# complaints

Product: LLC"
Subproduct: MD
Issue: 206XX
Subissue: Servicemember
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 06/08/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: medical
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Mariner Finance


Product: TX
Subproduct: 77026
Issue: Older American
Subissue: N/A
Consumer_narrative: Phone
Company_public_response: 05/29/2016
Company: Closed with explanation
State: Yes
ZIP_code: Yes
Complaint_ID: Yes
Date_received:
 Deceptions and shortcuts in mortgage servicing will not be tolerated| '' said CFPB Director XXXX XXXX. " XXXX took advantage of borrowers at every stage of the process. Today 's action sends a clear message that we will be vigilant about making sure that consumers are treated with the respect| dignity| and fairness they deserve. '' The proposed XXXX Consent Order is available at XXXX XXXX| a publicly traded XXXX corporation headquartered XXXX XXXX| XXXX| XXXX the largest nonbank mortgage servicer and the fourth-largest servicer overall in the United States. As a mortgage servicer| it is responsible for collecting payments from the mortgage borrower and forwarding those payments to the owner of the loan. It handles customer service| collections| loan modifications| and foreclosures. 

XXXX specializes in servicing subprime or delinquent loans and places a major emphasis on resolving delinquency through loss mitigation or foreclosure. In recent years| it has acquired competitors - including XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. It has also acquired the mortgage servicing rights from the portfolios of some of the country 's largest banks. 

The CFPB is charged with enforcing the Dodd-Frank Wall Street Reform and Consumer Protection Act which protects consumers from unfair| deceptive| or abusive acts or practices by mortgage servicers - whether they are a bank or nonbank. State financial regulators| state attorneys general| and the CFPB uncovered substantial evidence that XXXX violated state laws and the Dodd-Frank Act. 

In early XXXX| examinations by the XXXX XXXX XXXX| which is comprised of state financial regulators| identified potential violations at XXXX. In addition| the Federal Trade Commission referred its investigation of XXXX to the CFPB after the Bureau opened in XXXX XXXX. The Bureau then teamed with state XXXX and state regulators to investigate and resolve the issues identified. Today 's settlement is a multi-jurisdictional collaborative effort. 

Borrowers Pushed into Foreclosure by Servicing Errors The CFPB and its partner states believe that XXXX was engaged in significant and systemic misconduct that occurred at every stage of the mortgage servicing process. According to the complaint filed in the federal district court in the XXXX| XXXX 's violations of consumer financial protections put thousands of people across the country at risk of losing their homes. Specifically| the complaint says that XXXX : Took advantage of homeowners with servicing shortcuts and unauthorized fees : Customers relied on XXXX to| a 
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Wells Fargo & Company,FL,334XX,,Consent provided,Web,06/06/2016,Closed with explanation,Yes,Yes,1951239
05/24/2016,Debt collection,Credit card,Communication tactics,Called after sent written cease of comm,Department Stores National Bank has violated the North Carolina Debt Collection Act 75-50 to 75-56. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

Department Stores National Bank has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular base telephone number using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). 
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Citibank,NC,278XX,,Consent provided,Web,05/24/2016,Closed with explanation,Yes,Yes,1938754
05/27/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt was paid,,,Commonwealth Financial Systems| Inc.


Date_received: 05/24/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company_public_response: '' and he let me know he is a solid buyer with no issues. I relayed this to the seller
ZIP_code: so I had a local company run the buyers credit
Complaint_ID: Yes
Consumer_narrative:
I am a XXXX and have been a top producing agent for more than XXXX years. My buyer used Loan Depot to obtain financing. From the get go, XXXX XXXX ( lender at Loan Depot ) never returned emails. I would get a couple here and there, but I would have to send multiple emails to get a response. After 3 weeks of her having the contract and clsoing date, she sent an email out that we needed an extension on the closing because she just locked the buyers loan in. That is after 3 weeks of being under contract. I was getting no where with XXXX because all of her answers didnt help, so I had to get in touch with a Manager. I spoke to XXXX XXXX. That was about 3 weeks ago and he said he reviewed the buyers file and it was a " squeaky clean

Company:
 even with the sellers mother ( who is a broker in the area ) told me she does n't feel good about this company

State:
 and that is why they allowed the extension. I convinced the seller that everything would be ok and XXXX XXXX said the deal was going to be easy and there were not going to be any issues. All of a sudden I received an email from XXXX that stated the loan was denied. He would not give me any specifics

Submitted_via:
 well the buyer did not get financing because of his credit. Its sad that Loan Depot took 40 days to figure out his credit was going to be an issue. I do n't get it!! I looked at the pre-approval letter andit said this was already taken care of. This is something that should have been known from the get go. I feel bad for both the seller and buyer. The buyer wasted $ XXXX on the inspections and appraisal and the seller was purchasing a new home and wasted {$1000.00} on her inspections and appraisal. I am just tired of companies like this lying to buyers and sellers and it needs to end. I am a real estate broker and if I conducted business like this


Date_received: 05/27/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: XXXX XXXX
State: 2016
Complaint_ID: Yes
Consumer_narrative:
On XXXX, XXXX, 2016, I applied for a HAMP modification from my new loan servicer, Specialized Loan Services ( " SLS '' ). I am including a copy of the email submission page as well as a copy of the completed application. On XXXX XXXX

Company_public_response:
 I received a letter from SLS indicating that "" [ SLS ] is in receipt of [ my ] request for assistance. I have included a copy of the letter as well. As of today


Date_received: I am a XXXX person and suffer from mental ailments ( among other thing )
Product: so the anxiety caused by completing these applications is enormous. Nonetheless
Subproduct: since I have been through the process
Subissue: FCRA and other regulations
Consumer_narrative: statutes and agencies are supposed to police this kind of activity. In particular
Company_public_response: when I called SLS today
Date_sent_to_company: when I mentioned the assignment of the new relationship manager
Company_response: she indicated that I do n't have such an individual
Consumer_disputed: XXXX XXXX
Issue:
 I am very careful to include everything required in the application and to document the things being done. I am also fairly certain that this office

Company:
 I contacted my "" new Relationship Manager '' at the number and extension provided on another letter from SLS dated XXXX/XXXX/2016. After being routed through several different sections for a number of excruciating minutes

State:
 I was finally routed to someone who was completely clueless. She tried to suggest that I had n't applied

ZIP_code:
 but then acknowledged I had. She then said that my account had a note that I was missing information

Submitted_via:
 but my application did not need any information and I NEVER RECEIVED ANY NOTICE from SLS beyond the letters I have referenced in this account. Later

Timely_response:
 that it 's a "" group number '' and the conversation degraded when I tried to correct her with her own letter that specifically assigned me a new "" Relationship Manager ''

Complaint_ID:
 with a Teller ID. # of XXXX. XXXX does not exist nor does any so called relationship manager. This is a fraud being perpetuated by this company in direct countervention of the recent settlements and laws put in place to insure that people like me are given the right kind of attention in desperate financial situations when the house is on the line. As if that were not enough


Product: LLC"
Subproduct: FL
Issue: 34746
Consumer_narrative: N/A
Company_public_response: Postal mail
Company: 06/10/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: Yes
Date_received:
06/08/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt is not mine,,,Capio Partners

Complaint_ID:
 with a Teller ID. # of XXXX. XXXX does not exist nor does any so called relationship manager. This is a fraud being perpetuated by this company in direct countervention of the recent settlements and laws put in place to insure that people like me are given the right kind of attention in desperate financial situations when the house is on the line. As if that were not enough


Date_received: 05/27/2016
Product: Debt collection
Subproduct: Non-federal student loan
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Company_public_response: it suggests that XXXX notify employees of these actions. I am XXXX
Company: and I was n't notified. In one week
ZIP_code: ECMC representatives hang up
Submitted_via: play verbal games
Date_sent_to_company: claim that the only solution is to start sending them money
Timely_response: particularly over something that I do not owe
Consumer_disputed: but I am very annoyed that when you call for one thing
Consumer_narrative:
ECMC contacted my employer. I had never received any information, telephone call, document, or written correspondence from ECMC. XX/XX/XXXX, the first I heard of them was via my employer. ECMC would not provide me with any documentation, or tell me what I owed, and they made up different names for their customer service people ( the same person referred to himself as XXXX and then XXXX and then joked that he can be whomever he wants ). I looked them up online and utilized their online form ( they would not provide email or fax, and their mailing addresses require you to know what division to write to ) to submit a Cease and Desist. XX/XX/XXXX, ECMC began garnishing my wages through a third-party payroll company, XXXX. They did not contact me, and they did not contact my employer. XXXX did not notify me and will not provide any documentation. XXXX, who is not my employer, but a payroll company, began garnishing the same date they received the notice. ECMC will not produce documents, and XXXX will not produce documents. I live in the State of California ; I am XXXX as a XXXX by XXXX organizations, and I have never heard of something like this happening without any prior notification from anyone. In an online XXXX XXXX " XXXX '' issued by one of the professional organizations to which I belong

State:
 there are more than six hours worth of calls logged to ECMC Internal Collections and ECMC Customer Service. Time and time again

Company_response:
 and incorrectly state that bankruptcy will not provide a solution. I have no intention of filing for bankruptcy and never will

Complaint_ID:
 the representatives will waste your time reading information off of a screen that has no relevance to your actual situation. What I wanted and needed was to be notified of this action. Now that it has happened without notification


Product: Inc."
Subproduct: CA
Issue: 954XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 05/27/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,ECMC Group

Complaint_ID:
 the representatives will waste your time reading information off of a screen that has no relevance to your actual situation. What I wanted and needed was to be notified of this action. Now that it has happened without notification


Complaint_ID: Yes
Date_received:
I call the company ( Sears Mastercard ) and I 'm routed to Citibank for collections. They say I 'm 4 days past due and that there 's a {$29.00} late fee. I complain that Sears is intentionally not taking my money in order to collect {$29.00} without providing any product or service. They deny it and say I eneterd the " check '' numbers incorrectly when I call to make a payment. They have it set up in order to create as much work as possible for their credit card holders - they wo n't accept payment by debit card. Paying by debit card you can see nearly instantly if the money was taken. Paying by routing/account numbers it can take as long as 5 days for the money to be taken


Date_received: They hang up. I call again
Complaint_ID: Yes
Product:
 make the same accusation. I told them to remove the late fee or I would close the account. They ( employee XXXX ) said they would remove the {$29.00} late fee and I have to give the person ( XXXX ) my routing / account numbers. So I assume i was n't charged {$29.00}


Product: LLC"
Subproduct: TX
Issue: 786XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 05/28/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,JH Portfolio Debt Equities


Issue: Company believes it acted appropriately as authorized by contract or law
Subissue: LoanDepot
Consumer_narrative: AZ
Company_public_response: 85338
State: Consent not provided
ZIP_code: Web
Submitted_via: 05/29/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Date_received:
 Up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process if you call today. Again you have only today to rectify this matter. Please advise. You must call by XXXX today Wednesday XXXX XXXX at XXXX. Again we must hear from you or council immediately no later than XXXX today at XXXX. To be connected to a representative press XXXX now. This is a final urgent message. This matter is private and confidential. If this is not XXXX please hang up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being! audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process .... '' Message received on XXXX/XXXX/2016| XXXX ( XXXX ). Length XXXX seconds. 

This is a print out from my father 's voice mail which is the same that I received. I called this number back and was directed to a male who was very unprofessional. Raising their voice and saying things such as and I quote " If it were me I would get off the couch and pay the bill '' as if to imply that I am just being lazy. These practices are against the law. I have not received anything in writing. Only phone calls threatening legal action. I have requested written documents but have not ever been given anything. 
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Cottonwood Financial Ltd.,TX,765XX,Servicemember,Consent provided,Web,06/08/2016,Closed with explanation,Yes,Yes,1959255
05/29/2016,Mortgage,Conventional fixed mortgage,Loan servicing| payments| escrow account


Date_received: 06/08/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
XXXX Despite $ XXXX settlement, Wells Fargo still facing DOJ probe into mortgage operations LENDINGSERVICING Despite $ XXXX settlement, Wells Fargo still facing DOJ probe into mortgage operations Discloses ongoing federal and state investigations XXXX XXXX, XXXX XXXX XXXX XXXX XXXX KEYWORDS DEPARTMENT OF JUSTICE DOJ FALSE CLAIMS ACT FEDERAL HOUSING ADMINISTRATION FHA WELLS FARGO WELLS FARGO HOME MORTGAGE WELLS FARGO MORTGAGE Wells Fargo Despite recently agreeing to a {$1.00} XXXX settlement with the federal government to resolve claims related to its Federal Housing Administration lending program from XXXX, Wells Fargo is still facing investigations into its " mortgage related practices '' from the Department of Justice XXXX as well as other federal and state agencies


Date_received: According to a XXXX report
Subproduct: the XXXX for the XXXX XXXX XXXX XXXX
Complaint_ID: Yes
Product:
 Wells Fargo stated in is XXXX filing with the XXXX that the bank is currently under investigation by a number of agencies over the mortgage operations of both Wells Fargo and its "" predecessor institutions. '' The news of the ongoing investigations come less than a month after Wells Fargo agreed to the more than {$1.00} XXXX settlement with the DOJ


Complaint_ID: Yes
Date_received:
 Although Wells Fargo and the Federal Government have reached an agreement in principle to resolve these matters

Product:
 there can be no assurance that Wells Fargo and the Federal Government will agree on the final documentation of the settlement


Subproduct: '' as of XXXX XXXX
Complaint_ID: Yes
Date_received:
Wells Fargo also stated that it has established a potential liability for its "" contingent litigation losses

Product:
 '' based ona "" range of potential losses for each matter that is both probable and estimable. '' Wells Fargo stated that the "" high end of the range of reasonably possible potential litigation losses in excess of the company 's liability for probable and estimable losses was approximately {$1.00} XXXX


Date_received: For these matters and others where an unfavorable outcome is reasonably possible but not probable
Complaint_ID: Yes
Product:
 there may be a range of possible losses in excess of the established liability that can not be estimated


Date_received: Based on information currently available
Product: advice of counsel
Subproduct: available insurance coverage and established reserves
Subissue: including the matters described above
Consumer_narrative: will not
Company_public_response: individually or in the aggregate
Company: have a material adverse effect on Wells Fargo 's consolidated financial position
State: '' Wells Fargo stated. "" However
ZIP_code: in the event of unexpected future developments
Submitted_via: it is possible that the ultimate resolution of those matters
Date_sent_to_company: if unfavorable
Complaint_ID: Yes
Issue:
 Wells Fargo believes that the eventual outcome of the actions against Wells Fargo and/or its subsidiaries

Company_response:
 may be material to Wells Fargo 's results of operations for any particular period. '' REPRINTS AddThis Sharing Buttons Related Articles Wells Fargo fined {$81.00} XXXX for violating federal bankruptcy rules Wells Fargo


Complaint_ID: Yes
Date_received:
I refused to do so as this would mean the agent would be able to access my XXXX account online. After complaining about this to Citi, the reply from one of their Security Specialists was " in regards to your XXXX ID and password

Product:
 we are able to ask for that information over the phone at this time. '' Although he confirmed that he 'd be escalating the matter further


Date_received: ( 2 ) It 's been months
Product: if not years
Issue: and made a payment online. However
Subissue: they said it was entered with the wrong information. They never proved it. It may be fraud. Yes
Complaint_ID: Yes
Subproduct:
 that their online payment system has been strange. It used to ask questions that were nonsensical. I finally called them to get things straightened out


Date_received: ( 3 ) Most recently
Product: their business changed in some way
Issue: I spoke with XXXX XXXX
Subissue: and she said that my previous payments of {$59.00} ( the automated system 's minimum due )
Consumer_narrative: had been too low. I was following what the automated system said. Most importantly
Complaint_ID: Yes
Subproduct:
 and the minimum due increased by about 50 % ( from {$59.00} to over {$90.00} ). I barely use the card. Today


Product: Inc"
Subproduct: GA
Issue: 32443
Subissue: Older American, Servicemember
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 06/03/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
06/03/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt was paid,,Company believes it acted appropriately as authorized by contract or law,United Resource Systems


Date_received: 05/30/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: judging from MAS ' reporting method
Complaint_ID: Yes
Consumer_narrative:
Merchants Adjustment Service ( MAS ) has " willy nilly '' placed a {$110.00} collection on my XXXX credit report. It does not state the original creditor

Company_public_response:
 so in actuality MAS is stating that I owe this money to them. This is bogus reporting and is causing a hit to my credit score. I do not owe this company anything and


Product: INC."
Subproduct: AL
Issue: 352XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 05/30/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,MERCHANTS ADJUSTMENT SERVICE


Date_received: 05/19/2016
Product: Credit card
Issue: Credit determination
Company: cars
Complaint_ID: Yes
Consumer_narrative:
While Bank of America has a right to extend or withdrawal a credit line at their leisure. I find their business practice to reduce a {$9000.00} credit line to {$500.00} on a perfect payment history and sufficient income to meed internal fiscal goals and lay a bogus claim that I 'm not a good risk with an average credit score and average spending and borrowing habits very concerning. Their action while it may server their purpose whatever that might be affects my credit rating, a rating I 've been working on for a long time to establish in a purley positive direction. Their action will take up to XXXX points on my score while they used me to meet their repayment of TARP and now that they do n't need to they are " reducing risk. '' I opened this card with a {$2000.00} credit line and they freely gave a line of {$9000.00}. To reduce my total credit line with the bank to {$500.00} from a total of {$14000.00} across XXXX cards because I take out a loan and close all but XXXX revolving lines does n't make sense to me. If I want to pay XXXX a month on debt and I have the income to do it that 's my perogative. The questions asked in the credit determination were insufficient to make an accurate determination. I gave my loan payment amount monthly. I gave my current monthly liquid assets and answered questions about my lines of credit. The man

Company_public_response:
 XXXX made some rediculus comment about the unsecured ammount lent to me was too high ( as if people do n't have loans 4 times larger than their income with houses

State:
 school etc. that even some secured they often do n't recoup anywhere near the full investment amount ). Yet here I am with a perfect payment history

ZIP_code:
 sufficient income to exceed all my minimum payment requirements after all bills paid monthly for at least a total of about {$50000.00} of average interest and this man wants to say that he can only safely make money off of me with a {$500.00} credit line. I told him that I would stop using the bank and was going to cancel the card and he did n't care. So I am in the process of switching banks and will keep the card at {$0.00} only because it serves my length of credit history on open accounts reported. But they will not make money off my money. Whatever they are doing is not with the consumer in mind and this disruptive business practice that affects credit scores and financial planning is a shame


Date_received: 06/09/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: and again insisted that my only option was to "" Consolidate '' the debt. I declined
Complaint_ID: Yes
Consumer_narrative:
After leaving school & subsequently defaulting on my student loans 10 years ago, I recently sought to begin repaying my student debt. Per ed.gov website instructions I contacted student loan manager at the school holding the debt on my Federal Perkins Loan, who then referred me to the collection agency now responsible for resolving the [ XXXX XXXX ] debt. The collection agency in charge of my Perkins Loan insisted that in order to resolve the Perkins Loan [ {$7600.00} ] debt I must " Consolidate '' all of my [ other ] outstanding defaulted student loans with them. I declined and specifically requested to "" Rehabilitate '' only my defaulted Perkins Loan with this agency now in charge of the Perkins Loan debt. The collection agency refused to offer me "" Rehabilitation '' on my Perkins Loan at all


Complaint_ID: Yes
Date_received:
Immediately following that phone conversation I emailed the student loan manager at the school and advised her of my concerns that the collection agency was being less than honest about my repayment options

Product:
 she advised me that although the agent I spoke to was incorrect about my option to "" Rehab '' the loan


Complaint_ID: Yes
Date_received:
Again I immediately contacted ( by email ) the student loan manager at the school explaining that I have been out of work for an extended period of time and I can not afford such a high payment

Product:
 and requested an appeal or other process to reduce what I am being told is a mandatory minimum payment to "" Rehabilitate '' the Loan. The student loan manager emailed me back stating that the collection agency is correct


Product: on the phone & by email
Issue: despite knowing that such payments would cause significant "" hardship for the borrower '' [ me ]
Complaint_ID: Yes
Date_received:
My complaint is that a ) the collection agency has been intentionally dishonest regarding my repayment options ; b ) both the collection agency and the university 's student loan manager continue to insist to me

Subproduct:
 that my minimum "" Rehabilitation '' payment must be significantly larger than that indicated by the DOE 's published regulations regarding defaulted Perkins Loans


Product: Inc."
Subproduct: CO
Issue: 802XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 06/09/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
,Company believes complaint caused principally by actions of third party outside the control or direction of the company,Account Control Technology


Complaint_ID: Yes
Date_received:
Even while leaving the premises, handed over the letter took the copy of it ( original is with XXXX XXXX XXXX ) XXXX/XXXX did say " you are good to go '' if any amount is due they would have told me on that day itself there was amount for close to $ 600+ for apartment damages which they were mentioning I did ask for proof but never heard back

Product:
 I told them based on the evidence document and further evaluation I will pay any differential amount if it exceeds {$300.00}


Date_received: 06/10/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: they did finally posted the payment
Company: I immediately made the next months payment. Now
State: they decided to report on my credit that I was late
Complaint_ID: Yes
Consumer_narrative:
Consumer Financial Protection Bureau ( " CFPB '' ) Complaint No : XXXX Ditech Financial LLC Account No. XXXX I submitted a complaint reference above because Ditech refused to post my payment. After almost two months


Complaint_ID: Yes
Date_received:
Lender 's appraisal management company is in violation of XX/XX/XXXX CFPB Dodd-Frank Mortgage Rules. XXXX said "" we are obligated to guidelines of the Dodd Frank Act

Product:
 and we are mindful not to over-impose on the appraiser independence to the point of retribution '' XXXX/XXXX/XXXX email attached


Date_received: Under these conditions
Product: it seems that using rough calculations
Subproduct: the lender was due aprox. {$890.00} of interest for XXXX
Issue: XXXX
Subissue: XXXX
Consumer_narrative: XXXX
Company_public_response: XXXX
Company: XXXX
ZIP_code: ( i.e. using 190 days as the loan period )
Complaint_ID: Yes
State:
 plus 9 days in XXXX. This amounts to 6.3 months. {$890.00} x 6.3 = {$5600.00}. Using other online mortgage interest calculators

Submitted_via:
 total interest would have come to {$5600.00}. Using either of these methods of calculating the total interest the lender had the authority to collect shows it was somewhere around {$5600.00}. However


Product: when in fact
Issue: to close on XXXX/XXXX/XXXX
Complaint_ID: Yes
Date_received:
I believe that this error happened at least partially due to shoddy accounting on part of the lender. ( The lender mistakenly paid my taxes and insurance twice and had to correct this as well ). I received a call from the lender on aprox. XXXX/XXXX/XXXX indicating that the account was past due 30 days

Subproduct:
 I had pre-paid the mortgage and the lender had been holding payments in a side account and was not applying them to the account as expected. The lender 's agent told me at that time that I was correct and that I could request that the account be looked at by a specialist for reapplication of the funds processed. The agent confirmed that the lender would not pursue negative credit bureau reporting and that no late fees would be charged. I alerted the agent that a re-fi was in process


Complaint_ID: Yes
Date_received:
Despite the agent 's commitment to no negative reporting and no late fees ( because he agreed that I had prepaid the account and that the lender had just misapplied the funds due to computer program sweep procedures )


Product: all via phone. Each time
Subproduct: they promised just a "" 2-3 days '' to process. Mid-month
Issue: when no information had been received
Consumer_narrative: on aprox. XXXX/XXXX/XXXX I submitted an online request for the interest calculations
Company: showing the amount charged
State: but no calculations as to how that amount was determined. So far
Complaint_ID: Yes
Date_received:
I have spoken with the lender at least 6 times since XXXX/XXXX/XXXX pursuing obtaining a re-assessment of the account to verify accuracy

Subissue:
 I called again and the lender admitted that they disregarded my request because the loan was paid off. I re-requested the information. After no info received

Company_public_response:
 explaining that I believed I had been overcharged interest. Their XXXX/XXXX/XXXX response was to email me a generic account listing


Product: LLC"
Subproduct: WI
Issue: 532XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 06/01/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Stearns Ventures


Product: I will get the car fixed and continue making payments '' Despite my strong and clear emphasis
Subproduct: Ally failed again
Complaint_ID: Yes
Date_received:
The reason why this should not be held against me is because Ally failed not only to ensure the vehicle had proper coverage but they failed to submit appropriate financial agreements 3 times as well as the main issue here which was surrendering the vehicle and title of ownership to XXXX XXXX XXXX XXXX despite my request for Ally NOT to do so because this agency was not paying the car loan. I stated that I wanted to get the vehicle fixed with the monetary compensation of {$7000.00} towards repairs/loan balance, and I would continue paying my monthly car payments. I strongly emphasized that the insurance adjustor XXXX XXXX from XXXX XXXX was not performing his job with integrity and that he was not to obtain any releases for the vehicle nor the vehicle title because he was not paying out what was owed and I did not want to be left with the remaining debt. I clearly stated " do not release the vehicle nor the title


Date_received: In addition to this
Product: legally
Complaint_ID: Yes
Subproduct:
 per insurance fraud special investigation unit consultant ( name of agent available upon request ) I did not own the vehicle nor did I have title rights

Issue:
 therefore Ally acted at their own judgement as sole owners of this vehicle. What XXXX XXXX XXXX did in efforts to obtain this vehicle on behalf of his employer and ultimately sell it at an auction was unethical


Date_received: 03/29/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: Nationstar has no right or authority to grant or deny
ZIP_code: it is automatic by law. Because the voiding is done by operation of law
Complaint_ID: Yes
Consumer_narrative:
To Whom It May Concern, I am filing this Complaint with the CFPB because of Nationstar Mortgage LLC 's, herein Nationstar, blatant disregard for the law. I have been fighting to save my home since XXXX. Upon hearing and learning about the questionable practices from our nation 's stop mortgage servicers, I decided to inquire more about my debt obligation. In doing so, I discovered that I too have been a victim of shoddy mortgage practices. As a result of my research, I mailed to my servicer, Nationstar a Notice to Rescind on XXXX XXXX, XXXX. Nationstar received my Notice to Rescind on XXXX XXXX, XXXX. Nationstar failed to take the necessary and mandatory steps under the Truth in Lending Act, herein TILA, by unwinding the transaction and sending me a reconveyance on the debt or file a lawsuit against me within 20 days. Under the Act, Nationstar had 20 days to take these mandatory steps, they did neither. The first step mandatory step under TILA is that it automatically cancels the Deed of Trust and the debt by operation of law. Congress intended TILA to be self-enforcing. It appears that Nationstar has no interest in following the steps mandated under TILA. The statute and regulation clearly specify that the security interest and promissory note arising by operation of law on the property becomes automatically void. The Official Staff Commentary, a commentary by the Federal Reserve, has stated the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded or perfected ''. Furthermore

Company_public_response:
 the security interest is void and of no legal effect irrespective of whether the creditor makes any affirmative response to the notice. Under TILA

State:
 agree or disagree with my Notice to Rescind. Strict construction of Regulation Z would indicate that the voiding be considered absolute and not subject to judicial modification. The statute makes no distinction between the right to rescind in 3-day or extended as neither cases nor statute give the courts equitable discretion to alter TILA 's substantive provisions. There is no burden of proof for me to make the rescission effective. The voiding of the security interest is not a procedure in a sense to be followed or an action to be taken

Submitted_via:
 any foreclosure activity currently pending on my property must be canceled forthwith. There can not be a legal foreclosure n a Deed of Trust that is null and void and has been canceled. If Nationstar or my actual creditor wanted to challenge my Notice to Rescind

Date_sent_to_company:
 they had to have filed a lawsuit against me challenging the rescission as a creditor. They failed to take this action. Since Nationstar and/or my actual creditor failed to take that action

Company_response:
 Nationstar has no right or standing to challenge it now as any defense to my Notice to Rescind are now barred and is effective as of the date it was mailed. Given the blantant disregard and disrespect to my TILA rescission rights


Complaint_ID: Yes
Date_received:
XXXX. Midland Attorney XXXX XXXX falsely claimed XXXX XXXX, XXXX to Consumer that Consent Order only applies in Federal Court and not in effect before XXXX XXXX, XXXX. Conversation : Court " Return Date ''


Complaint_ID: Yes
Date_received:
7. Noncompliant with having required account level documentation available prior to filing lawsuit. Midland only sent to Consumer and stated they only have charge-off statement amount


Complaint_ID: Yes
Date_received:
9. Refused to provide account level documentation as requested by consumer. In-house attorney for Midland


Date_received: XXXX. Coercive Use of pre-lawsuit Letter of Collection ( XXXX XXXX
Complaint_ID: Yes
Product:
 XXXX ) to intimidate Consumer by false threat of litigation & saying account is in Legal Department. Attachment : mcm XXXX XXXX XXXX false threat of litigation.pdf XXXX. XXXX illegally sold debt to XXXX without questions by XXXX. Did not check validity when disputed by XXXX. Account invalid before sold as XXXX unlawfully defaulted on workout plan about XXXX XXXX. Account illegally sold by XXXX without information on work-out plan -- 0 % APR on first and then a second plan. XXXX XXXX refused XXXX XXXX


Complaint_ID: Yes
Date_received:
04/20/2016,Credit reporting,,Unable to get credit report/credit score,Problem getting my free annual report,Multiple attempts to get my Experian report online ( XXXX ) have failed in spite of entering accurate responses to their questions. This only happens with Experian. It should not be so difficult to get my report

Product:
 they are making it intentionally difficult and do not provide adequate or timely methods to resolve report request related issues. It feels as though they intentionally provide contact info


Date_received: 03/23/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: actually disrespectful to me
State: which Im not complaining about
ZIP_code: I realize that work needs to be put in for the outcome I was looking for
Complaint_ID: Yes
Consumer_narrative:
I need to report CitiMortgage for not cooperating with me in trying to do a modification through the government program. I have been trying to do a modification with them since XXXX 2014. My file has been restarted numerous times, always with a new account rep every few weeks, which resulted in the ball being dropped numerous times. Then I myself had to restart the process of submitting documents. I complied and submitted hundreds of pages over the last 2 years and every time I am told they have " expired '' and needed to be redone ... I 've been told one time upon submission to underwriting the processor totally did not include one of my incomes on "" accident '' so again I started over ... .I believe they do n't want to participate in this program ( Home Affordable ) but are mandated to do so they just make it to difficult to actually get it through and qualified. After working so hard on this file since XXXX 2014 I now am just giving up and I believe that is what they were waiting to happen. The process with Citi has been totally unprofessional

Company:
 and impossible! I am beyond sad after trying for over 2 years that I just emotionally cant try again ... It has been a huge amount of time and energy and work on my end


Product: Inc."
Subproduct: UT
Issue: 84129
Subissue: Older American
Consumer_narrative: N/A
Company_public_response: Referral
Company: 04/21/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/20/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Complaint_ID: Yes
Date_received:
When my wife lost her job 4 years ago, we contacted Santander Bank to let them know we were going to have difficulty making our mortgage payment because of the loss of income we were about to endure. They sent us a modification packet which we filled out completely and returned it with the asked for, supporting documents. Every time we would call to check on the status, we were put on hold for long periods of time, transferred to voicemails that never returned calls, never could get a hold of the person that was supposedly handling our file ; this went on for months. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' We were given different account managers

Product:
 told to submit and resubmit documents and probably submitted XXXX different complete packages in months that turned into years of frustration


Subproduct: I went through the same runaround every time with no success
Complaint_ID: Yes
Date_received:
After the foreclosure had gone through we continued to call them and I had a conversation with an employee there that said if we were foreclosed on while trying to get a mod.

