# complaints

Subproduct: JPMorgan Chase & Co.
Issue: IL
Subissue: 604XX
Company_public_response: Consent provided
Company: Web
State: 04/28/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
When I checked my account the next day XX/XX/XXXX, the amount had been debited again causing an overdraft, and there was no record of the pre- vious debit or credit from the night before. I called the bank again, and the customer service rep transferred the call to the claims dept, and there wa no record of what had transpired, and I was told that we had to wait 15 days to see the money credited again. I asked for a manager, and was put on hold and then told I had to call back tomorrow. I asked for the address to write to the dept manager, and was told that they were in XXXX .... My concern is that there was no record of what transpired the day before, and this is a large financial institution.


Date_received: 05/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: '' or beneficiary
Submitted_via: HSBC restructured my loan. They
Date_sent_to_company: however
Company_response: never informed me that my loan account was being restructured. In the end
Complaint_ID: HSBC performed a foreclosure on my home."
Consumer_narrative:
On XXXX XXXX, XXXX, I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX for {$160000.00}. The loan was evidenced by a Security Deed, '' naming XXXX as the " Lender '' and XXXX as the "" grantee

Company:
 of record acting solely as nominee for same. The Loan was one of those Adjustable Rate Mortgages ( ARM ). I did n't want this kind of loan I had good credit but was told at the time that I could be put in a fixed loan at a later time. On or about XXXX XXXX

State:
 XXXX my loan account was transferred to HSBC. My monthly note kept getting higher and higher until I was having trouble making the payments. I reached out to HSBC and requested a loan modification. Their representative told me that I did not qualify for a modification unless my loan account was in default. Up until this time my loan account had never ever been behind. So HSBC had me pay a forbearance XXXX XXXX XXXX ) for months under the pretense of giving me a loan modification. I in turn

ZIP_code:
 made each and every payment as agreed. Instead of the loan modification that we initially agreed upon

Timely_response:
 I still could not afford to meet the obligation. When I had gotten behind on my payments and finally sent the payments in

Consumer_disputed:
 the payments were returned to me. I called and talked to various HSBC staff as to why my payments were being returned and because it was at this time I discovered that what I had been given was a restructuring of my loan and not a modification. Well nobody would help me. I did n't agree to a restructuring of my loan account but was lead to believe that what I was getting from HSBC was a loan modification. In XXXX XXXX


Subproduct: Discover
Issue: WI
Subissue: 537XX
Company_public_response: Consent provided
Company: Web
State: 05/02/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I also called back a few more times to try and escalate the situation but this came with no positive results. Every manager that I spoke with did not seem to understand the severity of unnecessarily pulling a consumers credit for loans that they disclose as not even possible.


Date_received: 05/03/2016
Product: Credit card
Issue: Other
Company: Discover
State: UT
ZIP_code: 840XX
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 telemarketing company call on XXXX 2014 from a merchant that called itself XXXX .when i received no goods or services i called my discover card only to find out they would not help me.i explained to them i was rendered no service they proceeded to tell me i was outside the time frame to dispute.i argued with them that i received nothing, but it did not seem to matter.


Date_received: 05/05/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: JPMorgan Chase & Co.
State: VA
ZIP_code: 201XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Chase used to have an online option that allowed customers to schedule bi-weekly payments. They no longer offer that option. If I just pay the amount due every month on time, it takes 30 years and I pay approx. {$260000.00} in interest ( $ XXXX loan ). If they allowed me to make bi-weekly payments, I pay off the mortgage in 25 years and only pay {$210000.00} in interest. I pay the exact same amount every month, just more frequently. That saves me money. That 's why Chase does n't allow me to do it. That should not be allowed.


Date_received: 05/06/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: OH
ZIP_code: 450XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
When I enter my personal information to receive my credit report, I am told that there is an error with my social security number and that my information does n't match any of your records. I am certain that all of my information is correct.


Complaint_ID: Yes
Date_received:
I have disputed this account information as inaccurate with Equifax , XXXX and XXXX have came back to me and stated they were able to verify these inaccurate accounts. How is this possible? Under the laws of the FDCPA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my a valid debt, they could not even locate the last statement from XXXX and still have not sent any validation that I owe anything. How is possible that Equifax can state that this account is accurate when the creditor themselves can not? Even though the Fair Credit Reporting Act allows a " disputed '' notation to appear on my credit reports

Product:
 there is no reason to accept that notation if the creditor can not prove I owe the debt without proper validation documents. The XXXX ( XXXX ) account was converted to XXXX and I did not receive any notification nor was I given anything to opt out


Subproduct: Equifax
Issue: CA
Subissue: 927XX
Company_public_response: Consent provided
Company: Web
State: 04/17/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX .... Account Number : XXXX ... ... Never Paid Late/Please see XXXX 2016 Statement XXXX XXXX .... Account Number : XXXX ... ... Update to show paid as agreed/closed/ Please see Letters from XXXX showing account paid and letter agreed to show "" paid as agreed '' XXXX XXXX ... Account Number : XXXX ... ... Not My Account/Removal Letter attached from XXXX Directly Former Address Removal : ... ... ... Never Lived at that addres"


Date_received: 04/20/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Company: Navient Solutions, Inc.
State: VA
ZIP_code: 235XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have contacted Navient in regards to lowing the amount to allow me to repay my student loans. I only make {$40000.00} which then taxes, health insurance, and child care is then deducted. The only payment that they are seeking is XXXX per month and this does not include my federal loans. I am unsure what I should do next.


Date_received: 05/03/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: IN
ZIP_code: 460XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The property located at XXXX XXXX XXXX in XXXX, IN XXXX has been in foreclosure for well over 1 year. The property has not been maintained by anyone. Windows are broken, there are holes in the siding, the fence is falling down, there are multiple dead trees, and all the neighbors have to chip in to keep the yard mowed and the weeds at bay. The result has been a significant eye sore in neighborhood that has resulted in people leaving the neighborhood, and difficulty in attracting new home buyers. The HOA fees have not been paid in several years and this property has become a large burden on the neighborhood.


Subproduct: JPMorgan Chase & Co.
Issue: NY
Subissue: 100XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have gone to my local branch several times to get something notarized. They did not have a notary. IF my brother comes here and we go to the branch together, if they do n't have a notary, they ca n't process the form. There has got to be another way to get this completed.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked Commonwealth Financial to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Capital One
State: IL
ZIP_code: 605XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I know I owe {$250.00} to Kohl 's department store. I keep getting phone calls ever since I missed my first payment. I have expressed to them that I still have not had a shift so I can be able to pay off my debt. I 'm always told at the end of the phone call that my situation is documented, but I keep getting called every day and asked the same questions over and over again.


Date_received: 05/12/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company: Comerica
State: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016 I contacted my bank to inform them of a double charge on my card and I know that the Federal requirement that says the bank must provide a refund if the investigation takes longer than 10 has come and gone. I have yet recieved my refund.


Date_received: 05/02/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Encore Capital Group
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This company has been harassing me about a credit Card debt form XXXX XXXX Bank that is not mine. I 've asked them several times to verify that I owe this debt, and they have failed to do so. On my credit report it states that I owe XXXX under XXXX and under Midland funding who is the collection agency for XXXX it states that I owe {$800.00}. This is not my debt and this is unfair that they are harassing me about a debt that does not belong to me.


Date_received: 04/26/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company: Caliber Home Loans, Inc
State: MI
ZIP_code: 491XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I filed a home modification with Caliber Home loans XXXX XXXX due to falling behind on my mortgage. I filled out the paperwork and submitted by email and fax. Several days later I call and they ca n't locate the paperwork, next time I call they have all the paperwork and the modification dept was going to review. I receive a letter stating I needed to send more information and I email the information and receive another letter not enough information- this has been ongoing for a year now. Same story they received the requested documents and then I receive a letter that they need more. I hired a lawyer and he has had the same issue with this company. Meanwhile they tell me not to send a payment because I 'm going through modification and I 'm behind. Now 8mos into this ongoing issue I am going to be faced with foreclosure because their departments mysteriously lose documents after I keep resubmitting.


Date_received: 05/02/2016
Product: Prepaid card
Subproduct: General purpose card
Issue: Unauthorized transactions/trans. issues
Company: Amex
State: AR
ZIP_code: 726XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX th my husband and I went to the ATM at XXXX XXXX in XXXX XXXX, Ar to withdraw {$500.00} from my Bliebird American Express the ATM did not dispense the money but withdrew {$500.00} off of my card. On XXXX XXXX I opened a dispute form with my XXXX AMEX I submitted documents from XXXX XXXX and XXXX that agreed with my dispute. On XXXX XXXX the denied my despute and closed the case. Stating I received {$500.00}. I reopened my dispute as of today XXXX XXXX 2016 I still have not received {$500.00} I call on a daily bases with no resolution. I have even emailed the XXXX of Bliebird AMEX on XXXX XXXX 2016 and I have yet gotten any response. XXXX. My electric and water have been shut off and have been forced to sleep on a friends couch. I have no groceries and my parents have had to feed myself and my family. {$500.00} might not matter to anyone but it 's a huge matter to me. This {$500.00} has turned into over {$1000.00} that I some how have to figure out how to pay back to people. I can be reached at XXXX XXXXXXXXXXXX please I am desperate from some help or if you are unable to help can I please be notified as well. This is embarrassing and extremely depressing. Again I can be reached at XXXX XXXXXXXXXXXX Thank you for your time XXXX XXXX I can provide all the documents that I have confirming my claim


Date_received: About an hour later
Product: I was mad and VERY frustrated. After being handed off to about XXXX different people
Subproduct: who all expected me to tell part of my Social Security number and birthday
Complaint_ID: Yes
Issue:
 I felt violated. The last couple of people sounded like they were foreign and could n't hear or understand half of what I was saying. After listening to the waiting music for the umpteenth time


Date_received: An employee at the store
Product: who could hear everything I had been saying
Issue: I do n't want to do that again. Apparently
Complaint_ID: Yes
Subproduct:
 told me that a woman had recently complained about the exact same thing and that most of her fees had been dropped. She suggested I try again - but my composure was so completely shattered


Date_received: From what I was told
Product: I made a purchase in XXXX
Subproduct: 2015
Complaint_ID: Yes
Issue:
 for {$40.00}. XXXX of the people on the phone asserted that I was sent emails to alert me that payments were due

Subissue:
 but I never received those - and nobody would tell me what email address was used. I checked the available ones that might have been used


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: SC
Subissue: 296XX
Company_public_response: Consent provided
Company: Web
State: 04/24/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I had requested a letter with the current account balance - with itemized fees - and when they were added. There has been no response yet about this."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of the West
Issue: CA
Subissue: 948XX
Company_public_response: Consent provided
Company: Web
State: 04/18/2016
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
THIS BEGAN THURSDAY XXXX XXXX AS A MERCHANT REQUEST FOR PAYMENT CAME IN FOR IN WHICH THE BANK PAID AND CHARGED THE {$35.00} INS.FUNDS FEE THIS MADE MY ACCOUNT BALANCE A NEGATIVE - {$8.00}. EARLY FRIDAY MORNING I MADE A CASH DEPOSIT FOR XXXX DOLLARS THIS BROUGHT MY ACCOUNT IN THE POSITIVE TO {$XXXX, LATER THAT MORNING VIA ONLINE BANKING I CHECKED MY ACCOUNT BALANCE IT WENT FROM XXXX TO. {$160.00} MISSING {$35.00} dollars. ADDITIONALLY THE BANK CHARGED MY ACCOUNT A MONTHLY SERVICE CHARGE FEE OF {$8.00} BUT I HAVE A NO INTEREST EARNINGS CHECKING ACCOUNT WITH NO MONTHLY SERVICE FEE CHARGES. AND CUSTOMER SERVICE REPRESENTATIVE WOULD NOT EMAIL OR US POSTAL MAIL SEND ME A CLAIM FORM FOR THIS ISSUE, THANK YOU.


Date_received: 04/09/2016
Product: Credit card
Issue: Other
Company_public_response: a charge off canceled debt with {$0.00} balance."
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Bank of America
ZIP_code: RI
Submitted_via: 028XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 04/11/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
* I have created a new login because I am trying to dispute response from Bank of America in case number XXXX. My phone calls were never returned from XXXX XXXX at XXXX extention XXXX. Was on vacation until XXXX/XXXX/XXXX then given another extension XXXX, I left message and never received a call back. No one is returning my calls. I have notified my lawyer also with the response on this dispute. Bank of America is claiming I am still liable for this debt even though the XXXX reads " Total debt is discharged with an Indentifiable Code : XXXX "" which means the debt has been canceled. I have filed that XXXX with my XXXX IRS filing and paid back taxes on that debt already. I need to know specifically what documentation they need to fix this matter. I also want this dispute forwarded to a manager/supervisor along with direct phone number and fax number to call back and get a live person and not a voice mail. My lawyer has a copy of everything I have forwarded to you and I should be hearing back from my lawyer the next few days also. My credit reports are now back showing "" delinquency "". I have filed and paid taxes on this "" discharged debt ''. This account once again should be closed


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Indicated committed crime not paying
ZIP_code: Fifth Third Financial Corporation
Submitted_via: OH
Date_sent_to_company: 432XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/27/2016
Consumer_narrative:
I was originally contact by a blocked number on XXXX/XXXX/16 who advised me I was being summons and to give them my updated address when I refused he advised I needed to call XXXX XXXX law firm, to discuss matter. When I called I spoke with " XXXX '' who stated I owed XXXX for a 5/3 account that originally had a balance of XXXX but he is asking for XXXX. When I asked for more information on who they were he immediately got rude with me. He stated I 'm not a collection agent I 'm a lawyer. He never provided me the attempt to collect a date verbiage. At this point I was fearful and under extreme duress. He stated this is a criminal offense and if you do n't pay today we will see you in court!. At this point I begin to feel threatened and uncomfortable with the situation. He than told me to find some resources and call him at his personal line which was XXXX. After I got off the line with him I contacted 5/3 bank who stated they had no clue who this company was but advised me the debt was only XXXX and was sold to another company .. I also pulled my credit

Company_public_response:
 and I noticed that my credit was pulled on XXXX/XXXX/2016 by them. After making numerous calls to different companies I received XXXX voicemails today from this said XXXX at XXXX legal again harassing me saying he is the only person that can help. As I m typing this complain I received a call from XXXX XXXX XXXX

Company:
 CA someone who stated that again this is a criminal offense because of the amount and that the charges would be dropped if I pay XXXX"


Date_received: 04/20/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: GA
ZIP_code: 301XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My wife and I filed a Chapter XXXX because we had received a foreclosure notice in XXXX XXXX. The Chapter XXXX was discharged in XXXX of XXXX. I recently went to pruchase a home and the realtor said that the county records show that Bank of America transferred the deed out of my name to their bank in XXXX of XXXX. So because of the lending laws, I am unable to get a VA loan because it looks like my foreclosure is within 3 years.


Date_received: 04/28/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
State: Union Adjustment Company, Inc.
ZIP_code: CA
Submitted_via: 902XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 04/28/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
Fair Debt Collection Practices Act violations. Refusing to validate debt as required. After receiving a letter from this agency concerning an alleged debt almost a year ago account # XXXX Original XXXX Crystal XXXX XXXX. I sent a letter XXXX/XXXX/XXXX, within the 30 day period to respond as allowed by law, disputing validity of this debt and requesting Validation. To date, I have not received validation of this debt yet Union Adjustment Co is reporting an outstanding balance of {$1100.00} to the credit reporting agencies. I contacted the agency today XXXX/XXXX/XXXX to inquire as to why they are reporting this invalid debt and requested validation of they debt. The " supervisor '' who 's name I was not provided stated that validation was sent to my PO BOX after receiving my letter disputing the debt last year on XXXX/XXXX/XXXX

Company_public_response:
 certified mail and was returned "" undeliverable '' yet I still have this PO Box and receive mail daily. They will not provide any proof of sending the documentation or provide evidence of me owing this debt which violates the fair debt collection practices act. I do not owe the amount as indicated on my credit report and would like proof of what I allegedly owe. They are refusing to be of any further assistance and suggest that I get an attorney for any resolution of this issue."


Date_received: 04/30/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Submitted_via: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date_sent_to_company: Ark-La-Tex Financial Services, LLC
Company_response: KY
Timely_response: 402XX
Consumer_disputed: Older American
Complaint_ID: Consent provided
Consumer_narrative:
my father who has XXXX from a XXXX XXXX 7 years ago, was counseled to co sign a loan for his grandson. I as the daughter and a realtor was not consulted and was kept in the dark about this issue. one night my father called me regarding papers which were truth and lending. I asked " dad did you take out a loan '' he said no. after discussion I agreed to go to his bank with him and have his bank rep look at the papers. The bank rep asked my father if he was moving. He said no. next the rep stated

Company_public_response:
 XXXX XXXX. on this owner occupancy paper it says you are moving at this address. this was a document as the primary borrower. my family

Company:
 brothers and loan officer had my father sign papers which were not true. the banker asked me what I was going to do. I said if I do something

State:
 I will be disowned by my brothers but if I dont do anything my dad my get hurt if he needs credit in the future. my father is XXXX years old. my brothers are an attorney and a financial estate planner. My father has XXXX other grandchildren. I called the loan officer who stated

ZIP_code:
 yes I know you and your whole family. I replied did you not find it strange that I was not part of the conference for this loan. and I was not the realtor and this affects my fathers best interest. He replied that the grandson would not get the loan. I replied that it is my dads call and gave my father the phone. my father said he would not do this loan. All knew including the real estate agent my father has XXXX. since then I have had a flood of issues with adult abuses to my father for his money. This is why at this time I feel we need to revisit the attempt that was made to commit fraud."


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: CA
ZIP_code: 934XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Telephone bill from XXXX sent to Diversified Consultants ( DCI ) for collection while I was disputing the amount owed. I was contacted by DCI and again, I notified them the amount owed was inaccurate. Eventually, we agreed on a settlement amount which was verified/confirmed via letter from DCI stating the terms of the agreement. Payment plan was arranged and agreed upon to settle the debt in 3 monthly payments. I was told if I agreed to automatic payments, no further action would be taken. therefore I agreed to ACH debits from my account. 1st payment was submitted at time of agreement, 2nd payment withdrawn from my account one month later ; however, 1 day prior to 2nd payment being withdrawn, DCI submitted this account as a collection on my credit report, which, in effect, caused financial harm by preventing me from closing on my home which was in escrow at time of occurrence.. I have spoken with XXXX different 'managers ' at DCI whom responded they will only update the entry to 'Account in Dispute ' which of course does n't change anything and is of no benefit in rectifying this situation..


Date_received: 04/27/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Date_sent_to_company: I would love to know how a funeral could cost less than {$1000.00}
Timely_response: and the funds should have been released way before all of this run around. In the meantime
Consumer_disputed: funds were withdrawn
Complaint_ID: and my grandparents lost out on over {$200.00} because no one ever put a hold on the account
Consumer_narrative:
My mother passed away unexpectantly on XXXX XXXX. She had a checking and a savings account with Huntington Bank. My grandfather ( her father ) went to the bank and informed them of her passing. He was told that she did not have a beneficiary listed, and therefore they could not tell him any info regarding her accounts. I opened an estate, and was appointed commissioner. The judge issued a certified copy of the order to release the funds to me so that I could reimburse my grandparents for the funeral. The order stated the funds could not exceed {$1000.00}, which we knew she did not have more than that. I took the order with a copy of the death certificate to the bank in the XXXX XXXX XXXX ( XXXX, OH. ) and dealt with " manager '' XXXX. First of all

Company_public_response:
 she admitted she had no idea how to handle this situation. I feel someone in a "" higher up '' position should be familiar with dealing with these situations. People die every day. Anyway

Company:
 she called someone and sent over the paperwork. She was told at that time that I needed the original death certificate

State:
 which my attorney says is actually untrue. But I digress- Saturday I went back with the original certificate and my order again. This time

ZIP_code:
 she says she spoke with the "" supervisor of the legal dept. '' and was told that they needed to confirm the amount with the courts before releasing the funds. Now

Submitted_via:
 this order specified that the funds should not exceed {$1000.00} and that the purpose of the funds were to reimburse for funeral expenses. Honestly

Company_response:
 and why it was necessary to make me wait again. This "" supervisor '' of LEGAL should have been able to look at this order and recognize what it was


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: I.C. System, Inc.
Issue: CA
Subissue: 910XX
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: and my grandparents lost out on over {$200.00} because no one ever put a hold on the account
Date_received:
Since none of your menus above cover my situation, I chose 'communication tactics ' and ''used obscene ... ', since I have to choose something.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Financial Business and Consumer Solutions.
State: CA
ZIP_code: 935XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/2016, I was phoned at XXXX by FBCS Consumer Contact Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. FBCS is XXXX This call was not only in violation of the Federal Fair Debt Collections Practices Act, but as a California Resident, it was also in violation of California 's XXXX My carrier is XXXX, and I would be happy to supply the phone record of the incoming call at XXXX XXXX from phone number XXXX to my phone number.


Date_received: 04/16/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Managing the loan or lease
Company: Mercedes-Benz Financial Services
State: CA
ZIP_code: 907XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
Mercedes leased a car to me and they refuse to credit me with XXXX {$600.00} payment made to them through bill pay XXXX. I have send proof and more proof on six different occassions they refuse and are hurting my credit by reporting me 90 days late.


Date_received: 03/12/2016
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: TrueAccord Corp.
State: MN
ZIP_code: 553XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A payday loan from over 2 years ago from an illegal lender ( no lending license in Minnesota ) called XXXX has sold my contact information to various companies trying to extract a payment from me when I owe nothing more on this former loan. The latest company is called TrueAccord calls from XXXX, XXXX and then text me from XXXX asking me to click onto a link and make a large payment and have called me as well. I do not owe XXXX anything as they are illegal in Minnesota and I do not have to pay anything more than I already paid them 2 years ago. They are saying I suddenly owe a debt of {$1000.00} and that is absolutely not true. They are an unlicensed lender for Minnesota residents. I have had this same sort of call and threat from multiple debt collecters or scammers on behalf of XXXX many times in the last two years and have also filed complaints with the MN attorney general and the minnesota dept of commerce.


Date_received: 05/12/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Company: Amex
State: MA
ZIP_code: 021XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
My mother, XXXX XXXX, died on XXXX XXXX, 2011 and shortly after an electronic application for a credit card with American Express was submitted using her date of birth and the name XXXX XXXX. The address used was in XXXX, Massachusetts. I have not been able to obtain a copy of the electronic submission. I am the executor of the estate.


Date_received: 07/24/2015
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: their principal place of business is XXXX
Company: XXXX
State: XXXX. McCalla Raymer acting for and on the behalf of its ' clients XXXX XXXX XXXX
ZIP_code: XXXX XXXX XXXX
Company_response: their principal place of business is XXXX XXXX XXXX XXXX
Timely_response: XXXX XXXX
Consumer_disputed: XXXX
Complaint_ID: XXXX XXXXReported Lender : XXXX XXXX XXXX
Consumer_narrative:
XXXX TO CASE : Case number : XXXX Involving XXXX XXXX XXXX process attorney McCalla Raymer LLC .MCCALLA RAYMER LLC FORECLOSURE MILL ASSEMBLY LINE, McCalla Raymer , LLC ( hereinafter " McCalla Raymer '' ) is a law firm incorporated in the state of Georgia 

Submitted_via:
 XXXX XXXX and XXXX has instituted and pursued non-judicial foreclosures of Georgia Security Deeds against the property of Plaintiffs described above with full knowledge that it lacked authority to do so

Date_sent_to_company:
 and has imposed similarly illegal foreclosures upon XXXX of similarly situated residents of Georgia. Defendant continues to prosecute XXXX such foreclosures against citizens of Georgia. XXXX XXXX XXXX ( hereinafter "" XXXX '' ) conducts business as an electronic loan registry for the mortgage finance industry


Date_received: WHEN BANKRUPTCY FILED
Issue: McCalla Raymer Pierce, LLC
Subissue: GA
Consumer_narrative: 302XX
Company_public_response: Older American, Servicemember
Company: Consent provided
State: Web
ZIP_code: 07/30/2015
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: XXXX XXXXReported Lender : XXXX XXXX XXXX
Product:
 ATTORNEY REPORTED MCCALLA RAYMER LLC WILL FILE SOMETHING CALLED CONTESTED MATTER TO RETURN TO COURT TO DISMM WHAT THEY CALL MOTION FOR RELIEF FROM AUTOMATIC STAY.THIS NEED NOT OCCUR AND BE TERMINATED IF IT HAS BEEN FORWARD. OTHER DOCUMENTS OF FRAUDENT STATUS HAVE BEEN RECOVERED AND ALSO CONVERSATION WITH ROBO SIGNERS HAVE BEEN ESTABLISHED RELATED TO XXXX XXXX XXXX PAST XXXX AND MCALLA RAYMERS ASSOCIATES. CURRENTLY RECIEVING PREMISSION AND NOTARY STATEMENTS TO RELEASE THESE DOCUMENTS."


Date_received: 05/10/2016
Product: Prepaid card
Subproduct: General purpose card
Issue: Unauthorized transactions/trans. issues
Company: Amex
State: AL
ZIP_code: 368XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
After filing my taxes I received return on a prepaid debit card with American Express serve and used it one time at an atm and my entire return was stolen from my account due to a card skimmer totaling {$1600.00}. I opened the dispute XXXX XXXX, 2016 and have been in contact with over XXXX XXXX and XXXX Supervisors that promised and assured me my tax refund back within two weeks BOTH times. As of today XXXX XXXX, 2016 I am now being told my card is now LOCKED AND I WILL NOT RECEIVE MY MONEY BACK! I have faxed them several documents including the affadavit of fraud, police report, news article and was hung up on and told several different things.


Date_received: 04/29/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: PNC Bank N.A.
State: AL
ZIP_code: 351XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
PNC Bank charged me XXXX in overdraft fees for a XXXX overdraft. I do admit it was a mistake on my part that this happened, and I have no issue paying XXXX charge, but XXXX is very excessive. This is un fair. I could have got a payday loan and payed way less. This is predatory, and unethical. I am on a fixed income, and this is causing me a major hardship. I explained this to them and they said they will not do anything to help.


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Ashwood Financial Inc
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I do not have any medical bills with XXXX XXXX Hospital, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.


Date_received: 06/21/2016
Product: Credit card
Issue: Delinquent account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: NJ
ZIP_code: 079XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been a client of Synchrony Bank as a result of an application submitted when I purchased furniture from Ashley Furniture / XXXX. We had paid our balances on a monthly basis for over 3 years, and had asked to have our account put on auto-pay through synchrony and through their customer service department ( phone ). On two different occasions, the representative in order to collect payment promised that our account was now on auto-pay going forward when in fact it was not. The second attempt caused our account to be over 30 days and reflected on credit report. I have called a number of times, and discussed with their internal service department who informed me for the first time that we were to get a confirmation letter to confirm auto-pay. This was the first we had heard this, and that since we did not get the confirmation it is our responsibility. However, in my final phone attempt I explained to them the same situation, and without fail, the customer service rep did not tell me I had to get a confirmation letter to confirmation to know it was officially on auto-pay. The account is now paid in full, however my late is still on my credit report. This is unfair and causing real stress in my attempt to refinance my home. Please help.


Date_received: 04/15/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Company: Equifax
State: OH
ZIP_code: 430XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My credit report has been ok until Just Recently With information not belonging me XXXX XXXX- ( Auto ) {$1300.00} XXXX XXXX $ XXXX ( other ) No proof of debt INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, Not Mine XXXX XXXX XXXX XXXX, OH Not Mine XXXX XXXX XXXX XXXX ( Other ) {$46.00} XXXX XXXX XXXX XXXX ( Auto ) {$200.00} XXXX XXXX XXXX, Opened Date XXXX XXXX, 2008 NOT MINE, No proof of debt validation of a debts I do not owe AND basic inaccuracies on my credit report with Immediate effect now, EQUIFAX has not only been evasive over my report, they have never once provided the requested and official documentation required by law, nor have they corrected or prevent this wrong information the information, Not once have they provided me valid proof that it was mine NOR that I had a contract with either of this company, nor have they corrected the information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. That the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I have repeatedly asked them to provide the following, below ( items XXXX-XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the 5 days to avoid sue. I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean Reports. To be ID Theft Victim is no joking matters with credit. Please Delete or encounter Suing at XXXX County Court XXXX Ohio.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: Equifax
State: CA
ZIP_code: 920XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I would like to get my free annual credit report from Equifax , but can not get a copy of it. I have submitted a request via USPS mail, since requesting a credit report online from THIS credit reporting agency is IMPOSSIBLE TO DO!


Date_received: 05/03/2016
Product: Credit card
Issue: Credit card protection / Debt protection
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My Best Buy credit card ( issued by CITI ) has been used for fraudulent purposes several times. Each time Best Buy/CITI has cancelled the card and started an investigation ( XXXX investigation of XXXX charges, totaling over {$2000.00}, is currently ongoing ). However, I do not think that Best Buy or CITI are adequately protecting my credit information/name/SS # and other identifying information. I think that CFPB should really step in and investigate Best Buy and CITI and their practices in collecting, storing, and protecting people 's identifying information.


Date_received: 06/06/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Simon’s Agency, Inc
State: NJ
ZIP_code: 079XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I requested validation of the debt from Sim Agency Inc on XXXX/XXXX/2016. Collector has not responded with any information regarding validity of thisdebt. I do not believe this debit is mint. Account # XXXX & XXXX.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Consumer_narrative: Came up with page saying : " Online Delivery Unavailable - Mail in Request We 're sorry
State: Equifax
ZIP_code: OR
Submitted_via: 972XX
Date_sent_to_company: Older American
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/10/2016
Complaint_ID: Closed with non-monetary relief
Company_public_response:
 for your protection we are unable to deliver your Equifax Free Annual Credit Report online. '' I have a time sensitive issue ( fraud ) and can not wait 3 weeks for them to get me my report. Equifax would not help me or give me a way to see my free report and I could not get a real person to talk to about the problem at XXXX."


