that it is settled from their end, and that the only reason I could still be being charged is due to a failure on part of my card company. They will not respond to my messages ; every time I try to call their line is " busy '' or they are "" not open '' ( even from XXXX ). I cut this card up months ago. I do not use it. And I do not want to pay this interest over a {$5.00} charge I never made months ago. I do n't know what to do."


Date_received: 05/03/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company: Carrington Mortgage Holdings, LLC.
State: SC
ZIP_code: 297XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, XXXX CMS reported that there was a 30-day late payment to the credit bureaus when that information was incorrect as a payment of {$1000.00} was deducted from my account and paid to CMS. On XXXX XXXX CMS reported that I was 30 days late when payment was received in the amount of {$1000.00} on XXXX XXXX XXXX and was not applied to the loan and was placed in an unapplied funds account pending the balance of {$130.00} per the recent escrow analysis conducted prior to XXXX XXXX without my knowledge. The paid amount was not reported to the credit bureaus instead CMS reported that the account was 30 days past due when again that was not correct as payment was sent and received per the memorandum provided dated XXXX XXXX XXXX. The notification letter informing me of the escrow increase was sent on XXXX XXXX, XXXX, which is after the erroneous information was reported to the credit bureaus, which I was made aware of by the negative information being applied to my credit report. CMS states that they try to avoid financial hardship on the customer, however not one phone call was made notifying me of the change in the amount of my mortgage payment. CMS states that they are required to report accurate information to the credit bureaus however based on the information provided via memorandum dated XXXX XXXX XXXX, CMS has failed to do so on all three occasions. CMS has continued to cause financial hardship by again reporting in XXXX XXXX that I was 30 days late when CMS was in receipt of {$1100.00} and held the amount in unapplied funds and appropriated {$900.00} to be paid for XXXX XXXX. On XXXX XXXX, XXXX XXXX received payment of {$1100.00} and an additional payment of {$260.00} on XXXX XXXX XXXX bring the account current per CMS, after receiving notification via mail on XXXX XXXX that the account was delinquent according to CMS. For the months of XXXX XXXX, XXXX and XXXX XXXX, CMS has received payment and made no attempt to contact me via phone and the attempts alleged by mail was received after the negative information was reported to the credit bureaus. As a Service member CMS customer service agents have been rude and uncaring of the hardship a XXXX faces and has made no attempts to support, instead I have to resort the XXXX to get some assistance. As stated before CMS has reported erroneous information to the credit bureaus per the memorandum provided and has made it clear that they will not correct the information or provide some relief in the form of contacting the credit bureaus and reporting that they were in receipt of all month 's mentioned above payments. CMS has not taken into account that since buying this loan from XXXX XXXX XXXX and for the last 8 years I have never missed a payment or have I been late into account when reporting. CMS has caused undue stress for my household and has no remorse for their actions. CMS has not reported payment to the credit bureaus since purchasing the loan XX/XX/XXXX and only started reporting my account XX/XX/XXXX which is in breach of the federal law that provides for timely and accurate reporting in regard to the current loan status, payment history and loan information. Per the Consumer Financial Protection Bureau guidelines which required suppression of information being reported 60 days after written request that was alleged to be sent on XXXX XXXX XXXX which I was not in receipt of per the information stated above. CMS did not properly notify me of the increase as a phone call was not made and I received the escrow analysis after requesting the information on XXXX XXXX, XXXX after the negative information was reported.


Date_received: So
Complaint_ID: Yes
Product:
 regardless of the fact that this Modification process was completed entirely without XXXX signature from me and I was removed from all communication with Bank of America


Date_received: So after 13 months of current payments my Ex-Wife got pre-qualified
Complaint_ID: Yes
Product:
 had the house appraised and was finalizing the refinance process only to find out that when Bank of America modified the mortgage in 2013


Date_received: 04/13/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: EverBank
State: PA
ZIP_code: 190XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I paid mortgage to Everbank ( Everhome Mortgage ) and money for Flood insurance, although my home is not included in the sinking area. I asked the company to remove payment for Flood Insurance with me this payment as it was burdensome for my family budget. Because of this, I 'm too used my credit cards for ordinary routine payments. Now Everhome Mortgage decided that my house does not need insurance. However, I would like to ask for the money back, for all the time that I was paying this insurance against my will, if it is technically possible. Thank you.


Complaint_ID: Yes
Date_received:
XXXX/XXXX/16 - I called Macy 's customer service line and ended up in a phone tree. Wanting to stop charges from accruing on my account, I chose the option for lost or stolen card. When I selected the " cancel my account '' option

Product:
 I finally got a human on the line. She sounded XXXX and did not grasp that this was a fraudulent use of my account until I pointed that out to her. She said she would get the charges removed from my account and would also cancel it


Product: due XXXX/XXXX/16
Complaint_ID: Yes
Date_received:
XXXX/XXXX/16 - Received a letter from Macy 's acknowledging my fraud claim and saying that they had accordingly reduced my Minimum Payment Due to {$68.00}

Subproduct:
 stating "" This adjustment reflects the portion of the balance that is not being disputed. '' Why should I pay Macy 's anything? I did not use my credit card

Issue:
 and I reported it as soon as I saw the fraudulent charge. If Macy 's chooses to outsource their Customer Service Line to an XXXX XXXX where the employees do not recognize fraud or know the procedure for handling it


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: NM
Subissue: 871XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/29/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I am asking your help in getting these charges removed from my account and also in closing the account."


Date_received: 05/03/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Billing dispute
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: 956XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Experian refuses to refund charges to my credit card for a membership I canceled 39 minutes after I was notified of it. They continued to bill my credit card for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even after I clearly rejected their membership on XXXX XXXX, 2016. They have denied my claim and my appeal saying I never canceled the membership. Hopefully the attachment showing the e-mail proves my case if it attached correctly. I understand I 'm not the only person having problems with Experian. I think this is how they make their money. They are not honest and upfront. They should be honest and explain in better detail what they are doing or trying to do behind your back. I never logged in or used their services in any way. I ignored all their e-mails and attempts to get me to log in or use their services.


Date_received: 04/04/2016
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: Experian
State: TX
ZIP_code: 770XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
For XXXX XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from Experian, XXXX, and XXXX as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company disputes the facts presented in the complaint
Company: Collection Management Company
State: NC
ZIP_code: 288XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This issue involved a disputed amount to be paid to XXXX XXXX in XXXX. There should have been no payment due on my part but I lost that battle with my insurance company 4 years ago. I contacted Credit Management company in writing on XXXX/XXXX/XXXX offering to settle this debt for {$120.00}, which I consider very fair, but have yet to hear back from them. I would like to get this issue resolved but lack of communication from them makes resolution impossible.


Date_received: 04/15/2016
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 disputes the facts presented in the complaint
Company: Nationwide Debt Management Solutions, LLC
State: CA
ZIP_code: 921XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
XXXX XXXX which may or may not be his legal name keeps calling me from Nationwide Debt Management asking for XXXX people whom I do not know. He 's extremely rude when he calls me after I 've very clearly stated that he has the wrong number. After wasting several minutes avioding telling me who he works for, he finally told me he was calling from debt management and even though I told him he had the wrong number, he assured me that he was going to keep calling and harassing me. His direct number is XXXX XXXX XXXX


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: Franklin Collection Service, Inc.
State: CA
ZIP_code: 956XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I paid my XXXX XXXX XXXX bill when I cancelled my coverage back in 2015. I even called when they sent a bill that was incorrect. The lady on the phone looked into it and said I was correct and did not owe the money and she would submit the information. I 've called XXXX XXXX XXXX again now that it has been sent to collections and they say they ca n't help me on the closed account. XXXX XXXX XXXX continues to give this collection to someone new every few months and I dispute it every time, but no one will help me resolve it. This is on my credit report hurting my credit and it should n't be. I 'm being harassed about this bill with no one bothering to help me get it resolved. I paid this in full a long time ago.


Date_received: 04/07/2016
Product: Credit card
Issue: Privacy
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: OH
ZIP_code: 435XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Called on my XXXX credit card for a balance transfer of {$2400.00} to their account. Had always liked this company and was given good service in the past. After going through the typical security questions, I was transferred to another person who only handled security. That person began asking if we had ever owned ( and then gave a list of XXXX-XXXX cars ), that happened 4-5 times. We have been married 52 years and do not remember all the cars we have owned. Finally remembered one she listed. Then asked my husband if he had lived in only one state. Answered no, told her which ones and then she asked from which state his social security number had been issued. It continued with asking about our children. By name, about our daughter who has been out of the house for 26 yrs and is married, where does she live. Then about our son who has been out of the house for 4 yrs. And then about our son who lives with us, age XXXX. During this time of questioning we began asking how does this info apply to this situation and where did they get this info. Was told that all of it is public info but no answer was given on who provided this info to them. At the end, the security person finally gave her approval for us to do what we wanted ( a balance transfer ). At which point we declined, because we had no idea where all of this was coming from, and did not feel safe in proceeding. We let them know throughout the whole issue that we had never gone through anything like this and did n't feel this was right. And for the record, we called one of our other cards and had it done in less than ten minutes. We called the XXXX and they told us to call the Attorney General 's office in OH and they referred us to this agency. All said this did not sound right to any of these agencies and that we should continue to report this especially the questions about our children. They had never heard of anything like this.


Date_received: 05/08/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Problem cancelling or closing account
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016, I used Experian.com to check my free credit report and agreed to pay {$1.00} to obtain my FICO score along with my credit report. I was then, without my knowledge or consent, signed up for a credit monitoring service. No e-mail communication from the company ever indicated that I had started a free trial, or that I needed to cancel within a specified time period in order to not be charged. On XXXX XXXX, 2016, I was charged {$21.00} for " credit monitoring '' -- service that I neither desired nor solicited. I called Experian on XXXX XXXX


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: IL
Subissue: 620XX
Company_public_response: Consent provided
Company: Web
State: 05/08/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Experian should be forced to un-bundle the "" credit monitoring '' service from the FICO score offer so that it is no leading misleading and deceptive to consumers."


Date_received: 05/16/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Convergent Resources, Inc.
State: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Repeated calls between times specified that no calls are to be made. " No Call Time '' : M-F XXXX -XXXX as it was explained to Convergent collections. I have received repeated calls since notification. All calls are recorded on Convergent side. I will be mailing written notification today to them. This act is seen as harassment under the FAIR DEBT COLLECTION PRACTICES ACT."


Date_received: 04/19/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Problem with fraud alerts
Company: Equifax
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I get so many inquiries who was not required by me and I really need to get removed from all XXXX credits bureaus this inquiries is hurting my credit score and my ability to applied for anything.


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_public_response: Company disputes the facts presented in the complaint
Company: Enova International, Inc.
State: TX
ZIP_code: 786XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I borrowed XXXX dollars about XX/XX/XXXX from Cashnet.com. I told them I do not get paid until the XXXX of each month on my social security XXXX .They called me after less than a week to get paid then I filed for an extension when they said the loan was due on XX/XX/XXXX. Then when I paid them today-XX/XX/XXXX they charged me over XXXX. This is price gouging. I sent them a complaint and when I called them today after they were paid they would not speak to me but kept me on hold for along long time so I hung up. Is this legal? My account number is XXXX


Date_received: 04/04/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: TX
ZIP_code: 782XX
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 XXXX related issues. First, my name is being reported incorrectly, and as a result, I have information associated to my credit reports that is not mine. So now that I am trying to buy my first home, I have names and addresses in the report that are just wrong. I tried disputting it directly with Experian, but they kept saying they could n't honor my request online. Very frustrating, as I have very free time at the moment to stay in the phone for hours.


Product: the previously enclosed DOJ letter of declination
Subproduct: dated XXXX XXXX
Issue: XXXX
Complaint_ID: Yes
Date_received:
NSTR response continues to provide no viable explanations or investigation into facts which have been presented to them. It also confirms NSTR incorrect conclusion, alleging they performed an NPV test under DOJ when clearly the decline is based on a MHA/HAMP review. In this reply NSTR also confirms that, " Nationstar only facilitated documentation creation for the DOJ program and an actual calculation of the data was run by the prior servicer

Subissue:
 provides the inputs used in the review. "" This further confirms NSTR lack of any investigation into facts

Consumer_narrative:
 their negligent reliance on a XXXX review from XXXX XXXX ( performed by prior servicer ) which was only facilitated by NSTR. No comprehensive or analytical research has been conducted as required under the MHA Model v5.02


Date_received: This is clearly a HAMP underwriting chart that includes only XXXX correction
Subproduct: as well as
Issue: seemingly not knowing the difference between DOJ
Complaint_ID: Yes
Product:
 the Appraised Value of {$680000.00}. The chart makes no offsetting provisions for current outstanding loan balance as {$860000.00} ( field # XXXX ) thereby rendering this particular run ineligible since it exceeds the HAMP program limit of {$720000.00}. NSTR is using disqualifying & erroneous inputs without acknowledging these incorrect results. It appears they do not understand the proper methodology for correctly implementing NPV evaluations

Subissue:
 MHA/HAMP & NPV modeling. This declination can not be based on input fields pertaining to mark to market and principle reduction

Consumer_narrative:
 shown on the chart and labeled as "" null ''. NSTR created a fail for an altogether different program & uses this as justification for the decline. NSTR evens fails to acknowledge that based on the income in the file from XXXX that under the XXXX % debt-to-income guideline


Date_received: Excerpt from the DOJ Stipulated Judgement
Product: Paragraph vi that addresses NPV. Exhibit XXXX
Issue: the adjustments must be limited so as to provide a positive NPV
Subissue: with the calculation based on the Treasury NPV model outcome. If
Consumer_narrative: following the priority above
Company_public_response: the modification produces a negative NPV
Complaint_ID: Yes
Subproduct:
 Page XXXX XXXX A Settlement Loan Modification is a modification made according to the following priority : vi ) In all instances

Company:
 the steps in the priority will be adjusted ( in reverse order ) to produce successive XXXX % increases in DTI ( but in no event higher than XXXX % )


Date_received: Therefore
Issue: 2 ) Run Dates 3 ) Code version of runs 4 ) Any error code results."
Consumer_narrative: Nationstar Mortgage
Company_public_response: CA
Company: 910XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/18/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: Yes
Complaint_ID: 1929674
Product:
 in addition please consider this a "" Qualified Written Request '' under the Real Estate Settlement Procedures Act

Subproduct:
 codified as Section 2605 ( e ) of Title 12 of the United States Code. ( 12 USC 2605 ( e ) ) .Once again I am requesting : 1 ) All runs-of-record for the NPV modeling conducted both by NSTR and XXXX 


Date_received: 05/11/2016
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: IL
ZIP_code: 616XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are Revolving. Experian reports incorrectly that this account balance is {$8500.00}. Experian reports incorrectly that this account is past due {$8500.00}. Experian reports incorrectly this account Credit Limit is {$7000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.


Issue: M&T Bank Corporation
Subissue: TX
Consumer_narrative: 775XX
Company: Consent provided
State: Web
ZIP_code: 05/03/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
I think M & T has questionable practices making money on this repeated escrow assessment increasing payments

Product:
 billing me for insurance I have and charging late fees on the payment increases they incurred. And I can not get it resolved so I keep getting charged more. I need help with this. I would like M & T investigated for these practices and a refund. So far I do not believe I have been reported to the credit bureau but that is a concern as well ... that they will ruin my credit rating"


Date_received: 04/20/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
ZIP_code: charged me late fee 's for all the most that I was behind
Submitted_via: knowing that I was not informed to do the right thing! Also
Date_sent_to_company: the bank is charging me escrow ... almost {$70.00} dls? When I asked
Company_response: why they were changing me escrow
Timely_response: they informed me that they were changing me for the property insurance?! When
Consumer_disputed: I had insurance
Complaint_ID: at the time of the whole process. I have this insurance for many years. So
Consumer_narrative:
I started my complaint with the regular customer service to apply for a " Affordable Fixed Mortgage Payment ''. After I was bombarded by several financial issues and lost my parents XX/XX/XXXX

Company_public_response:
 shortly after diagnosed with XXXX illness which I was prohibited to work for several months. Which I perused to applied ( 3 ) times for a Loan Modification or to obtain an Affordable Fixed Loan with Wells Fargo Bank

Company:
 which I 'll would called monthly to checked the status of loan since the bank was not followed on it. I applied 3 times because the bank keep losing my documents that I provided to them. So

State:
 I went ahead and submitted the documentation that the bank required from me to continued with "" Affordable Home Mortgage Payment. Every month that I called to checked on my case the bank reaffirmed me to wait and not to do my payment and nothing could be done then just wait until decision was made it! ..The bank waited 9 months to informed me that my loan modification or affordable payment was denied! Not just that.. I was told that my credit was not going to be affected! That was not true! They sent me to collection


Date_received: 04/26/2016
Product: Debt collection
Subproduct: Mortgage
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Ocwen
State: MI
ZIP_code: 482XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Several times this past year for example, Ocwen has sent notification of loan payment increases. Three times claiming to be for Escrow shortages. Once within two weeks. Now I get after sending in the amount, posted, now another increase. They seem to either can not add or subtract or are attempting to commit fraud by claiming false chargers.


Date_received: 04/20/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Settlement process and costs
Company: JPMorgan Chase & Co.
State: NJ
ZIP_code: 087XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My wife and I refinanced our existing loan with XXXX XXXX, XXXX in 2006 to purchase our future home. We supposed to get an adjustable rate mortgage and as such we signed countless papers. After having this loan for a few months we noticed that the amount we owed would n't go down and after numerous phone calls we realized that it was not only adjustable rate but interest only also. Many times we tried to refinance again, ( it was bought by Chase in a few months ), but we did not qualify. After 5 years we were able to refinance the loan and now after paying over {$130000.00} in interest, our mortgage was {$6000.00} more than we started with 5 years ago ( $ XXXX {$6000.00} ). Just now after a friend of ours had a similar case we started working with a lawyer who asked us to get the documents from the XXXX XXXX recording office. All the papers we signed emphasizes that it was interest only and one page where we did not sign on the bottom : Interest only addendum to adjustable rate rider. We did not even have this page in our file and there is our signature on a different page. WE WOULD HAVE NEVER AGRED TO SUCH TERRIBLE LOAN.


Date_received: 04/18/2016
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: IN
ZIP_code: 462XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I previously have had an account with Bank of America and XXXX XXXX they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Bank of America closed my account and refunded my money that was still in the account and XXXX was a charge off due to a negative balance. I have tried to contact Bank of America repeatedly for assistance with this matter and have had no luck in doing so.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: JH Portfolio Debt Equities, LLC
Issue: CA
Subissue: 913XX
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:
Ignored the timely sent request to validate debt, continued calling after written request to cease all but written communications, and reported the unvalidated debt to all credit agencies.


Date_received: 05/19/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Account terms and changes
Company: Equifax
State: TX
ZIP_code: 772XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Challenge an unfavorable section or oversight on my credit report. I am for the most part unsatisfied with CRAs reporting mistaken information, and other. XXXX archives/attach.


Date_received: 04/05/2016
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: OH
ZIP_code: 432XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. This DEMAND of documents letter was sent to Experian by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: NC
ZIP_code: 282XX
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, 2016, I attempted to order my credit report over the telephone. I provided all of the correct, required information. I am eligible for a free report because I recently placed a fraud alert on my file. However, I received an automated message that stated they did not have enough information to provide me with a report. Additionally, Trans Union has refused to delete outdated, inaccurate, and fraudulent information, even though I have substantial documentation to show the information should not be on my report. I thank you in advance for your assistance in resolving this matter of importance.


Date_received: 05/11/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Company: Navient Solutions, Inc.
State: CA
ZIP_code: 921XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
One of my largest loans is {$30000.00} that I took out in 2009 with a variable interest rate of 13.5 % this is without a consigner. This is the largest out of the {$87000.00} I owe without interest.. Now I must go back to school to try and get a job so I can try and pay off my debt before I die. I am unable to consolidate any of my private student loans because of the insanely high interest rate and my income is all tip based ( hard to guarantee how much I will make in the years to come ). I would love to get a job with the degree that I currently have but can not do so because minimum wage would not be able to support me and the over {$1000.00} monthly payments I will have to make to navient for he next 30 years. I just think it 's really funny how XXXX XXXX was able to sell off my debt to another company called Navient and I ca n't get them to lower my I interest rate to a single digit number like the government did with their loans. Navient or XXXX XXXX or whatever company holds my loans is the modern day loan shark. Right now I know I will never be able to buy a house or even get married. I thought going to college would help with my " American Dream '' but it has completely destroyed it."


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional fixed 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: Specialized Loan Servicing LLC
State: MD
ZIP_code: 212XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, XXXX I received a letter from SLS Mortgage Company, Specialized Loan Servicing LLC, stating that my account was transfered to them from XXXX XXXX XXXX, at that time I was a month behind and my monthly payments was {$680.00}, a few days later I received another letter from SLS Mortgage stating I was two months behind, which I made several attempts to contact them to dispute the amount owed, which was only one month. My wife made a double payment to catch up. On XX/XX/XXXX we received another statement which was for {$2700.00} the double payment was not applied to the account again. In XXXX of XXXX I received another letter stating my monthly payments were going from {$680.00} to XXXX I called SLS and no one would give me any answers, the woman told me in her system my payments were {$680.00} and to continue to pay that amount. The next statement I received was for {$3100.00} dated XXXX XXXX, the other payments were no applied again. My wife made a payment of {$1400.00} via money order, which has not been applied.I had also filed for a loan modification in XXXX, I filled out the modification papers five times because SLS claimed they did n't receive it and it was XXXX it to them each time. On saturday XXXX XXXX, XXXX I received the modification letters and SLS wanted me to pay them {$1000.00} a month, that not a loan modification, that is almost double of what my monthly mortgage is, considering I lost my job. I went through all my paper work I received from SLS Mortgage and found a letter dated XXXX XXXX, XXXX stating I owed XXXX XXXX from XXXX {$990.00}. advances of {$1200.00} and outstanding fees of {$29.00}, this was from XXXX and was included in my bankruptcy. This company is trying to collect on an Bankruptcy account that 's not even theirs.This company has really stressed me with the harassing letters of foreclosure threats, and wo n't post my payments correctly.


Date_received: 05/11/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: TD Bank US Holding Company
State: NJ
ZIP_code: 071XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
So a few weeks back i went into my local td branch to get a new debit card made and to deposit cash, while i was inside i delt with a few different individuals at the branch in XXXX nj. I was assailed verbally while explaining that i didnt agree with a few service fees i was being charged, the bank had not only changed my account status from student to non without notifying me ( which changed the minimum account balance from XXXX to XXXX $ ) but ALSO changed their overdraft fees to make them more stringent, so that even if you made sure to bring the balance to XXXX $ the same business day, they would still charge you XXXX DOLLARS the following business day PER transaction regardless of how the account closed on the day it was over drawn. So i tried to reach someone at a corporate level, noone was to be found, was given the run around verbally, told noone would be available and then eventually told i would receive a call back from a rep within 24 hours, that of course didnt happen. So essentially i was told to shut up and pay the fees even though i was arguing that thety were unjust seeing as how i never received any literature on the policy changes and or signed off on anything, in relation to terms of agreement. the answer from them was literally, oh well it was posted on our website, WHICH is an unacceptable response.


Date_received: 05/05/2016
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: CMRE Financial Services, Inc.
State: CA
ZIP_code: 918XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
CMRE Financial Services just popped up on my XXXX XXXX XXXX, that i owe them {$210.00} for a medical service in XXXX of XXXX. I am a 100 % sure that I do not owe them any money at all. I am outrage by the face that this company is committing fraudulent activities on my credit account. I have done my research and a lot of people are being scammed by this company.


Date_received: 05/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: NM
ZIP_code: 878XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
When I answered the questions about my personal info they said the info does n't match their records and I know I answered correctly, I went through this process three times and got the same response each time, so they have wrong info, I could not even get to a dispute form, someone is using my info because what I was disputing was XXXX hard inquiries that I did not make and a collections on a account I did not make. XXXX of the inquiries was just last month.


Date_received: 05/10/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: BB&T Financial
State: NC
ZIP_code: 286XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am a single mother of XXXX boys. I work hard everyday and live paycheck to paycheck and for years, BBT has been charging me with overdraft fees when a deposit or direct deposit has been made. I have been told that all debits come out first before credits and have tried numerous time to have my fees refunded. I have started taking screen shots with my phone to keep check on my account and have taken my phone to show these screen shots of my account to be told that debit comes out first before credits. I have talked to numerous people that bank with BBT as well as comments left online from other people that bank with BBT that they are gouging people with fees. I am at my wits ends and feel so used by my bank institution. Just so sad and disappointing that these banks feel that they can charge fees left and right from working class people who struggle to make ends meet and some of those are single parents.


Date_received: 04/20/2016
Product: Credit card
Issue: Advertising and marketing
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: CO
ZIP_code: 809XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I received a letter addressed to me in the mail that states I was pre-selected for a low interest credit card from Bank of America, specifically a Master Card. The letter also says it is a " special offer for me. '' Because the interest rate was low I wanted to transfer a higher interest balance to this card. When I applied I was rejected for the balance transfer."


Date_received: 04/22/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Capital One
State: SC
ZIP_code: 290XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX and XXXX acknowledged Capital One Credit Card was fraud account and they removed them off of my credit report. Capital One is doing whatever possible to continue to mess up my credit report when the was removed because they could not validate any purchases I made on their card nor did I receive a card yet activated so they were investigation. I need them to stop selling my personal information to other companies when I did not owe them they now got The bureau on my credit report. Capital One to stop these fraud transfer to dept collector.


Date_received: 05/13/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Problems when you are unable to pay
Company: CashCall, Inc.
State: NV
ZIP_code: 891XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Opened a payday loan with Cash Call in XXXX paid on the loan until I lost my job in XXXX. Informed Cash Call that I had lost my job and was un-employed and displaced. Per original attorney ( who is now deceased ) account was closed. A new attorney has purchased the debt and has re-opened accounts and is garnishing my wages. I have not been served with any paper work from XXXX to XXXX. I need to know how to proceed. Thank you


Date_received: 04/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: NY
ZIP_code: 117XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ive contacted equifax numerous times in regards to incorrect information on my credit report. I was told I could not re-dispute information that has been previously disputed. I have XXXX items on my report that were the cause of someone opening accounts under my name. I have reported this to the proper authorities and equifax will not accept I contacted law enforcement in regards to this. Equifax keeps updating my report with incorrect information which is affecting my credit score. I have sent letters/phone calls/copies of proof and am getting nowhere. I 've submitted a complaint on equifax already. I am fustrated at the the fact I supply proper proof and they still will not correct and remove this negative information. I also have XXXX credit cards that are held with commenity bank. I was told from equifax I need to contact commenity bank myself to clear the issue. I contacted commenity bank and received XXXX seperate letters for each of my accounts. ( XXXX XXXX ). I supplied the letters to equifax to show proof that they are requesting to update my report as these accounts were never paid late. Equifax still has not updated the information. XXXX account shows to go to a positive in 2022. This is beyond ridicilous. I am being penalized for incorrect information that is reflexing as negative when it should be reflexting positive. My next step is to hire an outside attorney to sue equifax for not correcting my report. This negative incorrect information is affecting my credit score. Especially when I paid all XXXX accounts on time and have proper proof from the bank stating so.


Date_received: 05/02/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Threatened to take legal action
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: HOVG, LLC
State: CA
ZIP_code: 923XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Debt Collector stated she will destory my credit score to XXXX in which I considered as verbal threat.


Date_received: 04/20/2016
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: Audit & Adjustment Co. Inc.
State: TX
ZIP_code: 778XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
This is not an account attributable to me, someone has obviously been using my SSN to gain access to services under my name. This is not my debt and needs to be cleared from my credit files.