Product:
 we may have been foreclosed on unlawfully. He told me he would check into it and get back to me. After I hung up the phone I realized that I had n't gotten his name or direct #. I never heard from him or anyone else. Every time I called


Date_received: We now have been served with Eviction Paperwork
Complaint_ID: Yes
Product:
 telling us we have to be out by XX/XX/XXXX! We have nowhere to go and not enough resources to move. What are we going to do??? We need someone to hold Santander Bank accountable for this "" unlawful foreclosure '' that has occurred that may leave us homeless if someone does n't intervene and "" stay '' the eviction process while there is some kind of internal investigation at Santander Bank regarding our home. They need to be held accountable for their egregious


Date_received: 04/08/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Complaint_ID: Yes
Consumer_narrative:
At XXXX XXXX, I received a call from a collection agency call " Vision Financial '' the collector named XXXX XXXX

Company_public_response:
 he was agressive and insulting. I advised him of the time and he stated that I was "" refusing to take care of my debt and I am a DEAD BEAT '' 1. This company calls me once a week

Company:
 and I have asked them to stop. I have limited minutes on a cell phone. I asked for an address previously to put this in writing


Product: so you do n't have bills why are you being a dead beat? '' It is inappropriate
Subproduct: insulting
Complaint_ID: Yes
Date_received:
This company has violated my rights. They have made aggressive and inappropriate comments such as "" you are homeless


Date_received: Chase however responded back
Subproduct: another XXXX bill of mine had fallen behind on the same date due to the bookkeeper 's error
Complaint_ID: Yes
Product:
 by simply sending me statements and claiming that the payment was not received on time and that they wo n't remove the late payment despite the fact that I have proven to them this was a 3rd party error and I had sufficient funds to make the payment ( see attached response ). Additionally


Product: Inc."
Subproduct: PA
Issue: 19001
Consumer_narrative: N/A
Company_public_response: Phone
Company: 04/11/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/11/2016,Credit reporting,,Credit reporting company's investigation,Problem with statement of dispute,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Complaint_ID: Yes
Date_received:
I hope that you will see that only WF is gaining from this modifacation. By extending my loan out another 10 years

Product:
 my loan will never get repaid as it will take me another 11 years ( or more ) to get the interest paid down before I will actually be paying on loan


Complaint_ID: Yes
Date_received:
I do n't believe this is what the HAMP program had intended and because WF is in control of the modifacation and likes it this way


Date_received: Since this has happened
Product: and my loan payment is still pretty high
Complaint_ID: Yes
Subproduct:
 I have been unable to make my credit card payment and my credit score is now in the poor range. I will never be able to requalify for a new loan


Product: not electronically in an email
Subproduct: not in the postal mail
Consumer_narrative: nada
Company_public_response: zilch. Today
State: my account is over due without my knowledge. So
Complaint_ID: Yes
Date_received:
04/15/2016,Credit card,,Billing statement,,For as long as I have had a Best Buy rewards card with Citi I have NEVER received a bill. Not once

Issue:
 nothing. Best Buy Rewards was part of XXXX which sold to XXXX XXXX which sold to Citi ... Because I moved during one of the mergers I could not verify my own information. Fortunately I knew my card was expiring and sent a change of address notification to my old address with my new one and my "" new '' Citi card was mailed to my current address. Hooray ... Once I could verify my account

Subissue:
 I could change my address BUT I still never received a bill. Not in an email nor in the USPS system ... nothing

Company:
 I received a set of collection phone calls saying I missed a payment. Apparently Citi upped my monthly payment without telling me and 3 months later


Date_received: 04/25/2016
Product: Bank account or service
Subproduct: Savings account
Issue: Account opening, closing, or management
Complaint_ID: Yes
Consumer_narrative:
I make an ATM deposit every 2 weeks or so at my local chase bank. Included in that deposit is my husbands paycheck. When he forgets to endorse it, I do. I have been depositing the checks for years with no problems. Chase has changed their ATM system and now each time I try to complete a deposit I get a screen that says a " customer service representative will be with you to go over your deposit. "". Then I have to search someone down who is not busy to continue my deposit. This usually takes between 5-10 minutes. Last week

Company_public_response:
 I found an employee who left her office and looked over my deposit. She said "" did you endorse these checks? '' I told her "" yes ''. She said she could n't accept my husbands pay check. I told her I had been depositing this same check for 30 years with no problems. I did not want cash back I just wanted to make my deposit. By this time I was there 15 minutes for a transaction that should have taken 3 minutes. I was fed up since it was the 3rd time in a row that I had to wait to complete my deposit. I told her how I felt and that I wanted to close my account. She said Fine. I followed her to her office where she proceeded to close my savings and checking account. She took my debit card and came back with a check.. The total of my check was {$87000.00}. At no time did she call over a manager or offer my other solutions to my problem. I told her that I thought it odd that she would just hand over this much money without making any effort to retain me as a custumer. She told me she had made a note of my complaint when entering my info in her computer. With that

Company:
 I left. I opened a new account the next day at XXXX XXXX. Though I do not want to bank with them anymore


Product: Inc."
Subproduct: NC
Issue: 28304
Subissue: Older American
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/22/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/22/2016,Credit reporting,,Incorrect information on credit report,Public record,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 04/12/2016
Product: Credit card
Issue: Billing disputes
Consumer_narrative: Wells Fargo, a big bank on which one could place the designation " too big to fail ''
Company_public_response: is actively engaging in fraud
Company: and getting away with it. Since XX/XX/XXXX
State: they have claimed not to have received one of my monthly payments
ZIP_code: and since have placed fraudulent charges and late fees on my card
Submitted_via: month after month
Company_response: and made clear what is incorrect. However
Timely_response: they have done nothing except continue to engage in fraudulent activity with my account
Consumer_disputed: and call asking why I have n't paid for it. It is destroying my credit
Date_sent_to_company:
 though I have always made my payments on time. I have provided them with a XXXX page documentation of my payments

Complaint_ID:
 and putting me into a hole from which I will have to recover straight out of college. It is not fair to young people ( or anyone else


Subproduct: social security card
Company_public_response: they told me I could not do that there. Please help me
Date_received:
04/16/2016,Credit card,,Closing/Cancelling account,,I applied for a SECURED credit card with Citi bank. Upon receiving the card I activated it. I tried to add the card to my XXXX and I was told I needed to verify my account. I called in to verify and since my phone number did n't match my account

Product:
 they said they could do nothing for me. I called several different representatives to finally get the option to fax in my personal information ( id

Issue:
 and proof of address. ) I did so. I called to check on the status of my account and they said my paper work was not accepted. I sent in everything they asked

Subissue:
 why was it denied? I came to the conclusion I wanted to cancel the card. They will not allow me to do so. I 've had the account since XXXX XXXX

Consumer_narrative:
 I 've called OVER 40 TIMES. I have yet to have my issue resolved and they still have my {$200.00} deposit and will not let me close my account. I even went into my local Citi branch to verify but

Complaint_ID:
 and putting me into a hole from which I will have to recover straight out of college. It is not fair to young people ( or anyone else


Date_received:
04/12/2016,Debt collection,Mortgage,Communication tactics,Frequent or repeated calls,My mortgage is due on the XXXX of each month with a 15 day grace period. If Seterus does not receive my payment on the XXXX


Complaint_ID: Yes
Date_received:
XXXX/XXXX/XXXX : PU paid our single lot taxes three times. The amount owed was {$980.00} and they paid {$2900.00}


Date_received: XXXX XXXX : PU called
Complaint_ID: Yes
Product:
 stating that we owned {$1700.00} for the bankrupted escrow and another $ XXXX ( approx. {$4000.00} ) for a cushion on our escrow. Said we owed something to the tune of {$8000.00} based on an assessment completed at the beginning of the year based on our {$2900.00} annual tax rate that could not be changed. They finally agreed to get a case manager to review our case. Our auto payment was canceled until the situation could be resolved. We had until XXXX/XXXX/XXXX to make a payment with no penalty. I requested a detailed account of our escrow and was told it could not be emailed


Product: so impossible to reach them. Complaint filed with PU directly
Complaint_ID: Yes
Date_received:
XXXX : Debt managers with no information on our specific case and using threatening language call each person 's phone twice a day demanding payment of the {$8000.00}. Case manager 's offices are closed on weekends and evenings


Complaint_ID: Yes
Date_received:
XXXX/XXXX/XXXX : Husband called to ask and they said they would not take a payment of principal and interest only. They accept only payment in full. Husband requested a breakdown of all account activities from beginning of account. This document was again


Product: XXXX ( ID XXXX )
Issue: {$1700.00} and our XXXX payment of XXXX
Complaint_ID: Yes
Date_received:
XXXX/XXXX/XXXX : Took time off work to reach case manger during their office hours and called PU and went to another case manager

Subproduct:
 because our case manager was not available for us. She refused to issue a new XXXX for the mix-up and promised a letter which could be presented to the IRS. The letter was never received. She told us our removal request was denied because the escrow was under water. If we agreed to pay the back escrow

Subissue:
 they would cancel our escrow account and everything would be good again. We would be responsible for our own insurance and taxes


Complaint_ID: Yes
Date_received:
XXXX/XXXX/XXXX : They lied to us! We received a letter stating that because our "" loan to value ratio is greater than the required XXXX % threshold to remove the escrow ''. We made a very specific cut and dry deal with PU and they took advantage of our inexperience and humiliated us


Subproduct: 2016
Complaint_ID: No
Date_received:
Sent from my iPhone XXXX LIKE Best Regards, XXXX XXXX Realtor XXXX XXXX : XXXX XXXX " Do you want to work with an agent who actually KNOWS XXXX like the back of his hand and lives/breathes Real Estate each and every day? Or do want an agent who simply finds a few houses to look at and may or may not have the negotiation skills to even close on a house? The choice is obvious. XXXX XXXX has seriously been a lifesaver when it comes to listing our homes and getting over asking almost every single time!! Not only that but his local knowledge and expertise is impeccable. Whether you 're looking for a luxury condo with all the bells and whistles or a first time home for your children

Product:
 give your trust to XXXX. He 's never let us down : ) # XXXX '' ( Review from XXXX by XXXX ) On XXXX XXXX


Date_received: XXXX XXXX XXXX XXXX # XXXX XXXX
Subproduct: I hope you 're going to be at closing tomorrow
Issue: because I will be
Complaint_ID: No
Product:
 XXXX XXXX o : ( XXXX ) XXXX f : ( XXXX ) XXXX XXXX : XXXXXXXXXXXX web : www.HomeBridge.com/XXXX On XXXX/XXXX/2016 The lender XXXX XXXX called with a threat at XXXX and said "" real classy


Date_received: 03/01/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company: I did n't think nothing of it and I just wanted to bring the loan current. Payments were set
State: from my account
ZIP_code: automatic payments. However
Submitted_via: the payments stopped. When I called regarding the payments
Date_sent_to_company: I was told that in order to continue taking payments
Complaint_ID: Yes
Consumer_narrative:
2 years ago, I started paying the loans for my wife. Since she was not paying for them, I offered to pay. However, to " qualify '' for a forbearance program

Company_public_response:
 the loan company had to speak with either my wife or my mother ( cosigner ). My wife was unreachable at the time. The representative stated that my mom had to say "" yes '' to the terms and conditions even though she does n't speak XXXX. At the time

Company_response:
 they needed to re-do another "" contract '' and had to speak with either my mom or my wife. My wife was not available and my mom does not speak XXXX. After many calls offering to pay


Date_received: If in fact
Subproduct: then
Complaint_ID: Yes
Product:
 there is a law prohibiting the loan company from making any changes to the terms and conditions due to the borrower 's lack of understanding XXXX


Date_received: I need to know what law is the XXXX they are referring
Product: the specifics
Complaint_ID: Yes
Subproduct:
 so that I can file for violation of the law with the California XXXX XXXX. I feel that my mom and I


Date_received: 03/24/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Complaint_ID: Yes
Consumer_narrative:
The company " Navient '' recently raised my monthly premium with no communication or authorization from me. Navient employees harassed me with phone calls

Company_public_response:
 some times as many as 6 a day stating I was past due on my account even though I authorized them to withdraw a specific agreed upon amount on a monthly basis for specific amount of time. Also

Company:
 the company "" Navient '' does not offer sufficient payment options to their customers. For example


Date_received: 03/30/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Complaint_ID: Yes
Consumer_narrative:
I have asked Equifax to remove and block, as XXXX and XXXX have done several fraudulent accounts that the creditors themselves have asked removed. This includes, XXXX, XXXX Bank XXXX, XXXX, XXXX XXXX, and I also asked to be removed as an authorized user from any and all accounts, I am not responsible for any such amounts owed or for the status. I also have nearly XXXX inquiries. Equifax responded to my VALID Police Report, with an attached WARRANT FOR ARREST of the individual who did this, along with the FTC ID Theft complaint and the Privacy Clearinghouse report. I also contacted the XXXX Oklahoma who said I have a right to file state action against Equifax. I followed all proper procedure regarding the Blocking of fraud under sworn penalty of perjury to officer XXXX XXXX of XXXX XXXX XXXX office who signed and verified each account. I have given them more then enough and what really irks me is that XXXX, XXXX XXXX, XXXX and XXXX all requested that the accounts be removed. This is why XXXX and XXXX removed said accounts. I have supplied Equifax on XXXX XXXX the same information and police reports along with other relevant facts and statements from the creditors. They responded with " We will not block any of the information '' without explaining the reasoning for this? How can XXXX reporting agencies do the obvious and Equifax feel it is exempt from such requirement. Additionally as the XXXX OK explained Equifax has refused to place a security freeze on my account for free as required when the individual states ID Theft and has supplied the police report and FTC form. Both which i HAVE DONE 4 times. As requested prior on regards to the FOIA request caught on Equifax not complying with the Fair and Accurate Credit Transaction Act blocking procedure

Company_public_response:
 I will be forced as will an attorney from XXXX to get such FOIA documents. I believe Equifax has caused harm against a class of individuals such as myself. I am in the process of retaining a lawyer if this is not dealt with. The antithetical part is that it arbitrarily decided to initiate a dispute against all my positive accounts i never disputed and are legitimately mine. Not the Fraudulent ones


Date_received: 04/17/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Complaint_ID: Yes
Consumer_narrative:
Synchrony Bank from Amazon has been calling me repeatedly throughout the day in attempt to collect debt. I have already set up incremental payments to them for the debt I owe. I pay them through electronic check. They continually call me from what shows up as " unknown '' constantly through the day AND they call me while I am at work. I told them if they do n't stop


Product: Servicemember"
Subproduct: Consent provided
Issue: Web
Subissue: 04/23/2016
Consumer_narrative: Closed with explanation
Company_public_response: Yes
Company: No
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Wells Fargo & Company,FL,322XX,Older American


Date_received: 05/06/2015
Product: Credit card
Issue: Advertising and marketing
Complaint_ID: Yes
Consumer_narrative:
Barclay Credit card offered 0 % in 18months financial to purchase my laptop. After 18months passed I could n't paid off, they charge me interest close to 30 % based on original purchase price retroactively. Suddenly I saw close to {$1000.00} interest charge over {$3500.00} laptop. They claimed " Deferred Interest Financing '' in written in the contract but not clearly explained at signing. I thought my interest will e charged on unpaid part after 18 month promotion is over. XXXX time i saw "" Deferred Interest Financing '' in the communication was 5 month later email after I signed. Even that email


Date_received: 03/23/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: but got cus svc person who asked for payment. Told history
State: transferred to fraud # which is what I DIALED in first place. Told history
ZIP_code: rep said resolution 60-90 days
Date_sent_to_company: history a factor. Got credit report
Company_response: saw Macys reported past due. XXXX/XXXX/XXXX
Timely_response: called Macys fraud #
Consumer_disputed: again got generic cus svr
Complaint_ID: transferred to fraud. Told history
Consumer_narrative:
XXXX/XXXX/XXXX someone got our info & went to Macy 's & made {$1800.00} purchase. XXXX/XXXX/XXXX, learned of charge when bill arrived ( had already learned of similar issue on non Macy account so had already done notice to credit bureaus & police report ). Called fraud number on bill to report fraud, which had NO option to talk to rep. Eventually reported card stolen as that was closest option. Choosing that option closed account & opened new one automatically. Then I could get a rep. Told rep story, learned charge made in OH ( we live in IL ) by person using SSN & fake license. Rep told me I would get fraud package to complete, could use old card until new one arrived ( which could also be used ), that I would n't be responsible for charges, & no adverse info would go to credit bureaus, but should notify them of fraud & file police report. Call took 44 min. I actually did make card purchase on XX/XX/XXXX for less than {$30.00}. XXXX/XXXX/XXXX got fraud package & returned via US mail on XXXX/XXXX/XXXX, rec 'd XXXX/XXXX/XXXX. XXXX/XXXX/XXXX got robo call from Macy 's. Called number given, which was from collections, after holding a while told volume was high & call disconnected. Called back got rep, told our history, she said she saw no notes on record & transferred me to fraud. I held for so long I called on another phone that answered first. Told history again, this rep said do n't pay bill, do n't charge anything, & he would email collections to stop calls. He said no adverse info would go to credit bureau. XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, more robo calls. Called back twice, again calls disconnected due to high volume. Called fraud #, after history, told robo call stop takes 7-10 business days, but rep said would resend email just in case. Said not to make payments ( 33 min call ). XXXX/XXXX/XXXX got live call from collections, told history, transferred to fraud. This rep said, pay valid part of bill or fees would be valid, he annotated I had been given bad info. He said he 'd stop collection calls XXXX/XXXX/XXXX, pd valid debt & sent email to contact us link re payment. Email returned for having " special character '' of apostrophe - REALLY? Resent in poor English got response that they do n't do fraud

Company_public_response:
 contact fraud separately. XXXX/XXXX/XXXX called fraud # to check on case since had XXXX more collections calls & had been told resolution should be & lt ; 60 days

Submitted_via:
 but no credit bureau adverse report while pending. Worked with supv to address complaint ( 39 min call ). XX/XX/XXXX got past due notice from Macy 's. XXXX/XXXX/XXXX notified Macy 's credit limit being reduced. XXXX/XXXX/XXXX notified XXXX other credit card limits are reduced


Complaint_ID: transferred to fraud. Told history
Date_received:
03/21/2016,Other financial service,Debt settlement,Disclosures,,Re : Debt Management Program Discrepancies XXXX

Product:
 XXXX : Move to a different city was made. XXXX XXXX license process taking several months to complete for employment


Complaint_ID: transferred to fraud. Told history
Date_received:
Although we were under the impression the counseling interview would have been conducted with a representative from Consumer Credit Counseling Services


Subproduct: we understood this company would negotiate a lower payment
Consumer_narrative: we would have had no idea that we needed to make a payment to stay current with XXXX in XXXX
Complaint_ID: transferred to fraud. Told history
Date_received:
We are professionals that have a good understanding of contractual negotiations. We wanted to be proactive in taking care of our challenge in a period of time we knew would be less income for our family household. We did exactly what XXXX XXXX told us to do

Product:
 in selecting a Debt management Program ; Consumer Credit Counseling Services. Upon the counseling session conducted by Apprisen

Issue:
 and possibly a lower interest rate with XXXX. We were pleased with this process. Our dispute is this : After negotiating with XXXX

Subissue:
 Apprisen received a letter that stated XXXX would not accept the initial payment amount originally negotiated. ( Please see attachment # XXXX ) from Apprisen with this information. At this juncture

Company_public_response:
 or we would have done so. We understood after signing contract in XXXX with Apprisen ; all was good. As a result of further negotiations between XXXX and XXXX

Company:
 a payment was not made in XXXX. Both accounts are reflecting late payments ; one late payment history reflects all the way to XXXX. In the Apprisen contract under Other Provisions

State:
 # XXXX ; it states Apprisen has the right to look at our credit report to assess the information to better access my financial situation and increase its ability to assist us in the liquidation of our debt. This was never done. Had it been


Complaint_ID: transferred to fraud. Told history
Date_received:
The only information I 've been able to gather from the loan is the balance, that it exists and that it is in " bankruptcy deferred default ''. The interest rate ( or historic interest rate )

Product:
 or any other information other than the balance has been refused upon calling customer service. I was told I could make payments on the loan


Date_received: I would like to find a way to avoid this default
Subproduct: for my cosigner to be removed from the loan
Complaint_ID: transferred to fraud. Told history
Product:
 as I have no history of missing payments on any loans and I have every intention of paying the loan back. Either to start paying immediately to keep the loan out of default


Date_received: 04/21/2016
Product: Credit card
Issue: Billing disputes
Complaint_ID: No
Consumer_narrative:
I " bought '' a refrigerator from Best Buy on XXXX/XXXX/2016. Best Buy charged my credit card immediately


Subissue: recently asking that the inquiries be removed and there has been no response. First
Complaint_ID: No
Date_received:
04/13/2016,Mortgage,Conventional fixed mortgage,Credit decision / Underwriting,,I was denied a mortgage refinance for a lower interest rate

Product:
 VA guaranteed for my personnel property. The decision to deny the loan was based on my credit report. At that time my credit report carried XXXX negative items. XXXX items were paid off XXXX XXXX and the third items should not have been on the report. Currently

Subproduct:
 all negative items have been removed from the credit report. We dealt with the mortgage company five months ( XXXX XXXX thru XXXX XXXX ). During that period they ran my credit report four times. Bringing my credit score done even more. The appraisal expired

Issue:
 the appraisal fee {$450.00} was non refundable and the low interest rate also expired. A written request was mailed to the mortgage company

Consumer_narrative:
 I did not give them permission to run my credit report four times and second because the numerous inquiries lower my credit score


Date_received: 03/29/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Credit decision / Underwriting
Complaint_ID: Yes
Consumer_narrative:
Last year, I had some water damage occur to my home, so I filed a homeowner 's insurance claim with XXXX XXXX. XXXX XXXX sent me a check for the funds needed for the repairs and the check was made out to me as well as my mortgage company, Carrington Mortgage Services, since the check was well over {$10000.00}. Carrington released some of the funds last summer, but they are still holding nearly {$5000.00} that they are not releasing to me. I have been trying to get them to release these funds to me for nearly 2 months so that I can pay off my contractor, yet they keep giving me a run around about having an inspector contact me, which has NEVER happened. I finally got fed up today and e-mailed the CEO of Carrington Mortgage Service, XXXX XXXX, and explained the situation and demand that my money that they are holding hostage be released immediately. About an hour later, I got a reply from XXXX XXXX, which I am 100 % sure was not intended for me as it was addressed to someone named XXXX. This is what the email said : " XXXX - This XXXX has been pestering us for at least a year that I can remember

Company_public_response:
 I ca n't even sort out all of the details of what she is referring to any longer. Let 's do XXXX things here - solve whatever the current issue is asap and then get XXXX to offer her a streamline refi at what ever rate will incent her to refinance quickly


Date_received: XXXX '' First of all
Product: he called me an XXXX!!! Secondly
Subissue: below where it asks "" which part of the mortgage process is your issue related to? ""
Consumer_narrative: this situation does not apply to any of the available options
Complaint_ID: Yes
Subproduct:
 I have NO idea what he means by I have been "" pestering '' him for a year as this is the very first time I contacted him. Thirdly

Issue:
 what he is trying to do to me is illegal. I have also filed a complaint at the state level ( Maine ). Also


Date_received: 03/01/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: they were refusing
Company: due to policy
State: to take my payments from XXXX accounts. I became angry at the situation and asked for a XXXX
Submitted_via: in a harsh tone. The supervisor that came on the phone was the same supervisor as before
Date_sent_to_company: she was sure to make this known
Consumer_narrative:
I contacted Carrington Mortgage tonight and was trying to make a mortgage payment on my home. I fell on hard times with a XXXX XXXX 13 months ago, and have been running 3 months behind for around 6 months. They have never had a problem taking my payments but for some reason tonight was different, they would only accept 2 payments at this point and would not be able to apply the single payment. The person kept stating that if I want a supervisor to come on the line and tell me the same exact thing, they would be more than happy to do so. I discussed them taking my payments for the past 3 months and I kept getting the same answer. We ended the call in shock wondering how or when we could get the second payment tonight, because we were reminded that we would owe 3 payments starting XXXX. Being desperate I found and received the money though other means and put the money into my bank account. After returning home I made the call and and told the rep I wanted to make a payment, she rudely stated that " XXXX XXXX you will need to make 2 or more payments today on the account ''. I let her know I was aware of that and told her I have the money from both my checking accounts. I never knew it would be so painful to get the treatment I got from this person and the supervisor that I dealt with both times

ZIP_code:
 the rep stated "" You want me to get a manager to tell you the same exact thing that I just told you? '' I stated I wanted to speak to a manager and not her

Company_response:
 and proceeded to belittle me during the call stating they could not make 2 payments from separate accounts but she would make a "" One time

Timely_response:
 get this one time and I do n't even know if I will get in trouble for taking these from you '' I could not believe that I was receiving treatment like this from a mortgage company. Please listen to both of the calls

Consumer_disputed:
 I was informed that they are recorded calls. I was courteous through the whole call except when they would not except payment from XXXX accounts after I had just gone through the embarrassment of finding the second payment through other means. Yes I have fallen on hard time

Complaint_ID:
 what American has n't? I 'm still alive and trying to save my home and to be treated the way I was tonight is just wrong in anyone 's eyes. My spouse is in the mortgage servicing industry and would have been released from her duties if she had interacted with a customer as this company did. The reason they would not let us make a payment was the layers in their legal department told them they were doing things all wrong and they should n't be accepting payments as late as they have been. What type of company would rather foreclose than take a payment? Why are the representitives in this company as rude as they are? I do n't feel entitled


Date_received: 02/24/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Complaint_ID: Yes
Consumer_narrative:
I agreed with the medical center rep to pay a set amount to close out my account. I paid that amount and wrote " Paid IN Full '' on the check


Complaint_ID: Yes
Date_received:
03/30/2016,Credit card,,Bankruptcy,,BBVA Compass is violating Federal Bankruptcy Laws. On XXXX/XXXX/2016 I filed Chapter XXXX Bankruptcy in the XXXX XXXX XXXX Florida Case # XXXX. BBVA Compass was a listed creditor BBVA Compass on XXXX XXXX


Date_received: 01/10/2016
Product: Credit card
Issue: Credit determination
Company: a checking/debit account held for about 25 years with XXXX bank and with no overdraft penalties
State: 14 years of paying rent at the same location without a late payment
Complaint_ID: Yes
Consumer_narrative:
I applied at a bank on XX/XX/2016 for a credit card and received an immediate reply dated XX/XX/2016 that denied me the card. The letter from the bank stated, " Our decision was based on the following specific reasons : Not enough accounts opened long enough to establish a credit history. '' As a matter of fact

Company_public_response:
 my credit history includes ; a mortgage for a home which I repaid without any late payment penalties


Date_received: Also
Product: let it be known
Subproduct: that I have now received in the mail
Issue: and for the first time
Complaint_ID: Yes
Subissue:
 solicitations by another credit card company offering a similar but lesser credit card product. It is questioned


Product: rudimentary
Subproduct: cookie cutter that was never completed. They never finished the logo
Complaint_ID: Yes
Date_received:
01/11/2016,Credit card,,Transaction issue,,I paid a company named XXXX XXXX XXXX a total of {$14000.00} over several cards and transactions for a custom e-commerce website and coaching services. They made all kind of promises of income between $ XXXX- $ XXXX a year. It has been over a year and I find that I have not made a penny. Besides that the coaching did n't exist and the "" custom '' site was nothing more than a substandard


Date_received: 06/08/2016
Product: Credit card
Issue: Other fee
Company: either pay or suffer! I have assured them that if I close the account
State: I will not be opening a new XXXX with their bank
Complaint_ID: Yes
Consumer_narrative:
I have held a credit card with US Bank since approximately 2004. When I opened the account, it was a XXXX XXXX rewards card. When XXXX XXXX became XXXX XXXX, my card became a " XXXX '' card. This card has an annual fee of {$45.00}. I want to convert the card into some US Bank card that does not have an annual fee. US Bank phone customer first told me I would have to go into a branch- the closest is 1.5 hours from where I live. I called the branch

Company_public_response:
 they looked into it and told me there is no way to convert this card to something without an annual fee. I have to either pay the fee every year for benefits that I do n't use- or close the account. I do not want to close the account because it having been open and in good standing for 12 years reflects well on my credit history. I feel like my credit score being held hostage by US Bank

ZIP_code:
 but would like to work together to remain their customer. Their only answer is that I can spend at least $ XXXX to earn enough rewards to redeem them for the annual fee


Date_received: 03/31/2016
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: different responses were received including first
Company: see our website for terms ( not referred to anywhere in the contract )
State: then later
ZIP_code: speak to the gym management
Submitted_via: of course gym management said to speak to ABC financial services. Fees to which I did not agree to
Date_sent_to_company: {$50.00} cancellation fees should not be charged
Complaint_ID: Yes
Consumer_narrative:
ABC Financial Services Inc. is the billing company hired by XXXX XXXX XXXX XXXX XXXX health club. At the time that membership was agreed to a detailed contract was signed, naming ABC Financial Services as the sole company responsible for enforcing and collecting on amounts agreed to on the contract. I suffered an injury that made me unable to attend the gym and therefore need to cancel the annual contract. Repeated mis communication and increased charges became the trend, the most blatant is a " cancellation fee '' of {$50.00} not detailed anywhere in the contract. When I emailed them a scanned copy of the contract showing no such fee was disclosed


Product: on the day this letter was mailed by Ditech
Subproduct: the Complainants were only 17 days past a XXXX XXXX
Complaint_ID: Yes
Date_received:
Complaints received a certified letter on XXXX XXXX, 2016 ( dated XXXX XXXX, 2016 ) that was styled as " Texas Notice of Default and Right to Cure. '' The notice purports Complainants are two months behind on their lien payment. In fact


Product: Inc
Subproduct: XXXX XXXX XXXX
Issue: XXXX
Complaint_ID: Yes
Date_received:
04/12/2016,Student loan,Non-federal student loan,Dealing with my lender or servicer,Don't agree with fees charged,Loan was taken out for my grandson in XX/XX/XXXX in which I was the co-signor. Over the course of 10 years I have made payments on the loan and am now being told that I owe over {$2000.00}. I noticed that the loan number that I had been paying on is not the same number that I am being contacted about now and have inquired why the number changed. Loan was taken out with XXXX and my request for a payment history has not been provided. I received information from XX/XX/XXXX to XX/XX/XXXX all information for prior years dating back from XX/XX/XXXX I 'm told they can not provide because they have a new system. So therefore my payments are not accounted for. My grandson had other loans and it is my belief that payments were applied to the wrong account. I am on a fixed income and am now being harrassed by a Collection Agency Financial Assest Management Systems 


Date_received: 01/23/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Can't contact lender
Subissue: Can't contact lender
Complaint_ID: Yes
Consumer_narrative:
I received a call from Dollar Loan Center about a payment. The Caller ID stated " XXXX XXXX XXXX ''. The call came from XXXX. I do n't have an issue with receiving the call


Date_received: 01/18/2016
Product: Credit card
Issue: Delinquent account
Company_public_response: "" i apologize
State: yes
ZIP_code: we did call you
Submitted_via: asked for dates and she gave me XXXX XXXX at XXXX and XXXX. My question to her was
Timely_response: unreasonable
Complaint_ID: Yes
Consumer_narrative:
First, let me start off by saying that i have XXXX or more credit cards and my mortgage with Chase. Chase Amazon credit card was paid in XXXX of 2015. In XXXX of 2015 i have a 30 to 60 day late pay on my credit report dropping my score from XXXX to XXXX. Shocked! I logged into equifax to find that my Chase Amazon card was reflecting a past due {$7.00} amount. Called and paid it immediately and then contacted chase. I had never recieved a bill from chase, let alone a " past due '' one. Never recieved a call. Spoke to Chase and they stated that they sent mail and send emails. I clearly put on my original application that primary method of contact was by phone. One chase employee said they did call. When i asked for dates and times she said

Company:
 we didnt call you and it looks like the amount due was interest after the payment in XXXX. '' I spoke to another employee of chase and she said that

Date_sent_to_company:
 that was after i called and made the last payment and why would they all of a sudden call then. I also asked her why the back to back call. CLEARLY

Company_response:
 no call was ever placed to me. While speaking to ANOTHER employee i ask "" did i not get called due to the amount being only {$7.00}? '' The employee told me that was possibility. This is clearly not only fair


Date_received: 04/14/2016
Product: Credit card
Issue: Credit card protection / Debt protection
Company_public_response: USAA has arbitrarily opened a XXXX account in my name. I do not have a new card
Complaint_ID: Yes
Consumer_narrative:
1. I have a USAA MasterCard. USAA wants to switch to XXXX. They have sent me notices that I can " upgrade '' to XXXX. I have responded that I do not want to "" upgrade. '' 2. Reviewing my account on line


Product: Servicemember"
Subproduct: Consent provided
Issue: Web
Subissue: 04/14/2016
Consumer_narrative: Closed with explanation
Company_public_response: Yes
Company: No
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,USAA Savings,FL,328XX,Older American


Date_received: 03/03/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: as well as our account notes
Company: and information provided by the previous creditor
State: we are unable to determine the nature of your dispute
Submitted_via: that I was requesting proper debt validation per the Texas Finance code. As of XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX 2016, I sent XXXX letters to Midland Credit Management requesting proper debt validation per Texas Finance Code Section 392.202 which requires a debt collection agency to provide the alleged debtor with specific information concerning their debt including but not limited to : Name & Address of original creditor, original date of default, date debt was transferred from original creditor to third party debt collector, original balance, current balance, any fees added by the agency, and Texas surety bond information required by Sec. 392.101. I sent ( XXXX ) separate letters for MCM Account numbers # XXXX, # XXXX, # XXXX. The letters were received and signed for by Midland Credit Management on XXXX XXXX, 2016. On XXXX XXXX, I received XXXX letters for each respective account number from Midland Funding stating that the status of the account would be changed to " disputed '' with the XXXX major credit bureaus but further stated that "" After reviewing he information you provided

ZIP_code:
 and consequently deny that our records are inaccurate. We will be closing our investigation of your dispute and resuming regular collection activities as allowed by the Texas XXXX XXXX and/or the Fair Credit Reporting Act. '' I replied sending XXXX separate letters ( one for each account ) clarifying that in no way was I giving Midland permission to mark the account as "" disputed '' with the credit bureaus


Product: 2016
Subproduct: I appealed this denial
Complaint_ID: Yes
Date_received:
On XXXX XXXX, 2016, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX


Date_received: On XXXX XXXX
Product: 2016
Complaint_ID: Yes
Subproduct:
 I spoke with XXXX at a Citi call center and she informed me that the offer in question requires the original bonus mail insert


Date_received: It was explained to me that the original insert is required to prove I qualified for this offer
Complaint_ID: Yes
Product:
 despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. Since I disposed of this mailer after opening my account


Date_received: XXXX explained that she was unable to do anything for me other than open an investigation
Complaint_ID: Yes
Product:
 which was done several times without a positive outcome for me. XXXX promised to keep my contact information and contact me if anything changes. Even though I have been assured by Citi that I met all requirements to receive my bonus


Product: XXXX I requested a detail of the damages and received same on XXXX XXXX
Complaint_ID: Yes
Date_received:
Approx 1 month later I received a bill from Chrysler Capital for {$940.00} with the only explanation being "" Excess wear and tear : Body Damage ''. Upon speaking with XXXX from Chrysler Capital on XXXX XXXX


Product: Inc."
Subproduct: OH
Issue: 43076
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/27/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/23/2016,Student loan,Non-federal student loan,Can't repay my loan,Can't decrease my monthly payments,,,Navient Solutions


Subproduct: and that the late payments could not be removed. During the call
Complaint_ID: Yes
Date_received:
3. In a further attempt to remedy the situation, I filed a dispute with XXXX ( report # XXXX ) in order to explain the situation again, but the only response was, " Account closed at credit grantor 's request. '' 4. As a last resort

Product:
 I called XXXX directly again on XXXX/XXXX/16. I was told voice messages were left notifying me of the late payments

Issue:
 the representative from the Escalation Department stated that I had selected paperless statements when I made the purchase

Subissue:
 but she also acknowledged that I had not created the online account. It would make sense that if a customer supposedly selects paperless statements during the application process and then does n't create an online account


Product: Equifax ( r ) and XXXX ( r ) and any finance and other charges related to the fraudulent
Complaint_ID: Yes
Date_received:
03/24/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX


Subproduct: XXXX
Complaint_ID: Yes
Date_received:
I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you

Product:
 which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for XXXX


Date_received: Please note XXXX
Product: XXXX
Issue: then they have essentially admitted
Subissue: per Texas Finance Code 392.202 ( b ) ( 2 )
Complaint_ID: Yes
Subproduct:
 and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request


Product: XXXX or XXXX )
Subproduct: said action might constitute fraud under both Federal and State Laws. Due to this fact
Complaint_ID: Yes
Date_received:
If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( Equifax 

Issue:
 if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit


Product: a division of Hyundai Capital America ( "" HCA '' ) engaged in illegal
Complaint_ID: Yes
Date_received:
04/14/2016,Consumer Loan,Vehicle lease,Taking out the loan or lease,,It is my belief that Kia Motors Finance ( "" KMF '' )


Product: regardless. The lease went through underwriting without any agents of KMF seeking to verify income
Subproduct: employment
Complaint_ID: Yes
Date_received:
Despite KMF having immediate knowledge that I was largely unemployed they approved the lease and added a clause waiving the need to verify my employment and income. I believe this waiver was added so they could avoid having to decline the lease. I believe this is a case of predatory lending as KMF had knowledge that I could not afford the vehicle and knew I did not have a worthy credit profile but proceeded with financing


Date_received: Today however
Subproduct: ( who they are
Subissue: I just wanted to know who you were ''
Complaint_ID: Yes
Product:
 they called my son ( how did they get his cell phone number? ) who called me and gave me their number so I called them to find out who they are. A lady answered "" XXXX '' and I asked my questions

Issue:
 what they do etc ) after answering my questions she asked "" can I get your name? '' I replied "" No


