# complaints

Date_received: 06/21/2016
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: AZ
ZIP_code: 857XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
As outlined in the attached short letter and supporting documents, Freedom Mortgage violated the FCRA by willfully and recklessly made incorrect reports of delinquency to Credit Bureau ( s ) they acknowledge in writing they should n't have made.


Date_received: 05/23/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: MI
ZIP_code: 496XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Loan documents had spouses name added after the closing date. Her name was wrote in after the closing date and signature forged on loan documents. Also Notary falsified documents stating they were at the closing. -- The Notary was not present at closing. -- Some documents by Notary state closing took place in XXXX XXXX and another document states the closing took place in another XXXX hours away from place of signing at closing.This information was found after our attorney requested information from Wells Fargo about our payments not being applied and always showing me as a late payer.Have tried for several years to refinance else where but because Wells Fargo falsified payment information other lenders could not refinance us. We recently hired an attorney and because of this they have accelerated our mortgage and are trying to foreclose our home. Once again not trying to work this out. We have been paying on the loan for ten years and due to there record keeping practices we supposedly have only paid off {$5600.00} towards the principle?? Yet we have paid {$90000.00} in interest? I could keep writing for awhile about the other stunts they have pulled on us from XXXX to XXXX. We are slaves to them and now they are trying to foreclose even though we have proof of making our payments on time.We tried to get a loan modification and after being turned down for not sending docs in on time .The XXXX different times they requested the same docs we had sent numerous times previously we were kinda given a loan modification. ( They gave us a balloon payment due at the end of the note and increased our principle balance by {$4500.00}. NO interest reduction and a second Mortgage ) Some modification huh? But I was told after paying on the modification payment for eleven months successfully that I had paid late the last month and lost the Modification.?? So I am deeper in debt than I was before the Modification. This company is a predator, dishonest and full of greed. WHAT HAS HAPPENED TO AMERICA? We are hard working, WE do not work the system. We do not live beyond our means We do not waste money on unnecessary things. Is it to much to ask that when you buy a home and make your payments, That your mortgage company applies your payment? Then when you question there accounting they try to sneak a fore closer sale behind your back while saying they are looking into your concerns. They have to be stopped other wise other honest, hard working Americans will suffer.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Ditech Financial LLC
Issue: OH
Subissue: 441XX
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:
Now again in XXXX XXXX Ditech has disbursed from my new loan another county tax payment of {$4900.00}. I have called Ditech nearly 6 times in the past 2 months to be certain my escrow accounts are being handled correctly. To date they are not responding to where my escrow money is from the previous loan. I am basically out {$4900.00} due to their error.


Subproduct: Caliber Home Loans, Inc
Issue: CA
Subissue: 926XX
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
On XXXX XXXX, XXXX, we were reviewed again for in-house mod, and Caliber HL denied the modification due to house has equity. I submitted a letter of appeal and while on appeal, Caliber Home Loans filed an NOD which is a clear violation of CA Bill of Homeowners ' right. We re-applied another loan mod & submitted everything on XXXX XXXX. When I called on XXXX, per XXXX ID # XXXX, they received all XXXX pages. They received everything in 1 day when in the past it took 3 months before they finally said they had everything. Something was not right. True enough, we got denied again, and incomes were wrong. When I told the rep that they were wrong, he said it does not matter, for incomes are irrelevant, for we are going to be denied anyways due to the fact that house has an equity already. This is truly an UNFAIR LABOR PRACTICE of CALIBER HOME LOANS. They are to foreclose the property just because there 's already an equity of the house. We have been trying to get mod with XXXX since XXXX when the market was down and now that there 's an equity of the house, we are being denied. Where 's justice? Was it our fault that the mod has been dragged for 6 years plus, and now that there 's equity, it can not be modified? There 's so much greed in such a way that they 're hurting consumers like us. We need help please from federal govt. Little people like us can not fight them.


Date_received: 12/14/2015
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company chooses not to provide a public response
Company: Flagstar Bank
State: MD
ZIP_code: 206XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 12/14/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, XXXX, I filed for bankruptcy chapter XXXX which included my mortgage company Flagstar Bank as a creditor. I never reaffirmed any debt with Flagstar Bank as they did not attend the meeting of the creditors. My chapter XXXX was discharged on XXXX XXXX, XXXX. In XXXX XXXX, I contacted Flagstar Bank to request a loan modification, which at this point I was only month behind in payments because of lost wages due to XXXX and prior injuries. I submitted all requested documents to Loss Mitigation at Flagstar. I resubmitted other documents as requested to Flagstar along with current bank statements as needed. In XXXX XXXX, Flagstar Bank filed for foreclosure with the XXXX XXXX XXXX XXXX. In the Preliminary Loss Mitigation Affidavit, Flagstar stated that the loan modification was denied because I filed for chapter XXXX bankruptcy on XXXX/XXXX/XXXX which disqualified me for FHA modification and HMP. I did not file for chapter XXXX on XXXX/XXXX/XXXX. My chapter XXXX was filed in XXXX and XXXX in XXXX. Again at the time of my modification request I was qualified for a FHA modification and HMP as I was only a month or two behind in my payments. Additionally, Flagstar Bank violated bankruptcy laws as they continued to contact me demanding payments after I filed chapter XXXX via telephone, mail, emails, etc. In XXXX XXXX, a mediation hearing was held at the XXXX of Administrative Hearings. Again, Flagstar refused to modify the loan. To date, foreclosure proceedings are still pending with the court and all attempts to modify the loan were unsuccessful.


Product: after reconfirming eligibility and terms via REST Report/Loan Disposition Analysis/NPV
Subproduct: these fees should be waived
Issue: as this loan qualifies for HAMP Tier 1 & Tier 2
Subissue: as it is confirmed that the investor participates ; the borrower
Consumer_narrative: in good faith
Complaint_ID: Yes
Date_received:
The servicer ( ASC ) cliams the investor ( s ) will not modify/pay " Corporate Advance Fees/RICO ) fees. However


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Credit Bureau of Lancaster County, Inc.
State: NJ
ZIP_code: 083XX
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 was notified by my credit company that my credit score had dropped. I checked my credit report and saw that I had a collection agency report. I was never notified of the debt, never given a chance to dispute it or to give my insurance information. Lancaster Collection alleges that they do n't have my info but they were still able to place it on my credit report. They could have gotten my address and phone number ( same number for 15 years ) from my credit report. When I called they said it would take 55 days to remove this from my credit report!!!! I was never given a chance to stop it from going on my credit report. I am suffering damages each day my credit score is artificially lower. Car insurance renewal, credit card companies evaluating me for offers or lowering credit limit thus increasing my debt ratio. This is terrible that they have the power to do this without speaking to me first!


Date_received: 03/14/2016
Product: Credit card
Issue: Billing disputes
Company: Encore Capital Group
State: MI
ZIP_code: 490XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
im being billed for a credit card that is not mine over 7 yrs old they been stealing my tax returns the orignal creditor is first consumers XXXX XXXX XXXX XXXX account number is XXXX want it droped of my credit report and i want all my money they stold back with intrest


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: AZ
ZIP_code: 850XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
my morgage just transfered hands, payment was XXXX i paid XXXX every year for 20 yrs. i had insurance and taxes added to my mortgage 1.5 yrs back. it seems the old mortgage apply-ed all the $ $ to p-i only, no notice of shortage to alarm me of problem. new mortgage wants XXXX and will not apply the extra amount to loan amount and wants a XXXX per month payment for 48 months. ive spent hrs try ing to get them to correct the problem that was error-ed on their side. i know my principle is lower but extra XXXX per month is not do-able. being self employed refinancing is harder to do. along with the late fees and there demands. i stilled paid my payment but it was XXXX short do to the new amount. my old co. was greentree


Date_received: 05/05/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company_public_response: I finally received a letter from Ally
Company: stating CHEXSYSTEMS INC was unable to verify my identity. Then
State: in order to gain access to the full report
Submitted_via: I called the listed number ; however
Date_sent_to_company: the only thing the company has on the end of the line is an automated voice mail. In addition
Company_response: XXXX was unable to "" supply specific reasons why [ they ] have denied [ my ] application. '' So
Timely_response: after being promised my credit score would not be affected
Consumer_disputed: my score actually dropped over XXXX points!"
Complaint_ID: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative:
I tried to open an XXXX checking account, and I was denied even though my credit score was over XXXX. With seven years of a full time job, no student debt, auto loans, or any loans period, I was denied a savings account even though I already have XXXX at XXXX XXXX XXXX. After my first denial, I called XXXX XXXX, and the company encouraged me to try again, stating they did not conduct a " hard credit check. '' After my third try over five months

ZIP_code:
 I had to complete a form on CHEXSYSTEM 's website that asked for everything from my current address to my social security number - extremely sensitive information. Instead of completing their application


Date_received: 06/07/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Settlement process and costs
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: MI
ZIP_code: 491XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/10/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Trying to sell a home that is part of an estate that I am personal representative of. Working with a title company have a cash buyer and bank of america wo n't release the deed until 60 days after payment has been made. Basically blocking me from sale title company has been working with them for over a month were suppose to close last month and have gotten no where they are close to foreclosure. The amount of the sale would pay them off in full meanwhile bank of america is charging more interest, penalties, and taxes. Loan was first a Va land contract and payments were made threw countrywide. Bank of america bought them out and now state is a mortgage payment.


Date_received: 02/16/2016
Product: Debt collection
Subproduct: I do not know
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Company: The Law Offices of Barry J. Gammons, PLLC
State: TN
ZIP_code: 380XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/05/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
debt was in dispute, but still passed to another debt collector, who advanced to file an illegal action


Date_received: 04/22/2016
Product: Prepaid card
Subproduct: General purpose card
Issue: Unauthorized transactions/trans. issues
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: IA
ZIP_code: 522XX
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 bought XXXX Mastercard gift cards from XXXX. These Gift Cards are issued by US Bank. When I went to use them I found that money had been drained form them. I contacted US Bank and they asked to fax in information such as a copy of the card and the sales receipts. They said someone will contact me within 24-48 hours. After two weeks no one contacted me. So I called them and then they said that no one was supposed to contact me and now they will file a dispute and I need to send in more faxes. Everytime I call they give me different information. They are just giving me the run around and holding my money hostage


Date_received: 05/07/2016
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: Wells Fargo & Company
State: OH
ZIP_code: 432XX
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 was told to change my credit card number since I could not get the phone number for XXXX. I changed credit card numbers and Wells Fargo still let the charge go through. The charge was {$19.00}


Date_received: 04/26/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Taking out the loan or lease
Company: Santander Consumer USA Holdings Inc
State: GA
ZIP_code: 313XX
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 went to purchase a car on XXXX/XXXX/2016. I gave the dealer permission to submit mine and my co signers credit application to XXXX finance companies. They submitted our applications to XXXX finance companies which was 6+ more than I authorized. We signed a contract that day to purchase a car. The next day they sent our credit application to another finance company after I had already made a purchase. Fast forward to XXXX/XXXX/2016 and they have sent our credit app to XXXX finance companies today without authorization and after we have already purchased a car. They are steadily adding credit inquiries to our reports without our permission.


Date_received: 04/29/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: JPMorgan Chase & Co.
State: FL
ZIP_code: 346XX
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 disputed this debt with XXXX because I do not owe anything to XXXX XXXX XXXX for a Chase Account. I complained in XX/XX/XXXX on this site for them taking a check wrote to XXXX XXXX financial and cashing it on this account for Chase bank. They have now reported to XXXX that I made a payment on XX/XX/2015 claiming that check was a payment. So no they have committed fraud by cashing a check not wrote to them and they have lied to the XXXX bureaus that report your credit information.