Date_received: 04/26/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company: Carrington Mortgage Holdings, LLC.
State: CA
ZIP_code: 925XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I submitted for assistance for a HAMP modification about while I was with XXXX, XXXX XXXX XXXX and now Carrington Mortgage. After many years I finally received an FHA Modification in XX/XX/XXXX. The payment was still high. I was advised that I could appeal which I did, and then after I requested the appeal I was advised that I had to reapply, this was in XX/XX/XXXX. I thought that perhaps I would be able to make a payment, but it truly was going to be a hardship, so I began submitting documents as of XXXX XXXX, XXXX. I sent all of the documents as per the checklist, RMA, TAX returns XXXX and XXXX, XXXX, paystubs, bank statements, Interspousal Transfer, etc. Then when my representative called she was advised that we needed to fill out a new XXXX and check off a little box near my signature. Now today, XXXX from Carrington Mortgage advised that they had received all of my documents but that I needed the documents from XXXX, my ex-wife, when all along I advised that we were separated. Now I am told that I also need an assumption letter ; that I need to fill out a form to have XXXX sign as well to a research center for the bank, and that I would receive the documents so that I could assume the loan. My representative asked the Carrington representative why we were not advised back in XX/XX/XXXX if this new item was added to the list of documents. ( Please see the checklist attached-no where in the list does this requirement appear ). She apologized and continued by adding that FHA can only postpone a trustee sale if documents are completed within 37 days. I now have a Trustee Sale on XXXX XXXX. I waited over 5 years for a modification only to lose my home as a result of faulty information I am receiving. I was not given accurate information by the Carrington representatives. I am told that I can stop the sale by XXXX of XXXX actions : File Bankruptcy, Pay the arrears plus attorneys fees, or be in a disaster area. It seems that the representatives time after time, gave us piece mail information. I am at the risk of losing my home because I was not given the proper information. It seems the banks are doing this to have the homeowners give up. I need the assistance of the CFPB to assist. I feel the representatives at the bank were negligent in advising what really were the proper documents. I am not even given the opportunity of time to have the review nor sell he property via HAFA short sale. Please help me and my family not lose our home via foreclosure.


Subproduct: JPMorgan Chase & Co.
Issue: TX
Subissue: 785XX
Company_public_response: Consent provided
Company: Web
State: 04/12/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
JP Morgan Chase Bank is the loan servicer on our FHA home mortgage loan, but their representatives are effectively ensuring that our home is lost to foreclosure. I have had a series of physical, financial and emotional hardships that have lead us to become delinquent on our mortgage payments. However, when we called in for assistance, we were harassed by the representative who asked for me to make our full reinstatement. They have completely shut the door on us and have rushed our loan into foreclosure, instead of attempting to provide us with access to retention options to save our home ; they just want to take it away. Chase Bank has never provided us any help, assigned me a single point of contact to work with or taken our financial circumstance into account to see if our loan qualifies for assistance. I want to speak to someone in your office to discuss this matter, so have a representative call me when you get this letter. My health is very delicate ; XXXX. I was XXXX half a year.During these times I lost a significant amount of income. The loss of income and my illness took a toll on us emotionally, physically and financially. We slowly started burning through our reserves to make ends meet. It was then that I reach out to Chase ; I made two payments toward three months we were now behind. I follow up the next day, to check my status, and to my unfortunate you for help, but the first representative just got smart with me and told me I had to reinstate the loan, or list my home for a short sale, that they should have never received the partial payments because my home now has a foreclosure date. My family and I were devastated ; we felt cheated, betrayed, we were beside ourselves. The government allows homeowners to modify their FHA-insured mortgages to reduce monthly mortgage payments and avoid foreclosure. This program allows the use of a partial claim up to 30 percent of the unpaid principal balance as of the date of default combined with a loan modification.I am capable of making the new FHA-HAMP payment ; with all the government programs to help homeowners, there must be something available to help us toward a resolution of our delinquency and create an affordable payment. Conversely, I feel that Chase are not interested in trying to resolve this matter and are just rushing towards selling our home. This is an avoidable foreclosure as our loan qualifies for a modification under the government FHA-HAMP guidelines under the same government that was provided billions of dollars to help homeowners. You wrote this loan with an interest only rate and not a single dollar is going to the principal payment. It does n't make any sense to foreclose on our property, as there are significant repairs that are needed and it would be very difficult for you to recoup your money. Our home is now worth less than what we paid for, but it 's where my wife and I want to spend the rest of our lives. Chase Bank is serving as a gatekeeper and keeping us from getting assistance on a predatory mortgage loan. You are required to conduct a review based on our current financial status in order to consider all possible options. Chase Bank has refused to comply with the directive of the United States Government by unfair


Date_received: 04/09/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: AZ
ZIP_code: 852XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This complaint is against ASC ( Americas Servicing Company, a mortgage company serviced by Wells Fargo ), and Wells Fargo Home Equity. Wells Fargo has used a bait-and-switch tactic on us regarding our recently ballooned monthly mortgage payment which increased after 10 years from {$1500.00}, to the exorbitant amount of {$4800.00}, as of XXXX/XXXX/XXXX. We are unable to afford this amount, and are now close to losing our home that we purchased in XX/XX/XXXX, and uprooting my family. We feel we were bait-and-switched since XX/XX/XXXX, when we have attempted to work with Wells Fargo to refinance or modify our loans, aware of the unaffordable impending balloon payment. Since the crash in XX/XX/XXXX, our home dropped in value to the point where we were unable to refinance, and since our loans are not XXXX XXXX XXXX, we were not able to utilize HARP. So every year we have called Wells Fargo and spoken to their Home Preservation dept, requesting assistance on how to lower the impending balloon payment, as we had every intent to remain in our home and keep our good credit, and Wells Fargo continually advised us to continue making our XXXX mortgage payments ( which for the last 10 years, we have done with zero delinquencies, on XXXX loans ), stating that when our balloon payment begins on XXXX/XXXX/XXXX, they would surely work with us to lower that balloon payment, and keep it at an affordable amount, and ultimately allow us to keep our home. XX/XX/XXXX, I contacted Wells Fargo as it was nearing the impending balloon payment, and again, wanting to keep our good credit, attempted to work with them, as they stated they would. I was advised to begin a HAMP loan modification request, 1 or 2 months prior to XXXX/XXXX/XXXX, so it would be within plenty of time for them to work with us and lower that impending balloon payment. I submitted our loan mod request on XXXX/XXXX/XXXX, as advised, with all requested documentation, and a detailed letter explaining that yes, we could currently afford our {$1500.00} payment, but in a month, we will surely not be able to afford the {$4800.00} balloon payment. That same day, I was advised by our rep that I should not have submitted the loan mod request, and that I should have waited until XXXX/XXXX/XXXX, when the balloon payment actually begins, so that the underwriters could base the loan mod request on the unaffordable balloon payment. So the loan mod request was promptly denied because indeed, we could afford the current payment of {$1500.00}. No consideration taken of my letter outlining the impending hardship. By then, it was XX/XX/XXXX, so I had received the first statement showing the new {$4800.00} payment due XXXX/XXXX/XXXX. I then escalated my concerns to Wells Fargo Customer Care, who advised me to submit an appeal, including the new statement showing the {$4800.00} payment, and that they would then surely lower the payment to one we could afford. 3 valuable weeks later, Wells Fargo denied my request. I believe as a delay tactic, our rep continually called me on our home phone, which I missed every time, as my cell phone was my primary method of contact since the start. I then called Customer Care, and was informed that per the underwriter, they did not even take the new {$4800.00} payment into consideration. They based the appeal 's denial on the original {$1500.00} payment, even though that was no longer our current payment, and the entire basis of my appeal. I was then told to yet again, to resubmit the entire loan mod request, again submitting the current statement showing the {$4800.00} payment, with a detailed spreadsheet of every monthly expense, minimum payment, outstanding balance, and notes to accompany. So here we are, back at square 1, zero progress, no accountability by Wells Fargo, and are now even closer to losing our home and our good credit. I believe Wells Fargo has been negligent, and used delay and bait-and-switch tactics. Thank you.


Date_received: 05/01/2016
Product: Debt collection
Subproduct: Medical
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Grant & Weber
State: CA
ZIP_code: 934XX
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 have repeatedly asked them not to call me at my parents house and they have continued to call me there. Two weeks ago my sister gave me a message that they called and wanted me to call them back. When I called I made it very clear that I have previously requested twice to have that number removed from their system and that it was not a good number to reach me at and that it causes me a lot of problems and my parents do n't need to be bothered by my personal business. I was assured that they would delete the number and that it would n't happen again. The following week at XXXX in the morning they called again. I told them I was going to file a complaint against them. They said that I still owe the bill.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: U.S. Bancorp
Issue: CA
Subissue: 913XX
Company_public_response: Consent provided
Company: Web
State: 04/29/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
At the closing of the loan ( a different mgr. ) I was informed that without opening a checking account my interest rate would be 4.25 % with a {$90.00} annual fee on the loan. If I opened the checking account there would be no annual fee provided I maintained a daily balance of {$2500.00} in the checking account or pay a monthly service charge of {$20.00} per. month At this point we decided we could not trust anything US Bank said so we opted out. I feel we were purposely misled and wasted many weeks in applying for the loan. I really think that they feel you have so much time and energy into the loan that you will just sign and not walk away. They ( USB ) should not be allowed in engage in these deceptive practices. Thank you.


Date_received: 03/15/2016
Product: Credit card
Issue: Payoff process
Complaint_ID: Yes
Consumer_narrative:
Requesting PNC Credit Card to Reverse the Charge-Back of {$7500.00} on Card Ending ... XXXX I was hired as a Purchasing Agent for a Co. called XXXX XXXX XXXX , an online company based in NY in XXXX, 2016. My job was to make purchases for this Co. initially using my credit card and they reimburse me afterwards by making payments on the card from their " supposed '' corporate account with XXXX XXXX. Of course I objected to this proposal and they agreed to first pay off the balance of {$7500.00} on my PNC XXXX XXXX ending with XXXX. My card payment was initiated on XXXX XXXX

Company_public_response:
 2016 from the XXXX XXXX XXXX ( Routing:XXXX & Acct # : XXXX ) and when I checked the balance online on XXXX XXXX


Date_received: Reason for Dispute with PNC Being suspicious of the possibility of the payment being reversed
Subproduct: XXXX and XXXX. On XXXX XXXX
Issue: with the card balance showing zero online
Complaint_ID: Yes
Product:
 I waited for almost XXXX week before I proceeded to make the purchases on my PNC Cashbuilder Credit card ending with XXXX which included gift cards from XXXX

Subissue:
 I called the customer service to check with a XXXX who confirmed to me that if the check has not been returned within XXXX hours


Date_received: However on XXXX XXXX
Product: when I checked the account balance
Subproduct: it was {$7500.00} ( XXXX + XXXX )! With my XXXX raising
Issue: I called CS ( got transferred to dispute dept
Complaint_ID: Yes
Subissue:
 then Payment Resolution for more than an hour ) to find out what 's going on. I was told the check was returned ( AFTER 12 DAYS ....! ) So I asked WHY WAS THEIR NO INDICATION ON MY ACCOUNT THAT THE PAYMENT WAS PENDING ALL THESE WHILE SO I COULD HAVE DELAYED OR NOT MAKE THE PURCHASES AT ALL? AND IF THE CARD CO. KNOWS HOW TO ADD "" PENDING CHARGES '' TAB TO THE PAGE


Date_received: 04/28/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
State: the rep said
ZIP_code: ok we will send you one. This week
Timely_response: my principle is balance is currently incorrect
Consumer_narrative:
After my husband 's chapter XXXX filing, we were no longer receiving mortgage statements from US Bank. They did however send an informational statement once per year. In reviewing, I noticed that the amount applied to interest seemed incorrect. We never missed a payment and always paid our payments on time. I requested and was sent a history of our account. A payment in XXXX XXXX, made on time and for the proper amount, was posted entirely to interest. In addition, the amount applied to principal was larger some months than others and at times, posted several days after received. When I called to question, I was told we had a simple interest mortgage and that the XXXX payment that was applied to interest was " probably for fees ''. I disputed the simple interest mortgage as I was sure our terms were conventional and when questioned more on what kind of fees we were assesed

Company_public_response:
 was told my claim would be researched. After several phone calls I was told I needed to request everything in writing. Several letters have been back and forth. In one letter they told me I have a simple interest mortgage which explained how the payments were applied. When I requested proof that our mortgage was simple interest

Company:
 they then made a correction of the misapplied payment from XXXX and explained that our mortgage was not simple interest that this was an error. I called to request explaination of how the correction amount was calculated and was told they used an amortization schedule. I requested a copy. They stated that one was sent with the letter ( it was not ) but they would send another. I never received. I called to request again and was told this was not possible with my type of mortgage. I explained that I was told this is how they corrected the error and I would like to see the numbers. After being put on hold

Submitted_via:
 I received a letter saying they could not provide this to me but I could go online and find one. In the letter

Date_sent_to_company:
 they also stated that my maturity date for this loan is XXXX XXXX when it should be XXXX XXXX ... another error. It appears my mortage is incorrect and inaccurate but since I started this process one year ago

Company_response:
 I have decided I need help to resolve this. I am not sure why this has been so difficult or has taken so long. In summary I would like 1 ) an explanation of the calculation that corrected the simple interest error and the misapplied payment 2 ) I ran my own amortization schedule and based on my findings

Consumer_disputed:
 this need to be correct or provide me with a detailed explaination 3 ) Correction or detailed explaination of why my my maturity date is now XXXX XXXX ( stated in the XXXX XXXX letter ) when my loan documents state maturity date is XXXX XXXX. I also feel US Bank needs to be investigated. Had I not been extremely persistant

Complaint_ID:
 they would have never corrected my loan type or the misapplied payment. Consumers in bankruptcy do not receive statements


Product: through no fault of ours
Complaint_ID: Yes
Date_received:
We started the modification process all over again with Kondaur. We sent in a complete modification package and began following up every week. Each time we would call we starting getting conflicting information about whether they had it or not ; some told us that the package was incomplete, phone calls were not being returned, etc. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) XXXX Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' We started to get the feeling that Kondaur was intentionally giving us the runaround ; potentially setting our mortgage up for foreclosure. Why else would they keep asking for the same documentation over & over ; some days they had what they needed the next time they did n't? XXXX ( b ) Receipt of Loss Mitigation application - "" A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' One day while checking on status of our modification I was told that we had become too delinquent on payments and they were not going to be able to help us and we were going in foreclosure. Are you kidding? When we started this with XXXX we were only 1 month behind and now


Complaint_ID: Yes
Date_received:
XXXX Early intervention requirements for certain borrowers - I do n't feel that Kondaur has ever provided us with a "" Fair Review Process '' for a modification


Complaint_ID: Yes
Date_received:
 CFPB 's mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure ''


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: USAA Savings
Issue: NC
Subissue: 281XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
At present, I still do not know why, unlike in the past, I am not being credited with interest to which I am entitled for my CD account.


Date_received: 04/12/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Nationstar Mortgage
State: OR
ZIP_code: 972XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In 2007 I purchased a rental home in XXXX XXXX. Needless to say this was probably the worst timing in the history of the world. It took until XXXX to finally get it short sold. XXXX is reporting as a Foreclosure and that is not correct.


Date_received: 06/23/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Stonegate Mortgage Corporation
State: OH
ZIP_code: 442XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/23/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
My mortgage is through Stonegate Mortgage Corporation. It has been for two years. For XX/XX/2016 I did not receive my payment coupon to make my payment. Knowing it was due, I used a statement from XX/XX/XXXX to obtain a mailing address for payments so I could mail my payment on time. The payment was mailed on XXXX/XXXX/16, before the late payment date of XXXX/XXXX/16. On XXXX XXXX, 2016 I noted in my bank account that the payment had not cleared. I contacted Stonegate to inquire and they informed me that they had a new payment PO Box as of XXXX XXXX and sent me a letter on XXXX XXXX with the change of address with my coupon. However, I did not receive that mailing. With a check # XXXX now lost in the mail I asked the representative at XXXX to waive my late fee of {$40.00} so I could pay with check by phone and that I would go to my bank, XXXX the next day and stop payment on check # XXXX that was now lost. They refused to waive the late fee and offered to waive the payment by check fee. I stated I would first go to the bank and check on the stop payment fee before proceeding with check by phone. When I went to my bank on XXXX XXXX, 2016 I was charged a fee of {$33.00} to place a stop payment on my check. I then called Stonegate again and initiated a payment by phone but again asked to have them waive the late fee of {$40.00} and they refused. They are not taking any responsibility that I never received their change of address letter that they claim was sent to me on XXXX XXXX. For resolution I want the {$40.00} late fee waived, Stonegate to reimburse me the {$33.00} stop payment fee, and my credit report to not have a negative report due to a mail error.


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Company: Portfolio Recovery Associates, Inc.
State: CA
ZIP_code: 919XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Portfolio Recovery bought a XXXX credit card debt of mine from 2009 and for two years calls my business phone line multiple times a day. I consider this harassment. I have answered the phone and asked them to stop calling. PR admits that the debt is XXXX and not enforceable. But their strategy is to keep calling everyday multiple times until I succumb to this harassment on my business line. Can I sue for cease and desist and for damages?


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Ashwood Financial Inc
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I do not have any medical bills with XXXX Hospital, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.


Date_received: 04/28/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company: Nationstar Mortgage
State: MD
ZIP_code: 209XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had received numerous letters from my mortgage company about refinancing, so I contacted in them in XXXX 2015 and completed the application and submitted the required documents. The appraisal was ordered and completed and I was sent a copy. I waited to hear back from the processor as far a closing date. After not hearing a status update for quite sometime I contacted the processor and the processor told me that there were judgements against the property and that was the delay. I was told that as soon as the title was cleared I would go to closing. I have a very common last name and I mentioned that to the processor and also that these judgements were not valid. I monitor my credit every 4 months thru XXXX and nothing had ever appeared on my credit report. Also, I ' am very sure that if these were valid they would have been an issue from the beginning of the process. I was sent a copy of these judgements and none of the names were matches or were even close to my name, social security number or my address. I became frustrated with this process because I was not getting any cooperation from this processor or the title company in clearing the title in order to get this loan request to closing. I was never given the name of the title company and was never contacted by them in order to try to clear up this problem. I sent an email to the processor stating that I was ready to contact the Banking XXXX or any agency that could assist me in getting this problem cleared up. One week later I received a Credit Denial letter stating that there judgements on the tittle and that was the reason for the denial of my loan request.


Date_received: 04/27/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
As you know, many Americans have faced extreme hardship. XXXX and XXXX XXXX have faced them as well, and we are trying to finalize debt settlement via short sale on their home located on XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois. The first mortgage holder, XXXX XXXX did a great job, however, we are waiting for the second mortgage lender ( US BANK ) to issue an approval as well. We originally submitted request for shorts ale approval XX/XX/XXXX and to date, US BANK, has transferred the file to numerous represntatives. Initially US Bank claimed an individual named XXXX was handling, then it was transferred to a XXXX and now we 're passed onto a person named XXXX. And each person seems to not have much care into reviewing this approval process. We request the CFPB take a look into this file, all the emails that have been sent relative to this request and ensure that US Bank is following correct protocol on this. The homeowners are so close to settling a lot of debt and finding some much needed financial relief. It is my hope that US Bank will no longer delay and expedite its attempt to resolve this issue.


Date_received: 04/03/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Problem cancelling or closing account
Company: Equifax
State: SC
ZIP_code: 295XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have tried to correct these accounts that show opened at the XXXX, Equifax and XXXX. I have no idea what they are for, only showing that the opening dates are XXXX/XXXX/12 : for {$26.00}, {$10.00} and {$24.00}. The original company submitting these accounts were from the XXXX. I have been unable to obtain any acct. numbers, or contact information for this above agency.


Date_received: 05/06/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Santander Bank US
Submitted_via: NJ
Date_sent_to_company: 071XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/11/2016
Consumer_narrative:
Today I had an appointment at the Santander bank on XXXX XXXX NJ to transfer over my XXXX XXXX account. We had an appointment for XXXX so XXXX XXXX told us the guy that handles this told her that he was still in the XXXX office and will be late. We waited over an hour for him to come. When he came he decided to help another customer instead that had an appointment at XXXX. I knew he had an appointment for XXXX because I heard XXXX talking about it. When he finally came to talk to us, he said that XXXX told me why we were here and all he his to do is open a new account. I then told him that I noticed what he did and he took that other appointment before us and he said " And your point is '' I asked him if this is how he does business and he ignored me and said "" so do you want to open this account ''. He was very unprofessional and did n't bother to discuss the details of our transcation. I then processed to tell him

Company_public_response:
 that you just came in here and did n't discuss anything with us and now your telling me all I have to do is open a new account. I believe this was horrible customer service and for this reason

Company:
 I walked out of the bank without anything resolved. I am now considering going to another bank because this was horrible."


Date_received: 05/12/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Caliber Home Loans, Inc
State: OR
ZIP_code: 972XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
discharged from bankruptcy XXXX 2015 I have paid my mortgage every month. Mortgage company sold my loan to another and new company saying I owe XXXX or will foreclose on my by XXXX XXXX. I provided proof of my mortgage payments still they persist that my account is delinquent.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: GA
Subissue: 301XX
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
The same is true regarding TransUnion I can not access my online credit history to update my current street and mailing address. I also need an annual free Credit Report and free Credit Score from both XXXX and TransUnion. I also need the new toll free telephone numbers for XXXX and TransUnion to Temporary Lift Freeze from my permanent credit history accounts without having to speak with a live representative that will charge me money.


Date_received: 04/29/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
State: Dovenmuehle Mortgage Inc.
ZIP_code: AZ
Submitted_via: 852XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 04/29/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I purchased my home in XXXX XXXX. The house appraised above the purchase price. I put 10 % down and have been consistently making additional payments ( two full payments each year ). The principal is now at less than 80 % of the original purchase price. On XXXX XXXX, XXXX I filled out the paperwork to remove PMI and sent my lender the requested amount ( {$310.00} ) associated with the " required '' appraisal. The check was cashed shortly thereafter. I received a VM on XXXX/XXXX/XXXX stating that I should call back "" in reference to [ my ] appraisal ''. I called the number provided back on that day and again the following week. Each time I was told that "" systems were down and the representative could not help me ''. On XXXX I received a follow-up call. At that time I was told that the appraisal was going to cost {$180.00} more than originally stated. This brings the total to {$500.00}

Company_public_response:
 which is more than any amount shown on the mortgage lender 's schedule of amounts owed for the appraisal. I arranged for payment and was then told that it would be another seven days before anyone could contact me to schedule the appraisal. It appears that this company is deliberately delaying the necessary steps to remove PMI in order to continue to charge the PMI ( {$180.00} per month on a loan of {$350000.00} at 3.65 apr )."


Subproduct: Equifax
Issue: NC
Subissue: 278XX
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I then spoke with XXXX XXXX at Equifax about how they verify information, he then stated they send it through the electronic system, my question to him was if its done electronic how can you verify it because personal information is not public record and that all the information such as name, address, date of birth and social security has to match up, he continue to say its public record, there was no real answer but they continue to use the same information that was previous disputed.


Date_received: 05/12/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Charged bank acct wrong day or amt
Subissue: Charged bank acct wrong day or amt
Company: Mobiloans, LLC
State: FL
ZIP_code: 346XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
Lender charged my account when it was not expected/unauthorized, which cost me overdraft, return check fees, and bank account is at negative status.


Subproduct: Please note that we can not attest to another company 's actions
Issue: including how they handle the closings of loans. '' * THIS IS A FALSE STATEMENT XXXX XXXX XXXX
Subissue: F/K/A CHEC FUNDING
Consumer_narrative: NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX XXXX WHO UNDER-WROTE THE LOAN PRE-SALE
Company: AND CLOSING INSTRUCTIONS
State: SIGNED AND DATED. ECT. REGARDING OUR REFINANCE CASH -OUT WE WILL PROVIDE THE DOCUMENTS.
ZIP_code: PLEASE ADVISE
Submitted_via: WE CANT UPLOAD THEM BECAUSE THERE ARE MANY DOC 'S TO PROVIDE
Date_sent_to_company: WE REQUEST THAT ALL THE DOCUMENTS FROM NATIONSTAR BE FORWARDED BY MAIL ONLY TO US
Company_response: AND NOT E-MAILED."
Consumer_disputed: Nationstar Mortgage
Complaint_ID: DE
Date_received:
THE COMPANY HAS COMMITTED PERJURY TO STATE AND FEDERAL AGENCY 'S SUCH AS DELAWARE XXXX OFFICE, CONSUMER AFFAIRS, CFPB, AND US THE BORROWER 'S WITH THE STATEMENT, " According to our records

Product:
 we do not have any information to substantiate the borrower 's claim that the Unpaid Principal Balance ( UPB ) is {$30000.00} short

Company_public_response:
 WE WILL PROVIDE PROOF. WE HAVE THE TITLE COMPANY 'S CLOSING INSTRUCTIONS AND NATIONSTAR XXXX XXXX XXXX XXXX XXXX 'XXXX FUNDING LETTERHEAD PER-SALE MORTGAGE COMMITMENT


Date_received: 04/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: NM
ZIP_code: 875XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Trans Union is not responding to my requests to investigate and remove some accounts from my credit file that do not belong to me.


Complaint_ID: Yes
Date_received:
XXXX. XXXX 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. XXXX 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 XXXX


Date_received: 10. Coercive Use of pre-lawsuit Letter of Collection ( XXXX XXXX
Issue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subissue: Citibank
Consumer_narrative: CO
Company_public_response: 802XX
State: Consent provided
ZIP_code: Web
Submitted_via: 04/20/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Product:
 XXXX ) to intimidate Consumer by false threat of litigation & saying account is in Legal Department. Attachment : XXXX 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 Consumer. 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

Subproduct:
 XXXX to provide XXXX in XXXX sales file. XXXX only provided charge-off amount as "" extra information '' on or about XXXX/XXXX/XXXX by letter ( copy n/a ) Ref : XXXX Consent Order."


Date_received: 04/25/2016
Product: Credit card
Issue: Billing disputes
Company: Capital One
State: GA
ZIP_code: 302XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Capital One credit card is in XXXX XXXX XXXX XXXX name. He passed away on XX/XX/2015 and died intestate and insolvent. I have disputed this claim and wish to have this removed from my report. XXXX XXXX, had total control over this account. It was not a joint account. When paying the account each month in full, if I disputed a charge they had to receive permission from XXXX XXXX to talk to me. They should try talking to him now.


Date_received: 04/28/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Westlake Services, LLC
State: VA
ZIP_code: 240XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Westlake Financial is reporting that I owe their company for a vehicle that I never purchased. Westlake is reporting inaccurate information on my credit report and I want it removed immediately! I have sent this company several debt validation letters via certified mail and regular mail and I have not received or heard anything from them. I have never purchased anything through this company and I do not owe them anything.


Date_received: 04/27/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: TX
ZIP_code: 774XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mother passed away XXXX XXXX, 2016 with a checking account with my XXXX brothers and myself as owners of the account. They have the account frozen and want release funds. they keep agreeing we own the account but gave me instructions to show them a affidavit of heirship which we did. Still want release and now say they want a probate. This not necessary as we are owners of account. I have had my mother 's attorney prepare affidavit at a cost of XXXX which they will not accept. I want the account released to us and refund of this extra legal cost. In texas I know this account should not go through probate. Will was attached to affidavit. They let many checks go through then froze account with no notice and I had sent my mother 's IRS tax payment for XXXX and was returned and now may owe XXXX penalty. They also stopped drafts for electric bills.


Date_received: 05/13/2016
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: Diversified Consultants, Inc.
State: TN
ZIP_code: 381XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
i constantly asked diversified consultants to stop the reporting of the inaccurate information stating that i owe a balance, I am a victim of identity theft and they seem to not taking the proper procedures, but still reporting negative to all XXXX credit bureaus, i asked them in a certified letter for validation of the debt, but they continue to still is engaging in deceptive acts.


Date_received: 04/28/2016
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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
ZIP_code: 021XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Fair collections and outsourcing is wrongfully reporting on my credit bureaus. i 've sent requests registered mail to the bureau three times to investigate and they keep concluded that the account is valid, but in over 3 months of sending letters requesting proof that the debt belongs to me and it is a debt that i signed for with this company, to date no proof has been furnished. i sent an email to the company on XXXX XXXX, 2016 demanding proof straight from the source. i stated if you can not supply me with proof of this debt please remove the debt from my credit bureaus. i received a response from XXXX XXXX stating that she would investigate and get back in touch with me. i have received absolutely nothing i even sent a follow up email and i 've received no response. this is not my debt and they have it unfairly listed as a collection on my credit and i want it removed. i need to find a new residence and this is severely hindering the process and i could soon be homeless. where are the rules and regulations that govern these lying thieving companies from imposing undue and unfair negative information on well to do consumers. where is the justice. what is FCRA if it is useless and the laws and regulation by which they govern these entities are a big joke?


Date_received: 05/04/2016
Product: Credit card
Issue: Sale of account
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Citibank
ZIP_code: AZ
Submitted_via: 853XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/04/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I received a letter earlier this year from XXXX advising of the ending of their partnership with XXXX XXXX and that Citibank VISA would be the replacement. I called XXXX immediately to ask if I would be given the option to decline this VISA card since the letter did not address this question. The XXXX representative said I would be given that option prior to issuance of the card. On XXXX XXXX of this year I received a letter from Citibank that says my new Citibank VISA card will be mailed to me. I never received any notice or opportunity to decline this card prior to issuance. I immediately called Citibank and told them I do not want this card and I do not want a relationship with Citibank. Citibank said they could n't do anything about this card until I actually received it and then they could " try '' to cancel it. I am on the permanent opt out list for ALL credit offers

Company_public_response:
 etc. and do not want another XXXX card. I am disappointed to learn that Citibank through contract with XXXX merely transferred my personal and financial information and automatically issued me a credit card without my permission to do so. I want to have the say over which company and which credit card I do business with just as I did when I originally applied for the XXXX XXXX XXXX card."


Date_received: 05/07/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: IN
ZIP_code: 460XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
TransUnion had an incorrect item deleted from my credit report, see attached, Then they confirmed it, sent me notice, provided a new updated report and then secretly put it back on my credit and did not notify me within the five days they intended to do so, a clear violation of the FCRA 's, 5 day notice rule 15 USC 1681, AND ... In addition they did not notify the other CRA 's as required under 15 USC 1681 611 ( a ) ( 5 ) ( b ) see attached,


Date_received: 06/22/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: but that wo n't tell me why BA closed it
Complaint_ID: Yes
Consumer_narrative:
This has been somewhat involved so hopefully I have got this all accurate and complete. I was offered a credit card from Bank of America ( BA ). I received this card about a year ago. I used it for a few months and there ended up being a problem that BA could not seem to fix. Not too long ago they sent me a letter stating that they have closed this account. They say " This action was taken because of the following reasons : '' That list says "" This account has been inactive '' and "" Derogatory public record or collection filed '' The reason it has been inactive is because they put some kind of stop on it and they could never get that straightened out. ( Separate issue and involves real incompetence of some kind ). I have called BA and tried more than once to find out exactly what is the specifics to the second reason : "" Derogatory public record or collection filed ''. BA is the one who has closed this account and they would be the only one I know that would know why specifically they closed it. What is it about this "" record '' that they have closed my account? I can get a copy of this record

Company:
 I want their specific reason. I may want to do a dispute of this closing as I am concerned that now my record may show that I had not only a credit card account closed by the issuer


Complaint_ID: Yes
Date_received:
I have called and since they could n't seem to answer my question I asked to be put in touch with the department and someone who could answer my questions. I believe that they told me they would contact me. I have never had any answer to this. I know this is more of some kind of policy that they can have

Product:
 but there is no way to email or message them. I want to ask for a specific number and hours to call about this. Instead all I could do there is to use facebook! Can you imagine this is how they do some of their customer service? What a pathetic joke. I asked about my problem there. Quick reply but it was just another generic number


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: OR
Subissue: 970XX
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:
These banks should be put out of business as far as I am concerned or at the least break them up into much smaller banks so we can get some kind of accountability to the customers. I know there are a lot of things that can be company policy and are allowed along with no one having to do business with them. But in this case I think I am due answers especially with the ramifications to me."