Product: Inc."
Subproduct: NJ
Issue: 08066
Consumer_narrative: N/A
Company_public_response: Postal mail
Company: 04/25/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/21/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 06/20/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: and they will find out the same thing. I think they will never solve it
Complaint_ID: Yes
Consumer_narrative:
Experian Credit tracker is using terms like account transferred, closed and paid as derogatory information, thus bringing down my credit score. Experian proper, which is a separate company from Experian credit tracker, tells me there is nothing wrong with my credit report. I have talked to many people in the last month, and they are always working on it, and I am paying XXXX a month while they " work on it ''. XXXX XXXX will be my second payment. Even if they solve it today

Company_public_response:
 the way they have treated me is disgraceful. Now Experian Credit Tracker is doing an investigation of my credit


Date_received: 03/31/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Complaint_ID: Yes
Consumer_narrative:
Chase gave my finance and I a " pre-approval '' for a mortgage back in XXXX 2016 ( they ran our credit on XXXX XXXX


Complaint_ID: Yes
Date_received:
When Nationstar assumed this loan ( XXXX XXXX, XXXX ) they rejected my usual payment which I make through an automatic schedule with my internet bill paying service. I was unaware that Nationstar had rejected my regular payment until I received a collection call. The caller stated that my regular payment was " insufficient '' and that Nationstar required an additional {$260.00} per month. The caller told me that my real estate taxes had apparently increased. I knew that was not true so I asked to be transferred to the Insurance Department whom I informed that I did not wish insurance beyond that required by my contract. I was not named as Insured when Nationstar assumed this loan


Complaint_ID: Yes
Date_received:
Despite two more phone calls to protest and promises that the monthly billing would be adjusted to reflect the change

Product:
 Nationstar has continued to bill me for insurance that I did not request and to which I did not consent. If I do not include the additional {$260.00} per month with my regular payment


Date_received: 04/26/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Complaint_ID: Yes
Consumer_narrative:
TransUnion received my initial dispute on XXXX/XXXX/2016 ( sent via certified return mail receipt ) for items on my credit report. On XXXX/XXXX/2016 I later mailed out different disputes for entirely different accounts. TransUnion sent me a letter stating that they received additional information from me and that they are allowed to take an additional 15 days to investigate. The additional information they received was not 'additional information ' as it did not pertain to any prior open dispute or investigation. As laid out in the Fair Credit Reporting Act 15 U.S. Code 1681 ( i ) subparagraph ( A ) - Procedure in case of disputed accuracy - the credit reporting agencies are obligated to " conduct a reasonable reinvestigation ... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. '' Subparagraph ( B ) allows for the Bureau to extend an investigation for a period not more than 15 additional days if "" the consumer reporting agency receives information ... that is relevant to the reinvestigation. '' As stated previously

Company_public_response:
 the disputes TransUnion received on XXXX/XXXX/2016 contained no relevant information to an open investigation ; therefore


Subproduct: "" I am the supervisor. '' After I got nowhere with speaking to a TransUnion representative
Complaint_ID: Yes
Date_received:
On XXXX/XXXX/2016 I called TransUnion to dispute the letter of extension I had received. I was transferred to the Fraud Department handling my disputes where I spoke with a representative - who would only provide me with her first name

Product:
 XXXX. I explained to her my issues with the letter and recited FCRA 1681 ( i ) ( A ) & ( B ). I requested that the additional 15-day investigation period be dropped immediately based on the regulations laid out in the FCRA. XXXX was adamant that they were within their rights and that investigation time frame can be extended based on the "" additional information. '' When I requested to speak to her supervisor she would only respond

Issue:
 on XXXX/XXXX/2016 I filed a complaint through the XXXX website ( Complaint ID : XXXX ) and received a response from a XXXX XXXX ( see attached. ) In the letter it states that I provided TransUnion with information during a telephone conversation


Product: Ltd."
Subproduct: MD
Issue: 20833
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 05/05/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
05/05/2016,Debt collection,I do not know,Communication tactics,Frequent or repeated calls,,Company disputes the facts presented in the complaint,Harris & Harris


Subproduct: XXXX
Complaint_ID: Yes
Date_received:
2. Transaction Refund - When I finally heard from a Disputes Manager, I was informed that they needed proof the merchant cashed the burial account checks. It took me a month to get the documentation and resubmit the disputes complaint on XXXX/XXXX/15. I received a call from a Disputes Manager on XXXX/XXXX/15 ( after requesting a call back ). She informed me that she had reviewed my documentation and she would " approve '' the case and submit a request to have the transaction refunded. She said it may take XXXX or more. When I did n't receive a refund after XXXX

Product:
 I called and submitted a call back request. I had to call XXXX additional times time to get a status update. Each time I was given a different time frame for the transaction refund ( XXXX biz days


Complaint_ID: Yes
Date_received:
The funeral director for my uncle 's funeral stole money from my family. I was unable to resolve the issue on my own without submitting a merchant dispute. BarclayCard showed no compassion for me during this process. They made a difficult and emotional issue even worse. No one took ownership for this case and despite a request for the Exec Office


Date_received: 06/10/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: we acted on it
State: first by notifying WF and sending them proof of insurance
Submitted_via: a local WF banker
Company_response: he told us this would be resolved in XXXX10 business days. About a month later on XXXX XXXX
Complaint_ID: which we informed was ridiculous -- they need to give us back the money they stole immediately.
Consumer_narrative:
We have flood insurance for our home in Florida and we have since we built it in XXXX. Please see the attached XXXX XXXX XXXX page. Even after being sent proof of this 5 times, Wells Fargo ( WF ) has been stealing money from our checking account to pay for a " forced flood policy ''. We were told on XXXX XXXX by a WF banker the issue would be resolved in XXXX10 business days. Did not happen and they have continued to steal money from us. Please note -- WF did the same thing to us 2 years ago

Company_public_response:
 which we will address later once we clear this current incident up. More detail : We began getting letters from WF last year that we do not have flood insurance and need to get a policy. Each time we got a letter

ZIP_code:
 then later we began taking the letters to our XXXX agent and having him verify the policy to WF. See the attached copy of the last letter from the agent. In XXXX we noted that WF debited our checking account for more than the mortgage payment and were told by XXXX XXXX

Date_sent_to_company:
 that they took extra money to pay for a forced flood policy. After a conference call to our XXXX agent

Timely_response:
 we called him and left a message that nothing was resolved and that he should check to make sure WF was not going to steal more money from us in XXXX. As you can see from the attached letter from XXXX

Consumer_disputed:
 WF stole from us again in XXXX. XXXX also told us that WF was unable to reimburse us for the money they stole until they got the funds back from the insurance company


Date_received: 05/27/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: XXXX
Date_sent_to_company: I have tried the friendly familiar way
Company_response: the ATTY way
Timely_response: working with BoA directly
Consumer_narrative:
A Draft from a XXXX bank made payable to my mother AND myself was deposited into a Bank of America checking account XXXX with only my mother and XXXX of my siblings, all in VA, as account holders. My name was NOT on the account. My mother who had XXXX XXXX and was non-functional for XXXX4 years prior to her death, died on XXXX XXXX, 2014, the check was deposited XXXX XXXX, 2014, 2 days after her death. I secured a copy of the processed check from the issuing bank as proof that it was deposited without neither my mother 's endorsement nor mine. I have tried for over a year to negotiate with my XXXX XXXX siblings to settle matters but finally I had to contract an ATTY to try to recover the funds but because the funds are in an account with only their names they are in control of distribution, leaving me without much recourse via my ATTY. If BoA had not accepted the draft without endorsement, I would not be in the present situation. According to my online legal research, there are many cases of similar instances, all indicating that a check made payable to parties using " AND '' should be signed by everybody named on the payee line. I went to XXXX different BoA branches in my area

Company:
 to try to obtain information but they stated they could not help because my name was not on the account in question. They did tell me the account was closed on XXXX. So now

State:
 I have no idea where my funds are. I contacted the XXXX XXXX XXXX questioning the legality of depositing a check under these circumstances

ZIP_code:
 they did not directly reply but I did get a call from a BoA consumer advocate from the XXXX XXXX XXXX XXXX office who was assigned to investigate my question regarding the deposit. She stated she would call me back to obtain details to investigate the issue

Submitted_via:
 but not hearing back from her I called several times in the past two weeks but had to leave her a voice message. My ATTY now has informed me that my XXXX XXXX siblings are distributing the money according to their decisions in the next week or so. I am contacting you in hopes that you can help me since this has been going on for over a year

Consumer_disputed:
 and nothing is resolving the issue. The sibling involved in depositing the check has been in the banking industry for over 20 years

Complaint_ID:
 and has worked for BoA XXXX with friends in several BoA branches. He intentionally deposited the check while I was out of the country in XXXX. My complaint against BoA is that the check should have never been accepted for deposit without my endorsement


Issue: no one would take ownership and/or follow up with me. Fast forward to XXXX XXXX
Subissue: not only did I receive a notice that NMAC ran my credit through XXXX XXXX
Consumer_narrative: incurring an additional and un-necessary credit inquiry
Company: resulting with my credit score dropping over XXXX XXXX points. I sent an e-mail to XXXX XXXX
State: the GM of XXXX XXXX
Date_received:
05/02/2016,Consumer Loan,Vehicle loan,Taking out the loan or lease,,I went to XXXX XXXX on XXXX XXXX and traded in my XXXX Nissan Sentra for a XXXX Nissan Rogue. I informed the sales associate and finance department that my payment was due that day and I did not want to be late

Product:
 incur any fees or risk being taken to collections. I have always paid my account on time and more than the minimum payment. My XXXX Nissan Sentra was financed through their own financing

Subproduct:
 NMAC. They recommended me to call NMAC and let them know that I had traded my car in and that the pay-off should be coming shortly. I did as instructed and left that day with my XXXX Rogue. I had to come back to the finance department of XXXX XXXX on XXXX XXXX to re-sign the loan documents since I had financed through NMAC again. That same day I brought it to the attention of the finance associate that my car was still not paid off and going on seven days late. They informed me the payment was going to be sent out that day since I was signing the new loan documents that day. Multiple calls/texts had been exchanged prior to the vehicle going 30 days late. However

Company_public_response:
 but I received XXXX notices stating that XXXX XXXX had in fact failed to payoff my vehicle within thirty days of my original payment date

ZIP_code:
 on XXXX XXXX to inform him of my experience. In the e-mail I had requested that he take the necessary steps to address this experience and correct my delinquency on all XXXX of my credit reports. This has taken me well over a year to have finally removed the delinquency and to try and repair my credit score. I never heard back from XXXX XXXX and my credit was never fixed so I moved forward. I filed a claim with the XXXX. The response from XXXX XXXX was that it was my responsibility to follow up with the dealership to ensure the payoff was sent. After sending back a detailed verbatim response

Complaint_ID:
 and has worked for BoA XXXX with friends in several BoA branches. He intentionally deposited the check while I was out of the country in XXXX. My complaint against BoA is that the check should have never been accepted for deposit without my endorsement


Date_received: 09/25/2015
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
Nationstar Mortgage LLC, the alleged servicer trying to illegally foreclose on our home, and the subject of breach of privacy complaint, ref CFPB file XXXX, who alleged XXXX to be the " current owner of debt '' on the Notice of Default that it recorded on XX/XX/2015


Product: 2015
Subproduct: to extend its resolution date of XXXX XXXX complaint to XXXX XXXX
Complaint_ID: Yes
Date_received:
XXXX 's EVIDENCE - XXXX has "" yet to conduct an investigation on this account '' and requested CFPB on XXXX XXXX


Date_received: Nationstar 's recorded Notice of Default on XX/XX/2015
Product: therefore
Subproduct: LACKS LEGAL FOUNDATION ... as the ALLEGED DEBT
Subissue: this Notice of Default
Consumer_narrative: remains to be UNLAWFUL and thus the resulting TRUSTEE Sale of our home XXXX XXXX
Complaint_ID: Yes
Issue:
 and ALLEGED CURRENT OWNER of DEBT XXXX XXXX yes "" yet to investigate the account ''. Until proven otherwise


Date_received: Nationstar also defaulted on XXXX 's Debt Validation ( DV ) Request of XXXX XXXX
Subproduct: XX/XX/2015
Issue: without satisfying DV requirements ). XXXX requested in DV
Subissue: among other things
Complaint_ID: Yes
Product:
 2015 ( relative to Nationstar/XXXX Notice of Debt Validation dated XX/XX/2015- with 30 day to validate debt ; then Nationstar violates FDCPA by recording the Notice of Default two days later


Complaint_ID: Yes
Date_received:
XXXXKEY ISSUE : MODIFICATION Document Did Not Contain ANY Reference ContainingTO Rescission!!! XXXXXXXX DAYS AFTER RESCISSION LETTER : BANK FORWARDED MONTHLY STATEMENTS - FOR XXXX MONTHS - TITLED " PRINCIPAL & INTEREST


Product: Inc."
Subproduct: AE
Issue: 09012
Subissue: Servicemember
Consumer_narrative: N/A
Company_public_response: Phone
Company: 04/19/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/19/2016,Debt collection,Credit card,Disclosure verification of debt,Not given enough info to verify debt,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SunTrust Banks


Product: Inc."
Subproduct: TX
Issue: 77065
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/26/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/26/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 04/23/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Shopping for a loan or lease
Company: of course
ZIP_code: pays the shop. The incredibly confusing website process shuttles between PayPal
Submitted_via: PayPal credit
Date_sent_to_company: PayPal prepaid Mastercard
Company_response: ahnd every other PayPal site
Complaint_ID: Yes
Consumer_narrative:
There seems to be an extraordinarily confusing relationship between three separate companies. They are PayPal, PayPal credit which was formerly Billmelater, and a third instrument which I now have which is Prepaid Paypal Mastercard. The point of primary confusion, I believe, is entirely intentional. As one jumps from webpage to webpage, sometimes the word " payment "" is used in reference to what is owed to PayPal credit

Company_public_response:
 and then immediately following payment refers to money being paid to the people from whom one is making a purchase. What happens

State:
 is that the consumer assumes that a payment has been made to the store but in fact PayPal has withdrawn the money from the consumer 's own bank account and then after having left the consumer with a negative balance


Date_received: 04/24/2016
Product: Credit card
Issue: Other fee
Company_public_response: they still refused to remove this charge and I feel deceived
Complaint_ID: Yes
Consumer_narrative:
I logged into my account today to find a {$29.00} membership fee charged to my Capital One Secured MasterCard. Let me start by saying it is not the amount that is the issue, but the fact that this charge was never disclosed to me. I spoke with XXXX representatives from Capital One via online chat. Both individuals told me there was no option to waive the fee. I provided several links to the specific credit cards terms and conditions, XXXX of which highlighted XXXX of the perks of the card as " {$0.00} annual fees. '' After an hour of disputing


Date_received: Thank you
Complaint_ID: Yes
Product:
 XXXX Transaction Details XXXX XXXX Payment Sent ( Unique Transaction ID # XXXX ) Shopping Cart Contents Qty Item Options Price XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX '' With XXXX ( Price Is For Pair ) Item # XXXX {$15.00} XXXX Amount {$15.00} XXXX Order Description : Shopping Cart Item Total : {$15.00} XXXX Sales Tax : Shipping : {$6.00} XXXX Seller discount or charges : {$0.00} USD Total amount : - {$22.00} XXXX Fee amount : {$0.00} XXXX Net amount : - {$22.00} XXXX Date : XXXX XXXX


Complaint_ID: Yes
Date_received:
United States Confirmed Help Payment To : XXXX XXXX XXXX The recipient of this payment is Verified ) Seller 's ID : phin-rich Seller 's Email : XXXXXXXXXXXX XXXX Type : PayPal Funds Funding Source : {$22.00} XXXX - PayPal Account Tracking Number : XXXX Help Carrier : XXXX Order Status : Shipped ( XXXX XXXX


Complaint_ID: Yes
Date_received:
Per this case law, XXXX v. XXXX XXXX XXXX, Dist. Court, XXXX Arizona XX/XX/XXXX : [ XXXX ] XXXX argues that XXXX ' debt was not " in default '' at the time XXXX acquired it


Date_received: [ 2 ] This exemption places the factoring of accounts receivable outside the scope of the FDCPA
Product: thereby leaving a factor in the same position as the original creditor
Complaint_ID: Yes
Subproduct:
 had the creditor not sold his accounts receivable to the factor. By excusing factors from compliance with these regulations


Product: or who regularly collects or attempts to collect
Subproduct: directly or indirectly
Subissue: however
Complaint_ID: Yes
Date_received:
The FDCPA defines "" debt collector '' as "" any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts

Issue:
 debts owed or due or asserted to be owed or due another. '' 15 U.S.C. 1692a ( 6 ). Exempted from this definition


Date_received: According to the XXXX
Complaint_ID: Yes
Product:
 they have the option of reporting an Account Type of XXXX-Collection Agency/Attorney or XXXX-Debt Buyer ( which undoubtedly shows as Factoring Company in consumer reports ) XXXX incorrectly choose to report as type XXXX instead of XXXX based on the information in the reporting guidelines. If reporting as a type XXXX changes the value in a credit score more so than reporting a XXXX


Date_received: 05/24/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: see attached
ZIP_code: in XXXX XXXX
Submitted_via: SPS acted as a servicer
Date_sent_to_company: without any authority
Company_response: or Power of Attorney to act
Timely_response: by recording a new assignment
Consumer_disputed: and discharge
Complaint_ID: in our County. SPS also provided information to us that our loan
Consumer_narrative:
We have had ongoing disputes against Select Porfolio Servicing filed with the CFPB. Those disputes are under claim # s - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - XXXX, and XXXX. All of these complaints request information regarding our " mortgage '' that was supposed to be paid XX/XX/XXXX but was placed in false default by SPS

Company_public_response:
 with the loan "" paid out '' by another entity before receipt of our payoff loan amount. SPS has just sent us a letter

State:
 stating that they can not response to our requests for information given that the loan was serviced over a year ago. However


Complaint_ID: Yes
Date_received:
Please review my case under " Dodd-Frank Act/Unfair Deceptive Abusive Acts and Practices. '' My name is XXXX XXXX and I was told that you may be able to assist me. I was removed from my place of employment ( XXXX XXXX XXXX ) in XXXX XXXX due to a XXXX in which my income was drastically reduced. I reached out to my mortgage lender ( Wells Fargo ) and then VA for assistance. As I was not behind on my mortgage


Date_received: I contacted a Realtor ( XXXX XXXX ) to assist me with the sale my house. Unfortunately
Complaint_ID: Yes
Product:
 because the economy was under water my home appraised for less than what I owed. I owed {$240000.00} and the house appraised at {$230000.00}. My Realtor ( XXXX XXXX ) contacted Wells Fargo and we were assigned to Wells Fargo Home Preservation Specialist ( XXXX XXXX ). Later

Subproduct:
 after a thorough review of my account the Wells Fargo Home Preservation Specialist agreed to allow for a short sale of my home. XXXX XXXX also informed us that because of my credit history along with my medical hardship that Wells Fargo would approve a short sale and waive the deficiency balance against myself and any third party attached to my mortgage. I asked if by waiving the deficiency balance against me and any third party meant that they would also not go after the VA for the deficiency balance. I was told that Wells Fargo would write the balance off and would not seek payment from myself or the VA if I complied with the short sale. I continued to pay my mortgage on time until the day that the short sale was completed. I was not 61 days behind on my mortgage payment


Complaint_ID: Yes
Date_received:
I contacted Wells Fargo again and this time I was assigned to XXXX XXXX. I sent XXXX the letter that I received from Wells Fargo showing that it was stated that Wells Fargo would waive the deficiency balance against me and VA. XXXX XXXX that although the letter stated that Wells Fargo would waive the deficiency balance against me


Product: even though Wells Fargo was paid in full
Complaint_ID: Yes
Date_received:
I now have a significantly reduced credit score and compromised VA entitlement ... a double whammy. Due to my credit report reflecting a short sale

Subproduct:
 I can not get a home loan because I have to wait statutory 7 years to qualify for a Conventional loan. Secondly


Complaint_ID: No
Date_received:
04/17/2016,Debt collection,Federal student loan,Communication tactics,Threatened to take legal action,I was paying my student loans under a student assistance program and had n't realized that they stopped collecting payments from my account. When I received a phone call from Navient


Issue: because it 's a business check '' I left the branch
Complaint_ID: Yes
Date_received:
I was greeted by XXXX XXXX and she informed me that they could only cash XXXX of the checks due to the amount of funds available in the branch. I understood and asked that she cash the smaller of the XXXX checks ( {$4200.00} ). I then asked if I could return on the next business day and cash the second check. Her response was " we do n't print the money here

Product:
 you can come back and check '' ... I immediately flushed red and showed my discomfort at being so rudely spoken to. I then if she could arrange a date for me to return and have the check cashed

Subproduct:
 explaining I did n't want to make unnecessary trips if I could n't conduct my business and she replied "" NO and there will be a XXXX dollar fee


Date_received: 04/25/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company_public_response: he told me that he was part of Oracle Financials
Complaint_ID: Yes
Consumer_narrative:
XXXX/XXXX/2016 - XXXX : Received a call from XXXX direct extension XXXX and person left a voicemail - I checked the voicemail : it says " XXXX XXXX who received correspondences on behalf of his client on a fraud case that will be filed against me in my county according to Federal and State laws. The charges will be filed within 72 hours and that his client wants me to provide a character statement on my defense. The reference docket number for the case is : XXXX ( I have a copy of the voicemail ) - I called XXXX XXXX the number back at XXXX


Product: they had nothing to do with it. When I asked if he were willing to send a verification letter
Complaint_ID: Yes
Date_received:
- At XXXX pm : I called XXXX XXXX XXXX and they did not pick up. I called them again at XXXX and XXXX told me they had given the loan to XXXX XXXX - At XXXX : I called Oracle Financial ( XXXX ) and they argued that since the phone call I received did not come from their toll-free number


Complaint_ID: Yes
Date_received:
- At XXXX : I decided to call XXXX XXXX so that he could tell me again who he was working for. He did not pick up but his voicemail said he was working for ORACLE Financial - At XXXX : I called Oracle Financial again to inform them I was filling an FCDPA violation claim and wanted to know if XXXX XXXX was working for them ( based on his voicemail greeting )


Date_received: - At XXXX : I called again
Complaint_ID: Yes
Product:
 this time I explained my situation to another employee who said he was not qualified to help and transferred to what I believe to be their claims department. The person I talked to asked me for my social security number and since I was already highly suspicious I refused. I was however willing to give them my name and my phone number to check their records. Suddenly


Date_received: 04/28/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Received a loan I didn't apply for
Subissue: Received a loan I didn't apply for
Company_public_response: "" XXXX Credit Bureau
Company: especially XXXX Credit Report
ZIP_code: "" REMOVED/DELETED from my credit reporting bureaus. If I remember correctly
Complaint_ID: Yes
Consumer_narrative:
The Creditor, 500FASTCASH500 PAYDAY LOANS, has continued to call me requesting payment after I have legally proved that this is a, " Thief/Fraudulent Account! '' All

State:
 "" REMOVED/DELETED '' this account after I had to file XXXX police reports and verified that this account does not belong to me. All documents were also sent to this Creditor of 5OOFASTCASH500 Payday Loan Company twice and they still continue to harass me in wanting payments for an account that has already been

Submitted_via:
 XXXX was the first to remove them then XXXX Credit Bureau. Please inform this creditor that this account has been disputed legally with police reports and verifying documents that I proved this is


Date_received: 04/18/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Company: I was missing payments. I called as well as answered when they called
Company_response: review of my finances
Consumer_disputed: who was NOT my co-signer
Complaint_ID: but simply a reference on the loan
Consumer_narrative:
I have a private loan through Navient which they took from XXXX XXXX. I finished XXXX XXXX in XXXX and was told I had already used my deferment, though I was not aware of this, and no one was able to tell me when I had used it or give me details regarding it 's use. They simply stated " it had been used '' and refused to provide further detail. Because of this

Company_public_response:
 when I was unemployed and trying to get a job ( waiting on paperwork from the Board of Counselor 's to come through )

State:
 several times and asked if there was any deferment or forbearance or anything available and was told there was not. I was yelled at by the employees of Navient multiple times

ZIP_code:
 interrupted while speaking and then at another time essentially told they could n't do anything so I should simply cease to answer the phone. I finally called the main office and reached my "" case manager '' and was told if I made a payment that month my account would not be sent to collections and we could start on a manageable payment plan the following month. I paid the requested amount

Submitted_via:
 and a week later was receiving calls again ( the month had not changed ) stating that the previous amount "" simply brought [ me ] current '' but that I needed to make an additional payment. I expressed that I was informed by my case manager of the amount required and that I had already paid that

Date_sent_to_company:
 to which the response was that it was not enough. I called the following month to set up the payment plan and was given an amount that was not "" manageable '' as I had previously been told. I was informed this was my only option without a credit check

Timely_response:
 and review of my co-signer 's finances. I informed my case manager that I would speak with my co-signer and we would determine our next step. She then called another individual


Product: LLC"
Subproduct: GA
Issue: 31093
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/04/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/04/2016,Debt collection,Medical,Disclosure verification of debt,Not given enough info to verify debt,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Capital Accounts


Complaint_ID: Yes
Date_received:
03/28/2016,Debt collection,Credit card,Cont'd attempts collect debt not owed,Debt resulted from identity theft,On XXXX a fraudulent transaction was executed on my Macys account. I received an email alert and immediately called Macys to stop the transaction and freeze my account. This did not occur. Repeated calls and paper work to Macys to address did not stop harassing calls


Date_received: This is a systematic abuse of clients
Complaint_ID: Yes
Product:
 to not provide clients the ability to get fraud rectified (fraud made possible by Macys lax purchase verification - no validation of a XXXX against personal ID - really??)


Date_received: 04/22/2016
Product: Credit card
Issue: APR or interest rate
Complaint_ID: Yes
Consumer_narrative:
XX/XX/XXXX, I began to work with Home Depot ( store # XXXX ) on a bathroom renovation project, in large part because they offer 24 months of interest-free financing for such projects. In XXXX XXXX, once the estimate for the work was obtained ( approx {$25000.00} ), Home Depot/Citibank, N.A. extended me a credit line of {$26000.00}, with 24 months ' interest-free financing. XX/XX/XXXX, I noticed on my monthly billing statements that Citibank had, in fact, been charging me interest and so while I had been paying {$1000.00} per month ( more than the minimum payment due each month ), my balance had not been reduced much from the original {$25000.00}. I called customer service on XXXX XXXX, XXXX to inquire and they advised that they had never received the information about the promotional rate from the store ; after a long hold during which they researched, they advised that they would reverse the interest charges within a couple of billing cycles. As of XXXX XXXX, XXXX, it has not been reversed, so I again called customer service and was told that the reversal was put in a " referral queue '' where it has sat for two months. The representative was not able to help at that time


Complaint_ID: Yes
Date_received:
They also provided an affidavit of sale from the Finance Manager of original creditor ( XXXX XXXX ) stating that a " pool of accounts '' were sold to Midland Funding


Complaint_ID: Yes
Date_received:
04/28/2016,Debt collection,Payday loan,Cont'd attempts collect debt not owed,Debt resulted from identity theft,This company claims I took out a payday loan. I never took out a payday loan. I told the lady on the phone it was fraud


Date_received: 04/25/2016
Product: Credit card
Issue: Other
Complaint_ID: Yes
Consumer_narrative:
My Capital One credit card has been placed into " Account Restricted '' status for over a week. Capital one had no good reason for initially putting the account into the status

Company_public_response:
 and has refused to remove it. When I initially called the fraud department to discuss the matter on XXXX/XXXX/2016


Date_received: However
Subproduct: we were able to do that without a problem. Unfortunately
Company: my address
Complaint_ID: Yes
Product:
 that is when the problem started. They wanted to verify two payments I had made from XXXX separate checking accounts on XX/XX/XXXX and XX/XX/XXXX. We had to conference call each credit union to verify that the funds have cleared. For the payment on XX/XX/XXXX

Issue:
 the credit union that I made the payment from on XX/XX/XXXX does not verify information over the phone for account security. They suggested that capital one fax in a request for information and they would respond by fax. Capital One indicated this was not acceptable. Instead

Subissue:
 the fraud agent asked me to send in a copy of a recent statement from the checking account. I provided that information to capital one

Consumer_narrative:
 and called back a few days later. They said that the information was insufficient to remove the restriction and I had to provide transaction details showing that the payment cleared from the checking account. I did that

Company_public_response:
 and capital one said that was not sufficient to remove the restriction. I also provided a letter from the bank indicating that I owned the checking account in question ( the letter had my name


Issue: and there is now a large credit balance on the account. I have never had a payment returned
Consumer_narrative: which is a complete lie. Mind you
Complaint_ID: Yes
Date_received:
Capital One 's payment verification system is incredibly stupid. Their employees continuously blame me because the credit union wo n't give out information over the phone. At no time prior to the payment being made did Capital One indicate that this type of verification would be needed to accept an ach payment from a checking account. Moreover

Product:
 they are unwilling to return the payment and let me replace the payment from a different bank that they can verify. In fact

Subproduct:
 I sent in bill payments while the account has been frozen with the hope that would be sufficient for Capital One. It was not

Subissue:
 or been late with a payment on this account. Capital One had no good reason to initially put the account under review. They said something about my protection


Product: Inc."
Subproduct: GA
Issue: 30032
Subissue: Older American
Consumer_narrative: N/A
Company_public_response: Postal mail
Company: 04/28/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/27/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Subproduct: I emailed XXXX
Issue: the PHH loan processor
Complaint_ID: Yes
Date_received:
First they rushed us papers telling us to get them back to them in a few days. Then they wanted more papers

Product:
 because they did n't send the right ones the first time. I then enlisted the assistance of my wealth management team and double checked with them to be sure that I had the correct documents. We had planned to go out of town and supposedly the closing was to occur before our leaving. After several days

Subissue:
 asking her if closing was going to happen before we left. Her response was to tell us we needed to send more papers to her

Consumer_narrative:
 more documentation. ( I wonder what would have happened if I had n't asked how things were going? ) Again with assistance from my wealth management team


Date_received: Things got worse from there. Last year ( XXXX )
Subproduct: once again
Issue: assistance from our XXXX XXXX team
Subissue: the tax bill was eventually paid
Consumer_narrative: with PHH paying the interest and penalty. This year ( XXXX )
State: XXXX
Date_sent_to_company: on XXXX I emailed PHH through their website 's offering of "" Contact Us
Company_response: '' briefly stating what we want. Eventually
Timely_response: with the assistance of my wealth management team I was able to reach a resolution
Complaint_ID: Yes
Product:
 PHH did not pay the XXXX taxes! We got a note from the local tax collector telling us we were delinquent and that there was a penalty and interest added to the tax bill. After several phone calls and

Company_public_response:
 PHH wanted to increase our escrowing by $ XXXX month even though our taxes and insurance did not increase a penny. This was a year old loan. How could such a miscalculation occur? It was at that point we decided to escrow our own taxes and insurance. PHH provided no customer service with our requests. Instead

Company:
 PHH 's continual errors forced us to see that it would be in our best interest to stop escrowing tax & insurance with them and to be responsible for our taxes and insurance ourselves. PHH 's bad customer service in trying to procure from them the necessary paper work to obtain our goal of being responsible for our own taxes and insurance included multiple promises made by PHH through phone conversations with our XXXX XXXX team and me that been broken. These contact dates have occurred on or about XXXX XXXX

ZIP_code:
 XXXX. Broken promises include : not returning phone calls from a supervisor-as promised ; directly stating that those necessary forms are being mailed "" today '' ; "" this should not be a problem ''

Submitted_via:
 and failure to mention approval was needed by XXXX to stop the escrow. In addition to those previously listed phone calls


Date_received: I had filed a complaint in XX/XX/XXXX
Product: and Chase the resolved the issue then
Complaint_ID: Yes
Subproduct:
 but i=t still keeps on showing up on my credit report. This has caused irreparable harm to my financial situation


Product: LLC"
Subproduct: IL
Issue: 60517
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 05/03/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
05/03/2016,Debt collection,Medical,Disclosure verification of debt,Right to dispute notice not received,,Company believes it acted appropriately as authorized by contract or law,ATG Credit


Date_received: 04/18/2016,Mortgage,Home equity loan or line of credit,Loan servicing
Product: payments
Subproduct: escrow account"
Complaint_ID: Yes
Subissue:
I divorced in XXXX. A home was settled in divorce through XXXX XXXX XXXX as my ex-husbands. He did not pay the debt. XXXX mortgage was XXXX, XXXX was Capital One. House was sold in Sheriff 's sale. In XXXX, I received a call from XXXX XXXX to " settle '' the debt which was previously Capital One 's

Consumer_narrative:
 the XXXX mortgage. I "" settled '' with XXXX XXXX for {$28000.00} on XXXX/XXXX/XXXX. Capital One has NEVER acknowledged that the debt was settled. It is my understanding based on my personal research

Company_public_response:
 that it may have went to XXXX from Capital One then XXXX XXXX bought it from XXXX Capital One has continued to say I owe them the full amount yet they can not seem to provide any records or trail of what happened to the debt. I hired an attorney as Capital One decided to start putting it on my credit report in XXXX I think and would n't work with me towards resolution. 3 days after my attorney contacted Capital One


Date_received: 04/26/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Complaint_ID: Yes
Consumer_narrative:
I have received XXXX calls about a debt that I supposedly owe in the amount of just above {$500.00} for an endoscopy center. The first time I was called was in XXXX of XXXX and they refused to tell me who they were and what they called about until I gave them my personal information. After giving them this information and asking what this was about I was rudely hung up on and told " Oh well it 's your credit being ruined. '' I received another call on XXXX/XXXX/XXXX by XXXX asking me to return the call about a letter sent

Company_public_response:
 not stating who was calling or what it was in reference to. I called the number back and spoke with a young lady. Again

Company:
 I was refused to be told who it was until I gave my address and last XXXX of social. I obliged and was told it was AR Resources calling about a letter sent to collect a debt. I explained that I did not get any letter about a debt and I would pay it up receiving said letter proving I owe. I was told "" This is n't a business that sends bill after bill after bill. We need to collect the money before any further action is taken. '' I explained I never got a bill and to send me a bill

State:
 I was n't going to give someone money if they ca n't prove to me I owe the money. I was told they already sent it and they would n't send another. They would accept credit and debit cards over the phone at no additional cost. I told them I will not be paying anything until they can prove that I owe anything as I did not get notice of this. She then said "" Fine I will send a bill