Date_received: 04/25/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company: paying off debt
ZIP_code: I asked him what I could do to increase that number such as reducing debt
Submitted_via: increasing down payment
Company_response: ALL options
Consumer_disputed: he told me that he would calculate them at 3 %
Complaint_ID: which is significantly higher. It was at this point
Consumer_narrative:
On XXXX/XXXX/2016, I began corresponding with Quicken Loans to inquire about a home loan. We had an issue with our previous Quicken loan, but were trying to overlook it because they were easy to work throughout our initial refinance on another home. I spoke with XXXX, who informed me that based on our situation since we were relocating across the country we would want to speak to a relocation mortgage expert. He forwarded my information to XXXX XXXX. XXXX called me on XX/XX/XXXX to discuss our situation and I explained to him the details of our move, etc. He sent myself and my partner a mini-application to complete because he recommended doing a " Mortgage First '' option through them. We completed the mini-application and he told me that we would be better off to leave my partner off the loan because he has a substantial student loan from getting his XXXX. Our original requested amount was for $ XXXX. XXXX informed me that he could approve me by myself for roughly $ XXXX and that might be an issue. We started discussing options and he continued to steer me towards FHA and when I would ask questions about conventional he would provide a generic statement and transition back to FHA. At one point

Company_public_response:
 my partner had called him asking what options he could do to help to ensure we could both be on the mortgage such as selling his car

State:
 etc. XXXX informed him there was nothing that he could do and that I would need to do the mortgage by myself but we could both be on the deed to the home. After this I spoke with XXXX and informed him that my original income was overstated by {$3500.00}. He immediately informed me that my pre-approved amount would drop somewhere to $ XXXX or $ XXXX. At no point would he provide meaningful answers

Date_sent_to_company:
 etc and he informed me there was nothing that I could do and that maybe we should consider renting for a year and paying off some debt. I believe his job is to provide options

Timely_response:
 and be honest and upfront and not discourage someone from getting a mortgage. Knowing that my student loans are not reporting a minimum payment on my credit report


Date_received: 05/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: TX
ZIP_code: 773XX
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:
The IRS filed a lien on our credit on XXXX XXXX, 2014. The lien was subsequently withdrawn XXXX XXXX, 2014. The Credit Bureaus did not report the with drawl and has caused our once good rating to suffer for over two years. How can the credit agencies be so quick to pick up the negative reports, but fail to report a positive. Also we see that the credit bureaus reported bankruptcy verbiage on our report. We have never filed bankcruptcy. I request these XXXX issues be corrected immediately,


Date_received: 06/06/2016
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: NC
ZIP_code: 274XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We have been have dealing with this issue with Bank of America for a long time. We are losing our home and we actually have a foreclosure date of XXXX the XXXX. We are currently going through the process again to try and receive another Trial modification. The last trial payment that we were approved for we could not afford it was almost {$1600.00} and since we could n't afford it we were declined. Now the trial mod we received before then we paid all of our XXXX payments as instructed but we were denied that time because of a notary issue. We had the documents notarized XXXX separate times, one time we even went to a branch at Bank of America as instructed by our representative and we were told the documents were still notarized incorrectly. Because we were having such an issue with the notary Bank of America had a XXXX party notary contact us to meet us at our home to notarize our documents. The day of our appointment the 3rd party had an issue, and the company did n't have another person to notarize our documents and our appointment was cancelled. I spoke with a representative from the bank and the notary company that Bank of America connected us with, and XXXX parties assured me that because the appointment was cancelled by the representative that our modification would not get denied because it was not our fault that the appointment was cancelled, and that Bank of America would honor it because they bank knew we were working with a party they contracted. All of this transpired on a Thursday and Friday. Our modification documents were due over the weekend and when Monday came we were told we could not send the documents in because we missed our deadline date. Even after I was assured that would not happen. I spoke to our representative and he said he would look into the issue. I never heard back from our representative and a few weeks later we got papers in the mail stating our modification was denied. When I called the rep he told me it was my fault and said that all I could do was start the process over again. I told him I was going to appeal and he told me it would n't do any good, I contacted the appeals department within the 30 days and spoke with a gentleman who then told me I was supposed to go through that with my rep because their department does n't handle appeals anymore, but he also gave me another number to contact, I had been speaking to a person who told me my account had not been handled correctly and she began researching it for me, until all of a sudden her calls stopped, by this time 30 days had passed and the bank was telling me that I did n't contact the appeals department in time, but I clearly did. I do n't know if you can pull and research my file in time but I certainly hope and pray you can help me because I do n't know what else to do.


Date_received: 06/17/2016
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: OH
ZIP_code: 452XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16, I received documents from US Bank dated XXXX/XXXX/16 stating I was approved for a deed in lieu if I complete the agreement. On XXXX XXXX, 2016, my security alarm was sounded due someone broke into my home. The XXXX locks on the screen door were damaged and the main door dead bolt was removed and the door knob had a lock box on it. My screens to XXXX back windows were raised. The police was notified. The person ( s ) were gone by the time we arrived. My lawyer, XXXX XXXX was immediately notified. Since he was traveling he requested me to contact US Bank to stop preservation. When I contacted US Bank I was told they did n't do it & my account was referred to a third party, XXXX. US Bank contacted XXXX and they stated they did n't do it either ( an invoice attached ). I also contacted the XXXX & XXXX law firm since I received papers regarding the deed in lieu that went with the other papers. They also said they did n't do this either. No one is taking accountability for this. The US Bank rep stated in their database I had to vacate the premises by XXXX/XXXX/16. I have not received any official documents stating when to vacate the premises. My last payment arrangement is due XXXX/XXXX/16. I informed the rep did n't you see my 1st payment & that I am in an arrangement so this could n't make since. I had to replace my locks and my security alarm had to get serviced since they damaged the sensor on the front door. I have attached my certified payment receipts received by the banks, my last payment made to the bank which should be received to them on XXXX/XXXX/16 per the postal service, pictures, letters from the bank with details, etc. My privacy has been violated and feel humiliated. I have had sleepness nights. I 'm very concerned that they will break into my home again and evict my belongings. I am very upset by all of this.


Date_received: 05/04/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: DCI Credit Services, Inc.
State: HI
ZIP_code: 967XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked DCI Credit Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 03/18/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Flagstar Bank
State: FL
ZIP_code: 342XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Payments have been made twice a month, in advance, for over 5 years. The bank continually delays posting the payments and periodically assesses late charges incorrectly. Now they have actually returned payments. As of now, the interest charged on the account is far in excess of what is actually due.


Subproduct: Equifax
Issue: OR
Subissue: 976XX
Consumer_narrative: Older American
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:
Contacted creditor and spoke with XXXX at XXXX and XXXX XXXX at XXXX. XXXX stated that they do not change the reporting dates and we should contact the credit reporting bureaus. He also gave us the original reporting date of XX/XX/XXXX. XXXX XXXX gave us the original reporting date of XX/XX/XXXX. Credit bureau states the creditor provides the reporting dates. No one can tell us why dates keep changing. Loans have been denied due to the balance still showing outstanding. Credit report provided by lender who denied us shows this account as a charge off.


Date_received: 04/28/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: they have up to 364 days after the date on the check to cash it ... So
State: they pay attention to the date in case the check is old
Submitted_via: but that if it is prior to that date
Date_sent_to_company: you do n't care as a bank? I explained that because of this issue
Complaint_ID: Yes
Consumer_narrative:
I wrote a check to my roommate to cover my rent for the upcoming month. I dated the check for the date that my paycheck would be in my account. I have done this countless times before and never had an issue. The check was dated for XXXX XXXX. On XXXX XXXX, 2016, TD Bank ( the bank my check was from ) allowed the check to be cashed. That in turn caused my bank account to be overdrawn by nearly {$900.00}. When I contacted TD Bank to ask why they would allow a check that was post dated to be cashed, I was told that they " do n't really look at the date on the check ''. Since when?!? I asked to speak to a manger and was told again that they do not even look at the date on the check anymore. And that "" in this day and age

Company_public_response:
 the date on the check does n't matter ''. The manager then explained that if I write a check to someone

ZIP_code:
 but do n't care if the date on the check has n't even occurred yet. How are you going to rationalize telling me the date matters if it is past 1 year after the check was issued

Company_response:
 I now did n't even have the money to get home from work that day. The manager then explained that I should know better than to post date a check and that I should not do it in the future. Overall


Date_received: Today
Product: XXXX XXXX
Subproduct: 2016
Subissue: XXXX that is why the check was dated for that day )
Consumer_narrative: then
Company_public_response: because that {$35.00} overdraft fee came from an account that was overdrawn
State: because I am just little old me
Complaint_ID: Yes
Issue:
 I looked at my bank balance and there was an additional {$70.00} that had been taken out of my account. {$35.00} for the account being over drawn ( I do n't get paid till Friday XXXX

Company:
 they charged an ADDITIONAL {$35.00}. I called the bank and had a very pleasant young lady who reversed the {$70.00} charge and also told me that she agrees with me that it is terrible business to allow a check to clear two days prior to the date that was on the check. I have had checks from government agencies and no bank will cash that check till the date on said check. But


Date_received: 03/23/2016
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: FL
ZIP_code: 327XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Sir, It is a complaint general in nature not specifically against XXXX credit reporting company. For the last 5 years or so I have been paying my bills on time, have no debt, no mortgage, am home owner ( mobile home, fully paid ) own my car. But still my credit score is a big factor in being declined for even insurance. I do have XXXX credit cards. Is there any hope for me to get a good credit score during my life time despite my good financial behavior. I am XXXX years old. I would be nice to hear something favorable from you. May XXXX bless you.


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: North American Credit Services
State: GA
ZIP_code: 302XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
There is a charge of {$69.00} placed on my credit report by a collection agency from XXXX from XXXX XXXX XXXX. At that time I worked for the hospital and was covered through the hospitals insurance XXXX. I had a copay which I paid each apt prior to receiving any services. I have contacted this collection agency because this is truly an error and it is affecting my credit at a critical time. The credit agency refuses to remove the from my credit file I contacted both XXXX of XXXX which has been taken over by XXXX XXXX and was told I have no balance nor were any debts sent to a collection agency. XXXX XXXX directed me to their physicians billing at XXXX that also told me I owe no money and there was no collection activity against me. Something similar happened a few months ago were XXXX XXXX sent a bill to my old address for payment of over {$700.00} which was not due. At that time I contacted XXXX XXXX who looked into the matter and it was corrected. Please help me resolve this I am attempting to apply for student loans for my daughter and this is hindering the process.


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently pulled my credit report from Transunion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Transunion and the results of the investigation came back as " verified ''. I did not have an account with XXXX during this time period. XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report."


Date_received: 05/31/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: PHH Mortgage
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In a permanent XXXX lien HAMP modification thru Making home Affordable program. Servicer ( PHH Mortgage ) is refused to offer a 2MP modification on the XXXX lien, even after I requested it be done, per Making Home Affordable Directives. Now XXXX lien note ( HELOC ) is in repayment period with a substantial increase at 2.7 times my previous monthly payments. PHH Mortgage services XXXX and XXXX liens and will not answer critical questions submitted in the Qualified Written Request. I have submitted a completed submission package as directed by the Relationship Manager, whereas ; I specifically indicated on all correspondence to PHH, the intent of all submissions are for 2MP implementation. PHH tells me XXXX XXXX owns my XXXX note, but I have proof that it does not own my XXXX note.


Date_received: 04/21/2016
Product: Credit card
Issue: Rewards
Company_public_response: still lists them as "" available '' but not able to redeem because account is not open."
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Bank of America
ZIP_code: MD
Submitted_via: 212XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 04/21/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
Bank of America notified me they were closing down my credit and checking accounts due to a " business decision. '' No other reason was given.They closed the accounts down with available reward points remaining. I currently have XXXX points ( equivalent of {$220.00} ) that is still currently listed as available. I was advised that the points are available but I can not redeem them because the account is closed. BOA essentially stole my reward points


Subproduct: Pinnacle Credit Services, LLC
Issue: OK
Subissue: 740XX
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have been working with my state 's Consumer Protection Office and the Attorney General 's Office. Pinnacle still refuses to cooperate.