Date_received: 04/01/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: Nationstar Mortgage
State: AZ
ZIP_code: 850XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I previously owned a home and it was re-financed w/ a partner who had vested some capital to keep it from foreclosure. Due to economy recession I rented the property.. The partner had forcefully moved in by changing locks on a new renter. Later the loan was modified without my authorization or knowledge by the vested partner. The partner failed to make MGT payments and the home went into foreclosure. NationStar Bank would not work with my attorney towards re-modification of the MGT even though I had completed a Modification Package they sent me. NationStar failed to follow up with me or my attorney towards making the arrears current and forclosed on the property as it had significant equity. It sold the property for XXXX + Profit.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Financial Business and Consumer Solutions.
Issue: AR
Subissue: 853XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: CL Holdings, LLC
State: IL
ZIP_code: 617XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I requested proof of this debt with a signature and they did not forward any information. A print out does not validate and there are several XXXX


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Synchrony Financial
Issue: MD
Subissue: 207XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/29/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX XXXX 's Office would submit invoices to Care Credit without my knowledge and without any evidence that I had set foot in his office after XXXX 2012. The office would periodically make request for an increase in credit line. See attached.


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: URS Holding, LLC
State: NJ
ZIP_code: 080XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
Back on XXXX XXXX, 2014, a company called United Recovery Systems called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with XXXX XXXX to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, XXXX XXXX and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.


Date_received: 04/26/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: Harley-Davidson Financial Services, Inc.
State: OH
ZIP_code: 441XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I got a loan for a harley davidson bike, i fell on hard times and could not make the monthly payments. To my knowledge i think the bike was repoed after i was contacted by a repossession agent regarding the bike. The bike is now on my credit report stating i owe almost XXXX damaging my credit really bad


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company_public_response: XXXX "". I received your notice via my land lord __________
Company: the notice was not in a seal envelope
Submitted_via: but if day XXXX is a holiday or weekend then the response will be due the following weekday."
Company_response: Machol & Johannes, LLC
Timely_response: UT
Consumer_disputed: 844XX
Complaint_ID: Older American
Consumer_narrative:
Dear XXXX I am responding to your contact about a debt you are trying to collect. You have identified the debt as " XXXX XXXX Bank

State:
 and was given to a XXXX Veteran who has XXXX and is confined to a small living area above my basement conversion apartment that I rent and use when in Utah. I am not sure on the date received or how long he had it on his coffee table. It was upsetting to him and I like my personal business mine. ______ said a man in a truck banged on the door and handed it to him when he finally was able to get to the front door and open it. I will protest this method of delivery. XXXX XXXX XXXX XXXX ] XXXX ( b ) "" Illegally inform a third party about your alleged debt '' Unless you have expressly given permission

ZIP_code:
 collectors are not allowed to inform anyone about your debt except : Your attorney The creditor The creditor 's attorney A credit reporting agency Your spouse your parent ( if you are a minor ) [ XXXX XXXX XXXX ] XXXX ( b ) How long do I have to respond? Utah Rules of Civil Procedure require that a response be made within 21 days of service. The 21 days begins the day after you were served the Summons and Complaint. Weekends and holidays are included


Date_received: 11/24/2015
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: and then we would be "" caught up ''
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX, XXXX XXXX and their attorneys at McCalla- Raymer , LLC XXXX sold our home of 23 years on the courthouse steps in XXXX XXXX GA. This was the first and only mortgage on the home, i.e., there were no second mortgages or other leins on the property, and we only had 7 years left on that same 30 year mortgage. We were six months behind on our mortgage ... the same six months that followed our attendance at a " save your home '' seminar at the Georgia XXXX sponsored by XXXX XXXX. The only option we were given [ several months later ] was to double our mortgage payments for 6 or 7 months


Date_received: The issue we are facing now
Product: over five years since the foreclosure
Consumer_narrative: we had my wife 's mother added to the title so she would agree to move in with us
Company_public_response: as she was XXXX. She had no other assets when she died XX/XX/XXXX
Company: so there was never a need for probating her will ( or so we thought at the time ). Recently
State: we received hold harmless
ZIP_code: "" no administration needed '' form
Complaint_ID: Yes
Subproduct:
 is that while the house sold for approximately {$90000.00} [ vs. the roughly {$60000.00} we owed after they tacked on another {$7000.00} in legal fees ]

Issue:
 leaving a little over {$30000.00} in excess proceeds. After over three years of trying to get them to release these excess funds

Subissue:
 we were able to get approximately {$19000.00} of those funds released to us. The other approx. XXXX was held because back in the early nineties

Submitted_via:
 and some other agreement to sign in order to receive the remaining $ XXXX in excess proceeds ... except that the amount they would release was only {$6100.00}! When I called to ask the reason for the nearly {$5000.00} in additional charges on funds that they have owed to us for over FIVE YEARS

Date_sent_to_company:
 they claimed that they needed to do research to prove [ to themselves ] that my wife was the correct heir to those funds ( she was an only child )


Date_received: XXXX XXXX and their agents
Product: McCalla-Raymer
Issue: many phone calls
Company_public_response: three months after the foreclosure in XXXX
Company: the new owners sold our former house
State: for which they paid {$90000.00} ... for {$160000.00}!! We had paid {$110000.00} in XXXX
Complaint_ID: Yes
Subproduct:
 held {$30000.00} of our money for well over three years ... begrudgingly releasing {$19000.00} at that point after many

Subissue:
 and they have held the remaining {$11000.00} for over five years now. Considering that we were only six months late on a total of about {$6000.00}

Consumer_narrative:
 I feel we are justifiably outraged at the actions of these individuals and their corporate veils. FYI


Product: assuming they are legally
Subproduct: if not morally
Subissue: this money would have simply been kept
Complaint_ID: Yes
Date_received:
We feel we should at the very least be able to receive the entire {$11000.00} in excess proceeds from the sale of the foreclosure

Issue:
 required to pay us interest on the money they have held for the last 5+ years. We honestly feel that if we had not repeatedly requested information on these funds


Product: Company disputes the facts presented in the complaint
Subproduct: Professional Finance Company, Inc.
Issue: CO
Subissue: 802XX
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
First of all I do not owe the debt it was paid by XXXX XXXX. I tried contacting them and they said the the XXXX Doctor has to talk to them directly. The doctors office refuses to do this. Do n't I have the right to resolve my issue?


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: NY
Subissue: 112XX
Company_public_response: Consent provided
Company: Web
State: 06/23/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
XXXX XXXX, I called Citibank to inform them of the fraud. I received a complaint number, and was told that an affidavit would be sent by mail. I called many times, because I received no affidavit. On XXXX XXXX I was told I could go to any branch and fill out an affidavit. XXXX XXXX I did so. XXXX XXXX I called Citibank for an update and was told they did not receive the affidavit from the branch. They say they are sending the affidavit again by mail. They say this could take 90 days to resolve. Why? This was my rent check.


Date_received: 04/05/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Valentine and Kebartas, Inc.
State: NY
ZIP_code: 100XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I explain to the person calling that the person they are calling for does not leave at this number. But they keep calling. I am being harrass. I wish this collection agency would stop calling my home number.


Date_received: 04/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: NC
ZIP_code: 284XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX made an error on my credit report which has put a stop on my home loan. Due to this negative report I paid the account in full XXXX 2016 but they charged me a fee in error and reported as negative. I have tried to get them to remove this charge after several attempts They are saying it takes 30-45 days ... I feel that if took them 1 day to damage my credit it should take 1 day to correct their error. They admit to the error but refuse to correct my credit asap. Please help me resolve this matter


Date_received: 05/12/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mortgage company keeps showing a large outstanding balance online and in statements which is not due. Customer services keeps saying it is a glitch in their system and to ignore it. At this point I dont trust what I owe them and I want a full accounting of what I have paid to made sure it was applied properly. I want a full history for two years because this has been going on that long. I was behind and I think they are taking advantage of that.


Date_received: 04/21/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Company: JPMorgan Chase & Co.
State: CT
ZIP_code: 060XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Receive a call from board and park XXXX indicating that I owe money for a providian credit card that was opened XX/XX/XXXX. They stated that my check would be garnished. I asked for something in writing. They said they sent it to me XX/XX/XXXX but I was just contacted on XX/XX/XXXX for the 1st time. They refuse to send me any written communication. I tried to look the company up on the internet and can not locate them. I 'm concerned about whom is trying to make an arrangement me with. Not sure if the company is ligit. They only gave me 4 days to respond with a decision if I was going to pay the remaining debt.


Date_received: 03/13/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company: Carrington Mortgage Holdings, LLC.
State: TX
ZIP_code: 752XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Hi, On XXXX, from XXXX XXXX, I had a loan to purchase a house, on XXXX XXXX XXXX switched the loan to Carrington mortgage services ( they do n't have office in the state of Texas ), since then I having problems with this company because all they 're telling me is n't true.A couple of days ago I received a letter saying that they increased the home payments, I called, and they say there are XXXX reasons, XXXX reason was because the insurance went up, the other reason was because the XXXX city taxes went up, but I told them that this house is exempt of taxes because I 'm XXXX, then they change their mind saying that there is an error on the XXXX contract, I asked them where is the error because I have copy of the contract, then they changed their mind again saying for other reason not written in the contract, so they lie to many times. I 'm disable, they do n't have office in Texas, and for me is very hard to talk with a manager to ask why they lying to much. I was paying $ XXXX/ month and they increased to {$400.00}, and if I add the difference of the insurance, go to {$370.00} no {$400.00}. What action I want you to take? transfer the loan back to XXXX, but they Carrington wont do that. I need your help


Date_received: 03/14/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Credit decision / Underwriting
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Navy FCU
State: CA
ZIP_code: 920XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We applied for a VA loan with Navy Federal Credit Union. We went under contract and had XXXX days to remove a funding contingency. The credit union told us, our realtor and the seller 's realtor that we were approved for the loan. Then one week before closing the credit union changed their decision and pulled back the funding approval. The reason given was we do n't have employment in the state where the property is located. XXXX XXXX is the day we are bound by contract to close on the loan. It is the seller 's intentions to take a our {$4000.00} earnest money down payment. My husband and I have both served this country for XXXX XXXX years of service and never thought we would be treated this way by a financial institution professing to support military members. For a week now we have been trying to get the credit union to help us get our earnest money back and they wo n't even answer our phone messages.


Date_received: 05/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CA
ZIP_code: 913XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My XXXX account was discharged in a bankruptcy XX/XX/XXXX. It showed up again around XX/XX/XXXX on my credit report ( Trans Union ). XXXX reported a derogatory amount of {$600.00}. This should be removed since it was taken care of in XX/XX/XXXX.


Date_received: 04/28/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: Capital One
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was already being sent a new credit card from Capital One as they had received information that clients may be comprised when shopping at a particular merchant. However, I got my new card, activated it, had it active for about a week, when suddenly i 'm charged {$190.00} from XXXX XXXX XXXX for the old number! Not only was that number supposed to be deactivated, someone was still able to use it to make a new purchase. Capital One claims it is because they will allow subscriptions that used the old card number, to pass through to the new card number ; in other words they are still connected, despite being given the impression that they were not. I told them I have never shopped with XXXX XXXX XXXX and therefore this being a new purchase, regardless if it was a subscription, should have been denied as it was completely new, and therefore a new subscription that should never be allowed to be used on a deactivated card. I had already cut my card up too. The more I spoke with them the less confident I felt in their abilities to protect me from fraud, as because it was a subscription they would just let it be processed without calling me first despite it being an old number that was supposed to have been deactivated. I was told I can call XXXX XXXX XXXX with them to get them to cancel the subscription, but apart from that all they can do is block. But I do n't feel they will really block them. I am upset that they do not understand that if I have NEVER used someone, regardless of subscription, then why would you allow a NEW subscription to be used on a " supposedly '' deactivated card?? I will be speaking with them more but am heavily considering canceling them."


Date_received: 05/12/2016
Product: Credit card
Issue: Credit determination
Company: Discover
State: TX
ZIP_code: 786XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was forced to carry XXXX mortgages and left with over {$20000.00} in overdue bills and damages when the tenants in my California home disappeared in XXXX 2015. I managed to cover everything, but had to juggle and barely made it. I got the house back on the market and sold, but I was financially in trouble until I received the monies from the close of escrow. I called Discover Card and explained to a representative my situation requesting that I be allowed to hold off one additional month and would pay in full on XXXX XXXX or as soon as the mortgage closed. The representative agreed to allow me to do that and said he would notate it in the billing notes. We had an agreement. At no time did he inform me that Discover would report me to the credit reporting companies, my understanding was, we had an agreement. I was finally able to plan on giving my family the new home I had been promising them for several years. Discover turned me in as late to the credit monitoring agencies and caused a XXXX point drop in my credit rating. I had nothing negative on my credit record prior to this. Nothing! Had I realized they would do this, I would have done everything I could have to prevent it, and in reality, thought I had. I had no idea they would do so, as we had an agreement. I called them. They were much less than concerned, one Discover representative telling me to read the full contract after explaining to her that this has placed and unfair, and in my opinion, extreme hardship on me and my family. I 'm retired. I 'm a XXXX and I do n't understand much of the financial working of credit companies and I 'm just trying to survive. But when I make an agreement, I stand by it. This has caused us to have to spend {$1500.00} to {$2000.00} a month more if I am going to give my family the home they deserve, due to a higher interest bracket and having to pay mortgage insurance, all due to the credit report from Discover Card, and their not honoring their agreement with me. Again, my credit was nearly in the XXXX prior to this. It dropped into the XXXX due to it. I feel Discover Card did not properly honor their agreement with me and I feel they should pull the negative report. Especially as I paid them in full as soon as I got the escrow money, holding up my end of the agreement.


Date_received: 05/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: KS
ZIP_code: 667XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
According to all XXXX credit report they have XXXX XXXX XXXX MA XXXX associated with my credit report and in 44 years I have never lived in MA. Therefore I like it investigated and also on XXXX and XXXX Reports they say there is a mortgage in my name associated with this address and I have never opened a mortgage.


Date_received: 04/28/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Company: whenever I submit all the paperwork necessary for a loan modification
Complaint_ID: Yes
Consumer_narrative:
Ocwen took over my XXXX mortgage from GMAC ( for reasons unknown to me ). When they did, my payments went from {$160.00} to {$940.00}. When I tried to get information on why this happened, Ocwen refused to explain and told me to " pay my bill ''. I have been struggling with communication with this company. I know that according the the California Homeowner 's Bill of Rights I have the right to a single point of contact that has decision-making authority of my account. Although they have technically appointed me a "" relationship manager ''

Company_public_response:
 this person is never available when I call. I get transferred to another "" relationship manager '' who does not have the ability to make decisions on my account. Furthermore

State:
 they either 1 ) lose my paperwork ( the first time I faxed it and they claimed to have never received it ) or 2 ) Claim to be missing paperwork ( even though I have proof that I emailed it ). I have paid this company XXXX % of what I owe in a lump sum and they are still claiming that they are going to foreclose on my house in a week ( even though I am current on my first mortgage with another company ). They have not sent me an updated statement even though the loan has been reinstated. Instead


Date_received: 05/08/2016
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: TransUnion Intermediate Holdings, Inc.
State: ID
ZIP_code: 837XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is now going on 3 years, XXXX has removed this debt, but TransUnion is still showing as an open item.


Date_received: 04/07/2016
Product: Debt collection
Subproduct: I do not know
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: Russell W Richardson, Attorney at Law
State: CA
ZIP_code: 930XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
This company has called family, friends, and acquaintances trying to reach me. I have called back and when I refuse to provide my social security #, they say that I will be arrested at my work before the end of the day. I asked them to send me documentation that I owe them something and they state that they do not have to do that. Again, telling me that if I do n't provide a payment while on the phone, I will go to jail. They have even called family member of my family members who do n't even know me.


Date_received: 05/06/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NY
ZIP_code: 117XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I am submitting a complaint about experian credit reporting agency. I just received my credit report again and I went to re-dispute information on there that is incorrect. Experian will not allow me to re-dispute the information. I have XXXX accts that are held with XXXX bank ... .XXXX. I was told by experian a few months ago that I need to contact the bank directly. I contacted the bank and it was confirmed that my accts were not late and should be showing as satisfactory on my report. I received XXXX seperate letters for each credit card company. I sent in the letters as proof and all they did was fix my express account and put that to the satisfactory where it belongs. As far as my XXXX and XXXX cards they are still listing as negative. This has been going on for months as it is affecting my score which is giving me a hardship in obtaining credit etc. I am annoyed that experian will not let me re-dispute the information. This is completely wrong. This is my credit and information on the report is INCORRECT and they are doing nothing about it. I have provided substantial proof probably 4 times already. My question is why would they finally fix my express account and not the other XXXX being all XXXX cards are held by the same bank. This information should have been corrected all at the same time. It just proves to me that they do not do a thourough investigation and do n't care about me sending them the letters from commenity bank telling them these acct 's were not late and they should show as satisfactory. I also had identity theft done with a XXXX card and XXXX XXXX. I contacted XXXX directly as well ... .i filled out the investigation report XXXX sent me and received confirmation after there investigation it was identity theft and the information should be removed from my report. ( which it is ) however the XXXX XXXX acct that was opened as a result of identity theft they are doing nothing about. Experian just keeps updating the information. I am beyond fustrated as this is my credit and not there 's and it is affecting my score.


Date_received: 05/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company_public_response: Equifax reports the reinsertion date as XXXX/XXXX/2016. Either way
Company: i received no notification from Equifax informing me that a previously unverified
State: dormant
Company_response: Equifax
Timely_response: OK
Consumer_disputed: 735XX
Complaint_ID: Servicemember
Consumer_narrative:
Equifax reinserted a previously deleted collection for XXXX XXXX that was unable to verified per dispute " investigation '' results I received XXXX/XXXX/2016. I was just notified of the reinsertion via a credit monitoring alert on XXXX/XXXX/2016. However

ZIP_code:
 and deleted debt has now been verified and re-entered into my credit file. Because the reinsertion has caused an exponential drop in my credit score I too would like information proving the debt is in fact valid and verified. Under FCRA sec 623 I am requesting disclosure of the "" original creditors documentation ''

Submitted_via:
 on file that was used to validate the the data now being reported or removal of data from my credit file."


Date_received: 04/26/2016
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: Bliksum, LLC
State: AZ
ZIP_code: 857XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
94 % interest rate since XXXX I have paid {$4400.00} in interest on a {$6500.00} loan with a large origination fee with a payoff amount of {$6900.00}


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Barclays PLC
Issue: TX
Subissue: 773XX
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Most recently I had a manager call me in XXXX XXXX and she agreed this is a strange case and said she would look into it more and help me. It is now XXXX XXXX and the charge is still on my card, gathering interest. Every time I call the company or the company calls me it ends without resolve. The charged happened at a hotel and the hotel has no record of the disputed charge on their side.


Date_received: 05/01/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Cavalry Investments, LLC
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Calvery Portfolio purchased account # XXXX from XXXX XXXX XXXX XXXX XXXX FL XXXX, which was opened XXXX XXXX and first reported to the Credit Bureau oh XXXX XXXX. Calvery Portfolio changed my Date Opened to XXXX XXXX and First Report date to XXXX XXXX. I filed XXXX disputes with the Credit Bureau and they failed to properly investigate this matter, I called Cavalry spoke with XXXX XXXX employee # XXXX tried to explain to him they are reporting incorrect information to the credit bureau ( the date open is incorrect, last balance is incorrect ) and I would like to have this inaccurate account removed from my credit report, he said he had no way of removing the account and the only solution he offered was to reopen the account to collect more money from me. I would like a investigation done on my behalf because the credit bureau is not do their job in fully verifying the information is


Date_received: 03/14/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Ally Financial Inc.
State: TX
ZIP_code: 752XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a vehicle loan with Ally financial. XX/XX/XXXX, i became unemployed and called Ally to see what my options were. They offered me a two month deferment which was great. They kept saying I needed to sign some paperwork and that they could only mail it. Long story short, after about a XXXX phone calls saying I had n't received the paperwork I got the deferment done XX/XX/XXXX. Meanwhile the reported my account as 60 days late twice and 30 days late twice and it is DESTROYING my credit. I am trying to refinance my home and can not do it with these negative marks on it. I have called Ally frequently because I was assured all negative reports would be fixed. They are saying that the reports are accurate and that they can not verify I never received paperwork.


Product: no entity or person listed on this document
Complaint_ID: Yes
Date_received:
- The original Assignment of Security Deed that was created on XXXX XXXX, XXXX was not recorded on my property in any XXXX as per my investigation and was fraudulently signed by someone other than the person stated and was assigned to " BLANK ''


Date_received: - This original Assignment was not only not recorded into public records
Subproduct: XXXX Bank never received my note or Security Deed
Issue: nor has any authority to foreclose on my property. Upon the securitization
Subissue: the note and Security Deed were separated
Complaint_ID: Yes
Product:
 it was never actually obtained by XXXX XXXX Mortgage or XXXX Bank. It was stated by XXXX XXXX Mortgage that the note and Security Deed went directly to the trust at the inception of my loan. That is not the case. To this date


Product: however Unless an asset is transferred into a "" lifetime trust ''
Issue: on or about XXXX XXXX
Subissue: XXXX
Complaint_ID: Yes
Date_received:
XXXX Bank says that they have the right to foreclose on my property because since they are the Trustee they were granted ownership by XXXX XXXX Mortgage

Subproduct:
 the asset DOES NOT become trust property. There was no legal transfer into this trust that claims to be the beneficiary of my note when it was actually assigned to this trust. I can prove it. That means


Complaint_ID: Yes
Date_received:
I have also pointed out to XXXX Bank that a trustee 's act that is contrary to the trust agreement is void. The trustee has allowed the creation of documents that are incorrect and have been completed by proven


Subproduct: McCalla Raymer Pierce, LLC
Issue: GA
Subissue: 302XX
Company_public_response: Consent provided
Company: Web
State: 12/31/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Now they 've created a replacement assignment. XXXX XXXX XXXX not being successors in interest did n't have the authority to do such. They were only the debt servicer. Now XXXX through McCalla Raymer are trying to foreclose on my house."


Date_received: 05/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: FL
ZIP_code: 331XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently reviewed my Equifax credit report and viewed a XXXX XXXX account that is over XXXX XXXX XXXX. I respectfully request that the XXXX XXXX account be permanently removed from my credit report. Furthermore, I also observed the Hard Inquiries that I do n't recall authorizing. XXXX XXXX/XXXX/2016, Florida XXXX XXXX & XXXX XXXX XXXX XXXX/XXXX/2016. I respectfully request that these hard inquiries be removed from credit report.


Date_received: 05/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: NY
ZIP_code: 112XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX XXXX Equifax after investigation remove collection account from my credit from XXXX XXXX XXXX Account # XXXX for {$83.00} conformation # XXXX. In XXXX collection account come up again in my credit. I submit complain to CFPB case # XXXX. In XXXX XXXX XXXX I receve responce from CFPB stated collction was removed. In XXXX XXXX I check my credit and Equifax and XXXX show collection for {$83.00} from XXXX. I need you help to permanantly remove this collection from my credit.


Date_received: 05/10/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: Amex
State: OH
ZIP_code: 447XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have been trying to resolve an American express fraud case since XXXX. I am hearing impaired and can`t hear the people that don`t speak my same language. I was told by an American express supervisor to ask for XXXX supervisor but they keep giving me someone I can`t understand even though I am XXXX and did what I was told to do. I keep getting rebilled for unauthorized charges and now they sent me a letter saying they can`t find the charge for XXXX.see attachments. It is clearly stall tactics so you will give up.I have tried repeatedly. some customer service reps say the fraud claim was not even filed yet I have letters from the fraud deptXXXX was supposedly blocked from billing me yet there it is XXXX/XXXX/XXXX. how do I know it isn`t an XXXX employee or American express employee frauding this card? it should not be this difficult to rsolve. I contacted the fraud dept via fax XXXX/XXXX/XXXX as I was told to do by XXXX an employee in the fraud dept. still no response


Date_received: 04/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: 2016. I paid all XXXX over the phone
State: then XXXX of the XXXX billpays were finally cashed on XX/XX/2016 and it does
ZIP_code: in fact
Date_sent_to_company: I made sure every account is current
Company_response: even making payments a second time for the month of XXXX for XXXX accounts
Timely_response: which billpay checks are being retained by Ditech
Consumer_narrative:
I did not receive anything from Ditech last month. I had my billpay set up for mortgages and they sent out on XXXX XXXX, 2016. Apparently, Ditech updated its computer system for the XXXX week of XXXX. I could not even log in to my account. In addition, Ditech changed all of my account numbers and despite receiving the billpay checks, Ditech " rejected '' payments for XXXX mortgages for ( new ) account numbers. Then

Company_public_response:
 Ditech assessed illegal late fees for each account and proceeded to harrass me by calling me 3 or 4 times a day demanding payment despite the fact they received billpay checks on time. The checks had the old account numbers before XXXX XXXX

Submitted_via:
 state that the check was sent on the XXXX of XXXX. I had to cancel the payments over the phone because they were essentially double payments. Since then

Consumer_disputed:
 but not cashing them. The representatives I spoke with stated that I would be credited back the late fees. However

Complaint_ID:
 this has not happened. All I get over the phone is transfers to full VM 's or I leave a message to be not returned. Further


Subproduct: Navient Solutions, Inc.
Issue: IL
Subissue: 600XX
Company_public_response: Consent provided
Company: Web
State: 05/04/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
With all of the extra money being taken towards undue interest this loan would have been paid off and done with. I believe Navient owes me a sum of money from interest that was not due to them or the loan being considered paid in full. At the very least they should recalculate the loan at the proper interest rate and provide updated loan information as well as remove the co-signer and stop harassing him.


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Company: Capital Alliance Financial, LLC
State: MI
ZIP_code: 481XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had an account with XXXX XXXX opened in XXXX 2009. I defaulted on this when I got sick and was unable to work. I later became XXXX due to this illness. I tried to work with XXXX XXXX but they charged off the debt. Since that time, a debt collector purchased the debt and I have received XXXX Dismissals from my local District Court and then a Summons and Complaint from the same court today about this debt.


Complaint_ID: Yes
Date_received:
In lieu of the above, how can we mathematically have an increasing balance of {$140.00}, XXXX?, given that when I initially filed my first Chapter XXXX on XXXX XXXX, XXXX, my principal loan balance then was {$140000.00} Caliber Home loans approved for interest only payment modification for 5 years however, it was contingently accepted pending on the reconciliation and rectification of the above referenced " irregularities '' and "" pyramiding '' practices by caliber Home loans. Since Caliber Home Loans could not easily coerce us into accepting an unfair interest only payment modification for 5 years without regards of answer to the unapplied and misappropriated

Product:
 excessive and incorrect amounts of late and other fees that resulted to the unfair increased total balance


Date_received: Fact : On XXXX XXXX
Product: XXXX
Issue: XXXX
Subissue: Caliber a"
Company_public_response: Caliber Home Loans, Inc
Company: TX
State: 775XX
Submitted_via: Consent provided
Date_sent_to_company: Web
Company_response: 04/27/2016
Timely_response: Closed with explanation
Consumer_disputed: Yes
Complaint_ID: No
Subproduct:
 Caliber offered us HAMP loan modification of {$1400.00} per month which was higher than our payment on the original note of $ XXXX/month. This offer was not accepted by us. Subsequent request for Mortgage Assistance was flat out denied by caliber Home loans. On Appeal of the denial on XXXX XXXX


Date_received: 04/26/2016
Product: Credit card
Issue: APR or interest rate
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: NJ
ZIP_code: 082XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received my credit card statement with notice that 18.9 % rate is going up to 24.9 % XXXX/XXXX/16. If I do not agree to they will close the credit card which will impact my credit rating. It was done for spite because I filed complaints with your organization.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: TX
Subissue: 763XX
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:
Also the court threw out their complaint XXXX/XXXX/15 Payment Details Pay Period Payment Details Balance Due Status First Half Tax Paid PAID DATE : XXXX/XXXX/15 : {$2500.00} First Half Tax Amount : {$2500.00} {$0.00} Paid Second Half To Pay Second Half Tax Amount : {$2500.00} {$2500.00} Unpaid court rule that wells defaulted by not answering complaint,


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
State: Alliant Capital Management LLC
ZIP_code: OH
Submitted_via: 450XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/12/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I have received a voice mail ( standard non-personal voice mail ) from a company alliant capital management ( on a phone number I 've never spoken to them on ) disclosing I supposedly owe them a debt ( without verifying who they are leaving leaving the message for, on a phone I share with other people ) threating legal action " to the fullest extent necessary '' if I do not contact them within 24 hours. The representative

Company_public_response:
 XXXX XXXX also called my parents and disclosed my debt to a third party. This is a complete invasion of my privacy which is supposed to be covered by the FDCPA ; who also is supposed to protect against threats by debt collectors. Also I am stating that I am unaware of such debt or the means of this debt."


Date_received: 05/06/2016
Product: Credit card
Issue: Advertising and marketing
Company: Amex
State: OH
ZIP_code: 451XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently had a horrible experience with American Express. I went to the XXXX Rewards site to book a hotel. Off to the right was an offer to recieve XXXX off the stay if I apply for an American Express card. So I apply, it goes thru and I try to book my room. I find out I do not have the number for the card or any information to reserve the room. I call customer service, they ca n't help me. I go online to get the information from the account site and they can not help me. So where am I supposed to get this XXXX for applying for the card. I spent an hour on the phone with AMEX and XXXX Rewards. In the end I just cancelled the card. No one needs this false advertisement or hassle. I 'm to the point I will highly recommend our company stop using the corporate cards we have. Why advertise something you are not going to deliver on?