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: Professional Recovery Management
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 Fox Collection Center 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: 05/18/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company: Transworld Systems Inc.
State: PA
ZIP_code: 189XX
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 not received any sort of response or correspondence form your company regarding making arrangements for a repayment plan on my student loan. Our last discussion stated you were going to work on getting the fraudulent and discriminatory default action taking by XXXX corrected so that your company and myself would be able to come up with a reasonable repayment plan. please advise on the progress you have made ; while I understand the illegal actions were not your choosing, having this Illegal and disgusting action that this loan company committed against me removed from my credit report is a MANDATORY step that needs to be taken before any payment is made.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: CMRE Financial Services, 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 CMRE to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 04/01/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Money was not available when promised
Company: MoneyGram
State: CA
ZIP_code: 920XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I went to Walmart to use the moneygram financial service to send {$2200.00} to the recipient XXXX XXXX and was charged a {$45.00} fee for the transaction. I was given the confirmation reference number # XXXX and submitted all required information. When the recipient went to accept the funds, he was unable to and was told that he needed me to contact moneygram at XXXX and that the form was filled out incorrectly. Firstly, all information was filled in by the authorized Moneygram representative at Walmart. Secondly, when I called that number I was only asked survey information and ultimately disconnected from the call. I called XXXX located on my receipt and was told that there was a note on the transaction that required additional information. I was transferred to two times and only asked the same information, being reference number, my name and recipient name. Upon the the third transfer I was left on hold over 33 minutes and as I type this am approaching another 30 minutes of being on hold for a total time of an hour. I believe their actions to be fraudulent in nature, they were paid a fee to provide a service and said nothing about missing information when they took my funds, but have not revealed anything regarding the alleged note on the transfer other than they just like to double check information on larger transfer amounts. I was denied a direct number to the local compliance agent who they are allegedly transferring me to as well as a name, if I 'm even being transferred at all and not simply left on hold. I believe they are fraudulently using the excuse of consumer financial compliance in order to hold my funds and nothing in the transfer violates any consumer financial compliance laws nor have they informed me of any viable reason for their actions. Furthermore, I believe their actions are in violation of consumer finance compliance laws as I have not been notified of any reason for the delay nor have I been given the opportunity for proper escalation to resolve the matter.


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: Resurgent Capital Services L.P.
State: TX
ZIP_code: 774XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had a XXXX credit card I closed the account when I lost my job but come to find out they never closed or contact me about it just kept it open I had no knowledge of this and then sent to a third party debt collection without me even knowing


Product: the only response was apologies and a promise train their customer service agents more fully."
Issue: JPMorgan Chase & Co.
Subissue: IL
Consumer_narrative: 606XX
Company: Consent provided
State: Web
ZIP_code: 05/19/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
After I explained to the supervisor how I had already called the bank to confirm the check was cleared


Product: Company disputes the facts presented in the complaint
Subproduct: Enova International, Inc.
Issue: VA
Subissue: 234XX
Company_public_response: Consent provided
Company: Web
State: 06/28/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
While they may be able to lend to Virginians it should be done legally. They are not a bank, therefore they may not export deregulation from my home state or preempt my home state protections.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: FAIR COLLECTIONS & OUTSOURCING, INC.
Issue: MI
Subissue: 490XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I am XXXX and this inaccuracy is causing unnecessary stress. I have disputed with all XXXX Collection Agencies, FCO continues to verify thier information as correct.


Date_received: 05/03/2016
Product: Credit card
Issue: Other
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: VA
ZIP_code: 239XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I became aware of several charges on a Bank of America card. I contacted Bank of America asking them to validate the debt. They did not respond. Account was removed from my credit reports. Bank of America still reported the debt to the IRS.


Date_received: 04/21/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: Company believes complaint is the result of an isolated error
Company: Coastal Credit, LLC
State: PA
ZIP_code: 151XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is the issue I DO N'T HAVE A LOAN with this company. Supposedly XXXX XXXX used me as a REFERENCE ( without my permission ) on her car loan at Coastal Credit LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, Phone - Customer Service/Collections : ( XXXX ) XXXX Coastal Credit calls me on a consistent basis looking for XXXX. So far Coastal Credit has called XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I have asked Coastal Credit on at least XXXX occassions to STOP calling me. Coastal Credit keeps indicating XXXX gave them permission to call me by using me as a REFERENCE. I Stressed to them that I did NOT owe them any money and QUIT calling me. Coastal Credit keeps stressing they are going to KEEP calling me until I get XXXX to contact them. That is BLATENT HARASSMENT!!!


Date_received: 05/11/2016
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: MO
ZIP_code: 631XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
All of the accounts listed have been removed by both XXXX and XXXX. Experian is continuing to report all of the accounts on my current report.


Date_received: 04/22/2016
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: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX, XXXX, and TransUnion continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.


Product: and their rep XXXX XXXX from the XXXX
Consumer_narrative: just like what XXXX XXXX XXXX did
Complaint_ID: Yes
Date_received:
I made my regular payment, as I have always done but noticed my payment was not applied. I contacted Ditech immediately to have this corrected. Ditech informed me that due to their new " system '' my auto pay was cancelled and never notified me that in writing. I IMMEDIATELY made a payment over the phone on XXXX/XXXX/XXXX for the XXXX payment

Subproduct:
 NC office MISAPPLIED my payment to principle instead of my house payment. So you understand how serious this is to me as I have XXXX trust in the bank

Issue:
 I schedule my auto pay on the XXXX of each month in order for me to babysit the process and give them enough time to mess up so it 's not close to the final due date. I have been calling daily to have the payment reallocated from principal to house payment and backdated to the date it was paid to no avail. It has been 8 business days. They continue to tell me my payment will be applied

Subissue:
 but again I do not believe them and feel that this nightmare is starting once again! I have an extensive phone long and recorded my calls to them as they will not give me anything in writing that shows I did make my payment on time and it will be backdated and reallocated properly. I have spoken to 8 supervisors who make empty promises and it is my fear that this will fall through the cracks


Complaint_ID: Yes
Date_received:
I 'm not surprised that they will not put any of these conversations or complaints in writing. I sent them a written demand to investigate this but again


Product: Company believes complaint is the result of an isolated error
Subproduct: Ditech Financial LLC
Issue: CA
Subissue: 945XX
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Thank you for any help you can offer. My fear is that this housing crisis that I lived through is slowly coming back. The internet has hundreds of recent stories that mortgage service companies such as Ditech as still doing this unethical practice."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: LA
Subissue: 707XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I called the XXXX in XXXX XXXX and I was told that the Bankruptcy should be deleted and they are no longer reporting it.


Date_received: 05/09/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company: PennyMac Loan Services, LLC
State: TX
ZIP_code: 782XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
To Whom It May Concern, I 'm writing to you because my house is being foreclosed on. the sale date to my house is XXXX XXXX is my XXXX modification that ive been on. the XXXX modification was back in XXXX XXXX '. I submitted everything they asked me for. then somewhere along the line my application for the modification got lost thru their cracks. if they can pull recordings and time stamped on documents that I submitted in a timely manner if you may please help me. my contact info. I may be reached any time anytime. thank you


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
State: is vague
Complaint_ID: Yes
Consumer_narrative:
Seterus has exercised vague and unbound fees which represent undocumented modification to the original contract while presenting complex and confusing billing that present past due amounts that include future due payments Exhibit " 1 '' is a bill from XXXX XXXX

Company_public_response:
 2016 shows a Payment due date '' of XXXX XXXX 2016. This bill is a clear miss-representation of my account. The past due amount at the time of the bill is B - C : XXXX - XXXX = XXXX Furthermore

Company:
 I have "" E '' ( Suspense credit ) in the amount of {$370.00} Thus the amount really owed is : B - C - E : XXXX - XXXX XXXX = {$280.00} Shown on Exhibit "" 1 ''. The line item named "" Total Charges '' ( D )


Subproduct: and emotional distress
Issue: the consumer is left to guess at what this charge is
Complaint_ID: Yes
Date_received:
This seems like an illegal contract as it is impossible to know that you are in compliance with a vague

Product:
 and unbound clause of a contract. These fees are also created and imposed without any notice or option of the consumer to contest the implementation. To add further to the confusion


Product: which may include late charges
Subproduct: returned check charges
Issue: attorney fees
Complaint_ID: Yes
Date_received:
Exhibit "" M '' is an explanation by Seterus titled "" HOW TO READ YOUR STATEMENT ''. In this sheet "" Total Charges '' line item showing that "" K '' of the sheet is the definition : '' Unpaid charges at the close of the statement cycle

Subissue:
 etc. '' What is "" etc. '' exactly? Where on the bill is an explanation of what this fees consists of? Is It in the section titled "" Past Payment Breakdown ''? in line item ( F ) "" Charges '' is a value of {$12.00}. However

Consumer_narrative:
 the heading is "" Paid Since Last Statement ''. So that 's not it. At the bottom of the billing statement is ( G ) "" Activity Since Last Statement ''. But


Date_received: It seem to me that In order to get credit for the next payment
Subproduct: it was received on XXXX XXXX and shown on XXXX XXXX. So this is not shown on the XXXX XXXX billing
Complaint_ID: Yes
Product:
 I should subtract the "" Suspense credit '' of : {$370.00} from the "" Regular Payment '' of : {$470.00} : C - E : XXXX XXXX = XXXX So I made a payment of {$120.00} on XXXX XXXX


Date_received: 05/10/2016
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: Loan Care
State: AL
ZIP_code: 351XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mortgage company failed to pay my taxes in XXXX. They did not notify me at all. I did n't find out until I went to the courthouse to get proof of residency to register my son for school. They have since sold my loan to a different company and wont tell me anything. My taxes were sold XXXX XXXX, XXXX. No one will tell me where the money I paid for taxes is.


Date_received: 05/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have requested my credit report many times and Equifax does not comply with my request. I mailed it identification information but still no response. Third parties are being able to see my personal information because Equifax has my information mixed with that of another person. Ca n't get my mortage loan approved because Equifax is reporting the wrong information. This issue has been on going for more than two years. My information dkeeps being mixed with someone else 's


Date_received: 04/18/2016
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: IL
ZIP_code: 604XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I tried to apply for a loan modification and was turned down because I was n't behind in my payments. My property taxes have tripled and I was trying to get the bank to escrow the taxes and insurance. After speaking with them, I could not do either. I have had the mortgage since XXXX. On XXXX XXXX, XXXX, BOA called me at work to ask me when my payment was going to be made. It was supposed to be made on the XXXX, however, XXXX Bank scheduled it for XXXX XXXX ( XXXX day late ) because I missed the cut-off time for the payment to be made on the XXXX. I have never missed a payment in 20 years and this was the very first time I was late and not due to my fault. I am furious that BOA is harassing me for XXXX payment which will be made tomorrow, XXXX XXXX after 20 years of NEVER paying late. I want them to stop.


Date_received: 05/02/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company: ACS Education Services
State: FL
ZIP_code: 342XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a private student loan from ACS and have experience several issues and inconsistencies when paying for my student loan. First, I do not deal with ACS directly but with an establishment called XXXX XXXX. XXXX XXXX automatically debits from my debit card for payments to the ACS owned loan. As much of an convenience this sould be, XXXX XXXX has failed to debit my account for payment on several occasions. When this occurred I was never notified the account was past due until 30 to 60 days with a phone call from a representative from XXXX XXXX. However, if it was 30 days late instead of asking for the past due amount of XXXX dollars. I was yelled at and requested to provide a payment of XXXX dollars at a time. When I asked how this number came to be, I was told about the past month, the next month. If my math serves me correct that would be a payment of XXXX dollars. So I would not pay they allowed me to pay the miss payment and set up my account for debit for the follow ( next ) payment that was due in several days or weeks. This unfortunately has happened again however this time we went almost 2 years with no issues. On XXXX and XXXX 2016 my debit card was flagged for suspicious activity and reissued a new card. That means ACS / XXXX XXXX did not receive a payment for XXXX or XXXX 2016. However they had bank account and routing number info as well in order to make payments. This did not occur and I received a phone call for XXXX dollars. Everytime they call it 's a new large crazy number they know I would not be able to pay. Then they stated they have a new deal for restructuring my loan since I went 2 years with no payment issues. I was told to XXXX XXXX as a new monthly payment. I asked about the late charges and late payments, with a request to have them removed off the credit report. I was advised with my new restructuring of the loan those late payments would be removed and just paying a flat fee would ensure that. I was advised to electronically sign the new deal and provide a new payment. I went to read the new deal and actually due to their website could not read the contract but it only provided a table of sorts about how it works. I signed this deal and provided payment. A month later checking my credit report late payments of 150 days was report and the credit score dropped at the worse time. I 'm in the mist of buying a house for our new family. But even though only XXXX and XXXX were missed ( even with me paying a large payment to catch the account up and reflects on the pdf ) my credit report states I am currently ( as of XXXX ) still 150 days late on payments. However, the credit report and reporting from ACS states I made full payments in XX/XX/2016. Again going back to my basic math, I did not know 150 days were in XXXX and XXXX combined, I guess 2016 was a very large leap year. On this pdf attach you will see XXXX payment XXXX and XXXX XXXX payments. XXXX of those XXXX payments for XXXX dollars for XXXX and XXXX plus an amount down for restructuring the loan for a lower payment. I have complied with every wish and demand of ACS and XXXX XXXX only to be let down once again and given the run around.ACS and XXXX XXXX both record their lines when on the phone with customers. If you request XXXX XXXX, 2016 between the times of XXXX and XXXX, you will hear a conversation with me and their representatives about removing the late payments per the new contract and a letter stating they would on XXXX XXXX, 2016 the next opportunity to report to the credit agencies. This did not occurred and another phone conversation for XX/XX/2016 at approximately XXXX stating ACS and XXXX XXXX will not do this as agreed. And I could write a letter but that 's not a guarantee they will fix the error as previously agreed to do so. No contact about these late payments were given


Date_received: 04/18/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
State: XXXX
ZIP_code: my mortgage is going up {$700.00} dollars more in my mortgage
Submitted_via: not including property taxes and Insurance
Date_sent_to_company: besides others regular expenses. I when up to the Executive Department and with out sympathy
Company_response: a executive by name XXXX executive assistant of the Vice President XXXX
Complaint_ID: phone XXXX."
Consumer_narrative:
I started my complaint with the regular customer service to apply for a " Affordable Fixed Mortgage Payment ''. After I was bombarded by several financial and family lost XX/XX/XXXX followed to a XXXX leave. I applied 3 times for a Loan Modification or a Home Affordable fixed loan. Every month I 've called the Wells Fargo Bank to checked the status of my application. Every month I was told that they did not can not do anything earthier my self just to wait just to waited until a final decision was made and I asked bank if I should make the payment they said not to make any payments until decision was made in my modification was made at the conclusion of the case. The bank waited 8-9 months to informed me that my loan modification or affordable payment was denied! Not just that.. I was told that my credit was not going to be affected! That was not true! They sent me to collection

Company_public_response:
 charged me late fee 's for all the most that I was behind and also they are charging me escrow??? When I asked why they were changing me escrow I was told that they were changing me for the property insurance?! When I have insurance

Company:
 I have this insurance for many years. When I faxed them the proof of the insurance. They ignored my fax and they 're still changing me for insurance otherwise I been paying insurance twice since I paid for my insurance back in XXXX XXXX. Now staring XXXX XXXX

Timely_response:
 told me that if I can not afford to make the payment anymore. They will put my house in foreclosure simple as that! I started crying over the phone while I was talking to him

Consumer_disputed:
 I told him that I could not believed that they were so unprofessional and do not care taking over families roofs! My loan has a lots violations.. Pls help to get an affordable mortgage payment. Please contact me my email address is XXXXXXXXXXXX


Date_received: 05/16/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: Equifax
State: SC
ZIP_code: 296XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
No matter how hard I tried on the phone it would say I tried too many times and stopped and on line after answer all questions to the best of my ability it would not continue after that, just stopped.


Product: evidence of robosigning
Complaint_ID: Yes
Date_received:
6. False Claim as a trustee in XXXX in its foreclosure attempts with no proof. Substitution Trustee recorded later in XXXX - also no proof


Complaint_ID: Yes
Date_received:
This internet listing continues to attract "" buyers unawares '' with the upcoming foreclosure auction sale XXXX XXXX


Date_received: 05/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: NY
ZIP_code: 110XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The New York State Supreme Court had dismissed the XXXX XXXX XXXX XXXX in the index number XXXX on Equafax Account # XXXX,. I have enclosed the copy of Supreme Court order.Equifax Has failed and and refused to properly investigate the validity of the XXXX XXXX information even though the New York State Supreme court had dismissed the validity of this wrong information and XXXX XXXX Claim. Why Equifax did not communicate with N.Y.S. Court and further investigate the truthfulness of the information being reported in my credit report knowingly that it would Tarnish my credit report and my ability to receive further finance. They Simply Failed and continue to admit to their mistake under the legal protection afforded to me as a consumer.


Subproduct: Red Cedar Services, Inc
Issue: FL
Subissue: 328XX
Company_public_response: Consent provided
Company: Web
State: 05/16/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I was desperate at the time. I had now other way to pay rent. I am on XXXX and can not afford to pay them what they are asking. I tried to work out a different payment plan with them and they refuse to help me.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: I do not know
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: First Data Corporation
State: LA
ZIP_code: 704XX
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:
TeleCheck declined a check written to XXXX XXXX on XXXX XXXX, 2016 there was no reason for decline since my account had the funds necessary for the purchase. They now want be to send them an extra {$25.00} fee. TRS Recovery sent me a letter stating that telecheck has purchased the dishonored electronic fund transfer. They want me to pay with a debit card now. I have not been able to talk to a person but I faxed them my response to this fraud.


Date_received: 04/29/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Navient Solutions, Inc.
State: TX
ZIP_code: 710XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They keep calling my job. Obtaining my personal work schedule. Did not leave info when asked. They fraudulently advised another supervisor that they were verifying info for a new job at my current employer. My boss asked me was I looking for another job because I am trying to get a promotion. That is ruined and now my hours are cut due to this. This is unethical.


Date_received: 03/23/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Problems when you are unable to pay
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: American First Finance, Inc.
State: IL
ZIP_code: 615XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
When my account got behind I made a payment agreement with them using my debit card. I had already paid off more than twice the amount of money I borrowed yet because of their insanely high interest rate they still claim I owe them as much as the day I borrowed from them. Anyway using a debit card ever with them is a BIG mistake. HUGE mistake. once I had used my debit card for what was supposed to be a single transaction when I got behind again they started debiting my account with that card on a daily basis. When I called they said that legally they were allowed to do so until my contract was up to date. My contract says nothing of the sort! Do not ever authorize a one time debit payment with this company because until you cancel everything with your bank they will bleed your account dry and not even bother with the contract arbitration that they have you sign. You are better off to use rent a center or aarons than these people. This company is predatory lending at its finest, ripping people off draining their bank accounts and socking bank charges on top of their own charges and fees.


Date_received: 05/12/2016
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: TransUnion Intermediate Holdings, Inc.
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I disputed XXXX accounts with transunion credit reporting agency informing them that these accounts were reporting inaccurately and to please remove off my credit report. When I received the results the accounts came back verified. I then called the original creditors and they were not able to provide me with information regarding the accounts I disputed. I then called transunion and request the method of verification to be provided to me. They told me they do not have any documentation to provide to me and that I need to contact the original creditor. I then informed them that I did in fact contact the oringinal creditor. She then stated that that is where they got their information from and I was like please provide me with this information and she stated she can not give me this information. I informed her per the fcra that o have the right to request method of verification and she said yes you are correct and to contact the oringinal creditor. I then informed her once again that I did talk to the them and I can provide you with the name of the person I spoke with, the time, the telephone number as well as the department and they all told me that they do not have any information regarding those accounts. I then asked to be put on the phone with a supervisor and she told me to hold and then she hung up the phone on me. The accounts that I am requesting to be removed are : XXXX/express acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX


Date_received: 04/30/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: GA
ZIP_code: 309XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A tax Lien was reported improperly on my Transunion credit report by my counties tax assessor for non payment. The county says that they sent me notices for non payment but never did. The assessor says that they have no proof that any letters were sent and that the letters were not certified. The tax billhas been resolved since XX/XX/XXXX and no lien is reported to the state but shows on my credit file.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Credit Services of Oregon, Inc.
Issue: OR
Subissue: 973XX
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 tried calling and so did my sister, who is an authorized user on my account and neither XXXX of us was ever actually able to speak to a person. It is my understanding that sending those XXXX different notices within the 30 days of each other is in violation of the FDCPA because it sends confusion to the least sophisticated consumer.


Date_received: 05/03/2016
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: Specialized Loan Servicing LLC
State: NJ
ZIP_code: 073XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Specialized Loan Servicing is knowingly engaging in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification. I 've submitted all the required and requested documents. I received the enclosed letter indicating the status of documents received. I called SLS via phone and was told to resend a XXXX and XXXX forms. I send these forms immediately via fax and email. I called SLS again to verify receipt of the tax forms and was told to resend again because know they no longer accept the forms anymore despite me getting the tax forms directly from SLS website 's Document Library. I have had this pattern of SLS telling me something IS wrong with this tax form at least 4 times causing delays and putting me in danger of a foreclosure sale."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: NC
Subissue: 272XX
Company_public_response: Consent provided
Company: Web
State: 04/27/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
The lenders repeatedly interfered in my rights to file discharge requests, ignored my doctors valid forms requesting discharges multiple times. They illegally obtained wage garnishments effectively forcing me into forced servitude while I had an appeal process in place with XXXX after XXXX extorted my benefits by forcing me to choose losing my home a second time or continue to work in a job I was not medically qualified for and caused additional injury. Had the garnishment not taken place, I could have left sooner and survived the expected years I had to wait to get XXXX to reinstate my monthly benefits. The lender share guilt in reckless endangerment. NOBODY policed the lenders. They belong in jail with the rest of the common criminals who steal money. I want the stolen money from the illegal wage garnishments returned.


Date_received: 05/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: TX
ZIP_code: 782XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
EQUIFAX HAD AGREED TO SHOW A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX AS CLOSED WITH A XXXX BALANCE AFTER INVESTIGATING MY FORMER COMPLAINT ON XX/XX/XXXX THROUGH EQUIFAX THEMSELVES AND CFPB. THIS ACCOUNT HAS REPOPULATED AND IS SHOWING A BALANCE OF XXXX DOLLARS. IT WILL BE SEVEN YEARS SINCE THIS ACCOUNT HAS BEEN PUBLICIZED ON XX/XX/XXXX. I REQUEST THAT THIS ACCOUNT SHOW A XXXX BALANCE UNTIL THEN AND REMOVED FROM MY CREDIT REPORT WHEN DEEMED APPROPRIATE - XX/XX/XXXX.


Date_received: 04/08/2016
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: 023XX
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 have called Macy 's concerning a negative rating on my credit report and they first assured me that the issue would be resolved when I call them back the following Monday. When I made the call they took a very different tone and attacking my character. I mentioned that I always pay my debt with an automatic XXXX XXXX XXXX payment, for example below every month : Dear XXXX XXXX : The following payment has been scheduled : Pay To Account : MACY 'S Account Number : XXXX Payment Amount : {$150.00} Deliver By Date : XXXX/XXXX/2016 Confirmation Number : XXXX Pay From Account : XXXX Account Description : XXXX CORE CHECKING I was not aware that I was behind on my monthly payment and it could have results on some tech error. they refuse to listen and show no empathy or acknowledge my concern.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: GA
Subissue: 300XX
Company_public_response: Consent provided
Company: Web
State: 05/21/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
public record XXXX provide information showing this account date file and stautes is correct information. Delete information XXXX / provide validate of this account with last date of payment and when this account went into collection on my credit report it states no payment history so who can it be a valid open collection / delete information XXXX Collection account XXXX no payment history to complete that fact of it being a collection account when did this account go into collection Trans union is not reporting a full accurate account detail / DELETE VIOLATION OF THE FCRA XXXX reporting unverified information verify when this XXXXaccount was open and placed for collection. Trans Union DElete information Violating THE FCRA XXXX DELETE ACCOUNT NUMBERS XXXX XXXX OUTDATED ACCOUNT OPEN 1987 DELETE REMOVE ADDRESS LISTED XXXX GA XXXX XXXX


Date_received: 04/03/2016
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: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have 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: 05/17/2016
Product: Credit card
Issue: APR or interest rate
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: CT
ZIP_code: 060XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had a Barclays Arrival Card and a Barclays XXXX XXXX XXXX card. Barclays switched the XXXX XXXX to an XXXX XXXX without offering any other products to switch it to. This means that I now have XXXX of the exact same credit cards. It is silly to have XXXX of the same cards so I wanted to combine them. XXXX card, the original XXXX, has an interest rate of 18.24 % and the ( former ) XXXX has a rate of 25.24 % but the XXXX card is older so I wanted to combine the other account into that XXXX. Doing so would require me to give up my lower 18.24 % interest rate though. I think this is unfair. Since Barclays forced me to take the XXXX XXXX as a substitute for the XXXX XXXX, forcing me to have XXXX of the same cards, it should allow me to consolidate them into the older of the XXXX card at the lower interest rate so it does not harm my credit by being forced to close an older card. I can close the 25.24 % card and add the available credit to the 18.24 % card but that harms my credit. By matching the 18.24 % for both cards they are effectively doing the same thing without forcing me to harm my credit.


Date_received: 05/16/2016
Product: Debt collection
Subproduct: Auto
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company can't verify or dispute the facts in the complaint
Company: CCS Financial Services, Inc.
State: WI
ZIP_code: 544XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
There was incident between my boyfriend and I. But now the collections company is coming to me because some XXXX ( his friend ) made a fraud insurance claim with my name. I am not involved with this incident. I went to court for it already and those charges were dismissed, therefor I am innocent of them. The collections company keeps harassing me even after I faxed them the proof of the charges being dismissed and told them I have a lawyer. I do not need this showing up on my credit.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: I do not know
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Company: The Best Service Co.,Inc
State: CA
ZIP_code: 934XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Professional Collection Consultants sent my employer via US mail a fake wage garnishment letter. The letter stated false court report numbers. I contacted my local court and there was no evidence of the report number given by XXXX XXXX law offices on file. There were no stamps on the letter stating that judgement was filed. I do not have any debt. I have no collections. I have never heard of XXXX until writ was given to my employer. Never once had XXXX tried to collect money from me. I have no knowledge of this company or any debt that they claim I owe. I have nor never have I had a judgement against me. I do not appreciate these illegal and harassing tactics to collect a debt I do not nor have ever owed.


Date_received: 04/30/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker
Company: Nationstar Mortgage
State: CA
ZIP_code: 921XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Dear CFPB, In a previous complaint to you XXXX XXXX about Nationstar mortgage ( see attachment ) I respond to their requirements and submitted all the documents needed on XXXX XXXX. XXXX XXXX ( point of contact, See attachments ) acknowledge that the documents received and she sent it to the loan modification department. But today XXXX/XXXX/2016, I spoke to nation star employee XXXX - XXXX and he said NO DOCUMENTS WAS RECEIVED. A TRUSTEE SALE DATE POSTED ON MY FRONT DOOR FOR XXXX/XXXX/2016 WHILE I AM IN AN ACTIVE LOAN MODIFICATION. This is not right or fair, this is wrong, please kindly help me resolve this matter. My point of contact XXXX XXXX or the loan modification department has not me since I have submitted my loan documents XXXX/XXXX/2016. On XXXX/XXXX/2016 a trustee sale date was posted on my front door. Please Please help me.


Date_received: 04/19/2016
Product: Mortgage
Subproduct: VA 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: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Wells Fargo is currently blocking my request for a loan modification and forbearance. My application for a loan modification is not being reviewed per Consumer Rights Under CFPB, Dodd-Frank, and RESPA Consumer Rights.