Date_received: 05/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: TX
ZIP_code: 786XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Hello I would like to file a formal complaint against my loan servicer in regards to my mortgage. On several occasions over the past 3 years Ocwen has continuously ignored my complaints to prove or show cause that they have a legal right to seek any results based on my mortgage. I have sent several request for QWR 's, complaints, dispute of debts and validation of debt letters as well as TILA request. All of which have gone ignored as Ocwen can not prove the validity of the debt or there compliance in this matter. Ocwen has failed to meet any of the " QWR '' under 12 USC 2605 or "" RESPA '' request for validation of debt under 15 USC 1692 of the "" FDCPA '' 15 USC 1641. All of the above actions have been recorded in the last certified letter that was sent to Ocwen. in this letter it was clearly stated that my mortgage allowed me via contract right under Regulation X ( 24 C.F.R Part 3500 ) to request information from the Servicer. The Servicer ( Ocwen ) has never complied with any of my request and as the letter reads there have been several request over this time frame."


Date_received: 05/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
EQUIFAX continues to re-insert an account with XXXX they have previously deleted. I NEVER paid this account late nor was it ever a repossession from ME as EQUIFAX erroneously reports in my most recent file with them. Any and all issues with this account belong to my former spouse and date back to 2007.


Date_received: 05/09/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Taking out the loan or lease
Company: Santander Consumer USA Holdings Inc
State: VA
ZIP_code: 236XX
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 am filing a complaint against Santander Consumer USA due to these facts they report False information to the credit Bureau. First of all this car was obtained on XXXX XXXX 2014 with the payments being XXXX for 72 months with the payment due the XXXX of every month. And the first payment commencing on XXXX XXXX per XXXX request because they were having issues getting me set up on XXXX deposit and that was paid. on time. there was another payment that they received on the first but they did not cash until XX/XX/XXXX. They Reported that they were not paid XXXX From ABNB they received a check for XXXX which was false information I will attach copy of the check for the amount of XXXX that Santander Consumer USA cashed at XXXX XXXX Bank in Texas. Then they stated I made a payment in the amount of XXXX and it was a credit card charge back which was incorrect I sent them a cashiers check in the amount of XXXX and they cashed it XXXX XXXX. I will also send a copy of that check. for proof of that. There are XXXX credit bureaus and they have gave all XXXX conflicting information starting with XXXX they have it on my report as a repossession charge off for the amount of XXXX and stated that I never made a payment and I got the car XXXX 2014 and that it was taken in XX/XX/XXXX as a repossession. then they have it on my XXXX credit report that it was open XXXX XXXX, 2014 and they I only made 1 payment so it was a XXXX charge off paid in full. I will attach the title to my vehicle letting you know its not a repossession or a charge off. So then we did the figuring to this car loan with a high balance of XXXX and we subtracted the payoff amount that was quoted to XXXX on XXXX XXXX 2014 was XXXX and that brought the balance to {$440.00} then we subtracted the XXXX that they cashed XXXX XXXX which bought the balance to {$52.00} but they said I had and overage XXXX which I should have never received the overage because my balance was {$52.00} then But I was unaware of that. So If I owe Santander Consumer USA anything I owe them {$52.00} back because that check for XXXX was incorrect. I will attach documents to all information that I am stating. XXXX XXXX bought this car before XXXX XXXX because that would have been my next payment of XXXX but the Bank bought my car so they got the payout quote.


Date_received: 05/08/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
ZIP_code: 554XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
There are unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report that do n't belong to me. This is my second complaint against Chex Systems in regards to this matter. I filed a police report with the XXXX Police Department in regards to the unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report. I was given a police report case number which is : XXXX.


Date_received: 04/28/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: TD Bank US Holding Company
State: NJ
ZIP_code: 080XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I overdrawn my account with a transaction and it posted and was charged the {$35.00} overdraft fee. The next day the bank reversed the transaction and charged me another {$35.00} overdraft fee. If I am being charged for an overdraft fee once for the transaction I should not be charged it again.


Date_received: 04/21/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 913XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/21/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I filed a claim with chase for XXXX this amount was charged to my account from a vendor without my consent. This vendor is XXXX my wife and I stayed at their resort during our honeymoon. Chase asked my to provide docs showing that this amount was settled in cash I provided the receipts that were given to me by the venue to Chase right after I filed the claim. 4 months go by I do not hear from Chase at all and all of the funds are reverse out of my account without notice leaving now with OD fees and huge negative balance. I called Chase to see why this happened, the representative said it was because I never submitted any documents. After explaining to the representative that did in fact submit the documents right away the representative put me on hold and did some research and saw that the docs I submitted were never reviewed. He then proceeded to re-open the claim and the funds were put back into my account and the fees were reversed. Yesterday after nearly 4 months with no notification chase took the funds out of my account again with out notice and leaving my account in the negative with OD fees, this time they said that its because time expired and they cant collect the amount from the vendor, then they said that docs I provided are not valid. No one from Chase contacted me requesting any additional information and Chase never requested the signed bank copy from the vendor. How am I supposed to know that what they have is not valid if they do n't inform me? I spoke to a claims supervisor named XXXX and she stated that people over there do n't know what they are doing that 's why I had to speak to a supervisor, she was terrible and was not able to help me at all. In fact this woman kept taunting me through out the call. Please CFPB help me get this resolved. Thank you so much.


Date_received: 05/06/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: PNC Bank N.A.
State: PA
ZIP_code: 151XX
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 am a victim of identity theft, my sister, took my cards to XXXX accounts with pnc bank, she knew my pin because she knows I use the same pin for everything se withdrew cash, we look a lot alike and the bank would not credit that back to me, when they looked at film, she changed her XXXX to look like mine. There was XXXX in debits that were made by her that I have disputed and they are not returning everything, and the are putting my accounts in the negative, this is not my fault, I should n't have to pay for what was done to me.I should receive my credits, because I had n't used my card since XXXX because i had them closed.


Date_received: 05/05/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Received marketing offer after opted out
Company: Equifax
State: WA
ZIP_code: 986XX
Submitted_via: Older American
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 was seeking information on lower interest rates for mortgages for my Daughter. When the form asked for my SSN, I opted out not wanting to give my SSN since I was not inquiring for myself. At this point I assumed it would close the form and no harm done. This appeared as a hard inquiry on my XXXX and Equifax Credit Report that resulted in lowering my Credit Scores.The company that filed the inquiry was XXXX XXXX.


Date_received: 05/20/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Freedom Mortgage
State: NJ
ZIP_code: 070XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I 'm writing to report illegal interest charges on my mortgage account with Freedom Mortgage. I refinanced with Freedom Mortgage, and my closing date was XXXX/XXXX/2016. On XXXX/XXXX/2016, I sent in payments totaling {$6300.00} to cover my statements due for XXXX 2016, XXXX 2016, and XXXX 2016. In addition to sending in these advanced payments, I e-mailed the company to ensure they knew that my payments were meant to be put towards future months, and that as a result, I should not be charged interest for the months of XXXX and XXXX because I 've paid for those months in advance. However, for the past three weeks, I 've been calling Freedom Mortgage because they 've applied my payments incorrectly and have charged me an additional {$1700.00} in interest for the months of XXXX and XXXX, which have not even arrived yet. At the time of my payment on XXXX/XXXX/2016, I had n't even reached the XXXX/XXXX/2016 due date for the XXXX payment. When I called in to speak to several supervisors ( XXXX, XXXX, XXXX, XXXX, and XXXX ), they each have told me that even though I 've paid for XXXX and XXXX well in advance of those months accruing, they are charging me interest regardless. There have been exactly XXXX days between my XXXX payment and my XXXX and XXXX payments, which means that I have accrued exactly {$0.00} in interest for those months based on the terms of my loan, however, it is nearly a month since I 've been going back and forth with this company to have this corrected. XXXX even told me that I was not allowed to send in more than 3 months of payments in advance towards my account. I would like to file a formal complaint with the State of New Jersey and all appropriate government agencies related to this problem. Please contact me as soon as possible to help me resolve this problem.


Date_received: 04/26/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Fraud or scam
Company: PayPal Holdings, Inc.
State: LA
ZIP_code: 712XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This company if refusing to refund my money for XXXX charges that i tried to dispute a year ago because the product i received was fake and used. XXXX of the charges are international charges and XXXX is XXXX from new york. XXXX charge is on XXXX XXXX 2015. XXXX is XXXX XXXX 2015. Those are the XXXX international charges and the other XXXX is from flight new York for {$410.00} and some change. They trying to say I 'm pass the XXXX day mark which is n't true when i initially filed the dispute they did n't include all the charges and they disputed it as unauthorized which a supervisor told me is the wrong way and should have just opened a claim up to get my funds back. I would like my funds back immediately to the method of payment for the error they made on their end not mine i did everything by the book. I should be due a refund of a bout {$4000.00} for this because what they are doing is n't right and people still deserve their money back if they do n't get what they paid for.


Date_received: 04/09/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: VA
ZIP_code: 201XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/09/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I had a mortgage with Bank of america. They later transferred the servicing of the loan to XXXX in XXXX. I paid steterus timely and was never late. In XXXX XXXX, I refinanced with quicken in XXXX XXXX. Bank of america is still showing the account as delinquent with XXXX and they are showing the mortgage as an installment loan that is delinquent with XXXX. Both of these are incorrectly and impacting my ability to get premium interest rates. I have written the bureaus on several occasions about this and they have not made the corrections. I understand if they ca n't correct it they must delete the entry.


Date_received: 05/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: MS
ZIP_code: 387XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have certain companies that say I owe money, and I never heard of these people and I lost my wallet 4 years ago. I know someone else is useing my identity ...


Product: instead of the credit card company If Discover wants to exclude gift cards
Subproduct: they need to do it accurately and automatically
Complaint_ID: Yes
Date_received:
This promotion is referenced on Discover 's website : under the XXXX FAQ section of Discover 's website. The relevant details are under the "" Earn Rewards '' section : "" What are the details for the 10 % Cashback Bonus ( R ) promotion? Cashback Bonus Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX/XXXX/15. Excludes gift card purchases. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. See Cashback Bonus Program Terms and Conditions for more information. '' https : //www.discover.com/credit-card XXXX : //www.discover.com/credit-card ... -it-miles.html THE PERVASIVE NATURE OF THE PROBLEM The gift card exclusion was added several days after the promotion was launched ( unfair and deceptive practice ) Discover is now blanket rejecting purchases above a certain amount Discover is requiring customers to retain receipts Discover does not have the requirement to keep receipts in the Terms and Conditions governing the promotion This is a blatant attack on consumer privacy The burden of proof is shifted to the consumer


Subproduct: Discover
Issue: FL
Subissue: 346XX
Company_public_response: Consent provided
Company: Web
State: 04/15/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Section XXXX outlines deceptive. The Bureau 's articulation of "" deceptive '' follows the FTC 's ; beginning with the inclusion not only of acts or practices but also representations and omissions. There is not just an obligation to avoid lying ( which Discover is clearly doing"


Subproduct: Equifax
Issue: CA
Subissue: 922XX
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:
 Legal Item '' XXXX for $ XXXX this was paid and closed. This is the same debt as the XXXX XXXX XXXX account for {$500.00} that now has a {$0.00} balance. Update this to a {$0.00} balance immediately| as can be verified with the XXXX XXXX XXXX / XXXX XXXX Courts.


Subproduct: Capital One
Issue: FL
Subissue: 327XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/23/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I told my husband about the problem. He 's a former XXXX XXXX VP who worked for XXXX. He called Capital One. All he wanted to do is ask what they were doing to fix their problem. They wouldn 'd dicuss anything with him because he was n't on this account. So I 'm worte a letter to Capital One for an answer as to what they 're doing to fix the problem and why does it take so long to get my money back. Is n't that Fraud?