Date_received: 05/03/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: Webster Bank
State: OH
ZIP_code: 435XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
have attempted to transfer my hsa account from HSA bank to XXXX XXXX since XX/XX/XXXX.2 or 3 attempts were made by XXXX XXXX and they indicated no response from HSA bank and when I contacted XXXX by phone their rep found the 20 to 30 minute phone delay to speak to anyone was the norm. So I attempted to contact XXXX where my investment portion of the was and see if HSA bank had contacted them and secondly if there a backdoor means to contact HSA Bank but the rep said no and he told me just to wait 30 minutes on hold. I finally sent another e-mail to HSA bANK about the the inability to reach a rep ( 20 to 30 min. hold time ) versus a one min. hold time at XXXX XXXX and a nice rep at HSA bank helped over the course of a few days to try to figure out where the problem. We finally figured out that the investment portion had to be resolved first but no indication of the problem was stated in the first e-mail I received. It SEEMS every effort is made prevent the customer from transferring their assets to a different place.AS of today another XXXX to 10 days after the investment funds have been made liquid and in their cash account, there is no movement.Every month I am charged a fee of {$5.00} a month and I have not used this account all year waiting for the transfer to take place. Each month this goes on I have no access to the funds either to use or invest but the fees keep coming and their is no one to penalize or force HSA bank to make this transfer.A 3 TO 4 month seems quite unreasonable.


Subproduct: M&T Bank Corporation
Issue: NJ
Subissue: 079XX
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:
M & T was no help at all. One person there said they attempted to contact me via phone regarding the draft.When I made a follow up call, the woman I spoke to had no phone number on file.


Date_received: 05/01/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Company: JPMorgan Chase & Co.
State: NY
ZIP_code: 100XX
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 defaulted on my loan and could n't make the {$400.00} a month payments they wanted me to and now they are harassing me. For instance, they called my brother 8 times one day up to XXXX at night, but they were n't calling me. They wo n't negotiate with me and tell me I owe everything at once, {$19000.00}. I could afford to pay $ XXXX {$150.00} a month, but not {$400.00}.


Date_received: 04/13/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: VA
ZIP_code: 231XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XX/XX/2016 I have applied for a mortgage to refinance my house mortgage. I have provided my three year tax return my XXXX and other required documentation. Today is XX/XX/2016 I do not have any respond from the bank of America to know if they will approve my mortgage or they will deny. I have made few calls to my loan officer and XXXX XXXX XXXX the loan manager but still no any respond.


Date_received: 06/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: NJ
ZIP_code: 070XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have tried for months to get Transition to remove XXXX inquiries listed on my credit file because they are not mine and/or I did not authorize. I have an identity theft file with FTC since last year. They refuse to remove them and my credit rating is being affected tremendously. Recently, I had them add a security freeze to my credit file to prevent any more unauthorized inquiries. I want these inquiries removed immediately. Please help me!


Date_received: 05/03/2016
Product: Credit card
Issue: Advertising and marketing
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: NC
ZIP_code: 277XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Citibank is using past contact about fraudulent use to induce card members to fill out their survey. I almost filled out the survey because I thought the fraud warning required it. I was almost duped! This is deceptive!


Date_received: 04/27/2016
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: GA
ZIP_code: 302XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
when the economy folded my business failed as well as a XXXX my money was cut XXXX percent. then marital problemsI was transferred to Boa from Countrywide Mortgage and has had problems every since, feel back on my mortgage with bank of america missing XXXX payment on a modification with countrywide, I had just buried my mom and was a few days behind because of the stress that I had to take on, I have worked with approved and other housing counseling companies trying to obtain a Boa modification. At first, boa policies were you could only apply every 24 months then about 2 years ago the policy changed. I was denied a modification because I did not make enough money to prove my financials being self employed, of course 2 years had passed.After having numerous account managers who never submitted my docs to the new one in charge, I always had to submit new docs.. this has gone on for years ... now I have XXXX housing counsel and we have been submitting docs. this time I have to submit the same docs again ... .7 or 8 months ago ... .I was XXXX percent away from in housing modification ... .I started making XXXX more per pay period and we submitted documents again, and we are still having to submit the same package again today. the process of the foreclosure has ruined my credit. each time I filed bankrupt was due to bank of america mortgage, each time I get started a new rep ...


Product: increase cost of insurance etc Thank you all sincerely
Subproduct: XXXX"
Issue: Company believes it acted appropriately as authorized by contract or law
Subissue: LoanDepot
Consumer_narrative: TX
Company_public_response: 774XX
State: Consent provided
ZIP_code: Web
Submitted_via: 05/11/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Date_received:
Per RESPA, they must " make you whole '' for any adverse action cause by their late payment. Up to and including the loss of home/equity


Date_received: 05/02/2016
Product: Credit card
Issue: Delinquent account
Company_public_response: 60days/XX/XX/XXXX
Complaint_ID: Yes
Consumer_narrative:
XXXX : XXXX ; XXXX : XXXX In XX/XX/XXXX/XX/XX/XXXX, I signed up for a payment plan with AMEX to pay off my Green Card. Prior to signing up, I was informed by AMEX that my account would NOT be reported to the credit reporting agencies as delinquent on an ongoing basis. Contrary to what they informed me, AMEX began reporting my AMEX account as delinquent to the credit reporting agencies beginning in XXXX XXXX. They reported " serious delinquencies '' : 30days/XX/XX/XXXX


Complaint_ID: Yes
Date_received:
I pulled my annual credit report again in XXXX XXXX only to find that AMEX had AGAIN started reporting the same delinquencies to the credit bureaus after I cancelled my AMEX account. I disputed these once again in XXXX XXXX with XXXX and XXXX to no avail. I once again contacted AMEX. AMEX Customer Service advised that I would need to speak to the Credit Bureau Unit ( CBU ) to clear up my account and transferred me at this time. I spoke with XXXX in the CBU who informed me that the delinquencies were still showing on Customer Service 's end and that I would need to clear this up with them first. XXXX then transferred me back to Customer Service. XXXX in Customer Service proceeded to inform me that "" as of XXXX XXXX moving forward there is nothing on AMEX 's end to correct '' and that I should submit a copy of my credit report to AMEX CBU. I was told several times by XXXX that there was "" nothing to correct '' on AMEX 's end. When I questioned his reference to XXXX XXXX forward ( the delinquencies were reported in the prior months ) and threatened to contact CFPB and an attorney


Date_received: To date
Issue: Amex
Subissue: NH
Consumer_narrative: 030XX
Company_public_response: Servicemember
Company: Consent provided
State: Web
ZIP_code: 05/04/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 my credit reports are not fixed. I have had 2-3 creditors drop me because of AMEX 's wrongdoing contributing to a horrific FICO score that dropped down to XXXX XXXX. I have confirmed with XXXX that AMEX corrected the delinquencies w/XXXX back in XXXX XXXX and then began reporting the account as delinquent again which they are not supposed to do. AMEX still refuses to provide me a letter stating the account was never delinquent."


Date_received: 03/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: GA
ZIP_code: 301XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX account paid in for XXXX 2015 this has been left open with no XXXX credit limit. Account was paid in full and closed 2015.


Date_received: 05/10/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: GM Financial
State: LA
ZIP_code: 701XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I bought a XXXX Chev Malibu with about XXXX miles on it from XXXX XXXX XX/XX/XXXX that was sold to me deceptively.The salesman XXXX lied to me about what was wrong with it a When I asked about a concern during the test drive, he lied about the number of owners the had stating that the car had just been traded in a couple of hours before I came in to buy the car by an elderly couple, hence the low mileage and failed to tell me that they, XXXX XXXX had made a repair to the transmission in XX/XX/XXXX.3-4 mos.later the car stopped working totally and needed new transmission.After abt 2mos of back and forth with gm and the dealers owner giving me the run around and just not wanting to help even though they were deceptive, I had to pay XXXX and was reimbursed XXXX.I should not have had to pay anything.i was without a car for almost 2mos.After practically begging the dealership I was given a loaner 1 day before my car was repaired.Im a single parent and having to pay to get around for almost two months and having to come up with that much money was like having to come up with a XXXX.Gm decided to make arrangements after almost XXXX mos.They initially refused to due to the loan being too new.They financed a car that was sold to me deceptively and put me through so much to finally give me arrangements.This issue caused me to fall even further behind on other bills including my mortgage in which I had to get modified around the same time frame of XX/XX/XXXX.I have a mortgage that I have fell behind on now again and it 's going into default again.gm reposessed the car on Mother 's Day because it was 3 mos behind in which I thought that it was 2mos behind.im a single parent and I am employed.I have household bills, mortgage, tuition, my daughters graduation, a daughter in college and it 's has been impossible to do everything because I have not been able to catch up due to their car needing a new transmission and all of the other financial strains that caused me.Its not fair and I would like to know if there 's anything that can be done because I was deceived and it has caused everything in my life to go downhill financially including my health.I will take any advice that can be given.thank you


Date_received: 05/12/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: the 30 day late reporting was going to stand and as far as they were concerned
Company: the case was closed. So
State: despite me going out of my way to ensure my payment was never late
Submitted_via: they STILL insist on doing nothing about my issue. Never before nor ever since
Date_sent_to_company: in 26 years have I ever been 30 days late paying a mortgage payment
Complaint_ID: MB Financial, INC
Consumer_narrative:
My complaint is with MB Financial Services. They are my XXXX mortgage holder on my home and they are the most unreasonable and condescending company I 've ever dealt with. Here is my complaint : I was displaced from my job XX/XX/2014 and was unemployed for 4 months. I have always had a perfect mortgage history in the 26 years I 've owned homes, evidenced by perfect credit ratings on almost XXXX mortgages I 've taken out over the years. Although I was unemployed and had limited income, I was determined I would not allow my mortgage payment to be late. Out of necessity, I found myself making my mortgage payment on the last day of the month. I would pay via MB Financial 's automated phone system and they would take it out of my checking account. Alhought I had paid this way on numerous occasions, MB Financial did not retain my checking account information, which many companies do, and therefore I was required to input the same bank info, checking account number and routing number each month. I paid my mortgage payment via their automated system on XX/XX/2014. However, this particular day I struggled to get to the area on their automated system which allowed me to pay because their system kept asking me to input my loan number repeatedly. It claimed they could not recognize my account. I knew I was inputting the correct number so clearly they were having issues with their phone system. Nevertheless, I ultimately got to the section to where I could make my payment and did, receiving a confirmation number the payment had been accepted. Several days later, I was checking my bank account and notice the payment had not been taken out by MB Financial. I immediately called them to inquire why it had not been taken out and they very demeaning implied it was because I had input the wrong account number and therefore the payment never went through and now I was going to be reported that my payment was 30 days late to the credit bureaus!! I advised them that I had never had a problem with the payment going through before and that on that day I had struggled with their automated system accepting my account information. The representative from MB Financial that I spoke with and subsequently one of their supervisors implied I was lying to them and it was clearly my fault that I input the checking account information wrong and they intended to nothing about it. I told them I went out of my way to unsure their payment was paid in the month it was due and that I could supply them with my bank statement showing the money was there to be extracted, but again they were more intent on being " right '' than doing the right thing and backdated my payment to the date it was actually paid. I subsequent wrote to their CEO asking for his intervention. I received a reply letter their Customer Service group weeks later which again implied I was in the wrong

ZIP_code:
 paying via their automated system for several months without issue and despite the challenges that I encountered that day ( XXXX/XXXX/14 ) with their automated system recognizing my account info

Company_response:
 but MB Financial is insistent I was at fault and they refuse to amend my credit report. I am pleading to the CFPB to intervene on my behave. I have no doubt that I am not at fault here and my mortgage rating should reflect never been late. I can provide you with a payment history and my bank statements

Timely_response:
 showing the funds were available to be taken out. This gross error in reporting on MB Financial 's part has prevented me from refinancing my loan and being rid of them."


Subproduct: which is not fair to me."
Issue: Company believes it acted appropriately as authorized by contract or law
Subissue: National Collection Systems, Inc.
Consumer_narrative: AZ
Company_public_response: 851XX
State: Consent provided
ZIP_code: Web
Submitted_via: 05/11/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Date_received:
The collection agent who originally called me from NAT'L CR MGT was so rude and talked to me like I was a 2 year old. He was very combative. When I explained to him I would make payments to XXXX, I am just trying to figure out why they sent this to collections ... his response to me was : " Well then I will just tell them you are refusing to pay altogether. "" .. I said No! I am not refusing to pay

Product:
 I am trying to figure out what they told me they would not send it to collections and still did. and he responds stating the same thing : "" I will just tell them you are refusing to pay. '' He was basically trying to slyly threaten me into paying. I asked to speak to a supervisor and informed I did not want him calling my phone ever again because he was trying to lie about my issue to XXXX. I also complained to XXXX but they have done nothing but say they can only go off of email record and not over the phone


Complaint_ID: Yes
Date_received:
XXXX XXXX was our original creditor and as the chain of title with lack of registering any transfers according to the laws of the State of Texas


Date_received: The damages for wrongful foreclosure
Subproduct: including the loss in value of your property
Issue: the costs to you of having a poor credit rating because of the foreclosure
Subissue: the costs of moving elsewhere
Consumer_narrative: emotional distress
Company_public_response: and various other costs
Complaint_ID: Yes
Product:
 particularly a willful ( or knowingly ) wrongful foreclosure ( in a non-judicial foreclosure state ) can be quite substantial


Complaint_ID: Yes
Date_received:
The mortgage began in XXXX of XXXX and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX


Date_received: 05/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have called XXXX, Equifax and XXXX in regards to XXXX the incorrect balance on my credit report and incorrect 1st Reported Delinquency, with incorrect account closing date. They will no longer investigate and dispute the information because I have already disputed the information previously. Although they have already updated the information it still display the amount owed of XXXX. Anyway I try to get the information updated they will not disclose the correct information regarding the account listed on my credit report.


Date_received: 04/25/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company: JPMorgan Chase & Co.
State: LA
ZIP_code: 708XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been working for more than a year with Chase Mortgage company XX/XX/XXXX trying to get an assumption modification on my our family home and deceased mothers home.Month after month. Getting paper work after paper work, notaries, lawyers, signatures. Only to be told in XX/XX/XXXX Chase, XXXX denied me the opportunity after almost a year, because its not my primary residence. And refused to make a reasonable affordable payment arrangement to catch up the note. Instead demanding {$5000.00} plus to reinstate the loan.. During the modification process I was told not to make payments, that they would make arrangements with me to catch up the payments.They refuse to accept any monies from me and they made unreasonable requested amounts. That I could not afford. Now XX/XX/XXXX they have sent me letters stating to accelerate the loan/ foreclose if I do not bring the loan current {$11000.00} approximately. And they have transferred my loan to XXXX. Please help me save my home. Cant ' some one make payment arrangements with me without the run around.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: CA
Subissue: 908XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 03/29/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
4. ) The inquiries on my credit have been for a purchase of a vehicle. I inquired for a vehicle loan within a month and this should not affect my credit report, please correct this.


Date_received: 04/06/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: Impac Mortgage Holdings, Inc.
State: CA
ZIP_code: 907XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I was approved XXXX XXXX for a loan modification by Impac, the investor of my loan and XXXX XXXX XXXX is the servicer of the loan. I got a step rate and it was going to increase to 3 % in XXXX XXXX. Therefore, prior 3 months prior to that date, I contacted Impac once again to ask that they extend my modification and keep me at 2 % interest rate for another 3 years. On XXXX XXXX, XXXX, I was approved for another modification, in writing, which was accepted and executed by me. At the time of the approval on XXXX XXXX, XXXX, XXXX XXXX informed me that I should continue making my normal payments at the 2 % interest rate. XXXX further informed me that XXXX XXXX XXXX would take up to 8 weeks to send me the final modification documents. After 8 weeks, I called XXXX XXXX XXXX and they confirmed with me verbally over the phone that my rate was at 2 % but when I would ask about the final modification documents, they acted as if they didnt know what I was talking about. I sent the modification to XXXX XXXX XXXX 3 times and they still claimed they did not receive it. They even received it from Impac and XXXX XXXX XXXX is continuing to refuse to honor the modification. XXXX XXXX XXXX is playing games with me I am so tired I have been dealing with this for months. Why is XXXX XXXX XXXX not honoring the modification that the owner of the loan granted me and that I accepted. Now, because XXXX XXXX XXXX is refusing to honor this modification, I am considered delinquent because they now changed the terms of my loan to the 3 % when in fact pursuant to the terms of the modification agreement I accepted XXXX XXXX, my rate of 2 % is extended until XXXX XXXX. Please I pray that you help me with getting XXXX XXXX XXXX to honor the loan modification that was offered to me, XXXX You.


Product: I did not feel comfortable. At this point
Complaint_ID: Yes
Date_received:
My journey started when I applied with SoFi for a {$25000.00} personal loan. My application was submitted approximately XXXX10 days ago. I completed and uploaded everything requested from this company. About XXXX7 days later, I called to inquire about the status of my application. At that time, I was told that " no one had looked at it yet and it would be assigned right away. '' Based off the conversation I had with the representative

Subproduct:
 I saw on the site the CEO of the company lists to email him directly with any feedback about the process. I did just that and also listed out my experience in lending and asked

Issue:
 based off what they "" advertise '' that they look beyond a few factors I know that would come up. No it is not bad credit ( XXXX score )


Date_received: After sending this email
Product: someone was finally assigned to my loan. At first
Issue: I got the call. "" XXXX XXXX
Subissue: you are approved. We worked everything out with your income
Consumer_narrative: we can use it. I just need you to email you XXXX and XXXX XXXX 's. '' They had everything else
Complaint_ID: Yes
Subproduct:
 the woman on the phone did not understand my bonus / commission income. I was asked to send my employment contract and that she would "" talk to a manger '' to see if they could do it. This morning


Date_received: As you can see from my email attached
Product: I was very transparent. They pulled my credit
Complaint_ID: Yes
Subproduct:
 it was a XXXX and my income based off the call I got this morning was "" acceptable and you are approved. '' I have been in XXXX 18yrs. I understand things happen. In this instance

Issue:
 there is nothing here for them to deny my loan. They basically are discriminating against me because I emailed the CEO. I do n't want people to get hurt anymore. Shallow promises are not what our country is about. I am a veteran XXXX


Date_received: I would also like to point out
Product: based off the XXXX C 's of lending ( Credit
Subproduct: Collateral and Capacity to repay )
Consumer_narrative: Social Finance, Inc.
Company_public_response: FL
Company: 321XX
State: Servicemember
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 04/27/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1893478
Issue:
 none of these are negative for them to deny my application for credit. They have shown me no proof of such and are in direct violation of the CFPB 's rules about discriminating against a consumer that qualifies for a loan."


Date_received: 03/17/2016
Product: Consumer Loan
Subproduct: Personal line of credit
Issue: Account terms and changes
Company: OneMain Financial Holdings, LLC
State: FL
ZIP_code: 331XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by SPRINGLEAF FINANCIAL SERVICES on XXXX/XXXX/2016 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.


Date_received: 04/25/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Complaint_ID: Yes
Consumer_narrative:
MEFA XXXX harassment and threats. We get multiple mailings and calls harassing us that our loans are " in default

Company_public_response:
 '' even though I have paid in advance and have automatic bill payments sent at the same time every month ( not auto withdrawal ). When we set up the loan ( s )

Company:
 we were never told that every semester there is a whole new loan and account assigned to each student so I had NO IDEA that my monthly payments were going to a non-early repayment account vs. the monthly payment account. 1 year after trying to resolve this


Date_received: Recently
Subproduct: which we did. They then came back and said we were not only in default
Complaint_ID: Yes
Product:
 I was laid off and we called to adjust the terms of an in school payment plan and they said we needed to fill out a slew of paperwork


Subproduct: MEFA
Issue: NH
Subissue: 030XX
Company_public_response: Consent provided
Company: Web
State: 04/27/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This company borders on illegal and threatening behavior that I feel needs to be investigated and monitored for illegal practices and federal and state action should be put in place to force them to change their practices."


Date_received: 03/28/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: NY
ZIP_code: 112XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Wells Fargo sent me a letter stating that I have an outstanding water board bill and that if I do n't pay it, they will pay it from my escrow account and then adjust my monthly payment. Problem is I do n't have an outstanding water board account. No one could tell me what a water board account was and I was told it was different from my water bill. When I inquired as to where they got this information, no one was able to give me a straight answer and they gave me the run around. I do n't know what to do.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Freedom Mortgage
Issue: NV
Subissue: 894XX
Company_public_response: Consent provided
Company: Web
State: 03/17/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
The next day a title co. called me regarding a refinance with Freedom mortgage. Also, when I called the Freedom mortgage loan officer he told me he ran my credit after an agreement I would not consider opening a refinance with them.


Date_received: 02/26/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company: McCalla Raymer Pierce, LLC
State: GA
ZIP_code: 302XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
RELATED TO CASE XXXX XXXX BANK ATTORNEY McCALLA RAYMER WAS REQUEST INFORMATION ON HOUSE FRAUDANTLY SOLD AT AUCTION. REQUEST INFORMATION ON SALE. SUCH AS AMOUNT, TO WHOM, VALIDATION OF PURCHASE, AND TITLE INFORMATION. THIS LED TO ASSISTENCE OF DISTRICT CONGRESSMAN, WHOM HAS BEEN MONITORING THIS ACTION OF ROBO SIGNING ON DEED AND MERS AND XXXX XXXX XXXX


Date_received: 05/08/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Colony Brands, Inc.
State: MA
ZIP_code: 013XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
Hi I was informed on XXXX that i had XXXX bills at my moms house My niece who i havent spoken to for years got my ss # and tried to establish numerous accounts XXXX in particular allowed her to use it montgomery ward for XXXX for a small netbook i found this out my tracking the package an the post office in turners falls told she called an asked her to hold it for her i told them i 've been scammed an told them i will pick it up with the police to send it back as of now case is ongoing Her name is XXXX i meet with the detectives monday am i did credit card check an she tried numerous times


Date_received: 04/07/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Settlement process and costs
Company: Ocwen
State: FL
ZIP_code: 322XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX Bank without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.


Date_received: 05/02/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Company: AES/PHEAA
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been given little to no options on repaying my loans. I can not afford my current payment and there is no help!


Date_received: 04/14/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: FL
ZIP_code: 331XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/2016 I disputed a collection account on my Equifax file on XXXX/XXXX/2016 I got a letter from Equifax dated XXXX/XXXX/2016 stating their investigation was finished and the results are that the account was verified and that additional information was provided. On XXXX/XXXX/2016 I received a letter from the collection agency stating they could not verify the account right now and that they need more time. Equifax has violated my rights and falsely verified a collection account.


Subproduct: AmeriHome Mortgage Company, LLC
Issue: TX
Subissue: 750XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
We have kept our agreement, and they are suppose to be working with us on this! Now, now they are threatening to us with letters! What are we suppose to do?


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Company: Portfolio Recovery Associates, Inc.
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Collector named, XXXX XXXX of Portfolio associated and XXXX, who both claim to be in management, refused to transfer me to management after I stated they are abusive on the phone. They would not transfer me to management, and hung up on me. All this is after I sent a letter to CEASE CONTACT, in writing.


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: I.Q. Data International, Inc.
State: TX
ZIP_code: 782XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was in a joint lease in some apartments and moved out 2 years later. My ex ( which whom I resided with at the time ) renewed the lease for 2 years after I moved out. The apartment complex is stating that I owe {$3000.00} for a broken lease in which my ex broke. I stated that I did not re-sign lease for the consequent years and should not be responsible for this debt. The new debt collector refuses to give me proof of the debt nor will they furnish the original contract which was signed stating that I am responsible, and they are very rude and belligerent on the phone. I have been dealing with this debt collector for a couple of years now and they still refuse to send me proof of debt, however this remains on my credit report. When they offered for pay to delete services, they wanted me to pay first without giving me a letter honoring the pay to delete services. Basically, I really need to resolve this debt, however, they are not giving me any proof of it, nor are they letting me pay the bill without proof of payment or payment deal being offered.


Subproduct: Amex
Issue: WA
Subissue: 980XX
Company_public_response: Consent provided
Company: Web
State: 05/08/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
2. Not making my points available for redemption when I needed them 3. Making me run from pillar to post to claim something which I am legally entitled to as per contact.


Date_received: 06/23/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
ZIP_code: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Submitted_via: Bank of America
Date_sent_to_company: MD
Company_response: 211XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
bank of america is reporting on my credit report an " education '' loan or XXXX opened in XX/XX/XXXX. it is being reported on a monthly basis as a derogatory account ( charge of /profit and loss ) yet theres a past due amount reported monthly. ive called bank of america spoke with their fraud department 's representative XXXX and a XXXX in their customer service unit XXXX in California. XXXX gave me a confirmation number of XXXX for a research request. I also went in person to a Bank of America Home loan stand alone location in XXXX

Company_public_response:
 Maryland today XX/XX/XXXX no one has been able find this account being reported on my credit report. my student loans were all federal student loans through the dept of education. they are current

Company:
 paid on time. im trying to buy a home and my mortgage lender wont move forward because bank of america is reporting with a past due balance. ive tried to validate this debt and dispute this through the bureaus. bank of america is listed on the credit report with an address of XXXX XXXX

State:
 fl XXXX telephone XXXX account number XXXX yet no one can find this account number or find this loan through my social security number. experian states that due to the age of the account it should not be reported on my credit report but its done monthly with a past due balance"


Date_received: 03/09/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company: Prosper Marketplace, Inc.
State: OH
ZIP_code: 450XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Prosper Loans is illegally reporting a past debt that is over 10 years old and I filed bankruptcy on to the credit bureaus. They are changing the dates to make it look like a more current loan so they can keep it negative on my credit. I filed bankruptcy on this debt 10 years ago and even the bankruptcy has been removed from my credit due to reporting time limit of ten years. I contacted prosper and they refuse to fix it and said to contact credit bureaus but they do n't do anything as. Prosper continues to report the debt and did so XX/XX/2016 as seen on the attached screenshot. I just wonder how many other people they have illegally done this too.


Date_received: 05/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: NJ
ZIP_code: 088XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax- XXXX XXXX Account # XXXX Equifax has continually listed the incorrect information on my credit file for over 1 year. I have been disputing this account and Equifax has continue to say that the Account was verify and is correct, I also did a consumer dispute with CFPB # XXXX against the original Credit XXXX XXXX which have verify the Equifax is reporting the incorrect date for first delinquency date which is causing the negative account to remain on my credit report and this account should have been purge/deleted XXXX XXXX. I disputed the account again after I got the letter with t with Equifax on XXXX/XXXX/XXXX confirmation XXXXand was given the same response even with the letter from XXXX was attached to the dispute. This is affecting my credit as I am being denied because of the outdating negative information. This account has been removed from the other Credit reporting agencies XX/XX/XXXX. I need some help trying to get this corrected, all my efforts have failed. I have attached a copy of the letter from XXXX and the results fro Equifax. Thank You.


Complaint_ID: Yes
Date_received:
-Complainants commence this complaint alleging fraud, fraudulent inducement, breach of promise & violations of General Business Law ( " GBL '' ) 349

Product:
 known as the Deceptive Practices Act against XXXX XXXX XXXX . In addition to compensatory and punitive damages

Subproduct:
 complainants seek a declaration that the Affidavit of Existing Lien and Account Close-out Request for a Subordination dated XX/XX/XXXX and Satisfaction of Mortgage with XXXX dated XX/XX/XXXX by XXXX XXXX XXXX on behalf of complainants as null & void


Date_received: -XX/XX/XXXX
Issue: including XXXX & XXXX XXXX. As part of this global resolution
Subissue: XXXX agreed to pay a $ XXXX penalty under the Financial Institutions Reform
Consumer_narrative: Recovery & Enforcement Act ( FIRREA ) and provide XXXX dollars of relief to struggling homeowners
Company_public_response: including funds that will help defray tax liability as a result of mortgage modification
Company: forbearance or forgiveness. The settlement does not release individuals from civil charges
State: nor does it absolve XXXX
Date_sent_to_company: McCalla Raymer Pierce, LLC
Company_response: GA
Timely_response: 300XX
Complaint_ID: Consent provided
Product:
 the US Deptartment of Justice ( USDOJ ) announced a XXXX settlement with XXXX over discriminatory lending practice at XXXX . USDOJ also found that XXXX discriminated against qualified XXXX & XXXX borrowers from XX/XX/XXXX to XX/XX/XXXX - minority borrowers who qualified for prime loans were steered into higher-interest-rate subprime loans. Further

Subproduct:
 the XXXX in XXXX XXXX reached a XXXX settlement with XXXX to resolve Federal XXXX State claims against XXXX & its former & current subsidiaries

ZIP_code:
 its current or former subsidiaries & affiliates or any individuals from potential criminal prosecution."


Date_received: 03/17/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: AZ
ZIP_code: 853XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I contacted the mortgage company and explained i would no longer be able to make my full payments due to loss of wages. They suggested i try to sell the house on my own as a short sale. I followed their advise and tried for several months to sell the home. Several offers were submitted and each time they took too long or changed the price. At the end they had told me if i gave the home back to them it would only affect my credit for 3 years not 7. I just want them to change my status so it is not showing on my credit.


Date_received: 05/05/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: TD Bank US Holding Company
State: CT
ZIP_code: 063XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
A stop payment was placed on an item from XXXX in the amount of XXXX today, the item is currently pending out of the account as of today, XX/XX/XXXX. This item is a charge from XXXX for insurance on a car rental, the reservation is from yesterday, XX/XX/XXXX. XXXX, the car rental company, charged additional insurance at time of vehicle pickup. Their rep failed to see insurance was purchased prior. I spoke with an XXXX rep earlier this evening named XXXX, she was able to refund it but there is a stop payment fee in the amount of XXXX charged by TD Bank. I need this refunded


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: Capital One
State: NJ
ZIP_code: 080XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Back on XXXX XXXX, 2014, a company called XXXX XXXX XXXX called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with Capital One to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, Capital One and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.


Date_received: 03/31/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: DE
ZIP_code: 198XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Good day, briefly ; I experienced financial difficulty complicated by my father 's illness and eventual death in XX/XX/2015 causing me to fall behind on my mortgage. In XX/XX/2015 I went to make a payment and they refused to except it. I requested a loan modification and was denied due to the incompetence of my home preservation specialist. I requested and was granted a new representative who helped with my appeal. My appeal was denied. I sought help from a HUD approved agency as well as consultation from the DOJ and made a verbal agreement with my home preservation specialist ( contact at the mortgage company ) to make double payments until such time as a formal payment arrangement could be made. My first double payment was made XX/XX/XXXX, it was returned in a check a month later just as I was about to make my second payment with a letter stating I was in active foreclosure. A phone call to the DOJ concluded I was not in active foreclosure so I returned to seek help from the HUD approved agency. Several attempts have been made to give the mortgage company a lump payment, approximately half the amount past due with intent to catch-up making multiple payments yet they refuse to accept.