Date_received: 05/19/2016
Product: Credit card
Issue: Other
Company: Discover
State: LA
ZIP_code: 713XX
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 had a secured Discover IT card, and I fell behind with payments due to education expenses. My account was closed and permanently revoked in XXXX, and this was not something I was aware of. I reached out on XXXX XXXX, 2016 by a message, and I asked if I made a full payment would it enable me to have spending privileges again. I was hasty, and I initiated a live chat with an Account Manager. We had an extensive chat, and in the end, I ended up making a payment for the full balance. Well, during this chat, this manager did n't say anything about my account being essentially inactive. I scheduled the payment for XXXX XXXX, 2016. I received a response on XXXX XXXX, 2016 informing me that my account was revoked and closed. I immediately sent a message and asked them to stop the payment having been told of that new information. To this day, I have not received a response to that message. I finally decided XXXX hours had passed, so I reached out to a live agent and asked for the payment to be reversed on XXXX XXXX, 2016. She told me that it would take about 15 business days for it to go thru the proper channels. I waited that much time and a bit over because on XXXX XXXX, 2016, I reached out again and I was informed that due to my payment history a partial or full refund could n't be issued. I did n't let it rest. Since XXXX XXXX, I have been fighting constantly. I reached out to the XXXX, and about an hour ago, I rejected Discover 's decision and issued a rebuttal. Discover has given me the runaround tirelessly for almost three months. I have talked to Account Managers, Supervisors, and this XXXX person who was a representative of the XXXX division. It went from a 15 day refund to talking to the bank wire department to everything in between. I even offered to allow them to a portion to show good faith. They rejected that citing company policy and my payment history. At any rate, this payment was made without having all of the facts. I do n't know if the agent assumed that I knew my account was revoked or what, but all I wanted to do was get back on track. I 'm a college student, and I do n't have a lot of money or a cushion so to speak. {$5500.00} tuition every XXXX weeks and the cost of supplies for school means my money is low. I was trying to do the right thing, but I would have preferred to pay the balance down overtime. I 've been more than patient. I realize my payment history was n't as strong as it could have been but work with me not rail against me and make me pay for a miscommunication. It 's bad enough that I asked 24 hours after the payment was scheduled to be taken for someone to please stop it and no one responded. It was a gross error and a huge mistake. One that I have been fighting hard to amend since XXXX XXXX, 2016.


Date_received: 04/13/2016
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: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/13/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
My Bloomingdale 's American Express ( Citibank ) credit card was compromised on XXXX. Fraudulent charges were made on this account and it was closed immediately. I have not re-opened the card and do not intend to. I was instructed by Bloomies/AMEX Fraud Dept. to file an Affidavit ( which they sent me ) listing charges, with a Notarized Document and with my Drivers License copy. I promptly complied with this instruction and these materials were faxed on XXXX and again on XXXX with no response. These faxes were received however, see Attached Confirmations. To date, there has been no resolution or response. I called on XXXX ( Operator XXXX ID XXXX ) and XXXX and on XXXX ( XXXX Operator ID XXXX ) and again on XXXX ( Operator ID XXXX XXXX ) and each time after waiting over 60 minutes, was never connected to the Fraud Dept. In interim, I have been harassed by numerous phone calls and letters indicating that I owe monies and calls from collection firms. Bills continue to be sent with finance charges being added and compounded. I have been unable to secure credit from other creditors and am now applying to various executive banking positions that require credit checks and am told that my credit rating has been adversely impacted by this account at the XXXX credit agencies. Citibank ( Bloomingdales AMEX ) refuses to respond after now 120 days after my initial reporting of this fraud. They have negatively impacted my credit bureau reporting and have made me wait hours on the phone. Their fraud number is a number that does not address consumer complaints as they never pick up on that number. This number is XXXX. When I call this number, I am immediately routed to the collections department and then told to wait. See attached documents. I also called this morning, XXXX and after one hour of waiting hung up the phone.


Date_received: 02/29/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: ARC Management Group, LLC
State: TX
ZIP_code: 768XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/15/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
I am receiving continuous calls from XXXX. I do not answer because I do n't recognize the number. It is a Georgia phone number. I only know what it is from researching it on the Internet. I want this number to STOP calling me.


Date_received: 04/28/2016
Product: Prepaid card
Subproduct: General purpose card
Issue: Managing, opening, or closing account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: NetSpend Corporation, a TSYS Company
State: CA
ZIP_code: 902XX
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 recieved a refund from a purchase made on a card that is now closed so i had the merchant senf it to my netspend card noe my account is locked and netspend offers no assistance to me.


Date_received: 05/03/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: FL
ZIP_code: 347XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
US Bank suggested that I do a loan modification because I was always a few days late on my mortgage but never more than 30 days late. They said that my mortgage would be lowered as a result of the modification. The modification did not lower my mortgage as US bank stated it would. They told me I needed to make payments through XXXX XXXX which I did. As a result of me making my payments through XXXX XXXX and them not applying them immediately they reported several late payments to the credit bureaus. I do n't think this is fair because I would not have been interested in the modification if they had n't made a false promise that it would lower my mortgage when all it did was hurt my credit.


Date_received: 04/22/2016
Product: Mortgage
Subproduct: VA 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: NY
ZIP_code: 136XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been trying to do a loan modification with Bank of America since XXXX 2014, I have submitted every document they have ever asked for. I even called the lady who was helping my case numerous times and emailed her and she never got back to me. We are a military family and we had to XXXX ( move ) to XXXX XXXX XXXX, we live XXXX and pay XXXX a month for housing and are house in XXXX was n't rented for some time and I was having health issues so I was unable to work and was going through the XXXX process. We fell behind in payments because we have XXXX kids that needed food and clothes and other items. So recently I got a third party involved in helping us with the house to do a Deed of Lieu, he has been having a hard time trying to get help with this. They told him that I did not send in any documents so I gave him all the paperwork and the letters that bank of America sent saying thanks for the documents we are reviewing them and will let you know the decision once the review is done. As the months went by and I never heard anything from Bank of America after I tried calling numerous times, and there were a few times I was on the phone for over 2 hours being transferred from one department to another and no one could help me. The agent that I have helping out with this now was told that a short sale was not necessary because of our hardship but when I called today they said the account was on hold for a short sale and they wo n't do anything with the Deed of Lieu until the short sale is done. So they are giving out incorrect information and not giving the agent or us any help what so ever. I have copies of every document and letter I have received from bank of America and even online XXXX has documents and letters from bank of America proving I submitted documents to them. With my health problems and my husband who has been in the XXXX for over 20 years has some serious health issues also we need this process to go quickly, we ca n't afford to keep the house and would lijke for Bank of America to at least help us out.


Date_received: 04/08/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
State: and I called them to report the stolen or lost card on the XXXX
Submitted_via: and Regulation E. I am still in the XXXX."
Company_response: Capital One
Timely_response: CA
Consumer_disputed: 953XX
Consumer_narrative:
My debit card was lost or stolen on the XXXX of XXXX 2016 and I immediately called the bank. They continued to forward my call to three different people when I finally talked with their security department. The woman named XXXX immediately started questioning me about the name on the check that I had deposited not even 24 hours before. Finally after all of her questions she told me that a withdraw was made at an ATM for {$800.00} and asked if that was me, no and I replied what do you mean I did not even deposit the check 24 hours ago, how could it clear so fast? Then she started making comments about this being a common scam. She said she was going to restrict the account and to wait 2 to 3 days for a determination after investigating. When I finally got to speak I told her " THE REASON I CALLED IS DUE TO MY DEBIT CARD MISSING ''. That is all she said and when I got off the phone I immediately sent a written statement to them regarding what had happened. I got the e-mail and told me to click on a link to see the message

Company_public_response:
 but because of the account being restricted I could'nt get past the sign in screen. I also received several phone calls from them from different people

Company:
 but when trying to connect back I could not talk with the same person. Today I received a letter from them again and it states that "" we finished looking into your dispute and did n't find any errors ''? I did not know that I filed a dispute? Today is XXXX XXXX

ZIP_code:
 no one ever treated this as an un-authorized withdraw from my account and no one ever told me what was going on and I could get any information through trying to look at my account because of the restriction they placed. They are being very rude and unprofessional and I have never been so humiliated in my life! I thought that my debit card was protected by EFT Transfer Act


Date_received: 04/04/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/04/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
My Identity was stolen. Some one opened a credit card account from a bank I do n't know of, on an address I 've never lived in, but in my name using my social.


Date_received: 04/20/2016
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: Bank of America
State: OR
ZIP_code: 970XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Bank of America changed my mailing address on the account based on receipt of forwarding information from the Post Office. I did not submit a change of address to the post office and I did ntot relocate my Bankcard statement was mailed to another persons address. this is a violation of my financial privacy and XXXX. Bank of America should not be acting upon forwarding information to change addresses as it can compromise accounts, create identity theft and violates federal laws


Date_received: 05/08/2016
Product: Credit card
Issue: Sale of account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: NJ
ZIP_code: 070XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
The store solicited me to open an new HD credit card account. Never received the bill or credit card, and went to the store with purchase receipt and application package demanding for payment. After store associate called the bank, {$25.00} was confirmed as minimum payment without financial charge, and paid {$25.00} in the store on XXXX XXXX, 2016. However, received the statement XXXX XXXX that stated posted charge of {$30.00} late payment, {$13.00} for the finance charges. I paid off the rest of balance on my account on XXXX XXXX. Complain : No bill for the payment, charge is not transparent, the benefit interpretations was misleading, solicitation for the opening HD credit card with fake benefit.


Date_received: 04/16/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Great Lakes
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Was not informed on the debt I owed or need to pay until it had already been sent to collections. I was only XXXX at the time and had no way of paying it back. was told that I would have a whole XXXX grace period to pay whatever was owed yet I 'm constantly being harassed and my credit is being taken advantage of.


Date_received: 05/11/2016
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: CO
ZIP_code: 800XX
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:
Experian has not removed disputed record of 4 months of late payments after Creditor committed to removing negative items. Experian has not updated all those that have requested my credit with the updated information. I confirmed this today XX/XX/2016 with Experian both online and over the phone. Too much time has passed and my credit is still suppressed by this inaccurate information. This must be resolved immediately.


Date_received: 05/04/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Company_public_response: nor have I ever applied for a PayPal Credit account
Company: I thought the e-mail was a fraud. I logged into my PayPal Account
State: which has been active for several years
Complaint_ID: Yes
Consumer_narrative:
This morning I received an e-mail from PayPal Credit regarding my " account ''. As I have NEVER opened an account with PayPal Credit

ZIP_code:
 and discovered I had a PayPal Credit account with charges and a credit line of {$2500.00}. I saw charges on the account that I had recently made

Submitted_via:
 but I had no idea how they ended up in PayPal Credit. I called PayPal and was told that I had clicked on "" PayPal Credit '' when I made my purchase. I told them that I had never applied for credit

Date_sent_to_company:
 and that these charges were to online businesses that I had used regularly over the years and that my PayPal account was set up through my debit card and linked to my checking account so that charges would come directly out of my credit account. The employees ( I spoke with XXXX of the customer no-service reps ) insisted that I had clicked on PayPal Credit at the time of my purchase. If that 's true -- and I maintain that it is not -- and since I 've never applied for credit with PayPal -- then how was I able to run a charge through a credit account??? This must be some kind of scam that PayPal is running to trick people into using PayPal credit. ( 1 ) No one should be able to click on credit and receive credit unless they have applied for credit with PayPal -- that 's a no brainer!!! ( 2 ) PayPal will not remove the account from the credit agencies -- they require me to fill out a form because they insist that I clicked on "" pay with PayPal credit ''. I 'm working hard to clean up my credit to apply for a new loan


Complaint_ID: Yes
Date_received:
PayPal should not be permitted to sign its customers up automatically for PayPal Credit unless they have specifically asked for credit and filled out a credit application. In my entire adult life ( I will be XXXX this year )

Product:
 I have never been given any kind of credit unless I asked for it and filled out a credit application. How can PayPal be allowed to get away with this scam? I 've been using PayPal for years. If they 've done something to their check out process to make PayPal Credit the default


Subproduct: PayPal Holdings, Inc.
Issue: WI
Subissue: 541XX
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:
I have closed my account with PayPal and will be changing my debit card number just to avoid any future scams from PayPal."


Date_received: 05/17/2016
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 believes it acted appropriately as authorized by contract or law
Company: ERC
State: GA
ZIP_code: 307XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have been cursed and threatened by the agents with this collection agency and this has been investigated twice before and been removed from my credit report and I am tired of the harassing phone calls and annoying letters from a debt that I do not owe.


Date_received: Annual Credit Report XXXX XXXX XXXX. XXXX XXXX XXXX
Product: GA XXXX '' Because the message is so vague ( "" a condition exists '' )
Issue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subissue: Experian
Consumer_narrative: AR
Company_public_response: 727XX
State: Consent provided
ZIP_code: Web
Submitted_via: 05/11/2016
Date_sent_to_company: Closed with non-monetary relief
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Subproduct:
 I have no idea if it 's a technical problem on their end that may be resolved over time ( so try again later ) or whether the issue is with my account and I will need to do something to correct it before I will ever be able to get my free report electronically. I think this should be more clear."


Date_received: 02/17/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: ID Analytics, Inc.
State: KY
ZIP_code: 660XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 02/17/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
I applied for a XXXX XXXX XXXX XXXX Credit card and was denied. I received a letter dtd XXXX/XXXX/2016 stating the reasons for my denial was based on deliberate and egregiously inaccurate information provided by XXXX XXXX/XXXX. First they claimed by credit score was XXXX which is a complete fabrication, as my Credit score is actually XXXX from both XXXX and XXXX. Inadditon they provided Misleading information on my length of stay at my current home address, along with the fact that I had insufficient number of credit references and had limited deposits on file with XXXX XXXX XXXX. All information they deliberated fabricated was completely false, misleading, not even remotely accurate. It has cost me a significant saving on the purchase I was making at the time along with expenses of sending certified letters to the XXXX, the Credit Card agency and XXXX. As a reporting agency they failed to validate the information before denial or sending it to the bank.


Date_received: 04/18/2016
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: IN
ZIP_code: 462XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I previously have had an account with Bank of America they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Bank of America closed my account and refunded my money that was still in the account. I have tried to contact Bank of America repeatedly for assistance with this matter and have had no luck in doing so.


Date_received: 05/17/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Cohn, Goldberg & Deutsch, LLC
State: MD
ZIP_code: 210XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Did not disclose communication was an attempt to collect a debt Not enough information to verify debt i.e. amount of debt & name of creditor Did not receive notice of right to dispute assignment fraud was to the servicer assignment fraud was challenge in 2012 upon discovery they dismiss the case of fraud assignment was prepared by co-conspirator XXXX XXXX, PC, and debt collector XXXX XXXX, Na ( XXXX ) XXXX, XXXX XXXX ) without document of true fact of who the owner note, or mortgages are .lack of transparency and fraud activities


Date_received: 05/11/2016
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: MD
ZIP_code: 211XX
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:
My name is XXXX XXXX XXXX NOT XXXX XXXX XXXX. Please remove from credit report as soon as possible. This is causing problems with my reports being reported correctly.


Date_received: 05/18/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Charged fees or interest I didn't expect
Subissue: Charged fees or interest I didn't expect
Company: Big Picture Loans, LLC
State: ND
ZIP_code: 581XX
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 took a loan out in the amount of XXXX dollars i was only advised i would have to pay back XXXX, i ended up paying back XXXX dollars and now they are stating my loan pay off is in the ball park figure of XXXX dollars i was never advised of the 850 % interest


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: VA
Subissue: 221XX
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:
Since then I have called the citi call center again to inform them of their error and waive both late fees, but they are saying that they can only waive XXXX fee. This is a clear violation of an agreement reached on the first call.


Date_received: 05/03/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
State: M&T Bank Corporation
ZIP_code: NY
Submitted_via: 112XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/06/2016
Complaint_ID: Closed with non-monetary relief
Consumer_narrative:
My wife and I walked into the XXXX XXXX M & T Bank branch in XXXX XXXX, XXXX NY to close all of our M & T accounts on file ( for myself and my wife ). We clearly stated our intentions to close all accounts and move on from this bank. After a half hour or so, we had exchanged cash where applicable in order to zero out each of our XXXX accounts. The banker told us we were completely closed out. We left the branch that day under the impression all accounts were closed per our discussion with the bank rep whose name is XXXX. A few weeks later we discover my wife 's " overdraft line of credit '' was in fact left open ( against our wishes ) and was now showing a negative balance of XXXX {$60.00}. The banker only actually closed XXXX out of XXXX of our accounts ( left my wife 's "" overdraft protection '' line of credit open

Company_public_response:
 even though the checking account it was linked to was closed ). So we immediately call the branch and we 're initially told its not possible to close the line of credit without coming into the branch. My wife explained to the rep its extremely difficult for us to come to this branch as its not close to our residence. Finally the rep says she will close the account and mail us a bill for the remaining balance on the account ( telling us that they waived a late fee ). 3 weeks go by and we do n't receive anything so we call again. This time we speak with a third rep who tells my wife to mail in a check for XXXX {$30.00} which will close out the account and we 're assured the account will actually be closed this time. We leave for a one-week vacation and when we return theres a letter from M & T Bank which is dated 3 days before our previous phone call and states that there 's an overdue balance of {$1.00} which at this point is 50 days past due and that this has been reported to credit bureaus. Sure enough we check my wife 's credit report and now see XXXX delinquent account on her report. This is the first and only delinquency on her credit report and her score has already dropped by XXXX points. We 've spoken with the branch manager named XXXX who is currently researching the issue has told us he 's not exactly sure if this is the bank 's fault and can not promise a reversal of the negative reporting to the credit bureaus. We firmly believe if the first banker ( XXXX ) had simply closed the overdraft line of credit the first time we visited the branch ( as we had asked for and assumed had happened ) there would be no issue and nothing negative to report to the credit bureaus."


Date_received: 04/09/2016
Product: Credit card
Issue: Other
Company: which they did. I was told I would not be charged unless I picked-up the item
Submitted_via: which Macys reversed when I called them every month. I spent the next six months
Company_response: even though Macys told me multiple times not to pay the bill on the phone and in written emails
Timely_response: they reported me to the credit bureaus. They placed multiple XXXX
Consumer_disputed: XXXX
Consumer_narrative:
I ordered an item at Macys in XXXX XXXX using my Macys credit card of {$160.00}. I made the purchase on " pre-sale

Company_public_response:
 '' meaning I got a discount but could not pick it up until the next week. I decided to cancel the item and called the store to cancel the purchase

State:
 however my XXXX statement showed the charge. I opened a dispute via the Macys online portal and called them to let them know the charge was in error. They told me they would investigate it and it would take up to XXXX billing cycles to review and I did not need to make a payment on the card. They told me this in writing and on the phone. ( Note

ZIP_code:
 that charge was the only item on the account -- my bill is always paid in full. ) I started getting interest charges and late fees due to this disputed charge

Date_sent_to_company:
 through XXXX XXXX calling and trying to find out the status of my dispute and resolve the account. Then in XXXX

Complaint_ID:
 120 day late marks on my credit report which damaged my credit by over XXXX points. When I called and told them I was just following their written instructions


Product: they did not properly handle the dispute
Subproduct: they told me not to pay then trashed my credit
Subissue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative: Citibank
Company_public_response: MD
Company: 208XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 04/09/2016
Company_response: Closed with monetary relief
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1872020
Date_received:
I have spent hours and months trying to repair this issue which is completely Macys fault. They charged me for something I never got

Issue:
 and now they told me it is being fixed and nothing has happened. This company is negligent and has tarnished my credit because of their negligence and fraud."


Date_received: 04/21/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: CA
ZIP_code: 921XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am XXXX with XXXX ( " provider '' ) in XXXX XXXX for over 20 years .My account with this provider is XXXX balance. "" XXXX XXXX XXXX ' ( "" XXXX '' ) is a private collection agency who goes to these kind of providers and get old accounts and files into collection and report to credit agencies in quantity.In my case I have already paid the provider and this is the last bill as stated is XXXX. Regardless my multiple request with proof of payment XXXX continues to report the collection to credit agency ( "" Equifax '' ) for XXXX dollar which does not exist except they claim this is interest charges from medical bill I presumably owed to provider. There is no balance how could be interest charges.These people have violated not HIPPA act accessing my medical bills but certainly are scam and try get XXXX people and good responsible citizen scare of their credit and make them pay based on distortion of their good credit .I have attached the proof they have destroyed my credit standing and regardless of my numerous notice to Equifax has failed to justify the consumer rights to the fact which the debt is a wrongfull claim. I do not owed any to XXXX nevertheless to provider. XXXX has long record of law suits by consumers .Equifax must act and remove all of their reporting from my credit. I am available to testify at any place and any time for this abuse from XXXX and Equifax failure to remove wrongful information .this is matter of principal a lot of people getting XXXX. We have to make the credit agencies such as Equifax reporting accountable for the justification of such reporting in the first place.There are XXXX people perhaps are the victim of wrongful reporting by these credit agencies for such this must stop.This is terrible."


Date_received: 05/03/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: FC HoldCo LLC
State: MI
ZIP_code: 481XX
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 was charged a late fee of {$55.00} for a payment that was done on XXXX website. I have never been late with my loan before. The representative I spoke with in XXXX 2016 when this matter occurred reported it was the company 's fault and would handle the problem. As of today 's date ... the problem still exists. Every month XXXX report my loan late due to the late fee of {$55.00}. Every month I call XXXX XXXX and get no results. I have requested to talk with managent/supervisors with no progress.


Date_received: 05/03/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: USAA Savings
State: VA
ZIP_code: 238XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX 2015 my wife was in an a single care auto accident which cause over {$40000.00} in medical bills. USAA has failed to provide insurance as prescribed and pay for over 15 years. Their failure has negatively affected my wifes credit. Preventing us to move forward to purchase a home. We 've asked USAA to refinance a car loan to lower the rate an increase her debt to income. Even though the mistake is theirs they told us we had to wait 90 days. I 've asked repeatedly through various departments and reps for an explanation letter and have been refused. Also, USAA has doubled our insurance premium without explanation and without paying off my wifes medical bills.


Subproduct: Seterus, Inc.
Issue: FL
Subissue: 328XX
Company_public_response: Consent provided
Company: Web
State: 05/18/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Prior to this we had issues with them and claiming we did n't have flood insurance ( when we did ), and generally a horrible experience with the company on a loan with otherwise no issues.


Date_received: 05/19/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Capital One
State: FL
ZIP_code: 330XX
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 got into an accident and my car was declared totaled. After my insurance and the gap made the respective payments I was left with a balance of a little over one thousand dollars. I always had the best intentions to make the payments to the point that as soon as I was in the accident I was going to make a payment, however, I was n't able to since Capital One had already turn off my account. Then I started receiving phone calls from an auto dialer and every time I picked up was always a machine. Then I was able to find the time to make a phone call and I was close to then get to a settlement. After that I had a loss on the family and had to leave the country and also incurred into many expenses that I had n't budgeted for. When I came back I saw that Capital One had negatively reported me to the credit bureaus which caused for my FICO score to drop over XXXX points. I did not like that since I had been working on fixing my credit for the last XXXX years to purchase a house. With this drop it is nearly impossible for me to get qualified for anything. I also went ahead and got to a settlement which I paid the same day I got on the phone with someone. I find ridiculous that my credit took such a dive due to this.


Date_received: 04/25/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: PNC Bank N.A.
State: MD
ZIP_code: 208XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Attempting a short sale. The buyer is a tenant in the property. The relationship was disclosed and short sale lender refusing to process short sale claiming that it is not an arms length transaction.


Date_received: 06/28/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company disputes the facts presented in the complaint
Company: Nationwide Debt Management Solutions, LLC
State: CA
ZIP_code: 917XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
These people continually call and harass me about a usury interest rate account that has a illegal usury interest rate.that was paid. # XXXX phone # XXXX I am XXXX XXXX XXXX and these people should also be charged with elder abuse. Please help me.


Date_received: 05/08/2016
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Company_public_response: gave him a case # : XXXX and said to ask for XXXX XXXX . Since it was n't a good time
Date_sent_to_company: I am equally responsible. Now
Company_response: my husband never had a Bank of America credit card in XX/XX/XXXX under his name. I
Timely_response: however
Complaint_ID: I know that for a fact ). I told him all the information is inaccurate. He got agitated
Consumer_narrative:
- On Saturday XXXX/XXXX/XXXX My husband got a call on his cell phone. A " courier '' called from a private # and told him that an attorney firm has been trying to serve him twice at our current address & a previous address. He told my husband to call ( XXXX ) XXXX

Company:
 my husband did not call. The courier called another 2 times. I picked up the phone the 3rd time. He asked me if I was his spouse. I said I was his spouse. He said that I was able to call since I was his legal spouse and that the call was extremely urgent. I asked him if he was forcing us to call. He said "" No ''

State:
 but XXXX XXXX was waiting for My husband or his spouse ( me ). I called ( XXXX ) XXXX five days later on XXXX/XXXX/XXXX

ZIP_code:
 gave my case # XXXX and they put me through to XXXX XXXX prior to speaking with XXXX XXXX the receptionist told me he was a collections agent in the litigation dept ). - XXXX XXXX told me that he is an attorney and this call was regarding a Bank of America credit card opened in XX/XX/XXXX

Submitted_via:
 closed in XX/XX/XXXX & the Statute of limitations is XXXX/XXXX/XXXX. The card was in my husbands name and the balance is {$9700.00}. He also told me I had XXXX day to pay this amount and since I am XXXX 's spouse and we live in the State of XXXX

Consumer_disputed:
 had one but the card numbers XXXX gave me did not match at all. I told XXXX the state of XXXX does not make a spouse pay for a credit card that belongs to his or her spouse and we were not married in XX/XX/XXXX. He yelled at me and told me to Google it. ( It 's just not true


Date_received: 04/26/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Company_public_response: for example
Company: looking at my statements for next month
State: looking at XXXX different web pages on the Navient site gives me XXXX different payments
Timely_response: 2016 ''. Well
Consumer_narrative:
Hello, I XXXX my college XX/XX/XXXX, and during my four years my loan service provider was Navient. I began my repayments after my grace period ( XXXX, 2016 ). Since that time, I have received mixed data for how much my monthly payments are to the point I believe it is actually illegal ( I ca n't find federal regulations on this, but, a loan provider should tell its customers how much they are being charged before actually pulling the money, right? That just seems like common sense ... ). Browsing through my loan account summaries and payment options, I get varying values of monthly costs, and the variance is HUGE, we 're not talking pennies. Depending on the web page I view ( I have screenshots, but am wary about sharing them online to the public ) my " current payment due '' ranges by over {$100.00}. So

ZIP_code:
 which range from under {$200.00} to over {$300.00}. I even receive email notifications from Navient that I assume are treated as invoices. Out of the XXXX emails I have received so far ( XX/XX/XXXX-XX/XX/XXXX )

Submitted_via:
 only XXXX of those invoices has actually reflected the amount of money withdrawn from my account at the end of the month automatically. There 's no consistency

Date_sent_to_company:
 and I 'm left worrying if my loan provider will leave me overdrawn on my payment date each month. I contacted them directly about the issue ( after my bank account was drafted more than their email said I would be in XX/XX/XXXX ). Their response : "" Unfortunately

Company_response:
 we were unable to re-create the information you viewed online when you logged in to your account on XXXX XXXX

Consumer_disputed:
 I can recreate the issue. I can recreate it every single time I log into my account! I also have bank records and emails to validate that Navient has made it difficult for me to understand exactly how much will be pulled from my account each month by large amounts of money. It 's not honest or fair

Complaint_ID:
 and I very much doubt it 's legal. Has anyone else experienced similar issues? Here are the XXXX places that I can currently view different amounts I "" owe '' or will be charged as "" auto payments '' on my account. There is no indication anywhere which of these values will be deducted from my bank account each month


Date_received: 2. After logging in
Subproduct: which appears to be hosted by Navient. Here
Product:
 if I click the "" go to previous website '' link under "" More Options Online '' I am redirected to XXXX

Complaint_ID:
 and I very much doubt it 's legal. Has anyone else experienced similar issues? Here are the XXXX places that I can currently view different amounts I "" owe '' or will be charged as "" auto payments '' on my account. There is no indication anywhere which of these values will be deducted from my bank account each month


Date_received: 05/11/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: on XXXX XXXX. On XXXX XXXX
State: I again tried to retrieve my report using the web form
ZIP_code: and received the same error. ( I can not recall ever
Submitted_via: since the first launch of the free annual credit report site
Timely_response: but I allowed 3 weeks as suggested by the CFPB site. At this point I am going to try again
Complaint_ID: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative:
On XXXX XXXX, I requested my free credit report from Experian using their webform, and received the following error : " We 're sorry '' / "" A condition exists that prevents Experian from being able to accept your request at this time. '' / "" To obtain your Experian annual credit report

Company_public_response:
 please mail your request to the address below using the Annual Credit Report Request form. '' I mailed a request the same day

Date_sent_to_company:
 successfully retrieving a report from Experian online. ) It has now been more than three weeks since I mailed the paper form

Company_response:
 and no paper credit report seems forthcoming either. I understand that Experian is required to comply with my request within 15 days

Consumer_disputed:
 sending the form by Certified Mail. I do not feel that I should have to go to such lengths to obtain what the law says Experian must provide me."