Date_received: 03/11/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
I am a customer of PNC bank ( formally XXXX XXXX ), have been banking with them since the XX/XX/XXXX 's and have both mortgages with them. Recently my equity line became due. I was working with them to try to refinance the line but they declined due to collateral. Then I was forwarded to a modification department who again declined due to collateral. Finally I was sent through a hardship department who said they would modify it but at a payment XXXX 's what I was paying. Living paycheck to paycheck, I could n't afford it. I requested different terms as I have never missed a payment with them and they declined. Since I was n't able to afford the modification, PNC told me they basically would write the debt off XX/XX/XXXX. I heard nothing from them until XX/XX/XXXX when they withdrew {$7000.00} from my checking account leaving me with {$100.00} for the month. There was no mailed notices saying they were still trying to collect the debt or anything. When I spoke with someone from PNC, they stated that the loan had been charged off and they were allowed to take all the money that they owed and basically accused me of being a deadbeat. The money that was in the account was from a retirement account to be used to fix the house to the city and insurance codes as the roof and tuck pointing needs to be done or I will be fined and lose the insurance on the home. I asked PNC for a copy of the Note and was told they could n't send it to me. I am not sure what to do as everything I have read about these " set off 's '' stated that they had to be actively trying to collect the debt ( they had n't )


Product: Inc."
Subproduct: OH
Issue: 43123
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/29/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/29/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 03/12/2016
Product: Credit card
Issue: Advertising and marketing
Complaint_ID: Yes
Consumer_narrative:
I have been a customer of PNC Bank for over 10 years, and I have had a PNC points Visa credit card for most of that period of time. My main checking account is with PNC. Recently, I received a prescreened offer of credit from PNC encouraging me to open a PNC points Visa credit card - which, as I mentioned, I already have! I was concerned that either a. the account had been closed for some reason and I had n't realized it or b. there was a data integrity issue within PNC that resulted in them not realizing that I was currently a card holder. I contact PNC online customer support who told me that in fact they do routinely offer identical products to current customers for their own " benefit. '' I realize this is a very small problem in light of all of the other issues facing consumers in the financial space

Company_public_response:
 but I 'm just incensed that PNC has so little regard for me as a customer. I fail to see how opening another credit card I do n't need ( and already have! ) is in any way a benefit to me. It 's insulting


Subproduct: due to them just sending it to a different account is not possible for obvious reasons. XXXX
Issue: the company who refunded our money sent the money
Consumer_narrative: they refuse to give us the money that was sent to our old account
Complaint_ID: Yes
Date_received:
04/28/2016,Bank account or service,Checking account,Deposits and withdrawals,,My wife 's wallet was stolen

Product:
 so we had to close our old account through us bank. So we closed said account and opened a new one ( mind you this will be our second time dealing with this issue ). I recent refunded a game worth XXXX and it was refunded to my old account

Subissue:
 we have documents on our side and XXXX side saying they refunded the money to us bank. Now after speaking with us bank


Product: Inc."
Subproduct: CA
Issue: 92658
Subissue: Older American
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/29/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/29/2016,Credit reporting,,Credit reporting company's investigation,Problem with statement of dispute,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 04/19/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: MD @ XXXX XXXX XXXX XXXX
Company: XXXX
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/2016 contacted HSBC Bank to register Credit Card for online access to pay bills. Was advised they could n't do it and to call a different number. I had them transfer me and was advised that the account had been closed and that I was classified as " deceased ''. They told me I had to go into a branch location with ID to verify identity. I went to the HSBC Branch In XXXX

State:
 MD XXXX. They took photocopies of my ID 's and said that there was nothing they could do at the present time and had to be worked on in house. They said someone at HSBC made an error but gave no time table or additional info regarding resolution. The personal I was dealing with at the bank said


Complaint_ID: Yes
Date_received:
05/02/2016,Credit reporting,,Incorrect information on credit report,Account terms,The XXXX XXXX XXXX 's Activity Designator Should be "" Closed ''. It currently has NA - even though there is a published Close date


Product: Inc."
Subproduct: VA
Issue: 22309
Subissue: Servicemember
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/10/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/10/2016,Student loan,Non-federal student loan,Can't repay my loan,Can't decrease my monthly payments,,,Navient Solutions


Date_received: 04/30/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: XXXX
Complaint_ID: Yes
Consumer_narrative:
I had a XXXX. We both thought I was still covered by insurance but discovered afterwards I was not. They billed me for approx {$700.00} for the total procedure and followup visits. I alerted them the insurance was not in effect so we negotiated the cost to around {$270.00} which I agreed to and paid by check. I even wrote " Paid in full '' on the check ... just in case. They made attempts about a year later to collect the old balance despite my paying the agreed negotiated price to the medical center. Now they have turn XXXX bill into XXXX separate bills. The {$270.00} I already paid then their re-calculated additional bills which did not arise until months after we had already negotiated the charges. The debt collector has now dinged my credit XXXX separate times for the XXXX incident which I already paid the agreed settlement amount. The woman


Product: very little if at all goes to the principal. Secondly
Subproduct: when I called them to extend the reduced payments
Issue: and to ask about the fees I see online
Subissue: I was laughed at by customer service
Consumer_narrative: and rebuffed by the supervisor. I was denied an extension of the reduced rate
Complaint_ID: Yes
Date_received:
I was put into a Rate Reduction Program from XXXX. I was told I can pick my own payment dates, I picked the end of every month as the due date. I gave them my bank account number so the payment is debited every month at the end of the month. When I logged into my account online I see that I was consistently charged a late fee of {$6.00}, and overall, my payments were applied to interests and other unspecified " fees '' that were not explained. Out of the {$130.00} I pay monthly


Complaint_ID: Yes
Date_received:
When I called Amex the first time, they said there was n't anything they could do since the payment had already " posted '' even though it was still pending on my bank account. I had to call Amex 6 more times to resolve this issue. First

Product:
 they said that my bank denied both of the payments so I had to pay them again for the credit card bill -- this was untrue -- and that I needed to resolve the issue with my bank

Subproduct:
 not them. I called my bank to confirm that they only denied XXXX transaction and they said they had. Then Amex tells me that they will fix the issue because my credit card statement was showing a negative balance. They said they could apply the balance to another card I had with them

Issue:
 but I told them that I just wanted a refund for the payment. They said they ca n't issue one directly to my bank account


Date_received: A week later
Product: my account is still not fixed
Subproduct: but I do receive a check in the mail. However
Subissue: and they tell me they will and that it will take up to 48 hours. Over a week later
Complaint_ID: Yes
Issue:
 Amex now shows that I owe them for the check that they sent me because my bank settled the dispute with them and made my temporary credit a permanent XXXX! No one from the bank or Amex had mentioned anything about this to me until I got a letter in the mail over a week and a half later. I called Amex again to see if they could cancel the check and remove the money I "" owe '' them

Consumer_narrative:
 my account has not been fixed so I call them again. They then tell me the only way to cancel the check is to mail it back to them so they can void it

Company_public_response:
 but they said it could take up to a few weeks. They told me I should just cash the check and pay them online. This has occurred over the span of 4 weeks -- each time Amex arguing with me that I owe them twice for my credit card bill and then promising to fix it. To top it off


Date_received: 04/30/2016,Debt collection,Other (i.e. phone
Product: health club
Subproduct: etc.)"
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: for the sake of peace I paid this unknown
Complaint_ID: Yes
Consumer_narrative:
XX/XX/XXXX, I had a billing dispute with XXXX so I decided to change carriers, ( XXXX XXXX XXXX ). I communicated via email with a manager of some kind who appeared sympathetic. Nonetheless, my account went into collections. The collection agency that handled my account collected about {$330.00} from me. From this point on, I thought the debt was satisfied. 2 years later, XXXX or the collection agency " Diversified Consultants '' is still listed on my credit report as a collection item. I called the collection agency and was informed by a representative that most items take 45 days to be removed from a credit report. This obviously did n't happen. I requested proof of payment from the collector and they agreed to send documentation. I called XXXX 's Finance department who informed me that I still owed {$230.00}. So

Company_public_response:
 for 2 years I was responsible for a debt I never knew existed. XXXX said contact the debt collector. The debt collector said the account was paid and closed. So

State:
 due balance on XXXX/XXXX/XXXX and asked for physical proof of payment. The representative said that they only provided confirmation numbers. Considering the discrepancy in information received and the negative impact this has had on my credit report

ZIP_code:
 I need physical documentation that both confirms the debt was satisfied and that the item has been removed from my credit report. Had I not did my due diligence


Product: they sold to several and after we couldnt get a straight answer on the account
Subproduct: we quit paying.. We basically still owe what we took out in XXXX. In XXXX
Issue: my husband recieved a call from a man namd XXXX from Shellpoint
Consumer_narrative: we couldnt afford that
Complaint_ID: Yes
Date_received:
During this time, we still continued to pay but was unable to find a way to get out of this loan bc of the bankruptcy that was filed thanks to XXXX. XXXX and XXXX sold our loans to other servicers. XXXX sold our first to XXXX XXXX XXXX and they " modified '' our loan after our bankruptcy discharge.. They also applied none of our payments to principal during that time and then put it back into the modification.. This was recently realized when I sat down and combed through the records. XXXX then picked up our home loan after that and the level of unprofessionalism and abuse we dealt with was ridiculous.. We even thought about foreclosing on the hone bc their bullying tactics were too much.. They sold to XXXX a few mos ago. As for XXXX

Subissue:
 saying the account has basically aged out and that they wouldnt be charging any interest and then said that they werent persuing it. Then sent us a setttlement offer for {$3700.00}. At the time


Date_received: Recently
Subproduct: he gave us literally FOUR DAYS to get the money
Complaint_ID: Yes
Product:
 my husbands credit has become much better and we were in the middle of a refinance. The issue of a lien being held by XXXX is still on the house. XXXX XXXX asked us to see if they would settle. My husband asked them for a settlement and the guy said the same amount and then when my husband said we were using a refinance to pay this back


Complaint_ID: Yes
Date_received:
I have called Bank of America on two separate occasions to inquire about when this transaction will be " rolled off '' my account. The first time


Date_received: Today
Product: XXXX/XXXX/XXXX
Complaint_ID: Yes
Subproduct:
 I was told that they 'usually ' roll off within 7-10 business days. I was transferred from Customer Service to the "" Authorizations '' section of the Fraud Department. The "" authorizations '' employee was unable to remove the pending charge so I requested to speak to a supervisor. That supervisor then transferred me back to Customer Service

Issue:
 remaining on the line. When the Customer Service department told the supervisor that they would need to speak to "" Authorizations '' I was again transferred back to the Fraud Department. At which time

Subissue:
 the supervisor that was on the line with me abandoned the call and I was 'blind transferred ' back in to her own department


Product: definitively
Complaint_ID: Yes
Date_received:
I received only XXXX cash advance on XXXX/XXXX/XXXX in the amount of XXXX XXXX ( USD XXXX ). I would like the pending charge removed in a timely and efficient manner. In all my conversations with all representatives that amount of time has been 10 days at most. I have received no other information on the matter. In my last conversation with a Fraud Department representative I was summarily told that I needed to contact XXXX and get a "" removal code. '' I informed the Bank of America representative that they had each individual transaction and that someone at Bank of America should know


Product: LLC"
Subproduct: FL
Issue: 32839
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/27/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/27/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,,,Capio Partners


Issue: but the card was denied in the system
Subissue: per the merchant. On XXXX XXXX and on XXXX XXXX
Complaint_ID: Yes
Date_received:
I have had my Discover Card in question since 1995 ( 21 years ). I not only have an excellent history directly with Discover

Product:
 but also have a very high FICO score which recently ranges from XXXX to XXXX ( with XXXX max ). On or about XXXX XXXX

Subproduct:
 I received a letter from Discover informing me that my account was suspended and would be closed within 30 days. The letter states that the closure was due to "" Inactivity on your account. '' I then tried to use my credit card for a purchase


Date_received: Through online research conducted on my own
Subproduct: but I was mistaken. My assigned rep in this dept was XXXX XXXX. I explained to XXXX XXXX
Subissue: for simply not having any recent activity seemed unfair and silly. This has happened before
Consumer_narrative: with other credit cards I own
Complaint_ID: Yes
Product:
 I found that Discover had a department called the "" Executive Office of Customer Advocacy. '' I thought this dept would handle my concern in a more "" independent '' manner

Issue:
 that I thought I was being treated in an unjust manner as a long-term customer of Discover. For someone to have their account closed without any recourse


Product: but also with XXXX XXXX. By closing my account with 21 active years
Subproduct: this hurts the "" length of credit history '' aspect of my credit score. Also
Subissue: danced around this issue
Company: will now reflect a lower credit score
ZIP_code: I explicitly informed her that it was OK to leave a voice mail. After about 13 days or so
Date_sent_to_company: and that she also sent me a letter stating the same. I had various questions for XXXX XXXX
Complaint_ID: Yes
Date_received:
One of my major concerns is that Discover 's action to close my account actually hurts my excellent credit score/history. This was not only explained in detail to the two supervisors that I had conversation with

Issue:
 by closing my account with a credit limit of {$12000.00} this also hurts my credit score ; because a person 's total amount owed ( on all accounts ) is compared to your overall credit limits on hand. The two supervisors and XXXX XXXX

Consumer_narrative:
 and said they could not answer to this concern because they were not a "" credit analyst. '' This is very basic credit/FICO information

Company_public_response:
 and knowledge that anyone in their ( elevated ) positions should understand. ( The irony is that Discover 's widely advertised free ability to show MY credit score on my statement

State:
 due to them. ) XXXX XXXX promised to call me back within a short period of time. She never did. In my initial call with her

Submitted_via:
 I called her and she said that she had attempted to call me. I do not believe she was being honest with me. She then told me over the phone that Discover could not re-instate my account

Company_response:
 but instead she gave me vague answers. Most of her responses had little to no connection to the actual questions I was asking. Instead of talking to me as a human being


Date_received: In conclusion
Subproduct: in my opinion
Complaint_ID: Yes
Product:
 I am just shocked that Discover Card would treat a customer in this fashion. There is nothing "" negative '' that I have done wrong. Actually

Issue:
 I would describe the way I have conducted my financial affairs throughout my entire life as near-perfect. I have always treated my credit history and score in a very serious manner. Most credit card companies desire to find and hold customers with excellent credit

Subissue:
 but instead Discover rejects individuals like me. For Discover to hurt me and others for simple "" inactivity on account '' seems to be not only unfair


Product: Servicemember"
Subproduct: N/A
Issue: Fax
Subissue: 04/06/2016
Consumer_narrative: Closed with explanation
Company_public_response: Yes
Company: No
Complaint_ID: Yes
Date_received:
04/04/2016,Credit card,,Identity theft / Fraud / Embezzlement,,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Bank of America,NV,89406,Older American


Date_received: 03/15/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company_public_response: on a XXXX highway. I was in XXXX briefly
Company: with no cell service. I could n't charge gas or a hotel. Almost back to the U.S.
ZIP_code: Citi declined a {$130.00} charge "" due to fraud. '' I tried the charge 4 times
Submitted_via: humiliated
Date_sent_to_company: not knowing Citi had arbitrarily decided the purchase
Company_response: which I 'd made before
Timely_response: was n't within my "" normal spending pattern. '' Another time
Complaint_ID: I had a last-row seat. Today
Consumer_narrative:
Last year, Citicard put my life at risk, shutting off my credit card due to " fraud '' as I was driving on a winter night

State:
 I had no XXXX money left. My car ran out of gas in freezing weather. I could 've been killed alone on the highway at night. Then on XXXX XXXX

Consumer_disputed:
 Citi declined my concert ticket purchase. I 'd gotten a front row seat. By the time Citi "" allowed '' me to buy


Product: Inc."
Subproduct: CA
Issue: 91911
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/27/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: I had a last-row seat. Today
Date_received:
04/21/2016,Consumer Loan,Installment loan,Problems when you are unable to pay,,,,Stanislaus Credit Control Service


Complaint_ID: Yes
Date_received:
My wife and I have called Ditech several times for the last 14 days ( XXXX XXXX to XXXX XXXX, XXXX ) to ask them to correct this error. I spoke to XXXX on XXXX XXXX and was told that this error will be fixed soon. We received XXXX letter that our account has been assigned to an account representative with a statement that states " this communication is from a debt collector. '' On XXXX XXXX my wife spoke to an account representative XXXX XXXX who promised my wife that this error will be corrected on XXXX XXXX


Product: Inc."
Subproduct: IN
Issue: 471XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 01/26/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,National Collection Systems


Date_received: 04/24/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
I am once again being asked to provide another extension to JPMorgan Chase a full year of them requesting extensions upon extensions to further investigate my claims of which I will document below. This is the same tactic used in XX/XX/XXXX when they were forced to pay XXXX to homeowners to settle state & federal claims over questionable mortgage practices promising to work harder helping homeowners. What did they do including JPMorgan Chase? Homeowners that were forced into foreclosure or bankruptcy were now being given letters forgiving their debts. " You ca n't forgive a debt that you 're legally unable to collect ''. Banks are always gaming the system. Hence the clamor recently by those running for office/ their advisers like XXXX XXXX who now positions himself as a "" White Collar Criminologist '

Company_public_response:
 planning on curbing this terrible abuse of the financial system. From a recent letter sent to Chase :. ) CONFUSION AND CHAOS IN TRADITIONALLY A SIMPLE MORTGAGE PROCESS. Again

Company:
 we talked to XXXX Chase Representatives during the verbal mortgage and modification process and received XXXX Trial Payment Letters and errors for submission


Date_received: It only gets worse : The Trial Payment Plan dated XXXX XXXX
Product: XXXX indicates a start date on XXXX XXXX
Complaint_ID: Yes
Subproduct:
 XXXX that you "" confirmed '' in your recent correspondence as the "" approved date '' -- after the missteps. There is also an attachment dated XXXX XXXX

Issue:
 XXXX simultaneously writing for a payment that was past due and or not received by said date of XXXX XXXX


Subproduct: '' with a paucity of information. Either way
Complaint_ID: Yes
Date_received:
It makes no sense whatsoever but one can only assume that Chase was too big and preoccupied with the takeover of Washington Mutual ( the originator of our mortgage ) and the messy litigation that followed

Product:
 or perhaps a scheme to confuse or intentionally defraud with the revolving door of Chase Representatives and the concept of a "" verbal mortgage

Issue:
 it could be concluded that Chase did not have the proper controls in place to "" house '' and process the most important and precious asset for working-class people like me


Complaint_ID: Yes
Date_received:
3. ) FALSE CLAIM OF NON-PAYMENT ON APPROVED XX/XX/XXXX MODIFICATION. Chase has repeatedly claimed a paucity of information but we kept all of our documentation


Date_received: 4. ) Our records clearly show that we made first payment on the XXXX XXXX
Issue: then the nightmare began. "" Nothing in the file
Subissue: who told you so
Consumer_narrative: we have no record
Complaint_ID: Yes
Product:
 after repeatedly calling Chase to confirm the payment amount. Thanks to the brilliant idea of a verbal mortgage! Our records also confirm that we first tried to make the second payment on-line but when it was not accepted

Subproduct:
 went to the local bank make the payment there. The Teller & Bank Manager could not process payment. Called Chase corporate


Date_received: 04/22/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company_public_response: the branch rep typed up a form however the amount was NOT correct so I could n't sign it
Submitted_via: for a lien of XXXX
Company_response: I have agreed to release the funds
Timely_response: and no one can seem to assist me. I did not dispute the lien
Complaint_ID: the only funds available were XXXX
Consumer_narrative:
On XXXX XXXX, 2016 a Notice of Lien was filed on my account with Bank of America in the amount of XXXX from an attorney. Bank of America doubled the amount and put " on Hold '' XXXX. I made several phone calls to explain the CASE # is the same even though the judgment and notice of lien was filed as joint. After several phone calls and visiting the Bank of America branch on two separate occasions due to the person in their legal department told me to go into the branch and sign a "" early payout ''

Company:
 no resolution to the problem and my account continued to be charged. On XXXX XXXX XXXX was debited from my account and I was charged XXXX twice

State:
 once for me and once for my husband. On XXXX XXXX XXXX and XXXX was debited from my account. As of XXXX XXXX

ZIP_code:
 2016 the attorney has NO RECORD of Payment and Bank of America can not tell me where my money has gone. So

Date_sent_to_company:
 my account is out a total of XXXX and no one ( after 13 calls and two visits to the branch ) can tell me where those funds have gone. I am on Day 17 with no sign of resolution in site. With no explanation my fees for overdrafts is totaling over XXXX between the bank and creditors that items were returned to. Since XXXX XXXX

Consumer_disputed:
 I wanted to pay this but having my account debited on three separate occasions and the amount of time it has taken for them to resolve this issue is criminal. I believe when they got the order on XX/XX/XXXX after they took their fees of XXXX


Date_received: 04/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: I sent a letter back certified mail on XXXX XXXX
ZIP_code: XXXX from XXXX XXXX. It stated the following "" To reiterate
Date_sent_to_company: XXXX. '' It also stated "" Though my letter to you identified our law firm as a debt collector
Company_response: my letter to you was neither a demand for payment nor an attempt to collect a debt
Complaint_ID: Yes
Consumer_narrative:
I learned through research that certain disclosures where to provided when you purchase a home. I learned of this information from several sources including the Supreme Court Case No : XXXX XXXX XXXX XXXX and XXXX XXXX v XXXX XXXX. It is to my understanding that if you never received certain disclosures you had a right of rescission. I exercised this right by sending a notice of rescission to the CEO, XXXX XXXX XXXX and CFO XXXX XXXX XXXX of Third Federal Savings & Loan on XXXX XXXX, XXXX. This notice was sent Certified Mail and I has it was also notarized. On XXXX XXXX, XXXX at XXXX XXXX I missed a phone call. I returned the call at exactly XXXX XXXX I spoke with someone, who I believe was named XXXX and identified himself as some type of analyst. He informed me that he received the notice of recession and that it was invalid because it was beyond 3 days. I informed that he was incorrect and that was not what the Supreme Court stated. He then stated that some attorney looked over it and had come to that conclusion. I asked him when he came to that decision and I believe he said several days ago. I asked why I have not received anything on this decision since he made the decision several days ago..He called back at two other times once at XXXX XXXX and another time at XXXX XXXX on XXXX XXXX. He stated I should be receiving something from the attorney. On XXXX XXXX, XXXX I received a letter from XXXX XXXX. On the top of the letter it states XXXX, XXXX, XXXX, XXXX XXXX XXXX however on the bottom it states in all capital letters and bold print " THIS MESSAGE IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. "" In the letter it states Third Federal of XXXX ( Third Federal ) received my XXXX XXXX

Company_public_response:
 XXXX letter claiming right to rescind the loan and retained our law firm to respond. It stated that Third Federal would not honor my request because it was invalid. It stated I had no right to rescind a loan to purchase real property. It stated I used the fund loaned to you by Third Federal to purchase the property secured by the mortgage so you do n't have a right to rescin and that the mortgage was signed in XXXX so even if it was covered under the Truth in Lending Act ( TILA ) right of rescission would be outside TILA statute of limitations. It also stated the right to rescind expires in 3 business days after the loan documents are signed and if extended for 3 years if the lender failed to provide necessary disclosures. In addition it stated that since the loan is a purchase money loan and even if it was covered by TILA 's you claim would be barred by TILA 's statute of limitations. It then states your claim for rescission is rejected. It is my understanding that a 3rd party debt collector can not make this determination. In response

State:
 XXXX stating that he was in no position to make this determination as a 3rd party debt collector. I then sent a Notice and Demand to Validate the Debt in this same letter. I received a letter back on XXXX XXXX

Submitted_via:
 you request for a loan rescission will not be honored by Third Federal Savings and Loan Association of XXXX for the reasons set forth in my letter dated XXXX XXXX


Date_received: 04/06/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: I signed and they took with them to turn in ''
State: XXXX
ZIP_code: 2016 and wo n't work with me
Submitted_via: offer help or clarify what they need. When they tell me what they need
Date_sent_to_company: I submit
Timely_response: Please
Complaint_ID: Yes
Consumer_narrative:
In regards to first complaint, things are astronomically worse if you can even comprehend that ... please see below : I have tried NUMEROUS times to modify my home mortgage loan with Bank of America. After my home loan conception with Countywide, BOA did in fact start my home loan modification and it took it over 3 years and now they are CONSISTENTLY requesting documents I 've sent them MULTIPLE X MULTIPLE TIMES!!! They continue to say I 've filled them out incorrectly, specifically my XXXX ... but I know I 've filled it out CORRECTLY. They finally sent out a Representative many times to collect and notarize the document that " they filled out

Company:
 each time I was promised it was correct. To turn around ... BOA says it 's incorrect!!! What do I do?? BOA is about to foreclose on my home come XXXX

Company_response:
 then "" my case worker '' calls me rudely every time and asks me for them same thing again every time!! I FEEL THEY ARE PROCRASTINATING WAITING FOR ME TO FAIL AND FORECLOSE! What do I do to help me and save my home? Something 's WRONG HERE. Please


Issue: I know this has to be illegal
Complaint_ID: Yes
Date_received:
BOA HAS NOW SAID AFTER 8 MONTHS OF THIS XXXX LOAN REVIEW PROCESS YHAT ALL OF MY DOCUMENTS HAVE EXPIRED AND I NEED TO RESUBMIT DUE TO A "" NEW UNDERWRITER TAKING MY CASE BECAUSE ORIGINAL XXXX CHANGED PISITIONS .... Now a new set of guidelines

Product:
 rules and more of not just the same requests being submitted. I more confused than EVER before on what this new underwriting needs and NO ONE COMMUNICATES XXXX CALLS BACK. New documentation requests estate I need to show/prove things "" from previous conversations '' ... Those in which I never had because I 'm lost as to what they 're talking about!!! TOP IT OFF

Subproduct:
 I 'm apparently 6 months in the rears of payments because my husband and I XXXX been paying mortgage payments out of XXXX asked are accounts with phone representative each mo th.. Turns out that 's payments were never credited to my mortgage rather lost in "" miscellaneous postings '' because they were n't XXXX full payment! They can neither apply the payments nor fix the fact that IVE PAID MY MORTGAGE DURING THIS TIME! I am now apparently {$4200.00} + behind and was told UNLESS I PAY FULL BALANCE NO PAYMENTS WILL BE ACCEPTED!!!! Please help


Complaint_ID: Yes
Date_received:
XXXX XXXX stated in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that " Because payments to government agencies are commonly made by check ( e.g. for payment of taxes )


Date_received: XXXX XXXX further states in the XXXX paragraph of her letter
Product: dated XXXX XXXX 2015
Issue: XXXX XXXX XXXX
Subissue: XXXX XXXX
Complaint_ID: Yes
Subproduct:
 that Citibank found no record of receiving my letter requesting a copy of the user agreement. I sent this letter using a Citibank postage paid envelope addressed to Citibank Client Services


Product: ma'am
Subproduct: I just got done speaking with the underwriters
Issue: everything is approved
Company_public_response: I am pretty confused )
Complaint_ID: Yes
Date_received:
Once I received my paycheck stubs, I re-applied, attaching my payroll information. Again, the incessant phone calls began. I spoke with someone the next morning, inquiring about the reason for the XXXX phone calls that morning, the XXXX texts that morning, and the XXXX emails, all within a XXXX HOUR WINDOW. They indicated that they had approved my loan ; however, I informed the gentleman that I was speaking with that I had received an email stating that my loan had been denied. He said, " No

Subissue:
 I 'm looking at the paperwork right here! All you have to do is sign the paperwork and you 'll be all set

Consumer_narrative:
 you 'll have access to the funds! '' I attempted to use the link to sign the paperwork and access the funds but could not. I then received ANOTHER email of denial ( by now

Company:
 stating that my loan could not be approved. I phoned the company who now tells me that the reason it could not be approved was because I needed a month 's worth of paycheck stubs. The first time it was denied was due to my credit report and the second time


Product: but they are also very unorganized and unprofessional with regards to follow-up
Complaint_ID: Yes
Date_received:
I 'm not sure what this financial lending institution 's goal is : they are DESPERATE for customers it appears based on the insane amount of contact they make BEFORE XXXX even obtains a loan


Product: that based on the confirmation of receipt of the loan that I obtained from the gentleman
Complaint_ID: Yes
Date_received:
The fact that I did not eventually receive the loan is of no consequence as my employer did correct the payroll issue and my financial standing will continue to improve. I am not bitter towards this company BECAUSE my loan was not approved. I am irritated ; however


Date_received: 04/25/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Deposits and withdrawals
State: however
Complaint_ID: Yes
Consumer_narrative:
XX/XX/XXXX paypal was going to charge me {$16000.00} when a buyer wanted to charge back all her purchases for 3 months to myself and about XXXX other merchants. We all submitted positive proof of her making the buys including government Id and her holding photos stating she was making the purchases. Paypal at first sided with all us merchants, and then later reversed themselves and charged us all with the purchase amounts. Every merchant then filed with the FBI and eventually the FBI investigated and seized her computer and the pictures were still present proving she made the purchases. Also we each filed with the CFPB against paypal and paypal then issued each of us credits for the chargebacks because paypal " violated its own policies '' regarding chargebacks. At the time paypal instituded a {$200000.00} reserve on my account for selling only

Company_public_response:
 which means I would have to deposit {$200000.00} or sell {$200000.00} before I would receive any money. Paypal withheld all my remaining money at the time which was about XXXX into the reserve. So for the past year

Company:
 I have n't sold anything. I only used my paypal to pay for things and had no problem with this arrangement. A couple days ago


Date_received: 08/26/2015
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: so there is definite value here. ) Yesterday
State: reviewed it
ZIP_code: and found nothing to warrant the rejection. My credit score
Date_sent_to_company: it looks like the Citibank rejection was just a ruse
Complaint_ID: Yes
Consumer_narrative:
I applied for a checking account ( Citigold ) with Citibank online on or about XXXX XXXX, 2015. Due to glitches with their computer system, I was not able to complete the application for several days. The account fee is {$30.00} a month ( first two months of fees are waived ), and I also submitted a code to obtain XXXX Citibank " Thank You Points '' upon completion of qualifying activity ( which consists of paying XXXX bills online for XXXX consecutive months ). ( These points would be worth {$520.00} in airline tickets if I booked through Citibank 's travel website

Company:
 I received a rejection in the mail. The letter stated that the reason for the rejection was due to information contained in my XXXX credit report. I immediately pulled up the report

Submitted_via:
 which I obtained from Citibank itself ( which is a service they provide to holders of the Citi XXXX credit card ) is XXXX ( out of XXXX ). Clearly


Complaint_ID: Yes
Date_received:
They claimed they were having trouble depositing my loan into my account so they did a " test deposit '' of {$1400.00} which I figured was legit and I was to pay it right back and I 'd get the full amount of the loan. What I did n't see was they disputed my XXXX XXXX XXXX charge ( basically called as if they were me to the dispute dept at XXXX ) and XXXX credited me the XXXX rent

Product:
 vs them actually "" depositing '' money. That 's why that {$1400.00} was in there. So I paid it back to them


Product: I had to cancel that dispute. It will come out of my account tomorrow and I 'll be negative
Complaint_ID: Yes
Date_received:
I contacted XXXX as I got an email about the dispute and put XXXX and XXXX together. To stop my apts basically getting an NSF for XXXX rent


Date_received: Had I 'd been advised from the beginning that we did not qualify for the loan
Complaint_ID: Yes
Product:
 we never would have paid {$20000.00}. in debt nor would we have flown up to XXXX ( and spent more money ) to look at homes. We are in the middle of trying to sell our current home in XXXX


Product: they should not listen to the message in its entirety. If they do listen
Subproduct: they acknowledge they are that person
Subissue: ostensibly until the recipient just gives up
Complaint_ID: No
Date_received:
The logic behind these calls is perverse ; they are structured so that "" meaningful disclosure '' of who is calling is made in such a way so as to preclude a person who does not owe the debt from contacting BACS without fear of self-incrimination. If the recipient is not the person they have asked for

Issue:
 even if they are not. So each time such a call is received if the recipient hangs up in real time or erases the message without listening to it in its entirety BACS will keep calling


Product: whether due to error
Subproduct: identity theft
Complaint_ID: No
Date_received:
There are no instructions provided in the event the recipient of the calls is not the person being sought


Date_received: 03/22/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Complaint_ID: Yes
Consumer_narrative:
The following company XXXX XXXX XXXX has placed their company name on my Experian and XXXX Credit reports erroneously. This is a college/ university, I have never borrowed any funds from this company. I once attended this college back in XXXX. Federal Student loan assistance was used to pay for my education XXXX percent. This company has know legal right under federal law ( FCRA ) to report any negative information about me to the credit agencies Experian and XXXX. I have been disputing this account with the bureaus, however it comes back " verified '' each time since XXXX. I have also requested validation of this alleged debt from data furnisher. What I receive from XXXX XXXX XXXX in reference to justifying this alleged debt


Subproduct: and by Law are not considered proof. Under the Fair Credit Reporting Act
Issue: unverified
Consumer_narrative: within 30 calendar days from receipt of this notice
Complaint_ID: Yes
Date_received:
Please be advised that TRANSUNION HAS NOT under Section 611 ( XXXX ) ( A ) of the FCRA - TRANSUNION are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : "" A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file

Product:
 unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation

Subissue:
 invalid accounts must be removed. TRANSUNION is unable to provide me with a copy of the verifiable/validated proof that you have on file


Complaint_ID: Yes
Date_received:
3. After the bank conference call, my credit card company tells me they reduced my credit limit. I did n't get any notification that they were reducing my limit. The bank says they made that decision yesterday. My response was " yesterday after you receive my payment. I told them could have sent me a letter the day after you did n't receive payment XXXX XXXX XXXX XXXX

Product:
 ie the first day it was past due on your books but you deliberately waited until you got a large payment ''. ( My payment was 12 days past the due date but I 'm aware that credit card payments are not considered late until the next billing cycle comes and goes and no payment is made. ) 4. I also asked


Issue: after arguing with them
Complaint_ID: Yes
Date_received:
6. When asked how do you come up with a decision to give me a 70 % reduction of my credit limit that was available just yesterday ... .. '' Well you make minimum payments and on the due date instead of before the due date ; you 've been late 4 times in 24 months

Product:
 your at the peak credit limit and your XXXX credit report shows delinquents on your report. Nonsense

Subproduct:
 missing the due date does Not make you late on credit reports and your credit report story is a flat out lie ... ..Sure enough


Product: it would have made things quicker and easier
Subproduct: but the loan agent told me I could only go through her. "" I feel like she did n't put any urgency
Complaint_ID: Yes
Date_received:
I spoke to the processor, and he said he could prioritize and get it done quicker. I asked if I should have communicated with him directly and he told me " yes


Date_received: 04/01/2015
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Altisource Portfolio Solutions, S.à r.l.
State: AZ
ZIP_code: 864XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
First, the problem was not with XXXX XXXX XXXX, it was the seller ( Altisource ) and the Title Agency ( XXXX XXXX XXXX ). From the beginning I felt it was like a shell gave, every email was from a different person, based in XXXX, and the company name was different. I was scheduled to close on XXXX XXXX, 2015. Due to lack of response from the title company ( which I was forced to use due to the online foreclosure purchase process ) the settlement statement to XXXX for final approval was sent late thus missing the scheduled close date. The Close of Escrow was XXXX/XXXX/15 they did n't get the statement to XXXX till late on the XXXX. Then the loan docs were not received by the notary for my signing till XXXX on the XXXX. In the meantime I had wired my closing funds and XXXX wired the remainder of funds the same day. By the time they actually recorded the deed and closed the transaction it was XXXX/XXXX/15 six days late. Then they did not return my excess closing funds for another five days. Lastly, the costs the Title Company charged were significantly higher than the local companies charge. The inability of the title company cost me, they delayed my ability to move in on time, causing me to stay in a hotel since I had packed my belongings and was out of my apartment and I had to pay interest from the XXXX to the XXXX on the loan on a home that I did not own at the time.