Date_received: 05/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
ZIP_code: Equifax
Submitted_via: NY
Date_sent_to_company: 105XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/12/2016
Consumer_narrative:
On or about XX/XX/XXXX Equifax updated my credit report via a dispute file by me to show XXXX ( XXXX ) tax liens were paid and released from the IRS. Both liens were originally filed XX/XX/XXXX and XX/XX/XXXX respectively. I then filed another dispute with them to remove both, as the rules states " Paid tax liens XXXX remain for up to XXXX years from the filing date and 10 years if not paid. '' Both liens have met this criteria as it 's now past 7 years since filed paid/released. Equifax removed XXXX of the liens ( filed XX/XX/XXXX ) and insist on leaving the other ( originally filed XX/XX/XXXX ) on my profile. I was recently told by Equifax via phone

Company_public_response:
 that it will remain for an additional 7 years from the release date of XX/XX/XXXX. Both were released at the same time. I had the very same item deleted by XXXX without any problems. I was told and confirmed by XXXX that the item met the criteria to be deleted. However

Company:
 Equifax insists that the 7 year clock to removed does not start from the original filed date of the tax liens but when released. This claim is not consistent with my experience with XXXX. It is very unfair that the same account would be victim to another 7 years of negative reporting. Please see the attached Equifax credit report documents and the confirmation from XXXX in support of the same account. I am requesting the remaining tax lien deleted from my profile as reported by Equifax in keeping with the rules as outlined by the FCRA. Thank you."


Date_received: 04/27/2016
Product: Credit card
Issue: Rewards
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: USAA Savings
State: OR
ZIP_code: 973XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have XXXX credit cards with USAA Bank in XXXX XXXX. They are all Cash Back Cards but they do not tell you on your statements how much you have earned. In addition I asked to receive the cash and they try to get me to get gift cards, etc instead of the cash they owe me. They can not tell me, by card, how much cash I have earned and they try to make you jump through hoops instead of giving you the cash they owe you. I have been trying to get my cash back since XX/XX/XXXX and have been unsuccessful. The credit card dept. says the " rewards dept. '' handles that and the "" rewards dept '' says the credit card dept handles that. 4 month and NO CASH. THIS IS JUST PLAIN FRAUD."


Date_received: 05/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: WA
ZIP_code: 986XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The collection agency the account was on removed it from my credit report, but when i checked my report trans union still has it as a open account.When i called them she said the collections had not gotten a hold of them, ( which they had ), and that once they did it would take a month for them to take it off my credit report. Why??? I do not understand why it takes 30-45 days to take a account off that never should of been sent to collections in the first place? I do not have a month-45 days to wait.My mom is XXXX and i need to get myself set up in a apartment,


Date_received: 04/20/2016
Product: Debt collection
Subproduct: Non-federal student loan
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Access Group
State: AZ
ZIP_code: 863XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX, a dubious debt collector, is making false statements claiming that I am not making direct payments on my student loan debt to the student loan company, XXXX. These statement ( s ) are adversely affecting my credit report. I have in fact continued to make monthly payments each and every month to XXXX without fail and furthermore XXXX has continued to receive and deposit these payments into their account.


Product: '' 91 Stat. 874 ( XXXX )
Subproduct: 15 U.S.C. 1692
Issue: as amended
Consumer_narrative: as amended."
Company: Federal Adjustment Bureau, Inc.
State: OH
ZIP_code: 432XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Date_received:
( G ) Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act

Subissue:
 or deprives any debtor of the right to assert defenses as provided in section 1317.031 of the Revised Code and 16 C.F.R. 433


Date_received: 05/12/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company: Selene Finance
State: CT
ZIP_code: 060XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I just called in to schedule a payment with my mortgage company and they are refusing to take the payment unless I can bring my account fully current all at once. We are 4 months behind and also owe this month ( 5 months worth ). We only fell behind because we were in the process of working with our mortgage company to get our loan modified. This process took over a year and, in the long run, they cancelled our modification without our permission because we fell outside of their timeline due to the fact that we were waiting for them to respond to something we requested in writing. I have made several complaints about this mortgage company and so far nothing has been done in our favor. The only reason we even have a mortgage with this company is because our mortgage keeps getting moved by the government due to fraudulent lending practices. Each time we are moved to an increasingly fraudulent lender and our account suffers as a result of this. It has been an ongoing battle with mortgage companies since at least 2007.


Date_received: 03/19/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
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: Wells Fargo & Company
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Wellsfargo Asc is a tax that I paid XXXX in interested when it was a deeds liun that that 's false find the document and it also says I 'm texting and driving to home I do not been home I agreed to the terms of the main and with the home and the date that I saw that they allowed me to pick so and I was n't home and tax so it 's first try a document scenario is a predatory lending but it 's also frustrating not to mention you use my utilities after I request them to be turned off the day after I moved


Date_received: 05/02/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: Santander Consumer USA Holdings Inc
State: VA
ZIP_code: 232XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I applied for a loan on Saturday to get a car and found out that Santander was reporting me as late four times for 90 days. In actuality, I requested Santander to pick-up my van XX/XX/XXXX as a voluntary repossession. They repossessed it a few days before XXXX XXXX XXXX. XX/XX/XXXX, they contacted me acting as if I still had the car. I had to contact the company that had repo'ed the car to provide proof that it was not returned to me. Fast forward to this past Saturday when I found out that XXXX has never reported the repossession but has it as if I still have the car but am in arrears! The last time they reported was in XX/XX/XXXX which dropped my XXXX credit score from XXXX to XXXX! As a result, I was unable to received bank financing for a car!! Since they have reported me 90 days late since they repo'ed the car, I suspect my credit score has been taken a hit since then. This caused me not to be able to get a house through FHA because my score was too low!


Date_received: 04/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX- collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.


Date_received: 2. XXXX XXXX has an "" OPEN '' type of tradeline
Product: when they can not 3. The Date Opened is NOT ACCURATE
Subproduct: as NO TRADELINE was ever opened with them 4. As a DEBT COLLECTOR an ORIGINAL CREDITOR is required
Issue: and DOES NOT EXISTS 5. The DATE OF FIRST DELINQUENCY
Subissue: then is also NOT correct because no CREDIT GRANTOR account was ever established with thm
Consumer_narrative: nor - is there any contract 6. The CREDITOR CLASSIFICATION
Company: because the accounts ' DATE Opened is XXXX/XXXX/2012 8. The ACCOUNTS PAY STATUS
State: is invalid - the value displayed is for CREDIT GRANTORS ONLY 9. The ACCOUNT BALANCE
ZIP_code: AMOUNT PAST DUE and LAST ACTIVITY DATE are all invalid 10.The ACTIVITY DESIGNATOR - is innacurate
Submitted_via: according to METRO XXXX 11. The Months reviewed
Company_response: is also not allowed to have a pay history This account is wholly inaccurate
Complaint_ID: Yes
Company_public_response:
 is not valid or even possible because XXXX can not be a credit grantor 7. The DATE OF FIRST DELINQUENCY - can not be true

Date_sent_to_company:
 is NOT a field allowed to be used by a DEBT COLLECTOR on any file sent to a CRA 12. A COLLECTION ACCOUNT


Date_received: Additionally
Complaint_ID: Yes
Product:
 I believe this account is invalid because any original creditor that I had a balance with years ago


Subproduct: Equifax
Issue: NC
Subissue: 270XX
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
When I went to the Free Annual Credit Report website and provided my information " TWICE '' it got to the downloading report message and just stayed there. Nothing was ever down loaded or shown on the screen. I attempted to contact the company but they have noting but a phone look and no way to talk to anyone to resolve the problem. I am afraid my information is out in cyber space somewhere for others to see and I am afraid my credit score has been negatively affected by trying to access my report twice. I believe there is some false information on my report and that is why I was trying to access it along with we are looking to buy a home and wanted the information for that purpose. A phone number is needed for customer service so people can contact and speak with a human to resolve a problem. I even tried obtaining a phone number from the Consumer Financial Protection Bureau to get a phone number for customer service from the Free annual credit report and they did n't have any other than what I had."


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Non-federal student loan
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: Account Control Technology, Inc.
State: MI
ZIP_code: 483XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
This debt was sold because when I requested information from the debt collector they just simply sold the debt to keep from disclosing information. This debt collector did not verify they have a license to collect in Michigan and I want them to report to all three credit agencies that this debt is disputed.


Date_received: 03/18/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: CA
ZIP_code: 945XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX, when my loan was with XXXX XXXX, my husband became ill after suffering from XXXX XXXX so I called XXXX XXXX to inquire about lowering my interest rate. I have a pick a payment loan and the interest kept increasing. They never helped me and I also had a XXXX with XXXX XXXX and I was current on that loan. My husband was a war veteran of XXXX and they never offered to fix the loan or give us a break from the pick a payment loan. On or about XXXX XXXX, XXXX, XXXX XXXX returned my equity line check and then immediately thereafter filed an NOD. I was always current with them and why they just sent back my check is perplexing. Then they set a sale date and I struggled to hire various lawyers to help me but nothing really worked. Then files got transferred to Wells Fargo. They would not accept my husband income at the time when he was alive nor did they accept my daughter 's income who lives with me and contributes XXXX as well as renters. I feel that Wells Fargo is just setting me up to fail and they want to keep my over {$600000.00} in equity. They are violating my homeowner Bill of Rights, they are refusing to take into account all of my income and they are discriminating against me for my age as I am XXXX and it seems like they just want to kick me out. I have lived in this house many years and they are treating me like an animal. These big companies should not be allowed to abuse XXXX citizens. I am able to pay a mortgage but I need the loan fixed to a fixed interest rate. I pray that you help my daughter and I. thank you god bless.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: DE
ZIP_code: 198XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing this complain because Equifax has ignored my request to provide me with the docs that their company has on file that was used to verify the accounts I disputed. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly DELETE all info that ca n't be verified. Please fix this matter


Date_received: 05/12/2016
Product: Credit card
Issue: Other
Company: JPMorgan Chase & Co.
State: NJ
ZIP_code: 088XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I requested a copy of the original signed contracts for XXXX and XXXX. Chase is refusing to comply and send me copies. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) -you are required by federal law to verify-through the physical verification of the original signed consumer contract.


Date_received: 05/03/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: CA
ZIP_code: 926XX
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 need some help with saving my home from foreclosure. I am behind in my mortgage payments and am in foreclosure with a sale date scheduled on XXXX/XXXX/16. Wells Fargo/ASC said they would review me for a loan modification and I have provided all requested documents to them. I just need to make sure the sale doesnt take place that is scheduled on XXXX/XXXX/16. Please help me in any way possible, thank you.


Date_received: 05/12/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: NY
ZIP_code: 115XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX I reviewed my credit report and found there was a collection account placed on my credit report from Commonwealth Financial Systems. I filed a dispute with the XXXX credit bureaus in writing on the same day. They updated the account with the XXXX credit bureaus but never provided me with documentation on the debt being mine. The credit reporting agency XXXX gave me a telephone number to reach them because there was nothing else for them to do. I called in XXXX and spoke with XXXX XXXX. He told me that the bill was for someone else who was a minor at the time. I stated that this was not my child nor was I in any shape or form responsible for this person. He stated he would request the medical records/discharge papers to see who signed for this child and to call back in a week. I called back and spoke with XXXX XXXX on XXXX and he stated that the information had n't been received by the client as of yet. I also explained to him that the child the bill belong to was a foster child and a ward of the state he told me to get something in writing and that they would rectify the matter because they see this often with social workers. Then on XXXX XXXX I called back to see if these medical records were received and was told they are waiting on the client to get back to them. On XXXX XXXX I submitted a letter to Commonwealth Financial Systems from the agency stating that this child was under their care. On XXXX XXXX I was told that my account was placed on hold and they would reach out to client relations to find out why. Today XXXX XXXX I spoke with XXXX who was condescending and stated she would hang up on me. She also stated that she has to reach out to the client to obtain the information. They are in violation FCRA laws by reporting a debt that in not mine and harassing me with consistent stall tactics. They also violated the 30 day rule in which they are to provide proof that the debt is valid through investigation.


Date_received: 04/14/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: IL
ZIP_code: 601XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax refuse to remove the public records in my credit file. I have sent identity theft reports, disputed the information and still no resolution. They know they reinserted these public records into my file. Public record # XXXX that is not even my last name on the document. All of these public records should of been removed. Equifax is just stalling and costing me financial pain in the process.I have already seeked legal advice so therefore If not resolved in this complaint I will sue Equifax for willful noncompliance and {$5000.00} for each item they refuse to remove from my credit file. All these items just suddenly appeared in XXXX 2015 on my report. That is not coincidental its Equifax improper reporting of my credit report. And also all of my tradelines were missing and then all of these negative item just reappeared with my tradelines. I have the archived credit reports to prove what I am talking about too. Attach document for what purpose they already have them in their files.


Date_received: 06/22/2016
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: Wells Fargo & Company
State: CA
ZIP_code: 920XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/23/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I bought a XXXX XXXX from a business in XXXX XXXX CA XXXX XX/XX/2016. Part of the purchase I paid with my VISA & the remainder {$1600.00} I used the store 's promo offer of 6 months same as cash - no interest. I only financed {$1600.00}. This financing is through Wells Fargo Home Furnishing - my statements say ( XXXX ). Someone in this string of financing has been allowed to ADD money to my account when I only filed documentation to finance {$1600.00}. At this point - I feel Wells Fargo should NEVER have allowed the business access to my account to make such an entry or maybe Wells Fargo made the addition - that is unclear. & if Wells Fargo DID allow access, they only have paperwork supporting my {$1600.00} financing purchase. Today my bill states I owe {$2000.00} & I have paid {$40.00} each month times 3 months or {$120.00} towards my {$1600.00} bill, making my total due = {$1400.00}. I have talked to both the business ( the business has lost my paperwork - seriously - lost it - XXXX XXXX ) & Wells Fargo ( XXXX different agents XXXX & XXXX on XX/XX/2016 ) -- my consumer recourse is to submit a dispute which could take up to 90 days to resolve. Really? How is any business allowed to debit me in anyway without the proper paperwork? Wells Fargo is my target of this complaint. In 90 days my whole financing agreement will be over. The fact is, there should not be an " open-ended '' account by any organization allowing for money to be debited in a consumer 's name. Period."


Subproduct: First Advantage Corporation
Issue: FL
Subissue: 331XX
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Debtors prison has been done away with. I have had a long slow climb out of debt. To have a job rescinded because of previous debt is ridiculous and beyond the scope or abilities of an Human Resources manager. I agree to have a background check but to use the results of a background as grounds to rescind a job offer is nuts. Credit reporting is mainly a tool wielded by bullies used to justify higher interest rates, and in this case lose a job. Telling the IRS in XX/XX/XXXX that I had been out of work for 18 months was useless, as their prime focus is to pick on people who ca n't fight back. Its what they do. The have a lien on my house. I ca n't sell it without paying off the IRS. Mine is a story of what can happen when XXXX hits the fan but I should not have a job offer rescinded because of previous debt. This is most unfair.


Date_received: 04/25/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company disputes the facts presented in the complaint
Company: Pine Court Holdings, LLC
State: FL
ZIP_code: 349XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I feel the need to put this in front of the powers that be. I am a mortgage loan originator for XXXX XXXX in XXXX Florida. I have made it my goal to help my clients in everyway possible for there home purchases and refinances. I have encounter a lot of hiccups lately with dealing on new home purchases. In particular XXXX XXXX in XXXX XXXX XXXX. I have now had XXXX clients that have purchased there new homes and I have to say that even though there homes are great quality there business practices are appalling. I have to say what they do seems and sounds like Steering to me. Here 's why : When you enter an XXXX home you can clearly see signs about using there preferred lender for No Closing costs ( which is already a lie ) And than after telling a rep of XXXX homes that your financing has been secured they pass your information on to there preferred lender who proceeds to barrage the borrower with emails ... even after telling them there is no interest in dealing with them. It is clear that steering is taking place because it is written in there contracts and told to the borrower that if you do not use our finance company than you will incur all the closing costs as opposed to paying none of them. If XXXX homes has no financial benefit from using there preferred lender than why force the fees that are traditionally covered in our area? Why penalize the borrower thousands of dollar 's? XXXX of there preferred lenders is FBC Mortgage from XXXX Florida. They call the client after a {$1000.00}. deposit is made and ask a couple of questions. They do not run the credit of the borrower, but still send them an approval for a loan. If the home is being built than XXXX can pocket the {$1000.00}. deposit and claim the borrower no longer qualifies and puts the home on the market. This leaves the initial person after months of waiting out of his money and a home! I have read numerous complaints online of this act. It seems criminal and I am surprised to see it continue to happen over the years with no investigation to the process. I do n't know if you receive the complaints on this or if this is the right place for it, but I feel enough is enough with this practice and felt compelled to write about it


Date_received: 05/03/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Santander Consumer USA Holdings Inc
State: NM
ZIP_code: 881XX
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 work for XXXX XXXX XXXX, AZ but lived in XXXX, AZ. We were Furloughed in XX/XX/XXXX and lost wages as a result. Fell behind on a lot of bills, including one for Santander. I tried, but it seemed that the payments never made a dent in the loan to include the late payments. It got so bad that that they threatened to take away the vehicle, a XXXX Ford Ranger. So I voluntarily surrendered the vehicle. I was at work when my wife called to report Santander picked up the vehicle. That day was XXXX XXXX, XXXX. I later learned, from my XXXX XXXX, that a claim was made against the vehicle. I explained to XXXX that the vehicle was surrendered back to the Lender and the conversation ended there. Upon renewing my Insurance with Progressive XXXX XXXX, XXXX, XXXX reported that their quoted rate of {$560.00} has changed to {$700.00} plus dollars because of a No-Fault Accident that I was involved on XXXX/XXXX/XXXX. This is impossible as I was at work at the time of the questioned incident. I paid the difference for the insurance. XXXX gave me a toll-free number, XXXX, so that I can dispute the accident and get a report of the details. I have been unsuccessful. After 40 seconds of instructions about this XXXX service the call ends apologizing for services being unavailable at this time and to call again. I have tried twice and am very frustrated. I recently received a letter from a Law Firm representing Santander ( Ref. XXXX ) to collect {$15.00}, XXXX. I refuted that charge as I refuted Santander 's settlement for me to pay {$6000.00} several months ago when they stated {$12.00} ( approx. ) was outstanding after the sale of the vehicle. This seems highly suspicious. Not sure what 's the deal.


Date_received: 06/24/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: I.Q. Data International, Inc.
State: CA
ZIP_code: 961XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX $ has been put on my credit dating back to 2013 from an apartment in which i did not live or have a lease at. I disputed this a few years back and it was taken off my credit, all of a sudden a few months ago it is back on and XXXX wont get back to me on all the disputes ive sent in. This is ruining my life and i owe this company nothing.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. "" that i have disputed. please resolve this manner as soon as possible."


Date_received: 05/08/2016
Product: Credit card
Issue: Other
Company: Amex
State: NY
ZIP_code: 117XX
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 purchased a family vacation package for {$5100.00} from XXXX Vacations that was outright fraud. XXXX refused to acknowledge my letter and has not responded to these issues so I disputed this charge with my credit card company American Express.


Date_received: 05/05/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: IA
ZIP_code: 812XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
we had a modification with citi mortgage as they were starting a foreclosure on our propertie as our home was totally gutted out by the contract buyer, we had to show proof to citi mortgage that we were fixing the house back up to where it was XXXX to repair the home, as we wanted to sell it so that we would not have a foreclosure on our credit report. Well 2 weeks before we finished the repair on our house Citi mortgage sold the loan to lending tree. XX/XX/2014 we sold the house and paid lending tree, so satisfaction of this loan was paid in full. Now we see that citi Mortgage has put a foreclosure on our credit report and I have sent all required information to the XXXX different credit report companies to show that there was never a foreclosure. I have also contacted citi Mortgage and they will not remove this from our record as they stated they sold the loan to lending tree. I 'm pretty much exhausted all my angle 's


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: AZ
Subissue: 852XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
All to conveniently, you can get a report on the website for what appears to be {$1.00}. However, this offer is misleading as the service actually costs $ XXXX/month. It is unnecessarily hard to cancel this service, which can only be done via phone.


Date_received: 05/11/2016
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: United Revenue Corporation
State: KS
ZIP_code: 661XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
United Revenue Corporation reporting XXXX accounts to my XXXX credit report that do not belong to me.


Date_received: 05/11/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: Equifax
State: FL
ZIP_code: 336XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Every time I have attempted to receive my credit report online from Equifax they will not release it for view. They constantly require that I send many copies of information by mail and I still have no confidence they will release the information as a free report. Both XXXX and XXXX are never a problem when I view my report online. What is wrong with Equifax? Since this is a continuing issue it leaves me with the belief they are looking for a way to get around offering a free report, maybe you can tell me.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Capital One
State: FL
ZIP_code: 336XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have n't had a credit card with this company is over 7 years, this should not be listed on my credit file. I would like this validated


Date_received: 03/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes complaint is the result of an isolated error
Company: Navy FCU
State: VA
ZIP_code: 220XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was informed under the MIDS program in XXXX, VA, that the mortgage loan granted by Navy Federal Credit Union was invalid due to the restrictions on my deed. XXXX took the loan off the books and did not notify me of this action. In trying to do a modification on my XXXX note, it was discovered that the lien was not removed. I made a request that because of XXXX illnesses it would be extremely helpful if they would release the lien. Especially since it was invalid. I got no response so I submitted a QWR request. Again no response, so I wrote a letter to the head of mortgage loans, a XXXX XXXX. After two weeks I submitted a second letter and still no response. Since this time, one of the owners health has turned grave and it is of the most importance that we settle this as soon as possible.


Date_received: 04/18/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I HAVE A BARCLAY XXXX CREDIT CARD. I WENT TO XXXX XXXX GA, WITH A RECEIPT ON XX/XX/2016 TO RETURN FEW ITEMS. CUSTOMER SERVICE OF XXXX TOOK THEM BACK & SAME TIME THEY REFUSED TO RETURN THEM BACK. HENCE, XXXX GAVE A CREDIT MY ACCOUNT FOR {$130.00}, ALSO DEBIT MY ACCOUNT FOR {$130.00} ON XX/XX/2016.I CALLED BARCLAY BANK TO FILE A DISPUTE FOR {$130.00} AS A CUSTOMER ATTEMPT TO RETURN & MERCHANT REFUSE TO TAKE THEM BACK. THIS TRANSACTION CLEARLY SHOWS ON CREDIT CARD STATEMENT OF XX/XX/2016. THIS BANK ISSUED TWO DISPUTE CASE NUMBERS FOR SAME CASE & THEY ARE DBO XXXX, DP XXXX. BARCLAY BANK SENT ME A LETTER, DATED XX/XX/2016 STATING THAT DISPUTE WAS RESOLVED IN MY FAVOR. I RECEIVED ANOTHER LETTER FROM THIS BANK, DATED XX/XX/2016 STATING THAT THEY ARE TAKING BACK A CREDIT OF {$130.00} FROM MY ACCOUNT. THAT MEANS, I HAVE TO PAY {$130.00} TO THIS BANK.THEREFORE BARCLAY BANK NEVER EVER RESOLVED MY DISPUTE FOR $ XXXX.THIS BANK HAS A VERY POOR CUSTOMER SERVICE. I CAN NOT TRUST THIS BANK. THEIR CALL CENTERS ARE OUT OF USA & THEY DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.MAY I REQUEST YOU TO LOOK INTO AFORESAID PROBLEM WITH BARCLAY BANK & TRY TO RESOLVED IT. I WILL APPRECIATE YOUR HELP & CO OPERATION.THANK YOU


Date_received: 04/27/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: TD Bank US Holding Company
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I was denied the opportunity to open a joint bank account at XXXX XXXX XXXX XXXX with my husband because of derogatory information reported to them by XXXX.


Date_received: 06/22/2016
Product: Bank account or service
Subproduct: Other bank product/service
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: NC
ZIP_code: 282XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Bank of America has lied and they just do not want to assist customers in finical hardship. Since our last discussion I looked into Bank of America option of Credit Counseling and they should be aware that CLOSED accounts are not eligible for that plan. My account is closed and has been for sometime which means that it is not eligible for their suggested program and yet they still refuse any assistance to their former customer in addition Bank of America has yet to provide me with information about their " regulation '' that restrict their programs but no other bank including those larger than Bank of America appears to have the same restrictions."


Date_received: 04/28/2016
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Company: Encore Capital Group
State: IN
ZIP_code: 463XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Midland funding told me that I was going to goto jail if I did not make a paymen that day and the sheriff was coming to my home. I did not make the payment and I 'm not in jail.


Date_received: 05/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Consumer_narrative: When I apply for credit and receive a " Risk-Based Pricing Notice ''
Company: these key factors are claimed to be : "" Serious delinquency
State: Number of accounts with delinquency
ZIP_code: Too many consumer finance company accounts
Submitted_via: Too many inquiries in the last 12 months '' So
Date_sent_to_company: I go to Equifax and obtain my credit report to dispute these things
Timely_response: but I have only ever had student loans and an auto loan
Complaint_ID: Yes
Company_public_response:
 the notice describes "" Key factors that adversely affected your credit score '' with Equifax as the source. From more than one bank

Company_response:
 however the credit report I obtain from Equifax contains absolutely no delinquencies or any other negative information whatsoever. I have also never had a "" consumer finance company account ''. I am not 100 % sure what that actually means even after researching the phrase


Subproduct: while Equifax is providing a different
Complaint_ID: Yes
Date_received:
The main difficulty is that Equifax is reporting this erroneous information to banks when they pull my credit report

Product:
 but when I pull my own credit report it is impossible for me to dispute these errors because I seem to be receiving a different report than the ones the banks are receiving. The one Equifax provides me is correct


Date_received: I might think that this was an error done on the part of the banks
Product: but it has happened more than once from different banks using Equifax as a source
Subproduct: several months apart. I attempted to contact Equifax for help online or by phone
Issue: but they have no way of speaking with a human about this issue
Company_public_response: Equifax
Company: AL
State: 351XX
Submitted_via: Consent provided
Date_sent_to_company: Web
Company_response: 05/12/2016
Timely_response: Closed with explanation
Consumer_disputed: Yes
Complaint_ID: Yes
Subissue:
 everything is automated and only allows me to dispute information I can see. I can not dispute these strange errors that only the banks are apparently given."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: NC
Subissue: 275XX
Consumer_narrative: Older American, Servicemember
Company_public_response: Consent provided
Company: Web
State: 04/28/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I called the Loss Prevention phone number that was provided and was told that the Social Security transaction had been returned. I told them that I was to receive a XXXX transaction for {$3100.00} on XXXX/XXXX/16. I was instructed to call back on that date.


Issue: like XXXX to 5 days for each of several stages
Subissue: like requesting the check
Consumer_narrative: receiving it
Company_public_response: sending it
Company: and XXXX delivering it? I do n't believe these delays are legitimate
Submitted_via: PennyMac Loan Services, LLC
Date_sent_to_company: NY
Company_response: 105XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Date_received:
The XXXX tree that snapped and fell on my house in XXXX has been removed, the roof repaired, inspected, and all requested documents have been received, yet PennyMac refuses to say when I can expect to receive the check. Their representatives reveal new and unexpected delays every time I call, always adding that I can expect further delays if something unforeseen arises. Tomorrow will be XXXX XXXX, and PennyMac expresses no regret that I and my family have been severely inconvenienced by what appears to be a deliberate strategy to earn as much interest on the funds as possible. Numerous allegations of loss draft fraud by PennyMac can be found online. All contain similar stories, and advise customers to reach out to agencies such as this, and the state attorney general 's office as the only reliable way to encourage PennyMac to uphold its obligation, and not exacerbate catastrophes simply to make a few a dollars at their customers ' expense. When I asked if there is anyway to expedite this process, their representative told me that my case would " have to wait just like all the others. '' I should add that my mortgage payments have never been late

Product:
 and that I had no reason to anticipate such blatant disregard for my time and situation. Travel plans have had to be postponed due to these unjustified delays

Subproduct:
 and I am deeply XXXX to pay the contractor whose urgent work was done in a timely manner. How many more months will it take for PennyMac to release the funds? How long can they legally postpone payment by claiming their various internal procedures must first be met

State:
 but merely designed to take advantage of their customers during a time when cooperation from their lender is most needed. It is a shameful and demeaning way to operate a business."


Date_received: 05/12/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: NY
ZIP_code: 115XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My property taxes are paid from an escrow account with Nationstar Mortgage. As of XXXX XXXX, 2016 Nationstar Mortgage LLC raised my mortgage payment by {$480.00} a month with no notice. When I called to ask why they said my taxes went up by over {$400000.00}. This is not true. They told me I have to provide the tax bills. I am going to forward the paid bills to them on XXXX/XXXX/16. However, they are already in receipt of the bills. The mortgage payment is due no later than XXXX/XXXX/16 or my modification will be in jeopardy.


Date_received: 03/19/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Company: PayPal Holdings, Inc.
State: FL
ZIP_code: 336XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
THEY WENT IN MY BANK ACCOUNT WITHOUT MY AUTHORIZATION. I had a credit line with paypal. Before the account went to collections they tryed to do a ach payment that i did not authorize, meaning they went in to my account without my permission. The bank rejected the request that pay pal attempted. The reason I know they had my account # is because paypal 's representative told me the last XXXX. An she also told me that a representative probably tried to run it after i told one of them not to. I only put my card number on there site. I never linked my bank account number.That is dangerous. so I just gave them my card number. Some how they got my account number.Not only did they do that they told me the amount was due on the thirteenth but attempted the ach on XX/XX/XXXX .To my knowledge that is illegal. The way this whole thing is going is predatory lending. I have received many calls some of the calls back to back on one of those calls a representative was yelling and screaming at me after i told her that I set a payment for two weeks later .I will never ever work with pay-pal ever because if i had money in that account they would of taken it without consent.They already have a class action lawsuit against them as we speak. So at best they are Shady.