Date_received: 05/15/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Account terms and changes
Company: Equifax
State: LA
ZIP_code: 712XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I contacted your about Equifa/ removing XXXX points from my credit report also I recently contacted Equifax also and they said that it could have been a number of things which caused the decrease. I today looked at my Equifax report and saw that they have removed all of my credit cards from my Equifax file. My XXXX, XXXX XXXX XXXX credit cards, and my XXXX card is no longer reporting on my Equifax file. I spoke with these creditors and they said they are still reporting and this mistake belongs to Equifax. This is true because my other credit files are reporting these accounts. This is wrong and they should n't be allowed to wrong the consumer at their discretion.


Date_received: 04/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/05/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX- collection agency is reporting a collection to my credit report with a date of XX/XX/XXXX on XXXX , no date on XXXX and XXXX on Experian for an amount of $ XXXX. This original account charged off 7+ years ago. I demand they remove this debt from my credit report and stop attempt to collect on it.


Date_received: 05/14/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Company: Blitt and Gaines, P.C.
State: IL
ZIP_code: 609XX
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 failed to appear in court for a credit card debt in 2009 and there is now a judgement against me. I was unemployed for 5 years and was unable to pay the debt. There is now a lein on my bank accounts and i can not access my funds.


Date_received: 04/11/2016
Product: Credit card
Issue: APR or interest rate
Company: Capital One
State: NJ
ZIP_code: 070XX
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 used this credit card with no problem before. I had a dispute still no resolved with them. Then it went into collection. Then A law firm is NOW involved with it, Please help me resolve this issue.


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: Experian
State: IL
ZIP_code: 604XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have sent Numerous notices to Experian to delete the inaccurate accounts they could n't verify or Validate to me. This is an Agreement for validation made pursuant to the Fair Debt Collection Practices Act Section ( 15 U.S.C.A. Section 1681 & 1692 et. Seq. ) These accounts are not mine & need to be delete from my credit report


Date_received: 04/26/2016
Product: Debt collection
Subproduct: Medical
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: Med-1 Solutions, LLC
State: IN
ZIP_code: 462XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
Med-1 Solutions, LLC was awarded judgment of {$3700.00}, by the XXXX XXXX Small Claims Court, State of Indiana, XXXX County. I had agreed and made {$1900.00} in payments toward this debt. However Med-1 Solutions, LLC filed and represented to the Court that no payments had been made and I still owed the entire amount. Due to this the Court granted them an income withholding order that has taken an additional {$800.00}, directly from my paycheck, as of XXXX/XXXX/16. I believe Med-1 Solutions, LLC violated 807 of the Fair Debt Collections Act, by alleging to this court that the entire amount of {$3700.00}, was still owed and represented to this Court that I had not made any payments. I tried contacting the creditor and asked that the update the Court with my true debt balance and they informed that they do not notify the Court of payment history and would not send anything in until they have a XXXX balance. This is a great hardship to me because the incoming withholding takes over {$400.00} dollars per paycheck. Therefore they have taken over {$1200.00} within the month of XXXX 2016 that has drastically crippled the debtor who had been paying {$200.00} per month.


Subproduct: Nissan Motor Acceptance Corporation
Issue: FL
Subissue: 330XX
Company_public_response: Consent provided
Company: Web
State: 03/24/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: No
Date_received:
I also want to be paid back all the money i over paid in tax on this loan. I never owed them money. they owe me money. Also this debt is out side of the statue of limitations nissan keeps lying about the dates to keep the debt on my report. That is very wrong and illegal.


Date_received: 05/04/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: as evidenced by an associate 's handwritten note in the margin of my bank statement
State: I visited a branch to learn that the replacement check had cleared
Company_response: who
Consumer_disputed: suggested we simply close the account
Consumer_narrative:
My wife deposited a {$750.00} paycheck into our Wells Fargo checking account on XXXX XXXX, which unfortunately bounced. It 's an oversight on the behalf of an employer in verified good standing with his bank, and understandable. The initial check was cancelled. A new replacement check was issued by the employer to my wife for {$800.00} dollars, the initial amount plus overdraft fees from the previous check. This replacement was subsequently deposited on XXXX XXXX. Wells Fargo evidently expected this second check to bounce, as our bank account was frozen almost immediately after this replacement check was deposited. Wells Fargo opted to let me XXXX this in the checkout line at the grocery store by having my debit card declined on XXXX XXXX. My wife and I visited a Wells Fargo branch on XXXX XXXX, and learned from an associate that our account is not only scheduled to be closed, but also the balance of {$180.00} in the account would be withheld until we provide a statement from our employer 's bank verifying all elements of the transaction, and certifying that this check has been paid. The employer 's bank expressed puzzlement at Wells Fargo 's action in this case, but was happy to furnish the requested documentation directly to Wells Fargo, which was performed immediately. Wells Fargo did not attempt to contact me after this was done, or at all regarding any detail of these events. I allege that this lack of communication is unreasonable. Also, Wells Fargo 's apparent failure to independently verify the validity of this check after already having taken payment on it is dubious at best, as the timeline of events will show. Instead, having me perform this step. The validity and financial backing of the " unexpectedly '' cleared replacement check for which our account is now being closed was never in question. Wells Fargo sought however to question it absolutely

Company:
 provided to me on my visit to a branch on XXXX XXXX. Referencing the replacement check with a certainty that it "" will be returned for insufficient funds ''. Today on XXXX XXXX

ZIP_code:
 but Wells Fargo still had no choice but to terminate our account with no explanation. While our current checking account with Wells Fargo is less than six months old

Submitted_via:
 our relationship with the company as our only checking account provider spans many years of good standing

Date_sent_to_company:
 and satisfactory account behavior. We had the misfortune to heed the advice of a Wells Fargo banker

Timely_response:
 when we asked how to prevent a cancelled gym membership to continue to bill our account automatically every month

Complaint_ID:
 and open a new account. Had I known that this action would reset our years of good standing with Wells Fargo


Date_received: 05/03/2016
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 believes it acted appropriately as authorized by contract or law
Company: Arnold Scott Harris, P.C.
State: OK
ZIP_code: 735XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
charging me several debts that were and are fraudulent. Was reassured that I would n't have to worry about it because I had sent all documentation proving that I was n't the person that had done this. I have a letter from the state of XXXX signed by a judge that I was clear of all debt that this company harassed me about and put it into collections on my credit files. After a lot of work paying for copies of documents and copies of my drivers license plus many other forms including birth certificate I was declared the real XXXX XXXX XXXX and the person who had done this was a criminal and had committed fraud. After much defense and money spent on giving them what was asked of me to prove it was n't me they told me I had nothing to worry about and that it would be removed from my credit files so it would n't affect my credit scores. Well they lied and it was never token off of my credit scores and shows I owe a XXXX a total of {$800.00}. I have no clue who this man is or who the company is because I have never been to XXXX. Just recently I seen XXXX XXXX XXXX County Circuit Court. XXXX is a collection of {$75.00}, another {$510.00}, another for {$75.00} and a last one for {$140.00}. I spoke to the company which I was told it was a law firm court appointed or something like that and that I needed to pay because he had represented me. I do n't know this place nor this man or his firm company etc. Born and raised in XXXX my entire life except for past 10 years I have lived in XXXX and that 's it. I was lied to because they told me that I had nothing to worry about and that it would be taken off my credit report. After I sent all the info needed to prove I was the real XXXX XXXX and that the person who had committed the fraud was a criminal. I have a letter sent to me by a judge that clears me of everything with instructions to carry it in my vehicle in case I would get pulled over and this came up. I would have the proof that it was not me and I would be free to go, Well it so happens that this firm, company or whatever it is lied to me because it 's on my credit report under collections. In the beginning of all this I could n't even get my drivers license and it took 3 whole months. I could n't get a loan and my credit scores were drastically low because of this. Well here we are once again with the XXXX XXXX XXXX in my credit file collections hindering me from getting any loans. I have suffered a lot with this and this company has lied terribly when I sent all they asked for. Paying for copies of documentations, copies of license, birth certificate etc abd on top of that paying for faxes to to get it to them asap. Till this day they never took off the collections and only say closed but shows I owe him XXXX sets or counts of money when it 's not true. I want them to take it off because it was not me and they are well aware of that, I have suffered emotionally, financially and very depressed with lots of anxiety through all this and here we are with same routine. This time I have doctors that will help testify on how this 's taking a tow on me because I already suffer from XXXX XXXX XXXX and this is making worst. I have the letter from judge that was sent from XXXX. Because of all the collections from this one company making it almost impossible to get a loan of any when it 's wrong and unjust because I owe this company nothing.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: CA
Subissue: 923XX
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 was able to determine that my accounts are active, but I am not able to access my accounts online.


Date_received: 05/13/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: American Financing Corporation
State: NC
ZIP_code: 286XX
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:
My husband and I looked at American financial for a fha home loan. During the initial process the numbers they quoted us was not what they presented to get us to sign but they had greatly padded the loan and all number were much higher. We went with another lender and informed American financial. The second problem came when they drug their feet on transfer of the fha case number to our new lender and after all this they emailed us a bill for {$500.00} for the appraisal when we paid for our appraisal with our current lender. We never signed a letter of intent with American financial and yet they billed us anyway. We did not sign anybody the documents they tried to get us to sign. when we complained to them and told them we were not paying them any money they told both my husband and I different stories of what happened saying it was an automatic process that the appraisal fee was generated because it is attached to the the case number but we took our business to another lender and they had no right to bill is for work our lender is doing. We contacted them repeatedly telling them that we never signed a letter of intent and they knew we had chosen another lender. Why are they monitoring our loan with another lender and trying to bill for work our lender is doing and that we have already paid for.?


Date_received: 05/03/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: KY
ZIP_code: 420XX
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 am a XXXX XXXX XXXX at the XXXX XXXX University and I have a XXXX year old son whom i am trying to raise on my own ... My Son and I only source of income are student grants when allowed and the rest is from student loans which is used as my only source of income My tuition and books are taken out of the loan then i use the remaining money about XXXX dollars gas going back and forth to XXXX XXXX which is XXXX miles round trip 5 days a week and I pay my rent which is XXXX a month and daycare. which i pay XXXX every other week. ( My x-wife pays XXXX dollars the other weeks ) I depend on this and as only source of income.. My son and I do get food stamps for groceries and even with that, life is tough when trying to make ends meet ... My problem is with US Bank located in XXXX Ky I will make this as brief as possible will give more information later. if needed, 4 yrs ago XXXX XXXX i had a US bank account in XXXX Ky. I was having a difficult time and I had XXXX of insufficient funds. I was aware of it, I had informed the Bank as soon as I got my student loans that I would pay the bank back.. In the mean time i had relocated to XXXX Ky XXXX miles away and opened up another account at US Bank in XXXX So In XXXX XXXX I went to the bank in XXXX Ky to pay my debit to the bank ... Only to my surprise I was told by the bank that the account had been closed and I was not able to pay it.. It had been turned over the the Credit Bureau. and the books had been closed on the account. little did i know that they were adding fees the whole time!!. I did ask where I could go to get this paid.. I was told by US Bank that I would be billed for it at later date. I never receive a bill nor did i pursue it The bank had my correct address and my correct phone number ... and my e mail address And figure they would get in touch with me ... .. I never received a notice. phone call or a email, ABSOLUTELY NOTHING requesting a payment, I did enquirer to the US bank in XXXX how I could make a payment and they were not SURE and informed to let them contact me ... SO XX/XX/XXXX I again received my student loans and my refund from my income taxes. On XXXX XXXX, XXXX US bank, out of no where took out XXXX out of my checking account, later that week i received a letter from the US bank loss prevention team and informed me ( after the money was withdrawn ) that they were taking the money. I did contact them and I was told that I owed the money and nothing they would do but they kept adding fees which ended up XXXX dollar. Never once did they try to contact me or try to resolve this situation by allowing me to make payments. they ... I had XXXX in my checking account. US Bank withdraw from my account XXXX which leaves me XXXX Daycare of XXXX must be paid Friday and that leaves me of XXXX for gas .. i am completely out of money I have went to the bank in XXXX XXXX with president XXXX XXXX then to XXXX spoke with XXXX XXXX which have told me nothing else can be done, books has been closed .. I have offered to please allow me to make payments or ask is there anything they can do to work with me through this.. both said there in nothing that could be done.. XXXX XXXX did say she would type a customer complaint form but didnt think it would do any good.. Their side was that I should have pursued this situation even though i did try to pay this. XXXX XXXX said i should have persisted and keep coming to the bank till i found the way to pay.. believe me when i owe money any company always find a way to find me and not play hide and seek with me ... I know i did wrong by bouncing checks 3 yrs ago and i have learned a valuable lesson but now it is not just me.. I have a XXXX yr old who depends on me. u r my only hope Thank You


Date_received: 05/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: CA
ZIP_code: 920XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX previously reported that I had a medical charge for service in XXXX placed into collection. I challenged this record and I received notification that the XXXX XXXX in XXXX, WA erased that erroneous collection record from my credit report. Now Equifax has a record of a XXXX medical account in my name listed as in collection. I previously investigated and discovered the charge was from XXXX WA. I have not lived nor received medical services from anyone/entity in XXXX since XXXX. The record was supposed to have corrected and I just discovered that it still exists in error on my credit report. This has not been erased from my record and is very upsetting to me as I have never had any account turned over to a collection agency.


Date_received: 05/17/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
State: but i wanted the overdraft fees reversed before I used my account again )
ZIP_code: my insurance company never responded to my calls
Submitted_via: and tried twice to take fees out
Complaint_ID: Yes
Consumer_narrative:
XXXX automatic payment spiraled my account into an overdraft frenzy, simply because there was insufficient funds for a {$10.00} transaction. I made an attempt mid XXXX to fix the situation, and Wells Fargo said they would not reverse the fees, and I refused to settle. One week later, I had an overdraft fee from a XXXX transaction that should have been covered by my paypal balance, because Wells Fargo said " those transactions process by XXXX XXXX ''

Company_public_response:
 not explaining that XXXX will send that transaction immediately to Wells Fargo if i had insufficient funds in my XXXX account. In addition to all that came before this

Company:
 I contacted my Insurance company to try to pay for my bill another way when I knew the account was overdrawn ( because it was coming direct from my account


Date_received: To prevent more from incurring
Product: I have since put a stop payment on all my automatic-bill transactions
Issue: but was ignored so I could n't pay for it in time
Consumer_narrative: aside from the one that started this whole mess
Company_public_response: to be waived
State: when all I had to do was give the bank what I actually owe them
Submitted_via: like a credit union or online bank. Please help me
Date_sent_to_company: this is absurd how much they want me to pay right now."
Company_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Timely_response: Wells Fargo & Company
Consumer_disputed: PA
Complaint_ID: 191XX
Subproduct:
 filed a dispute with Wells Fargo about how I attempted to change my payment method with my Insurance Company

Subissue:
 and contacted all the companies I have automatic payments with to freeze/hold all automatic-bill transactions until further notice. I have filed disputes for XXXX and for XXXX XXXX company. I really would like all the overdraft fees

Company:
 and for me to get my finances back on track. I have so many things i need to do and I ca n't even open a bank account anywhere else until this is settled. It 's very upsetting how much work I have to do to repair this account

ZIP_code:
 which is {$31.00} ( XXXX transactions ) and XXXX {$35.00} overdraft fee. I just want to close my account and find an alternative


Date_received: 05/04/2016
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: BMO Harris
State: WI
ZIP_code: 545XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
BMO Harris Bank in Wisconsin called me today. The collections dept representative claimed that the mortgage was overdue by 3 months. This issues has been previously resolved twice. The account was set on auto payment. It is a variable rate. The payment increased by {$1.00} and the auto payment failed to make the adjusted monthly amount. The system they use then automatically claims the account has not been paid. The technical errors were corrected. Then it happened again, the apparently do a system restore and all the past problems are brought back. I received a call today stating the account was overdue etc. It is not overdue. The account has been paid in full each month. This bank does not pay a living wage and they can not find technology specialists who would work for them. Then bank has widely been reported to have paid XXXX dollars in fines already for criminal behaviors with customer accounts. Outside professional peer review of their failure to perform customer services summarizes this complaint. This mortgage was a predatory lending exploitation and we are considering hiring a major law firm which can run TV ads and invite others who were exploited by predatory loans to come join a class action suit. Fines seem to have no effect on the business practices of this financial institution.


Subproduct: MoneyGram
Issue: VA
Subissue: 245XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/02/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
He called me, the worker refused to talk to me. He gave me a telephone number they supplied so that I could see what the problem was. I called the number and was put on hold for 25 min. I only managed to talk to someone by calling back and insisting that they help me. After he repeated his name several times I could not understand what he was saying due to a non-English accent. I told him what my problem was and he said I had to give him information to insure him that I was who I said. He proceeded to ask the following questions : my reference number ; my address ( was on the form for the transfer ) ; a major highway near where I live ; the name of the receiver ( which was on the transfer form ) ; his age ; his relationship to me ; what the money was to be used for ; what he did for a living ; what town he was picking the money up in ( the contract said he could get it anywhere in the state that served MoneyGram ; questioned my telephone number. This money had to be received and deposited in the receivers bank by a XXXX deadline, which I explained to him. By the time it was finally released for pick-up it was within minutes of XXXX, so he did n't get it in time to get to the bank by their deadline. As a result the bank is telling him his account is closed and can not be reopened due to overdraft in which he had the XXXX deadline that he did n't make on time.The money should have been there and been picked up by no later that XXXX XXXX.


Complaint_ID: Yes
Date_received:
XXXX stated they could send an " update '' asking the credit reporting agencies to check the agencies ' own records to see if they were reporting the date of last payment correct. I advised that would not accomplish anything


Product: and they refused to do so
Complaint_ID: Yes
Date_received:
I asked if Chase could check their own records to see what date of last payment they had in their own statement records of the account


Date_received: I also spoke with XXXX
Product: supervisor
Subproduct: Chase XXXX XXXX XXXX
Consumer_narrative: JPMorgan Chase & Co.
Company_public_response: OR
Company: 972XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/03/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1907845
Issue:
 who reiterated the same information that XXXX had stated. The connection was very bad and he stated he could not hear me. I advised I would file this complaint."


Date_received: 03/25/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Kirschenbaum & Phillips P.C
State: AZ
ZIP_code: 850XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A judgement was placed on my checking account without knowledge as to who the creditor is, the amount of the debt and no summons was received by me. My account contains child support and social security income which legally can not be restricted. When I called the law firm my bank provided, they refused to give me any information as to who they are unless I provided my social security number. I declined, as I was unaware of whom I was speaking to. The point of contact at the lawfirm aggressively told me she would not provide me with any information and that my account would stay frozen.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Company: Discover
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I get a judgement on my credit report filed by Discover Bank that I was not notified of. I request this illegal action to be removed from all my credit bureaus in a 5 days turn around. I completely disagreed with the method Discover used to put a judgement against me without any notification.


Date_received: 04/11/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: A/R CONCEPTS, INC.
State: IL
ZIP_code: 601XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The dentist billed me for an initial visit {$270.00} which I paid in full at the time of services rendered, then billed my insurance company - the ins. co. pd the dentist for the same date/procedure {$100.00}. The dentist did not refund the ins. pmt to me. Later I had additional work done by the dentist totalling {$1600.00} ( {$520.00} of which the dentist had agreed to write off - yet they billed my ins co for that work ). I paid {$800.00} & my ins co pd the original {$100.00} ( not refunded to me from the original visit ) plus an additional {$420.00}. By all accounts this bill is paid in full.


Date_received: 05/05/2016
Product: Credit card
Issue: Transaction issue
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: 930XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I called in XXXX/XXXX/16 and settled my account for {$450.00} I was told fees would be adjusted within 48 hours and I would have zero balance. I even said in my payment authorization that I only approve payment with XXXX balance she confirmed and took payment I have the recording as well. They then left fees continue to charge interest and report my credit. To this day its on my credit. I want this removed from my credit entirely or I will sure for inaccurate credit reporting and damages. My account was paid and settled I want it closed like promised and removed from my credit immediately.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: CA
Subissue: 934XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
During the most recent instance, Wells Fargo Bank has charged XXXX overdraft fees of {$35.00} each for a total of {$70.00}. These fees were not for debit card transactions, but rather for transfers within my own account.


Product: 2016. I have not received any documents."
Issue: Nelnet
Subissue: OH
Consumer_narrative: 454XX
Company: Consent provided
State: Web
ZIP_code: 05/06/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
On XXXX XXXX, I received an email ( ref. CID : XXXX ) from XXXX that stated " We have received your request for documents and forwarded them to the correct department for review. These documents will be emailed to the address that we have on file in 1-2 business days. '' It is now XXXX XXXX


Date_received: 05/02/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company: Bayside Capital Services, LLC
State: WI
ZIP_code: 544XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
Received threatening phone calls on a debt they say I owe from another company. I have not received any notice of this debt via mail but they did email me something which I believe is a scam.


Date_received: 05/04/2016
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: TCF National Bank
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Hello im currently an account holder for TCF BANK. ON FRIDAY XXXX XXXX 2016 I WENT TO AN ATM MACHINE TO WITHDRAWA FUNDS FROM MY ACCOUNT BY THE FUNDS NEVER CAME OUT OF THE ATM BUT FUNDS WERE TOOKEN FROM MY ACCOUNT AND ON TOP OF THAT TCF BANK HIT ME WITH AN OVERDRAFT FEE OF XXXX DOLLARS. I CLEARLY HAVE TOLD TCF BANK SEVERAL TIMES THAT I NEED MY MONEY BACK BECAUSE THATS MY RENT MONEY. AND EVERYDAY THAT I AM LATE ON MY RENT IM GETTING CHARGED XXXX DOLLARS A DAY. I was assured on XXXX XXXX 2016 that my funds will be back into my account on XXXX XXXX 2016 by XXXX. I have called tcf bank several times to ask them why have n't they put my provisional credit back into my account and all they are saying that its not their fault that i went to another atm thats not dmtheirs. And that i have to wait 10 business days before i get an answer. Thats not fair to me or any other card holders. I want to file a class action lawsuit against tcf bank. My rent have never been late up until this has happened. Please help because something has to be done with tcf bank. And they need to pay these late charges and fees plus give me back my money. And that 's all i want them to do. They could have simply avoided any lawsuits but they have choosen not to do the right thing. At this point im looking for lawyers to assist me in this matter on filing a class action lawsuit against this bank. Im closing down my checking and savings account. And after this is over i want nothing else to do with tcf bank ever again in life.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Freedom Mortgage
Issue: TX
Subissue: 770XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Companies buy and sell mortgages without thinking how it will affect the homeowner. I should not be penalized. I did call when I received the letter. This situation is just wrong.


Date_received: 04/28/2016
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: Ditech Financial LLC
State: CO
ZIP_code: 815XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Reached out to Ditech for help and was on a 3 mo trial period which was all good We were getting an in house mod from them, until they stated they never received last payment in XXXX. Which was funny to us because we called about making that payment later in month due to unemployment check being received and was told it was okay. After mailing it we were called out of town for family emergency upon returning is when we learned via mail that foreclosure was again started due to XXXX payment not being received & gt ; I immediately called to see what was going on and called our bank to see if it was cashed. It had not been so I asked if I could then make payment to them this was approx. XXXX XXXX told them I would make both payments at that time XXXX & XXXX Was told that since we broke agreement they would not except either payment. all this coming from someone other than our point of contact she was never available. I explain the circumstance and that we were out of state and was not a where till now. Still no, we would have to start over with a new packet and info. Was told which packet to send in off their site and address as to where to send. So after doing our taxes we resubmitted all require papers and waited. this was in XXXX. I called and let them know they were on the way and to please let our point of contact know this. after weeks of waiting and no calls from them Started calling in XXXX all calls were sent straight to point of contact voicemail and left messages for her to call ( XXXX ). Have never received a call back never received anything about not receiving packet to save our home so was thinking all was okay and not to worried. Still continued to call but got no where. As of Monday XXXX XXXX found out our home is on XXXX for sale and the sale date is set for XXXX XXXX. So we call hope for emergency help. As with us they could not get ahold of XXXX for answers we did talk ith a rep who could not and would not help us and hung up on XXXX at XXXX with me on the line. Tried calling legal services for help XXXX gave me # but to no avail just a machine stating few lawyers to help. Call a bankruptcy attorney to see what could be done and contacted XXXX XXXX our mortgage holder for help. The next day I again called XXXX only to be told our4 months was up and to send in another packet would be of no help since it takes up to 10 to review that all we can do now it cure to keep home. That they could not stop the sale and give us time to be reviewed again. She did after stating yes I wanted a cure amount put in an urgent request for us with lawyer. She called the next day and said all I had to do was to call them for amount and gave me their # and a # I needed to get it. It took over an hour to get ahold of them and when I did was told they would not give it to us without proving we had funds to cure. Told them that is not what Ditech stated and we would n't know how much we needed until we knew the total needed. I also spoke with XXXX XXXX a XXXX that took our info and whats happening and escalated our case within their department. Hoping they can do something. All we want is our home saved and a chance to not be ignored and helped. If Ditech had done their job we would not be here. I also found out the new packet we sent was the wrong packet we were told to send by XXXX our point of contact. So no phone call about not receiving XXXX payment, no call about not receiving packet or receiving wrong packet. No availability from our point of contact or returned calls after leaving messages. And no way to speak with anyone else via phone system that takes your info and sends you straight to voicemail. Tried all available # 's for Ditech. This is a scam, their Lawyer is hendering us saving our home and the public trustee stated by law they have 10 days before they have to give you a cure by then to late to save home.