Date_received: 04/08/2015
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: appraisal fees
Date_sent_to_company: she stated that I was denied a loan
Complaint_ID: advertisement radio and flyer
Consumer_narrative:
I entered in an agreement with XXXX XXXX XXXX XXXX d/b/a National Home Buyers Alliance ( NHBA ) on XXXX XXXX, 2011. In the first paragraph of the contract it states that materials and information will be provided by NHBA, I have been given any materials stating anything in the contract. In the contract is also states that NHBA has agreed to additional down payment in excess of the 3 % down payment. I have an email dated XXXX from XXXX XXXX ( Customer Service ) at NHBA stating " The money you paid to NHBA is a fee for our services and nothing more. Part of the services is we negotiate to get all of your closing costs covered

Company:
 etc so you do n't have to. It 's not money sitting in a bank or anything like that so there is nothing you need to list on your paperwork for them. '' It states in the contract the only fee that NHBA will receive is one month 's gross income or {$1500.00}. Its also states

State:
 that if I request NHBA to assist with your credit history ''. I never made that request in written or verbal. My file was assigned to XXXX XXXX

ZIP_code:
 she stated she had run my credit that I was pre approved for {$100000.00}. And just told me what I need to pay off the credit report. I paid and negotiated all my accounts in collections

Submitted_via:
 all NHBA did was sent me letters to sign and I was told to send them to all three credit bureaus. XXXX minute XXXX XXXX tells me that I am ready to purchase and the next minute I have to do something else. XXXX XXXX also stated that I was pre approved with XXXX Mortgage XXXX. XXXX XXXX office is located XXXX as well

Company_response:
 not once have I seen a denied letter from a lender of any type.I spoke with an agent at XXXX Mortgage I was told I could not be assisted on home loan because I lived in XXXX. I was referred to your agency by a loan broker at XXXX bank here XXXX. I have spoken with estates

Timely_response:
 loan officers and brokers who has told me the practices of NHBA are not good and no one that I have mention above wants to work with them

Consumer_disputed:
 they all say it is a scam. I a really feel like I have been taken for my money. I want my refund of XXXX. NHBA stated in the there in advertisement that NHBA would be able to provide a person with a home in 24 months or less


Product: Company chooses not to provide a public response
Subproduct: Altisource Portfolio Solutions, S.à r.l.
Issue: TN
Subissue: 370XX
Company_public_response: Consent provided
Company: Web
State: 07/31/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have since been receiving collection letters from a Nationwide Credit , Inc. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to collect on this debt. I assumed the first XXXX letters, even though they were one day apart in their creation, were so close to the date of the discharge that Nationwide Credit , Inc. had not been notified of the decision by XXXX. When I received the letter dated XX/XX/XXXX, I can only assume that Nationwide Credit is illegally collecting on this debt.


Date_received: 05/07/2015
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Altisource Portfolio Solutions, S.à r.l.
State: NJ
ZIP_code: 088XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2015
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I had XXXX accounts with XXXX XXXX XXXX. XXXX of the account was settled with Nationwide Credit INC ; XXXX XXXX XXXX ; XXXX XXXX, PA XXXX. I use XXXX Banking for all my transaction to XXXX. I received a letter form XXXX dated XXXX/XXXX/15 claiming that they did not receive XXXX XXXX XXXX, 2015 payment. I sent emails showing that payments were made on XXXX/XXXX/15 & cashed on XXXX/XXXX/15 and XXXX before it was due. Instead of XXXX sent the money back, according to XXXX, XXXX ID xt XXXX, the money was sent on XXXX/XXXX/15 & XXXX/XXXX/15 for {$1100.00} each total of {$2200.00} to XXXX. According to XXXX I owed {$4700.00}. I asked why the money was not sent back and why there was no response to my email she had no answer. I had XXXX from XXXX Bank on a XXXX way call. XXXX refused to speak to either of us unless XXXX call back on a line that was not recorded, however, without our permission, XXXX recorded the conversation. XXXX told us she would not talk to us unless she goes thru her speech that XXXX was a debt collection agency.


Subproduct: FTC
Issue: LA
Subissue: 700XX
Company_public_response: Consent provided
Company: Web
State: 03/24/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!


Date_received: 06/21/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
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: Citibank
State: VA
ZIP_code: 222XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had an outstanding home equity loan ( HEL ) with Citibank and was about halfway through the payment cycle. However, in XXXX, I declared bankruptcy and the property that the HEL was held against was foreclosed upon by the private mortgage note holder. Since I have no other property ( real estate or personal ) that could be used as collateral, I requested that Citibank remove the lien from my credit report ; per their XXXX XXXX XXXX letter, I can request that since the property is in a foreclosed status and I have no other assets they can claim. I wrote them on XXXX XXXX, XXXX but have not heard back. I contacted the New York XXXX but CitiMortgage refuses to provide them any information.


Date_received: 07/14/2015
Product: Payday loan
Subproduct: Payday loan
Issue: Can't contact lender
Subissue: Can't contact lender
Company: FTC
State: FL
ZIP_code: 336XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/20/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
they say I have a file for collection with my name on it and they want met to pay threats of serving, arrest, legal action but wont give me any information on how they are calling on behalf of


Product: Company disputes the facts presented in the complaint
Subproduct: FTC
Issue: ME
Subissue: 044XX
Company_public_response: Consent provided
Company: Web
State: 06/11/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This week, the man from Harbor Firm Acquisitions is again calling my cellphone and my work number. He has refused to give me any number other than an XXXX number ( so I can mail or fax a request to cease all communications, except in writing ). I ca n't get a written verification of the debt, to see whether this is something I owe, or is instead part of a debt collection scam.


Date_received: 02/10/2016
Product: Other financial service
Subproduct: Traveler’s/Cashier’s checks
Issue: Lost or stolen check
Company: I am not a deliquent payor
Company_response: they just refuse to speak with me anymore"
Timely_response: Company chooses not to provide a public response
Consumer_disputed: Citibank
Complaint_ID: NY
Consumer_narrative:
I am a former employee with a XXXX loan. When Ileft there was confusion with auto payments for my XXXX loan when I set up the new auto debit to keep payments happening from my personal account since they could not auto debit my paycheck any longer, by the time the payments started I was 2-3 payments behind and was receiving deliquency notices, On XXXX I went to the Citibank XXXX NY branch and obtained a bank check for the deliquency amount p'us the XXXX payment and mailed it to Citigroup Benefits Center following all the directions they provided to me on the notiice as it stated that if I did not pay by XXXX/XXXX/15 the funds would be devited from my XXXX and there would be tax implications, In XXXX I received another deliquency notice-when I called to inquire they stated that the payment of {$2200.00} had not been received, I called them almost daily from XXXX to XXXX and they said they could not locate the payment and was advised to put a stop on the check and have it reissued, I went to the XXXX branch on XXXXXXXXand went through the process to stop the check- signed the affidavit and Indemnity form- but since it was less than 90 days I was told the Citigroup Benefits Center also had to sign it- it was send to them on XXXX electroically by the branch. I called on XXXX and the Benefits Center confirmed they received the form but indicated they would not sign it as they do not sign " third party forms '' -- this is a stop payment form from the bank they are an agent for! I on those funds. I am simply asking they sign the affidavit to stop the check so I can have it reissued back TO THEM and resend the payment for theme to process -- Yesterday XXXX after talking to the 5th supervisor and them opening numerous investigations they told me "" they can not sign the form that they have not received the check

Company_public_response:
 but they clearly stated on the same call that they have not received the check. All calls are recorded by them as requried and can be heard that they refuse to assist in resolving this matter so my {$2200.00} can be applied back to my XXXX loan

State:
 I have over {$400000.00} in my XXXX and I am attemoting to resolve a matter they created last XXXX when they did not set up my auto debits for 2-3 months for the payments to continue. I have no recorse at this point ... they just expect me to be out the {$2200.00} and absolve themselves from any responsibity to address the issue

ZIP_code:
 it was mailed to them- they can not locate it and they refuse to sign a simple form that would allow it to be resisued and applied to my account

Submitted_via:
 This {$2200.00} does not earn interest or benefits of the market increase until applied and as a result I am 1- losing money

Date_sent_to_company:
 2- behind on payments and 3- at risk of taxable income as thr 90 days would be after I can place a stop on it without their signing the form. I need help and have no idea how to solve this


Date_received: 03/24/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: SC
ZIP_code: 291XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Me and my husband obtained XXXX mortgages in XXXX with XXXX XXXX XXXX. We 've never had a problem with them or our payments being automatically withdrawn on time and then 2 years ago we were transferred/sold to NATIONSTAR. We were n't told until after we got information from Nationstar. About two months ago we received our maturity date letter saying that we have over {$8000.00} due on our maturity date for both of our properties in total. We 've never missed a payment at all we received our statements and we pay them and have never been late so we contacted Nationstar and we have been getting the runaround ever since until today. I Escalated until I could n't escalate anymore. After being told month after month that we will get something from the research department about our account because they ca n't seem to figure out why we had such a large payment due on our maturity dates, where it is supposed to be only one payment and then we would be done. All we got from research is the exact same thing we 've gotten before which is a promissory note that we have and been going by since XXXX which is 15 years ago. Then today ( XXXX XXXX, XXXX ) I get yet another supervisor on the phone and he says when a payment is not received on the exact date it is due, there is interest accrued on it daily. Mind you we mail in our payments because we did n't know what Nationstar was and we did n't want to give them our direct information like our routing and account number so we mailed a payment in. And like any other mortgage or homeowner we thought well our payment is not 10 days late its not even 3 days late so once they receive it we will be good to go. We received our statements and they did n't show anything past due or any late fees because we always made our mortgage payments either on the day or at the latest they 'd receive it on the due date and process it 2 days later. Our statements always show the same amount of {$770.00} on XXXX account and {$210.00} on another account so we thought oh we 're good to go we 're almost at our maturity date and we 're close to paying our accounts off! No such thing because they are saying when they received the payment a day or two late it accrues daily and they put that on the unpaid principal which is due on the maturity date. I asked why were n't we told this or why was n't it on the billing statements because IF WE KNEW THIS WAS OCCURRING WE 'D PAY IT SO IT WOULD N'T BE A BALLON AT THE END! WE NEVER SIGNED UP FOR A BALLON PAYMENT! We never had a problem with XXXX XXXX XXXX mind you, all of a sudden after we have Nationstar for two years now it 's a problem and we now owe {$8000.00} in total on both of our accounts so please tell me if this is fair because we never had this problem with XXXX XXXX XXXX we probably would have been owing {$20000.00} by maturity date if this was actually true but no its {$8000.00} because it happened in the last XXXX years when we started with Nationstar. We reached back out to XXXX XXXX XXXX and they said this is incorrect and it should be going by our payment schedule and should be honoring our agreement but Nationstar is n't honoring anything. They just want the money and definitely do n't care about how wrong they are doing us. Out of all the supervisors I 've spoken to and all the research department information this one supervisor comes up with this but no one else could figure out the issue. This is a huge problem.


Date_received: 04/23/2015
Product: Payday loan
Subproduct: Payday loan
Issue: Charged fees or interest I didn't expect
Subissue: Charged fees or interest I didn't expect
State: America’s Financial Choice, Inc.
ZIP_code: IL
Submitted_via: 618XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/08/2015
Complaint_ID: Closed with explanation
Consumer_narrative:
Lender tried to garnish the full original amount of the loan and interest ( {$1000.00} ), not the amount that they even state was owed ( {$660.00} ). They also tried to send a wage assignment to my current employer, not the old employer that they had a " Wage Assignment '' for. When I got the loan they produced a wage assignment for my then employer XXXX XXXX

Company_public_response:
 but when they filed the wage assignment they sent it to my current employer "" XXXX XXXX ''. See attached Wage Assignment. They also tried to send the Wage Assignment even after I had sent a "" Notice of Revocation of Wage Assignment ''."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Altisource Portfolio Solutions, S.à r.l.
Issue: NY
Subissue: 112XX
Company_public_response: Consent provided
Company: Web
State: 03/22/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
After receiving the alleged proof, I attempted many times to contact NCI by phone but was continuously hung up on by their phone system before being able to speak with anyone..


Date_received: 07/06/2015
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: FTC
State: OH
ZIP_code: 444XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/06/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
IM, FIXING MY CREDIT, FROM THE MONTH OF XX/XX/2015, BY MY SELF, WHERE ONLY UNTIL THAT DAY HAD XXXX ACCOUNT IN COLLECTION WHICH PAY THE DAY IN XXXX XXXX THEM RETURN TO CHECK MY CREDIT XX/XX/XXXX, AND FIND AN ACCOUNT IS OLD READY REMOVED FROM MY CREDIT BECAUSE THIS ACCOUNT IT MORE THAN XXXX YEARS OF THE COLLECTION RJM ACQ LLC., OF THIS AMOUNT IS $ XXXX PUT AGAIN IN MY CREDIT AS IS WERE NEW WITH OTHER AGENCY CALLED XXXX XXXX I WOULD LIKE TO KNOW IS LEGAL OR NO. I WANT TO RESOLVE THIS PROBLEM AT SOON IS POSSIBLE THANK YOU I HOPE SOMEONE CAN HELP ME. THANK YOU AGAIN..


Date_received: 03/24/2015
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: FTC
State: CA
ZIP_code: 946XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/24/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
After an emergency room visit, the hospital sent the wrong billing codes to my insurance. This was clarified to the billing department at the hospital and they promised to amend. They never did and sent this as debt to a collection agency. After discussions with my insurance, the insurance decided to pay me directly for the amount and I subsequently sent payment to the collection agency. I then received an invoice from the hospital showing I owed {$0.00}. Two weeks later I get another letter from the collection agency to collect what appears to be the same debt under a different account number.


Date_received: 10/12/2015
Product: Other financial service
Subproduct: Traveler’s/Cashier’s checks
Issue: Lost or stolen check
State: and repeatedly through XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX
Submitted_via: email and fax ). There have been numerous emails
Date_sent_to_company: faxes
Company_response: and letters
Complaint_ID: Yes
Consumer_narrative:
Travelers Checks were bought in XXXX from XXXX and XXXX ( " Bank '' ) and American Express Company ( "" AmEx '' )

Company_public_response:
 relying upon promised reimbursement within XXXX hours of notice of lost/stolen checks. On XXXX/XXXX/XXXX

Company:
 I discovered {$1600.00} in checks were missing. XXXX different claim forms provided by AmEx for lost/stolen checks were submitted as directed on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX

ZIP_code:
 a third set of forms ( Travelers Cheque Refund Reimbursement Agreement and Terms & Conditions-Purchase Agreement ) sent by AmEx was returned ( by certified mail


Product: modified as discussed
Complaint_ID: Yes
Date_received:
I was advised the checks had not been and likely could not be cashed as they are on high alert. AmEx supervisor XXXX ( office in XXXX ) stated in conversation memorialized in my cover letter dated XXXX/XXXX/XXXX that my XXXX claims were satisfactory and would be paid within 15 business days after AmEx received the third set of forms. AmEx received those forms


Date_received: Instead
Product: they engaged in a modus operandi of deliberate continuing
Subproduct: repetitive pattern of unfair
Issue: deceptive
Consumer_narrative: affecting large numbers of buyers of AmEx services ( like Travelers ' Checks
Company_public_response: XXXX
Company: XXXX
State: XXXX
ZIP_code: XXXX or XXXX )
Complaint_ID: Yes
Subissue:
 abusive and discriminatory practices designed to delay and defraud - similar to wide-spread reports in the news media and on the internet


Date_received: On XXXX/XXXX/XXXX I demanded Bank reimburse
Complaint_ID: Yes
Product:
 as promised in XXXX. I provided copies of the attached documents. On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I spoke by phone with Bank Officer XXXX XXXX

Subproduct:
 who reported AmEx agent XXXX told her the problem was that the agreed-upon cross-out deletions on the forms were made with black ink pen and yellow highlighter ( as XXXX requested )


Date_received: This difference
Product: without substantive distinction
Issue: liabilities
Subissue: contracts ; waiving the right to challenge authenticated signatures ; paying all AmEx costs
Company: reciting numerous matters not originally agreed to
Complaint_ID: Yes
Subproduct:
 raised integrity issues re AmEx confirming the intended deletions of : acknowledging failure to comply ; agreeing AmEx could not stop payment on checks ; releasing AmEx from all actions

Consumer_narrative:
 expenses and attorneys fees ; waiving the right to jury trial ; agreeing to jurisdiction and venue in XXXX XXXX County

Company_public_response:
 Utah ; and waiving any claims of lack of jurisdiction and forum non conveniens. The deletions also removed a purchase agreement sought by AmEx 20 years after purchase


Date_received: On XXXX/XXXX/XXXX I spoke with XXXX superior XXXX XXXX
Product: who said that Bank would find someone higher at AmEx in the United States
Subproduct: not XXXX
Issue: nor overseas
Consumer_narrative: who was in
Company_public_response: declined it. I was told by AmEx agent XXXX that she and XXXX worked in the XXXX
State: XXXX and XXXX went unanswered. I have not been reimbursed."
Submitted_via: Amex
Date_sent_to_company: CA
Company_response: 946XX
Timely_response: Older American
Consumer_disputed: Consent provided
Complaint_ID: Web
Subissue:
 and "" escalate. '' On XXXX/XXXX/XXXX XXXX telephoned to say she had contacted XXXX XXXX at AmEx who would call me. I got a message from XXXX and returned the call ; but XXXX

Company:
 subordinate to XXXX in XXXX. Thus there was no escalation ; it all ended up full-circle back on the treadmill with XXXX. My subsequent telephone messages to XXXX


Date_received: 05/15/2015
Product: Debt collection
Subproduct: Mortgage
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Complaint_ID: Yes
Consumer_narrative:
Nationwide Credit , Inc. ( " NCI '' ) frequently contacts me more than once per day and more than federal laws allow. At times

Company_public_response:
 the telephone calls take place up to XXXX times in a single XXXX hour period. See attached copy of the XXXX XXXX


Product: 2015
Issue: I never received anything from NCI. For this reason
Subissue: I have no contacts
Consumer_narrative: monthly statements
Company_public_response: receipts or additional correspondence to submit."
Company: Company believes it acted appropriately as authorized by contract or law
State: Altisource Portfolio Solutions, S.à r.l.
ZIP_code: MA
Submitted_via: 023XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/15/2015
Complaint_ID: Closed with non-monetary relief
Date_received:
NCI also violates federal law by failing to provide me with the information to which I am legally entitled. On XXXX XXXX

Subproduct:
 I verbally communicated a request to receive both a verification of my debt and a current statement of my account to a collection agent known to me only as "" XXXX. '' Although this person told me that I can expect to receive the requested information and that it would come from a Pennsylvania address


Date_received: 04/15/2015
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: FTC
State: CA
ZIP_code: 937XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2015
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I HAVE RECEIVED PHONE CALLS AT MY PLACE OF EMPLOYMENT AND THE NUMBER HAS LEFT GENERATED VOICEMAIL MESSAGES STATING THEY HAVE ATTEMPTED TO REACH ME XXXX TIMES..IF I WOULD LIKE TO RESOLVE THIS ISSUE PLEASE CALL XXXX


Subproduct: FTC
Issue: AZ
Subissue: 853XX
Company_public_response: Consent provided
Company: Web
State: 11/18/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
The original letter sent to give them permission to pull the money from the account and to agree to their fees is attached. This form was never signed or sent back to J.R Brothers."


Date_received: 05/01/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: I.C. System, Inc.
State: OH
ZIP_code: 432XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I C SYSTEMS COLLECTIONS # XXXXI have a a unverified account from I C SYSTEMS COLLECTIONS. I had previously disputed this account. I have never done business withI C SYSTEMS COLLECTIONS Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt I request that I C SYSTEMS COLLECTIONS Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C SYSTEMS COLLECTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX


Date_received: 01/19/2016
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: Simon’s Agency, Inc
State: NY
ZIP_code: 134XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 01/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I owe this agency in several accounts. I called to pay off all but XXXX account. Later I found they placed all the money into XXXX account. Upon calling the agency back was told that they have the right to place the money on any account that they wanted. Was then hung up on. Returned call to them staying the law and that I could pay off the debts of my chosing. Was told I did not specify. So I lied and said I had it on recording. Then they stated oh I see that you did. Claim to be in the process of fixing.


Date_received: 06/05/2015
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: FTC
State: KY
ZIP_code: 405XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/05/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Concord resolution has been harassing my phone, employers phone and other members of my family claiming that I took out an online payday loan over four years ago ( 2011 ). they are claiming that I owe the amount of XXXX XXXX and XXXX XXXX dollars. I asked for more information and received a brief letter stating the same information in which I was told over the phone.there are no details as to the date of the loan, the original amount and if and when any payments where made.i do not recall ever taking out a loan and after looking up this company each story is similar to mine saying this is a scam.please help to get this issue resolved.


Date_received: 07/09/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: FTC
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/15/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
Concord Resolutions claims I owe on a payday loan from 2012. I never in my life took out a payday loan and they are calling my cell, which I blocked and signed up for the do not call registry. Also, now they are contacting place of business. They do not stop, and somehow know my last XXXX of my SS #, my address, the last XXXX of my old bank account #, and went as far as saying my sisters name. They have never sent me anything in the mail regarding a debt even when I asked them to. I also told them to email me, which they have my email address somehow as well, but have never emailed me a thing.


Date_received: 07/06/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: which is internal and unlisted
State: calling as many as XXXX times per day
Date_sent_to_company: threatening collection tactics."
Timely_response: FTC
Consumer_disputed: FL
Complaint_ID: 327XX
Consumer_narrative:
I applied for and received a {$500.00} payday loan in XX/XX/XXXX. Although it was for {$500.00}, payment was received from XXXX different lenders for {$250.00} each. Payments were combined into XXXX loan by the lenders and paid in full in XX/XX/XXXX. I started receiving automated phone calls from XXXX stating that I needed to call regarding an important matter in XX/XX/XXXX. I called and spoke to a gentleman at Concord Resolution who claimed that the debt was not paid and that I now owed over {$800.00}, but that he would " cut me a deal and accept {$640.00}. '' I informed him those loans were paid years ago and to stop calling me. He said they would continue calling until I paid them and that if not

Company_public_response:
 they would garnish my wages and sue me. I told him to go ahead and get his lawyers and I 'll get mine - his final words were "" see you in court. "" I did not hear from them for several months after this incident until last week. The same recorded calls are now being made to my cell phone XXXX times per day and to my WORK phone number

ZIP_code:
 even XXXX times in the same minute. I have no idea how they got this number. This is harassment and is absolutely unacceptable. I do not owe any money to these people and if I did

Submitted_via:
 why would it not be reported on my credit? These calls need to stop and someone needs to address their aggressive


Date_received: 10/27/2015
Product: Mortgage
Subproduct: Other mortgage
Issue: Settlement process and costs
Company_public_response: Company disputes the facts presented in the complaint
Company: National Home Buyer’s Alliance
State: TX
ZIP_code: 752XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 11/09/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
NHBA took XXXX from me, promised to clean credit, get in a first home buying situation. NHBA have had # K of my hard earned money without anything in return for my money. I received a FHA approval letter up to!! ) K and Conventional up to XXXX but No one in the city where I reside can do anything I must work with a staff person in another state inconvienously so. She has requested many documents every years. I send them she. Half heartedly sent some credit items to pay off then made a thin excuse for not sending anymore. This transaction happened in XX/XX/XXXX .I am soon to turn XXXX in XX/XX/XXXX without a home as of yet. I guess she thought I would go away or die by now but I 'm yet alive and yet working to hold my income higher by yet in the full time employment stag of life.


Date_received: 06/13/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company_public_response: Company disputes the facts presented in the complaint
Company: National Credit Systems,Inc.
State: AZ
ZIP_code: 853XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been in contact with this debt collection since day 1 trying to come up with settlement. They have my address and phone number to reach me any time. They garnished my wages a year ago, and I was told I was good with them and the apartment complex from now on. However, the debt collection company called me after I was sent a letter saying my account was settled asking for more money. Then, when I told them that was incorrect and I would not pay, they called my employer. I had made it clear to them that they could not contact my employer before, and I have always made sure they have my contact information. So not only are they asking me for debt that was settled, but they 're also still reporting to the credit agencies that my account is n't settled, and they have attempted calling my employer.


Date_received: 05/07/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company_public_response: where they are
Company: what number they are calling from
State: etc. ( they call from hidden numbers ) what the debt is
ZIP_code: etc. All they will say is they are looking for my Sister
Submitted_via: concerning a pay day loan debt. They threaten legal action against us if we do not cooperate
Date_sent_to_company: tell us a deputy is on his way to pick us up
Complaint_ID: FTC
Consumer_narrative:
For four ( 4 ) years my family and I have been receiving harassing and threatening phone calls from a debt collector who has gone by the name of " XXXX ' or "" Concord Resolutions ''. If we speak to them they refuse to give us info. on who they are

Company_response:
 etc. They are calling all of my immediate family and now are starting to call in laws! They have left messages to call # XXXX and speak to a XXXX XXXX but a woman has called also

Timely_response:
 refusing to identify herself. They call all day long on all of our numbers. And it 's not limited to the adults. They are calling the teenagers / children 's cell phone numbers as well. We have no idea how they are getting these phone numbers. Once you speak to them and start asking questions or advise them to stop they seem to "" ramp '' up the harassment. Like it is a game to them."


Date_received: 05/16/2015
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: I will have my wages garnished
Complaint_ID: Yes
Consumer_narrative:
I have recieived many ( about XXXX in the last two months..sometimes from a listed phone number, sometimes from a non listed number ) threatning phone calls from " Concord Resolution Debt collection Agency '' In Attempt to collect a debt I do not owe. I have been treatened that I will be arrested


Date_received: 05/26/2015
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: Altisource Portfolio Solutions, S.à r.l.
State: OR
ZIP_code: 972XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/29/2015
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I am in a short sale. XXXX is the XXXX, and XXXX is the XXXX, being serviced by NCI ( Nationwide Credit ). XXXX is allowing a payout of 10 % of the purchase price to the XXXX, and not only is NCI demanding 20 %, they are saying that the value as determined by XXXX is too low and they are trying to make my agent COUNTER the XXXX back to RAISE the offer price. Why are they doing this? My agent is stuck and now tells me I will go to foreclosure because the XXXX wo n't follow any of the standards of practice with short sales. The payoff to the XXXX has NOTHING to do with the value of the property, and my agent has escalated this directly to XXXX and asked that they oversee what 's going on at NCI. They say they can not.


Date_received: 05/08/2015
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: FTC
State: MO
ZIP_code: 633XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
I owed XXXX XXXX XXXX for a checking acct. RJM acquisitions XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ; XXXX purchase the debt and offered a reduced payback. I have been paying them for over 2 years and have a current settlement balance of {$340.00}. Recently another Debt collection Agency reported to my credit report that I owed them {$700.00} for XXXX XXXX XXXX with no acct # attached. When I tried to make my current payment as usually to RJM the website is no longer accessible. XXXX XXXX is the collection that attached a claim to my credit but In have n't received any info from them and they reported I made a payment to them in XX/XX/XXXX for the same I paid to RJM in XX/XX/XXXX. I have paid 1/2 my debt settlement to RJM. I disputed the complaint with XXXX and only received a response that they updated my account but when I reviewed XXXX XXXX was still there. I do n't have a problem paying the debt but I do n't think another debt collector should be trying to collect on a debt I 'm already paying with no contact and the amount they are charging is double of the balance left owed to RJM because I have been making the payments.


Product: XXXX is refusing to research the issue."
Subproduct: Company believes it acted appropriately as authorized by contract or law
Issue: Simon’s Agency, Inc
Subissue: OH
Consumer_narrative: 453XX
Company: Consent provided
State: Web
ZIP_code: 06/04/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
Also found from XXXX " Collection activities are not permitted and are illegal against individuals who are eligible for Medicaid at the time of their health care service. Any debt collection practices need to stop. '' I was covered by Medicaid at the time. For some reason


Date_received: 07/11/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: name
Complaint_ID: Yes
Consumer_narrative:
I received numerous voicemails from " Concord Resolution '' in XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX at Concord Resolution who informed me that I owed a {$300.00} payday loan from XX/XX/XXXX. They had most of my personal information including last XXXX of social


Subproduct: FTC
Issue: DC
Subissue: 200XX
Company_public_response: Consent provided
Company: Web
State: 07/17/2015
ZIP_code: Untimely response
Submitted_via: No
Complaint_ID: Yes
Date_received:
I have never received a payday loan from any company. I reviewed my bank records and all other information and this debt is not mine. This is a fraudulent attempt by Concord Resolution or "" XXXX '' to steal money from unknowing consumers."


Date_received: 06/08/2015
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: Altisource Portfolio Solutions, S.à r.l.
State: IL
ZIP_code: 604XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/08/2015
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I started receiving emails in XXXX of 2015 from XXXX regarding update of credit card associated with an account for which I had made a purchase. I had been reviewing my checking account and noticed that the funds were being taken out so I disregarded the emails for those couple months. My balance had been pain off ; However, I was still receiving these emails. I followed up with XXXX and was notified that there was an additional account in my name and address for merchandise that I had not purchased. I notified the rep that this was not a purchase made by me, and she agreed that the card and name on the card used did not match my account name, although it did not match my address. I later received notice from a collection agency regarding this matter. I followed up with the collection agency and let him know that this was not a purchase made by me. They notified me that the only thing they can do is receive payment on the debt that is in my name, they can not change any names or transfer debt.


Date_received: 05/28/2016
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: Simon’s Agency, Inc
State: OH
ZIP_code: 453XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They are calling every day always from a different number for XXXX XXXX XXXX AND XXXX. They never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now XX/XX/XXXX. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on XX/XX/XXXX has been removed because of this divorce. Previously in a complaint, Simon 's responded saying medicaid could not verify because the dates of service were more than 4 years out. NYS medicaid listed my college insurance as being my primary at the time, they paid out the maximum for XX/XX/XXXX, and I was not enrolled in XX/XX/XXXX. I was however covered by medicaid. The coordination of benefits is something I am not responsible for, CALL MEDICAID THE DATE OF SERVICE WAS XX/XX/XXXX it is not more than 4 years old.


Date_received: 12/23/2015
Product: Debt collection
Subproduct: Mortgage
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Complaint_ID: Yes
Consumer_narrative:
These XXXX party debt collectors/interlopers and Altisource are attempting to steal my property even though this " debt '' was lawfully discharged in a Chapter XXXX in XXXX. I listed the debt as unsecured/disputed which was never challenged by these XXXX party debt collectors. The new "" bank '' that is now saying that they have standing to do this did not try and lift the stay


Complaint_ID: Yes
Date_received:
The bankruptcy was lawfully discharged and listed this new bank as being fully discharged. These interlopers did not prove that they are the holder in due course

Product:
 nor did they have anything filed such as an assignment in the court records in XXXX XXXX XXXX until XXXX. They filed that assignment within days after I filed a Quiet Title action against them in XXXX XXXX XXXX


Subproduct: the last one was sent as a Notice of Demand For Possession. In this UNSIGNED threat letter
Complaint_ID: Yes
Date_received:
I have asked NUMEROUS times for the full account loan data from the original lender in numerous QWR 's and other correspondence

Product:
 they have refused to provide this information because they do n't have it. I have received numerous threats


Date_received: Again
Issue: Company chooses not to provide a public response
Subissue: Altisource Portfolio Solutions, S.à r.l.
Consumer_narrative: VA
Company_public_response: 201XX
State: Consent provided
ZIP_code: Web
Submitted_via: 12/30/2015
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Product:
 I have asked time and time again for account loan data from original lender and the debt collector refused yet they are continuing to threaten to steal my property. They have also enlisted this company Altisource that has been on my property causing further injury to me and my family. Altisource has called me numerous times and has called relatives and discussed with them our private business

Subproduct:
 these relatives were as far away as Florida. This is harassment and needs to CEASE AND DESIST until these debt collectors/interlopers can prove they have the authority to foreclose on a unsecured/disputed debt that has been lawfully discharged in Chapter XXXX without any proof of claim otherwise filed."


Date_received: 06/08/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Altisource Portfolio Solutions, S.à r.l.
State: IN
ZIP_code: 468XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
IGNORED CEASE AND DESIST AND DO NOT CALL AND CALLING HOME, WORK, CELL AND SKIP TRACING WUTH INVANSION OF PRIVACY INFRACTIONS IN VIOLATION OF FCRA NON VALIDATION OF DEBT.


Complaint_ID: Yes
Date_received:
Upon arriving home, we discovered that someone had drilled a hole into our existing door handle to " shatter '' the lock. They left our door knob lying on our porch. They placed a different door knob on our door and actually placed it on backwards to where the turn lock was facing outward and the keyhole lock was facing inward


Complaint_ID: Yes
Date_received:
My husband called the number on the notice left by Altisource ( XXXX option XXXX ) and was advised that XXXX had contracted them to break into our home as it was a vacant property. When my husband told them that the property was certainly not vacant


Product: or even someone outside of that company ( if the keys have changed hands )
Complaint_ID: Yes
Date_received:
I would like to call attention to the fact that our door knob to which we have keys was destroyed by the company contracted to break into our home and we were left with a door knob to which we do not have keys for and we have no idea of who may possibly have the keys. Please understand the serious concerns we are experiencing with the knowledge that someone from that company


Subproduct: Company chooses not to provide a public response
Issue: Altisource Portfolio Solutions, S.à r.l.
Subissue: NM
Consumer_narrative: 871XX
Company: Consent provided
State: Web
ZIP_code: 09/24/2015
Submitted_via: Closed with monetary relief
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
There are many serious concerns resulting from the action XXXX and Altisource has taken that I will list even if some are reiterations from above. 1 ) We have received no legal notifications that gives the right to enter into our home 2 ) Despite # 1

Product:
 the contracted company did enter into our home 3 ) Our children were put at risk by the company 's decision to have someone enter into our home which resulted in an unsecure door 4 ) I had to leave work early to rush home due to our home being broken into 5 ) The company walked through our home looking at our personal belongings and property 6 ) We were left with a door lock that we do not have keys to 7 ) We have no way of knowing who has keys to this unauthorized changed lock 8 ) We have been left with the expense of replacing the lock 9 ) How can we be assured of the legitimacy of this contracted company and how are we to feel confident that they may not return at a later date to burglarize our home? 10 ) How are we to know that XXXX will not contract with a company in the future to break into our home? 11 ) There were no efforts made to address or resolve our concerns by either company."