Date_received: 06/21/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Taking out the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: NY
ZIP_code: 106XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I purchased furniture from XXXX in XXXX 2015 in XXXX I noticed the the furniture I purchase was starting to peel. I called XXXX in XXXX was told to submit picture I did however I never received a response from XXXX. I called XXXX again in XXXX inwhich I was asked to resubmit picture in which I did was told that pictures were n't clear so I recent picture still was not clear enough for XXXX. XXXX sent out tech who was suppose to take pictures and submit to customer service in which pictures were ever submitted however tech wrote report stating that was not covered draws were damaging because I was opening them even XXXX customer service found that odd however XXXX refused to do anything about it. I contacted Wells Fargo who had financed the furniture and a claim was started. Was tol would take 60 to 90 days for investigation and no payment was need until decision was made and depending on what occurs with XXXX. I called several times was told XXXX XXXX was handling my claim for XXXX and for the rep from XXXX. I called XXXX no one knew rep I was told to ask for and rep from Wells Fargo XXXX XXXX never returned my call. Called customer service again was told same thing and that XXXX was trying to reach out to me to resolve issue. Called XXXX again no one could help me however when it was time to deliver furniture XXXX had o problem contacting me. Called Wells Fargo again told investigation is still in affect. I received a letter from XXXX where interest was applied was told to ignore no payment needed protected will under investigation I than get in contact with Wells Fargo and this time I 'm at Witts end asked to speak to corporate after hearing same speech rep told me he did n't have number after I threatened to contact attorney general and consumer affairs I 'm now transferred to XXXX in the corporate office, I explain to her the situation as far as the interest and that there as not a problem paying however I should n't have to pay for defective furniture that did n't last 6 months, XXXX assured me that my case has been escalated to highest level and she would get to bottom and call me inwhich I gave her my cell phone for contact. I was told to get in contact with bobs again just one last time in which after fighting with rep was told sofa would be covered not entertainment unit. To make a long story short after several calls to XXXX and XXXX, I receive a call from XXXX stating they would give a re selection for both pieces however when I called Wells Fargo XXXX told me her supervisor would only give me 25 percent towards interest and that case is closed. I need assistance with unfair practice off Wells Fargo why would that tell me not to pay and even after XXXX agreed to return merchandise they still charge interest which was {$870.00} and I only owed {$820.00} if I was told to pay while under investigation would n't be a problem now this is reporting negative on my credit report. Please I paid on time was miss lead by Wells Fargo so they can earn interest un just even after merchant agree to swap out furniture.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
State: Equifax
ZIP_code: NJ
Submitted_via: 082XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/10/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
On XX/XX/2006 I opened loan Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone No : XXXX in Equifax Credit report and Reinvestigate showed " this account has not been closed '' but I spoke with XXXX XXXX ( Now XXXX XXXX ) they said this account is closed

Company_public_response:
 and I do not have plastic credit card either. On report additional information says "" Account Transferred or Sold ''"


Product: now I do n't have money for afford XXXX."
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Bank of America
Subissue: CA
Consumer_narrative: 960XX
Company: Consent provided
State: Web
ZIP_code: 05/10/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
*They took the majority of my husbands life insurance, bot in the lump sum to pay up on behind payments so they would n't selling it then on the mortgage I could not afford. Then they took nearly {$290000.00} of fire insurance money ( I only owed $ XXXX-which my bank " still '' shows after almost 3 years ) now they racked up XXXX dollars more in fees and want to take my property ( which is all I have left from my husband ). How are they able to do this? If I knew I needed an attorney I would have kept some of that money I paid them to retain an one


Date_received: 04/22/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: time not known
Company: first call
State: Ladys Voice I answered my work phone
ZIP_code: was asked if this was NAME
Submitted_via: said yes
Timely_response: they asked if my bday was XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
I have so far received 3 phone calls at my work from " GC Services '' while the numbers have been different each time the latest number they called me on was "" XXXX ''. Every number has been a XXXX XXXX area code. Every call has been asking to verify my name. I do NOT owe any money or have had any traffic violations. I have confirmed with the XXXX DMV that this is true as well as have received 0 letters in the mail regarding any past due payments so I know that I am okay. Please find a log of the inappropriate phone calls below : 1. A week ago

Date_sent_to_company:
 who is this. They said they were calling for "" personal business matters and if i verified my social I could receive more info ''. I asked how they got this number and they said "" from my HR rep ''

Company_response:
 I asked what was that name and they gave me a incorrect name. I told them that was not correct and asked again what this was regarding. They told me "" Something to do with withheld admin wages and i need to verify who i am before they say more ''. I told them I would not verify anything and asked again how they got this number. They told me "" my social was active in the area and if I gave them more info they could help ''. I told them no


Subproduct: GC Services Limited Partnership
Issue: CA
Subissue: 900XX
Company_public_response: Consent provided
Company: Web
State: 04/27/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have now been called 3 times at my place of work. Every time has been for a "" different reason '' but all with the same goal of getting information from me. This is embarrassing to have happen in front of my coworkers and boss when I have done nothing wrong. Please stop this harassment immediately."


Subproduct: McCalla Raymer Pierce, LLC
Issue: GA
Subissue: 302XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/15/2015
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
which federal regulators and state attorneys general are investigating themortgage industries. Attorneys never investigated the deeds validation."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: IL
Subissue: 604XX
Company_public_response: Consent provided
Company: Web
State: 06/23/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Bank of American then decided to take adverse action on XXXX of my accounts, closing XXXX out and lowering my credit limit from XXXX to XXXX on the other account. I do n't feel that that action was fair insight of my inability to properly access and use their online platform. Moreover, repeated attempt to correct the issue always seem to fall on deaf ears or seem to be corrected for a day or two.


Date_received: 04/16/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: PHH Mortgage
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is regarding a complaint that I filed on XXXX/XXXX/2016 regarding my loan servicer PHH Mortgage. I have spoken with them on numerous occasions and have stated that I am still being sent bills for double the amount that I owe on my mortgage. I have not received any response from CFPB and following up to see when I might expect an email. I have never been late on a mortgage payment in my life and PHH has been paid up to date.


Date_received: 04/19/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: CA
ZIP_code: 933XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Nationstar Mortgage is predatory in nature. Since XXXX XXXX XXXX sold my loan to them, they were constantly calling me or sending me emails for their products, even after I told them not to. Thankfully I was able to get this stopped over time, but recently I called to see how much I needed to pay off my PMI. Nothing was said about a long wait time to get it applied to my account. When I paid the amount needed to get PMI off, I have now been getting the run-around. I contacted them to get it taken off and was told it would take XXXX10 business days to research it and then take another amount of time to research it again before it is taken off. Then, the lady I spoke to said there were other people ahead of me, so they would n't be able to start to look into the matter until XXXX XXXX. It 's XXXX XXXX right now and I had already called about this on XXXX, with no answers. On XXXX, I was told I would receive a call on XXXX about this, but received no call. Now because this is being drawn out so long, I will have to make atleast XXXX other PMI payment. Why does this process take so long and why am I being given the run-around on this?


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Select Portfolio Servicing, Inc
Issue: NJ
Subissue: 074XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Please return request to XXXXXXXXXXXX. I look forward to your response and hopefully your help in this matter. I plan on going to the news this week and the government agencies in charge of fighting this crime. The Dodd Frank act has not helped the homeowner who has been subjected to and humiliated by the will of Big Banks!!! WHEN WILL THERE BE CHANGE FOR THE PEOPLE NOT WALLSTREET!!!!!


Date_received: 04/16/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Capital One
State: NH
ZIP_code: 034XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX ( XXXX ) has paid out XXXX in the past for violation against consumer 's on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is a fact that can be backed up by going into www.ftc.org website. XXXX XXXX XXXX ( XXXX ) is in violation of my rights under both law as well. They are reporting a debt that they claim was acquired from Capital One Account # XXXX. Capital One stated in XXXX XXXX credit bureaus that the account was sold to XXXX XXXX XXXX, however there was never a legal notice of transfer by assignment rights of the debt, a strict requirement under FTC guidelines, FTC XXXX XXXX XXXX XXXX XXXX XXXX ). Capital One admitted that the initial first late payment was XXXX XXXX. Accordingly, Capital One, based upon the 7-year rule FCRA has deleted the above referenced account. XXXX XXXX XXXX ( XXXX ) by extension from Capital One has without question the very same timeline on removal of the debt. The debt is no longer enforceable under collection guidelines within the state of New Hampshire. The evidence that XXXX XXXX XXXX does request has already been submitted, showing the legal timeline for removal, the connection to XXXX, and the deletion of all Capital One accounts across the board with all pertinent credit reporting agencies. XXXX XXXX did through its own internal investigation remove all Capital One accounts and the collection of XXXX. XXXX XXXX XXXX ( XXXX ) sent to me copies of invoices dating back to XXXX, and this was a major waste of time. The reported timeline on my credit reports by Capital One is the only item necessary to validate the removal date of the original account and any extension to a collection agency. XXXX compliance people need to go back to school to fully understand the meaning of the term 7-year rule on the elimination of obsolete negative information. I demand my file purged and that the Federal Trade Commission through the Consumer Financial Protection Bureau sanction XXXX for trying to re-age a debt already proven obsolete by Capital One and XXXX major credit bureau, XXXX XXXX. XXXX needs once again be penalized for ongoing violations of FCRA and FDCPA against American consumers.


Date_received: 04/28/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Gurstel Chargo PA
State: IA
ZIP_code: 502XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX is collecting on a debt that has been paid. XXXX sold accounts to XXXX XXXX, I have number of accounts showing up under XXXX. These are accounts for as early as 2002.


Date_received: 04/29/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Company: Navient Solutions, Inc.
State: OH
ZIP_code: 437XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been unemployed for three months now and lost my unemployment benefits. It could take three weeks or lose them totally. I was asking for a short deferment on my loans so I can get a job and start repaying my loans. I was 30 days behind on a loan and called them for help in this matter. On XXXX XXXX, I spoke with Navient about getting help to resolve this issue. I was told that they would help me if my co-signer was not able to help. Navient spoke with my co-signer and since she is on a fixed income, she could not help. A week later I received a call from Navient saying that I need to make the full payment and they were not going to work with me. So today, I called Navient again on XXXX XXXX, 2016 and asking what kind of program they have for an out of work veteran. I was asking for a short XXXX3 month deferment so I can find work and start repaying my loans. I was told that there was nothing they can do because I exhausted all my forbearances in the beginning of my loan. I was force to take a low paying job right out of XXXX school because they stated that my externship is part of the school and If I did not get any job that was in the XXXX field, I would not graduate and would never get a XXXX degree from that school. We were all promised high paying XXXX jobs when we left school. I did not and have been fighting hard to pay for my loans. I, myself, and co-signer are tired of all the harassing phone calls from Navient. They will hang up the phone if you tell them that you are recording the conversation.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Company: Afni, Inc.
State: TN
ZIP_code: 380XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In 2012, we had XXXX and with in the same year we called them to cancel the service. We had way to many problems with the service working correctly and they did not seem to care if it was working or not. The day we called XXXX a representative informed us that we would receive a box so that we could ship back all of the XXXX equipment. We were also informed that we would not owe anything and they would be responsible for the shipping. XXXX turned this account over to a collection agency and then pulled it back and turned it over to a different collection agency. The collection agency representative that I talked with was very rude and telling me that we would be committing criminal charges if we do not pay this debt off in full. I do n't think this is an appropriate way to do business because I would not recommend XXXX to anyone.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Ditech Financial LLC
Issue: FL
Subissue: 327XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 03/13/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
They have reported us as late to the Credit Bureau for the XXXX bill that was paid on time. We have called three times to get this rectified and they have not fixed the issue and reported us as delinquent on our credit reports.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: TX
Subissue: 761XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 03/16/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
They usually say call them, when I do, you ca n't speak with the person who is the representative on the letter they send. I leave a message but they will not call back. Each time I call I get someone one new. Now, I have had to file bankruptcy because they will not allow me to get an modification to ease the monthly payment. At this point I am tired of contacting them, they are not FAIR with their customers. The mortgage company keeps this up so they can file foreclosure and take my home.


Date_received: 04/29/2016
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: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I sent Navient special instructions ( through their website email service ) on how I want my payments applied to my student loans. The response I got not only did n't confirm the usage of the instructions I provided but also told me the only way to have those instructions applied is to send in a check with instructions every month. Does Navient have to apply my special instructions regardless of the fact that they were communicated via email? And why do I need to recommunicate them every month -- and why is it somehow not applicable to my autodebited payment?


Date_received: 04/22/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: FL
ZIP_code: 341XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XX/XX/2015 we sent them a verification letter that we requested validation of the late payment. They never responded. This is direct violation of the FCRA and the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) At this time I will also inform you that XXXX have reported invalidated information to all of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. ONLY XXXX HAs corrected this error


Date_received: 05/11/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Senex Services Corp.
State: TX
ZIP_code: 751XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked Senex Services Corp. 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: 03/15/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Company: AES/PHEAA
State: ID
ZIP_code: 836XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I fell behind on student loans, not because I did not want to pay, but because we could n't pay. We have finally gotten to a point where we can begin making regular monthly payments starting in less than 30 days. Unfortunately, I had XXXX private student loans that went into default at the end of XXXX of XXXX. The accounts have been sent to collections. The collections companies refuse to work with us on payments. They are requiring large amounts of money right now and threatening to ruin our credit scores if we do not comply. We are unable to comply. We have tried calling the original loan servicer to set up monthly automatic withdrawals if they will just bring our loans back out of default. They refuse. All I am asking is that they take these accounts out of default and allow us to set up payments. We are still willing to set up automatic withdrawals. We want this resolved in a way that is not catastrophic to our credit scores or our ability to provide for our family. I hope that we are able to convince the original servicers to work with us, as we are willing and now finally able to pay.


Date_received: 06/24/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NJ
ZIP_code: 079XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Experian is reporting this inaccurate information.


Date_received: 05/03/2016
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: Wells Fargo & Company
State: KY
ZIP_code: 402XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Beware they do not back the ones that get you the loan. I was told to expect a letter 1 mo prior when loan interest would be charge. I never got that letter just a XXXX charge on bill. Was told we do not send letter but it was on statement prior to this XXXX. Well I did not look for it because I was expecting that letter. They said to bad we do not care how they get us the loan we had date on bill. They would not even consider it was wrong to be told XXXX thing. Not our problem. Not good ethics at all to not care that who gives you the loan might be deceiving people. They would not even let me talk to upper management they just said they do not deal with customers. Bad bad business ethics. Do not get a loan from these loan sharks. Beware beware


Complaint_ID: Yes
Date_received:
See 1st example attachment - XXXX ; this attachment shows main cover page and the relevant page showing the SunTrust Mortgage account. On the SunTrust Mortgage account on this document


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: SunTrust Banks, Inc.
Issue: TX
Subissue: 760XX
Company_public_response: Consent provided
Company: Web
State: 06/12/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Enclosed is a copy of the IRS form XXXX showing actual balance of {$170000.00} Enclosed is a copy of a XXXX credit report dated XX/XX/XXXX showing a balance of {$170000.00} Enclosed is a copy of a XXXX credit report dated XX/XX/XXXX showing a balance of {$180000.00} This is clear violation of my civil liberties under FCRA for intentionally and willfully providing inaccurate information."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: MA
Subissue: 014XX
Company_public_response: Consent provided
Company: Web
State: 04/29/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
DO NOT APPLY OR CARRY THE AMERICAN EXPRESS CAR THEY COMPANY AND ARE ABOUT TO GO DOWN THE TUBES. THEY WILL RUIN YOUR CREDIT OUT OF SHEER LAZINESS!!!!!!!!!!!!!!!!!!!!


Date_received: It is also stated in the letter that "" On XXXX XXXX
Product: 2015
Subproduct: Ocwen received {$3300.00}
Complaint_ID: Yes
Issue:
 although it was {$0.00} short of the amount due ( {$3300.00} ) the funds were applied as the XXXX XXXX


Product: XX/XX/XXXX
Subproduct: XX/XX/XXXX
Issue: XX/XX/XXXX
Subissue: XX/XX/XXXX
Consumer_narrative: XX/XX/XXXX
Complaint_ID: Yes
Date_received:
Attachment 5 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with seven other transactions from XX/XX/XXXX


Product: XX/XX/XXXX
Subproduct: XX/XX/XXXX
Issue: XX/XX/XXXX
Subissue: XX/XX/XXXX
Consumer_narrative: XX/XX/XXXX
Company_public_response: XX/XX/XXXX
Company: XX/XX/XXXX
State: XX/XX/XXXX
ZIP_code: XX/XX/XXXX
Submitted_via: and XX/XX/XXXX."
Company_response: Ocwen
Timely_response: CA
Consumer_disputed: 958XX
Date_received:
Attachments 6 & 7 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the payments from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with eleven other transactions from XX/XX/XXXX


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company: Fay Servicing, LLC
State: NJ
ZIP_code: 080XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My loan from XXXX XXXX XXXX was sold to another lender when the DOJ Settlement happened so they did not have to modify my negative amortization loan. The new lender servicer has refused to modify my loan even though they have all the information they need. They are proceeding to foreclosure without mediation, acknowledging my loan mod docs, or even a large down payment to reinstate my loan. The attorneys for them are a foreclosure mill and will not acknowledge receipt of any information. I would like a mediation or intervention to resolve the case.


Subproduct: McCalla Raymer Pierce, LLC
Issue: GA
Subissue: 302XX
Consumer_narrative: Older American, Servicemember
Company_public_response: Consent provided
Company: Web
State: 04/16/2015
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
XXXX XXXX Bank XXXX XXXX XXXX preservation XXXX stated XXXX XXXX Bank had not received any information from attorney McCALLA Raymer LLC. XXXX XXXX informed XXXX XXXX XXXX, he needed to call McCalla Raymer LLC.


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: United Consumers Inc
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Debt was the result of a visit to the XXXX and was paid by the insurance copy. However, the collection agency continue to make claims towards this debt.


Date_received: 05/12/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: Webster Bank
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I opened an HSA account with my employer beginning in XX/XX/XXXX through HSA Bank ( a division of Webster Bank ). It was free as long as I kept my insurance plan with my employer. I ended up leaving my employer XX/XX/XXXX. However, I kept my insurance plan through COBRA. I believe the computer realized I left the company and began charging me a {$5.00} monthly fee. I was charged for three consecutive months. But then, it appears, HSA Bank received notification I was still on the company 's insurance plan. So, the fees stopped. The XXXX {$5.00} fees were charged in error. I have called HSA Bank three times to get the fees reversed. At first, I was promised they would be taken care of. On the third call, I was told they were charged by a third-party called XXXX, and that I would have to contact them. I also called them. They said they would resolve my fee complaint, but it was never handled. I then reached out to HSA Bank again via email and they still did not correct the fee error. It has now been more than 15 days with four phone calls and two emails with no resolution over {$16.00}.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: GA
Subissue: 303XX
Company_public_response: Consent provided
Company: Web
State: 04/09/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I contacted the office of the president for TRASNUNION and they would not allow to speak with anyone concerning my complaints. I have furnished TRANSUNION with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I need help in resolving this issue asap.


Date_received: 05/01/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Company: JPMorgan Chase & Co.
State: LA
ZIP_code: 700XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Chase Bank did a revamp of their online banking website. It is dysfunctional. I went online to pay my bills and was shocked to find the new site and some sections not operational. My Bill Pay was completed XXXX up. I complained in several emails. The site looks like an app not a banking site. I told them XXXX XXXX XXXX did a better job. I complained bitterly. I told them I was walking out the door to find another bank. They escalated this email to Homeland Security. How do I know? I received a phone call immediately thereafter from XXXX XXXX. I did not answer the call. My cell phone was hacked and inoperational. My computers also show evidence. So, we can no longer complain, correct? About anything. If we do, we are turned over as threats, punishment by the institutions we use.


Date_received: Under FCRA sec 623.
Product: I am requesting disclosure of the "" original creditors documentation ''
Subproduct: on file
Consumer_narrative: Portfolio Recovery Associates, Inc.
Company_public_response: OK
Company: 735XX
State: Servicemember
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/12/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: Yes
Complaint_ID: 1922541
Issue:
 that they must maintain to to validate all data being reported be made to me XXXX 30 days after receipt of this notice. If they are unable/refuse to provide documentation I am requesting that the the reported data be removed from all credit reports."


Date_received: 05/11/2016
Product: Credit card
Issue: Other fee
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: NJ
ZIP_code: 085XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
i hate doing this. it makes the bank mad and at a tough time for me it takes time. i have emailed XXXX at least twenty times about this issue they seem to have the money to pay people to just secripting me to death. you will have this resolved blah blah spending more money to pay peoiple to send it then to refund me the dollar i ask for in interest DESPUTE its valid and its been returned before. please dont come back with that answer. i have heard it before i have millions of medical debt for my son and a ; lease on a home i own that was defaulted i dont need problems over a dollar. Red tape and bureacracy really impersonalizes the banking industry. I have had to suspend my use of the card. please refund without a script. XXXX forgives my balance. i am a GOOD customer i want loyalty and am tired of scripts. you have spent more sending me scripts in the last 30 days then it would cost to refund me. PLEASE dont send credit card agreement not asking dont need. just need my dollar back please. this whole thing is demoralizing and time consuming.


Date_received: 04/25/2016
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: Receivables Performance Management LLC
State: GA
ZIP_code: 301XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
their was an issue with identity theft account with XXXX that had gotten turned over to a collection agency, were i had actually went online and did the payment. i was informed by XXXX to wait and do that payment, because if it 's identity theft i should not be responsible for it, and they were going to look into it.so i canceled the payment through my bank.rite after i did that the collection agency want to put this on my credit report when they were informed that this was a fraud account.


Date_received: 04/15/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: OR
ZIP_code: 970XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a cost for " court '' costs of {$950.00} with no explanation I think because I filed a complaint against them. This cost is unfair!"


Date_received: 04/29/2016
Product: Credit card
Issue: Billing disputes
State: on my XXXX statement
ZIP_code: XXXX re-billed my account for {$710.00}. I have made phone calls
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/15 I used XXXX to make multiple hotel reservations for the same time period with the intention of cancelling XXXX hotels once I had a chance to discuss with my husband which hotel he preferred. All hotels advertised Free Cancellation by XXXX/XXXX/15. On XXXX/XXXX/2015 my husband and I decided which hotel we wanted to book. When I went to cancel XXXX of the hotels, we received a message that there was a {$710.00} " cancellation fee '' for each hotel. Multiple attempts to address this error with XXXX were unsuccessful. XXXX did not take any responsibility for the false advertising. I disputed the charge with Chase. At the outset

Company_public_response:
 the customer service representative made an error and credited too much back to our account. On my XXXX statement

Company:
 Chase addressed their original over-payment error and reversed a portion of the credit. I have received multiple letters from Chase indicating that they resolved the dispute in my favor ; however


Subproduct: JPMorgan Chase & Co.
Issue: CA
Subissue: 958XX
Company_public_response: Consent provided
Company: Web
State: 04/29/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
My request for CFPB is to help me resolve the disputed charge with Chase. {$710.00} is not an insignificant amount of money and their disputes department is clearly inadequate and possible set up to wear down consumers so that they will not use the service."


Date_received: As for my credit report
Issue: CL Holdings, LLC
Subissue: FL
Consumer_narrative: 338XX
Company: Consent provided
State: Web
ZIP_code: 05/13/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Product:
 this account appears as it still belongs to Jefferson Capital.There are multiple inconsistencies across all reports."


Date_received: 04/25/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Financial Credit Service, Inc.
State: NY
ZIP_code: 137XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
i got a call from an asset recovery associates claiming i owe XXXX dollars for a credit card i had back in 2003 for a XXXX ive never had a credit card thru a XXXX that i can remember i asked them for bank information to contact bank but they refused to give me that they told me if i didnt pay it or make arrangements to pay it they was gon na file a judgement against me i talked to someone about this and they told me to contact you


Date_received: 04/26/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: CA
ZIP_code: 926XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
bank of America is changing information on a fraudulent credit card to hold me as a financial hostage the last date of payment is being moved around so that it remains on my credit report pls help pls help


Date_received: 04/16/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: URS Holding, LLC
State: MA
ZIP_code: 027XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
this collector called my XXXX mother 's house after XXXX and scared her. He would not say who he was or why he was looking for me. I have not lived with my mother for over 25 years. This company has also called my work. I have told them not to call me again, and it was after I told them not to call my work, that they called my mother.


Date_received: 05/11/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Army and Air Force Exchange Service
State: MD
ZIP_code: 210XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have an account with the Military Star credit card, issued by the Exchange Credit Program, XXXX. XXXX XXXX XXXX, TX XXXX. I made a purchase on this account under a promotional zero interest plan. The company intentionally prevents payments made from being applied to the no interest balance, in order to carry that balance through the end of the promotion which would then begin earning interest. There are no materials or billing information listed either in the promotion materials, or the billing statement, that tell consumers that they have to request each time a payment is made, exactly how that payment would need to be applied. Without their knowledge, the agency automatically applies the payments to the non-promotional balances, including when additional payments are made or when no payment is due. This will cause all of the military customers to begin earning interest on a balance that they believed was paid off before the promotion ended. I find this to be a predatory practice, specifically targeting young service members.


Date_received: 03/13/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Pacific Union Financial, LLC
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Pacific union Financial is asking security questions I never was ask to answer and after XXXX attempt your locked out


Date_received: 04/20/2016
Product: Credit card
Issue: Late fee
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: OH
ZIP_code: 432XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have closed my account with Macy 's for a credit card multiple times ( most recently in XXXX 2015 ) and I have received new statements with late balances. I closed the card due to the inappropriate application of fees and late fees. Now, with the account closed with a XXXX balance four months ago, I receive a new statement saying I owe {$8.00}.


Date_received: 04/27/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company: Seterus, Inc.
State: LA
ZIP_code: 708XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I submitted a complete modification packet to Seterus Mortgage in XXXX XXXX ; along with document regarding insurance claim regarding damage to the my home after hurricane XXXX. I told that Seterus could get those documents and I was given a wrong number by them to contact but I found the documents and submitted those at the first of the year. I was told that the documents would be reviewed and I would have a decision within 45 days. I called to get the status of the modification the first part of XXXX and was informed that no one had reviewed the documents and I would have to re submit the documents. Now I am being faced with a foreclosure date of XXXX XXXX, XXXX. I resubmitted the documents and am being told different things by different service representative. For example I did not have copies of stubs because my payroll is direct deposited ; I was told to mark on my bank statements all payroll deposits which I did. The next rep advise to to a letter stating that my payroll is direct deposited. I submitted income statements and that was rejected asking to explain real estate expenditures with specifically stating what exactly what they wanted : I had XXXX, XXXX and XXXX in expenses : I sending back exactly hoping that is what they are looking for ; but time is of the essence. My copy will be sending me the copies had I know the bank statements were not sufficient I would have worked on that. I was leaving out of town for job training and was away from documents. I was sent a letter dated XXXX/XXXX/XXXX requesting that I send in another packet and it had to received by XXXX/XXXX/XXXX and I received it XXXX/XXXX/XXXX after work! I am gainfully employed and would like to remain in my home ; I had hope to have this resolved by the first of the year. I feel as if I being told things that are erroneous ; and as stated earlier ; time is of the essence. It is my desire to work with Seterus but I would like a person assigned to work with me to assure that this time my documents are not neglected and expeidited since they admit that I should have been contacted regarding my original modification submission. I faxed XXXX pages and I have a confirm receipt that the documents were received. Additionally, I would like the foreclosure date set back to sanely accomplish getting them the documents requested ; I have to take off work every time at the last minute to accommodate them. I am working XXXX jobs to get my finances back in order ; in what has been a rough and rocky road ; that began with XXXX guys in a stolen car ; totalling my parked car. I had only dropped the full coverage 6 months earlier because it was paid for. I would appreciate help in resolving this matter.


Date_received: 04/26/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan servicing, payments, escrow account
Company: Seterus, Inc.
State: MT
ZIP_code: 593XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX 2015 Seterus Inc. sold me an insurance policy that I did not need nor want nor did I request it my property is and as always been covered by a policy I buy the account does not nor never had a escrow account. Seterus established one and is now billing me for it even though I have submitted proof of insurance multiply times. I have been calling for months to just get a continued billing the following month. different people have said it was taken care of and when I request that person there is no one by that name working for them, Requested a hard copy of information and have never receive it


Date_received: 05/07/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: IL
ZIP_code: 601XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
CitiMortgage INC has continued to report this incorrectly for years!! All of the late months they report, we were in the Loan Modification program, Harp, Hat something!!! Payments were made each month to their specifications and certified sent by mail! They too almost two years to get this done and then when they finally got us into the program, the terms were different on the loan and if anything changed on the mortgage, if we wanted to sell, they had to approve and I could not rent it!!! My husband died suddenly in XXXX 2011, just a couple of months after getting the reduced interest loan!! He was the soul support of the family and there was no way I could afford on widow 's benifits to stay in the home. I turned it over to the Bank and moved out! I offered deed in lieu of and never have heard from them again!! I want this reporting corrected/changed as this is not true!!!


Date_received: 05/10/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Merchants and Professional Bureau, Inc.
State: CO
ZIP_code: 801XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Got a phone call from Merchants & Professional Credit Bureau a 3rd party debt collector using the the words Credit Bureau in their name ... .threatened me if I did not cooperate and refused to disclose who they are when I asked specifically. They told me my date of birth but would not tell me anything else ... .they also called my father and this is harassing me and my father! We are legal residents XXXX, and this debt collector is XXXX!


Date_received: 04/26/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Freedom Mortgage
State: GA
ZIP_code: 302XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX 2015 I made mortgage payment to freedom mortgage on the internet. payment is due on the XXXX every month. On XXXX XXXX 2015 I received a call from freedom mortgage that my payment was late. I explained that I had received a conformation number how could it be late? I was told that did n't matter the payment was late. I had to pay late fees and phone assistant fees ( a total of {$40.00} plus the normal mortgage ) Since that payment my mortgage has been marked as received late for the past 4 months although I mail my payment on the XXXX of the month XXXX. I called and asked a service rep how my payments were late and was told that the mail takes XXXX 10 day for them to receive it.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and XXXX refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt


Subproduct: Capital One
Issue: CA
Subissue: 928XX
Company_public_response: Consent provided
Company: Web
State: 05/02/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
However, going back in the account I realized I had been charged this fee for the previous 9 years. I called Capital One and requested a copy of my original card member agreement. They promised to mail it to me. It never came. Then I called again. They again promised to mail it to me and stated they had mailed it to about a week prior to that call. Again I waited about about three weeks and nothing ever came so I called again and asked for a supervisor. The asserted that they had mailed it to me on XXXX XXXX. However, they also said they would mail it and fax it to me. It is now XXXX XXXX and I have never received anything. This process started XX/XX/2016. I feel that they do not want to provide it to me or can not provide it to me. As a result I can not show that I was overcharged {$350.00} during the past 9 years.