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Enhanced Recovery XXXX
Company: has been provided proof of the debt
State: yet they will not remove the negative credit reporting."
ZIP_code: Company believes it acted appropriately as authorized by contract or law
Submitted_via: ERC
Date_sent_to_company: CA
Company_response: 910XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
In 2014, our family switched cellular services from XXXX XXXX XXXX to XXXX. XXXX offered a financial incentive to do so. We paid our bill in full with XXXX XXXX XXXX, but they initiated collection action. We provided them with proof of payment and they were supposed to stop but, instead, they have farmed the " debt '' out to a collection agency. The collection agency


Date_received: 04/21/2016
Product: Credit card
Issue: Transaction issue
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: TX
ZIP_code: 780XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Wells Fargo stated I submitted XXXX claims to XXXX XXXX XXXX XXXX XXXX. I have previously issued a complaint as I never approved a policy with XXXX XXXX XXXX. They say they have a recording of me but I would like a transcript of this recording because I have proof the recording was fraudulent due to an address change instituted by the XXXX-dispatch in XXXX County. I also would like proof of the XXXX claims they said I initiated under this policy. I will not speak on the phone with Wells Fargo. All transactions must be in writing so I can submit them to the CFPB. Charges were fraudulently made to my Wells Fargo Credit Card but that is a previous complaint. I will pursue the incorrect statements from Wells Fargo that I made claims to the XXXX XXXX XXXX XXXX.


Subproduct: Seterus, Inc.
Issue: AZ
Subissue: 857XX
Company_public_response: Consent provided
Company: Web
State: 03/21/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
WE WILL CONTINUE TO ASK OUR FAMILY FOR HELP AND WE WILL CONTACT THE ADA for HELP IN DEALING WITH THE MORTGAGE / NEW MORTGAGE, ETC, AS MY WIFE 'S SERIOUS ILLNESS & XXXX ARE ONE OF THE MAIN REASONS WE ARE NOW IN FINANCIAL AND MEDICAL HARDSHIP.


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer_narrative: Received a call from XXXX " Caine & Weiner '' Sunday XXXX XXXX
Submitted_via: Caine & Weiner Co. Inc.
Date_sent_to_company: NJ
Company_response: 087XX
Timely_response: Older American
Consumer_disputed: Consent provided
Complaint_ID: Web
Company_public_response:
 XXXX demanding money in relation to XXXX accident I was involved in back in XXXX XXXX. I was fully insured at time of accident. This is the first notice that I received re debt. I immediately contacted XXXX XXXX ( my carrier at time of XXXX accident ). XXXX has made multiple attempts to contact collection co with no success. I mailed a debt validation demand letter to Caine & Weiner

Company:
 I have not received a response. The alleged collection has now been reported to the major credit reporting agency and tarnished my good credit. Never have I received any information regarding this debt nor has my insurance carrier. My credit is tarnished

State:
 collection activities persist and Caine & Weiner will not provide information to me or XXXX insurance for a proper investigation."


Date_received: 04/22/2016
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: CaXXXX There is no such company in XXXX
Company: XXXX. Some man on the phone gives me a claim number and weird ( XXXX ) XXXX from XXXX
Submitted_via: I have given this third-party company my bank debt card info
Complaint_ID: CNG Financial Corporation
Consumer_narrative:
Unsolicited debt collection company called my cell phone by a private number. Did not leave number, only left a message stating that I was to be " legally '' served by original pay day lender for fraud. Then proceeded to call my sister 's cell phone number telling her that I am being sued for bounced checks from Check 'n ' Go. And that I am supposed to sign some papers by XX/XX/XXXX by a processor from XXXX XXXX in XXXX

State:
 XXXX to call. So I am talking to someone by the name of XXXX. He proceed to tell me that I owe Check n Go XXXX plus more interest of 22 % and not the original balance of XXXX. He went on to say that if I do n't pay them that I will have my wages garnish for 1000s of dollars. And that it will appear on my public records. He then sends me an email stating that I must sign for credit card authorization to pull funds to pay down the debt of XXXX to XXXX. So

ZIP_code:
 me not paying attention to my intuition. I foolishly told him my paydays and when I would be picking up my check and signs the papers back into the email. Um

Date_sent_to_company:
 they have n't withdrew any money yet from my account because there is no funds available. I have been trying to work out a payment plan with the original creditor this month so I found this pretty fishy to begin with. Anyway

Company_response:
 I went ahead and called Check n Go and told them the problem. They told me that never sent out any legal action against me

Timely_response:
 but only sent my account to another collection agency which still had my information. They also told contact that agency who has my information."


Date_received: 04/20/2016
Product: Prepaid card
Subproduct: Other special purpose card
Issue: Unauthorized transactions/trans. issues
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16, I used my card at a Chase bank ATM to withdrawal {$500.00} from my card. I received a receipt that says " transaction denied '' and did not receive the {$500.00} I requested. I then went to a XXXX XXXX ATM and was able to withdrawal {$500.00} twice


Product: I faxed this written statement to the number provided. On XXXX/XXXX/16
Issue: just in case
Complaint_ID: Yes
Date_received:
I checked my account balance on XXXX/XXXX/16 and saw that the {$500.00} that I did not receive was deducted from my account. I contacted customer service and submitted an oral dispute claim. I was instructed to fax a written statement within XXXX business days and was given a reference number. On XXXX/XXXX/16

Subproduct:
 I contacted customer service to check on the status of the dispute. I was told they had no information for me and they could not confirm or deny receipt of my faxed statement. I asked to speak to someone else and was told I could not and I had to wait the 10 business days first. I decided to refax my written statement


Date_received: On XXXX/XXXX/16
Product: I contacted customer service again
State: which to date
ZIP_code: I do not."
Date_sent_to_company: JPMorgan Chase & Co.
Company_response: TX
Timely_response: 774XX
Complaint_ID: Consent provided
Subproduct:
 as this was the 10th business day and I did not have a provisional credit in my account. I was told by customer service that my account stated I would receive provisional credit on XXXX/XXXX/16

Issue:
 if they received my faxed written statement. I communicated that I had faxed this written statement twice and confirmed the correct fax number. After being put on hold for several minutes

Subissue:
 I was told they did n't have it and I would not receive provisional credit until they received it. I referenced Regulation E

Consumer_narrative:
 which states that the company is required to provide provisional credit within 10 business days of receiving the oral complaint

Company_public_response:
 regardless of their requirement of written documentation. The customer service representative told me she would forward the information to her supervisor

Company:
 XXXX. I informed her that I would be contacting consumer finance if I did n't have the credit in my account


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Herbert P. Sears Co., Inc.
Issue: AZ
Subissue: 852XX
Consumer_narrative: Older American
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: Consent provided
Date_received:
This affects my interest rates. Do I need an attorney? It can take months to resolve this and I will be paying higher interest until it is solved.


Date_received: 03/28/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company: JPMorgan Chase & Co.
State: TX
ZIP_code: 751XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was informed that the sale date of my home was XXXX XXXX, 2016. I received XXXX letters and a statement to call Chase Bank. I spoke with a representative named XXXX. She informed me that the sale was put on hold on XXXX XXXX, 2016. Also, she told me what forms I needed to send in to complete my loan modification. She told me to call the attorney office XXXX XXXX for assurance that the sale was put on hold. When I called a representative informed me that they did not receive that information and they had a sale date of XXXX XXXX, 2016. I called this morning to see if my faxed documents were received and they informed me that they have not received my fax which i sent on XXXX XXXX, 2016. In addition the representative XXXX informed me that my file is inactive and that they are required to let me know that when it 's 2-3 weeks out from sale date there 's nothing they can do to assist me. He stated that he does n't know where the representative XXXX got her information from. My customer assistance specialist XXXX XXXX has n't been available to talk with me on both occasions. I have been given false and or misleading information, as well as deception. I feel as if my rights have been violated and security of my personal information as well.


Date_received: 06/18/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This relates to case # XXXX. Bank of America escrows the money for homeowners insurance on my property in XXXX, NJ. I filed the first complaint when BoA refused to pay the invoice to renew the policy. They finally did so, several months late. This resulted in a gap in coverage, for which they billed _me_. They deducted {$99.00} from my escrow account on XXXX/XXXX/2016 to pay for ( retroactive ) insurance covering the gap when Bank of America failed to renew the policy. They did this despite sending me two letters that said I would not be charged because BoA was responsible for the insurance payment, and multiple verbal assurances from various BoA representatives that the matter was closed. They have not responded substantively to my voicemails ( for XXXX, a supervisor in the Insurance Department ) or customer service messages requesting a refund. This is a blatant example of a big institution abusing a customer, and refusing to engage to correct the error.


Date_received: 03/31/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Submitted_via: Union Bank
Date_sent_to_company: CA
Company_response: 926XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
I obtained a line of credit from Union Bank to help me fix my house. I am divorced, I been thru a financial roller coaster hence my credit is not good, they will not help me refinance, every time I call them, they tell me I must have perfect credit to refinance into a conventional loan, meanwhile, they are charging me 7 % interest, for a line of credit, all the payments I pay monthly get applied to interest only. Even though I pay on time, they always claim I am short, they are calling me all the time disturbing me etc. but never willing to help me get into a better loan product, they give me a lot of headaches and I am just frustrated with this Bank. They finally told me that " they can basically do anything they want to me because they are not a XXXX owned bank and that they are owned by XXXX Investment company ''. I am in a dead lock and I do n't know what to do. With my credit being bad

Company_public_response:
 no one else will refinance me and this bank has been totally taking advantage of my situation. My house has equity of close to {$300000.00} in it. but this line of credit is in XXXX position. I do not want to sell my house because the income I get from it

Company:
 helps me pay my kid 's expenses. My experience with Union bank has been terrible. my financial situation becomes worse as I keep paying interest every month ( interest only ) with no hopes to be able to refinance anytime soon. I am a single mother of XXXX

State:
 I have a daughter in college and having been stuck in a horrible loan like this makes my entire financial situation worse. Union Bank has told me over and over again that they will not do anything to help me refinance to a conventional product but I want to at least have some principal come off my monthly payments every month. I want Union Bank to help me refinance out of this horrible product and hopefully get a loan with a better future outcome not XXXX that my payments keep going towards interest and the loan amount never changes!"


Date_received: I called back and the same woman answered the phone
Product: I asked her to spell her name and she said in a very sarcastic way "" XXXX
Consumer_narrative: XXXX
State: Company believes complaint represents an opportunity for improvement to better serve consumers
ZIP_code: ZENCO COLLECTION, LLC
Submitted_via: NM
Date_sent_to_company: 875XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/19/2016
Subproduct:
 like XXXX '' and I asked to speak to her supervisor and she said she did n't have a supervisor. I asked "" are you the owner of this company? '' and she said "" hang on '' and put me on hold. Another person came on the phone and asked me to identify myself

Issue:
 I did and asked her to do the same. She said her name was XXXX XXXX. I asked her to provide the name and spelling of her company

Subissue:
 Zenco XXXX. I also asked for the mailing address and she provided this information : XXXX XXXX XXXX

Company_public_response:
 Texas XXXX. She asked me to identify myself again and I did and then I explained to her that i had just spoken to XXXX XXXX who was very rude and threatening and that according for Fair Credit Practices that was not allowed. When I said that she became enraged and stated that they record all calls and she would review the call

Company:
 but if I was n't willing to pay then they could do nothing and would be garnishing my wage and then she said sarcastically "" good luck '' and hung up on me."