Date_received: 05/07/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently received a copy of my credit report so that I could begin the process of credit rebuilding and I saw this debt collection on my report. Although I am not disputing that I did owe the original creditor money, I did not owe the amount that was being reported by this collection agency. Also I noticed that the date they are reporting this date is off by almost 5 years. They are reporting it as if it is new and it is not. I called the number listed on my credit report and asked for verification of the debt. The person I spoke with refused to acknowledge that asking for verification of the original debt was a legitimate request. I was told that I needed to give them my information, such as social security and date of birth along with a current address and phone number in order for them to verify the debt. When I refused to give that information I was told that I would have my income tax garnished for refusal to pay. At that point I ended the call.


Date_received: 07/21/2015
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
State: FTC
ZIP_code: IL
Submitted_via: 605XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 07/27/2015
Complaint_ID: Untimely response
Consumer_narrative:
An automated caller keeps calling my cell phone and my work number saying I must call back today about " sealed documents. '' When I called back today

Company_public_response:
 XXXX XXXX said he was from Concord Resolution and said I needed to speak about "" sealed documents. '' He would n't give me information in regards to what the debt was nor would he send me the proper paperwork about this so-called debt. He also said there were XXXX numbers on file for me!!!!!"


Date_received: 06/10/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company_public_response: Company disputes the facts presented in the complaint
Company: Camelot Financial Services, Inc.
State: OK
ZIP_code: 731XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
this company called and left private personal messages on my voicemail and also my friends and family. Now today I have been served papers for small claims court. I already filed a complaint and they stated that account was charged off. I want this to be taken care of so that I do not have t pay anything. They violated the FDCPA law by the messages they left.


Date_received: 06/25/2015
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: FTC
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/30/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
I keep getting the same calls saying I owe XXXX different debt, when I ask for information on them they wo n't give me any infor unless I give verify my social security number. I tell them I wo n't but just give me the name of the debt I owe & they say unless I give them my SS # they ca n't release that information. I then asked for the name, address & Company info & they refused to give it to me. The company name that comes up is Concord Resolutions. They tried this a while back but I told them I was going to report them & they quit now here they go again.


Subproduct: FTC
Issue: IL
Subissue: 617XX
Company_public_response: Consent provided
Company: Web
State: 04/07/2015
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: No
Complaint_ID: No
Date_received:
Here is the text of all messages : Female Voice : " Today an order of validation : notice of demand was issued on & lt ; apparent account number & gt ; ( computer voice ) to be sent to & lt ; name similar to my name & gt ; ( computer voice ) in the next 24-48 hours. The opportunity to resolve on your own terms will expire upon receipt. Please call immediately at XXXX. Male Voice : '' Action message documented ''"


Subproduct: FTC
Issue: AK
Subissue: 995XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/01/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: No
Date_received:
As of today 's date I have not been able to contact RJMXXXX or any of their representative that have inherited their active accounts since I have been informed that RJMXXXX is no longer handling my account and every number that I call is either not in service or the representative or their supervisor can not do anything about my request since they do n't have my account since has been closed


Date_received: 05/07/2016
Product: Credit card
Issue: Balance transfer fee
Company: Discover
State: OK
ZIP_code: 740XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Discover credit card had send me several offer saving that there is no fee for transfer balancing. Once I applied for credit card and did my first balance transfer that was not the case and I was charged with the balance transfer fee.


Date_received: 05/07/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: TX
ZIP_code: 774XX
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 repeatedly disputed issues with my credit bureau report and have had a Fraud Alert placed on my credit as well, i.e inquiries, credit accounts, broken lease, name changes, address changes, accounts that were deleted and placed back on my credit, as well as the statue of limitations exceeded on several accounts. This is ruining my life. I have submitted numerous disputes to all XXXX agencies and my credit now is ruined. I am aware of things that should have been on my credit, i.e one property that I moved out of in my last month due to my health, but how could I have lived there and lived at another residence as well. I have submitted information to the credit reporting agencies numerous times. I am unsure what to do at this point. I have been disputing this for some time.


Date_received: 06/21/2016
Product: Credit card
Issue: Credit determination
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: TX
ZIP_code: 786XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Lowe 's pulled my credit when I asked if I could have time to pay. Said there was NO hard pull and stated it would NOT show on my credit.


Subproduct: FTC
Issue: PA
Subissue: 191XX
Company_public_response: Consent provided
Company: Web
State: 04/30/2015
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Thank You in advance for letting me state my concerns. I want to help protect others from scams like this.


Date_received: 07/22/2015
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: FTC
State: GA
ZIP_code: 302XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/22/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
Allied Financial contacted me in an attempt to collect a debt from a neighbor. On XXXX/XXXX/2015 a representative called my home and cell phone. The rep asked for me by name and advised me that I lived in close proximity to someone named XXXX. He then asked if I had seen or spoke to XXXX lately. I advised the rep that I did not know a XXXX and asked how he had obtained my information. He stated that it was public information and that he was well within his right to contact me about my neighbors debt. I advised him to not call my home or cell phone again in an attempt to collect a debt that I did n't owe and from a neighbor that I did not know.


Date_received: 04/01/2015
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 believes it acted appropriately as authorized by contract or law
Company: Altisource Portfolio Solutions, S.à r.l.
State: NY
ZIP_code: 117XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/01/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The collection agency has contacted my father regarding my debt. It appears they discussed more than just my location with my father. I never gave them authorization to communicate with my father.


Date_received: 06/16/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: despite the fact I am working with the company to repay a personal payday loan."
State: Company chooses not to provide a public response
ZIP_code: FTC
Submitted_via: OH
Date_sent_to_company: 441XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 06/16/2015
Consumer_narrative:
Alliance debt collection contacted family members indicating an " emergency '' involving my whereabouts

Company_public_response:
 frightened my family after leaving XXXX ( XXXX ) message on my cell phone within XXXX minutes. The voice message left on my phone threatened to take legal action against me


Date_received: 06/10/2015
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: FTC
State: MT
ZIP_code: 598XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/18/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been receiving multiple calls from several numbers claiming to be from Concord Resolutions. They say they will not give me any information until I verify my SSN with them. I asked for the debt information and their address. They told me New York State and then when I asked again that they were in XXXX but refused to give any further information. When I requested that I get validation of the debt prior to speaking with them further he hung up on me. Calls from XXXX. I know what debts I owe and this is not a valid debt.


Date_received: 06/24/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: FTC
State: LA
ZIP_code: 704XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/26/2015
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I received a voicemail from XXXX, but was only able to discern that they wanted me to call them back as the majority of the message was cut off. I returned the call and spoke with XXXX XXXX. He claimed to be with a company called Concord Resolutions, and stated that I owe a balance of {$590.00} to a company called XXXX XXXX. Knowing that this was a fraudulent debt collector, I immediately attempted to get as much contact information as I could. Prior to ending the call, the representative asked if I was willing to settle the matter voluntarily or not. I told him no, that I was filing a report with the CFPB, and ended the call.


Date_received: 06/21/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: lied
State: gave false information to some companies
ZIP_code: in XXXX XXXX when all of the issues were stressed that were unresolved
Submitted_via: USAA promised to take care of them
Timely_response: our careers
Consumer_disputed: to do all paperwork
Complaint_ID: get statements from witnesses
Consumer_narrative:
It 's baffling how USAA and all departments have gotten away with horrible service and avoided major issues, as well as closing accounts that we proved where identity theft, including credit card you put in collections when it was identity theft. How many times have we approached you and you given blanket responses " COMPANY FEELS ACTED IN BEST INTEREST '' that is not a resolution closing bank accounts

Company_public_response:
 shoving credit cards in collections when we gave XXXX police reports and then some in XX/XX/XXXX and beyond. There are so many issues USAA not taken care of

Date_sent_to_company:
 CEO XXXX XXXX called three times from XXXX XXXX to XXXX XXXX leaving same message USAA was gon na get to the issues

Company_response:
 but then in XX/XX/XXXX all was told to us was USAA XXXX said that did not want to pay us anything at that time. Is that even legal? Every time we took time off work


Date_received: 08/25/2015
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: FTC
State: AZ
ZIP_code: 850XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 09/24/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I called JR BROTHERS FINANCE spoke to XXXX to ask what a charge a my credit report for {$130.00} was but all she can do is say it was mine and insult me. She asked me if that 's what I do for a living and hung up on me. All I want to know is that the charge is!


Date_received: 05/18/2015
Product: Payday loan
Subproduct: Payday loan
Issue: Payment to acct not credited
Subissue: Payment to acct not credited
Company: Scott’s Jewelry & Pawn Inc.
State: AL
ZIP_code: 352XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/15/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a payday loan with Check Exchange for $XXXX.. I retained the services XXXX and they act as the middle man for sending payments to payday lenders or creditors on your behalf.. Check exchange recieved XXXX payment of $XXXX which would be per month until debt is paid in full for XXXX months..check exchange cashed the check but turned around and said that they want $XXXX per month for XXXX months that would put me in a financial strain I cannot afford right now..I t is not like I am not trying to pay them back what I owe, it may be in a smaill amount, but something is better than nothing at all and they did cash what was sent to them.


Date_received: 04/20/2015
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: FTC
State: OK
ZIP_code: 740XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/24/2015
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
Placing a order of validation. Call back withdrawal XXXX hr. Repetitive messages. Without saying who or what the derby is for. When you call back no answer or advise to leave a news. Sounded fishy so hung up!


Date_received: 12/15/2015
Product: Other financial service
Subproduct: Traveler’s/Cashier’s checks
Issue: Fraud or scam
Complaint_ID: Yes
Consumer_narrative:
After applying for a job online, I received a cashier 's check on XXXX XXXX, 2015, for the amount of {$1900.00} with an offer via text for a job position as a XXXX. The stated reason this check was sent to me was to cover errands and complete some tasks as his personal assistant. Before cashing the check, me and my husband were suspicious, so we went to Navy Federal Credit Union to verify the check was real. I was helped by one of their representatives whom I asked " when the check would be clear '' the representative responded "" Within a day. You should have it by tomorrow. '' They assured me the check would be cleared by the next day


Date_received: Based on these assurances from Navy Federal
Subproduct: TX. A week later
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Navy FCU
State: CA
ZIP_code: 922XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 12/18/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Product:
 I followed further instructions from my supposed new employer to send XXXX wire transfers for {$800.00} and {$900.00} to XXXX

Issue:
 Navy Federal removed the {$1900.00} and said that it actually takes up to 30 days for a check to clear. The check in fact did not clear after the funds had already been made available

Subissue:
 and now my account is delinquent {$900.00}. Thankfully {$800.00} was held by XXXX XXXX and was able to be recovered. The manager repeatedly apologized saying they need to increase training of their staff to avoid this sort of "" miscommunication. '' I hold Navy Federal as an accomplice to crediting a fake check under their stated position while still pursuing me for an illegitimate debt where the funds were and then were not available under my name. I have filed police reports and saved all documentation of the fraud committed upon me. Regardless

Consumer_narrative:
 none of this would have happened had Navy Federal not misinformed me as to the status of the initial cashier 's check."


Date_received: 08/04/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: FTC
State: NJ
ZIP_code: 080XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 08/06/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
I had a ROBO call from XXXX stating i was a person of interest. When I called the Company he Indicated he was from XXXX XXXX XXXX a debt collection company. Company Rep asked for my personal information I refused and stated that if this is a collection company simply mail me a VALIDATION OF DEBT, Company Rep refused and hung up.


Date_received: 06/22/2016
Product: Debt collection
Subproduct: Payday loan
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: Midwest Recovery Systems
State: TX
ZIP_code: 758XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
recieved call on XXXX/XXXX/16 from MIDWEST RECOVERY SYSTEMS telling me that the local district attorney office had a warrant for my arrest and would be arrested and sent to jail today for a pay day loan check that is 11 years old.of course no one came and was only a scare tactic. the DA told me they dont take payday loan cases by texas law.


Date_received: 06/20/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CO
ZIP_code: 816XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have had a Citibank credit card for 20 years and my credit history is perfect with a rating of over XXXX. Much to my surprise, my account was cancelled due to inactivity but I had no warning. I can reinstate, but have to go through the same process as a new card. I 'm VERY concerned about how an account closure will affect my credit as my husband and I are looking at real estate and I had a credit limit on this card at {$22000.00}. I understand they were n't making enough money from me, but how can they do this without advising the customer? What about my exceptional credit rating?


Subproduct: Simon’s Agency, Inc
Issue: NY
Subissue: 140XX
Company_public_response: Consent provided
Company: Web
State: 05/28/2015
ZIP_code: Closed
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I contacted the company once I found it on my credit report and asked for validation of debt. " XXXX '' told me that their company did not usually send out letters or anything in the mail and that is was my responsibility to verify it myself."


Date_received: 05/21/2015
Product: Other financial service
Subproduct: Traveler’s/Cashier’s checks
Issue: Unexpected/Other fees
Company: First Data Corporation
State: WA
ZIP_code: 982XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/27/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was pointed towards XXXX XXXX by my Bank XXXX to get a credit card terminal for my small business. A representative from XXXX XXXX, named XXXX, got in contact with me and I asked her about all the costs and fees associated with the terminal, she told me there would only be a monthly payment of {$25.00} and two percentages that would be charged with each transaction ( one percentage is for tickets under {$500.00} while the other is for tickets over {$500.00} ). I asked repeatedly to make sure there was nothing else, now I get a bill saying monthly payments are higher than I was told and other charges that are undisclosed with no explanation anywhere on the bill for. I 'm also being told, after paperwork is done, that there is also mandatory insurance I must pay monthly on the terminal, I was not informed of this when I asked about the costs and fees. Not only that, but merchant services has now charged my bank account repeatedly in the XXXX week of XXXX resulting in overdraft fees that amount to {$160.00}. They charged me XXXX times on one day, XXXX XXXX, resulting in nearly {$100.00} in bank fees in just XXXX day. I was not informed when I was signing a contract, I was told it was just a paper confirming the information I had previously submitted about my bank account and business ID, and I was rushed through signing it over the phone. I was told I needed to sign the paper to get to the next step, the customer rep helping me was not honest and did not inform me of what the paper really was. After she had me sign it she hung up and I was left very confused. She also did not inform me that the lease term would be for XXXX months. She did not mention anything about a lease. I am very upset. They want to charge me over {$1000.00} to cancel the lease which was agreed to by manipulation by their customer service. This is not right, my small business was taken advantage of, I was taken advantage of. Please help me resolve this.


Date_received: 05/27/2015
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: FTC
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/01/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have received no less than XXXX calls since XXXX XXXX from this company stating there is a matter they need to discuss with me. I have contacted an attorney as they recommended and they gave her no information as well. I would like this harrassment to stop.


Product: Company believes complaint represents an opportunity for improvement to better serve consumers
Subproduct: FTC
Issue: CA
Subissue: 945XX
Company_public_response: Consent provided
Company: Web
State: 08/14/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I believe XXXX XXXX and Harbor Front Acquisitions, LLC violated the FDCPA in several ways:1 ) They contacted a third party and falsely told them that I have accusations from the state against me2 ) XXXX XXXX knowingly misrepresented himself as a state representative3 ) XXXX XXXX threatened me with a lawsuit and/or criminal charges


Date_received: 05/07/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Company: Equifax
State: MI
ZIP_code: 481XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
filed chapter XX/XX/2014 credit first /firestone part of chapterXXXX creditor served still falsely showing open and 109 percent over limit. contacting Equifax twice to dispute it and Equifax failed to answer dispute or correct the errors doing damage to mine and my wife 's credit report which they added to my wife 's report almost a year later after the XX/XX/2014 chapter XXXX filing it seems obviously XXXX is intent on deliberately damaging our credit reports and Equifax is not working to resolve the matter I ask that they be made to remove this entry from both our credit reports if they can not be trusted to do the right thing


Complaint_ID: Yes
Date_received:
They are very rude and threaten to pursue lawsuits for a supposed payday loan which I 've never made


Date_received: 02/29/2016
Product: Debt collection
Subproduct: Credit card
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: Altisource Portfolio Solutions, S.à r.l.
State: KY
ZIP_code: 409XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 02/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have called Nationwide Credit , Inc. to get a physical address to send a cease and desist notice and validation notice. This company refused to give me the address, preventing me from sending a certified mailing to insure receipt of my letter.


Date_received: 04/09/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: which I received yesterday via email. The original creditor listed in XXXX XXXX
Submitted_via: FTC
Date_sent_to_company: CA
Company_response: 958XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
I received a threatening phone message from Concord Resolutions XXXX asking me to contact them regarding a " sealed matter '' or I would face legal action. When I contacted them they had the last XXXX digits of my social security number and an address that I lived at many years ago. They told me that I owed money for a Payday loan taken out online in XXXX. They were vague about the dates and the original creditor. They had the last XXXX digits of my bank account listed as XXXX

Company_public_response:
 which is not my bank account and was not my bank account in XXXX or XXXX. I do not think that I ever had a bank account with those numbers. They agreed to stop contacting me until they sent verification of the debt

State:
 a company with no contact information or online presence. I am not sure if this is a debt collection scam or a legitimate debt collector collecting on a fraudulent debt."


Subproduct: FTC
Issue: TX
Subissue: 770XX
Company_public_response: Consent provided
Company: Web
State: 05/22/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I am attaching six ( 6 ) voicemails I received within 2 weeks. All six recordings include my first and last name to identify me, yet 4 of 6 calls do not identify the company leaving the message.


Date_received: 05/23/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Taking out the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Ally Financial Inc.
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
At the termination of my lease, when I return the car to the dealer later I received the letter for ally financial charging Excess wear for the tire. I do n't agree to pay for this because I return the car XXXX Cadillac SRX with XXXX miles and total mileage allowed is XXXX.so when I return the car the tire has in good condition and normal wear for the mile it has, not excessive wear like they said.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: CA
Subissue: 940XX
Company_public_response: Consent provided
Company: Web
State: 06/22/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
On speaking to Citi bank they asked that I forward them the documentation from the book keeping company to validate what had happened and they 'd then remove the late payment from my credit repor. I forwarded not only the letter from the book keeping company but also sent Citi my XXXX XXXX account statements which showed balances between {$130000.00} and {$88000.00} at the time the payment was missed and when the payment made bounced. However in spite of this Citi simple responded back by stating this was not their problem and they wo n't be removing the late payment.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: PHH Mortgage
Issue: NH
Subissue: 030XX
Company_public_response: Consent provided
Company: Web
State: 06/08/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I explained to your PHH numerous times that the first payment was already paid to the original mortgage company and that the second was not due for another 15 days. I still received 2-4 collection calls every day. On XXXX/XXXX/16 my bank, XXXX, sent payment for the payment due XXXX/XXXX/16 to PHH and it has been confirmed as received. I still receive 2-4 collection calls each day demanding I immediately make two additional payments.


Date_received: 06/21/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been trying to get a short sale for over a year from Wells Fargo NA. I submitted several short sale offers but they got rejected because the bank stated that I had a surplus but they never included my partial claim from HUD that totaled XXXX when reviewing my account. I also received letters that stated I did n't meet the terms of the Approval to Participate, but I never received any letters regarding this. I finally was able to speak to someone that could answer my question of why was n't my partial claim being included in my payoff statement. He admitted that the partial claim from HUD was not included in the payoff statements mailed out to me or when reviewed for a short sale. Due to this major oversight by the bank I am now in active foreclosure and have a declining credit score.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Medical
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Simon’s Agency, Inc
State: OH
ZIP_code: 453XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Simons agency has also called numerous times to collect I assume from XXXX. I will upload the same documents showing I was divorced from a previous wife XXXX XXXX XXXX in XX/XX/XXXX ( Remarried in XX/XX/XXXX to XXXX XXXX XXXX along with medicaid id etc. My medicaid should have paid this.


Date_received: 05/01/2015
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL
ZIP_code: 342XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Nationwide Credit INC. called to say if i paid of my debt within a certain time frame that XXXX XXXX would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my XXXX XXXX account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.


Date_received: 07/29/2015
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Shopping for a loan or lease
Company: FTC
State: SC
ZIP_code: 295XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 08/05/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
I did not give permissable authorization for XXXX XXXX to request or view my credit report for a vehicle loan nor did I need financing from any of the lending agencies they solicited my SSN # to. Allied Financial used an erroneus address to fraudlently produce a loan application. The actions taken by this company were fraudlent and the finance represent named XXXX was fired after I reported her and salesman XXXX XXXX that they violiated my credit privacy. I hereby warned XXXX CEO and store manager XXXX that I demanded their office to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation.


Date_received: 05/01/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: I.C. System, Inc.
State: CA
ZIP_code: 922XX
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 received a letter from XXXX stating that my information was compromised from the XXXX servers and that my information from a XXXX acct that i applied for was taken. I did not open a XXXX acct. I applied and was denied. But my personal information remained on their servers and was taken and a fraudulent charge of XXXX $ resulted. I have uploaded the letter from XXXX. Id like this negative mark on my credit removed removed since it is NOT MY ACCOUNT.


Date_received: 06/26/2015
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: FTC
State: ID
ZIP_code: 837XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/06/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
This phone number is frequently calling me. States they are from Concorde Resolution and that I need to place a " statement of verification ''. I checked with my state 's department of finance and this company or number is not registered as a legitimate company. They have called me every day. I looked up their phone number and saw that it 's a scam and quite a few people reported to have the same occurrences."


Date_received: 08/05/2015
Product: Debt collection
Subproduct: I do not know
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Company: FTC
State: CT
ZIP_code: 068XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 08/06/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
Company has called my job, house and cell leaving message that im a person of intrested. Leaves other messages threatened lawsuits. They have refuse to vertify debt over phone or in writing. I can not keep getting these hsrrasing calls at work or my home.


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: 902XX
Company_public_response: Consent provided
Company: Web
State: 06/22/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
As such, I am disputing the balances on these credit cards until our points are reinstated and we have been able to redeem them. This was entirely the result of XXXX XXXX 's incompetence and subsequent delays instead of just quickly remedying his mistake.


Date_received: 11/12/2015
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Threatened to take legal action
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: FTC
State: TX
ZIP_code: 785XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 11/16/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Harborfront Acquisitions Llc threatened with a 48 hr response time if not they would take me to civil court.


Date_received: 01/07/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company chooses not to provide a public response
Company: Altisource Portfolio Solutions, S.à r.l.
State: OH
ZIP_code: 442XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 02/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Called my place of employment. The caller said that this was a personal business matter and asked for my social security number twice and then asked for my birthdate to comfirm it was me that they needed to speak with. I asked the caller what does this pertain to and his name and company who he is with and he would not tell me until I gave him my social security number and birthdate. I told him that this is a scam and I am not giving such information out and I told him to stop calling or I would report him. I work for the government and this caused a security breach within my department due to the nature of this call. I was highly embarrassed and my supervisors are all concerned due the the nature of this call.


Product: returned a notarized affidavit to the bank
Subproduct: which
Issue: in turn
Subissue: contacted Citibank to ascertain who negotiated the checks
Complaint_ID: Yes
Date_received:
I wanted to find out who had received the funds so I initiated a fraud inquiry through my bank. The apartment management company, the " Payee ''


Date_received: 05/07/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 902XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Chase bank has aided and abetted XXXX to defraud my credit card account, which money was lender to me by Chase on a high interest rate, by refusing to investigate a fraudulent transaction on my Chase credit card. I have filed a dispute to Chase about the transaction and I spoke with XXXX XXXX XXXX whom we have explained what happened and shown evidence of the court docket and declaration of our lawyer as a proof that the transaction was fraudulent and the contract with XXXX was breached. I have requested Chase to get back my stolen money from the merchant, but Chase refused to protect me and took the merchant 's side, just because of their unlawful interest is to make more money by collecting the high interest rates over the {$3500.00} that was defrauded from me. Background : On XXXX XXXX XXXX I have paid XXXX the sum of {$3500.00} with my Chase Credit Card to bail my husband, XXXX court. The case was XXXX on XXXX XXXX, XXXX. After that my husband has contacted XXXX company to inform them that the charges have been dropped to a XXXX and ask them about the new condition of the bail. But due to this was the XXXX my husband has been arrested, XXXX took advantage of his lack of experience ( XXXX ) and refused to tell my husband the truth that he has been OR-d ( Own Recognizance ) from bail and also refused to inform him that XXXX XXXX XXXX XXXX has failed to post his bail bond to the court, as agreed, which is totally a violation of the contract and of my husband 's freedom by not informing my husband that his bail is no more required by the court. Due to this their fraudulent intention, we assumed that my husband is still on bail and for that reason he could not travel for business oversees or out of state. On XXXX XXXX, XXXX court date, my husband 's lawyer, XXXX XXXX requested the court to waive the bail on my husband, and that 's when we found out that my husband has not been on bail. The court had no information about XXXX posting any bond on behalf of my husband as XXXX have claimed. Due to this reasons XXXX breached and violated our contract with them and took the {$3500.00} without earning it. We have tried to contact them several times asking for a refund but they refused to cooperate and hanged the phone on us.


Date_received: 07/02/2015
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: FTC
State: SC
ZIP_code: 296XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/09/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
This has been going on for years, even after asking them to stop calling and telling them they have the wrong number they keep on calling. Whoever they are, they call me asking for my ex-wife. We have been divorced for years, but I do know that she has no debt like what these callers are describing, and with each call they say it is something different. One day they say it 's a payday loan, then a medical debt, then something else. Sometimes they just demand money from me, even though it 's not in my name and will not tell me what it is for. They say if it 's not paid I will go to jail, etc. They have called my grandparents and other relatives. Recently, all of these calls have been coming from XXXX, and they say they are Concord Resolutions.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: I.C. System, Inc.
State: NJ
ZIP_code: 075XX
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 was victim of identity theft, I do not owe this, already claim it with XXXX and it was remove from my credit report


Date_received: 05/01/2015
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: Simon’s Agency, Inc
State: NJ
ZIP_code: 070XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The Simon 's Agency in XXXX XXXX put a medical debt that my ex-husband is responsible for in the name of my XXXX year old child. They have relentlessly called my personal cell phone and sent letters to my address where my ex-husband has never lived. They also suddenly changed tactics and decided to put the debt in the name of my daughter. When I called they refused to change the name to the father of the child who is listed on the health insurance and who 's address is listed on the insurance ( I have nothing to do with and have never had anything to do with this insurance ). I spoke to XXXX XXXX about this matter and they called Simon 's Agency to change the name to the father, but Simon 's refused to change the phone number or address so I will continue to get the bills and phone calls. I just received a phone call XXXX mins ago.


Date_received: 06/20/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Charged fees or interest I didn't expect
Subissue: Charged fees or interest I didn't expect
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: CashCall, Inc.
State: MA
ZIP_code: 019XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
i took out a loan for XXXX dollars and was charged an interest rate of 135 % which is not legal i have been over paying for years XXXX traded their company to cash call and about two months ago i saw that they stopped taking the money from me and did the research and saw i was owed my money back i 'm not looking for any lawsuits if i am payed my money back


Date_received: 04/01/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company: FTC
State: MT
ZIP_code: 596XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2015
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I have received multiple phone calls from different phone numbers. Sometimes they leave a message and sometimes they do n't. When the message is left it states if I do n't contact them legal action will be taken, and I will be served at my place of employment. The last phone call I received the message said I was a person of interest. I called the number back due to wanting to find out what this was all about. The guy said he was calling from Concord Resolution and his name is XXXX. I would not verify my social security number so he asked if I lived at the address that was listed. I agreed to verify my address. He said I owed money to a pay day loan company called XXXX XXXX, XXXX. He said they attempted to collect the debt multiple times but have not been successful. I informed him they never sent me any paper work claiming I needed to pay a debt. I have never taken a pay day loan out with XXXX XXXX, XXXX. He said this is the last chance I have to pay {$520.00} and if I do n't pay it today he will have to say it was not collected and my wages will be garnished. I informed him until I receive paper stating that they are filing a lawsuit or filing a claim against me in court they can not garnish my wages. The number XXXX gave to call him back was XXXX. There have been multiple other numbers that have called also, I did not save them. He also wanted to verify any banking information, I informed him I will not say yes or no, because that is not valid. He said the loan was taken out in XXXX XXXX, 2013. I informed XXXX he needed to send me the paper work he has in front him so I can verify it was legitimate. He has still not sent me anything.


Date_received: 06/18/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: FTC
State: MD
ZIP_code: 212XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/23/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I keep keep receiving phone calls from a company that says I owe {$1200.00} from a payday loan in 2011. I keep getting harassed saying if I do n't pay the money, I will go to jail.


Date_received: 08/27/2015
Product: Other financial service
Subproduct: Traveler’s/Cashier’s checks
Issue: Lost or stolen check
ZIP_code: email and fax ). There have been numerous emails
Submitted_via: faxes
Date_sent_to_company: and letters
Complaint_ID: Yes
Consumer_narrative:
Travelers Checks were bought in XX/XX/XXXX from XXXX XXXX XXXX, XXXX. ( " Bank '' ) and American Express Company ( "" AmEx '' )

Company_public_response:
 relying upon promised reimbursement within 24 hours of notice of lost/stolen checks. After discovering that {$1600.00} in checks were missing on XXXX/XXXX/XXXX

Company:
 XXXX different claim forms provided by AmEx were submitted : first on XXXX/XXXX/XXXX ; then on XXXX/XXXX/XXXX ; and repeatedly through XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX

State:
 a third set of forms ( Travelers Cheque Refund Reimbursement Agreement and Terms & Conditions-Purchase Agreement ) sent by AmEx was returned ( by certified mail


Complaint_ID: Yes
Date_received:
I was advised the checks had not been and likely could not be cashed as they are on high alert. AmEx supervisor XXXX ( office in XXXX ) stated in conversation memorialized in my cover letter dated XXXX/XXXX/XXXX that my claims were satisfactory and would be paid within XXXX business days after AmEx received the third set of forms. On XXXX/XXXX/XXXX AmEx received those forms


Date_received: Instead
Product: they engaged in a deliberate continuing
Subproduct: repetitive pattern of unfair
Issue: deceptive
Subissue: abusive and discriminatory practices
Company: Bluebird
State: Serve
ZIP_code: XXXX
Submitted_via: XXXX or XXXX )
Date_sent_to_company: all seemingly supervised by the same agents/offices. See
Complaint_ID: Yes
Consumer_narrative:
 which seemed designed to delay and defraud. Bank agents reported that many customers had similar problems with AmEx. And

Company_public_response:
 my experience is similar to complaints on the internet of many buyers of AmEx services ( such as Travelers Checks


Date_received: On XXXX/XXXX/XXXX
Product: XXXX 's subordinate
Subproduct: XXXX
Complaint_ID: Yes
Issue:
 telephoned to discuss the Reimbursement Agreement and Purchase Agreement. I had difficulty understanding his accent and asked him to send an email/letter specifying any problems


Date_received: On XXXX/XXXX/XXXX
Product: I asked Bank to reimburse me
Subissue: without stated reasons
Complaint_ID: Yes
Subproduct:
 as promised in XX/XX/XXXX. I provided copies of the attached documents. On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I spoke with Bank Officer XXXX XXXX

Issue:
 who reported AmEx agent XXXX told her the problem was that the agreed-upon cross-out deletions on the forms were made with black ink pen and yellow highlighter ( as XXXX suggested ) but


Date_received: This difference
Product: without substantive distinction
Issue: liabilities
Subissue: contracts ; waiver of the right to challenge authenticated signatures ; payment of all AmEx costs
Company: reciting numerous matters not originally agreed to
Complaint_ID: Yes
Subproduct:
 raised integrity issues re AmEx not confirming the intended deletions of : acknowledgment of failure to comply ; agreement AmEx could not stop payment on checks ; release of AmEx from all actions

Consumer_narrative:
 expenses and attorneys fees ; waiver of the right to jury trial ; agreement to jurisdiction and venue in XXXX XXXX County

Company_public_response:
 Utah ; and waiver of any claims of lack of jurisdiction and forum non conveniens. The deletions also removed a purchase agreement sought by AmEx almost 20 years after purchase


Date_received: On XXXX/XXXX/XXXX
Product: I spoke with XXXX XXXX ' superior XXXX XXXX
Subproduct: who said that Bank would find someone higher at AmEx in the United States
Issue: not XXXX
Subissue: nor overseas
Company_public_response: and were subordinate to XXXX in XXXX. Thus there was no escalation ; it all ended up full-circle
Company: back again on the treadmill with XXXX. My telephone messages to XXXX
State: XXXX and XXXX were unanswered. I have not been reimbursed."
Submitted_via: Amex
Date_sent_to_company: CA
Company_response: 946XX
Timely_response: Older American
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
 and "" escalate. '' On XXXX/XXXX/XXXX XXXX XXXX phoned to say she had contacted XXXX XXXX at AmEx who would speak to me ; but XXXX did not take my return call. His assistant XXXX said she and XXXX worked in the XXXX


Product: Company chooses not to provide a public response
Subproduct: Altisource Portfolio Solutions, S.à r.l.
Issue: DC
Subissue: 200XX
Company_public_response: Consent provided
Company: Web
State: 12/07/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Web
Date_received:
I then received a collection letter from NCI demanding {$96.00}. Is that XXXX does? Ignore customers, tell them their debts are resolved and then forward them to an unsuspecting debt collector who is unaware of XXXX internal control issues and disregard for honoring their commitments?


Date_received: 08/20/2015
Product: Debt collection
Subproduct: Payday loan
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: FTC
State: AZ
ZIP_code: 851XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 08/30/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Harbor Front Aquisitions stated that they were attorneys trying to collect on a payday loan. They also disclosed the debt without verifying they had the correct party. I had lost my job and did not have any money to put anything on file. Told them on second call that I could put something on file but that it would have to be for a month out as I just started a job. They wanted me to call back and put {$100.00} on file. The XXXX representative was very rude and harassing. I felt very worried about how I was being treated. It was the XXXX time I had talked to anyone from there. I did not refuse to pay but they are trying to submit me for legal action. I was told that they were working for attorneys but I have never heard from the office that owns the debt.


Date_received: The first time I actual spoke with a person
Subproduct: I gave them all the contact information to reach XXXX XXXX XXXX
Issue: XXXX
Complaint_ID: Yes
Product:
 I was asked to verify my SS and I refused. I told them to stop calling me and that if this involved a debt they needed to contact my attorney who works with XXXX XXXX XXXX. ( I work in the XXXX )


Date_received: When I call them back after a few weeks
Subproduct: and still owe {$480.00} on it
Company_public_response: FTC
Company: TX
State: 782XX
Submitted_via: Consent provided
Date_sent_to_company: Web
Company_response: 05/22/2015
Timely_response: Closed with explanation
Consumer_disputed: Yes
Complaint_ID: No
Product:
 I had to verify the last XXXX of my SS. Then the man ( XXXX XXXX ) said I took out a payday loan in XXXX 2013 from XXXX XXXX

Issue:
 how do I plan to take care of this debt. I said I never had this loan and have never heard of XXXX XXXX. I told him he would have to talk to my attorney

Subissue:
 and that once I got validation of the original loan I would have my attorney call him. He claims to be with Concord Resolution and his numbers are XXXX and XXXX."