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: GC Services Limited Partnership
State: WV
ZIP_code: 252XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I called XXXX XXXX last XXXX XXXX with my ex husband present to get the bill out of my name since we were getting divorced. We called XXXX XXXX and spoke to a rep and told them that he was taking over the services since I was moving from the Residence. In XXXX XXXX I received a letter stating that I was sent to collections for unpaid debt to XXXX XXXX. I called XXXX and told them that I have n't lived at that residence since XXXX XXXX and that my ex husband and I called in XXXX to have services changed in his name and that this was not my responsibility it was his. The guy I spoke with told me that the notes noted on the account corresponded with what I was telling him and all I needed to do was write a letter stating what happened and when and that we put the services in his name and that he would be responsible for any payment. The bill was up to date when I left there. Then just this past Monday evening XXXX XXXX XXXX I received another letter in the mail saying that I was sent to another collection agency from XXXX XXXX. I called the Agency XXXX XXXX account # XXXX and spoke with XXXX and told them the same thing and that I submitted everything they told me to do back in XXXX and that we both called in XXXX to have the services put in his name. I was told that they could not help me and that I needed to contact dish so I did. I called dish at the # he provided XXXX. I spoke with XXXX first and he told me he was going to transfer me to the assistant president XXXX. XXXX told me that everything I said was noted and that I did change the billing information but the equipment was still in my name. XXXX had cancelled the services and has not returned the equipment. I told XXXX that I was not responsible for anything that we had called back in XXXX to have it put in his name. XXXX told me yes you did but you did not the equipment and that there was nothing he could do. I said I am not paying for something that I done exactly what I was supposed to do and that who would change just the billing info and not the equipment that was not right and why would they do people that way. He said that is how there company works and I said yes trying to mess people out of their money and that is not right. I told him that I could contact the XXXX Consumer Financial Protection bureau and the att ; General. He said that he still is not going to change anything because I threaten to go to them and I told him that was not threat I was going to especially since this has made my credit score drop. The reason I know my credit has drop is because I just applied for a loan to buy a house and my credit score was lower. The bank lender and I could not figure out why and then I received this letter, so that explained it. I work to hard for my money and my credit to have it ruined. I need this fixed and made right ASAP or told what I need to do to get it done. Please contact me at XXXX or XXXX and let me know. Thank you for you time.


Date_received: 06/23/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Wells Fargo & Company
Submitted_via: NY
Date_sent_to_company: 141XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 06/23/2016
Consumer_narrative:
On XXXX/XXXX/2016 I contacted my mortgage company to assess my options to address the unpaid balance for XXXX and XXXX. I completed all necessary paperwork request for underwriter to review. On XXXX/XXXX/2016, a third party person was sent by Wells Fargo to hand deliver to my home an envelope to ask me to call " Mortgage Company. '' The third party person entered my condo complex ( on the inside ) came up the stairs to my condo unit and hung on my door "" The important '' Note. This scarred and frightened me that my mortgage company would hire a "" thug. '' to come into my home. I was not at home

Company_public_response:
 but when I came home I found envelope. The third party person did not leave their information. When I contacted the preservation specialist I had just spoken with 2 days earlier and completed all necessary paperwork

Company:
 she could not give me the name of 'Third Party Person. '' All she could say is that they hard hired a "" third party person '' to come to my home. Very very much afraid this person came into my home. My condo unit is shared by XXXX other person. My mortgage company put me and XXXX other people at risk of harm by some "" third party person. '' I am very much afraid that they have done this to me. Please help as this does not seem accurate."


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Ditech Financial LLC
Issue: FL
Subissue: 335XX
Company_public_response: Consent provided
Company: Web
State: 04/26/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Now I am unable to buy a home because there is no action on this, and that is patently unfair. If I declared bankruptcy, I would n't have this issue, yet I try to do the right things and get treated unfairly in return.


Date_received: 04/27/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: USAA Savings
State: VA
ZIP_code: 220XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX I found out that more than {$16000.00} had been transferred to my sons ' linked accounts from my Checking account. It had happened over more than 3 months starting in XXXX XXXX. USAA said that since the money was moved into both sons ' accounts that this was my problem to sort out with my sons. They sent me a form letter stating that they closed the investigation. But they did not provide me with an answer to how such a sum of money was moved from my account to my sons ' account without my PIN number on so many transactions over that time. I had changed my PIN several times because of difficulty I was having accessing the account online. They said they would elevate the complaint about 2 weeks ago and that they would be back to me in 3 days but I have heard nothing since. Please help.


Date_received: 05/02/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: TD Bank US Holding Company
State: NJ
ZIP_code: 071XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have filed police report on XXXX/XXXX/XXXX, case n. XXXX, I was called by TD bank Fraud department that my TD bank card was being use and they closed the account. I was asked to open a new account and I was able to dispute the charges from account # XXXX during this period I was still fighting with TD bank car loan service, I was asked to go to local branch to talk to someone about late payments or missing checks. I requested payment record from XX/XX/XXXX to XX/XX/XXXX, I was told by the bank that the only things will be provided is bank statement, not copy of checks. if I want copy to be included I must pay them each check. I did not agree on paying for my own record while they continue to miss credit my account. On XXXX/XXXX/XXXX, I did filed an other police report due to scammer. case # XXXX. TD-bank account number # XXXX This account is closed by TD-bank. Since I 'm not getting any where with TD-bank car loan department and both of my checking are now closed, I 'm demanding that DT-bank must provide me with every checks I wrote to pay for my car loan payment. I want pictures of front and back of each checks so I can compared with my External account see what the evidence will lead me to. I will not pay TD bank any fee for me to be able to have my personal bank records. Since I purchase this vehicle I received payment slips at the binning of XXXX since that time I never received total payments subtracted from the original balance, but they continue to claim that I have late payment. as you can see a copy of letter submitted yesterday with all checks from XX/XX/XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX, still never subtracted. I want all checks record before I can hired a lawyer.


Date_received: 04/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: DC
ZIP_code: 200XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
The CFPB was very helpful in getting my XXXX Credit Report corrected. The issue now in the reporting by Transunion. I filed XXXX dispute regarding their reporting of a mortgage with XXXX. The problem appears to be with Transunion at this point and not XXXX. Transunion is reporting the same loan twice. Once as {$340000.00} and again as {$340000.00} ( see attachment )


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: PA
Subissue: 195XX
Company_public_response: Consent provided
Company: Web
State: 05/02/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
In closing, this claim has not been retracted and Home Depot did not perform their due diligence. This matter was not looked into, the case was opened and nothing else was accomplished on their end. While under investigation this debt is on hold. I do not NOT make the charges not EVER open this account.


Date_received: 04/19/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: Ditech Financial LLC
State: NJ
ZIP_code: 080XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I lost my daugher and my son. I am now losing everything, I am trying to short sell the home to start over and DiTech is saying they ran my credit report and that XXXX advised them their is no FICO score, nor do I have sufficient credit? I spoke with XXXX and they advised DiTech has requested nothing!!! This is holding up me going on with my sad life.


Date_received: 05/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 934XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Common wealth reinserted information that had been deleted in XXXX 2015. Common wealth agreed to remove account yet Experian continues to report account. Please delete account number XXXX from my credit report immediately as agreed.


Date_received: 04/23/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company_public_response: Company disputes the facts presented in the complaint
Company: Enova International, Inc.
State: MI
ZIP_code: 483XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
yes i applied for a short term loan and put down my pay dates and the company with drew money out of my account that maid me go in the negative i put down that i got paid every XXXX day of the month but the company put down the XXXX week of the month had a fee of {$33.00} and tried to get the bank to dimiss it XXXX XXXX told me that i authorzed it and they could not help me


Date_received: 05/03/2016
Product: Credit card
Issue: APR or interest rate
Company: TD Bank US Holding Company
State: CA
ZIP_code: 934XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On a cruise to XXXX we went to Diamonds International and purchased some jewelry. To sweeten the deal we were offered a 12 month interest free credit line for about XXXX. I paid more than the monthly payment due and never late. I just got my bill and I only had a XXXX balance originally but it showed new balance of XXXX. It put a 28 % rate on and over XXXX in back interest. I called and was told too bad, the promotion expired and I was supposed to pay it off by the 12 months. I was not told I had to pay that balance by 12 months or I could be charged 28 % plus all the interest. Where their numbers came from does n't make sense


Date_received: 05/12/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company: M&T Bank Corporation
State: CA
ZIP_code: 902XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I applied for a refinance through M & T Bank. Everything went well till they stopped complete communication with me. The last email i received was one stating that everything was good and that we should be closing within 24 days approximately. As of today, I have not been provided with anything in writing, other than emails as to why they are denying my refinance. According to emails, they claim that the value of my home is too low, but i would think they would have known this since the very beginning. They charged me {$780.00}. I feel that i was mislead since they were the ones that insisted for me to refinance. They are my current mortgage lender, so I think them being in this business would have known that my home would not qualify. I currently owe about {$190000.00} and value came in at {$290000.00} which i also questioned since most homes in my area are currently for sale at {$350000.00} prox. I sent our original loan officer 4 emails asking for status and never received a response from him. I had to request management who finally reached out to me, but never received any assistance and just proceeded with denying my application. Not sure if i have a case or not. But, after researching them online it appears that they have been sued in the past due to overcharging customers. they also have very negative reviews.


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: Portfolio Recovery Associates, Inc.
State: IN
ZIP_code: 469XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I was contacted by Portfolio Recovery regarding a charge account that was delinquent. They called my cell phone repeatedly each day and sent the information to XXXX XXXX XXXX where I was informed I had to pay the amount or I would be sued in court. During this time I was going through a tough financial time as well as recovering from a divorce but felt pressured to comply or fear going to court. ( I have never been to court so that aspect scared me to death as I was n't sure what the Judge would order. I did n't want to go to Jail and not be able to see my son ). I had to borrow the money to satisfy the outstanding debt.


Date_received: After opening a series of investigations with Citi
Subproduct: many accounts online of this same scenario happening with many
Complaint_ID: Yes
Product:
 they have repeatedly denied giving the me bonus that I am due in association with this account ( see one such denial in attachment titled "" Citibank Letter 2 '' ). I have since read many

Issue:
 many other Citibank customers. Citi is likely counting on these customers not fighting back on this


Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Citibank
Subissue: GA
Consumer_narrative: 303XX
Company: Consent provided
State: Web
ZIP_code: 05/04/2016
Submitted_via: Closed with non-monetary relief
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
Citibank is systematically and fraudulently baiting consumers into signing up for Citigold accounts with the promise of this bonus

Product:
 only to pull the rug out from under its customers at the last minute after collecting their fees. This is wrong and completely unethical."


Date_received: 04/03/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: Equifax
State: MD
ZIP_code: 209XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
well my concern is about my credit report I ask the company XXXX XXXX Equifax send my credit report in internet free do n't work for me I thinking they discriminate me my problem was with XXXX XXXX XXXX they send me to collection in XX/XX/XXXX this happened has long time a go let me know you can help me thank


Date_received: 05/01/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
ZIP_code: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Submitted_via: U.S. Bancorp
Date_sent_to_company: MN
Company_response: 554XX
Timely_response: Older American
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
US Bank Home Mortgage is the servicer of my home mortgage. It was " modified '' under the HAMP (? ) program in XXXX. Last month

Company_public_response:
 my statement indicates "" all mortgage payments are due on the first day of the month '' and after the first day are determined to be late. In other words

Company:
 the 15 day window in which to remain current with the mortgage is gone. They also said they will assess a {$5.00} fee to use auto debit payments from a bank account. I do n't find anything in my mortgage documents to support such policy and fee arrangements. Also

State:
 regarding PMI payments : my principal is {$100000.00}. The market value of my home is over {$170000.00}. XXXX refuses to release the requirement for PMI. I do n't believe this is justifiable in the current mortgage market."


Date_received: 05/13/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: CA
ZIP_code: 907XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
OCWEN took such a hostile, surprise attack on my home loan in good standing, bank owned it after accepting {$5000.00} XXXX incentive applied to principal for never being late on loan payments and {$760000.00} XXXX funds, such a hostile act that the public has trouble understanding it. People ask me if I 'm SURE I did n't miss a payment ... .they do n't want to believe a bank would do this. The shock caused me to be XXXX for several hours, which was horrifying because I am the XXXX for a very XXXX young man. I have attached the details about how LONG Ocwen is taking to make the repairs they promised to make. Rather than accept that the way they demolished my credit with XXXX was the reason it was difficult to restore, they simply blamed XXXX like they had previously blamed XXXX. It was OCWEN 'S fault it has to be repaired in a certain way ... due to the unusual way OCWEN removed the trade line from XXXX, within the context of a simple XXXX Dispute dated, XXXX XXXX, XXXX which simply asked if they could show I had always paid my home loan on time since XXXX XXXX, XXXX. Ocwen 's response was vicious and impossible for XXXX to make sense of because they had no way of knowing it was just part of a blitzkrieg of harsh actions Ocwen was raining down upon me and my XXXX son XXXX. XXXX it was presented only as a response to my request to have more of my perfect payment history showing. Ocwen 's attitude about correcting the damage they created has been to blame XXXX In the meantime my son is getting sicker while we wait to resolve these issues so I can get a loan XXXX. He may be XXXX by the time Ocwen resolves the damages they caused.


Subproduct: Inc. have instructed that these three qualifying payments are set to the amount of {$350.00}
Issue: with the program to be successfully initiated after the third qualifying payment
Subissue: which was recently posted on XXXX XXXX
Consumer_narrative: 2016. A phone call with XXXX XXXX at XXXX has confirmed that the third qualifying payment
Company_public_response: as before
Complaint_ID: Yes
Date_received:
Navient Solutions , Inc. is requiring three qualifying payments to be made in order to qualify for the Rate Reduction Program. " The Rate Reduction Program you were approved for requires three qualifying payments to be made before you are officially enrolled into the program. Your third qualifying payment is scheduled to post on XXXX XXXX

Product:
 2016. '' Recent phone calls from representative XXXX XXXX of the Collections Department of Navient Solutions 

Company:
 is the amount reflected in the Rate Reduction Program. Documentation also states that three qualifying payments are required before the Rate Reducton Program is scheduled to process


Date_received: Conflict of interest is also revealed in the recent response made by Navient Solutions
Product: Inc.
Company: 2016. Assuming the payment clears
State: you will then officially be enrolled into the program retroactively
ZIP_code: effective from the date you were initially approved for the program. ''"
Date_sent_to_company: Navient Solutions, Inc.
Company_response: TX
Timely_response: 786XX
Complaint_ID: Consent provided
Subproduct:
 in reference to to previous Case Number XXXX : "" It is important to note that your enrollment into the Auto Pay Program is not set to begin until XXXX XXXX

Issue:
 2016 when you have successfully completed enrollment into the Rate Reduction Program. The three qualifying payments you had set up over the phone on XXXX XXXX

Subissue:
 2016 for enrollment into the Rate Reduction Program are recurring payments and not payments initiated under the Auto Pay Program. '' This information does not provide clarification for the current conflict of the correct payment amount

Consumer_narrative:
 which has been previously agreed by both parties to be set to {$350.00} for three qualifying payments. "" You qualified for a reduced interest rate of 7.00 percent under the program

Company_public_response:
 which would reduce your monthly payment from {$430.00} to {$350.00} under the program. The Rate Reduction Program requires three qualifying payments to be made for the modified payment amount before your loan is officially enrolled into the program. Your third qualifying payment is scheduled for XXXX XXXX


Date_received: 04/18/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Charged fees or interest I didn't expect
Subissue: Charged fees or interest I didn't expect
Company: CashCall, Inc.
State: KY
ZIP_code: 410XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I took out an outrageous high interest loan with Cash Call Online to get into a home so my family was no longer homeless. I was making regular payments ... .so much so that at XXXX point I should have been done with the loan. The loan was at some point sold to another company XXXX XXXX XXXX XXXX. The times the loan started coming out of my account started changing which effected other bills. Between that and another bill ( furnace was n't working properly which shot up electric bill ) I ended up losing the place I was renting. The new company contacted me about signing new documents and getting payments taken out of bank. I tried to explain to them I should have more than paid but their records were n't showing that and he just needed me to electronically sign these papers. I asked him to mail them because I did n't have access to internet any longer and expained the payments were still coming out of my account. Never heard another word from them. But the payments kept messing up my bank account and severely over drawing it. The bank manager suggested I put a Block on the next payment and then close the account. Which I did ... .The new company miraculously called asking where their payments were. I explained that they should be done, what was going on, including losing residence and overdrawn account. He said their was nothing they could do that I needed to sign those papers and set up payments or they would report to Credit Bureau and or take me to court. I heard nothing more from them and stopped receiving email correspondence until today. XXXX Out of no where a lady from a XXXX number calls and starts in on me about a loan I took out that I need to pay over XXXX from XXXX XXXX. ( Mind you I am at a completely different address, with a different phone number that is not under my name, neither of which I gave them due to not having a way to contact them. They do n't provide numbers to call ... they just call you from random numbers or send emails. ) I try to explain to her I 've never even heard of that company and she returns with fact they were once named Cash Call. So I listen. She offers a settlement of XXXX but tells me I have to give her credit card or debit card info to have it drawn out Friday to secure the offer with them. Everything sounding so fishy I just told her I did n't have my card on me that she would need to call back. I 've been doing my research. I am not the only XXXX going through this nightmare. I am afraid to just give my info over the phone to them, especially after all I have lost already. I need help/advice how to proceed without losing even more. Please and Thank you


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Select Portfolio Servicing, Inc
State: NY
ZIP_code: 142XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I complained befor about mortgage co sps, inc.they are now harassing me even more for more money. I have made all payments on XXXX of each month for last 4 years to XXXX WHO TRANSFERED ME TO XXXX WHO SENT ME TO SPS.NO ONE IS HELPING MY WIFE AND I. I ALSO HAVE HAD XXXX AND GET HANG UP CALLS AT XXXX EACH DAY. XXXX is misinforming sps about my account sps lied said everything was ok when XXXX XXXX called and assured us .then we got letters of foreclosure and that we owed more money and adding a XXXX late fee each time HELPPPPPP


Date_received: 04/01/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Problem with fraud alerts
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am not familiar with XXXX Acct # XXXX XXXX I never apply for this kind of credit Look like some one do FRAUD


Date_received: 03/17/2016
Product: Credit card
Issue: Balance transfer
Company: Citizens Financial Group, Inc.
State: MA
ZIP_code: 023XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I did a zero percent promotional balance transfer in XXXX 2015. I always refer to my monthly statements to keep aware of the XXXX percent expiration date, my goal is always to pay off the balance before I accrue and pay any interest. My on-line credit card statement does not show the zero expiration date.


Date_received: 05/12/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: but it is n't stopping these companies from acting on it."
ZIP_code: Dynamic Recovery Solutions, LLC
Submitted_via: VA
Date_sent_to_company: 235XX
Company_response: Servicemember
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/12/2016
Consumer_narrative:
In XXXX or XXXX I had a XXXX XXXX XXXX Account ( Not sure if it was credit or checking honestly ) that was charged up by an ex. That debt was paid off in XXXX. Today, XXXX/XXXX/XXXX, I got a call about that debt of XXXX something dollars from Dynamic Recovery Solutions who claimed to be representing XXXX. This is probably the XXXX call I 've received from somebody claiming to own that debt even though I paid it 12 years ago. The harassment over a paid off debt has gotten to the point that I can expect someone else claiming to own it to come up every 6 months or so. I 'm constantly having to dispute it on my credit reports, which is a pain in the rear. I ca n't keep doing this, I ca n't keep having to re-provide the same information over and over again. I do not know where " XXXX '' got this phony debt.. .nor do I know how Dynamic Recovery Solutions XXXX XXXX South Carolina got it

Company_public_response:
 but someone needs to put an end to these kind of practices. Trying to collect on a debt that has been paid and reporting it to credit bureaus way past the statute of limitations should be illegal. I 'm sure it probably is


Date_received: 03/31/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX is a debt purchasing company that is reporting XXXX bank as a charge off collection account in erroneous and fraudulent way. This is clearly a XXXX bank that is well exceeded the stature  of limitations since last pmt/activity dates back to XX/XX/XXXX2009. According to the FCRA this needs to be deleted immediately from my credit portfolio


Date_received: 05/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
There was a previous reporting on my credit report from tropical financial credit union which was resolved and should have been deleted. When I disputed the item it was then placed back on my credit and I lost almost XXXX points on my credit. Please get this item removed from my credit history


Date_received: 04/26/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: CoreLogic
State: NH
ZIP_code: 037XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/2015 XXXX/Credo ( XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent


Date_received: 03/31/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX is fraudulently reporting Charge Off collection remarks against me. This is duplicated on my experian report XXXX.Chase Bank according to the FCRA needs to be deleted entirely from my credit portfolio due to being past stature of limitations, The last payment/transaction on this credit card dates back to XX/XX/2009 and is well over 7 years ago


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Company: Transworld Systems Inc.
State: NC
ZIP_code: 284XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Best describes for my issue is all the above. The collection agency Never sent a bill, notice of the debt, and no collection letters. I was notified with legal papers to garnish my wages. That 's how I learned the debt was with a collection agency. The US dept of education garnish my XX/XX/XXXX & XX/XX/XXXX federal tax refund. I have n't received a bill since that was done. I got a letter from the US Dept of education advising my refund was taken. That letter is from XXXX XXXX. Now 6 months later I 've received from a collection agency a garnishment letter ; no communication received prior to this garnishment letter dated XXXX/XXXX/XXXX.


Date_received: 05/05/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company: NVR Inc
State: PA
ZIP_code: 150XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I signed an agreement to purchase a new construction loan from a builder. The builder has an associated lending company. I decided to shop around for a better mortgage and found a great rate with the same bank that services my checking and savings accounts. However, the builder claims to provide a significant incentive to use their lender. On the associated lender 's GFE for the loan, it shows that I would be responsible for the traditional XXXX % of transfer taxes and then shows a much lower seller credit than the claimed incentive. When I asked about this, the associated lender explained that the majority of the incentive is applied to the portion of the transfer taxes traditionally paid by the seller, then the remainder is applied as a seller credit. I took this as a marketing tactic and brushed it off. When I presented the builder with the loan estimate from my bank, they said that it was a bad deal and that I would miss out on the incentive and would have to pay the full transfer taxes if I proceeded. I think that this is a very deceptive practice and I do n't feel comfortable being strong-armed into paying more by using a different lender.


Date_received: 06/20/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: NJ
ZIP_code: 081XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received the results of the Transunion investigation about XXXX XXXX 2016. Today, a few minutes ago, I contacted TU customer service because the results notice had no phone number for me to call to find out how I can request a description of how investigation was conducted with business name, address, and number of source of info. Also I have no idea how to add a XXXX word statement to my credit report. The TU customer rep said TU has no info about the investigation and I should call the CFPB.


Date_received: 05/03/2016
Product: Credit card
Issue: Credit card protection / Debt protection
Company: nor have I seen this card
ZIP_code: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Submitted_via: Wells Fargo & Company
Date_sent_to_company: TX
Company_response: 773XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
A credit card account was added to my primary bank account, which I never agreed to, nor seen the card, nor used the credit card. It was never mailed to me. However, I have been getting charged with overdraft fees from my primary account. Which is strange considering that I have not had an overdraft fee in over 10 years due to my savings account. If I go over on my primary account the funds will automatically take from my savings. I had it set up this way for years. When I noticed a charged was added to the credit card account of {$100.00} by checking my bank on line, I paid the balance ONLY to get it off my account, hopefully to get rid of it. However, the balance continued to increase. After speaking to a banker considering this matter is when I was informed that the charges were from overdraft fees and the credit card was set up as an " overdraft protection '' instead of my savings. I explained to the banker that I never agreed for the credit card to be my overdraft protection because I had already have that set up with my savings account. I continued by informing her that I have not had an overdraft until this credit card was added to my account

Company_public_response:
 that is strange. Supposedly I had overdrafts since XXXX to XXXX. Now I have a balance of {$470.00} which is now on my credit report and affecting my score. I informed them many times that I did not agree for a credit card to be added as my overdraft protection

State:
 nor even used the card but still I 'm being harassed to make payments on this account and damaging my credit score."


Date_received: 05/05/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CA
ZIP_code: 925XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
My Best Buy Credit card ending in XXXX I had closed the account due to reoccurring fraud. ( 6 times ) someone went into several best buy store and looked up my credit account and made large purchases without a physical card. Now I have charges on an account ending in XXXX which was reissued after my this fraud claim even though I told Citi Bank that I wanted the account closed. Citi Bank who is the Best Buy Credit Card issuer told me those accounts were closed but some how someone made another purchase. Seems like this is a Citi Bank Issue. Now I have a balance due {$1600.00} which Citi wants me to make payments on even though non of the balance is mine. I have called them multiple times and its like talking to a tree.


Complaint_ID: Yes
Date_received:
My thoughts is that this " automatic '' payment deters people from applying extra principal on months they have it available to them


Date_received: However small the amount
Subissue: PNC Bank N.A.
Consumer_narrative: PA
Company_public_response: 176XX
State: Consent provided
ZIP_code: Web
Submitted_via: 04/28/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Product:
 PNC is capitalizing on human nature to not send extra payments by making it more inconvenient to decide each month what amount to pay

Subproduct:
 and making up for those that try to go this route by charging {$7.00} per transaction. There is absolutely no reason they could not except month-to-month bank transfers from a FDIC bank without charging fees. Especially when they allow the same transfers fee-free as long as they are "" scheduled '' through their "" Electronic Funds Transfer '' process."


Date_received: 04/15/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: written
Company: in-person
ZIP_code: XXXX and were told the legal department would contact us within 20 days
Consumer_narrative:
Attempted to modify loan back in XXXX, local branch manager only wanted to give a .5 % lower interest rate which did not make sense to pay settlement fees for .5 % lower rate. Bank encouraged to have loan go into " default '' for a lower interest rate modification. Would not respond to requests

State:
 etc. 2 years went by and over {$140000.00} in interest was tacked onto loan. We have attempted countless times to settle this. We spoke with the loan modification department XXXX XXXX

Submitted_via:
 here it is 5 months later and still nothing. Received a letter stating such to no avail. The last regular payment made was XXXX XXXX

Date_sent_to_company:
 XXXX. We finally agreed to BofA terms in XXXX so that the property would not be taken from us. However

Company_response:
 the interest on this loan should not be our responsibility since we attempted countless times for the loan to be modified. "" Missing paperwork ''

Timely_response:
 "" paperwork not complete '' "" missing documents '' etc. was always their answer. We were so frustrated with the lack of unprofessionalism and lack of response

Consumer_disputed:
 that we agreed to something that was not fair. We have every single letter and call documented. This is the 2nd time filing with cfpb

Complaint_ID:
 the original request was closed because Bank of America stated that my mother and my fiance were not authorized to speak on my behalf however


Date_received: 03/11/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Shopping for a loan or lease
Company: Risecredit, LLC
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Rise Credit XXXX has put XXXX hard inquiries on my credit report. Firstly, this is more than anticipated, and secondly, I was under the impression that these would be soft pulls - the excessive hard pulls are having a huge impact on my credit score and are keeping me from refinancing my home. Please assist me in removing these.


Subproduct: Citizens Financial Group, Inc.
Issue: NH
Subissue: 038XX
Company_public_response: Consent provided
Company: Web
State: 05/07/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have repeatedly contacted Citizens Bank and demanded my money back and they are giving me the run around. I am a single mother and I worked hard for my money. They allowed over XXXX obviously forged checks to be cashed on my account and wo n't take responsibility for failing to follow their own internal procedures and provide a reasonable protection of my money.


Date_received: 04/05/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Problems when you are unable to pay
Company: OneMain Financial Holdings, LLC
State: NC
ZIP_code: 282XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Horrible experience. Car repossessed after one late payment. They tacked extra fees, required payment in one weekweek which was impossible and I had to pay {$75.00} to get my personal belongings that were still the car. I 've been a customer for almost two yrs


Date_received: 01/19/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: calling a mobile phone they likely should not be calling
State: proves this company should at least be investigated."
ZIP_code: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Submitted_via: Windham Professionals
Date_sent_to_company: NC
Company_response: 276XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
Windham Professionals called my cell phone and presented themselves as a company looking for a reference to hire my ex-wife and asked for her contact information. I have not had contact with her in 6 years and our last names have not been the same for that long. I asked if they were collecting a debt and they answered " yes '' and hung up the phone. I called the number back to see what the company was. This is the second call I have received from them after asking them never to call me again

Company_public_response:
 I have nothing to do with my ex-wife or her debts. The fact that they are misrepresenting themselves


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: 21st Mortgage Corporation
State: FL
ZIP_code: 331XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We filed an application for a loan modification in XXXX of 2016, but the application was too close to the sale date and was denied. We obtained a cancellation of the sale date because we filed for bankruptcy and immediately sent in a new application for a loan modification. We enlisted the assistance of the MHA who is trying to help us with a loan modification. The non profit organization accelerated the process and referred it to the escalation team, who tells us that they will not receive a response until the XXXX of this month. The bankruptcy was dismissed at the creditor 's meeting but that matter has been corrected and there is an emergency motion to reopen the bankruptcy scheduled for the XXXX of this month. The attorneys are seeking an order rescheduling the sale date, even though in the bankruptcy we also filed a Motion for Mortgage Modification Mediation program. That will be heard in the near future by the Court as well. I also corrected the errors listed by the Trustee. So, they are pushing for a sale date while a motion to set aside the foreclosure judgment is pending ; while we have the MHA office working on an escalated modification ; and we have the bankruptcy motion for mortgage modification mediation motion pending in the Bankruptcy Court. In other words, they are DUAL TRACKING.


Date_received: 05/04/2016
Product: Credit card
Issue: Closing/Cancelling account
Company: Discover
State: MA
ZIP_code: 027XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I cosigned for a credit card with a {$300.00} limit for my daughter when she XXXX 17 years ago. She got married 15 years ago and called Discover to remove my name and change the card to her new married name since she had established good credit. She later moved into a new home and called to change her address with Discover. I never received any more credit cards, letters or phone calls from Discover in the last 14 years about that account so we assumed they removed my name from the account as she requested. She continued to get correspondence and replacement cards in her name only at her new address but nothing came in my name which I believes proves I had been removed from the account as she requested. Now I got a letter from one of my banks saying there is a Charge Off on my 38 year perfect credit rating for an account I had been removed from 14 years ago. My daughter is going through debt consolidation and the consolidation company had no idea there was a consignor on that account either. Discover never contacted me to tell me that I was associated with an account about to go into default. I have my own account with them in perfect standing so my contact information was readily available. I have lived at my current address 53 years so it 's not hard to find me. When I contacted Discover their response was they only contact the primary card holder. I told them I had a credit card with my name on it when the account was opened but when it expired 3 years later, none was ever received in my name either at my address or my daughters address again proving I was off that account. Discover could not answer why I never received a replacement credit card since the account was opened yet they are saying this is listed as a joint account. We have run a family construction business for 29 years and our credit rating is imperative to continue getting lines of credit jeopardizing the jobs of XXXX workers.


Date_received: 04/28/2016
Product: Debt collection
Subproduct: I do not know
Issue: Taking/threatening an illegal action
Subissue: Attempted to/Collected exempt funds
Company: Portfolio Recovery Associates, Inc.
State: AL
ZIP_code: 356XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
THIS IS XXXX XXXX XXXX AGAIN.YOU KNOW ME.I WRITE A COMPLAINT ABOUT XXXX & XXXX ABOUT THERE HARASSMENTS.I 'M WRITE THIS FOR MY MOM SHE AS HEALTH ISSUES. WE ARE HAVE PROBLEM WITH PORTFOLIO CALLING AND HARASSING US THEY HAVE CALLED THE HOUSE 34 TIMES.MY MOM IS SICK OF IT.AND XXXX XXXX XXXX IS STILL CALL US ABOUT 7 TIMES WE ARE SICK OF THEM CALLING AND HARASSING US, AND SENDING LETTERS.I WISH THEY WELL STOP XXXX LEAVE XXXX ALONE. YOU CAN SEND THE INFORMATION ON MY MOM EMAIL ADDRESS.MY EMAIL IS NOT DOING RIGHT.THANK YOU.AND XXXX XXXX XXXX RINSING THE WAGES.