Date_received: 02/16/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
ZIP_code: Ballybunion Enterprises, Inc
Submitted_via: SC
Date_sent_to_company: 290XX
Company_response: Servicemember
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/27/2016
Consumer_narrative:
I originally took out a small loan of {$6500.00} from Military Credit Services ( MCS ) in XXXX XXXX. I was making payments through an allotment. In XXXX XXXX, they switched my loan provider from MCS to Freedom Stores without informing me. When I noticed this, I stopped all payments and requested that they send monthly statements to the address I provided them. They refused, and gave me online access to their website. I attempted this and resumed my payments. I logged on two months later and noticed no change in my account balance. I called Freedom Stores and informed them I would stop submitting payments until they mailed me a copy of my contract and send me monthly statements in order to keep track of my loan progress. They refused to send me statements, transferred me multiple times to different operators, and threatened legal action if I did not pay. They constantly call me and attempt to harass me into paying with the same conversation playing out. " Please send me statements and a copy of the contract ''

Company_public_response:
 transferred multiple times and than told no and they have called my XXXX multiple times. I have attempted to work with them and have submitted a few payments in an attempt to gain some ground and receive what I need

Company:
 but I have never received a monthly statement or seen any visible evidence that my loan is decreasing. The last payment I made was on XXXX XXXX. The loan is now over 180 days past due"


Date_received: 05/06/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: National Enterprise Systems, Inc.
State: MD
ZIP_code: 208XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
National Enterprise Services contacts me daily from a variety of numbers to collect a debt from one of the XXXX independent contractors working with an XXXX that I have in MD. This aggressive and inappropriate behavior can not be lawful. They are calling my personal cell phone number.


Date_received: 04/26/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: NJ
ZIP_code: 070XX
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 name is XXXX. I took a FHA loan with XXXX XXXX and the co-signer is XXXX XXXX through Wells Fargo Bank. Around 2009 we had a financial hardship and started a short sale. Every 3 months Wells Fargo asks us to submit paperwork including tax forms, pay stubs and bank statements. Then they do nothing. We have had many buyers and still have a buyer now. The bank is very slow and does n't do anything with the paperwork. They wait until the 3 months is up then tells us it 's expired and asks for us to submit everything again. This has been going on for seven years. Every time we call them to check on the status all we are told is that it is in process. Now we received notice that a sheriff sale is scheduled. We postpone it twice already and will end up having to go to court to fight it. This is extremely frustrating. Wells Fargo is the worst bank I have ever dealt with. I continue to get calls from them trying to collect a debt and when I explain we are in the process of a short sale I am transferred several times and the outcome is always the same. I need help getting them to actually do their job. The sad part of this whole situation is the reason we fell short on the mortgage. I had to shut down my checking account for fraudulent activity. Because my account was frozen I mailed money orders to Wells Fargo for the mortgage payment. Money orders do n't exceed {$500.00}. so I had to send XXXX money orders. A few weeks later Wells Fargo sent the money orders back in the mail and charged a XXXX late fee. I contacted them and was told that a machine opens the letters and because I had more then XXXX money order in a envelope the machine could n't process it and they had to charge a late fee. We were living paycheck to paycheck and were unable to pay the late fee in full. So every month after Wells Fargo charged another late fee onto the mortgage. We could n't afford it. Eventually we stopped paying and started the process of a short sale. Please contact me if you need proof of documents of the short sale process.


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: TX
ZIP_code: 766XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
i was called on XXXX/XXXX/16 on my cell phone i returned the call to XXXX and they stated that i had a medical bill from XX/XX/XXXX, i tried to explain that i havent been to this place and XXXX insisted that i was the patient and they would not provide me with validation of the debt because the 1st collection notice was already sent and i must dispute and request this in writing. they called me again on XXXX/XXXX/16 i tried to explain that i have not received the validation of this account still as i did n't have a debt with them. they said they dont have to send me this and threated credit reporting my call was transfered to XXXX XXXX the manager and he said they wo n't send me anything unless i put it in writing the dispute. I 've tried to explain several times that i was n't the patient and had no idea


Date_received: 04/28/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company: Diversified Consultants, Inc.
State: OH
ZIP_code: 431XX
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 has been going on far too long. XXXX XXXX has been harassing me and hiring different third parties to collect from me. A bill was deleted from my credit report of {$260.00} through a third party they hired XXXX due to it not being mine and i have spoken with over XXXX reps directly through XXXX XXXX and all sources of management. They will try to force an amount on you without hearing anything you have to say and make up illegal type threats and force this account on me. I have told them several times stop contacting me and they still find other parties to call me about this. It is frustrating i have to provide every single third party with the same exact information i gave to get this cleared up the first time.


Date_received: 04/29/2016
Product: Debt collection
Subproduct: Auto
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Santander Consumer USA Holdings Inc
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Please delete this account from my report on all XXXX credit bureaus. This account has been paid since XXXX 2016 and shows inaccurate information reported there after in my credit reporting.


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: FL
ZIP_code: 328XX
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 filed chapterXXXX bankruptcy XX/XX/XXXX and it has been discharged XXXX. However, I 'm having some trouble with one particular mortgage lender ( OCWEN LOAN SERVICING ) .. They are listed on my credit report with a balance. They should not be on my credit report as when I filed bankruptcy, I gave up my primary residence which they claim is where the balance of the mortgage is owed. The loan was the XXXX mortgage for that residence. I surrendered the residence so i do n't know why i still owe them. Also, I have never gotten written correspondence from them stating I owe them moning. Furthermore, have never sign an agreement with OCWEN Loan Servicing. I spoke with them today ( XX/XX/XXXX ) and they told me they purchased the loan in XX/XX/XXXX. My bankruptcy period was between XX/XX/XXXX and XX/XX/XXXX. How can they now say I owe them on the phone today. They tried to settle with me today for {$1000.00} even though the balance they claimed has claimed to over {$60000.00}. What is my best course of action to get them removed from my credit report or at least show my account as being closed and no balance? Thanks in advance for our help.


Date_received: 05/08/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Cohn, Goldberg & Deutsch, LLC
State: MD
ZIP_code: 210XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Attempted to collect wrong amount Debt resulted from identity theft Did not receive notice of right to dispute Not enough information to verify debt i.e. amount of debt & name of creditor Did not disclose communication was an attempt to collect a debt


Date_received: 04/09/2016
Product: Prepaid card
Subproduct: General purpose card
Issue: Adding money
Company: Blackhawk Network Holdings Inc.
State: CA
ZIP_code: 945XX
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 purchased a ReloadIt pack and loaded {$240.00} on it to put on my prepaid debit card. After loading the pack it was said that I had to open a safe on Reloadit.com and add the card that I want to load in the safe. After adding the card and the reload pack to the safe, I attempted numerous times to load my card to get a message that says card is being verified. On the pack it says instant load. I called Reloadit and the representative says it takes 4hrs and its a federal government regulation. I asked for where it says that and she said in the terms and condition, when asked what part she hanged up the phone on me. I called again and was told its in the arbitrtation agreement and it is a federal law for the wait. But again it says instant reload.


Date_received: 02/17/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
Due to an error ( not submitting insurance payment from our escrow ) on the part of the Mortgage Servicer, beginning 2 years previous of notification to me, I was placed on " Force-Placed '' Insurance


Date_received: 04/26/2016
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: Freedom Mortgage
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:
My mortgage servicer, Freedom Mortgage, sent me someone else 's full packet of mortgage info, including a great deal of protected information such as social security numbers.


Date_received: 03/28/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company: Seterus, Inc.
State: OH
ZIP_code: 454XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had an overpayment of property taxes last year. The city refunded over {$600.00} to my mortgage company for the over payment. That money should have been sent to me within 30 days. It has never been refunded. They 've told me several times that it would be and that " a check request has been submitted ''. I started talking to them in regard to this situation in XX/XX/XXXX. They are holding my money illegally."


Subproduct: Law Office of Harris & Zide
Issue: CA
Subissue: 923XX
Company_public_response: Consent provided
Company: Web
State: 04/25/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Debt collector want me pay {$120.00} a month, but i have a very heavy finance difficulty problem. I had asked to debt collector to pay {$50.00} a month.The debt collector refused my negotiate, and The debt collector keep continued law suit eventhough i pay {$50.00} a month. I used paid about {$70.00} a month to credit co.The debt collector rapidly raised up monthly payment.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: TX
Subissue: 761XX
Company_public_response: Consent provided
Company: Web
State: 04/24/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
PS When I first spoke to a representative about this he stated that my rate had changed due to Government rate changes. This is when I knew that I no longer had the fixed rate. I then asked if there were any one receiving a fixed rate and there are. Therefore I requested that my rate be changed back.


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


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


Product: buy a car
Subproduct: rent an apartment
Issue: get a job
Subissue: and various other "" life issues '' I INSIST on a detailed
Consumer_narrative: specific
Complaint_ID: Yes
Date_received:
Since you credit reporting agencies hold so much "" power '' over a person 's life ( their FICO score determines if they can buy a house

Company_public_response:
 verifiable explanation as to WHY my scores dropped from each of you. Since your agencies actually assigns a NUMBER which determines whether a person has "" very poor '' credit ... '' poor '' "" fair '' "" good '' and then "" excellent '' credit

Company:
 there must be a certain "" MATH '' that you use for each point. I demand to know the math - long form


Subproduct: Equifax
Issue: CA
Subissue: 920XX
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Please take responsibility by being "" vigilant '' when an outsider attempts to provide information to assure that it is correct."


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Solidifi US, Inc.
Issue: DC
Subissue: 200XX
Company_public_response: Consent provided
Company: Web
State: 03/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
A detailed review of appraisals done by SFS within XXXX area will show that they are engaging in redlining by providing XXXX American homeowners low appraisals and providing non-minority persons much higher appraisals, Such a practice is unlawful and it is robbing XXXX American homeowners of equity. Each month XXXX Americans are getting loans at the higher values to either purchase or renovate existing homes in my area. Many of these properties would have been appraised by SFS 's contractors, given the size of the company. Yet, in talking with other XXXX American homeowners in the area, I am learning that they have run into the same experience, i.e., the undervaluing of their property through the appraisal process.


Date_received: 04/23/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company: Big Picture Loans, LLC
State: KY
ZIP_code: 402XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Big picture loans did not provide the loan due to an error of the account number for my bank on loan contract. I called them and found out there was an error and told them through both phone calls to their XXXX number and emails ( which they never responded ) i wanted to cancel the loan agreement. They went ahead and somehow deposited {$500.00} into my account. I called customer service 10 times trying to find out how and why they did this after i cancelled. They stated they would debit my account the {$500.00} and cancel contract. This has not happened and when calling them they said they have the wrong account number and i gave them the correct one and they said they had to escalate the issue. I want to make sure they are not trying to force me to a contract or default status with their demand pay verbiage for full fees due. Need help resolving.


Date_received: 03/22/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Application, originator, mortgage broker
State: but only around {$4000.00}. Even at borrowing {$4000.00} over 10 years
Consumer_disputed: you will be fine. Again
Complaint_ID: I believed him and he just wanted to get the loan is all. And finally
Consumer_narrative:
My husband & I bought our first home in XX/XX/XXXX. We realized we needed lots of stuff and got a " stated value loan '' through XXXX. Never heard of it before

Company_public_response:
 but trusted it was something legal. I told them what I thought the house was worth and they gave us a loan for the difference from what we owed to that amount came and it came to {$25000.00}. The interest rate was 15 %

Company:
 but it is a 15 year loan so I figured that is plenty of time to pay it off. We went to the appt. to sign. Everything was fine and we were almost done with the appt. when he says XXXX paper to sign and it was for the balloon payment. I said hold on I do n't want this loan anymore. He said you will be fine as long as you pay a little more than the minimum every month. We have paid more than the minimum every single month for almost 10 years and we still owe {$24000.00}. We have borrowed against it

ZIP_code:
 one would think the loan would have been paid down a lot by now. We ca n't afford to keep throwing money at this loan anymore. The loan was sold to Springleaf. I have tried several times to get help from them

Submitted_via:
 but I have received minimal feedback. I asked to drop the interest rate and they said that was not even an option. I was told I could do a modification

Date_sent_to_company:
 but it would only be for 6 months and "" I probably would n't get approved anyway '' but with no reason why the person said that. So I said ok I guess I will keep paying. That was in XX/XX/XXXX. We ca n't keep paying so I called this year to offer a settlement. The first person I talked to said to offer at least 50 % so I offered {$15000.00}. He said he would call me back with the decision. Never rcvd a call back. Call back ... denied. This person said you have to offer 75 %. I do n't have 75 % so I offered {$17000.00} which was around 68 %. They came with a counter of {$23000.00}. That is just under {$2000.00} of what I owe! I am trying to be a good consumer and give as much as I can. I have paid enough with this loan. I have heard that XXXX was being investigated for predatory lending/illegal lending and that is why they sold all of their loans. I have paid more than the minimum every month except I missed XXXX 's payment as well as XXXX and XXXX 's payments. I just ca n't pay anymore. So the question of "" which part of the mortgage process is your issue related to? ""