Date_received: 06/14/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Argon Credit
State: AL
ZIP_code: 352XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
This account is paid in full and verified by XXXX as paid in full on XXXX XXXX, 2016 ; however, the creditor a month later reported inaccurate, bogus balance information and late payments on my XXXX credit report. I disputed, again, with XXXX a month ago, and just today, XXXX XXXX, 2016, XXXX deleted the bogus item from my credit report, but Argon Credit reported this bogus item to XXXX, today, in retaliation.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Medical
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Simon’s Agency, Inc
State: OH
ZIP_code: 453XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They are calling every day always from a different number, never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now XX/XX/2013. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on trans union has been removed because of this divorce.


Date_received: 09/21/2015
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: FTC
State: VA
ZIP_code: 236XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 09/24/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
Continuous phone calls from company referred to as HFS trying to contact someone who does not live at this address/phone number. Each time recording directs me to hang up if I am not the person identified by the phone call. I have done that numerous times to no avail. I would like these harassing calls discontinued.


Date_received: 05/07/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: Portfolio Recovery Associates, Inc.
State: NC
ZIP_code: 282XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The exact option for filing this dispute is not listed in the drop down menu above. This company is inaccurately reporting as the original creditor/lender on the XXXX credit reporting agencies. This is inaccurate information, they are a debt collector not a creditor. I have made attempts to have this information validated and updated/removed and have received no formal response to any letters I have mailed in.


Date_received: 06/17/2015
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Altisource Portfolio Solutions, S.à r.l.
State: NJ
ZIP_code: 088XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/19/2015
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I had XXXX loans with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX. I made XXXX payments via bill pay thru XXXX Bank. I had XXXX accounts XXXX XXXX. It was sent to the wrong account. According to XXXX XXXX XXXX XXXX from XXXX Research Dept, XXXX XX/XX/XXXX XXXX cashed my check for {$1100.00} and sent it on XX/XX/XXXX to Nationwide Credit Inc XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX EST XXXX. Again XXXX payment was cashed on XX/XX/XXXX and sent again to Nationwide Credit Inc . In XX/XX/XXXX, I made a settlement with Nationwide Credit Inc . I sent them the money. XXXX never corrected their record. Instead of sending the money back, XXXX sent the money someplace else and record my account as delinquent.


Date_received: 12/21/2015
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 chooses not to provide a public response
Company: Altisource Portfolio Solutions, S.à r.l.
State: MA
ZIP_code: 021XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 12/23/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Nationwide Credit I reporting to XXXX that I owe {$3000.00} to an apartment community called XXXX. I have contacted Nationwide Credit, requesting a detailed explanation for the debt they are attempting to collect, but they are refusing to supply this information. It is a violation of my rights, under the Fair Debt Collection Practices Act to continue to report this debt to the credit bureaus, if they can not verify details about the balance they are trying to collect.


Date_received: 09/21/2015
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Subissue: Attempted to/Collected exempt funds
Company: FTC
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 09/21/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
A woman called me from an out of state # XXXX and said she was calling me because a Civil Action Lawsuit was being filed against me. She would n't tell me what the lawsuit was in regards to, she was rude, she said I needed to call XXXX and reference a case # within the next 2 days before I get served with a Summons. I called the toll free # and a man requested my name and DOB and said the call was in regards to an outstanding XXXX account the was 7 years old. I explained to him that I 've never had a XXXX account. He said I should know about it because it would have been on my credit report. I told him it was n't and I know this because I just purchased a home. When I told he to no longer call my phone and that I work at a lawfirm and will begin recording the conversation he got really upset and requested my bar number. He then said I could n't record our conversation and said he was going to hang up.


Date_received: 05/15/2015
Product: Debt collection
Subproduct: I do not know
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company: FTC
State: LA
ZIP_code: 708XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
These scammers keep changing their number and keep trying to get me to return their calls. They call multiple times a day to my job and to my cell phone. This is harassment and I want the calls to stop. Someone named XXXX XXXX keeps calling and leaving messages saying to call him at XXXX. I do not owe anyone any money. Please make the phone calls stop!


Date_received: 03/19/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: talked over me loudly and rudely
Company: and knew my social
Date_sent_to_company: FTC
Company_response: RI
Timely_response: 028XX
Complaint_ID: Consent provided
Consumer_narrative:
I never took any loan out, ever, from the company they alledge has hired them to collect the debt. They say I authorized a loan XXXX 2011 from " XXXX payday loan ''. I have never done so. They claim to be "" concord resolution inc ''. The man would not let me question anything

State:
 which he said in its entirety over the phone. They also had an old address and the bank I belong to. I was threatened if I didnt pay XXXX in 10 days that my wages would be garnished and I would be taken to court

ZIP_code:
 where a judge would impose my delinquint balance at 300 % interest and I would have to pay their attourney fees and court costs. He also threatened that he has "" the best attorney '' so good luck contesting this. Im absolutely freaking out right now. I hung the phone up on them and never received a call back which makes this more suspicious than it already is. Please help!!"


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Simon’s Agency, Inc
Issue: FL
Subissue: 327XX
Company_public_response: Consent provided
Company: Web
State: 04/20/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have disputed this debt. Therefore, until it is validated, your informationconcerning this debt is assumed to be inaccurate


Date_received: 09/02/2015
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: FTC
State: TX
ZIP_code: 760XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 09/05/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They Keep HARASSING me using fake numbers from the XXXX XXXX assistance hotline. They will call saying that they were going to serve me papers and come put me in jail over a payday loan. They even went as far as threatening to come up to my job if i dont abide by they 're rules and " Laws '' that they have. Lied saying that i commited bank fraud when i simply had to change debt card 's due to unauthorized activity on my account."


Date_received: 10/14/2015
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 chooses not to provide a public response
Company: Altisource Portfolio Solutions, S.à r.l.
State: TN
ZIP_code: 376XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 10/20/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ive been called XXXX times a month or more for years by debt collectors looking for someone who doesnt exist at my number. I have given them my name and the fact im a retired veteran and how long ive had the phone number for ( over a decade ) both in a polite and angry manner, allways telling them to stop calling but they dont. I should not have to change my number since its the number the XXXX and military knows. They are harassing the wrong person calling at XXXX at night and XXXX in the morning. the last numbers were XXXX and XXXX.


Date_received: 12/04/2015
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Credit decision / Underwriting
Company_public_response: Company chooses not to provide a public response
Company: Altisource Portfolio Solutions, S.à r.l.
State: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 12/10/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
THIS COMPANY SINCE SUSPICIOUS TO ASSIST ME. THEY FEEL THEY ARE IN A XXXX LIEN POSITION WHEN THEY ARE IN A XXXX LIEN POSITION. THEY REJECTED MY $XXXX OFFER AND COUNTERED WITH $XXXX BECAUSE THEY STATED THE HOME HAS EQUITY, NOR DID THEY CONSIDER THE FINANCIAL HARDSHIP. THEY ALSO REFUSED TO PROVIDE THERE OFFER IN WRITING.


Date_received: 06/20/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes complaint is the result of an isolated error
Company: Ditech Financial LLC
State: AZ
ZIP_code: 855XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My loan was sold by Greentree to Ditech approximately 6 months ago. Since that time, my loan payments ( which have always been submitted on time ) have been applied to my escrow rather than my mortgage, thus making my mortgage payments late. We have contacted them each month letting them know that the payment has cleared our bank and they will reapply the payments to our mortgage, which does happen eventually. In the meantime until that payment is applied ( which can take up to 10 days ), we receive calls on our cell phones and our business phone stating our payments are late. Many of these calls come on the weekend and the evenings when we can not address the issue with a live person. This happens EVERY MONTH. My XX/XX/XXXX payment was not applied to my account until XXXX XXXX, therefore accruing for an additional month and making me over 30 days late when my payment was actually received by Ditech on XXXX XXXX. Additionally, my XXXX payment that was sent on XXXX XXXX is still showing delinquent. I talked to a supervisor today that said it is a known error and this is affecting XXXX Ditech clients. The collections calls are borderline harassment since there is no immediate recourse I can take, my mortgage payments are being held hostage due to a computer error, my credit has the potential to be affected and I am being charged unnecessary accrued interest!


Date_received: 07/07/2015
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: FTC
State: NC
ZIP_code: 272XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/12/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
Phone messages received about me being a person of interest in a past debt that I owed. I have no past debts and in looking up the phone number that called me, I see the company is well known in scamming people for so-called debt collection.


Date_received: 09/30/2015
Product: Other financial service
Subproduct: Traveler’s/Cashier’s checks
Issue: Fraud or scam
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Stewart Information Services Corporation
State: CA
ZIP_code: 921XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 11/12/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XX/XX/XXXX 2006, I entered into a contract to buy a condo development which was under construction at The Residences XXXX. I gave a down payment of {$140000.00} which was 50 % of the purchase price. I made XXXX payments XX/XX/XXXX, 2006. All checks were made payable to Stewart Title Escrow. They were cashier 's checks XXXX. About 5 years ago I went to Stewart Title to try and get my down payment back but they would not give it to me. I am hoping that you can help me get me money back from Stewart Title.


Date_received: 05/25/2016
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: NCC Business Services, Inc.
State: AZ
ZIP_code: 852XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX NCC ( litigation department ) left a voice mail on a third party phone number, stating that he knows that this is not my phone number but they have pending charges against me regarding case # XXXX leaving phone number XXXX, and they will move forward with the litigation charges.


Date_received: 07/22/2015
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: FTC
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/29/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
For approximately a week now I have been receiving phone calls from a company named Concord Resolutions on my residence and work phones. After Googling the number XXXX I saw that his company is trying to scam people alleging that they owe a payday loan ( which I do not ). These people leave and automated voice message with a call back number. When I called back the woman asked me to verify the last XXXX of my social security number which I declined to do. At that point she became irate and cited the Fair Debt Collection Practice Act prevented her to give me any information as to why she was calling. I told her that the only information that I would confirm is my name and nothing else. At which point she became irate and hung up on me. These calls are becoming annoying. I feel that I am being harassed.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Simon’s Agency, Inc
Issue: NC
Subissue: 283XX
Company_public_response: Consent provided
Company: Web
State: 04/19/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have no problem paying the bill if I owe it. I feel I have the right to check into the original bill as I have not received any notification on it. In the meantime I do not believe this should be held against my credit. Simons Agency has violated several sections of the Fair Debt Collection Practices Act. I should be felt like I have to pay a bill to have my credit report updated when I do not even know if that bill is mine.


Date_received: 11/03/2015
Product: Mortgage
Subproduct: Other mortgage
Issue: Credit decision / Underwriting
Company_public_response: Company chooses not to provide a public response
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
ZIP_code: 926XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 11/04/2015
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Short sale solutions is working on a short sale on behalf of XXXX XXXX XXXX, she has XXXX loans the first is with XXXX XXXX now XXXX ( XXXX loan ) the XXXX is with Nationwide Credit Inc . Per XXXX guidelines a XXXX mortgage should only receive a max of XXXX from short sale proceeds, nor seller, buyer or agents are allow to contribute. Nationwide Credit Inc is insisting we give them a higher payoff amount despite the fact that we are prohibit to do so per XXXX. The seller has complied to all requirements, has provided all the information requested by NCI that proves her financial hardship, seller is trying to avoid foreclosure, XXXX is willing to work with the offer amount we have, however we can not proceed because NCI is NOT willing to release the lien and issue an approval letter for less than 20 % of the unpaid principal, the total amount due is XXXX. We are afraid this will lead the homeowner into a foreclosure. We can not issue more money to NCI, we would be violation of XXXX guidelines.


Date_received: 05/11/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company: FTC
State: TN
ZIP_code: 370XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Concord Resolution calls and leaves me a message saying I have been belligerently unwilling to pay. They have called me every day threating to take action on a payday loan that I never received.


Date_received: 04/06/2015
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Company: FTC
State: MO
ZIP_code: 630XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/09/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
This company keeps calling and interrupting me at work, using profane language and not identify themselves besides breathing hard over the phone. I am scared that I might lose my job because I feel intimidated by their phone calls while I am at work and I am scared for my family and our livelihood.


Subproduct: PAY BY MAIL
Subissue: XXXX.
Complaint_ID: Yes
Date_received:
Showing the "" Bar Code '' is a FDCPA violation of section 1692f ( 8 ). And in their first letter I received from them

Product:
 they are violating the FDCPA by only allowing me XXXX options to resolve my account. SECURE ONLINE PORTAL

Issue:
 and PAY BY PHONE. It is like I have no other option but the XXXX that are given to me. Then they reverse themselves and tell me "" Unless you notify this office within thirty ( 30 ) days after .... '' This of course is my mini-miranda rights. This is also a violation of the FDCPA and Texas Finance Code. They have been sued in the past for the very same things they have done to other consumer. Just recently XXXX XXXX XXXX XXXX XXXX


Product: Company chooses not to provide a public response
Subproduct: Altisource Portfolio Solutions, S.à r.l.
Issue: TX
Subissue: 752XX
Company_public_response: Consent provided
Company: Web
State: 11/14/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
In the attachment is a copy of the letter I received and some recent court cases brought forth by other consumer like myself."


Date_received: 05/08/2016
Product: Credit card
Issue: Billing disputes
Company: PayPal Holdings, Inc.
State: MA
ZIP_code: 023XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My PayPal account has multiple unauthorized charges on the account. I continue to dispute the validity of these charges. I wish to inform PayPal that I have now contacted the attorney general in my state and named them in a consumer complaint. I want charges on my account removed, ( all previously disputed ones ) and I want negative credit reporting to any of the XXXX credit bureaus removed.


Date_received: 06/22/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Midwest Recovery Systems
State: OH
ZIP_code: 452XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am trying to rebuild credit due to a divorce and get copies of my credit report on a regular basis. Yesterday a collection popped up on my account from a place called Midwest Recovery for {$1000.00} it says was opened XX/XX/2016. From XXXX XXXX XXXX. I have not any loans with any of these people. I have not received any communication of any form from this company but yet they put something on my report. I am in the process of disputing with the credit reporting agency as well. But this is not fair. This is not my bill.


Date_received: 06/18/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: FTC
State: FL
ZIP_code: 329XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/23/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The debt company has been calling me for the last few weeks. So on XX/XX/XXXX at XXXX I called the number ( XXXX ) and they are telling me that in XX/XX/XXXX XXXX there was a payday loan taken out in my name. They had my bank name but not the right acct. number and my S.S. #. They would not tell me who singed for the loan or how much it was for. I have never taken out a payday loan. I would like to get this resolved as soon as possible.


Date_received: 04/23/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Taking out the loan or lease
Company: New City Funding Corp.
State: MA
ZIP_code: 025XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I financed a vehicle in XX/XX/XXXX-XX/XX/XXXX and had car issues days into the loan then the loan was cancelled and was no longer active but it still shows it on my credit report and I would like for it to be cleared off.


Subproduct: FTC
Issue: IL
Subissue: 604XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 07/14/2015
ZIP_code: Untimely response
Submitted_via: No
Complaint_ID: Yes
Date_received:
The debt collector is concord resolutions llc. their phone number is XXXX XXXX XXXX. I never got any paperwork or money form the company they say i owe money


Date_received: 04/01/2015
Product: Payday loan
Subproduct: Payday loan
Issue: Can't contact lender
Subissue: Can't contact lender
Company: FTC
State: NH
ZIP_code: 032XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/01/2015
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I just received a call from a company called Concord Resolutions in XXXX, ny. They claim I owe a payday loan from 2011 from XXXX XXXX XXXX XXXX which is now supposed to be XXXX in the amount of XXXX I 've never heard of these people! They 've given me 10 days to pay and a couple of payment options then they will start calling again.


Date_received: 04/08/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
ZIP_code: 951XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A company called XXXX was trying to charge me on a cancelled service. I tried to contact them few times and was told for a refund, but was never processed, so I contacted my credit card company which is XXXX. XXXX then stepped in and contacted XXXX. Everything was taken care but months later, XXXX filed a collection through Nationwide Credit Inc . I 've been trying to contact Nationwide Credit Inc for the past weeks, but they removed my online access, never picked up my phone, never returned my voicemail. What can I do? XXXX should 've spoke up when XXXX contacted them, but they did n't. They instead file me a collection, and the collection company does n't care to contact me at all. XXXX already wasted me a LOT of time. How come I 'm the person that has to waste my time to deal with XXXX 's mess. I ca n't just let them kill my credit and steal my money. Is there anything I can do? Thanks.


Date_received: 05/02/2015
Product: Payday loan
Subproduct: Payday loan
Issue: Received a loan I didn't apply for
Subissue: Received a loan I didn't apply for
Company: FTC
State: NJ
ZIP_code: 076XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2015
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
Around XX/XX/XXXX-XX/XX/XXXX i made a big mistake & borrowed from a couple of pay day loans. They were paid back and over a period of time requested me to re borrow. Unfortunately, shortly afterwards, I started receiving calls from different people with heavy XXXX accents requesting money. At first, i thought they were from the same company i had paid off since it was done on line. Unfortunately, I did not realize until someone called saying i still owed on my pay day loan. As soon as I pay another person would call threatening me for payment. Once asked for what loan, they would just for a pay day loan and I was going to be arrested. There has been times, money was taking from my account without authorization. Once I realized what was going on, I went into my bank. The bank inform me to be careful because they have seen this happen to other customers in the past. It was suggested to make a hold on my account. Prior to me realizing what was going on, I even purchased prepaid cards to avoid problems and overdrafts to my account. I realized my information was given out to other company 's through the web because before I knew it, there were several lenders claiming i owe them. At this time, I started hearing about more and more people getting scammed. Therefore, I went to the police department and filed a complaint. I gave the names and numbers of different representatives. I was embarrased and was told I should have never borrow that way and especially sharing my information on the web. Unfortunately, I had gone through a separation and was in a financial dilema. However, I was advised to close my accounts and be careful with the internet. I admit during that time, I was not that familiar with how the internet worked. I called credit bureau 's and put security freeze/fraud alert on my accounts as advised. To date, it still remains. I feel it is time to take action because about 3 weeks ago I just received a call from Concord Resolution who now say {$480.00} is owed and they represent the company that got me the loan in XX/XX/XXXX or XX/XX/XXXX. They claim since my account was closed they could not collect. Again, this is strange because why i have to pay a company who got me a loan for what I borrowed when fees are already included. Lord in behold, XX/XX/XXXX, a call from a XXXX XXXX who represent a company say {$500.00} is due. I truly want to stop this because i spent a few thousands in the past. I plan to retire and can not redo this XXXX again. It effected emotionally and financially as well. Continental representative could not give me the name or the address of the company. I will look back and give names & phone numbers I guess when needed. I have so many names & numbers until it is confusing and very stressful to me. I would never borrowed in this manner and not pay what i owe. Please help me.


Date_received: 04/24/2015
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company: FTC
State: WA
ZIP_code: 982XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/24/2015
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I do n't have a delinquent loan. I have received XXXX calls each day for the last 2 months. They claim I have debt and threat legal action, they use several legal terms and it is ALWAYS a message, never a live person. Harrassing messages daily on my cell phone, with no details or specifics. Claim they are called CONCORD RESOLUTION..


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Simon’s Agency, Inc
Issue: NJ
Subissue: 072XX
Company_public_response: Consent provided
Company: Web
State: 02/12/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: No
Date_received:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Leaving several voicemail and automated messages within the past month. A letter was sent months ago to contact them regarding a medical bill from 2010 that was passed NJ Statute of Limitations of 4 years. ( Sale of goods under the UCC : 4-years, ( N.J.S.A. 12A ; 2-725 ) ).


Complaint_ID: No
Date_received:
4. My insurance and I have already paid them about {$1600.00} Instead of providing us the requested info Simon 's Agency reported this amount to credit bureaus both as " unpaid '' and "" collection '' in an attempt to damage my credit report. When I wrote back to them they informed me that they have reported the account as disputed. However


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Simon’s Agency, Inc
Issue: IL
Subissue: 605XX
Company_public_response: Consent provided
Company: Web
State: 05/17/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: No
Date_received:
As a result of misreporting of this information to credit reporting agencies My credit score has dropped by about XXXX points."


Date_received: 05/29/2015
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Company: FTC
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/04/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A representative from a company named Concord XXXX phoned me claiming I owed for a pay day loan from XXXX. The representative could not identify the company where the loan originated. She knew my address and said numerous attempts were made to serve me a summons. She also claimed they were representing XXXX XXXX, a clearinghouse for collecting pay day loans. My credit union account shows no record of any pay day loan during that time.


Subproduct: FTC
Issue: CA
Subissue: 958XX
Company_public_response: Consent provided
Company: Web
State: 10/27/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
It is my understanding that by not committing to their settlement offer in written form, they are clearly misleading me and have a false and deceptive representation of my debt. Verbally they are saying I owe {$5500.00} ; however, the actual statement is over {$11000.00}. Again, my fear is that after receiving the initial settlement offer of {$5500.00} they will use this money as leverage and will demand more.


Date_received: 05/07/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company: Equifax
State: FL
ZIP_code: 342XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They have my social security last XXXX digits XXXX wrong names listed for me had a fraud alert that I did n't put in I also had tremendous inquiries that I 've asked Equifax to remove and if they do I have to put a grad alert and I DONOT want another fraud alert on my credit they have made a mess of my life


Date_received: 06/09/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: CCS Financial Services, Inc.
State: NV
ZIP_code: 891XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX recently informed me that I owe a {$50.00} debt from XXXX 2014. I sent them a copy of my bill pay statement from XXXX 2014 that shows I paid XXXX the {$50.00}. XXXX submitted the bill to Credit Collection Services XXXX and I also sent the 2014 bill pay statement. to the Collection Agency. I am going to send both of them this proof again and this time by certified mail also because they say I still owe the {$50.00}.


Date_received: 12/22/2015
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
Company_public_response: Company chooses not to provide a public response
Company: Altisource Portfolio Solutions, S.à r.l.
State: IN
ZIP_code: 479XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 01/08/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
We purchased a house at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XXXX XXXX, 2015. The house is in the name of XXXX and XXXX XXXX and XXXX XXXX. We were told that we had to use XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ; telephone # XXXX. The mortgage with XXXX XXXX, # XXXX is only in the name of XXXX and XXXX. The reference # at XXXX XXXX is XXXX : XXXX. My daughter, XXXX and her family are living in the house, and we want to file for a homestead exemption. However, XXXX XXXX has not filed the necessary paperwork with the Recorder in XXXX County, XXXX. The deed and mortgage have not been recorded. We have called and emailed XXXX XXXX many times all summer long, but can not get this recorded. Months ago, they told us there was a paper that did not get signed at closing. They sent us some papers, we all three signed them and sent them back. Still, nothing gets done. We told them we are going to sue them since we will have to pay higher taxes without the homestead exemption, and still nothing gets done. The recorder in XXXX County, XXXX advised us to contact the Attorney General. I filed a complaint with the XXXX Attorney General who advised my to contact the GA Attorney General. They sent me to the Banking and XXXX XXXX and they sent me to CFPB. Please help us to get XXXX XXXX to file the necessary paperwork with the Recorder in XXXX County, XXXX to get this sale recorded properly.


Date_received: 06/15/2016
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: MD
ZIP_code: 219XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/17/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
A duplicate charge of {$89.00} from XXXX XXXX occurred on XXXX/XXXX/2016 ( original charge posted XXXX/XXXX/16 ) and multiple disputes were submitted by the primary cardholder ( XXXX XXXX XXXX, her son XXXX XXXX ( who has POA ) and her daughter in law ( XXXX XXXX XXXX who was added as an authorized user to Citi Card account ; however, the final resolution was that sufficient information was not submitted by the response date even though verbal contact was made 2 days prior to final letter was produced inquiring what other information was necessary to resolve the dispute.


Date_received: 06/22/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Receivables Performance Management LLC
State: CA
ZIP_code: 902XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Receivables Performance Management ( RPM ) placed an item on my credit report without my knowledge as a collections account. I have no idea who they are nor do I owe any alleged debt with them. I called them on XXXX XXXX, 2016 at XXXX PST and they abusively hung up on me twice. I was inquiring as to why they placed a collections account without prior notification nor any notice to dispute, the collections agents were rude and hostile when I called them in flagrant violation of the Fair Debt Collections Practices Act. RPM is flagrantly violating the Fair Debt Collections Practices Act with their abusive and hostile debt collections practices. I recorded all the phone calls with them including when they hung up on me twice in an abusive and hostile manner.


Date_received: 06/25/2015
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company: FTC
State: TN
ZIP_code: 378XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/25/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My Chapter XXXX Bankruptcy was discharged in XX/XX/XXXX and most all debts have been removed from my credit reports, e.g., XXXX and XXXX. Revenue Recovery Services is still showing negative remarks regarding this debt from XXXX XXXX XXXX in XXXX XXXX, TN XXXX occurring XX/XX/XXXX. This negative remark has lowered my credit rating considerably and has resulted in me being denied certain credit.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: National Credit Systems,Inc.
Issue: OH
Subissue: 450XX
Company_public_response: Consent provided
Company: Web
State: 04/19/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I did a party at leasing office and management not given deposit money they agreed to give back after party. the reason saying that candle wax melted and spread over there. it was a XXXX yesr child birthday party we used a cigarette size XXXX candle that is not sufficent to fill entire area. any way money is not returned back.


Date_received: 06/21/2016
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: Helvey & Associates
State: OH
ZIP_code: 451XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX submitted a collection to Helvey and associates saying I owed XXXX dollars for a bill from XXXX XXXX. I have a copy of my bill from XXXX for XXXX XXXX. The bill is XXXX. We moved out of that house the XX/XX/XXXX. I called XXXX and was told the bill was transferred to my account by mistake. The bill belonged to a man named XXXX XXXX. I was told the transfer department would remove it and contact the collection company within 3 days. That did n't happen. I called back and was told I should have never been given the information as it was confidential. I was told the bill was mine as they had my social security number. I asked for an itemized copy of the bill and was told they could not give it to me. I was told the bill was from XXXX and I would have to get a judge to give me a court order and a subpoena to get the bill because it was over 2 years old. I am trying to purchase a home and want my credit report corrected. Can you help me?


Date_received: 06/29/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: FTC
State: CA
ZIP_code: 940XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/06/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
These people keeps calling for a payday loan that I never applied for. Threatening me with civil actions if I do not pay. Calling my family about this payday loan and threatening them with civil action. Everyday calling me and leaving me computer messages. These people are horrible scammers please help.


Date_received: 05/07/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company: Navient Solutions, Inc.
State: MA
ZIP_code: 019XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I took out a private student loan in XXXX with XXXX XXXX. The loan was sold to Navient in XX/XX/XXXX. My interest rate is 12 %. I have been consistently overcharge every month and some moth XXXX percent of my payment is applied to the loan. My original loan balance was {$10000.00} in XX/XX/XXXX. My balance as of today is {$8600.00}. Navient can not explain how my monthly interest, principal and fee are being applied. Some months there is absolutely no money is being applied to the principal at all. I am trying to refinance the loan with them and they will not do so. I have good credit so I will try elsewhere.


Date_received: 09/15/2015
Product: Mortgage
Subproduct: FHA mortgage
Issue: Settlement process and costs
Company_public_response: Company chooses not to provide a public response
Company: Altisource Portfolio Solutions, S.à r.l.
State: NE
ZIP_code: 689XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 10/01/2015
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
We closed on our home on XXXX XXXX, 2015, signed a HUD statement and loan documents, wired funds to the title company, were given keys to the home and told we were closed and could move in. XXXX hours after closing, we had to go back and resign a HUD, and the statement reflected we were to be reimbursed money, which we still have n't received to this date. On or about XXXX XXXX, 2015, we were contacted by XXXX XXXX at XXXX Mortgage Company, who stated they received their loan proceeds funds back that day, even though she has signed loan documents in her file. XXXX then proceeded to tell me we needed to sign an early occupancy and extended closing date form and that all would be good to go. On or about XXXX XXXX, I was contacted by my real estate agent informing me that we needed to move out immediately because there was a mix up between our lender and title company and that we did not technically close as the deed still has not been filed. On or about XXXX XXXX, I learned that my lender sent our loan funds to the wrong company, being a sister company of XXXX XXXX XXXX XXXX XXXX and the sister company never sent those funds to the XXXX GA branch. Therefore the title company never recorded the deed or mortgage documents. However, we have been living in the home since XXXX XXXX, 2015, and no one ever contacted us to say there was an issue before XXXX XXXX or that we needed to move out until on or about XXXX XXXX. No one has ever refunded our funds we wired to the title company, where is that money? Dry closings are supposed to be illegal in the State of Nebraska, had the laws been followed, we would n't have been able to close, as that title company did not have the funds in their account, only mine and my husbands funds were in their account. My lender will now not provide me with any documentation, ignoring my phone calls and that I need to talk to her boss, who will not return phone calls either. Now, my family is out on the street until something is resolved.


Date_received: 01/21/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company chooses not to provide a public response
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 01/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX. In 2013 I had renters staying in my home for 3 years. When they moved out I needed time to get the place ready to re rent. I chose to do loan modification. Because I am a XXXX XXXX. My husband and I needed to clean the place mow the lawn spray for termites and fleas as it was infested and paint. a company was hired by XXXX called altisource solutions. They broke into my home, they broke sliding glass doors to the kitchen, theback sliding glass doors, the front door, and broke the locks both regular lock and deadbolt off the door and replaced the regular lock and a lock box. This make the property less secure. Once inside they left a sticker on the window and when we called the number had been disconnected so we called the police. They started charging fees. Meanwhile we were in the middle of going through a mortgage renegotiation because it was so high. The home was not vacant nor was it in foreclosure and they had no rights to the property. For 2 years we have been asking to get this resolved! We filed a police report. We called many times only to be told to call and speak to our " relationship manager '' which is a joke as we have had so many of those we cant count. They have added and refuse to remove their "" Maintenance '' fees which they never provided any maintenance. Today altisource called stating they tried to contact us in XXXX of 2013 by mail. ( never happened ) and gave me crazy off the wall phone numbers they said were supplied by us LOL! ( I know my own phone numbers and they have n't changed in 2 years ) Yesterday the guy called me and asked if I was the guy who was supposed to be helping me from XXXX. When I said excuse me? He said oh "" this is n't XXXX? I do n't think I sound like a XXXX .... He offered to fix the damage and add it to my loan. Can you imagine? His company broke my property and he will buy materials and contract to fix it and charge it to me to pay for so I get XXXX twice. What a happy ending. I pray no one ever has to deal with XXXX or altisource solutions as they wolves in sheeps clothing pretending to be helpful all the while and XXXX as soon as you turn around."


Date_received: 06/22/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Complete Credit Solutions, Inc.
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Complete credit solutions acct XXXX is inaccurately reporting on my credit. Per federal and state laws a collection agency must not falsely debt clams and this account is reporting an inaccurate debt balance of an erroneous account. It is also a false statement and a violation for a collection account to report the account type inaccurately. This account is a collection account and is reporting as a factoring company account on my credit. This is inaccurate reporting. A debt factoring account reflect current debts on open accounts not closed debt that is sold to a collection agency written off as bad debt by the lender.


Date_received: 06/25/2015
Product: Payday loan
Subproduct: Payday loan
Issue: Received a loan I didn't apply for
Subissue: Received a loan I didn't apply for
Company_public_response: Bank Info
Complaint_ID: Yes
Consumer_narrative:
A PayDay Loan Company is trying to send my " account '' to collections and Concord Resolution Inc contacted me on their behalf attempting to get my SSN


Subproduct: FTC
Issue: OK
Subissue: 740XX
Company_public_response: Consent provided
Company: Web
State: 06/25/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX. They are n't giving me the name of the Pay Day Loan Company that is supposedly launching this complaint. They are just threatening me to try and obtain my banking information."


Date_received: 10/12/2015
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: Simon’s Agency, Inc
State: NY
ZIP_code: 104XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 11/05/2015
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
A few weeks ago I got a credit report alert stating that a negative item was reported on my credit report. After I log in to check it out I found out that a collection agency name XXXX agency on behalf of XXXX and XXXX was reporting information to the XXXX credit bureau without validation of the alleged debt. I called the agency and spoke to the first rep and I informed him that why was negative item being reported to the credit bureau and this allege debt is not validated and I requested that the debt be validated. He refuse to hear what I have to say and I requested to speak to a supervisor and one came on the phone with the same attitude stating that they requested a bill from the original creditor and as soon as they get it they will forward it to me. I told them that this is not satisfactory because the alleged debt should have been verified before they put a negative mark on my credit report. Up to this date I have never received any correspondence from XXXX agency or XXXX and XXXX who they are supposed to be represented. I have never received any validation on this allege debt. Reporting negative information to the credit bureau without validation is a violation of both federal and state law.


Date_received: 05/29/2015
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: FTC
State: CA
ZIP_code: 934XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/29/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX of Provider Recovery Network, XXXX XXXX, XXXX XXXX, CA XXXX, telephoned my daughter several times and threatened to sue her and ruin her credit if she did not immediately pay a debt in person. She XXXX, and XXXX harassment caused her much distress. He claimed that the debt was an unpaid hospital bill. My daughter is an adult dependent covered by our family health insurance, and we have paid every bill ever received. I spoke to XXXX on XXXX/XXXX/2015 and told him to send the bill to me, and to stop contacting my daughter. To date, I have not received any bill from him ; I believe there is no debt. I would like written confirmation that we owe nothing. Thank you.


Date_received: 06/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: submission of required documentation
Complaint_ID: No
Consumer_narrative:
Bank of America - attempt to get a mortgage rate modification Case number : XXXX On Page XXXX of Proposed Resolution Letter Final with Enclosures, referring to the paragraph " Our research confirmed ... ''

Company_public_response:
 I was unable to pay such an astronomical amount to reinstate the account. This is their reason for attempting to foreclose and take the house from me. The lawyer ( referred to below ) advised me otherwise regarding making payments

State:
 and qualification for a loan modification which was reversed several times. In addition the bank tried no less than 20 times to foreclose during this period when they did n't give me a chance to try and make payments


Date_received: XXXX XXXX
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Bank of America
Subissue: VA
Consumer_narrative: 201XX
Company: Consent provided
State: Web
ZIP_code: 06/22/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: No
Product:
 Attorney -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Virginia XXXX Office XXXX Mobile XXXX Mobile XXXX Email : XXXX XXXX ( Assistant ) -- -- -- -- -- -- -- -- - XXXX Non-Attorney Staff Member XXXX Virginia XXXX Office XXXX Fax XXXX"


Date_received: 09/03/2015
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: FTC
State: MI
ZIP_code: 488XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 09/03/2015
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
i used to own a piece of propriety that has a assocation fee which was due way before i filed for chapter XXXX bankrupcy in 2011 they are still trying to collect even though it was discharged


Date_received: 09/01/2015
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: Company chooses not to provide a public response
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL
ZIP_code: 338XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 09/10/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The company has never sent me a notice of the debt, and has simply reported the debt to the XXXX credit reporting companies.. When sent a request for verification of the debt, the company said they they could not provide me with the information until I provided them with a utility bill or insurance card with my physical address on it. I do not have either of these because I do not pay such bills. They refused to accept a copy of my state-issued drivers license, and will not provide any information about the debt besides for the balance, which I do not believe I owe.