Complaint_ID: Yes
Date_received:
I walked into the XXXX branch # XXXX to withdrawal {$1000.00} to deposit into a XXXX account. After I withdrawal the money, the Banker named XXXX XXXX said, " you can make the external transfer here

Product:
 you don`t need to go to XXXX. '' I then remembered I had already set up an external deposit for this account a while back


Complaint_ID: Yes
Date_received:
He started the process of transferring {$1000.00} from account # XXXX move it to a checking at XXXX # XXXX on XXXX/XXXX/16. The XXXX


Product: after along hold the associate told us the deposit transfer would take 2 days not 24hrs
Complaint_ID: Yes
Date_received:
I called the branch talked to XXXX XXXX he was helpful and concerned. He called the processing center at chase and stayed on the phone with me


Product: XXXX XXXX
Complaint_ID: Yes
Date_received:
My intention coming into the bank was to withdraw the money to walk it in to XXXX so it would appear the next day so checks could go through. I was offered a different approach to my usual deposit from XXXX XXXX. The money never made it on Wednesday which would have been 2 days. I`m dissapointed with the manager


Date_received: The manager
Product: XXXX proceeded to check on the situation
Subproduct: putting me on a long hold
Complaint_ID: Yes
Issue:
 on his end he said he was calling the processing center. I asked him where and who he had talked to

Subissue:
 he gave me a name of XXXX XXXX said they were in XXXX. I made the comment "" Oh Great '' He called me a XXXX!!! for making that comment. I was referring to time frame being out of the country. I`m certainly not a XXXX

Consumer_narrative:
 I don`t appreciate being called one. I`m very upset with Chase having a manager who acts out at a customer like that


Date_received: If he was standing by listening to my conversation with the Banker
Complaint_ID: Yes
Product:
 he should have mentioned an external transfer is not 24hrs or XXXX XXXX ... it could take up to 3-4 days


Date_received: 05/12/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: interest
Complaint_ID: Yes
Consumer_narrative:
In XX/XX/XXXX my credit card was stolen. There were approximately {$2000.00} in fraudulent charges. I notified my cardholder, Synchrony Bank, who informed me that I have fraud protection and that I am not held liable for any fraudulent transactions made. They will not remove the transactions from my account and still require me to make an outrageous monthly payment because they still have not finished " investigating '' it

Company_public_response:
 even though it is now XX/XX/XXXX. I have paid in full all valid transactions made on my credit card. The balance due is now 100 % fraudulent transactions. So I do not feel it is right or fair to hold me liable for this balance

State:
 and monthly payment. Every representative I have spoken to has been extremely unhelpful. They have lied to me


Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Synchrony Financial
Subissue: CT
Consumer_narrative: 061XX
Company: Consent provided
State: Web
ZIP_code: 05/12/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
On XX/XX/XXXX I received a letter stating my claim had been approved and everything was credited back to my account. It has not been

Product:
 so I contacted the bank and they were unsure as to why I would have received that letter and they could not help me."


Subproduct: Platinum Holdings Group, LLC
Issue: LA
Subissue: 705XX
Company_public_response: Consent provided
Company: Web
State: 03/25/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
The company PR Associates phone number is XXXX. This number usually changes suffixes to bounce around harassing calls as a deceptive way of not being discovered for these unlawful practices of soliciting money from consumers.


Date_received: 04/22/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: HSBC North America Holdings Inc.
State: VA
ZIP_code: 232XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
After a year and a half working with HSBC mortgage on a loan modification, I was told that my modification was denied due to insufficient income. I filed an appeal and was denied a second time. In speaking to one of the representatives, I was told that my expenses exceeded over {$7000.00} per month which is incorrect. I was also advised by my counselor that my interest rate increased in XXXX 2016 from 3.25 % to 4.25 %. I was never notified of an interest rate change. During the modification process HSBC refuse to take my mortgage payments and now I am over {$25000.00} behind and facing foreclosure. This is my second time filing a complain, my first case was closed without any resolve.


Date_received: 05/05/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: JPMorgan Chase & Co.
State: NY
ZIP_code: 104XX
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 disputed a claim with chase. They did not properly verify the information and when it explained again with them viewing documentation they still denied the claim. My facts were based on a written contract that they were provided and I was told it is not there job to look at all the details. I dealt with XXXX from the disputes department. I will be reforwarding all the information again and this time I clearly have to circle the facts I was stating because chase did not properly investigate.


Date_received: 04/18/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: we 've sat and watched my fathers state of mine and financial future damaged beyond repair
Company: we lost my mother XX/XX/2015
ZIP_code: had over XXXX showings and the home continues to deteriorate
Submitted_via: no phone calls to me personally have been returned
Complaint_ID: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative:
XX/XX/2015 My father after 10+ years of perfect payments to Bank Of America got the devastating news my mother would have to be put in XXXX because her XXXX XXXX was progressing quickly. My Fathers XXXX could no longer maintain or afford their dream home any longer. Being a man of integrity, he contacted them immediately and told them they could no longer afford the home and my mother could no longer navigate the stairs. I am a realtor, I immediately got the POA 's that were necessary and started trying to assist BOA in the process of a " short sale '' as to keep them form losing any more money and to respectfully release my father from the incredible stress. This was the plan of action we chose. Since that date we have now spoken to XXXX individuals

State:
 we received an incredible short sale offer on the home that was not even submitted until 2 months later

Date_sent_to_company:
 Bank Of America has not represented the company in a professional manner nor have they shown compassion or tried to rectify the matter on a timely basis

Company_response:
 we are in the XXXX month of dealing with a process that has taken less than 90 days with other banking institutions and we just got turned over to XXXX new contacts that have yet to perform any better. BOA has caused unnecessary stress on my father

Timely_response:
 my realtor and shown poor care for their own company. If they are doing to my father at the age of XXXX

Consumer_disputed:
 they are doing it to XXXX others. It is a travesty no one should have to deal with especially when the seller has made every attempt to do the "" right '' thing even though my mothers illness and passing caused the extreme challenge. Shame on BOA and their leadership. They have cost their company probably XXXX dollars because of their antiquated systems and poor judgement. This is in my opinion fraud."


Date_received: 05/09/2016
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: Synchrony Financial
State: CA
ZIP_code: 902XX
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:
Chevron is reporting me on the credit bureaus as past due 90 days. This is incorrect, I was never late with my payments.


Date_received: 05/19/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: LJ Ross Associates
State: MD
ZIP_code: 212XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The final bill for XXXX was paid directly to them, not a collect agency yet they continue to report to the credit bureaus as if I did. My final bill never reached me since I moved once my mail was routed properly, I was able to pay the bill as soon as I received it. The collection never even contacted me to begin with, they just showed up on my reports. That is not what the law states and they are breaking it.


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: EOS Holdings, Inc.
State: WA
ZIP_code: 993XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This debt was obtained in a different county that i have never live in. I never had service with XXXX ( original creditor ) in 2012, which is when the service was disconnected as i was told by EOS CCA. I have never seen a bill for this debt ever! I only know about this debt because i had my credit checked to get a credit card through my bank. It is completely shocking to me that this EOS CCA can still say i owe this debt without even proving how i owe the debt. I was sent by EOS CCA saying they verified that it is my debt but never sent any information to back up their allegation of owing debt.


Date_received: 04/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: CA
ZIP_code: 903XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Theres XXXX accounts 1 ) XXXX XXXX Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$7100.00} Past Due : {$2000.00} 2 ) US DEPARTMENT OF EDU Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : That I hhave been disputing since XXXX. I have submitted the disputes to Equifax directly along with a copy of my police report clearly showing these items on my report. I will fax it to you directly as proof.


Date_received: 05/05/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: TD Bank US Holding Company
State: FL
ZIP_code: 331XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Someone stole my identity. They have my social security, date of birth, address, etc. are trying to open credit cards under my name via the Internet. Not in person. Believe it was an internal employee from XXXX for that I do not make purchases on the Internet or give my personal information to anyone.


Date_received: 05/09/2016
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: NC
ZIP_code: 280XX
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:
I have a judgement/public record on my credit report that has been satisfied/paid in full and I would like this to be removed from my report.


Date_received: 05/04/2016
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: Paramount Residential Mortgage Group, Inc.
State: KY
ZIP_code: 410XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Payment was made via autodeduct from my checking account for the amount due on my mortgage escrow account on XXXX XXXX 2016. Since then the mortgage service company ( Paramount Residential Mortgage Group ) has been calling, demanding an additional payment for XXXX. When I discussed this matter, the respresentitive said they will not investigate the payment, and my bank says it 's difficult to provide proof since the auto deduct was completed by PRMG. Now I have an outstanding balance, and fear my credit will be effected.


Date_received: 05/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: NY
ZIP_code: 103XX
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 have XXXX accounts on my credit report XXXX mixed file and XXXX fraud account XXXX bankruptcy mixed file XXXX XXXX XXXX marking fraud account


Date_received: 05/05/2016
Product: Mortgage
Subproduct: Other 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: U.S. Bancorp
State: OR
ZIP_code: 972XX
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 am the President of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OR XXXX. XXXX XXXX was abandoned by the owner and she stopped paying assessments to XXXX XXXX effective XXXX XXXX which now total almost {$10000.00}. The lender secured the unit and filed a Notice of Foreclosure on XXXX XXXX, XXXX but has failed to complete the foreclosure.


Date_received: 04/21/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company: JPMorgan Chase & Co.
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XX/XX/XXXX I applied for a loan modification from my mortgage bank Chase Bank ( Chase bank took over my original Bank Washington Mutual Bank ) Went to a chase mortgage office who only does the paper work for load modification. the paper work was submitted and I was on a mortgage trial from chase. Spoke to the person who was handling my case the about twice during the first month after that I was paying my trial payment on time. Went to the bank and made my payments. Keep making my payments, the one day went to make my payments and was told the bank no longer accepting my payments I must bring the account up to date. When I called the XXXX number to speak to the person who was handling my account/me. I was told she is not to be found and no one knew my account. and did not believe I was on a trial. I was told that I am eligible to apply for a loan modification. I kept applying then XX/XX/XXXX I was serve papers to foreclose after keep applying and help from people and a none prophet organization finally got a loan modification. I was then told by chase Bank because they add some XXXX ( {$90000.00} ) as interest to my loan I no longer qualify for the go government HARP loan modification. My original loan modification was {$1200.00} now its {$2200.00} a $ XXXX.more. and a 4.625 % interest. I had no choice to take the loan. A few months later I found out chase the same the with many other people and there was a class action law suit and chase lost. It appears chase Bank started loan modification with many others and never gave them the final paper work.


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_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: FL
ZIP_code: 341XX
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:
Synchrony Bank has called my cell phone repeatedly without my permission for the last week. They call me 3-5 times a day. I am on time with my payments with the account I have with them. I have spoken to several different representatives and no one can figure out why they continually call me.


Product: that 's not typically what happens
Issue: I felt very harassed. If this company has recordings like it should
Company_public_response: Cedars Business Services, LLC
Company: NY
State: 141XX
Submitted_via: Consent provided
Date_sent_to_company: Web
Company_response: 05/18/2016
Timely_response: Closed with explanation
Consumer_disputed: Yes
Complaint_ID: Yes
Date_received:
When I found the item on my credit report. I started investigating, I called the college first then Cedar Collections. I was met with a rude and harassing debt collector who failed to use mini Miranda, failed to properly verify identity of consumer. Instead of having me confirm id, the collector asked closed ended questions, to which I answered yes or no. My information was released then I was offered the ability to affirm. ( Privacy - possible Violation Oxley Act definitely a violation of the FDCPA Fair Debt Collections Practices Act when the Collections Agent from Cedar called me back within 1 hour of the call I made to them. The collector immediately started a conversation with me without confirming identity. I asked what his purpose of calling was except to harass me and I pointed out that we just spoke and to call an alledged debtor back within 24 hours is a violation of FDCPA. I told the agent it was not a valid debt for many reasons, the class was dropped and I was locked out within the first week of classes due to financial aid not lining up as expected. So the college is trying to get paid for a product they did not provide and the collection agency is using a citation on the credit report to threaten a consumer. Extortion, Possible multiple violations of US Codified Law US Code 15 FDCPA and FCRA Harassment. Even after I started speaking with the recovery agent I gave great detail the issues surrounding the matter The agent implied I was lying making statements such as " Well

Subproduct:
 sir. '' was the response more then once. So there was an implication that I was lying. A debt collector can not legally use phrases like this

Subissue:
 then this is recorded. I mentioned the matter should be sent back to the client and I never received a XXXX or docket letter from this company. I had to 90 day period of time to dispute. I am discussing this matter with an attorney. I received an email from the college informing me to dispute this matter with the collection agency. I did verbally I should not have to do anything else. I just had a XXXX and I can document that I believe my XXXX was brought on in part due to this.."


Date_received: 05/04/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
State: but I was not able to get anything from them
ZIP_code: as they claim that the monthly fee is necessary for them to operate a dormant account."
Date_sent_to_company: PNC Bank N.A.
Company_response: MD
Timely_response: 212XX
Complaint_ID: Consent provided
Consumer_narrative:
I was charged a monthly maintenance fee on an account that was once listed as " Free Checking ''. I never received notice of the account changing from a "" free '' account to a "" standard '' account - despite what the bank is saying. The new "" standard '' account charges a fee of $ XXXX/mo if you do not meet certain criteria ( {$500.00} minimum balance ; {$500.00} minimum monthly deposits ; or XXXX years of age )

Company_public_response:
 which my account did not meet. I did not observe this account for some time due to not needing to use it

Company:
 and in that period of time I lost $ XXXX+ in fees to the bank. I tried to work with the bank in getting any of that money returned to me as no services were rendered


Date_received: 05/18/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: dated XXXX XXXX
Company: XXXX. Note
State: that each time an incident occurred I contacted Ocwen Loan Servicing LLC.
ZIP_code: to dispute the recurring problem. As a result
Date_sent_to_company: each "" Escalation Manager/Specialist '' [ XXXX ext. XXXX
Company_response: XXXX ext. XXXX
Timely_response: XXXX ext. XXXX
Consumer_disputed: XXXX ext. XXXX ] would allegedly investigate
Complaint_ID: then resolve the issue
Consumer_narrative:
On XXXX XXXX, XXXX, I accepted a Mortgage Loan Modification Agreement from Ocwen Loan Servicing , LLC . Ocwen 's Contract Management Modifications Coordinator, XXXX XXXX, signed-off on the agreement on XXXX XXXX, XXXX. Subsequently, all of my monthly mortgage payments have been paid on-time or ahead of the due date, which is the XXXX of each month, as required. However, on four [ 4 ] separate occasions since the approval of my Mortgage Loan Modification, Ocwen has placed my account on a Trial Modification Plan and/or Forbearance, despite the fact that I have not defaulted on the agreement. In addition, I received a " Notification of Default ''

Submitted_via:
 they would refer me to an "" Escalation Manager '' and/or their Research Department to have the issue resolved. Subsequently


Complaint_ID: Yes
Date_received:
I called Macy 's to inquire about this {$2.00} charge since I have never seen it before and certainly not what I signed up for. To my surprise


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional fixed 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: WI
ZIP_code: 532XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mortgage with Wells Fargo mortgage was close to foreclosure. In order to get current I mailed a cashier 's check for the total past due amount plus fees. The check was credited to my account then reversed. When I contacted Wells Fargo I was told there was a problem with the check. In order for the bank that issued the cashier 's check ( XXXX XXXX ) to refund my money I need either the check or a statement from Wells Fargo on the problems with the check. I have submitted requested documents to XXXX different departments at Wells Fargo ( Research dept. & Cash dept. ) with no response. I have made several phone calls and never get a satisfactory response.


Date_received: 04/03/2016
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: 774XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/03/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Experian refused to provide Credit Score to lender XXXX XXXX XXXX, whereby I was refused a Home Loan. In addition the dispute requests are not entertained, and refusing to remove incorrect items from my Credit File with them. Some of these items are have already been removed from my credit file with Credit Reporting Agencies.


Date_received: 05/08/2016
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: Citibank
State: GA
ZIP_code: 301XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
CITIBANK Continues dunning calls with implicit threats re : losing information about a debt and the consequences if I do so. I am working with the fraud department of Home Depot. In spite of that I have been getting many calls from Citi agents. They do not communicate with HD 's fraud department. Complete sloppy, emotionally draining over an issue being worked on with HD. Wrongly called me today -- XXXX XXXX as I mourn the recent deaths of my wife and sister. I am an ID fraud victim.


Date_received: 05/16/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: Equifax
State: AZ
ZIP_code: 855XX
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 filed a complaint against Equifax on XX/XX/2016 with the CFPB # XXXX. They and said they needed 30 days to investigate. 30 days is up. No contact from them and no credit report. what do I do now?


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: IN
ZIP_code: 468XX
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 skip tracing company and collector kept calling me and other family members trying to collect a debt I do not owe. I have 6 calls on recording and bills ( see attached )


Date_received: 04/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NY
ZIP_code: 115XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had a XXXX XXXX card on which I had accumulated XXXX in credits for a new car. While living XXXX, they blocked my access to online payment. I tried to pay but they quickly cancelled the account and that gave them the opportunity to cancel my credits also. Since then, they turned it over to a collection agency. I made a deal with the agency to settle the account and sent them a check, which they cashed. They then apparently sold the account to another agency, which is bothering me for this money, and they did n't report the account as closed to the credit agencies.


Date_received: 03/31/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Money was not available when promised
Company: MoneyGram
State: AL
ZIP_code: 361XX
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 sent {$1700.00} and it 's been under review since XXXX I 've been on hold since XXXX and it 's now XXXX


Date_received: 05/02/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Company: Navient Solutions, Inc.
State: OH
ZIP_code: 446XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
For years and years payments were made to Sallie Mae for my student loans. The Balance did NOTHING! At one point I decided I needed to go on an interest based repayment for over {$600.00} a month. During this time my loan collected nearly {$5000.00} dollar in interest! My payments were {$1100.00} a month. I would make a payment and then on my next billing cycle the balance on the principle would be {$1000.00} higher then the month before after making a payment of over {$1100.00}. When I would call I would spend hours on the phone with hours of that on hold and receive no answers for any of my questions or where this extra money on my balance had come from. On 6 different occasions I was told " this will have to be looked up manually. We will call you back! '' I have NEVER received a phone call from Sallie Mae unless to collect my money!!! At one point I asked to speak to a manager who also put me on hold and when he could not answer my questions he became agitated and hang up on me!!!!! OUTRAGEOUS! I am at a loss with this ignorance. There is no office to go to ... no extensions to speak with the same person twice. It is madness and Sallie Mae is corrupt and taking advantage of an entire generation of people!"


Subproduct: JPMorgan Chase & Co.
Issue: MA
Subissue: 021XX
Company_public_response: Consent provided
Company: Web
State: 05/18/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
This is a blatant violation of consumer rights and is unacceptable. ( Though my documents are scanned .PDFs, the dispute with my ID/Credit Card were sent in COLOR removing an legibility issues. ) Regards, XXXX XXXX


Subproduct: Bull City Financial Solutions, Inc
Issue: DC
Subissue: 200XX
Company_public_response: Consent provided
Company: Web
State: 05/02/2016
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Sopervisor XXXX XXXX told me that by law i was obligated to answer his questions and refused to fully cooperate with me in the settlement of this matter. 6. Debt collectors are prohibited and or forbidden to report a purported debt to anyone once they have been told to cease and desist all debt collection activities by the consumer and or their representative ( s ) [ 15 USC-1692e ] 805 ( b ) because the debt has yet to be validated or verified, reporting to the several different credit agencies is a violation of federal law.


Date_received: 04/13/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company: Capital One
State: MD
ZIP_code: 209XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Capital One Bank 's Claim Department denied to credit my money that has been taken from fraud transactions in amount of {$900.00}.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Threatened to take legal action
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: SECURITY CREDIT SYSTEMS INC
State: IL
ZIP_code: 605XX
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 received a call from Security Credit Systems , Inc XXXX twice to my direct work line. I 've already requested that they do n't contact my employer last year. I received a call today and the collector threatened to contact my company about my debt. I know that he is unable to do that. He was rude and railroad me. After I asked him again to not contact at my place of work. Caller refused to tell me what the debt is for.


Date_received: 06/29/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: in all this time since I appealed their decision
ZIP_code: XXXX XXXX
Date_sent_to_company: they told me they were n't going to fix the error
Company_response: and would move on with the sale. She did
Timely_response: however
Consumer_disputed: suggest that I file a new application and new information to be reviewed
Consumer_narrative:
My condo was foreclosed on by XXXX a year ago. I got in this situation because XXXX was the servicer of my loan and this property had both a first and second mortgage on it, both serviced by XXXX. When my business was impacted by the downturn in XXXX, I struggled to keep both mortgages current. However, when the worst of the mortgage crisis hit, my property value dropped to below the balance of the first mortgage and there was nothing to support the second. Well before I was unable to make both payments, I contacted XXXX to try to work out something to allow me to pay the second mortgage later, or reduce payments temporarily, but they refused to work with me. So by XXXX, I was finally unable to pay both mortgage payments, so when I sent in my payment for the first mortgage, but did not include the payment for the second, XXXX returned my payment to me and refused to accept it. I tried 3 times, but each time the payment in full for the first mortgage, plus additional interest, was returned. We are appealing the foreclosure decision, because they provided no proof of standing, and we have a letter from the VP of XXXX telling me they were not the owner of my mortgage and could not initiate a foreclosure action against us. However, the judge ignored that evidence and a lot of other, including testimony of the bank representative ( an employee of Select Portfolio Servicing , Inc. that is now the servicer after XXXX turned the loan over to them ) that indicated that XXXX, the Plaintiff, had never possessed the note. I was offered the opportunity in XXXX to apply for SPS ' Home Retention Program and completed all required paperwork. It appeared they were interested in working something out, but they would always wait until the last minute to cancel foreclosure sales scheduled by them. The stress has been unbelievable. My application for their programs was finally denied in XXXX, based on the fact that they had characterized my condo as vacant/abandoned. They had the complete rental records for XXXX and XXXX in their possession as part of my application package, and when I spoke with their CSR after filing my appeal of their decision, she told me that there were notes in their file indicating that they had sent someone out to visit the property and he indicated that " clearly it was occupied. '' However

Company:
 they have refused to clear up that mischaracterization and seriously consider my application. Almost 2 weeks ago

State:
 I called their Ombudsman 's department and was told that they had made a "" business decision '' to not cancel the foreclosure sale set for tomorrow

Submitted_via:
 XXXX. When I asked why they would do that when I wanted to work something out and they had denied my application because of an error in their servicing

Complaint_ID:
 so I did that on that same day 2 weeks ago. My new application includes the lease of the tenant that will be there all year


Date_received: 05/03/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Company_public_response: XXXX XXXX showing up in the mail I did NOT request? No
State: Company believes it acted appropriately as authorized by contract or law
ZIP_code: USAA Savings
Submitted_via: AZ
Date_sent_to_company: 857XX
Company_response: Older American, Servicemember
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/03/2016
Consumer_narrative:
USAA Federal Services Bank and I entered into a written and signed contract for a USAA issued XXXX on XXXX/XXXX/XXXX. That USAA XXXX account is still open and in good standing. USAA sent me on XXXX/XXXX/XXXX XXXX new USAA XXXX cards with different account numbers saying they will no longer honor our contractual agreement for a XXXX and will end XXXX service on XXXX/XXXX/XXXX. I do NOT desire and did NOT request the XXXX XXXX cards, nor sign ANY agreements for them. On the day received I phoned USAA and requested they be removed from my account as they were undesired, unauthorized, and I feel issued fraudulently using my XXXX bank data by USAA. I did NOT " activate '' the cards unsolicited and sent me. USAA was instructed to cancel those XXXX accounts immediately and remove ANY and all data from any credit reporting bureaus or other records that they created associated with my name.USAA claims they had the right to change Credit Card companies and issue cards to another service card company without the members permission. What 's next - XXXX XXXX XXXX

Company:
 I feel it Bank Fraud for a Bank to issue its members credit cards without their express permission. I expressly told USAA to remove any record of the cards existence and desire to close my USAA XXXX account on XXXX XXXX XXXX. I asked USAA to write a letter to the XXXX credit bureaus requesting any reference to the USAA issued XXXX cards be removed and that the data was entered by USAA without Member permission and annotate the USAA account closed at consumers request to preclude any adverse credit reporting to the credit bureaus - USAA refused to write the letter detailing their opening the XXXX account ( s ) without my ( and XXXX of other members ) permission. On XXXX/XXXX/XXXX got a USAA XXXX invoice for XXXX charges made and sent payment for full amount to USAA Payment center with letter instructing full amount paid is to be applied ONLY to the XXXX card Bill and NOT to any XXXX Card accounts made by USAA against my permission. Calls to USAA reveal USAA had taken it on their own to transfer the USAA XXXX account balance from the open XXXX account to the new USAA created XXXX Account cards against my express written instructions ( letter available on request ). This created an unauthorized XXXX cards account history by USAA - an adverse credit reporting action action since USAA still had not closed the XXXX account per consumer request at the time the request was made. On XXXX/XXXX/XXXX I received a USAA Invoice for the USAA XXXX credit card account that I had instructed USAA to close on XXXX XXXX XXXX and again instructed closed on XXXX XXXX and XXXX XXXX. The statement shows USAA transfer of XXXX balances to their new ( unauthorized and undesired ) XXXX XXXX. I called USAA to demand closure of ALL Credit Card accounts ( ) XXXX and XXXX ) as they were incompetent and untrustworthy to follow consumers directions for account closures and records corrections to the XXXX credit bureaus. I believe USAA is acting fraudulently in creating credit accounts and sending out new credit cards with a different service provider without the members written permission. Anyone else applying for a credit cards using ones information without permission would definitely be considered Id theft and Banking fraud. For an issuing Bank to issue cards without members permission I feel is also credit fraud and Id theft at an institutional level. As of today I have brought all credit card balances to {$0.00} and directed USAA to close ALL USAA issued credit cards at consumer request. Who wants to bank with a financial institution that issues credit cards and affect ones credit ratings without the members permission? - Not me and neither should anyone else! USAA should have gotten signatures on new contracts for the XXXX cards to change properly and legal"


Date_received: 05/05/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Shopping for a loan or lease
Company: Global Lending Services LLC
State: FL
ZIP_code: 327XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had a loan with Global Lending service that was set up by XXXX. For one year I paid XXXX a month to them and not once were these payments reported to a credit agency. When I went to refinance the car I was informed that Global lending was not federally insured and therefore I would NEVER be able to be refinanced by a reputable lender. I went to XXXX to talk to them and they could not find anything on my credit report regarding Global Lending. I was so distraught about this that when I went to XXXX I was very vulnerable and alone. They knew I was there to get my payment down. When I left there I had a brand new XXXX with a XXXX payment which is too much. I recently had found out my identity was compromised during a background check for a job, my hospital records were among a group of records that were hacked and a satellite internet company had posed as direct TV and took my debit card number. I was pretty shattered at the time and now am stuck with a XXXX payment on a car I did not want. I went through bankruptcy in XXXX to try and pick up the pieces of my life and hopefully get things back together. No positive credit was garnered by my relationship with Global Lending causing my credit to still stink. Is there anything that can be done? Where should I turn? I am completely at a lose


Subproduct: Discover
Issue: CA
Subissue: 920XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I believe in large part my late payment was due to the multiple changes to my account all of which was out of my control. I have lost a lot of faith in Discover, but I 've been an account holder sense XX/XX/XXXX. If I close my credit card it will hurt my credit much more. I am asking again that Discover remove the late payment from my credit as they had made so many errors on my account from XX/XX/XXXX/XX/XX/XXXX.


Date_received: 03/24/2016
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: CMRE Financial Services, Inc.
State: CA
ZIP_code: 923XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I do not owe this debt. This debt belongs to my father. He was born in XXXX. I was born in XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt


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: 05/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This is not accurate reporting and has been hurting my ability to refinance and improve my quality of life.