Company_response:
 I could n't pick just XXXX. Applying for the loan because I feel that the loan should never have been given to us. I trusted the company that it was a legit loan

Timely_response:
 but then they were investigated for predatory lending and I feel that is what happened. We received XXXX flyers in the mail and calls. We were young and dumb and now see we should have never got a loan with a 15 % interest rate and a "" stated value loan '' which no one else offered. We also fall into the category of signing the agreement. We were all done signing and then he brings out the balloon payment paper and said as long as you pay a little more than the minimum


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: TX
Subissue: 779XX
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: I believed him and he just wanted to get the loan is all. And finally
Date_received:
This account is too old to be listed and I have disputed it several times. I received a letter from Experian that they are not reinvestigating this dispute and considered it a frivolous request. Account # XXXX dated XXXX/XXXX/09 Please contact and help me resolved this issue with credit bureau.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: U.S. Bancorp
Issue: CT
Subissue: 063XX
Company_public_response: Consent provided
Company: Web
State: 04/25/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: I believed him and he just wanted to get the loan is all. And finally
Date_received:
They claim they need to verify the payment has cleared, however, there is a double standard that comes to light. They say they do n't know if the payment has cleared my bank account so they ca n't refund it yet. However, they have no problem showing the payment as credited to my credit card account, presumably before it has cleared my bank account. They ca n't have this both ways. Either it has cleared my bank account or not. If it has, they can credit my credit card account with the payment, if not, they must wait. Therefore, if it is credited to my credit card account, they should be able to issue a refund immediately.


Date_received: 04/27/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
State: I realized that the newly issued debit card was stolen
Complaint_ID: I believed him and he just wanted to get the loan is all. And finally
Consumer_narrative:
Bank of America checking Claim # XXXX, XXXX On XXXX/XXXX/2016 XXXX, I recieved txt message from B of A stating " B of A has temporarily restricted the use of debit card ending in XXXX. Call XXXX to verify '' when I was on my way to work. I got to the office and checked online banking statement. There was approximately XXXX activities about {$1400.00} that I did n't recognized. I called the number and spoke to representative. When the operator asked for information

Company_public_response:
 I did n't answer fearing this could well be the part of fraudulent activity. So I hung up and called again using number in the back of my debit card

Company:
 which is different from the number in the txt. The operator told me that the bank activities seemed fraudulent and told me that I would get my money back. All I had to do is to wait until the transaction would cleared from pending to fully stated in the bank account and to call the claims department to make sure of it. I was told the bank will investigate to catch the thief. Also during the conversation


Date_received: On XXXX/XXXX/2016
Complaint_ID: I believed him and he just wanted to get the loan is all. And finally
Product:
 I called and filed for claim for XXXX out XXXX transactions cleared in bank statement. On XXXX/XXXX/2016


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: 900XX
Company: Consent provided
State: Web
ZIP_code: 04/27/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: I believed him and he just wanted to get the loan is all. And finally
Date_received:
The fraudulent transaction spans over period of days. ( fact : one day ) The file was claimed 6 days after the activity showing lack of urgency. ( fact : I called the same day and even moved money out of that account ) The suspect did n't maximize the transaction ( fact : he tried and denied at later transactions ) The debit card with chip could not be counterfeited and the suspect used the card ( fact : yes

Product:
 therefore I reported stolen ) My statement over XXXX conversation with claims people are not consistent ( fact : I asked what 's not consistent and they did n't answer ) Bank of America refuses to pay back for fraudulant activity. BoA lacks brain to perform proper investigation. BoA does n't protect customer from thieves. BoA waisted so much of my time and energy and inflicted stress and XXXX."


Date_received: 03/26/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company: PNC Bank N.A.
State: OH
ZIP_code: 445XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/26/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
XX/XX/2013 my family home burned down. PNC Mortgage held insurance money totaling the current value of the loan. I informed PNC that I would be rebuilding my home and that I was acting as the general XXXX. I provided the following information to PNC demolition permit, building permit, blue prints, a letter stating my intentions, signed contracts from the XXXX licensed contractors as well as pictures of the house showing completion of the framing and such. I had additional insurance money on top of what PNC was holding. I used this money to get the foundation, framing, windows, rough plumbing as well as the rough mechanicals done. After I exhausted my insurance money I then completed the paperwork for PNC and requested money to keep the build moving foreword. Toward the end of the build PNC contacted me and told me that if I was XXXX % done with the house they wanted to send me the remaining balance in the account and close it. She stated that the invoices i sent up for reimbursement yesterday totaling {$24000.00} dollars was not going to be sent out to me until the inspector came out. I stated that I did not send any invoices up yesterday, I sent them up last month and already received the check. She stated " that damm department ''. she asked me to set a date for the inspector and we agreed to two weeks from that call. When the inspector came out he asked me if this was ( address ) and I said yes. He shook his head and seamed confused. I asked him what was wrong he said I dont know how to do the inspection. I asked why and he replied PNC sent him out here with a XXXX line item repair list and he showed it to me and it was the insurance adjusters repair list from the old house and he did not know how to do it because that house no longer exist. He called his boss and his boss told him he had to do it. I called the bank and PNC said that is how they do it. I replied how can you inspect something that does not exist. The old house is gone and the new one is totally different. He did the best he could and turned the inspection in. PNC notified me that because I was not XXXX % done with the house and that they sent XXXX % of the funds based on the insurance adjusters cost for repairs to the old house they would not be sending me any more money. eventually I would get it a little at a time. However this caused difficulties financially for my family. It caused use to live in temporary housing longer. It caused me to get back to work 6 months latter than planed and we were trying to live and build a house on my wifes pay. The project slowed down and it is still not complete. We are able to live in it. I have several questions was PNC allowed to use the repair list and the repair cost for the old house when it no longer existed and why then did PNC also use the condition of the new house as part of their reasoning for withholding money. It seams to me they should have inspected the new house as a new house. Pnc was well aware that the burned house was torn down and a new one was built. My complaint is that PNC used the repair list for the old house as well as the new house conditions to keep the insurance money as long as they could. key points 1. Why was the PNC representative upset about the other department sending me the {$24000.00}. 2. how could PNC ( or any one ) inspect a house that does not exist. 3. why did they use the repair cost for the old house in determining the XXXX % of the funds they already sent out. when the new house is valued at {$320.00} 4. PNC inspected the house that did not exist then how could PNC use the condition of the new house as part of the inspection. witch is it the old or the new."


Date_received: 04/21/2016
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 complaint is the result of an isolated error
Company: BorrowersFirst, Inc.
State: AZ
ZIP_code: 850XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The company called me at this morning which is outside of the allowed time frame, I explained to XXXX that I reside in AZ and it is not MST but we are currently on PST. She stated she was calling to resolve the debt and asked when was the best time to call. I advised her to call within the allowed government time frame to discuss the matter and that I was currently unemployed.


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: Citibank
State: FL
ZIP_code: 335XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am on Social Security and have requested Brand Source ( Citi ) to make my due date the XXXX of the month instead of the XXXX to accommodate my ability to pay when receiving my benefits. They have refused on XXXX different occasions. They are doing this to make me pay the late charge of {$23.00} every month.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: Paramount Capital Group, Inc.
State: MO
ZIP_code: 657XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: No
Consumer_narrative:
this was a old loan which was taking off my credit score two months ago, Paramount Capital as of this past Friday XX/XX/XXXX done a hard hit credit pull on my credit which is against the law, I did n't give permission and had no knowledge of this till I checked my credit.Paramount stated they would do what ever it took to get it back on XXXX which is also against the Federal law.once it 's removed from credit scoring it CANT be put back on, so Paramount done this to damage my credit.I want this removed completely or I will seek legal actions. for I have NOT applied for credit with this company since XX/XX/XXXX.Paramount has over stepped on a old debt.


Date_received: 04/01/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CA
ZIP_code: 960XX
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 am getting 3-4 phone calls per day in the last 2 months from Bloomingdales credit agency for our account we continualy explain over and over again that I am out of work no money coming in anymore, until then we will send a payment in the next month hoping I return to work. But they now continue to 3-4 times per day we answer the phone and nobody responds on the other end. I had warned them that 's harassment but they did not respond to my concern about there calls to us. thank you for your help in this matter XXXX


Date_received: 04/29/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: Santander Consumer USA Holdings Inc
State: TX
ZIP_code: 775XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Hi. I received a phone call from my finance company on XXXX/XXXX/16 in regards to my vehicle. I immediately advised the rep that I had previously asked Santander to place me on their do not call list he replied " obviously not since we 're calling ''. This representative continued on with the call without ever apologizing for calling although I stated I had requested not to be called by this company. I would hope that this is not the techniques taught by Santander when training new hires. This company has violated my rights as a consumer by continuously harassing me after I made a direct request not to be called. The agent who handled this call did so in a very poor manner. Not only was he rude but the tone of voice he used said he was owed something personally instead of the company he called on behalf of. It is very frustrating when a person becomes unable to pay for something they need and I do not believe anyone should have the right to call and make a consumer feel even worse about the fact that they ca n't take care of their debt at that time. I would like to see this matter dealt with accordingly because I take harassment very serious and this company should as well."


Subproduct: Guaranteed Rate
Issue: GA
Subissue: 314XX
Company_public_response: Consent provided
Company: Web
State: 04/28/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I do n't know if the XXXX issues are related, but I request that this Mortgage company be investigated for these issues.


Subproduct: Amex
Issue: DC
Subissue: 200XX
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:
Third, they have not proposed solutions to genuine issues, merely citing procedure. The fraud team said it would call to verify my identity. It either did not make this call, or made it at an inappropriate time when I could not answer. However, they made no effort to contact me via any other means. They have since asked me to travel to a notary to get my information notarized. As I am travelling, I do not have time to make this trip within the time limit they have stipulated. I was simply told that the card would then be cancelled. When I raised a concern that the promotion I signed up for might have expired by the time I resolved these issues, I was told there would be no compensation.


Date_received: 04/17/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: where the money sat with no interest earned or
Company: more importantly
ZIP_code: Company believes complaint is the result of an isolated error
Submitted_via: Ditech Financial LLC
Date_sent_to_company: WA
Company_response: 992XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
I paid anywhere from $ XXXX a month above my actual payment amount to Ditech. Per my loan agreement and their web site, the extra money should be applied against the principal. Instead, Ditech applied the funds to an " unappropriated '' funds account

State:
 applied to the principal owed. This is clearly a breech of contract on Ditech 's part. They refuse to answer four written inquiries for explanation and/or resolution."


Date_received: 05/02/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Company: XXXX XXXX MO."
State: Company believes it acted appropriately as authorized by contract or law
ZIP_code: MOHELA
Submitted_via: IL
Date_sent_to_company: 620XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/02/2016
Consumer_narrative:
MOHELA - Cash Loan : I am a cosigner. My daughter made a payment at 22 days past the due date on XXXX/XXXX/2016 via phone. I received a call at XXXX Central time today from MOHELA attempting to collect this debt. They did acknowledge that the payment was made on XXXX XXXX and that they could " see the payment in their system ''. However

Company_public_response:
 they could not "" verify '' that the payment was made which resulted in the phone call. I asked that they log my concerns regarding this call as a complaint. Loan was for my Daughters education at XXXX XXXX University 


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Hillcrest Davidson & Assoc
State: CA
ZIP_code: 925XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
HAVE AN OLD DEBT WITH XXXX.HAVE BEEN MAKING MOTHLY PAYMENTS OF {$100.00} TO XXXX.GETTING NO ACKNOWLEDMENT OF PAYMENT.NOW I GET A COLLECTION STATEMENT FROM XXXX WANTING PAYMENT FOR MUCH MORE THAN I OWE.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: World Acceptance Corporation
State: NC
ZIP_code: 283XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Peoples Finance XXXX SC has repeatedly called my home phone XXXX. My husband passed XX/XX/2016. XXXX. The collectors called me everyday sometimes XXXX times a day. I had to remove the phone from the room. The phone needed to be charged but I could not get it charged because of their calls starting at XXXX til XXXX. These people were named XXXX, XXXX and XXXX. They did follow me around town and stalked me in stores when my family was out and about. I knew it was them because the SC license plates. They called until my husband passed and had no sympathy when they called and I told them he passed. XXXX XXXX is working on some credit issues I have and I have already inform them as well. I wish they were more sympathetic because I owe them XXXX dollars.