Date_received: 04/26/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company: New American Funding
State: WA
ZIP_code: 983XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ordered VA appraisal for purchase of a home and veteran loan. Have not paid appraiser. Will not communicate with appraiser. Per VA XXXX XXXX. XXXX.


Date_received: 04/29/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
ZIP_code: 282XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I payed off my debt but its still on my credit this is the company name and number Fair Collections & Outsourcing account number XXXX Creditor : XXXX XXXX XXXX XXXX my name is XXXX XXXX


Date_received: 05/06/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 951XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
6 months ago I discovered that I was a victim of identity theft and therefore I disputed XXXX accounts with the XXXX major credit agencies. XXXX and XXXX did comply with my investigation however, experian has not. I am requesting that they comply with my demand under the fair credit reporting act. I have submitted a notarized affidavit, police report and my request to move these accounts.


Complaint_ID: Yes
Date_received:
After I followed up with Citibank regarding the points, or lack thereof, I received a letter from Citibank Director of Client Research XXXX XXXX dated XXXX/XXXX/XXXX, in which she stated " A credit of XXXX ThankYou Points has been processed to your account today from Promotion XXXX ... '' As you can see from the attached online statement dated XXXX/XXXX/XXXX


Date_received: When I called Citibank today
Product: XXXX/XXXX/XXXX
Subproduct: at ( XXXX ) XXXX and spoke with XXXX who identified herself as XXXX
Subissue: but refused to provide that statement in writing
Complaint_ID: Yes
Issue:
 she told me that the XXXX ThankYou Points will be credited on my statement cycle beginning XXXX/XXXX/XXXX

Consumer_narrative:
 likely knowing it clearly contradicts the written statement from XXXX XXXX I had received on XXXX/XXXX/XXXX


Date_received: As stated above
Subproduct: is the fact that I withdrew my money and no longer keep {$50000.00} on balance
Complaint_ID: Yes
Product:
 the only explanation I have for Citibank 's refusal to credit me the XXXX ThankYou Points I should have received on or before XXXX/XXXX/XXXX


Product: which Citibank unilaterally changed and violated
Subproduct: I could have redeemed the points by XX/XX/XXXX
Issue: close the Citigold checking account on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX
Complaint_ID: Yes
Date_received:
Had I received the {$50000.00} ThankYou Points by XXXX/XXXX/XXXX like I was supposed to pursuant to the terms of offer I signed up for in XXXX


Date_received: Now
Subproduct: since the XXXX ThankYou Points still have not been posted. As a matter of fact
Issue: if you look closely at my today 's online statement
Subissue: you will see that the account balance is {$1000.00}. However
Consumer_narrative: the available balance on top is {$30.00} less
Company_public_response: {$1000.00}. Thus
Company: even though it is still XXXX XXXX
State: Citibank already withdrew ( just not posted ) the $ 30 monthly maintenance fee for XX/XX/XXXX
Date_sent_to_company: XXXX/XXXX/XXXX."
Company_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Timely_response: Citibank
Consumer_disputed: WI
Complaint_ID: 530XX
Product:
 it appears I will have to wait another month and incur yet another {$30.00} fee which will be automatically posted on XXXX/XXXX/XXXX

ZIP_code:
 which is just another proof of Citibank 's true malicious intentions for violating the original offer I signed up for in XX/XX/XXXX and their continued refusal to credit the XXXX ThankYou Points I should have received on or before XXXX/XXXX/XXXX. Due to Citibank 's wrongful delay

Submitted_via:
 I am incurring $ 60 monthly maintenance fees and still do not have the XXXX ThankYou Points as of today


Date_received: 04/26/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Mid-Michigan Collection Bureau
State: MI
ZIP_code: 481XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
mid Michigan credit bureau XXXX, mi never sent verification billings of debt or made any valid attempt before placing bad debt on my XXXX which was the only way I knew of it in the first place,


Subproduct: Ocwen
Issue: NJ
Subissue: 071XX
Company_public_response: Consent provided
Company: Web
State: 05/14/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Per document attached. A record of events as recorded by Ocwen, they did have the collateral file, reviewed it with investors and then returned it to XXXX XX/XX/XXXX ( custodian ). Why did Ocwen state then that they did n't have the collateral documents and why are they now issuing an affidavit of loss documents? if, again, they originally stated that original documents were never with Ocwen (? ) Why did they return the collateral files to custodian and then claim that they had lost it?


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Synchrony Financial
Issue: PR
Subissue: 009XX
Company_public_response: Consent provided
Company: Web
State: 05/04/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Its not fair that this company Banana Republic manipulates this and is not clear to customers so that one can plan accordingly.


Date_received: 04/04/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
ZIP_code: I re-checked the account and the funds were not restored
Date_sent_to_company: the funds had still not been restored. When I called Chase on Monday
Timely_response: at no time was I ever contacted by Chase to communicate those changes. In totality
Consumer_disputed: all I was given was incorrect information from the representatives. As a result
Consumer_narrative:
I have an account with JP Morgan Chase. I have both a checking account and auto loan. On Thursday, XXXX XXXX I was traveling for business and due to a cancellation of flight my business associate whom I was traveling with did not arrive until the next day. Because I was the first person to arrive at the hotel I was asked for authorization of payment. The payment for the hotel was set to be taken from my business associates corporate credit card however, since she was not there, I did not have the card to furnish. Unknown to me, they were requesting the amount of the entire stay ( I was only staying XXXX night, my business associate was staying XXXX nights ). My card was used to " authorize '' {$800.00}

Company_public_response:
 otherwise I was advised that I could not stay there. The following day when my business associate arrived

Company:
 the cards were changed and I was told the authorization on my account was cancelled. I was advised to call my bank to request that they release the hold/authorization as the transaction was only pending and was not a completed transaction. They even gave me a direct line for the bank to contact so they could confirm the authorization was cancelled on their end. I called JP Morgan Chase that Saturday on XXXX XXXX and was advised by the rep that I had to be transferred to the debit card fraud protection team. After a twenty minute conversation with the debit card fraud team

State:
 I was assured that this would not be a problem and that the funds would be restored within the next five minutes. They advised they did not need to check with the hotel. After five minutes

Submitted_via:
 I assumed the account would become whole on the following business day which was Monday since I was calling on a Saturday. On Monday

Company_response:
 I was told that they were not able to restore the funds. I remained on the phone for an hour and was transferred to the claims department twice. I was then told by a claims representative that the issue had been escalated and I would receive "" emergency funds '' within the next two hours. That also did not take place. Chase failed to give me accurate and correct information in regards to the activity that supposed to take place on my account. In addition

Complaint_ID:
 I incurred late fees for bills and rent that needed to be paid. Customer service was inaccurate and misleading in their information. When I spoke to a "" specialist '' on Monday they acknowledged I was given the wrong information and yet did nothing to rectify the issue but continue to give me more misleading and inaccurate information. This concerns me as neither institution seemed to have the funds and yet


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: TX
Subissue: 752XX
Company_public_response: Consent provided
Company: Web
State: 05/28/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX This item is currently being investigated. Date : XXXX XXXX, 2016


Date_received: 03/30/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 941XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX, XXXX , Florida . XXXX


Date_received: 05/06/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Billing dispute
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: IA
ZIP_code: 503XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
My husband and I were going through the motions to refinance. We got our credit pulled and mine dropped from high XXXX 's to mid XXXX 's. I 've done nothing different so we looked into it deeper. There is a collection on my report from a company I have named XXXX. I called them and they told me there is an account from XXXX XXXX opened in my name back in 2014. I have never had a century link account so that obviously is not me. I asked them to validate the debt and they ca n't for reasons that did n't make sense. I sent their identity theft department and email and have heard nothing back. I need help to validate this debt and restore my credit to it 's proper place.


Date_received: 04/26/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: MI
ZIP_code: 481XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My home mortgage with XXXX was transferred on XXXX. I received the new mortgage billing statement from Ditect Financial LLC after senting XXXX payment to XXXX within the grace period. Subsequently, I got Ditech statement with a {$77.00} late fee instead of usual {$19.00} fee. My wife tried to get the increase clarified, but was only told we owed {$630.00}. Please help us get the matter resolved. Can the new mortgage company charge almost {$100.00} in total fees?


Date_received: 04/18/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: Equifax
State: VA
ZIP_code: 221XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I ca n't access all my credit cause at the time to verify my past information it those not matched and is because i have some stuff under my credit that is not supposed to be in my credit and that i dont have no idea what they are


Date_received: 04/30/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
ZIP_code: 206XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Entered into a settlement agreement. Paid the agreed amount for a promise to remove. Paid amount full. Received letter stating paid in full. FCO continues to report an outstanding balance that I do not owe.


Subproduct: Portfolio Recovery Associates, Inc.
Issue: CT
Subissue: 063XX
Company_public_response: Consent provided
Company: Web
State: 05/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Also, I am writing because they are in noncompliance with the Fair Debt Collection Practices Act, Section 809. They have sent me debt verification letters, which does not suffice as a debt validation letter. I would like to know the chain of paperwork, from the original creditor, including the original agreement as this is my right. They have also broken the law by calling me after I have placed a cease and desist on my accounts with them.


Date_received: 05/07/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Northland Group, Inc.
State: AZ
ZIP_code: 950XX
Submitted_via: Older American, Servicemember
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 am a new resident in XXXX Az. About one month ago I started receiving calls from " Northland Group ''. I have had enough of their calls and blocked their phone number. I went to XXXX and there are over XXXX pages with complaints about this company. This company apparently is looking for a debtor and I owe nothing to anybody. I pay my bills within 30 days. I want them to stop calling my number because I do not think they are looking for me or my family members."


Complaint_ID: Yes
Date_received:
A bit more explanation : The charges were all from a XXXX station in XXXX, CA - a place I 've never been. I do, however, buy gas, etc ... at XXXX in XXXX XXXX, so if I see " XXXX - {$65.00} '' on a statement


Complaint_ID: Yes
Date_received:
Chase has informed me that my claim is invalid because the original charges were more than 35 days prior to me reporting them

Product:
 which they claim is backed up by federal regulations that were in effect 9 years ago when I opened the account


Date_received: Chase fully encourages the use of mobile banking
Complaint_ID: Yes
Product:
 making it exceedingly easy to miss individual charges like I did. Chase also encourages electronic statements available online. I do n't receive my statement in the mail


Complaint_ID: Yes
Date_received:
Yet they are adamant that even though they 've found multiple ways to discourage their customers from actually tracking their transactions


Date_received: As it stands now
Complaint_ID: Yes
Product:
 they are telling me they ca n't return a huge amount of money ( to me ) because of when the undeniably fraudulent activity began longer than 35 days prior to my reporting


Product: they could 've recovered at least those funds. They chose not to act at all for 31 days. Also
Subproduct: since all of the fraud was of the same variety and from the same source
Issue: if they 're able to track and recover the most recent charges
Complaint_ID: Yes
Date_received:
All of this is premised on the idea that the funds are unrecoverable. That is clearly contradictory.. If they have 35 days


Complaint_ID: Yes
Date_received:
I 've been a Chase business customer for 9 years. I 've had them alert me of fraudulent charges in the past


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: PA
Subissue: 194XX
Company_public_response: Consent provided
Company: Web
State: 05/05/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Citi has also charged me XXXX dollars as " release Fee '' when it is actually Recording Fee. I already paid the Recording Fee to my refinance company ( once for recording that Citi off the mortgage and once for recording that XXXX is on the mortgage ). I have also checked the same at XXXX XXXX XXXX and the monies for these transaction have been paid my closing company"


Date_received: 05/05/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: TN
ZIP_code: 373XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
We successfully completed chapter XXXX XXXX XXXX. Contacted Wells Fargo to take over loan payments and was told the loan had past due amount of $ XXXX. I got and compared their transaction history ( {$83000.00} ) to trustee payment history ( {$88000.00} ). I sent certified letters to them on XXXX and XXXX and have since made XXXX phone calls to their California bankruptcy department and the issue is still not resolved.


Date_received: 04/21/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: NC
ZIP_code: 276XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX XXXX, XXXX, NC XXXX Home has been sitting vacant, with no one maintaining it or paying Association assessments.


Date_received: 05/06/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: FL
ZIP_code: 329XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have XXXX medical bills on XXXX and XXXX XXXX accounts all in collections that were ALL removed and now they are back on my report. I do n't owe XXXX anything and I have medicade so the medical bills should have been billed to medicade not me. Also XXXX and experian do not show all of my good accounts and refuse to add them. experian has refused to remove any of the medical bills they show. the only report that is correct is XXXX. They removed all of the fraudelent accounts from my idenity theft all of the medical bills and they show all of my good accounts. I am so aggervated with fighting with experian and XXXX to fix my reports. I want to buy a house and this is making it impossible. Can you please help me?


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Subissue: Attempted to/Collected exempt funds
Company: The Best Service Co.,Inc
State: CA
ZIP_code: 934XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Professional collection consultants came to my place of employment and are attempting to garnish my wages for a debt I die not owe not ever have owed. They are attempting to collect {$4100.00} that I do not owe to anyone. I have no judgements, public records or collections of any kind. Proffesional collection consultants need to issue my employer a letter stating that I do not not never have owed this debt and all attempts to collect alleged debt need to seize immediately. I have already contacted a lawyer.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: SC
Subissue: 290XX
Company_public_response: Consent provided
Company: Web
State: 04/22/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
PLEASE VALIDATE OR DELETE THE ACCOUNT I CAN PROVIDE DOCUMENT SHOWING YOUR COMPANY DELETED THE ACCOUNTS IN QUESTION NOW THEY APPEAR BACK ON MY CREDIT REPORT


Date_received: 04/28/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Caliber Home Loans, Inc
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The home loan was transferred from XXXX to Caliber Home loans in XXXX XXXX. In XXXX XXXX, XXXX Caliber Home Loans filed a motion to cancel the foreclosure on my XXXX real property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX loan number XXXX. I made application for a loan modification. Despite the servicers motion to cancel the foreclosure sale the foreclosure sale was held by surprise. I have attempted to save my primary residence for my XXXX children. I have been told I have to vacate the house now. When I asked about relocation assistance monies and a move out date I was not given an answer. There is a pending appeal and pending eviction. The appeal attorney name is XXXX XXXX XXXX XXXXXXXXXXXX The eviction attorney name is XXXX XXXX XXXX XXXX. My first request is to follow up with the loan modification. My second request is to be given a XXXX XXXX, XXXX move out date with relocation assistance.


Date_received: 04/17/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: TX
ZIP_code: 775XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I 've been trying to dispute an account with this credit bureau since last year. After receiving a result letter from this bureau stating that I need to contact the collection agency that exactly what I did. I sent XXXX what I read as a " proof of claim '' letter and they responded with a contract that is hard to read the name is very blurry and illegible. The name on the contact saw a lady 's name of XXXX XXXX or whomever. See what I received in the attachment"


Date_received: 05/06/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CA
ZIP_code: 941XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have submitted a letter dated XXXX/XXXX/2016 from XXXX XXXX Bank. They state in the letter that on XXXX XXXX that they had removed foreclosure started from my credit report.They state on XXXX/XXXX/2016 they notified Trans Union Credit Company to remove this on-going report.They apologized for the inconvenience. The letter was signed by XXXX XXXX EXECUTIVE RESOLUTION SPECIALIST XXXX XXXX. She is available Mon, Tues, Thurs, Friday XXXX-XXXX Central time. She is the only person dealing with this. Document/Verification is at CFPB


Date_received: 05/02/2016
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: Synchrony Financial
State: NY
ZIP_code: 112XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On or about XXXX/XXXX/2016 I had submitted a payment to Walmart but unbeknownst to me the payment was subsequently returned for lack of sufficient funds in my checking account when I was made aware of the problem which was four days after I immediately Submitted another payment which posted to my account successfully I then logged into my account to view my payment history and to my surprise without Prior Notice Synchrony Bank which is a Spin off and or Subsidiary of GE Capital Bank closed my account their reason being that this had been the second instance of a payment that was presented had been returned it should be of note that at the time the item was presented I had sufficient funds available to cover but it is my financial institution policy to pay at the their discretion if I did n't have enough to cover I spoke with an " Account Manger '' who at first said that there was nothing that she could do to reopen the account which turned out to be an outright lie because she further went on to say that the only way the account could be reopened was if i faxed and or snail mailed them correspondence from my Financial Institution stating that it was an error on their part i than received correspondence from Synchrony Bank dated XXXX/XXXX/2016 apologizing and that my account has been corrected and that I was a valued customer and they hoped that I continued to shop and or patronize them which I can not because my account remains closed this is in fact not the way you treat a "" Valued Customer ''"


Date_received: 05/04/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CA
ZIP_code: 950XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Home Depot is reporting a 30 and 60 day late payment for the corresponding months of XXXX and XXXX 2015. What happened was that I have this account on auto pay from my bank ( XXXX ) and they neglected to make the payments and was told that it was due to a processing error. I spoke to Home Depot and they did credit me the late fees for both months, however they did not reverse the late payment reporting to the bureaus, which is why I am writing to you today to seek your assistance in this matter since its affecting my credit score.


Date_received: 06/25/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: SunTrust Banks, Inc.
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Our mortgage loan with SunTrust was barely 2 months late when the bank representative did not respond to an email I sent with the funds at least 8 hours before the cutoff notice. I still have a record of that email and the communications I had with the SunTrust mortgage bank representative. The end result was that SunTrust then forced us to complete a modification with their own Wholly owned subsidiary XXXX XXXX XXXX bank which forced us into more fees added to our mortgage outstanding loan and a longer time to process it. This scenario set the stage for at least XXXX other modifications later that has now resulted in a house that is under water and a balance that is inaccurate. The original loan amount was {$210000.00} in XXXX and at that time we made a down payment of {$13000.00} As of XXXX we are told that the balance owed is still {$210000.00}


Date_received: 05/13/2016
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: OH
ZIP_code: 452XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX, 2016 I received my XX/XX/XXXX/XX/XX/XXXX escrow in mail from Ditech Financial LLC. Upon reviewing I became alarmed by the huge property tax increase and large increase for XX/XX/XXXX mortgage payment due to these projections. ( felt a little sick because of a similiar situation taking place in XX/XX/XXXX/XX/XX/XXXX ). I telephoned next morning ( XX/XX/XXXX ) to find out what was going on. After several calls I was quickly able to realize that the escrow projections were in error based on customer service reading my neighbor 's parcel ID as well as mine. I explained that there was a legal amendment/ partial release to my mortgage based on an error of Green Tree 's when a refi was done as part of The Making The Home Affordable Program. ( XXXX XXXX had pulled the wrong legal desciption when refi was done ) I ask that they look in their system for the document and they were able to pull it up but some how it was overlooked when they uploaded file ; this was in connection from Ditech becoming GreenTree. Thus began the inconsistent information being given to me by customer service. I was told that under circumstances that it could take up to 14 days to investigate but with documents in their system to call mid next week and they should have it investigated. It was then said it would only take another 5-7 business days to perform new analysis. Finally the rep I spoke with said information from calls and XXXX page amendment would be emailed to me while we were on phone but to date no email has been sent. This made me very uncomfortable in thinking that the calls could be overlooked and so could the research they said they were going to do. Therefore I sent several faxes and letters ( Written Qualified Request and Notice of Error ) on Saturday, XX/XX/XXXX as well as messages to the online message center. I did not receive any phone calls to confirm receipt of information. Then on Monday, XXXX XXXX, 2016 I sent a letter priority mail ( so I could track when it would be delivered to ) The Taxing Department, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX As one last attempt I emailed Ditech directly XXXX. The email consisted of said letter and forwarded emails from XXXX County Treasures Office of which had the XXXX page partial release document attached. When I called Ditech Customer Service on Wednesday, XXXX XXXX and was told a whole set of different time lines, they were not allowed to email customers and that this could take up to 90 days after research was finished I became more than alarmed and realized I needed assistance in getting this error on their part fixed thus turning to you.


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: 926XX
Company_public_response: Consent provided
Company: Web
State: 04/27/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I feel like I was stolen from point blank and I want to get down to the bottom of where this missing {$100.00} is. It can not simply vanish into thin air. I did not place my bag down at all. Nor did anyone have access to it whatsoever. All of my other checks I cashed balanced perfectly. I should have counted to make sure the transaction was right at the register before leaving but I thought I could trust my teller. He never should have gone into another room with my money and then not count it infront of me.


Date_received: 05/10/2016
Product: Credit card
Issue: Late fee
Company: JPMorgan Chase & Co.
State: VA
ZIP_code: 223XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I remitted a payment to my JP Morgan Chase credit card moments ago via the company 's mobile application on XXXX XXXX, 2016. The due date on via the app is XXXX XXXX ; however, in checking my recent charges/expenses, it showed that JP Morgan changed me a {$37.00} late, which was imposed on XXXX/XXXX/16, which happens to be the date of my payment. I spoke with a rep, who in a condescending tone, stated that any payments made online after XXXX would be considered late, despite the fact that it is XXXX. JP Morgan should not be imposing late fees base on the limitations or capabilities of its system ; instead, based on the agreed upon due date. JP Morgan has repeatedly charged me with, and thus reduced my available balance based upon faulty due dates and limitations on their system. This abrupt reduction in my available balance has also impacted my credit score. Please help.


Date_received: 04/26/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: USAA Savings
State: KY
ZIP_code: 410XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Someone hacked my daughter 's deposit mobile on her cell phone and deposited XXXX checks into XXXX separate accounts. The hackers also did several other transactions with the accounts from grocery stores and various ATMs. The funds from the fraudulent checks were immediately available so the hackers transferred the funds between the accounts until they found an account that they could withdrawal money from an ATM. The bank says we are responsible for the money taken even though we are victims of identity theft. The bank has procedure for customers to file for identity theft and are victimizing us twice. We have filed police reports and reports with the FTC.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: ERC
Issue: OH
Subissue: 451XX
Company_public_response: Consent provided
Company: Web
State: 05/07/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This company should not be allowed to continue collections unless a full scale investigation proves their ability to follow and maintain Federal guidelines. Along side professional courtesy.


Date_received: 05/05/2016
Product: Credit card
Issue: Rewards
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: SC
ZIP_code: 290XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I enrolled in an At & T access more card offer that advertised a XXXX $ At & t phone credit when XXXX $ was spent within the first 3 months. I hit the mark on our XXXX statement and called in multiple times to confirm I was over the XXXX $ mark. Every person I talked to at Citi confirmed I was over the mark. Only after the 3 month period passed did I learn that I was XXXX $ short because they would not count the credit card fee towards the total. I was misled by multiple customer service reps and now I wont qualify for the offer. I attached a chat with a Citi rep confirming that my credit would arrive soon. Later I was told to fax in a proof of purchase which I also did. Only now have I been told I was XXXX $ short. Citi 's mistake has led to my cost of XXXX .


Product: I guess to prevent customer complaints. And it is not working for many days now
Subissue: Nationstar Mortgage
Consumer_narrative: CA
Company_public_response: 902XX
State: Consent provided
ZIP_code: Web
Submitted_via: 05/02/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Date_received:
They, Nationstar bought my mortgage from XXXX, of course without my consent, and since I had a home phone number on file, they started calling twice a day every day begging me to refinance the very same loan they just bought the way it is. I had to say I do not want to refinance the loan hundred times. I talked to manager, and to managers manager, and they keep promising the soliciting calls will stop but they did not till I disconnected the line. Thanks God I was smart enough never to give them my office number cause like I sad I had to disconnect the phone to get rid of them. That is the reason I will never call them from my cell or office line not to let them have the numbers. Now, they started making mistakes on my payments and charging " Other '' from my monthly payments. So I went to their web site to send them email and inquire about it but to my disbelief their web site is not working. Of course only if you want to send email

Subproduct:
 since last week. I just ca n't believe this joke of company has a license to do this business in the States. They can not introduce new "" Other '' charges to MY MONEY just because they want to. Right?"


Date_received: 05/13/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Company: Equifax
State: MI
ZIP_code: 482XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX XXXX is an addendum to my previous complaints about XXXX XXXX XXXX 's credit card closed in XX/XX/XXXX ) complaint about positive reporting I never made in XX/XX/XXXX. It serves - based on XXXX XXXX XXXX 's letters in response - that it falls on the credit reporting agency to stop the bank from any and all reporting regardless of what account. This includes credit cards, student loans, etc.


Date_received: 04/30/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Complaint_ID: Yes
Consumer_narrative:
I opened a Citigold checking account with Citi on XXXX/XXXX/XXXX due to receiving a promotional flyer offering XXXX XXXX XXXX AAdvantage miles using promotional code " XXXX '' if I met the following conditions : "" Within 60 days of account opening

Company_public_response:
 complete these everyday banking activities : - XXXX qualifying bill payment for 2 consecutive months - Spend {$1000.00} in purchases using your Citibank Debit Card '' I applied for the account and was approved


Complaint_ID: Yes
Date_received:
I also received an e-communication : Title : Our Research Results Date : XXXX/XXXX/XXXX Message : "" Your account does qualify for Promotion XXXX

Product:
 which offered XXXX XXXX Miles. Citibank is eager to have these miles applied to your XXXX XXXX AAdvantage account

Subproduct:
 however ; will need your XXXX XXXX AAdvantage account number to process your request. Please contact Citibank Online Services at XXXX at your earliest convenience to provide the AAdvantage account number. '' I did not wish to continue sending CSM to just provide my AAdvantage account number ( which I provided upon application )

Issue:
 so I called on XXXX/XXXX/XXXX to provide this information. I was told the information was submitted and I would hear back from Citi. I then received an e-communication : Title : Our Research Results Date : XXXX/XXXX/XXXX Message : "" Recently


Date_received: Unfortunately
Issue: XXXX minutes on XXXX/XXXX/XXXX ) on the phone to Citigold representatives
Company_public_response: especially since I verified multiple times I was eligible."
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Citibank
ZIP_code: CA
Submitted_via: 939XX
Date_sent_to_company: Servicemember
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 04/30/2016
Complaint_ID: Closed with non-monetary relief
Product:
 there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times

Subproduct:
 those offers are only available to the individual to whom the offer was addressed. '' I spoke at length ( XXXX minutes on XXXX/XXXX/XXXX

Subissue:
 who stated it was indicated in the account I was not eligible for the promotion. I confirmed multiple times via CSM and am now being denied my XXXX AAdvantage miles

Consumer_narrative:
 despite meeting all requirements and receiving a promotional flyer regarding this. It would be imprudent for Citi to believe I should keep that flyer for XXXX months to prove eligibility


Date_received: 05/13/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company: Speedy Cash Holdings
State: CA
ZIP_code: 902XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I took a loan from speedy cash which i paid in full. and retook another one. on XXXX/XXXX/15 they sent and e-mail saying there was a mistake in the XXXX loans but did n't clarify what it was. i kept e-mailing asking for account status and never received it in an e-mail. they charged my account without my authorization ( i contacted the bank and they reversed it ) they never sent me an account balance, instead they sent it to collection with the wrong amount and they wo n't fix it on my credit report.


Date_received: 04/30/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CA
ZIP_code: 941XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I opened a Citbank Citigold bank account, I was to received XXXX XXXX miles for opening account. In XX/XX/XXXX, citibank confirmed I qualified and completed the terms of the promotion and miles would post by XXXX XXXX. Miles have not posted and CitiBank is refusing to honor the promotion.


Date_received: 06/09/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: FL
ZIP_code: 336XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In 2014, I sold my home that was financed through Bank of America. Although the foreclosure process had started, I sold the home for a price that would cover the entire balance owed, interest generated and fees accumulated. Prior to closing however, Bank of America forced me into a Short Sale scenario but sending out the Escrow for insurance that was n't due for another month and by their attorney having increased fees. The attorney also did n't respond to a request for payoff for over a month that accumulated more in interest fees. Although the payoff was only {$2200.00} short because of their actions on a {$170000.00} amount, they have reported it as not paid in full on my credit. They have refused to reexamine the situation or refund the additional amount of interest because of their attorney 's actions. I was not able to use HARP as I was self employed. They refused to modify my mortgage loan as well.


Complaint_ID: Yes
Date_received:
RE : MidAtlantic Finance Company Account No. XXXX - NOT TO BE CONFUSED with my current MAF loan MidAtlantic Finance Company has reported several false items to all XXXX credit reporting agencies


Date_received: Most recently
Product: I settled this account per agreement on XXXX XXXX
Subproduct: XXXX
Complaint_ID: Yes
Issue:
 yet MAF reported it is a payment on the amount claimed owed ( which has been disputed since XXXX XXXX ). But that is just the most recent false information that was reported. It is showing a debt of {$250.00} per month along with XXXX different amounts charged off of the {$950.00} ( plus interest ) and another {$5100.00} that INCLUDES the {$950.00}. Please refer to the following as I NEVER owed MAF {$8100.00} as it reported. That was the original amount financed in XXXX XXXX with XXXX XXXX


Product: XXXX
Subproduct: with my first payment being due to MAF XXXX XXXX. Therefore
Complaint_ID: Yes
Date_received:
1 ) Car was purchased in XXXX XXXX and was financed IN HOUSE until XXXX XXXX per MAF 's statement of XXXX XXXX


Product: XXXX. I paid the {$250.00} XXXX payment plus additional interest fees on XXXX XXXX
Subproduct: XXXX. The insurance company paid {$4200.00} on XXXX XXXX
Issue: XXXX
Consumer_narrative: with no expiration date
Company_public_response: so I disputed the {$950.00} for 18 months before giving up. Finally
Company: MAF sent me the accounting in XXXX XXXX
Complaint_ID: Yes
Date_received:
2 ) There was NEVER a charge-off of {$5100.00} for the following reasons : a. Car was totaled XXXX XXXX

Subissue:
 leaving a balance per MAF of {$950.00} ( disputed since XXXX XXXX ) ; b. I was given a payoff in XXXX XXXX of {$5200.00}


Complaint_ID: Yes
Date_received:
The included supporting documents are as follows in a single PDF and numbered accordingly : 1 ) MAF - Accounting XXXX XXXX - received from MAF in XXXX XXXX - all writing on the page is by someone at MAF. This is a scan of exactly what I received. I was unaware that XXXX allegedly had my account prior to XXXX XXXX as all payments were made directly to the car dealership prior to XXXX XXXX. MAF accounting shows only {$950.00} ( disputed ) owed as of XXXX XXXX