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


Date_received: 05/04/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Company: Nelnet
State: MN
ZIP_code: 554XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Firstmark Services manages several groups of student loans. They do not provide a history of monthly principle balances, nor will they upon request. They will also not mail this information to me. I believe they are mismanaging the principle amount and accruing interest on my loans. They also have made it exceedingly difficult to pay in excess of the minimum payments as I see fit. That is, they deliberately split large payments to spread across my multiple loans, so as to have the smallest impact on principal balance, despite multiple requests to the contrary. I have written, emailed, and spoken to representatives several times in an attempt to resolve these issues and obtain the requested information, and each time am provided with no updates, nor are the changes I request implemented. I believe they are managing loans in a bad faith fashion, and deliberately hindering the repayment process. Further, their website was recently updated and has been riddled with issues impacting the ability of fiscally responsible loan recipients to manage their debt. For instance, statements are not generated unless there is a balance due. However, I pay the loans and a frequency exceeding the time for which a balance would be generated. I therefore am unable to see the principle balance as affected following each payment. As an actuary, I find that the calculations for balances as calculated by myself, do not coincide with the balances generated by Firstmark Services.


Date_received: 05/03/2016
Product: Credit card
Issue: Other
Company: JPMorgan Chase & Co.
State: VA
ZIP_code: 239XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I saw several charges on my Chase Bank credit card. I wrote the company to validate these debts. Chase did not respond. I wrote another letter. Chase refused to investigate fraud. I contacted the credit bureaus and the account was removed from my credit. Chase Bank reported the invalid debt to the IRS.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: National Commercial Services, Inc
State: AL
ZIP_code: 366XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
Calling about an auto accident and claiming to have documentation that can affect my driving privileges. Will not leave his last name and states that he is with an insurance company but the number belongs to a collections company.


Date_received: 05/17/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: Equifax
State: OH
ZIP_code: 436XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I disputed these inquiries because I did not authorize them. I had them investigated by XXXX and equifax responded by saying they were factual. I would like to know how they found out that these were factual and how their investigation was completed.


Complaint_ID: Yes
Date_received:
When going to their website to try to find an email through which I can electronically send them the information, the only description available is this : " To reach us by E-mail : You may email your request to Customer Care Support by logging into your account

Product:
 then select Contact Us and follow the instructions to contact us via email. '' THAT IS FROM THEIR "" CONTACT US '' PAGE


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: 940XX
Company_public_response: Consent provided
Company: Web
State: 04/28/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I am losing XXXX dollars a month because these crooks have made it impossible to provide them the information they are requesting. Please help put an end to this -- I feel utterly trapped because I do not have the option to take my business elsewhere."


Date_received: 05/16/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: NJ
ZIP_code: 088XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In complaint XXXX, Equifax wrote that they verified the date the XXXX credit card accounts ending in XXXX and XXXX were opened. I have received official correspondence from XXXX XXXX executive offices stating otherwise. Equifax has repeatedly indicated they verified the XXXX credit card accounts, WHICH THEY HAVE NOT. See the attached letter from XXXX. These inaccurately XXXX credit accounts were not investigated properly.. I have asked for full proof of Equifax 's investigations in the past and the letter from XXXX XXXX XXXX offices confirms they did not verify the accounts. the account open dates are wrong.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Ocwen
State: MD
ZIP_code: 217XX
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 note holder of my home hired a law firm to foreclose on my home ... I disputed the debt within in the 30 days required by law but the Law firm never produced the Original Note that I signed as required by law ...


Date_received: 03/03/2016
Product: Debt collection
Subproduct: Medical
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Certified Credit & Collection Bureau
State: NJ
ZIP_code: 088XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
XXXX paid for the debt and the money that they are collecting is more. In addition, the original debtor is trying to collect the difference not paid by XXXX


Date_received: 04/15/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: PA
ZIP_code: 181XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
For the past 3 years I have been trying to apply for a loan modification. The company refuses to give updates when you call. They make you schedule appointments ( run arounds evasive ). The website clearly shows the documents are uploaded and the a gens confirm receipt of the documents but then they say I am still missing information. In the past 3 years that is the only answer from them is something is missing and I need to send pay stubs again. every month that goes by I send more pay stubs and then they say a letter is being sent in the mail but all it is, is the modification application again.


Subproduct: Access Receivables Management
Issue: NV
Subissue: 890XX
Company_public_response: Consent provided
Company: Web
State: 05/18/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
All bills have been paid through our cancellation date of XXXX/XXXX/2015. Actually we paid our bill for the entire month of XXXX 2015, so there would be no problems. That seems to have not been the case. There has been nothing but problems and actually XXXX owes us money and not the other way around if we were to push the matter. See our correspondences attached that were mailed and emailed to XXXX. I spoke with them about cancellation prior to ending service and provided all they requested. They even came and picked up the equipment in XXXX 2015. At this point we need all contact from the collection company to end. No more phone calls harassing our staff and telling our staff how bad they are and the verbal defamation of our company to our staff. It has been completely unprofessional.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: NJ
Subissue: 074XX
Company_public_response: Consent provided
Company: Web
State: 04/21/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Please consider helping us in this matter, we have good credit and have worked very hard to maintain our mortgage.


Date_received: 05/01/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Taking out the loan or lease
Company: American First Finance, Inc.
State: IL
ZIP_code: 605XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I was approved for furniture financing and I decided I no longer wanted to make the purchase and asked the store to cancel. The finance company is continuing to withdraw money out my account. They stated the store is pretending the purchase was custom furniture, they stated they have an invoice which would show nothing is custom I have revoked ACH privileges so I 'm sure they will start negatively reporting to the credit bureaus


Date_received: 06/28/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: MN
ZIP_code: 554XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Bad customer service. I tired to cancel my escrow based on the information they sent me, the problem is they have a irrelevant condition not to cancel my escrow. The only lender you can not talk with the escrow department to solve any problem.


Date_received: 05/02/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Specialized Loan Servicing LLC
State: VA
ZIP_code: 234XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
Log on to web site to pay my home loan amount due was {$1200.00} when I chick to pay XXXX XXXX said I had to pay {$2500.00} and would not accept XXXX payment of {$1200.00} when I tryed calling sls loan sevice XXXX to pay was tranfed to collection dept and I could never get someone only voice machine left over 10 messages when finally got some one 3 days later they assured me all was well and I would not be reported to credit XXXX but I was thanks


Date_received: 04/26/2016
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: Bank of America
State: TX
ZIP_code: 751XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I am concerned that Bank of America is not treating all of its customers equally. I chatted with a supervisor named XXXX on XXXX/XXXX/2016 employee id XXXX. I asked if I could get the late fee waived as a courtesy, I realized I accidentally made two payments within one billing cycle, after I realized the error I promptly made the payment. I chatted with BOA to explain the situation and asked that it be waived as a courtesy. XXXX stated it could not be waived as a courtesy due to my terms and conditions. I reviewed my terms and conditions while still in the chat and advised there was no mention of the fee being nonrefundable. He finally reviewed the terms and stated well it does n't have to say nonrefundable, I am not waiving it. I then asked if this is the policy for every customer and he stated it could be waived if I had a major life event. What is a major life event? Who decides if what is currently going on in my life is huge enough to qualify as a major life event? He stated it was maybe a newborn or a life event that caused me not to make the payment on time. I facetiously told him that I had a baby. He said congratulations call the customer service line explain it to them ad see if they will waive it. That brings up another issue, should n't all representatives of BOA give the same information? If this rep is willing to do nothing for me and waive a fee for someone else, how do I know that it is not based on discrimination. If he is so adamant that a fee can not be waived, why is he encouraging me to call and ask that it be waived. I also got the impression from him that BOA would just make up rules as we went along. I even asked several times are you stating that BOA does not do courtesy waivers, he just kept saying per your terms. If there is nothing in the terms I received when i received the credit card, stating courtesy waivers are not allowed and other people have received courtesy waivers, what makes my account so different?


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Professional Recovery Management
State: TN
ZIP_code: 371XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: No
Consumer_narrative:
XXXX XXXX XXXX Acct # XXXX. This debt has been disputed previously. Fox collections has since re-aged the debt by applying a payment to the account. I have never made a payment to this account either through Fox, or the client. Fox says I made a payment through their client XXXX XXXX XXXX last month for {$50.00} ... This is impossible since the practice has been closed for a few years now, the new practice is not collecting or servicing XXXX XXXX 's debts and XXXX XXXX is deceased and I am disputing this debt. I called and explained to Fox collections that I was making payments to XXXX XXXX and that they accidentally sent this to Fox for collections. Fox created XXXX new accounts for XXXX XXXX : XXXX with acct # XXXX and XXXX with their parent company info for # XXXX each for the same amount of {$190.00} balance. XXXX associates pulled these XXXX erroneous collections back due to their mistake and I received a letter from Fox stating they would be removed and XXXX XXXX was. Now the XXXX XXXX XXXX account # XXXX is showing a payment.I have not completed my validation of this debt and have never made a payment on it. Fox refuses to correct this issue and to contact XXXX associates to verify. I believe that Fox is attempting to re-age an old collection, which is illegal reporting.


Date_received: 04/23/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Company: Equifax
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax improperly shared my credit report and even after receiving a police report, refuse to remove the information from my file XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Alorica Inc.
State: SC
ZIP_code: 290XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This was a debt that was mailed to an incorrect address. Once I found out about it, I immediately paid it in full. I asked that it be removed from my credit report due to not receiving the bill. I contacted the company but they only updated it to say it was paid. I should not be penalized for the bill being sent to the wrong address.


Date_received: 04/10/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company: JPMorgan Chase & Co.
State: IL
ZIP_code: 604XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/10/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
My husband and my 14 year-old daughter opened a high-school checking account @ Chase XX/XX/XXXX with graduation money. This XXXX account was to be established exactly as my other XXXX children 's accounts which includes display of the account activity from the primary checking and mortgage accounts as well as paper statements. The XXXXschool checking account was not established properly. On XXXX/XXXX/XXXX I made a visit to the branch office as did my husband a week or so later to complete signature cards XXXX XXXX XXXX, Relationship Banker, advised us would be necessary to correctly link my daughters account to the primary account. Since we did not receive bank statements and I could not see my daughters account I had not idea my daughters account was being drained of the {$910.00}. This money was all of my daughters graduation money and a portion was to be used for college. By the time I was able to have my daughter log onto her account so I could see if the account was corrected my daughter had a mere {$.00} and numerous transactions some of which were not completed by my daughter. Since XXXX XXXX a bank statement was never mailed to our home, numerous visits to the branch office were unsuccessful to resolve the issue and I was left with no options but to email ( XXXX/XXXX/XXXX ) and open a claim/investigation which was done on XXXX/XXXX/XXXX. The Sr. Specialist investigating our claim explained that due to the 60 day liability it would be difficult to escalate the un-authorized charges. I found it astounding that all but {$.00} was withdrawn from by XXXX year-old daughters account and I never received a written statements, a phone call and/or any type of notification to let me know that over XXXX debit card transactions were completed on this account. After explaining the situation the Sr. Specialist suggested heading back to the branch office to discuss the situation further. My family and I visited the office on XX/XX/XXXX and spoke with XXXX XXXX, Relationship Manager, and the branch manager, XXXX XXXX, who were rude, unprofessional and frankly blaming my husband for not questioning the set up of my daughters account. We again explained we would appreciate at minimum the XXXX charges returned to my daughters account as my daughter does not own an apple product and all of our families cell phones are blocked by XXXX and do not allow downloads. It would be impossible for my daughter to have made these transactions. Certainly I wanted to dispute ALL of the transactions but was willing to compromise with only the XXXX charges considering the circumstances and considering it would be nearly impossible to prove the various other charges were not made by my daughter in particular those charges no local. My family has spent hours on the phone with Chase representatives, visited the branch office to complete signature cards and have yet more conversations non of which resolved this matter. For now my daughters account is correctly tied to my primary accounts only after our XX/XX/XXXX trip to the office and my diligence of brining in a screen shot of my families account set up so that the Chase branch employees could do their job correctly. Given todays banking environment I would expect banks to take customers concerns a bit more seriously and have more diligence with banking practices that involve XXXX children.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: I do not know
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: Delta Management Associates, Inc.
State: CA
ZIP_code: 956XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Delta Management Associates, Inc. contacted me at work on XXXX XXXX, 2016. I gave them a mailing address and asked for all future contact to be through the mail at the given address. The next day, my employer received two faxes for information from them. When contacted to ask them to cease from contacting the business, they hung up the phone.


Date_received: 05/13/2016
Product: Credit card
Issue: Billing statement
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: WA
ZIP_code: 983XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was given a Lowes credit card at the store on XX/XX/2016 through Synchrony Bank and made a purchase the same day for {$2100.00}. The billing cycle was closed 4 days later and the due date listed was XX/XX/2016. I called the bank and they refused to change the due date. Is it legal to have the due date less than 30 days from the purchase date? Normally the billing cycle would be 30 days, not 4 days.


Subproduct: Navient Solutions, Inc.
Issue: VA
Subissue: 236XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I am asking for help. Please help my marriage and my family. I am very afraid that if our current situation continues any longer, my marriage may fall apart. I want to serve our country as well as my wife, but this financial situation makes it impossible. I also want to know what my rights are as a U.S. Serviceman, to help stand up against this student loan corporation. With part of our financial burden alleviated, I have no doubt that our health will improve, our marriage will strengthen, hope will return to our lives, and I can carry on with the mission. Navient has been uncooperative, I have exhausted my XXXX resources, and I do n't know where to turn. Please help save our family. Thank you for your time and consideration


Date_received: 04/04/2016
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: Experian
State: PA
ZIP_code: 191XX
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 have credit issues that are on my credit reports that are over 7 years old and they are not being removed. please help me get these ones removed off my credit reports.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: The CBE Group, Inc.
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The company Cbe Group keeps harrasing me by phone constantly day and night. I have told then numerous times to stop calling but they continue to do it please help.


Date_received: 04/26/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Company_public_response: but I need to remember to click on my XXXX credit card each time I make a purchase
Complaint_ID: Yes
Consumer_narrative:
I have had repeated problems with PayPal, which has twice now issued me their credit cards without my knowledge or consent ( including a XXXX one now after having directed them to cancel a prior one ). They then link their unwanted credit card to my PayPal account, and make it the primary means of payment. Generally I am able to avoid using their card by switching the payment to my " real '' ( XXXX ) credit card


Date_received: 05/10/2016
Product: Credit card
Issue: Credit line increase/decrease
Company_public_response: because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX
Company: XXXX XXXX XXXX ( XXXX ) ; '' )."
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Citibank
Submitted_via: FL
Date_sent_to_company: 331XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/10/2016
Consumer_narrative:
This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( 2 ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care


Date_received: 05/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Seterus, Inc.
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My father passed away and left a house to my XXXX siblings and myself. I have lived in the house since it was purchased 9 years ago, and make the mortgage payment. In XXXX, 2015, XXXX XXXX XXXX, the mortgage holder, sold the loan to Seterus. Since that time I have been trying to get information about the loan, but they will not talk to me about it. They say they must have the name of the Administrator or Executor of the estate. There is not one. My father died in XXXX, without a will, and we completed a Small Summary Administration where the Judge divided the property among the XXXX of us and it was complete. The judge said she had no jurisdiction over the house because it was in XXXX. After several conversations with Seterus since they took over the note in XXXX, 2015, I have done and sent everything they have asked for. I have sent the Summary Administration from XXXX and the Affidavit of Heirship from XXXX, along with my father 's death certificate, as requested from Seterus. During the last two conversations with Seterus, I was told first that the legal documents were not sufficient and then that ( apparently they were ) they could not talk to me, but could talk to my sister. I then began to receive mail from them, at the house address where I live, with her name on it. Not only has my sister never spoken with them, but she has had repeated brain surgeries since XXXX of last year and is not involved in the house matter. The only way that Seterus could have my sister 's name is someone picking a name off of one of the legal documents - her name happens to be listed first. I retained an attorney this week, she called, and they wo n't speak to her either. I have paid what I believed to be the mortgage payment every month, but I am not sure what the amount is, due to several pieces of mail from Seterus with differing amounts due. At the end of the last conversation with Seterus, I asked the young lady what I should do since they would not tell me anything about the loan. She said to just keep paying the mortgage. I asked how, since I was unsure of the monthly amount due ( the change in amount came when they set up an escrow account ). She told me that, though she should n't be telling me, the amount I had paid 4 days before, {$1000.00}, was the correct amount. Several days later I received a statement that the payment was {$1200.00} per month. The next day I received mail stating that the mortgage was behing one month, and that if they did n't receive {$1700.00} by XXXX XXXX, they were going to begin foreclosure proceedings. Two days later I received a statement saying that {$1900.00} was owed. I have done everything they have asked. With the exception of XXXX people, they have been extremely rude and unyielding. When I asked for someone in their legal department, they said they could n't help me. I am at my wits end. I have made payments every month, calculated by what the original amount was, plus the yearly property taxes divided by XXXX. Please help. I do n't want to lose my home, but I can not seem to get through to these people. Thank you in advance.


Date_received: 05/05/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: BBVA Compass
State: CO
ZIP_code: 805XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This complaint is about BBVA Compass Bank. I received a car loan with them in XXXX of XXXX. I made every payment on time. I recently bought a new car and was informed that the Compass car loan does not show up on any credit reporting agency. three and a half years of on time payments do not show up anywhere. However, in XXXX they closed a credit card account because they reviewed my credit report on XXXX and it was n't up to their standards. That negative closure shows up on all three reporting agencies but the fact that I have consistently paid 3 times the minimum payment since the closure does not. They only show I pay the minimum payment. I called Compass. Nothing they can do about the credit card. I called about the car loan. I received a message that they had fixed it and I could return to the dealership after XXXX XXXX and it will show up. It does not. it is now XXXX XXXX. They 've done nothing but damage my credit and refuse to show that I have never been late, that I pay more than the minimum on XXXX the car loan and credit card and never even reported the car loan to the credit bureau. They have severely negatively impacted my credit and I have no idea how to get them to fix it.


Subissue: include people 's names unrelated to the debt in my Public Record
Company: the purchase of the debt
ZIP_code: please advise
Company_response: a time frame period was not provided to me informing me of a possible impending legal action."
Consumer_disputed: Cavalry Investments, LLC
Complaint_ID: PA
Date_received:
Sometimes, they harass the wrong person and their lives are made difficult to clear their name in the Public Record Forum. This method of debt collection is now frowned upon with new legislation to protect the consumer since XX/XX/XXXX. I had no real proof this debt belonged to me from this debt collector, I simply paid the debt, all the while experiencing financial trauma in my own life. This company preyed on old debt and victims in the midst of the country 's credit crisis. They have " contract '' lawyers in many areas and one of their lawyer 's was absolutely abusive in her language and collection tactics. Please see the attached. I was not given a chance to be heard and I relocated frequently due to my husband 's contract XXXX job and my acceptance of an XXXX Position. Additionally

Product:
 when I discovered this company filed motions in different states with accompanying negative comments

Subproduct:
 and names of private parties as notes for others to see on my Public Record report. Please see attached. I 've asked the company to remove this and all entries in Public Record ( which are worded inappropriately )

Issue:
 they have not responded. My wife also was treated very poorly and abusively by Calvary Portfolio 's lawyer. Debt collectors should not be free to ruin people 's reputations

Consumer_narrative:
 and refuse to respond to my written request to fix the damaged they have caused. Without the forum and neutral assistance of the CFPB

Company_public_response:
 this abuse and debt collection practices will continue to occur. This debt has been paid and I did so not really having hardcore proof specifically of this debt

State:
 nor was I given an opportunity to be heard prior to the filing of several motions in several states by Calvary Portfolio ( or their representatives ). It has already been requested Calvary Portfolio remove their Public Record Entry for my name in all the states they filed motions just to collect a debt. Please see the attached for XXXX example. If there are filing fees

Submitted_via:
 but the comments they have added to the public Record forum is absolutely inappropriate. It is noted that Calvary Portfolio essentially concedes that prior to legal action being taken against me

Date_sent_to_company:
 their offices did not attempt to contact me for a debt they 've procured and took legal action prior to me being heard both in XX/XX/XXXX and in XX/XX/XXXX. Even with knowledge of a known address


Date_received: Please close the account
Subproduct: ( Basic Damages or actual ( provable ) damages ( no limit )
Issue: or statutory damages ) Complaint # 4"
Consumer_narrative: Equifax
Company_public_response: NJ
Company: 077XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/19/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: Yes
Complaint_ID: 1933026
Product:
 and please correct the Activity designator to "" CLOSED '' - Willfully violate obligations under the FCRA


Date_received: 04/05/2016
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: LA
ZIP_code: 705XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I went to XXXX to get my report. The Experian questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: CA
Subissue: 900XX
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: No
Date_received:
I believe Bank of America should be accountable for its employees and there should be a check and balance. I believe this is easy to resolve, look at the cameras. Run a report of what the teller entered as a deposit.


Date_received: 05/17/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company: Equifax
State: PA
ZIP_code: 170XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
There is an address on XXXX credit reports that belong to another person. Never was my address. It is the XXXX, PA address.


Date_received: 05/04/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company_public_response: Company believes complaint is the result of an isolated error
Company: Universal Acceptance Corporation
State: TX
ZIP_code: 782XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I was responding to UAC regarding an email that I received in XX/XX/XXXX regarding a consent order sent to me by email from the CFPB about this company reporting incorrectly to the credit bureaus. I had a lot of problems with them when I was a customer so naturally I wanted to check to make sure my credit reflected correct information. I was advised if already pulled credit report from annual credit report.com and still wanted a copy that we were entitled to one from XXXX and could request it by calling UAC. I did that in on XXXX/XXXX/XXXX and spoke with a woman who had no idea what was going on but took my request to the credit department and was told would mail it and they took my new address. That was two months ago and I have yet to receive any credit report from them. I then called UAC today XXXX/XXXX/XXXX and spoke to a XXXX XXXX who was incredibly rude he must have interrupted me 5 times during the conversation and was very argumentative. He had the nerve to tell me that it did n't really apply to me because I have n't done business with them in two years when the email I got about it in XX/XX/XXXX which provided additional information specifically said that it involved accounts that were before XX/XX/XXXX so it definatly concerned me. Then when I basically told him to stop arguing with me and put in my request he took down my new address and married name and said would request my credit report. Then a little while later he called me back to tell me that I was wrong and that they are not sending customer 's credit reports but that is what it says in both emails that I received I was treated with incredible rudeness by this customer service representative ony to have him back off multiple times and say he 's just trying to help me I want to know that my information is correct and I want it taken care of as stated by UAC I have not been a customer of theirs for awhile and I would never be again. Every conversation I ever had with those people the whole time I had a loan was disgusting rudeness I was given a loan modification once to help me out and they failed to let me know at the modifcatin that they were raising my interest rate I think they raised it to like a disgusting 24 or 29 % I had a terrible experience with this company and to call back later with a fully paid off account only to be treated like XXXX again is truly annoying.


Date_received: 06/29/2016
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: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Transunion and XXXX have over XXXX accounts on my credit report that are over 7 years old including old car loans, student loans-one which is paid in full, credit cards from 1999 etc. I have requested them to be removed and was told they can be there for 10 years when the law states 7. I want a review of my credit report for their inaccuracies.


Date_received: 03/24/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Complaint_ID: Yes
Consumer_narrative:
I requested and received a copy of my NCTUE Exchange Service Center consumer report. I received it in the mail today. Within the report under section XXXX " Unpaid Closed Accounts '' there is a paragraph that states


Subproduct: National Consumer Telecom & Utilities Exchange, Inc.
Issue: WA
Subissue: 981XX
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
The information printed on the NCTUE report that I received in the mail is deceiving to consumers as it states clearly 2 YEARS."


Date_received: 05/08/2016
Product: Credit card
Issue: Advertising and marketing
Company: Discover
State: FL
ZIP_code: 322XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
My in-laws ( XXXX & XXXX XXXX ) used to live in the house that I live in now. they had a Discover Card for many years. My father in law died 6 years ago and my mother in law 3 years ago. In the past 2 years, we have gotten 6 or 7 credit card solicitations addressed to XXXX XXXX Deceased.I have the latest one here and unopened. I also took pictures of 2 others. I have called every time that I get one and they say that they have fixed the problem but we keep on receiving them. My wife is starting to get upset with the constant reminder that her Mother ( XXXX ) is deceased. Can you help?


Date_received: 05/12/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company: JPMorgan Chase & Co.
State: TX
ZIP_code: 782XX
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 recently applied for a modification with CHASE and I was given multiple different reasons for denial and was never given an exact reason. I was even told by a manager that they used a specific amount of income and then was told otherwise by XXXX different people. when I started this program I was only 1 payment past due. I am currently 3 payments past due on my mortgage and all I want is to continue making payments on my mortgage but I do not have enough to make up the past due amount. My complaint overall is that is nearly impossible to understand this process and not to mention CHASE never called me to advise of the decision on the loan they just pushed it back to collections and I had to call and check on why it was taking so long for a decision. I found out that the loan was removed from modification review days before my call. MY Representative promised me a call to advise me of a decision I never received one call from her. I am now 3 payments past due and having to reapply again, I live in Texas so I know after missing 4 payments my property is going to be in active foreclosure or probably already is. I am wanting to keep my property I just can not pay the past due amount. I am having to reapply since I was n't told the accurate reason for denial I finally received the paperwork ( almost a month later ) and I now understand why I was denied and I have to reapply this delay in a process that I believe CHASE should already be on top of should not be happening. I am falling more and more past due and I CHASE will not let me make a payment while file is in review.


Date_received: 05/09/2016
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: Credit Protection Association, L.P.
State: WA
ZIP_code: 986XX
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:
Applied for a apartment and was denied because there were XXXX accounts on my credit report that should not of been sent to collections


Date_received: 04/02/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company: World Acceptance Corporation
State: GA
ZIP_code: 302XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
This account was paid in full, but world finance has submitted information to the credit bureau that I owe {$3100.00} but, the loan was for {$610.00} and I was taken to court for XXXX. The XXXX has been paid in full and I have attached the documents to prove it. I did receive a receipt for my last payment. Now world finance is submitting fraudulent information to the credit bureaus.


Date_received: 05/20/2016
Product: Debt collection
Subproduct: Medical
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: JMD,LLC
State: CA
ZIP_code: 935XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX XXXX sold my information to High Desert Creditors Services I sent a verification of debt for the High Desert Creditors Services to provide me with a contract where I contracted with High Desert Creditors Services they responded to me onXX/XX/2016 where they stated that was a verification of the debt just to be clear a verification of debt has to be sent by the original creditor and it also has to have my wet ink signature the letter that was sent to me there is no wet ink signature where I contracted with the original creditor with that being said


Date_received: 05/17/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: MO
ZIP_code: 641XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
It appears that someone has been using my Social Security number to take out a home mortgage and other activities since 2011.


Date_received: 05/15/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX, fraudulent attempts were made to access my existing credit card accounts ( unsuccessfully ) and to open new accounts ( unsuccessfully ). At that time, I placed security freezes with all XXXX credit bureaus. In XXXX, XXXX, XXXX of the XXXX bureaus ( Transunion and XXXX ) temporarily released the freezes to a fraudulent person. That person subsequently fraudulently opened XXXX credit cards in my name and then attempted a change of address on both cards. There is no mechanism in place for the credit bureaus to confirm identity ( other than the previously issued PIN ). A phone call to a phone an existing phone number in my credit file would have prevented the freeze release. Transunion released the freeze even though a credit card that was not mine was used to release the freeze. That credit card used is not on my credit report and the phone number used to release the freeze is also not on report. Transunion DID provide me with a new PIN after the fraudulent release AND it will ( supposedly ) now require a fax of identifying information prior to releasing a security freeze as well. XXXX released the security freeze even though the call to release the freeze was disconnected prior to getting any credit card to secure the release. XXXX then refused to issue me a new PIN without creating a new security freeze for an additional fee! So with XXXX there is still no mechanism in place to prevent the fraudulent person from again releasing the security freeze.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Professional Recovery Management
State: TN
ZIP_code: 380XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is a medical bill that is showing up in collections as an open account on my credit report. I filed Chapter XXXX Bankruptcy in XXXX and it was discharged in XXXX. This medical bill was put under the Chapter XXXX Bankruptcy and should not be on my credit report.