Date_received: 04/21/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: M&T Bank Corporation
State: MD
ZIP_code: 207XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/21/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
A charge of {$170.00} to XXXX XXXX on XXXX XXXX, XXXX appeared on my XXXX XXXX, XXXX thru XXXX XXXX, XXXX statement. I contacted the bank upon receipt XXXX XXXX, XXXX. I spoke to XXXX and she told me she would open a case file ( case # XXXX ) She said she would send me forms to fill out and mail back. In the meantime I contacted XXXX and was told that they could not provide me with any information regarding the account the money was posted to. They did verify that it was not credited to my account. I called the bank again XXXX XXXX, XXXX and was told that paperwork was mailed to me the previous week. I did not receive anything from them until I received a letter on Saturday, XXXX XXXX, XXXX that was dated XXXX XXXX, XXXX. This letter stated that there was nothing in my account to indicate that the transaction was unauthorized and that if I disputed this I should fill out the Written statement of unauthorized debit '' form and mail it back to them. I filled out this form, signed it on XXXX XXXX and mailed it back in the envelope provided. I never received a response from this and upon receiving my next statement I called them on XXXX XXXX to inquire about what happened. The person I spoke to that said she would research it and I could call back later that day to find out what happened. A few days later I received a message on my voicemail from the XXXX M & T bank about something else. At the time I thought she was calling me about my claim. She only wanted to know if I wanted to open other accounts ( the nerve of them after treating me so badly ). When I realized that it was not about my claim I contacted the bank again on XXXX XXXX, XXXX and was told that a letter had been sent to me dated XXXX XXXX. As of XXXX XXXX I had not received that letter. At that time I was told that I needed to write a letter to the dispute department to reopen the investigation. The next day I went to the XXXX XXXX and asked them to pull up my account. They pulled up a letter dated XXXX XXXX that I never received. This letter said that they had done a thorough review of my account and nothing in the record indicated that the transaction was unauthorized or processed improperly. At that time I asked to bank rep. to fax my request to reopen fraud investigation. I don ; : t think that the bank has been honest with me regarding this investigation from day one. Every time I called them they told me that they had sent me something and I never received it. They have my correct address so I don ; : t know why I never got letters they said were sent to me. This is a XXXX account and I never pay my bills from this account. I only use this account to purchase special items for myself and my grand children. I have spoken to friends and family about this situation. They told me that when this happened to them they were told to close out the account. M & T never told me that I should close out the account to avoid additional fraud. {$170.00} may not be a lot of money to some people but when you are retired and on a fixed income it is a lot of money.


Date_received: 04/01/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Lippman & Reed, PLLC
State: CA
ZIP_code: 951XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I am unaware of any possible reason why someone who attempt to collect $ XXXX+ dollars from me from a different state.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: NJ
Subissue: 087XX
Company_public_response: Consent provided
Company: Web
State: 04/15/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
When BoA called me ( probably a welcome call ) I told them about the error and asked them to reverse the balance transfer. Over the course of 50 minutes 1. One representative failed to authenticate another rep who was transferring me between departments and did not know how to authenticate me without my card 2. I was given detailed instructions for reversing the error myself - had to point out that this was an XXXX error and the bank needs to correct 3. Was told to come into a bank branch - again, this was a funds transfer done in error after my application was declined, told the rep that the bank has to correct After 50 minutes and the balance transfer department disconnecting me I gave up.


Date_received: 04/07/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX is listed on each of my reports as a collection/chargeoff. I immediately disputed thisinformation with XXXX, XXXX and TransUnion and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX did not respond to demand letter FCRA 623 ( b ) for violations of the FCRA and did not remove the adverse account from my report."


Date_received: 05/04/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Problem with fraud alerts
Complaint_ID: Yes
Consumer_narrative:
RE : Equifax Temporary Freeze Lift Service tool free # XXXX ; automated not user friendly and telephone prompts malfunction. I was not prompted to provided my XXXX digit PIN Number by telephone and online Equifax service. On Tuesday, XXXX XXXX, 2016 I made five separate attempts to access the Temporary Freeze Lift from XXXX XXXX, 2016 to XXXX XXXX, 2016 to no avail. This morning XXXX XXXX, 2016 around XXXX, I telephone Equifax at XXXX and spoke with a live Customer Representative named XXXX . XXXX was instrumental in assisting me with the following : 1. Free Annual 2016 Credit Report ; 2. Educated me on the how long certain information remains on my credit history and provided me with a tool free number to speak with a customer representative that could temporary lift my credit freeze. XXXX was most professional, informative and very polite. The toll free number I telephone was XXXX, I spoke with customer representative " XXXX '' I repeated the above request mentioned and was told that she could assist me but I would have to pay a {$3.00} fee because I was speaking with a live rep. I explained to XXXX that Equifax system is programmed NOT to allow me to temporary lift a freeze online as well as thru Its automated system. XXXX told me she would assist me and asked for my credit card information. Due to nature of which I need the temporary lift

Company_public_response:
 I gave XXXX this information. XXXX processed my credit card and charged me {$3.00} then told me that due to the fact that she 's located in the XXXX XXXX

Company:
 it would take approximately 2 weeks before my request would be processed. I asked XXXX if I could speak with an American XXXX in the city and state of XXXX


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: U.S. Collections West, Inc.
State: AZ
ZIP_code: 851XX
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 leased with XXXX on XXXX/XXXX/XXXX through XXXX/XXXX/XXXX and provided them a 60 day notice to vacate due to inhabitable conditions. The XXXX XXXX forwarded a balance to US Collections West ( an Agency ) and US Collections West did not forward any letters or make an attempt to contact me regarding this debt. I was not given my opportunity to dispute nor was I aware of any balance owed. I noticed on the court documents that they had an address that I am not familiar with or have ever lived nor do I know of anyone living there. My mail was forwarded from my old residence to my new and I provided the management company with the new residence. I have also made multiple attempts to contact their attorney through my attorney and they have terminated the calls, very unprofessional! Many of the charges are not valid therefor a portion would have been disputed. I noticed that US Collections West has many violations regarding this issue and many others and their tactics are illegal and immoral. Please help me, I am stressed and sick to my stomach regarding their tactics and business practices. I am employed at the same place since my rental application and not hard to find at all by anyone. They have also placed this information on my credit report without giving me the opportunity to dispute the original creditor balance which violates my rights as a consumer to fair treatment. Please help resolve this issue. Their attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX and US Collections West is XXXX XXXX XXXX XXXX, Az XXXX XXXX


Date_received: 03/23/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Fraud or scam
Company: Blackhawk Network Holdings Inc.
State: FL
ZIP_code: 337XX
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:
A vehicle was advertised on XXXX, supposedly by a XXXX XXXX XXXX, XXXX. The purchase was to be made following receipt of an " XXXX '' invoice and deposit of cash into a REloadit Safe account. The vehicle would then be shipped by the "" XXXX XXXX '' at XXXX XXXX MD. There was supposedly a seven day trial period upon arrival of the vehicle. Communications between the potential buyer and the impostor were by internet text and email. Research indicated a cyber crime scan."


Date_received: 03/08/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: Specialized Loan Servicing LLC
State: ID
ZIP_code: 836XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
My complaint is against Specialized Loan Servicing ( SLS ). We were switched over to SLS a few months ago and it has already been a nightmare. We never received any statements from SLS until we were mailed foreclosure papers. My husband called up SLS and at first they were not even sure they had us in their system. What?! He was finally able to figure out the amount owed and we mailed it out thinking it was just a fluke. We, again, have not received any statements so, again, my husband had to call to see what was going on. We were told SLS does not send out statements unless we send them a request in writing. We are pretty sure that we are being overcharged as well but we have no itemized statements for reference. We are not sure what game SLS is playing but we feel this company seems to be setting clients up for foreclosure. SLS is the most unprofessional financial company we have ever dealt with in the 16 years that we have been home owners.


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Medical Business Bureau
State: MI
ZIP_code: 480XX
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:
I had an invoice from XXXX XXXX XXXX and it was referred to Medical Business Bureau for non payment. Debt owed was XXXX. On XXXX XXXX, I called and paid this and was promised it would be removed from all XXXX credit reporting agencies. As of today, all XXXX show a balance, however it shows closed on XXXX. Medical Business Bureau has failed and I expect complete removal of this from my credit report. Please see attached paid proof along with my current credit report as of this morning showing the debt open/not closed/.


Date_received: 06/22/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: NC
ZIP_code: 275XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mortgage has been totally messed up since XX/XX/XXXX. There are two payments missing from XX/XX/XXXX. Told me I would be approved for modification but they foreclosed me 6 months later after telling me I was denied one week before foreclosure. Forced to file chapter XXXX to save home. Could n't afford payment so bankruptcy was dismissed. XX/XX/XXXX Wells Fargo contacted me saying I was now apvd for modification and in a panic I signed because it would save my home and remove my exhusband. After finding out my ex was not removed from original note I read the final papers that added in XXXX plus in fees with a balance {$10000.00} more than when I purchased home in XX/XX/XXXX. Now I face another hardship and durning mediation the rep for Wells Fargo wanted permission to go ahead with forclosure even though I had an app with XXXX. He stated I was going to end up having to file chapter XXXX anyway which was very unprofessional, sarcastic, and very untrue. I was given more time but this shows me Wells Fargo is not trying to help borrows they are trying to force everyone into chapter XXXX so they can add fees that should not or has not been needed. I received a letter stating I was charged almost {$4000.00} on XX/XX/XXXX for forclosure attorney fees. We did not go to mediation until XXXX and I was given 60 days at this time. After all the lawsuits ; this lender is still performing illegal lending practices and breeching privacy due to providing my ex with the history of payment when he is NOT on the deed of trust or mortgage loan, just the note.


Date_received: 04/25/2016
Product: Credit card
Issue: Advertising and marketing
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 908XX
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 applied for and was approved for XXXX Southwest credit cards. Before I used the cards I called to verify that I would be getting the XXXX bonus on each card. The customer service rep that I spoke with assured me that I would. I used each card to meet the min spending on each card. I only received the bonus on XXXX card. I called back and they said that I 'm only allowed XXXX bonus per card. They said if I applied for the Southwest Plus card I can get my other bonus. I 've tried to apply for the Southwest XXXX card but have been denied. I feel I am missing XXXX bonus points.


Date_received: 03/31/2016
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: 114XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was paying on a modification agreement of which was supposed to be Wells Fargo bank.After paying {$6300.00} I was informed an email from XXXX that the modification is a scam. I notified Wells Fargo through certified mail of the scam but did not get a reply. Hope services notified me that there is a class action lawsuit against the fraudlent company. I was convinced that the company is legit because they have information about me that could only come from Wells Fargo. I was made to understand that the person that called me was a former Wells Fargo employee. Wells Fargo put my house for sale on XX/XX/2016 at the XXXX XXXX courthose on XXXX XXXX XXXX NY.