Date_received: 04/16/2015
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: FDIC
State: CO
ZIP_code: 809XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/16/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This collection is from an apartment complex for my son ( XXXX XXXX XXXX ), who has the same name obviously. I have never lived there nor did I co- sign a lease for him. The XXXX that they say is owed by my son is a ridiculous amount that in no way is justified or was in the lease anyway but the fact is that I was not even on the lease and am not responsible for it. They have refused to remove the collection from my credit report and thereby caused me much distress and hindered my ability to get a home loan.


Date_received: 05/07/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been disputing the alleged debt Nationstar Mortgage , LLC claims their acting in the capacity as servicer for the XXXX since XXXX XXXX, XXXX. I 've reported complaints to the CFPB as well. Nationstar consistently submit fraudulent and false information. All the information Nationstar has sent to me and the CFPB has been contradictory. In an effort to get clarification on this alleged debt, I requested my FHA loan history data to compare it to what has been submitted to me and the CFPB. I 've attached the FHA Case Details sent to me on XXXX XXXX, XXXX. It further complicates the matter. The status of the alleged loan reported to the FHA is incorrect as well. I will be filing an FHA complaint with XXXX, Secretary and XXXX, Inspector General of the HUD Administration.


Date_received: 05/07/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
on XXXX XXXX a charge to my account without my authorization was made by XXXX XXXX, when contacting my bank they refused to allow me to dispute the debt. I bank with Chase located at : XXXX XXXX XXXX XXXX CA ph XXXX XXXX XXXX. The Chase account was not used as security for XXXX and they claim they know that I have signed an agreement with XXXX that allows them to charge any card on file with or without my authorization. They refused to open up a claim unless I closed my account which would result in several bank charges for pending bill payments. XXXX has a pending claim with you now and there was no way to add Chase to the complaint. Chase was notified once the charges went from pending to paid and the representative refused to allow me the right to dispute the charges because he felt they were owed.


Date_received: 04/07/2015
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Company: URS Holding, LLC
State: NY
ZIP_code: 138XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
After contacting XXXX, when United Recovery Systems would n't allow me to make payment arrangements, they contacted me and told me to contact them. XXXX gave me URS 's wrong contact number. XXXX gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX URS 's number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.


Subproduct: FTC
Issue: CA
Subissue: 933XX
Company_public_response: Consent provided
Company: Web
State: 08/12/2015
ZIP_code: Untimely response
Submitted_via: No
Complaint_ID: Yes
Date_received:
I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights!


Date_received: 06/22/2015
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: FTC
State: IL
ZIP_code: 602XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/25/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
there 's a company by the name of concord resolutions called me and left a recording on my phone stating that I have limited time to place a statement on file and i called to see what is was about and the guy told me a company I owe wants me to resolve it or they will take me to court and to my knowledge I do n't owe any XXXX I 've been getting these debt collectors calls for months paid them back but now that I XXXX this company and a lot of people has said this is a scam and they been having problems with them I want all of the calls to stop so please what can I do? I 'm tired of giving money to these people and knowing I do n't owe them I just do n't want to deal with the threats and the courts at all


Date_received: 04/29/2015
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Simon’s Agency, Inc
State: PA
ZIP_code: 190XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
calling for a person that is n't at this number, says to call them at XXXX and use a reference number. i advised them XXXX on the phone and left info on their web site this person is not at this number. after telling person on the phone the robo calls started


Date_received: 05/04/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Complaint_ID: Yes
Consumer_narrative:
I signed up for this home buying program called NHBA= National Home buyers alliance. They present their program as if, they can get you approved to buy a home becasue they own their own bank. I was never told that I would have to go thur a more natural process in purchasing the home. One thing was XXXX said I would have to make sure that I pay all my bills on time without being late. I aim for that, each month. But my question was what if something happens and I have an emergency with my family and I am 30 days late. XXXX said " you would have to have 12 months of no late payments. I asked for my money back that I had paid into the program. She said there were no refunds and becasue I sign some forms stating I fully understood than

Company_public_response:
 I could NOT have my money back. My issue is I did not read that I had to have 12 months of full on time payments before I could perceed. At this time

Company:
 I asked them to freeze my account. It seems like a lot of money to pay just to get qualified for home purchase. Once I do what is asked of the program. NHBA has another hoop and more money asking from me. I see this as a predator leading from NHBA

State:
 it seems like they prey on citizens that are middle class and want better. If I would have know the fine details of this program

ZIP_code:
 I would have never signed up for it. I wish to have my full refund of $ {$880.00} returned to me. And what kind of company can not furnish a receipt. I want receipts has well for what I have paid in to this program. If you do n't have a receipt than it 's not business. At this time


Date_received: 05/27/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company: again on XXXX
ZIP_code: there were XXXX different "" loans '' with this call
Submitted_via: XXXX from XXXX and another from XXXX. I have received numerous calls before XXXX
Company_response: as per the XXXX credit report bureaus
Consumer_disputed: and I block these numbers from calling me. However
Complaint_ID: people end up calling me anyway from different numbers each time
Consumer_narrative:
On XXXX, someone from phone number XXXX as well as phone number XXXX ( " XXXX XXXX XXXX '' ) contacted me stating I received a "" pay day loan '' in XX/XX/XXXX and when they tried to extract repayment from my account

Company_public_response:
 access was denied. They stated they are pursuing legal action since I "" have not paid back the loan. '' Also

State:
 someone from phone number XXXX ( "" Concord Resolutions '' ) called me with the same story. However

Date_sent_to_company:
 but I did not document those calls ; I thought they would just stop since I have n't applied for any types of loans. Both my husband and I have checked with our bank and there were no such deposits of money or loans issued. Also

Timely_response:
 there have been no inquiries or loans applied for in the last XXXX years. I have filed a police report


Subproduct: I did finally receive the documentation on XXXX XXXX
Issue: XX/XX/XXXX. I then called XXXX and spoke with a representative called
Complaint_ID: Yes
Date_received:
Phone calls from a collection agency began XXXX XXXX, XXXX and repeated multiple times each day. They were all from " unavailable '' or "" restricted '' numbers. My XXXX conversation with a representative at "" XXXX '' was XXXX XXXX. I sent a letter ( certified return receipt ) requesting that they ceased calling me and send validation / documentation of the debt. I did not receive this documentation so I sent a XXXX request XXXX days later. A short while later ( XXXX XXXX ) I began receiving multiple phone calls from another collection agency

Product:
 XXXX XXXX XXXX After numerous phone calls ( with a call center in XXXX ) and another letter requesting validation of the debt


Complaint_ID: Yes
Date_received:
A "" settlement '' was not possible because of our limited financial resources. I needed to make payments. They wanted at least 10 % down. I wanted to put {$500.00} down. The end result was an agreement of {$890.00} down ( which XXXX stated he was able to achieve under "" hardship "" conditions ) and monthly payments of {$430.00} for 36 months. Except the agreement had to be in XXXX parts - 24 months was as long as they would go. We would need a XXXX agreement for 12 months for the remaining amount. There would be no additional interest on what I owed. I stated that I would send in my own payments and ( on legal advice ) not provide a bank account number and allow them to take automatic payments. I also wanted our agreement in writing before I would send in the XXXX payment. I requested information on the "" clean slate '' offer XXXX was making. XXXX directed me to call the credit reporting number at XXXX XXXX since XXXX could not determine how XXXX would report this account. XXXX told me that a letter outlining what we discussed would be sent to me and I should call him when I received it. This was on XXXX XXXX


Subproduct: Company believes complaint represents an opportunity for improvement to better serve consumers
Issue: Altisource Portfolio Solutions, S.à r.l.
Subissue: AK
Consumer_narrative: 995XX
Company_public_response: Older American
Company: Consent provided
State: Web
ZIP_code: 03/23/2015
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
I almost immediately began receiving collection calls from another XXXX #. When I returned the calls I had to start all over with a different office /division of XXXX. I reiterated the terms of the agreement that had been achieved. I dealt with XXXX people at this new office ( XXXX XXXX

Product:
 then XXXX and finally the "" supervisor '' XXXX XXXX. They stated that no letter would be sent until I gave them access to my bank account and they had taken the first payment. This was after ( cont. )"


Date_received: 09/13/2015
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: FTC
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 10/07/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
Phone XXXX XXXX Acct. # XXXX XXXX for a payoff amount for an old car loan ; number shown on credit report is Allied Fin ( XXXX from XXXX XXXX XXXX. Each time I speak with someone at that number, the person on the other line can not verify the account. I challenged XXXX to verify the account, which they respond to say it was verified. When I ask for the number they used, it is the same number to Allied Fin., but when I call Allied Fin., they can not locate the account.


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: Bank of America
State: TX
ZIP_code: 775XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We are representing a client who had a divorce and both him and ex-wife moved out of our home and town. Due to the expense burdens of the divorce he got behind on loan payments and looked for help on a modification. Our client does not speak good english and also the complicated process was not explained properly to him. Once the modification took place he listed his property for lease with our firm in an effort to generate funds to pay the debt. After several month of no luck on getting a tenant and the draining expenses procured due to the divorce he began getting behind on my mortgage payments and on XXXX fees. At this point we advise to put the property for for sale. We requested Bank of America for a payoff statement and they supplied XXXX on XXXX/XXXX/16 which showed a balance of of {$180000.00} good through XXXX/XXXX/16 and based on this information provided by Bank of America we listed the property for sale on XXXX/XXXX/16 for {$220000.00} estimating there would be enough funds to payoff his loan and the XXXX fees he was behind on. Within a month we received an offer for {$220000.00}, contracted under normal for sale circumstances and 2 weeks prior closing date the title company received results of their title search and discovered a HUD lien of the house of {$52000.00}. This was a complete shock both to the owner and to our firm. We immediately contacted bank of America and requested to initiate a short sale, at which point the file manager, XXXX XXXX, stated that he needed to request to be removed from the modification and that only after we got confirmation this was completed we could request to initiate a short sale. We explained to XXXX XXXX that we had a contract, that he was over 3 month behind on payments, and that the property was vacant. She stated this qualified the property under the waterfall procedures and were able to initiate and request an expedited short sale process. Once we received the HUD Approval letter to participate in a short sale we immediately submitted the offer and the seller closing disclosure to the short sale negotiator XXXX XXXX and her supervisor XXXX XXXX. After review began requesting we remove fees from the closing disclosure that were part of the enforceable contract and that are also a sellers costs only, further they requested the buyer closing disclosure. We informed them that their requests were not only against TRID guidelines but also implied we re-negotiated an already agreed upon and enforceable contract. We requested they submit the file as is for HUD to perform a variance review. For almost 2 weeks we went bank and forth on this with them only coming down on a couple of the requests but yet these were requests that the buyer to pay seller fees such as recording fees and title fees, which would clearly not be allowed by their lender. Today they threatened to decline the file if we do not remove the fees. We pointed out that they are getting over their requested net and that they will be forcing a home owner into foreclosure if they can not bully a buyer to pay their fees to make them more money. We showed them that their net even after paying all these fees is {$190000.00} which the file clearly can qualify for a HUD variance review and they will still receive over their requested minimum net of {$190000.00} to cover the bank of America payoff of {$140000.00} and the HUD lien of {$52000.00}. Yet XXXX and XXXX XXXX refuse to submit the file to HUD and XXXX XXXX now has threatened to decline the file if by XXXX XXXX the buyer does not accept to pay for these fees.


Date_received: 04/13/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Simon’s Agency, Inc
State: NJ
ZIP_code: 087XX
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 emailed Simon 's agency inc asking for a detailed explanation of a bill they have in my name and when/where the charges incurred. I have not heard back from them. They are reporting to credit bureau and I have NOT sent me a letter or any information as to what this is about. I had a lot of problems as a result of a messy divorce and an ex roommate. I am thinking this has something to do with XXXX of those XXXX situations. I came out of treatment for XXXX a few years ago so I had moved to NY temporarily to be treated at XXXX XXXX XXXX XXXX. I have an ID card from the hospital as proof. I would like this removed from my credit right away until I am given the info requested so it can be resolved.


Date_received: 06/24/2015
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: sell
Complaint_ID: Yes
Consumer_narrative:
I signed loan documents with Right Start Mortgage, Inc. (RSM) in XX/XX/2015 - refinancing.  The XXXX Payment Letter indicates that I should make the payment to RSM on XX/XX/2015.  The Servicing Disclosure Statement states: "we may assign


Complaint_ID: Yes
Date_received:
On XX/XX/2015 I called RSM at XXXX to confirm whether or not my loan was truly transferred from them XXXX - they could not locate my loan #; they could identify me by my SSN


Date_received: • Her Supervisor
Complaint_ID: Yes
Product:
 Person #XXXX - told me that I called the wrong number and should be calling their corporate office at XXXX.  When I told her that that's exactly the same number that I dialed


Subproduct: of course
Issue: if I would call the same number on that letter
Subissue: they would confirm. I need a confirmation from RSM that they transferred
Company_public_response: I get charged). What I explained to Person #XXXX is based on what she told me
Complaint_ID: Yes
Date_received:
•	Then Person #XXXX picked-up - I had to explain the same situation to her and asked to talk her Supervisor. Person #XXXX advised me that I should wait for couple of more days and call back because the loan is new and probably did not get booked in their system yet. Then I asked how long does it usually take to book the loan - her response was XXXX days.  So I told her that there is no point for me to wait.  I need a confirmation that my loan was truly transferred and asked to speak her supervisor again. After putting me on hold

Product:
 Person #XXXX  came back telling me that she spoke to her Supervisor and there is no point to transfer me to her as she will tell me the same thing - this time is to call XXXX and confirm whether or not my loan was transferred to them.  As I explained to Person #XXXX  - what if I received a letter from a fraudulent mortgage company claiming that they purchased my loan

Consumer_narrative:
 before I make my payment and call my Hazard Insurance company requesting a change (every time I change

Company:
 RSM's Call Center has no idea where my loan is. I also advised her that I will filing this complaint today. The only reason why I believe that most likely XXXX is my new servicer and is not a fake company is because it was in the news recently


Product: Company believes complaint represents an opportunity for improvement to better serve consumers
Subproduct: Right Start Mortgage, Inc.
Issue: CA
Subissue: 916XX
Company_public_response: Consent provided
Company: Web
State: 06/24/2015
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I believe RSM owes me a disclosure informing me that the loan has been officially transferred for my documentation purposes."


Date_received: 06/18/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Settlement process and costs
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Freedom Mortgage
State: NC
ZIP_code: 285XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Freedom Mortgage has been jerking us around for almost a year. They claim to have not recieved paperwork 4,5 and 6 times over, then they claim paperwork is outdated and needs to be resubmitted. The only reason any paperwork has ever been outdate is because freedom has waited around for it to expire so they have another excuse not to stall our short sale request. Its pretty clear at this point that they just dont want to let us continue with the sale of our home. We have submitted every single paper requested over and over again and its never enough.


Date_received: 05/23/2015
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: FDIC
State: CA
ZIP_code: 953XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2015
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I got a copy of my credit report an learned that a collection agency has the same debt listed on it XXXX with different account numbers and different amounts and more than what I actually owe the creditor I did business with. The debt is for an old utility account I that closed and I did not get in the final bill in the mail because I moved. I called the collection agency and they said they would investigate my concern about them listing the same bill XXXX and get back to me however they never did. I went to the utility company for the original bill and paid it in full and I want the collection agency to correct their reporting on all XXXX of my credit reports.


Date_received: 05/12/2015
Product: Payday loan
Subproduct: Payday loan
Issue: Can't contact lender
Subissue: Can't contact lender
Company: FTC
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My place of employment received another phone call from Concord Resolution after being told not to call them so I called Concord Resolutions and spoke to XXXX XXXX XXXX. He stated that I took out a payday loan a few years ago but did n't say who the loan was with, how much I supposedly owe and after asking him to send me correspondence in the mail about the loan, he refused saying that there was no need to do so.


Complaint_ID: No
Date_received:
4. My insurance and I have already paid them about {$1600.00} Instead of providing us the requested info Simon 's Agency reported this amount to credit bureaus XXXX as " unpaid '' and "" collection '' in an attempt to damage my credit report. When I wrote back to them they informed me that they have reported the account as disputed. However


Subproduct: Capital One
Issue: NY
Subissue: 112XX
Company_public_response: Consent provided
Company: Web
State: 05/08/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
The charge appeared on my account and I continued to pay my bill. Come XXXX XXXX, 2016 and I signed into my account only to see the charge duplicated. I filed a fraud investi- gation. Capital One gave a temporary claim adjustment but latter old me that there was no fraud, I ask for their investigative report but they have not given me any proof only all indications that it if in my statement as a charge which I will unfairly have to pay next billing cycle.


Date_received: 04/06/2015
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: FTC
State: TN
ZIP_code: 381XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
NO NO I DONT KNOW WHY THESE PEOPLE BE CALLING ME. I WORK TO MUCH FOR THIS TO BE MINE. I SENT A LETTER STATING THAT THEY NEED TO STOP HARASSING ME AND STOP REPORTING LIES ON MY CREDIT.


Date_received: 06/24/2015
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: FTC
State: CO
ZIP_code: 805XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/24/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
We have been making payments for a debt to a company called RJM Acquisitions. Today we received a call from XXXX XXXX, another debt collection agency, claiming they are the actual owners of the debt and that they are suing my husband for nonpayment. We now have to figure out who actually owns this debt and how we recover the fact that we have already paid a debt to a possible scam artist- all while being sued for this very old debt.


Date_received: 04/07/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company: FTC
State: KY
ZIP_code: 410XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/09/2015
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
Received several harassing phone calls from persons saying they work for Concord Resolutions , Inc in XXXX NY ; however they gave a number unrecognized by XXXX XXXX or XXXX for me to call back. Caller stated that they had a client who named me as a person of interest in a legal matter. So I called back and they stated I owed a payday loan from XXXX 2013 from XXXX that was sold to their client XXXX in XXXX 2013. I asked why did it take so long and the representative stated because they tried to resolve the matter and I never responded. I have always responded to any debt I have. Apparently they called my brother and my mother ( I never give out their information nor list them on anything ) so that is a red flag. But the person stated they are going to garnish my wages if I do not make arrangements with them within 48 hours. If no response then they would send it for further legal action to be completed including jail time.


Date_received: 07/14/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: FTC
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/22/2015
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
Several collection agencies such as XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), Concord Resolution ( XXXX ), keep contacting my cellphone, work phone and even my employer 's number claiming i have an unpaid online payday loan. I asked for proof but never got any in the mail or email. They know all my personal information and tried to charge {$480.00} from my bank account as settlement. Fortunately, I was able to put a stop payment on it.


Date_received: 04/09/2015
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
Submitted_via: FTC
Date_sent_to_company: IN
Company_response: 470XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
I revived a call from HFS PreTrial Services Division. THey stated that a debt from XXXX XXXX in 2009 was needed to be collected. She then stated that not paying this debt would result them forwarding my case and having me arrested. I asked if I would be arrested by her, and she stated no, " but not paying this today would result me being held on a {$5000.00} cash bond and serving jail time. '' I then asked if I could call her back and she refused. She stated it has to be taken care of now

Company_public_response:
 and saying that she implied she was denying me the right of validating my debt. She then went saying that her client felt that I committed check fraud

Company:
 and by not paying back my debt was not helping me out. She still refused to allow me to contact her later. I spoke to her supervisor and the reviewed the tapes. The supervisor stated she did nothing wrong

State:
 because she said she would not take me to jail. I fell like as a consumer my rights were completely violated."


Product: Company chooses not to provide a public response
Subproduct: Bank of America
Issue: NY
Subissue: 112XX
Company_public_response: Consent provided
Company: Web
State: 06/18/2015
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
If the check was fraud how can they credit the amount XXXX. The amount should be made available only when they have verified the check. I was under the impression that since the amount is cleared and credited in my account, the check is genuine. And after 5 days they verify it.


Date_received: 04/30/2015
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker
ZIP_code: Finance of America Mortgage LLC
Submitted_via: CA
Date_sent_to_company: 907XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/04/2015
Consumer_narrative:
I was approved for a loan and received the good faith estimate. The loan terms subsequently changed XXXX days before the close, but we were past the scheduled close date, my seller was anxious, and my family was staying in a hotel because our house had been sold, we continued to close. We completed the soft close at the escrow company on XXXX XXXX, 2015, and the final close was supposed to be completed on XXXX XXXX XXXX. PMAC lending services failed to fund the loan at this time. They claimed that they were waiting for receipt of an IRS transcript. This document was subsequently received but they still have n't funded the loan. I have been strung along for over a month with excuses and as of yesterday, I learned that they has decided not to fund the loan because they are having difficulty selling the loan. It seems that they have been " stalling '' on the loan close while they tried to sell my loan. It seems that the investor originally slated to purchase the loan decided they did n't like the property for their portfolio ( XXXX condo )

Company_public_response:
 even though this has been known since the appraisal in XXXX. The property appraised above the purchase price and my 20 % down money is fully documented. My seller is obviously as frustrated as I am

Company:
 and I am now forced to close on a inferior loan immediately because my seller has run out of patience. I will be forced to pay extra finance charges until I can complete a refi which most companies require a XXXX wait period after loan close. I am looking for information on specific protections in place to protect against fraudulent behavior like this."


Date_received: 07/31/2015
Product: Debt collection
Subproduct: I do not know
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company: FTC
State: GA
ZIP_code: 301XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 08/10/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
These people are calling saying they are from ADR Arbitration Group in New York and if I do not pay or contact them back within 24 hours they will have me prosecuted to the fullest extent of the law.


Date_received: 05/14/2015
Product: Debt collection
Subproduct: Medical
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: as I believed I had paid all my medical bills
Complaint_ID: Yes
Consumer_narrative:
First off, I could not find an appropriate description of my problem in the drop down menu for the question : " Which of these best describes your issue? "" In XXXX I started to receive calls from a Simon Agency for unpaid medical debt since XXXX that I was not aware I had. After several conversations with them clarifying what they are asking for


Product: others for {$18.00}
Issue: I visited the same hospital and all the work was done within this XXXX hospital
Complaint_ID: Yes
Date_received:
I just realized today that this XXXX delinquent medical bill I paid in full in XXXX XXXX has been reported as XXXX different delinquent accounts some of which for {$30.00}

Subproduct:
 etc - all broken up. I spoke with this Simon agency today and they claim that these charges are for different doctor visits and therefore reported as separate accounts. However


Date_received: 06/17/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: IL
ZIP_code: 604XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Bank of America has close my account that I had open since XX/XX/XXXX saying thatMy report from XXXX reads as such : XXXX Il XXXX XXXX XX/XX/XXXX $ -no amount showing or what your report states Transacting or attempting to transact, with a check in a fraudulent Manner, including but not limited to the passing or depositing of Forged, altered, closed account, stolen, counterfeit check, or Non-negotiable item ; the kiting of checks, drawing against insufficient Or uncollected funds, empty envelope ATM deposits, or keying errors.


Date_received: 06/07/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: NY
ZIP_code: 133XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/07/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have been working with Transunion for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. There is an XXXX account that XXXX deleted because they couldnt find evidence that the account was mine so why wont Transunion? This goes back to me feeling like the bureaus are all reporting the same information and its confusing to me.


Date_received: I had written through the CFPB before
Subissue: and it 's how we transfer money to each other for bills
Company_public_response: when it could have. 3. XXXX
Company: who I spoke with approx. XXXX. PT on XXXX/XXXX/2016
ZIP_code: email or USPS mail only."
Submitted_via: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date_sent_to_company: Bank of America
Company_response: NV
Timely_response: 891XX
Complaint_ID: Consent provided
Product:
 and spoke and received letters from BOA executive office and NO ONE offered me the core account. NO ONE! This would have been a very easy fix as I already had direct deposit anyway!!! I am so mad that all I received was explanations and copies of my CM agreement

Subproduct:
 but no one even in the executive office bothered to offer to change my account to the core account. NOW

Issue:
 I would like my account reopened and changed to the "" core account. '' I am happy to reset my direct deposit. The ONLY reason I am even willing to want an account with BOA is because both of my sons and a friend also have BOA accounts

Consumer_narrative:
 etc. 1. Please reopen the account as a "" core account. '' 2. I would like an apology from EVERYONE who had anything to do with my prior complaints who did n't even BOTHER to see if my account could be changed

State:
 commended for great customer service and some knowledge about the accounts. Maybe she should be in the executive office! Please


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: Afni, Inc.
State: SC
ZIP_code: 299XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 06/10/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Application, originator, mortgage broker
Company_public_response: HUD
Company: Countrywide and B 0f A
State: only to be denied options to avoid this and force them to act. instead
Submitted_via: California. XXXX )"
Date_sent_to_company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company_response: Bank of America
Timely_response: CA
Consumer_disputed: 956XX
Consumer_narrative:
I filed a chapter XXXX in and was discharged in XXXX. I did not re- affirm my mortgage. I can apply for a FHA loan but not a conventional loan. after the crash of the market i filed a BK XXXX this should have been a " fresh start ''. I am being haunted by B of A who took almost 8 years to foreclose the property because the banking institution did not want to flood the market with foreclosures. They decide to finally foreclose in XXXX and my clock has started over and now the foreclosure has been freshly added to my credit reporting agencies. During the 8 years i reached out to

ZIP_code:
 now i can not recover for 14 years from my chapter XXXX and start over. please guide me. i am exhausted of fighting this on my own. i am a victim of big banks serving themselves. ( Please be advised that my noted address is not the address in question. the property address in concern is XXXX


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: VA
Subissue: 235XX
Company_public_response: Consent provided
Company: Web
State: 06/04/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
2. I am trying to pay my home loan off early by making extra payments, after my required monthly payment is made, in order to pay down the principal, but BoA consistently applies part of the extra payment to future interest obligations against my wishes -- months in advance, so they can extend the life of the loan and reap more profit. They have never responded adequately to my protests re this and seem to act like they do n't understand what the issue is.


Date_received: 1. The "" Type of Account '' says NA
Subproduct: please verify its Status/Major Delinquency date 5. Because this account has no Balance History
Issue: please verify its Status/Major Delinquency date 6. This account has no Activity Designator
Subissue: and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX
Consumer_narrative: and this field is blank
Complaint_ID: Yes
Product:
 and should be "" Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: CMRE Financial Services, Inc.
State: TX
ZIP_code: 775XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The debt was paid late by my insurance but it was due to the fact that the doctors office in question submitted the claim incorrectly multiple times. My insurance contacted the doctors office and let them know as well. I was in contact with my insurance the entire time. My original date of service was XX/XX/2015.There are XXXX entries for this XXXX date of service on my insurance site. The doctors office turned me over to a collection agency that wanted to hear nothing but when I was going to pay a bill I did not owe. They have since reported this on my credit and I am in the process of trying to buy a house.


Date_received: 05/08/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Portfolio Recovery Associates, Inc.
State: CT
ZIP_code: 065XX
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:
The debt was paid by electronic transfer but the creditor never acknowledged receipt of the payment and turned it over to a collection agency who has called my cell phone repeatedly even when told to stop.


Product: with a sale date of XXXX XXXX
Subproduct: 2016."
Issue: Company believes it acted appropriately as authorized by contract or law
Subissue: PHH Mortgage
Consumer_narrative: SC
Company_public_response: 299XX
State: Consent provided
ZIP_code: Web
Submitted_via: 05/03/2016
Date_sent_to_company: Closed with non-monetary relief
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Date_received:
There was no response to the loan modification request. On XXXX/XXXX/16, I received a " Notice of Sale '' for my property


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Credit Service Company, INC
State: MN
ZIP_code: 553XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Received multiple calls asking for a person that I do not know. I have told the company to stop calling me and leaving me messages but they continue to do so.


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: 941XX
Company_public_response: Consent provided
Company: Web
State: 06/21/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
We are extremely disappointed with BofA 's handling of our application. Had we been informed from the beginning that BofA would ultimately have the same problem that each other lender has had, we would not have wasted so much time, energy and expenses in trying to push this forward. The entire process could have been halted many times. Instead, we were promised in no uncertain terms that the documentation provided to date was satisfactory ( we had even had my wife 's graduate school revise language of an existing letter at BofA 's request to satisfy concerns by the underwriter ) and that the underwriter would have no issue with including my wife 's income and approving the loan in time for a XXXX XXXX closing. As such, we demanded reimbursement of the expenses ( i.e., appraisal and HOA certification fee ) that we incurred during the course of the process. BofA agreed to reimburse the appraisal, but because the HOA certificate fee was not paid directly to them, they could not reimburse the amount. This is despite the fact that we were told by BofA that we needed to order the HOA certificate in order to process our application as soon as possible, and were immediately urged to have it ordered on an expedited basis ( which added additional fees ). Altogether, the unnecessary HOA certificate order fee came out to {$300.00}.


Complaint_ID: Yes
Date_received:
The repayment schedule ( see attached ) is more proof that the original loan amount was {$3300.00} and NOT {$6600.00} XX/XX/XXXX, I was advised that my loan was outsourced to AES ( American Education Services ). I did n't think anything could get worse, but it did. AES doubled my payment from {$56.00} to {$110.00}. XXXX with no warning. I called AES and I was told that I would have to pay {$110.00} until the loan is payed off in the year XX/XX/XXXX. The representative also stated that they had to go back and review all of my payment history, and determined that they had to " double my loan in order to make sure I had it paid off in the agreed amount of time ''. That is when I realized something was truly wrong. This was the turning point for me

Product:
 and I demanded my promisary note and proof of payments made since XX/XX/XXXX ( see attached ). AES continued to send me a bunch of nonsense regarding a "" deferment '' and a "" forbearance '' on my loan ... none of which I initiated. XX/XX/XXXX

Subproduct:
 AES finally sends me a letter advising my of an increased rate. ( A little too late ) I called AES several times to resolve this issue


Date_received: I decided the best thing to do was to cash in my XXXX and pay off this loan
Product: so that I could dispute it. I did not want to dispute this loan while still open
Issue: along with the paid in full letter. If my calculations are correct
Subissue: I have overpayed on this loan by close to {$9000.00}."
Company_public_response: AES/PHEAA
Company: FL
State: 335XX
Submitted_via: Consent provided
Date_sent_to_company: Web
Company_response: 04/24/2016
Timely_response: Closed with explanation
Consumer_disputed: Yes
Complaint_ID: Yes
Subproduct:
 because I do not trust AES. The fact they admitted that they "" reviewed my payment history '' ..clearly they saw something wrong! Instead of doing the right thing ... AES went along with it and got greedy and doubled my payments. I hold AES even more responsible for this mess than XXXX XXXX. I have attached proof of payment


Date_received: 06/16/2016
Product: Credit card
Issue: Forbearance / Workout plans
Company: from at least this year but really from XXXX when I first contacted them for a new arrangement."
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Synchrony Financial
Submitted_via: NY
Date_sent_to_company: 125XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 06/20/2016
Consumer_narrative:
I had a dental procedure in XXXX of XXXX and was given Care Credit as an option to pay the {$3200.00}. I was quite out of it XXXX. I realize now that I should not have agreed to any financial plans while fuzzy. However the dental office staff did n't give me much info and made it seem like a very standard way to pay. I was offered either a no interest plan if paid by a certain date and a fixed payment plan with interest. I 'm not even sure which plan I chose. Probably the one with the lower payment as I was financially strapped after a lay off. I 'm not sure if I signed anything. My monthly payment started at $ XXXX/mth and soon went up to $ XXXX/mth. I lost another job soon after the this but kept up with payments while receiving unemployment. Since that time I have become unable to work and have no income. My family income is down as well due to the poor economy. I have applied for XXXX but that could take a year or more. By his time GE Capital/Care Credit had changed to XXXX Bank and then to Synchrony Bank.I asked them repeatedly throughout XXXX - XXXX to modify my payments ( lower monthly payments with longer term ). I was told nothing could be done. I kept up with payments until XXXX of this year then started falling behind. Then this XXXX of this year during XXXX of the multiple daily calls from them I mentioned that if I went bankrupt they might not get anything. Suddenly I was transferred to a department who told me " they would "" be happy to work out a payment plan for me. '' I was offered a new arrangement of $ XXXX/month with no interest and removal of all late fees. I said that would be great but they said I had to accept the new plan over the phone right then. I said I needed something in writing. ( They had been somewhat deceptive so far ) I was told I could only get something in writing AFTER I accepted the new plan. ( What kind of business practice is that??? ) I said "" just send me an email with a few bullets descibing the new arrangement. '' They would not. I did n't know what to do. They gave my account over to a collection firm who have been relentless in calling me day and night

Company_public_response:
 Sundays and holidays. Finally I thought maybe if I speak to the collection firm ( XXXX ) they may be able to offer me a payment plan AND give me something in writing. So I called them. They were able to offer me a plan that sounded similar - $ XXXX/mth for 48 mnths. This sounded OK until I did the math. If I make 48 payments of {$37.00} it equals {$1700.00}. My XXXX statement shows my new balance to be {$1600.00} ( which I believe includes interest and late fees ) and my promotional balance to be $ {$1300.00}. I just want to make a payment plan that is fair to payoff this debt ; {$25.00} - {$35.00} per month that adds up to a fair amount that I owe them with no interest and removal of interest and late fees as promised


Date_received: 06/07/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: SquareTwo Financial Corporation
State: NC
ZIP_code: 275XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
CACH is reporting that I have an outstanding balance owed to XXXX Lending for {$11000.00}. I have contacted CACH to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that XXXX received. So far, CACH has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for CACH not to supply it, upon request.


Date_received: 05/07/2016
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: FL
ZIP_code: 342XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I found out from XXXX and experian and XXXX that this company had me signed up for services since XX/XX/XXXX-XX/XX/XXXX which is suppose to be owned by Experian they have ruined my life for the last 8 years I ca n't even get a credit card mortgage auto utilities etc I have severe health issues and the emotional damage they have caused me and my XXXX kids is indescribable and we have been hungry poor sick homeless helpless also in dangerous situations


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Regions Financial Corporation
Issue: MS
Subissue: 391XX
Company_public_response: Consent provided
Company: Web
State: 06/21/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have been a Regions customer for approximately 40 years and have never had this problem from them. I am seeking your assistance for my {$1000.00} that Regions misplaced/lost.