Date_received: 05/04/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: Capital One
State: MN
ZIP_code: 551XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was awarded a settlement against Capital One Auto for an illegal repossession on XXXX XXXX XXXX. It was agreed that I would recover : the car and granted the title, they would remove the negative mark/tradeline from my credit report and I was awarded cash. However, they are now suing me in bankruptcy court in order to take back the car they agreed to give me stating that my account was past due. The court date is scheduled for XXXX XXXX XXXX at XXXX. However, I paid Capital One what was needed to retrieve my car back before it was sold XX/XX/XXXX, afterwards I was given the car back from XXXX XXXX who held the car at the impound lot. Afterwards, I paid Capital One Auto the next scheduled auto payment. Afterwards, Capital One disbarred me from accessing my online account via the XXXX. I informed my consumer justice attorney and previous bankruptcy attorney that I was having trouble making payments to Capital One Auto. I was told that because I filed bankruptcy that I could n't make payments to Capital One Auto until after the bankruptcy was discharged, even though I wanted to keep the car. I was also told that because I have a pending lawsuit against Capital One Auto for the vehicle that I 'm not supposed to make any payments to Capital One Auto. I contacted XXXX XXXX to handle the illegal repossession in XXXX XXXX and hired XXXX XXXX XXXX XXXX to handle the bankruptcy proceedings. I immediately put the XXXX in touch with each other in XXXX XXXX. I have emails showing that I was contacting both attorneys to make a payment since XXXX XXXX and screenshots of Capital One Auto who removed my account. I informed the bankruptcy attorney that I wanted to reaffirm the car but he stated that Capital One Auto did not want to reaffirm the auto. I was then told by the consumer justice attorney that it was because Capital One Auto would be settling and I would given the car. Now, Capital One XXXX is suing me to recover the auto, which should be dismissed.


Date_received: 07/01/2016
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: Experian
State: NC
ZIP_code: 276XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
the company has listed several recent inquiries that I am not familiar with and I would like them removed. my score was just literally over XXXX and now it is back down bc of this. I strive hard to keep my score going up, please do n't let my progress get hindered by fake inquiries


Date_received: 05/05/2016
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 believes it acted appropriately as authorized by contract or law
Company: Sallie Mae
State: MO
ZIP_code: 656XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have recently paid of my loan to Sallie Mae. In the process of doing so I ended up with a credit. I called to receive my credit and have my account closed. I was told that it had to go through a billing cycle and the check would be mailed and account closed at that time. They told me it would be in the beginning of XXXX. It is now XXXX and I have not received the check, nor has the account been closed.


Product: Company believes complaint is the result of an isolated error
Subproduct: State Employee's Credit Union
Issue: NC
Subissue: 276XX
Company_public_response: Consent provided
Company: Web
State: 05/16/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Lastly, email right now is going to be the best form of communication, as I 'm in XXXX for the next two months.l Thanks,


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: 328XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I am very unhappy with this situation with Wells Fargo and I hope that this can be repaired ASAP because it 's causing damage to my business.


Date_received: 05/08/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Portfolio Recovery Associates, Inc.
State: FL
ZIP_code: 335XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have asked Portfolio Recovery 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: 05/09/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Taking out the loan or lease
State: Santander Consumer USA Holdings Inc
ZIP_code: AZ
Submitted_via: 852XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/09/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
In XXXX XXXX I got an auto loan through Santander Consumer. In XXXX XXXX I traded my car in for a newer vehicle and went to a different lender that paid off the loan I had with Santander consumer USA. Throughout my two year loan with Santander I had no issues and my payments were paid on time through my online bill pay every month. On XXXX XXXX XXXX I went to make a payment to my current leader through my bank website like I have done in the past, however I inadvertently sent a XXXX check to Santander ( who I still had listed in my bill pay ). On XXXX XXXX I realized that I sent my check to the wrong lender and called my bank to stop payment. My bank told me they could not do anything because it was direct funds and was already cashed so I would need to call Santander Consumer USA and have them send the check back. On the same day I did called Santander and was told by a representative that there will be a 15 day hold on the check before they refund the payment. I advised the representative that it was not a live check but a direct funds transfer from my bill pay so there is no need to hold the check and my account with Santander was closed and at XXXX balance due for over a year. She said that is their policy, I asked to talk to a supervisor and she said that they are not available but will have XXXX call me back. Later that day I went to my bank and talked to a banker and they called Santander to explain that the check was cleared from my bank account. My bank also faxed to them the receipt from my bank account. Santander said it will take up to 2 business days to upload to their system to review. My banker called Santander back two days later and was told they need my bank statement printed out. My banker sent Santander my tracking confirmation from my banks fraud department and was told again that it will take two business days to review. Two days later my banker called Santander and was told they can not talk to her about the account but any refunds will take up to XXXX45 days. At this time I was getting frustrated and called Santander myself, I spoke to a supervisor from their headquarters that transferred me back to their call center. I started recording my calls and as soon as I told them they were being recorded they told me they can not talk to me and hung up. I have sent Santander the receipt of payment that shows the funds that were sent from my account. I do not think they need my entire bank statement that has not even been sent out to me yet. Santander is keeping my XXXX and accruing interest in their account, XXXX of which should be in my account. They have not made any further attempt to contact me in regards to this " overpayment '' even though they have all my information from my closed account with them to do so. Overall

Company_public_response:
 dealing with them has been frustrating as I have been given many conflicting statements from different call center representatives."


Date_received: 05/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
My Chapter XXXX bankruptcy was discharged on XXXX XXXX, 2016 and XXXX XXXX was informed, yet after countless attempts they still refuse to report my account as open with a balance owed. I submitted a dispute to Trans Union on XXXX XXXX, 2016 and still XXXX XXXX refuse to correct the inaccurate information. I pay {$570.00} each month and my credit will never fully be restored if XXXX XXXX does n't correct the inaccurate information. Please HELP!!


Date_received: 05/13/2016
Product: Mortgage
Subproduct: Conventional fixed 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: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
To CFPB Team : I am currently facing a foreclosure situation with Wells Fargo. I am in the 4th year of a 5-year Chapter XXXX plan to save my house. I encountered XXXX hardships during my Chapter XXXX falling behind mortgage payments but continuing to make Chapter XXXX payments. Wells Fargo has been running me around the loan modification request and review process for over two years rejecting every request to capitalize my outstanding mortgage arrears and reducing my interest rate from 6.25 % to a market rate. Despite countless material violations of California Home Owner Bill of Rights, TILA and RESPA laws Wells Fargo has now filed a motion for Relief of Stay and hearing is scheduled for XXXX XXXX. My family and I would love to keep the house and resume mortgage payments but we cant get a fair representation with bank or owners of note ( Wells Fargo sold mortgage to XXXX in 2012 ). We are desperate for a solution as I am the only income earner in the house and take care of my wife, ederly mother-in-law and XXXX children. IS there anything the CFPB can do to intervene on our behalf to stop or delay the foreclosure process. We want to keep our house and resume making mortgage payments but Wells is only interested in foreclosure at this point despite numerous attempts to request home loan modification.


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: TX
ZIP_code: 772XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.


Date_received: 05/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
State: it is obvious that Equifax is to blame for this mistake."
Submitted_via: Equifax
Date_sent_to_company: WA
Company_response: 980XX
Timely_response: Older American
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
After going through several iterations of filing disputes and uploading supporting documentation in order to remove all mistaken references appearing on my Equifax Credit Report ( related to a closed home equity line of credit account with XXXX XXXX-see attached dispute resolution ) I am convinced that the record in my Equifax Credit File has corrupted data that can not be updated properly as directed by XXXX XXXX to Equifax. The dispute resolution clearly states, " The results are : The date closedhas been updated. This account has been updated. Additional information has been provided from the original source regarding this item. '' However

Company_public_response:
 when viewing my credit report ( or talking to an Equifax rep on the phone who is looking at the record on their system ) it is clear that the closed date field is still empty and all references to the Chapter XXXX Bankruptcy have not been removed as directed by the lender. Only the comment reference to "" re-investigation in process '' has been removed. Therefore

Company:
 either the system can not change the data due to corrupted data or the person performing the task is incompetent. Being that the other XXXX credit reporting agencies are reporting the same account properly from the same reporting info received from XXXX XXXX


Date_received: 05/02/2016
Product: Debt collection
Subproduct: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: College Assist
State: CO
ZIP_code: 804XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX, College Assist had XXXX contact me about a student loan that was consolidate through XXXX. During tax time, College Assist had department of the treasury, forward my federal tax return to them. Once I found out, I call College Assist, and they said it was an ERROR on their part, and my refund will be issue back to me. Now, XXXX tax year, they have once again are trying to collect for a account was already paid to them from XXXX Once again, they have taking my tax return. Once again, I 'm having to send proof that the account was paid off. XXXX, has closed my account, but then College Assist had ECMC make a request to gain my return, plus ask me for more money. The account in question is the same account that was paid from XXXX. XXXX has also talked to about the accounts, and verify all College Assist accounts under my name are Paid. I feel College Assist is trying to get double paid for accounts, and making false complaints that they have not been payment. Once I prove they have been paid, they get another collection company to try to get me to pay an account they know it have been paid. They also, are not helpful when it comes to proving the accounts have been unpaid, and do n't accept documents via fax or email that will prove the account was paid. They say send it via mail or fax, but some of their employees say different. Sounds very unprofessional. Their ethics, and tactics for consumer service is terrible.


Product: "" Once your 90 day waiting period is complete
Issue: I emailed Citibank again
Subissue: only to be told by yet another representative
Consumer_narrative: XXXX XXXX
Company_public_response: that I now have to wait till XXXX XXXX
Company: XXXX for the miles to post
Complaint_ID: Yes
Date_received:
Another Citibank representative, XXXX XXXX, sent me a secure message stating " records confirm you met all the requirements for promotion code XXXX. '' She also confirmed

Subproduct:
 the bonus miles will be applied on the next statement billing which will be no later than XX/XX/XXXX statement. '' After the miles did not post XX/XX/XXXX


Date_received: I have all of these correspondences. At this point
Product: we are approaching a second deadline
Issue: and a bait and switch tactic in the least
Complaint_ID: Yes
Subproduct:
 and I am out {$90.00} in terms of account fees for the XXXX checking account. The fees started in XXXX XXXX. I believe this is a financial scam at worst


Complaint_ID: Yes
Date_received:
I was in default with Wells Fargo ( XX/XX/XXXX - XX/XX/XXXX, loan sold to XXXX and XXXX is new servicer. XX/XX/XXXX - XX/XX/XXXX. I had zero control on Wells Fargo selling my loan to XXXX XXXX Loans ( for XXXX % of the balance of the loan, according to internet research ) Did Wells Fargo get paid from HUD as this was a FHA-Insured loan, then sell it to XXXX Trust for a discount, then buy it back, changing the terms of the approved, signed ( XXXX/XXXX/XXXX ) modification agreement? I believe they have and this is why ; XXXX/XXXX/XXXX - I signed the XXXX modification agreement, with these terms : Total Monthly Payment {$1200.00} ( {$850.00} Interest, {$390.00} Escrow ) *Ancillary Monthly Payment : XXXX - *Ancillary Monthly Payment : This includes some or all amounts that Servicer has advanced for real property taxes, insurance, water liens, or other amounts that XXXX have become due with respect to the Property. Servicer has spread the repayment of Ancillary Amounts over a period of XXXX ( hand-written XXXX ) months. 5-Year Interest Only, 4 % ( Was told not eligible for HAMP or HARP ) XXXX/XXXX/XXXX - Made first payment of {$1200.00} XXXX/XXXX/XXXX - Letter from XXXX XXXX Loans, indicating on XXXX/XXXX/XXXX the servicing of your mortgage loan will be transferred to Wells Fargo Home Mortgage . In bold letter the next paragraph reads as follows : " The transfer of the servicing of your mortgage loan to Wells Fargo Home Mortgage will not affect any term or condition of the mortgage. '' XXXX/XXXX/XXXX -Letter from Wells Fargo Home Mortgage. As of XXXX/XXXX/XXXX

Product:
 there is a balance of {$1200.00} ( XXXX Payment ) in an unapplied funds account on your mortgage. Because we do not accept partial payments? We 're unable to credit your account with these funds at this time. Instead

Subproduct:
 we 'll hold these funds until we receive the remaining amount of {$62.00} needed to apply to the XXXX XXXX


Complaint_ID: Yes
Date_received:
XXXX/XXXX/XXXX - I contacted Wells Fargo customer service as I wanted clarification as to why the payment increased {$62.00}? I was told the increase was a change in escrows and this happens all the time. Going forward


Product: you send us a check for {$5700.00} and your monthly payment will remain {$1300.00}. Option 2
Subproduct: we divide {$570000.00}
Issue: over the next 12 months
Complaint_ID: Yes
Date_received:
XXXX - XXXX - Received letter from Wells Fargo. A review of escrow account XX/XX/XXXX - XX/XX/XXXX has a negative balance of {$5700.00}. We 're providing you XXXX options. Option 1


Product: knowing for 5 years we would be paying {$850.00} in interest only
Subproduct: plus {$870.00} in Escrows. In XXXX
Issue: when XXXX owned/serviced the loan
Subissue: I paid {$1600.00} - ( {$400.00} Escrow - XX/XX/XXXX
Consumer_narrative: XX/XX/XXXX
Company_public_response: XX/XX/XXXX
State: {$450.00} Escrow
ZIP_code: taxes only
Submitted_via: XX/XX/XXXX
Date_sent_to_company: XX/XX/XXXX
Company_response: XX/XX/XXXX
Complaint_ID: Yes
Date_received:
XXXX/XXXX/XXXX - Statement from Wells Fargo. Total Payment due XXXX/XXXX/XXXX : Principal {$0.00} Interest {$850.00} Escrow {$870.00} Current Payment {$1700.00} Wells Fargo has changed the agreed upon modification and increased my payment {$480.00} for "" Escrow Shortage ''. My wife and I would had never accepted the modification

Company:
 XX/XX/XXXX 3 month Trial Period and first modification payment to XXXX XXXX XXXX ) {$1800.00} - ( Wells Fargo {$850.00} Interest


Product: as they will not accept anything less than {$1700.00}. Any help will be greatly appreciated."
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Wells Fargo & Company
Subissue: ME
Consumer_narrative: 044XX
Company: Consent provided
State: Web
ZIP_code: 03/29/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
I was encouraged to file a formal complaint and any help would be appreciated as we will fall into foreclosure with Wells Fargo


Product: and if so
Subproduct: to send me the release letter ''
Complaint_ID: Yes
Date_received:
Action taken by me ; I have called the representatives from both bank to get a reasonable answer with all efforts failed. I asked them to tell me " if my loan has been Discharged ''

Issue:
 but I have not been able to get an answer from the loan officers from either bank. They had refused to refinance my loan ... .with no valid explanation why? I thought the Law says within 14 days

Subissue:
 I am still waiting I need your help to send them a letter to explain the reasons why my loan is been transferred back and forth between the XXXX banks. I am a United a Citizen


Issue: but I was told is not XXXX
Subissue: It stated on the Loan document that it is "" XXXX Single Family Home ... '' booked by XXXX
Consumer_narrative: of NY back in XXXX My Loan documentation did not stated Conventional
Company_public_response: then they say it is not XXXX
Complaint_ID: Yes
Date_received:
My question that has not been answered or addressed so far is ; why did XXXX XXXX changed 30 years fixed rate of 6.625 % to end in XXXX

Product:
 when original loan document stated otherwise. They are using the re-modification term to fit the fixed rate mortgage

Subproduct:
 and I am no longer on re-modification program Secondly : why have they failed to refinanced my Loan or find a way to help me reduced my payment. and thirdly : Thirdly : my Loan document stated is XXXX


Date_received: 06/30/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: CA
ZIP_code: 941XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the associate had told me that I had to cancel my debit card ( {$400.00} ) in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Caliber Home Loans, Inc
State: NY
ZIP_code: 142XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
CALIBER LOANS have done everything against my wife and I on our mortgage loan with them. I paid them faithfully on XXXX of each month and never missed a payment. I sent them bank statements and supervisor letters from XXXX WHO TRANSFERED ME TO CALIBER. the beneficial letter was proof to CALIBER that I had not missed any payments with XXXX.now CALIBER IS GIVING WRONG INFO TO XXXX my current motgGE CO. AND THEY ARE HARRASSING ME FOR MORE MONEY SINCE caliber DECIDED TO CHANGE THE AMOUNT I OWED TO XXXX. MORE DOLLARS .please I am begging you help my wife and I with these predator companies.


Date_received: 05/13/2016
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: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing this complaint because 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: 05/16/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Receivable Recovery Services, LLC
State: LA
ZIP_code: 714XX
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 disputed this dept on my credit report on XXXX XXXX, 2016and on XXXX XXXX, 2016 the company responded to my dispute as verified so I call the company on XXXX XXXX, 2016 at XXXX I asked the representative about the dispute and why is it not being reported on my credit report as a medical bill instead of placed in collection. The representative asked me why was I disputing this account anyway, I advised him that the insurance paid this account. I also asked the representative what was he advised when they contacted the medical center to validate the debt, he responded with they do not have to contact the medical center with whom the original debt was made to validate it. According to 15 U.S. Code 1692g - Validation of debts paragraph ( A ) subsection ( 4 ) the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; The representative advised me " You needed to research the laws a little better before you start quoting laws to him ''."


Date_received: 05/17/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into Equifax procedure of removing satisfied judgments


Date_received: 04/01/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Southwest Credit Systems, L.P.
State: NJ
ZIP_code: 073XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/04/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
I was checking my credit report and I realesed this agency claims I have an account with XXXX and I owe them {$370.00} even though this debt is n't mine and I have not been contacted by this company about said bill. my credit is starting to decline and it is crippling my chances on finding employment


Subproduct: Nationstar Mortgage
Issue: CA
Subissue: 926XX
Company_public_response: Consent provided
Company: Web
State: 04/30/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Call again on XXXX XXXX - SSN, ZIP x XXXX - offshore, onshore, XXXX, XXXX XXXX. Supervisor says no, they ca n't do electronic transfer. Apologizes for my troubles and promises to send it XXXX on Monday. I have wasted hours of my time trying to get a simple check for money that is owed to me.


Date_received: 04/27/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Santander Consumer USA Holdings Inc
State: FL
ZIP_code: 335XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is the follow up from the companies response not providing validation about an account they continue to report. For this company to report the information and not be able to validate the account per the FCRA they should not be reporting anything. The letter they send actually indicated that they did not have proof of the account in question. They did however send a contract on another account that was in question.


Date_received: 06/30/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Company_public_response: XXXX XXXX ( XXXX ). Originally
State: and is now suing for legal fees
ZIP_code: they say were ratcheted up while representing XXXX. XXXX did NOT hire XXXX XXXX
Submitted_via: according to the conversation I had with an XXXX representation
Company_response: years ago
Consumer_disputed: Company believes it acted appropriately as authorized by contract or law
Complaint_ID: Bleier & Cox APC
Consumer_narrative:
XXXX XXXX, XXXX and her law firm, Cox and Bleier are attempting to sue for " legal fees '' they claim where accrued while trying to collect on a debt for plaintiff

Company:
 the debt went to collections in XXXX and was bought/transferred by several different agencies and attorneys over the years. Bleier purchased/acquired the debt recently from XXXX XXXX XXXX XXXX

Date_sent_to_company:
 soem time ago. Neither firm is the original collector. Bleier recently subpoenaed my bank statements on XXXX/XXXX/XXXX in an effort to move forward on the phony suit. Her office is using predatory practices to obtain money from those who fell behind on their bills and found themselves in debt

Timely_response:
 when the economy fell. The debt is over 7 years old and the statute of limitations have passed for this debt. They have no right to collect on any fees and did not represent XXXX in any fashion."


Date_received: 05/08/2016
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: OR
ZIP_code: 974XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I signed up for a Citigold checking account with a promotion which stated if I opened an account, made 2 bill pays in 2 months I would received XXXX Thank You points. I did the requirements and confirmed with Citi that the bonus had been applied and I would be getting the points within 90 days. I waited 120 days, and after getting no bonus I messaged to ask when the points would be given. Again, I was promised the points would be posted to my account, but after an investigation was opened I received a letter that no bonus had been applied to my account. I feel that I was told by Citi and confirmed the bonus would apply only to have them deny it when time came due to pay.


Date_received: 05/19/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company: BBVA Compass
State: AL
ZIP_code: 352XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
BBVA Compass is not following FHA 2016 guidelines, therefore consumers are being cheated and priced out of the home buying market due to its miscalculation of federal student loan monthly payments. It is calculating Income Based Repayment ( IBR ) the same as deferred student loans and states even if there is a $ XXXX monthly payment on the statement and on the credit report, this 2 % rule applies. BBVA Compass is determining monthly payments by calculating 2 % of the student loan balance. This is very unfair to consumers and goes against FHA guidelines. When confronted with this shocking revelation, I asked to speak with a supervisor and was transferred to a supervisor in XXXX, TX. He was very combative and argumentative, insisting that FHA guidelines states 2 % of the student loan balance should be used when determining monthly payments for IBR even if both the statement and credit report state a $ XXXX monthly payment.


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: continuously asking for the same stuff
State: just prolonging the review
ZIP_code: and then denying for not receiving everything. I have not received a denial
Date_sent_to_company: the bills
Company_response: the kids
Timely_response: working
Complaint_ID: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative:
I requested review of my account for a loan modification from my new servicer SLS. I was in the middle of working on a loan modification with my prior servicer XXXX XXXX XXXX and then received a letter that SLS has my loan account now. Of course, I had to start all over with providing documents. I did this and then received a couple follow-up letters requesting the same things, which I provided. The last time I received a letter it was dated XXXX XXXX, 2016 requesting a XXXX for the 3rd time and/or my tax transcripts. I uploaded both of these to the SLS website logged into my account, as per the letter I received. Since then I have logged into my account a couple times and it wo n't let me see anything. Every choice I choose, there is an error message in red stating " The page you have selected can not be viewed at this time. Please contact Customer Care. '' I figured SLS received everything needed and was allowing 30 days for them to review. I 'm not stupid

Company_public_response:
 I work for a mortgage company. I deal with loan modification requests all the time. This is ridiculous

Submitted_via:
 but did receive a new letter yesterday basically telling me that I could qualify for assistance and that I just needed to complete the RMA and provide docs. I have done this already! What is going on??? Just review my account and let me know if I can keep my home or not. My husband is terminally ill and I am trying to keep up with everything - between taking care of him

Consumer_disputed:
 and everything else going on. I am sick of the run- around that I get. I know that SLS needs to notify me whether they have received everything and can review and whether I have been denied or approved. I have not received anything since I uploaded the requested docs on XXXX XXXX."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: NC
Subissue: 274XX
Company_public_response: Consent provided
Company: Web
State: 05/08/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date_received:
This problem is widespread, and it appears Citi is appearing to not honor this agreement to many people. ( See pages like this : XXXX )


Subproduct: Amex
Issue: WA
Subissue: 981XX
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:
So, at what point did AMEX now think I was not a good candidate to carry their credit card? Before or after I challenged the APR increase. XXXX to XXXX? So they took retaliatory action against me. In the end, cancelling the card could have an impact to my DTI causing other creditors to raise rates.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: World Acceptance Corporation
State: TX
ZIP_code: 782XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I sent a cease and desist letter to World Finance several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.


Date_received: 02/24/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: 1st Franklin Financial Corporation
State: TN
ZIP_code: 373XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was referred to First Franklin for a first time loan, on my own. I was told by XXXX XXXX with whom I had a loan with that they would give me a better rate and that the woman I was referred to was a very good friend of that loan officer at XXXX XXXX. I have been out of work since last summer but had been making payments until XX/XX/XXXX when I just was completely unable to pay. I have paid some but am not caught up from being behind. I have been late but now have had them calling me 2 times a day. They have called my family and my father has XXXX and my mother is a XXXX. Today they called one of my best friends who owns a business trying to get her to pay. I was told my rate was a very competitive one. I only just found out that it is 30 % interest and they will not negotiate with me or lower my payment. Though I have been in contact verbally with an attorney and I will be either getting a home loan ( if my credit is n't ruined by them ) so I can get away from this awful situation or will have to go bankrupt to settle the XXXX XXXX and the XXXX accounts that have double whammeyed me when I had XXXX and had a XXXX. I am currently trying to get a home loan and have paid a small sum to both XXXX XXXX XXXX and First Franklin. I also received a letter from XXXX XXXX in the mail offering to reduce my payment and when hubbie and I went in they refused to reduce the payment and they also tried to renew our loan. Which we did not want but did try to work with them. We do not particularly want to go to bankruptcy but if we ca n't have our interest rate adjusted then we will be forced to do that as our loan debts are too high for us to pay. If we pay them at the 30 % rate there is nothing at all left for food or even for a trip to the doctor or to the dentist. We were tricked by these XXXX companies and by people who worked for them. Our first loan is with XXXX XXXX and it was with my husband and I. I was referred by a loan officer to her friend because she said her friend was new and would give us a better loan rate at First Franklin. Unfortunately, I believed her. The loan I got in my name alone is horrible and no one should get involved with such terrible people. They told us they would lower our rate and a paper they sent requesting us to come in and receive help was not true. They never tried to help us and they never were willing to negotiate a lower amount. They basically reentered our information and ignored all that we asked about getting help. In fact, they acted like they could not help us at all other than to give us another higher loan rate. And they turned down a loan which they suggested and it probably also lowered our credit rating. Which is just like getting beaten up by them over and over. Calling repeatedly during the day and calling my family, my friends is not acceptable business practice. We can not repay this high of a loan amount though we have tried to. We have actually more than paid back the amount we borrowed at XXXX XXXX and due to my loss of job, XXXX and a second illness. We just have no way to make this work out and the humiliating nature of these XXXX companies who have worked side by side to destroy us is unforgiveable.


Date_received: 05/05/2016
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: Citibank
State: VA
ZIP_code: 232XX
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:
After receiving Citibank offer in mail in XXXX, about applying for Citi XXXX account and performing XXXX bill pay in each of XXXX consecutive months I would get XXXX ThankYou points, I thought that that 's a great offer and I opened new account with Citi. Right after they approved me for new account, I contacted Citi via their secure message system to verify if offer noted on my account, I received confirmation of that ( XXXX ). I completed requirements in XXXX, and made an inquiry about my bonus in XXXX XXXX XXXX XXXX, but was told that I need to wait 3 months for that. Next inquiry was in XXXX ( XXXX ) when I was told that I will be getting my bonus in the beginning of XXXX. After my last inquiry in XXXX, I received letter that I 'm not eligible for promotion, and not getting my bonus.


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: Account Discovery Systems, LLC
State: VA
ZIP_code: 232XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX, Called my manager at my job and disclosed to her he was collecting a debt and would be turning this over if I do not reach out to him. He was never informed he could contact my job nor can they disclose this information to my employer. Also, I recieved a call on my cell phone about this and spoke with someone about 2 months ago telling them I did not know of such debt and requested a letter in mail and never recieved. I was told they are emailing me which is not proper form of communication.


Date_received: 05/13/2016
Product: Credit card
Issue: Credit card protection / Debt protection
State: so it is XXXX numbers ). When I called Citibank back
ZIP_code: they then transferred me and were able to stop the service
Submitted_via: though a few hours prior
Company_response: after being on the phone for more than 4 hours and speaking to no less than XXXX people
Complaint_ID: Yes
Consumer_narrative:
I was enrolled without my knowledge or consent in " XXXX '' and "" XXXX '' ( the name of the service changed ) from XXXX XXXX XXXX. This activity was deemed "" unfair and deceptive '' XXXX I never requested this service or product. I never used this service or product. I never was told about this service or product. When I became aware this service/product was being charged to my account every month

Company_public_response:
 I requested it to be removed. It was removed twice and added back on twice to my account without my consent or request. There were many hoops the customer service department had me jump through to remove this from my account. I was told to call XXXX as this was a separate company from Citibank and Citibank could not remove the service from my account. When I did so

Company:
 XXXX informed me they could not find my account as it required a XXXX digit number and my card was XXXX digits ( the card is a Citibank XXXX

Date_sent_to_company:
 I was told that was not possible. I was eventually transferred to the XXXX Department within Citibank. I spoke to multiple customer service representatives. Eventually


Product: but those can be estimated based on the other statements. Based on this
Issue: who knows. Much more."
Subissue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative: Citibank
Company_public_response: NY
Company: 100XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/13/2016
Company_response: Closed with monetary relief
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1923963
Date_received:
I have paid {$3000.00} into "" XXXX '' plus interest. I asked customer service for a "" lifetime total '' of what I paid into this service and they could "" not release that information to me ''. I requested my past statements to be mailed to me and I was told I could download them online. I began to do so ( you can download up to 6 per day and it takes XXXX48 hours to process ). I was able to obtain XXXX XXXX XXXX before I was spontaneously unable to download any further statements. I was able to pull my past transactions from XXXX which shows the payments made towards "" XXXX '' from XXXX XXXX XXXX. The only statements missing are XXXX XXXX XXXX

Subproduct:
 I was able to determine I paid {$3000.00} into "" XXXX XXXX '' and "" XXXX '' over the past 8 years. With interest


Date_received: 05/05/2016
Product: Credit card
Issue: Payoff process
Company: JPMorgan Chase & Co.
State: NY
ZIP_code: 115XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Is n't there a law that requires credit card companies to apply customer payments to the balance with the highest carried interest rate first? I have a Chase Visa that I 've realized has directed all my payments for at least 5 mos. to my 0 % promotional transfer balance, and left my purchase and expired promotional balances unpaid, which further increases the interest on these balances. I 'm almost certain the CFPB prohibits this practice, perhaps I 'm mistaken, would appreciate your input.


Date_received: 05/19/2016
Product: Credit card
Issue: Closing/Cancelling account
Company: Amex
State: MD
ZIP_code: 212XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
i was an american express card holder in good standing, had pay over time feature, in XXXX i charged a large bill, soon after theycancelled my charge over time feature, without notice and started charging me late fees. despite all my efforts to talk to them about, this unfair action they went ahead and cancelled my account witch had a lot of reward points, by saying my credit was bad,, which was not true as i had been with them for XXXX years, and had charged and paid almost XXXX dollars in 2015. all my efforts to reinstate my account have failed, i had told american express, that i had no problem in paying interest on account and will pay off my balance with in 2-3 months. This has been very unfair, All i want was to re-instate my account, charge me interest and i will payoff the balance, but they have refused to reinstate my account, confiscating lot of reward points that i had accumulated, over time, please HELP


Subproduct: Collection Bureau of America Ltd.
Issue: CT
Subissue: 060XX
Company_public_response: Consent provided
Company: Web
State: 05/19/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
XXXX XXXX was supposed to provide a credit of {$50.00} as part of first time discount when we started the services. Numerous calls and emails ( see the attached email communication ) did not result in any resolution. On top of it, they stopped the water supply since last XXXX months which has caused great inconvenience to my family.


Date_received: 05/19/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Arbor Residential Mortgage LLC
State: OR
ZIP_code: 972XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Seneca Mortgage is a loan servicer for XXXX. They collect the loan amount as well as hold money in escrow for taxes and insurance. Seneca Mortgage frequently changes the monthly amount owed in order to collect late fees - I automatically pay my mortgage the same amount monthly. Seneca will then make harassing phone calls that we have n't paid our mortgage in full and access a late fee. This is incorrect. We 've payed the mortgage and they 've changed the amount owed for taxes and insurance and then issue a late fee. I have requested that Seneca Mortgage no longer collect our taxes and insurance which they 've denied. I am well with my rights to do this as per XXXX guidelines XXXX I believe this is a fraudulent practice that must be affecting others that have loans with XXXX and being serviced by these crooks.


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: 344XX
Consumer_narrative: Older American, Servicemember
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:
I just do not trust them. Also, just forwarded info to a Law office in XXXX Md. that is where my home is located..


Date_received: 04/04/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: TX
ZIP_code: 787XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/04/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I wrote Experian in XX/XX/XXXX with concerns about errors on my credit report. They have failed to respond even though compelled by law!


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: GA
Subissue: 306XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/12/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I caused none of this. I was advised to be late on my mortgage payments ; I was caught in the middle of a recession and also diagnosed with XXXX XXXX all in a condensed period of time.


Date_received: 05/18/2016
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: Stellar Recovery Inc.
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I did n't know that the bill was send to collection without my knowledge, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.


Date_received: 05/19/2016
Product: Credit card
Issue: Balance transfer
Company_public_response: he said "" the bounce fee if from your bank
Company: not us
State: we can not credit you anything ''. I asked for their Rep # or ID
ZIP_code: they said they do not give those out to any customer
Submitted_via: I asked if I can record him on my phone saying that
Date_sent_to_company: he said if you record me I will hang up
Company_response: I am not allowed to be on a recorded call ''."
Consumer_disputed: JPMorgan Chase & Co.
Complaint_ID: CA
Consumer_narrative:
In XXXX 2016 the credit card company told me they mailed me a new card, I never received it, so they mailed me another XXXX. Neither card was requested by me and sent to me due to the credit card company putting electronic chips on the card. I received checks in the mail for this credit card for an offer for a zero % balance transfer. I could use the checks until XXXX XXXX 2016. On XXXX XXXX I deposited the balance transfer check for {$2900.00}. On XXXX XXXX the balance transfer check bounced. I called the credit card company and they said, the check is tied to the previous credit card number not my credit card account number so that is why the check bounced. Nowhere on the check did it say " if you receive a new card do not use these checks they will bounce '' NO WHERE. I asked the company to refund me the overdraft fee and bounce check fee and they refused. I spoke to a manager


Subproduct: Amex
Issue: NC
Subissue: 283XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/13/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
In addition, the American Express XXXX dept has blocked my email address from reaching all XXXX domain names. This is an incredible act of power over the consumer. Either they take customer concerns seriously or not ... ... to basically turn off my free speech by blocking my email address is unprecedented.


Date_received: 03/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: instead of applying to reduce our principal
ZIP_code: "" oh you just need to call us and let us know
Company_response: but this practice clearly offers no benefit to borrowers
Timely_response: particularly those who are current and who 's loan is in good standing."
Consumer_disputed: Company believes it acted appropriately as authorized by contract or law
Complaint_ID: Ditech Financial LLC
Consumer_narrative:
I received a statement from ditech notifying us that any partial payments ( additional but not yet an entire month 's payment ) will be held in an " un-applied funds account '' until it totals an entire mortgage payment

Company_public_response:
 then they 'll apply it to the mortgage. We 've been on time with our payments the length of the mortgage ( 5+ years ) and have been paying a little ( {$65.00} ) extra per month to be applied toward principal. Based on this statement

State:
 they 've created an "" account '' that now has {$360.00} in it. This "" account '' has no benefit to me ; it is not earning any interest nor has it been applied to my principal. I contacted ditech today and they said

Submitted_via:
 we can make an exception to your account to apply these extra amounts to principal. '' While perhaps my account is now squared away ( I 'll keep checking )

Date_sent_to_company:
 this seems like a pretty deceptive practice as a whole. It is my understanding that payments should be applied to the benefit of the borrower


Subproduct: swearing under penalty of perjury
Complaint_ID: Ditech Financial LLC
Date_received:
Where is their professional handwriting analysis? Where 's the affidavit that I requested? Because they have failed to remove this from my report and still " verify '' that it belongs to me

Product:
 that means that they are XXXX certain it belongs to me. That also means that they should have absolutely no problem signing an affidavit


Complaint_ID: Ditech Financial LLC
Date_received:
I pulled the bankruptcy petition from the pacer system ( apparently the same place they obtained it from ) and am including it with this letter


Date_received: 05/17/2016
Product: Credit card
Issue: Other
Company: Amex
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been trying to reach someone XXXX at American Express regarding suspected fraudulent balance information given out by XXXX automated system and can not get anyone in the XXXX. When i call XXXX in NYC they tell me my only recourse is to e mail the chairman.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Stellar Recovery Inc.
Issue: AR
Subissue: 720XX
Company_public_response: Consent provided
Company: Web
State: 06/29/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have NOT received any communications ( mail, email, phone, etc. ) from stellar recovery inc . This debt has not been validated or verified. I have not received any notice of a right to dispute before they reported to all XXXX major credit bureaus. There is not enough correct info to verify the debt or amount.


Date_received: 05/20/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Harvard Collections, LLC
State: FL
ZIP_code: 338XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Harvard collection company located in XXXX, has repeatedly refused to remove an inaccurate item from my credit report. The collection company has repeatedly attempted to make me pay for a medical bill that is not mine. I have sent them a certified letter demanding that they remove the inaccurate information from my credit file and requesting that they reinvestigate the debt in order for them to know that I did originate or have anything to do with the alleged debt.


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: Afni, Inc.
State: LA
ZIP_code: 701XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Regarding a collection notice from a company called Afni , Inc.I received a collection letter in the mail for payment on an account ( XXXX ) that I never had. I called the number and they asked for personal information that I did not give them. They provided an address and email that I did not recognize. They mailed me a package to complete an ID THEFT AFFIDAVIT and asked me to mail it back. After researching their company online I noticed many fraudulent collection complaints. I am now providing all the information to stop them from phishing for personal information and file an official complaint.


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: Bank of America
State: NY
ZIP_code: 115XX
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 opened a checking and savings account in XXXX XXXX with a promotion to receive {$300.00} for qualifying actions. I fulfilled these actions and the bonus was to be awarded within 90 days of qualifying. On XXXX XXXX, XXXX I contacted Bank of America and spoke with XXXX XXXX XXXX to inquire as to the status of the promotion and was advised that I would receive the incentive within 10-14 days. When I did not receive it I followed up on another 2 occasions within the next month or so. I was told that it would be escalated and should post within a week from those conversations. On XXXX XXXX, XXXX I was notified on my 4th call that it turned out that I did not qualify. I requested from XXXX ( name of manager I spoke with ) that it be escalated again to be reviewed since I was actually notified by XXXX separate representatives previously that I had qualified. I was told I would hear back within 30 days. I never heard back. On many of these calls, I waited for a supervisor to be brought on the line, and was also promised a call back from either the original representative or the supervisor him or herself within an arranged time frame. No one ever called. Furthermore, messages sent internally ( on follow up calls ) from XXXX representative to the original representative I spoke with remained unanswered and no follow up was ever done contrary to the promises provided. I received a notice via postal mail dated XXXX XXXX, XXXX that it was once again escalated and I would be notified in writing. I called again on XXXX XXXX, XXXX ( following 30 days of no response ) and in this call the supervisor I spoke with acknowledged the ongoing issue and guaranteed that I would receive the bonus and that it was just a matter of time. On XXXX XXXX, XXXX after not hearing back at all, I called once again only to be told that my escalation request was denied again for the same reasons that it was originally denied for : I did not qualify. However, the representative credited my account for {$50.00} for the promises that were unkept and my time that was wasted. I informed the representative that after they delivered what was promised to me by them, as an additional compensation, I would gladly accept those {$50.00}. I was strung along and promised things that could not or would not be delivered. My time was wasted. I was lied to or misinformed on multiple occasions. I contacted the bank at least 6 times over 4 months and yet this issue remains unresolved to my satisfaction.


Date_received: 05/06/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Deposits and withdrawals
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16 I called Chase to file a dispute with Chase Bank for charges on my account I did not authorize. The rep on the phone took my complaint and I was issued credits {$480.00}. Then on XXXX/XXXX/16 I received a voicemail from Chase with a message to call them back. Upon calling back I spoke to a rep who stated that the dispute was now closed and the credit was permanent. The next day ( XXXX/XXXX/16 ) I was again left another message from Chase. I again called in and explained that I had called in yesterday and they told me the dispute was granted only to be told that was a mistake on their part and it was in fact denied as the dispute was inadvertently coded wrong when the initial complaint was made on XXXX/XXXX/16 as " fraudulent '' not "" unauthorized '' as it should have been. The rep apologized for the error and said they were going to refile the complaint making sure it was coded as "" unauthorized '' not "" fraudulent ''. At that time


Date_received: On XXXX XXXX
Subproduct: XXXX
Complaint_ID: Yes
Product:
 2016 I was notified on my online account that I was overdrawn. Knowing that I should have had funds I went online and checked and saw that Chase had reversed the credits from the dispute. This time instead of calling just the dispute center I called my local Chase Branch ( XXXX XXXX XXXX XXXX


Product: spoke with XXXX
Issue: I decided it was time to take the complaint to this agency."
Consumer_narrative: JPMorgan Chase & Co.
Company_public_response: OH
Company: 449XX
State: Servicemember
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/06/2016
Company_response: Closed with monetary relief
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1912974
Date_received:
On XXXX/XXXX/16 I again saw that Chase had reversed another credit for the dispute. I again went to my local Chase branch and spoke to the branch manager XXXX XXXX. I provided XXXX with all of the documentation and he called the dispute center while I sat at his desk. The dispute center advised him that they never received the documentation per my previous call with XXXX. XXXX again got the fax number and faxed it while he was on the phone with them and also uploaded it to Chase 's secure online file system. XXXX told the rep on the phone that he had the proof that the charges were unauthorized and that the charges should be reversed. XXXX told me to follow up with him Monday to see if they got the documentation. On Monday XX/XX/XXXX I went back to the Chase office and met with XXXX he called the dispute resolution center

Subproduct:
 who said they reasserted the complaint and it would take 3 to 5 business days to review the documents. XXXX and I set up to follow up date of XXXX/XXXX/2016. On XX/XX/XXXX I met with XXXX and he called the dispute center to find out that they denied the claim again. This time we were told the claim was denied because of inconsistent fillings. XXXX tried to explain to them that the first filling was a mistake and that Chase refilled it correctly upon learning this. The dispute center told XXXX there was nothing else they could do the matter was closed. XXXX told me that he would file an internal complaint with Chase and he would again follow up with me in a few days. Today XXXX/XXXX/16 XXXX called me and advised that he spoke with his district manager regarding the complaint and there was nothing else they could do. At that time


Date_received: 05/11/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Company_public_response: claiming they have no discretion to work with credit agencies to resolve this matter."
Company: Company believes complaint is the result of an isolated error
State: Sallie Mae
ZIP_code: GA
Submitted_via: 305XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/11/2016
Complaint_ID: Closed with non-monetary relief
Consumer_narrative:
I was a co-signer on a Sallie Mae student loan. The primary borrower filed bankruptcy and ceased payments. I was not notified by the creditor that payments were late until AFTER the account went to collections. No voicemail 's, emails, or snail mail until after my near perfect credit score was damaged to the tune of XXXX points. Sallie Mae claims their fallible computer system shows notices were sent. They sent them to me for the first time as part of a XXXX complaint response at which point I confirmed I never received them the first time. Sallie Mae claims that removing this negative mark from my credit report is " illegal '' and a violation of the Fair Credit Reporting act


Date_received: 05/19/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Settlement process and costs
Company: JPMorgan Chase & Co.
State: NJ
ZIP_code: 080XX
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 submitted a complaint for the third time and it appears that JP Morgan Chase is not working on resolving this issue with me. I purchased my home in XXXX and I never refinanced my property. JP. Morgan Chase faxed over this XXXX what appears to be a new mortgage loan with my name forged on the HUD 1 which is government fraud, and the entire loan application. I am trying to discuss this in a professional manner in hopes that they will resolve this issue with me, but I have not gotten any results as of yet. I contacted the prosecutors office in XXXX nj and was informed to contact the local police and make a formal criminal complaint due to the forging of my name. I am reporting this again in the hopes that this will be resolved. I am also looking to contact the news and inform the public that this crisis with the mortgages in the United States appears to continue.


Product: then I imagine this could be a case of serious aggregate consumer harm."
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Wells Fargo & Company
Subissue: NY
Consumer_narrative: 100XX
Company: Consent provided
State: Web
ZIP_code: 05/08/2016
Submitted_via: Closed with monetary relief
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
I finally noticed this and called Wells to report the issue that had been going on for a year. They admitted that it was a mistake on their part and agreed to refund 70 % of the fees. However, they would only do this for the previous three months ' fees because " the tool for refunding only lets them go back 120 days. '' This does not seem like an acceptable reason for failing to compensate customers for their mistake : if they err and take {$120.00} from me then I should be entitled to all of it back without their own internal tools as barriers! If others have been experiencing the same problem of WF only refunding mistakes through 120 days prior


Date_received: 06/13/2016
Product: Debt collection
Subproduct: I do not know
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Element Global Services
State: CA
ZIP_code: 936XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Debt collector agent from Element Global Services continually calls me looking for someone I do not know. I have had this phone number for 30 years. They tell me they 'll remove my phone number but in a few weeks I get another call. The police department tells me he lives in the same town and they know who he is. This time the agent asked if I was his mother.


Subproduct: Ocwen
Issue: NY
Subissue: 103XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX were not in business on XXXX XXXX, 2015, when the assignment was executed.


Product: controls
Subproduct: verifications
Complaint_ID: Yes
Date_received:
It is not right to just have any random person decide to place any alleged debt to another person 's credit report. This alleged debt appeared as a debt on my credit report with no prior checks


Date_received: It is the same as anybody- your neighbor
Product: ex spouse
Issue: does not mail you anything
Subissue: does not take you to courts
Complaint_ID: Yes
Subproduct:
 ex employee ( XXXX ) would just make up a list of debts against you ( the reader ) and submit it to the Collection Agency. In turn Collection agency reports it to the Credit Bureau. Our XXXX does not attempt to resolve it with you


Product: Company disputes the facts presented in the complaint
Subproduct: National Credit Systems,Inc.
Issue: MO
Subissue: 631XX
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:
Responsible parties must be accountable for wrongdoing and the entry needs to be removed from my credit report. I need your assistance in this process."


Subproduct: Nationstar Mortgage
Issue: VA
Subissue: 232XX
Consumer_narrative: Servicemember
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:
Nation Star is also still charging me XXXX a month PMI I been paying this 10 years now. they want take it off because they said I do n't meet the LVT and I need to pay XXXX more dollars on my balance.


Date_received: 05/05/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: ERC
State: PA
ZIP_code: 190XX
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:
This company ( ERC XXXX XXXX XXXX, XXXX FL XXXX ) has threatened my credit rating, by assigning this debt to me without any proof, and no prior notice. This is not my debt. This is just an illegal attempt or scam to see if I would pay it.


Date_received: 05/08/2016
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: State Employee's Credit Union
State: CO
ZIP_code: 804XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Someone stole my check book, wrote themselves multiple checks, forged my signature, and cashed the checks worth {$6000.00}. I filed a police report, printed out the fake checks, and gave them to the bank so they can pay me back the money taken from me. It has been a year and a half, nothing has happened.


Subproduct: Equifax
Issue: IL
Subissue: 606XX
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 sent a dispute to the credit bureaus showing all of the documentation ( including certified mail receipts ) in order to prove that the creditors had not properly validated my debt and ask that it be removed from my account as is my right by law. Equifax replied by mail to tell me that all of the invalidated debts were still mine and staying on my credit report. As I start to look for a house, I am sure that these collection accounts will keep me from getting a mortgage even though the debts have not been validated as is required by law.


Date_received: 05/12/2016
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: MD
ZIP_code: 217XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have had difficulty receiving my free annual credit report from experian. At the last step it directs me to mail them information. This is inconvenient.


Date_received: 05/19/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Date_sent_to_company: supervisor
Company_response: will mail all XXXX to me from XXXX. Next
Consumer_narrative:
I received today, after my previous CFPB compaint today, my newest credit report Confirmation # XXXX dated XXXX XXXX XXXX. It has XXXX XXXX XXXX XXXX accounts disputed on XXXX sides of a single page. This complaint refers to the first page 's account which reads : " We researched the credit account. Account # - XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX XXXX XXXX

Company_public_response:
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX '' Then* "" We have researched the credit account. Account # XXXX The results are : we verified ... If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company:
 XXXX XXXX TX XXXX Phone ( XXXX ) XXXX. XXXX these communications are not anything appropriate or relevant to the time-barred XXXX date that account was closed by me and never reopened. It was not the bank 's to report. They ca n't report it. The word "" item '' has XXXX meanings. In the above quote

State:
 Equifax uses the word to refer to the account itself ; when my dispute is the date and the year XXXX being time-barred. On the report it says : "" Items As of Date Reported XXXX/XXXX/XXXX '' which once again makes obvious the reporting data furnished is the word "" items '' and not the account in its entirety. XXXX years time-barred reporting since I closed this account with someone other than XXXX XXXX XXXX and that that bank did not own nor did any of its alleged servicers own to sell them until XXXX. But

ZIP_code:
 to carry an account indefinitely on the books that had a zero balance at its acquisution in XXXX and to pretend that in XXXX it is FCRA compliant

Submitted_via:
 is disengenuous in the extreme. The math alone is at issue. The letter this month from XXXX XXXX XXXX said an internal computer issue in XXXX XXXX disseminated this to XXXX credit reports automatically. That too is false. XXXX was XXXX after the acquisition of the bank that XXXX alleges had the acount with me. Then XXXX has the 13 months prior to the stated computer issue reported for positive payment history. There were mo payments to report. XXXX XXXX

Timely_response:
 the word "" payment '' is not to be misconstrued with activity on a closed account in XXXX. That would be false. There was no reason to pay anything on a closed account. There was no negative reporting either. The reason XXXX XXXX XXXX persists on invading my credit report is fraudulently access my credit information as a subscriber of a current account in perpetuity. That is illegal. Second

Consumer_disputed:
 the SEC will get what I believe is evidence that XXXX is deceiving investors by keeping dead accounts on their books to give the impression these are vurrent assets and there is cash flow coming in from these accounts. I will go even gurther in saying that from what XXXX XXXX told me the bank continues to hold this as a current liability as well since XXXX

Complaint_ID:
 but that for annual reports purposes wants to appear to have a payment agreement in force to show the account was not written off. IT WAS NOT WRITTEN OFF. The entire matter is about the year XXXX preventing Equifax from reporting anything on this account. Thereis nothing to report whatsoever. To do so is misleading the readers of this credit report and serves no good purpose. More specifically


Date_received: 06/30/2016
Product: Bank account or service
Subproduct: Savings account
Issue: Deposits and withdrawals
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: SunTrust Banks, Inc.
State: MD
ZIP_code: 209XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Suntrust Bank employee XXXX XXXX violated my financial privacy when he provided my solely owned bank statements to a third party without consent of the owner or order of the court. The release of my information took place XXXX XXXX, 2013 in the XXXX District Circuit Court for XXXX XXXX County, XXXX XXXX, Maryland in Room XXXX.


Subproduct: Navient Solutions, Inc.
Issue: IL
Subissue: 606XX
Company_public_response: Consent provided
Company: Web
State: 04/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
For someone like me : XXXX XXXX XXXX, been out of college for 20 years, consistently paid what I could throughout the years, there is no hope of help for me. I have literally just given {$40000.00} of my money away. None of my payments have gone to paying my loan. And I am in more debt than when I started college. I believe when XXXX XXXX approached me when I was XXXX XXXX XXXX, I was the victim of predatory lending practices. All I wanted to do was go to school so I could better myself and get a good job. Now I 'm {$100000.00} in debt. I ca n't even buy a home and it has affected my credit. I net $ XXXX a year. I need to CFPB to help me finally resolve this issue -- call it even. I 've paid them {$40000.00} and there is no end in sight. At this rate, I 'll be XXXX XXXX XXXX and still paying on my student loan!!!! There must be a point when loans are waived -- beyond public forgiveness. Is n't there a XXXX threshold? HELP. I 'm drowning in student loan debt.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: CA
Subissue: 907XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/13/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This causes confusion and financial hardship. The bankruptcy was the idea of my then husband, XXXX XXXX, who is not my XXXX son 's birth father and who became tired of being the step-father of an XXXX young man and rebelled by committing what seemed like financial suicide. He got his car free because I paid for it and he stood to get a free house because his parents were near death and he would get their house, so he did not care anymore about our finances. I actually ended up paying many of the debts because I did not agree that we should file Chapter XXXX but I could not talk him out of it. I paid in full for both my XXXX and his XXXX. I got power attorney and paid the home loan that was in his name and assumed it and it is now in my name, XXXX XXXX number XXXX. I have never been late on any of my debts since my divorce from XXXX XXXX. Having this Chapter XXXX stay a year longer on Experion on serves to make it harder for me to get a loan to pay for my XXXX son 's XXXX. ( My XXXX son suffered XXXX caused by XXXX he was given for XXXX when we had to go to court to fight to keep our home and car and were allowed to, but XXXX was very difficult for XXXX to endure ). XXXX may have to suffer from XXXX a year longer because Experion is hanging onto the Chapter XXXX a year longer than the other credit bureaus. I hope that Experion will use the same guidelines that XXXX and XXXX are using regarding this Chapter XXXX.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company: Integrated Recovery Services
State: TX
ZIP_code: 785XX
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 received a call from Integrated Recovery Services about a pay day loan that they were trying to collect on. XXXX XXXX and XXXX XXXX both called me on my work phone and told me that if I did not pay I would be arrested this Friday, and this would be a felony. I tried to make a payment arrangement but they started to make fun of me and continued to say I would be arrested. I am filing a complaint and and willl also be contacting the Texas Attorney General in reference to this matter since it is a violation of State and Federal law. I am also requesting that this company no longer contact me because of their deceptive trade practices.


Date_received: 05/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: IL
ZIP_code: 616XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
EXPERIAN fails to remove the XXXX account. EXPERIAN reports that XXXX is the owner of this account. EXPERIAN reports incorrectly that this account is currently LATE. EXPERIAN reports incorrectly that this account is currently REVOLVING. EXPERIAN reports incorrectly this account 's date of first delinquency. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Company: Company believes it acted appropriately as authorized by contract or law
State: USAA Savings
ZIP_code: CA
Submitted_via: 944XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/05/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I have a home equity line of credit with USAA in the amount of XXXX. I am current in my payments with the loan, but have been late in the past. Due to previous late payments, USAA froze the account, meaning I am unable to borrow more money. However, they report it as " closed '' to the credit agencies. Having XXXX in revolving debt but not an offsetting amount of credit

Company_public_response:
 creates a credit utilization ratio of XXXX %. This significantly hurts my credit report and makes it impossible to get things like car loans or credit cards. The account is not "" closed '' it is frozen."


Date_received: 05/10/2016
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: 021XX
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:
On XXXX XXXX 2016 we were scammed by a company representing themselves as XXXX. On XXXX XXXX we advised Citibank that we had been scammed and the {$390.00} charge on our account was fraudulent. Citi told us to cancel our credit card and that they would take care of it. Citi sent us a letter saying they had our information and were investigating, and credited our account. In subsequent calls with Citi the dispute people were not aware of the XX/XX/XXXX statement that Citi had our information, and asked for a repeat which we were tardy to rely to. But we were having ongoing phone conversations during which Citi 's only response was that Congress had passed an act which said the if a consumer gives a merchant a credit card number there is no fraud. We heard this as Citi '' s position during all our phone calls. I do not believe that Citi once asked the XXXX about the merchants rating, or once looked at the FTC 's info on computer scams to see that ours was a typical and ongoing scam. Citi just relies on the Act that there was no fraud. The Merchant has on four different times said it would issue credit. We would like that credit and a credit of the fees charged to our account. Thank you