Date_received: 05/04/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Problems when you are unable to pay
Company: AmeriCash Holding LLC
State: IL
ZIP_code: 604XX
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 got a loan with americash loans in XXXX XXXX illinois for {$1000.00} it was slow at work and I was unable to pay on time so they began to garnish my wages I sent in a written request to cancel the wage assignment. An employee at the store called my employer and proceeded to tell them that I had not made any payments on my account and that I could not by law cancel the wage assignment which is what my employer said to me. They then proceeded to deduct {$1200.00} from my wages until I finally went and filed a chapter XXXX bankruptcy. The bankruptcy was dismissed and now I find out that this company is suing me for {$1600.00} not only is this ridiculous but I later found out that it is not illegal to stop a wage assignment so this company just forcefully took the {$1200.00} they got from me already.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Transworld Systems Inc.
State: FL
ZIP_code: 328XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Transworld System Started to garnish my income tax for a debt i do not and could not owe. i ask repeatedly for proof such as signed receipt or invoice with my signature or info for said debt. with no reply, still they continue to garnish mine and my wife 's income tax refund.The debt is no report to the Credit Bureaus due to lack of documents to validated their claim, and was removed from all XXXX Bureaus as a result.


Date_received: 04/06/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: JPMorgan Chase & Co.
State: TX
ZIP_code: 774XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Applied for a credit card. The card I received was used for fraud in less than 24hrs. I was informed by chase that a previous card was sent and was used for fraud without my knowledge and that this card was my replacement only to find out in the same conversation that the actual card I had received would be cancelled and that a new card would be sent but the previous representative told me the wrong information and my current card was good. I closed the account immediately. I had the card less than a week! Now I 'm concerned if it was done at Chase or if someone has access to my personal information.


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


Date_received: 05/03/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: First Investors Financial Services Group, Inc.
State: NM
ZIP_code: 870XX
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:
To whom it may concern : My name is XXXX XXXX XXXX I 'm a XXXX American Veteran/XXXX XXXX XXXX XXXX XXXX Soldier. I 'm having a major problem with my car loan financial, lender. Since returning home, I 've been going through numerous surgeries ; here at the VA hospital in XXXX, NM. First Investors is the name of my lender, coming out of surgeries I was 26 days past due on my account. I had the company withdrew {$800.00} from my XXXX XXXX XXXX checking account on XXXX/XXXX/2016. The remaining balance of {$490.00} was to be paid on XXXX/XXXX/2016. My phone conversation to them before XXXX/XXXX/2016, was that I would be calling in with a different bank account number ; because my military bank account I would have the money on the XXXX/XXXX/2016. Well, with the pain and suffering that I 'm going through I was n't able to call in that day. The very next day, I tried the internet and trying to place in the numbers of my account ; and it kept kicking me out and stated. That my account numbers does n't match. I even put in my social security number, and it would still showed no account exist on that social. I even send them an email about the problem. I got an email showing the same numbers I 've been trying to pay on my account. I tried to get a hold of First Investors, every time I tried calling I was place on holding. I was able to reach, them yesterday evening MDT zone. According to the manager in collection that I owed a balance of {$490.00}. I said yes, and I 've been trying to pay. The collection manager told me, since I paid from my checking account of {$800.00}. That they assumed they would get the {$490.00} from my XXXX account to clear up my balance. I told the manager, I did not authorize them to take additional money from this account. I tried so hard for them to understand, not withdrew any money. The manager kept saying if no money is in XXXX account, they 're going to make it bad for me. I tried to transfer the money, from my military account and I was told I have to wait 2-3 business days. I told First Investors I did not authorized no {$490.00} to be taken out. I 'm getting another check on XXXX/XXXX/2016, where all my payments will be caught up. How many days past due on my account, 2 weeks. I gave this country 22 years of my life, to protect domestic and foreign against all enemies. Where can I retrive some patience of I 'm not 30 days past due, or I do not want any NSF charge on my new account at XXXX XXXX XXXX here in XXXX XXXX, NM. I know they need there money, yet when I spoke to the lender at the beginning of the loan ; I mentioned to them, I 'm a XXXX American Veteran, there maybe times when I 'm going miss ; but no 30 days past due if all possible. I received an answer, with all due respect XXXX XXXX ; they would work with me. I 'm saddened that this was n't the case, at this time. They pressure to retrive my business, yet they 're not willing to work with me. I will be calling them again for the day, I called earlier and the XXXX told me ; all there computers are down. It 's now XXXX XXXX MDT. My phone number is XXXX XXXX XXXX XXXX, my email address is XXXXXXXXXXXX. XXXX XXXX XXXX XXXX phone number is XXXX


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016 I received a letter postmarked XXXX XXXX, 2016 and apparently pre-dated XXXX XXXX, 2016 from Blitt and Gaines , P.C . This letter was on a mix of old addresses and my current address. Blitt and Gaines claimed to have been retained by XXXX XXXX XXXX, yet XXXX would have had an accurate address for any debt allegedly owed. Blitt and Gaines ' letter states clearly " attorney at law ''


Subproduct: XXXX XXXX
Issue: 2016. I have a copy of their letter
Subissue: my letter to them
Complaint_ID: Yes
Date_received:
I have forded Blitt and Gaines plenty of time to validate this debt as well as provided a letter challenging the validity of this debt and their patently false claims of being retained by XXXX XXXX XXXX. I have received NO such validation

Product:
 nor proof that they are retained by XXXX XXXX XXXX as requested and given their bad address as of today


Product: on several counts
Subproduct: their letter and refusal to validate are now actionable as well as harassment."
Subissue: Blitt and Gaines, P.C.
Consumer_narrative: MO
Company_public_response: 658XX
Company: Servicemember
State: Consent provided
ZIP_code: Web
Submitted_via: 05/09/2016
Date_sent_to_company: Closed
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Date_received:
Since this is now a clear violation of the Fair Debt Collection Practices act as well as Missouri statute


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: ProCollect, Inc
State: LA
ZIP_code: 704XX
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 never received any notice that money was owed to my apartment complex to begin with OR the collection agency they sent the debt to. Until several months later when I checked my credit score online and it showed I owed money. When I called the agency they said they did not say why money was owed and the apartment complex could n't help me either. I 'm not just going to pay that amount of money for something I 'm not even sure what it 's for.


Date_received: 05/25/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: CA
ZIP_code: 913XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Why do you ( WELLS FARGO ) keep making it so hard to pay my mortgage? You imposed fees if I pay by phone. You wo n't let me link my WELLS FARGO checking or savings account to this account. You changed the account prefix and did n't tell anyone. Then you claimed no prefix was needed. Each time I go to a branch to pay my mortgage, your employees have a very difficult time finding the mortgage account even if I bring the statement in. SOMETIMES THEY CAN NOT EVEN FIND THIS MORTGAGE ACCOUNT. THIS IS AN ABSURD WAY OF DOING BUSINESS! AND WHY DO YOU REFUSE TO REPLY?


Date_received: 04/21/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: NCB Management Services, Inc.
State: VA
ZIP_code: 236XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This company continues to call my place of employment. They have been asked to stop numerous times. I work in a XXXX.


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently pulled my credit report from TransUnion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with TransUnion and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report."


Subproduct: Blitt and Gaines, P.C.
Issue: IL
Subissue: 600XX
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have previously filed a complaint here. I previously have filed a complaint with the state of Illinois Attorneys Review and Disciplinary Commission.. Blitt and Gaines has been unable to substantiate anything they are alleging and should be prosecuted to the fullest extent of the powers of the government including false statements and seizing unauthorized property, putting nothing in writing to seize the property, and providing no receipts.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: U.S. Bancorp
Issue: KY
Subissue: 404XX
Company_public_response: Consent provided
Company: Web
State: 05/02/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
After review of my credit report on XXXX XXXX, I met with and provided XXXX ( the XXXX XXXX XXXX Branch Manager ) with my current credit report and letters from XXXX XXXX. XXXX contacted XXXX XXXX and called promising resolution. As of today, XXXX XXXX, XXXX at XXXX XXXX, US Bank has failed to contact me on status of resolution. It is obvious that US Bank does not give a whiff about resolving issues they caused their customers. It is obvious by US Banks actions and lack of actions that they do not care if the mistakes they cause end up costing their customers money in the long term. Unfortunately, it is obvious that US Bank does not feel they are accountable to the law, customer or to the Consumer Financial Protection Bureau.


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: Aargon Agency, Inc.
State: CO
ZIP_code: 809XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I use to have a XXXX XXXX XXXX bills since XX/XX/XXXX to XX/XX/XXXX, and I had problems paying the XXXX dollar bill owed to XXXX. Since XX/XX/XXXX to current I have used XXXX assistance to pay the remainder balance under a different account holder with me associated with the account, and all the payments from XXXX, XXXX, and my own money since XX/XX/XXXX all the way till XX/XX/XXXX the bills was paid. My home is a protected address with my son, and I had to put a temporary injunction with XXXX XXXX Colorado, and that is XXXX County with XXXX district courts to maintain my residence without losing my electricity, but the one account where I was alone that I paid for faithfully for 7 years since XX/XX/XXXX to XX/XX/XXXX, that XXXX dollar debt was absolved or should have. I wrote complaint letters to XXXX, and they send the bill to other collection agencies where this debt is not mine.


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
ZIP_code: 804XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This company has been sending communication for the past couple of years. I made an attempt to pay the debt without knowing if I owed it. After speaking to various representatives and receiving different amounts I requested validation of debt. I never received validation of debt then ; so I then requested the debt be removed and all communication to cease. I also filed a complaint with the XXXX because I continued to received bills and phone calls. I sent a letter to the company to cease and desist. I recently checked my credit again and Wakefield continues to report a debt. I have recorded phone calls and copies of letters sent to the company. I 'm sure the XXXX also has transcript of what the company stated.


Date_received: 04/28/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Darnel Quick Recovery, Inc.
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:
I have made many attempts to contact XXXX XXXX with regards to a debt that they are reporting in collections on my credit file. I have sent many letters asking them to provide me with proof of this debt and to date they have not done so. I have sent them a letter as recent as XXXX XXXX, 2015 via certified mail. I have also disputed this account with XXXX who report this account as verified. I am leary of this since I ca n't get a response back from Darnel Quick Recovery. I need your assistance in getting this matter resolved. Otherwise, I will have to sue for damages.


Date_received: 05/09/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: MN
ZIP_code: 553XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
just a quick note I 'm not talking about them the creditors I 'm talking about you! Send me the information that I asked you for Months ago. seems like you do not have it. the way you been dragging your feet! Please send the documents to me..


Date_received: 05/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The creditor has been making false negative reports for almost 12 years ... I have not done any business with that specific company since 2006, which is well past the 7 years for negative porting to be allowed. I have submitted several disputes via the Internet, mail, & phone with TransUnion to remove this item from my credit report as it creating a tremendously negative impact on my TransUnion report.


Date_received: 03/29/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Application, originator, mortgage broker
Company: Credit Technologies, Inc.
State: MT
ZIP_code: 599XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I am a card carrying XXXX and wanted to see if I prequalify for a special home loan offered under HUD. So I spoke with an agent via email. I did not give my consent or a written or electronic signature to approve a hard credit inquiry. My credit score dropped XXXX points after not XXXX but XXXX pulls in less than 24 hours. And I did n't get an answer weather I prequalified or not. I call this company Monday morning and they kept hanging up on me. I need help.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: NJ
Subissue: 078XX
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:
the title company and wells fargo should be held accountable for not finding the liens I now have to pay on top of mortgage an additional XXXX per month for these mistakes and am now falling behind in my mortgage again after taking 6 yeats years to get a modification


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently pulled my credit report from Transunion and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Transunion and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With XXXX continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report."


Date_received: 05/04/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: MA
ZIP_code: 020XX
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:
After the statute of limitations ran on an old XXXX store account, Equifax started reporting a duplicate account thus showing I defaulted on XXXX, not just XXXX. I disputed it with Equifax. They concluded their investigation by saying credit granter verified the information ( but not on which account ) and to call Credit Granter for more information. I called XXXX at the number Equifax provided and they told me that the account had been sold and that their not reporting the duplicate account to Equifax.


Date_received: 04/27/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Complaint_ID: Yes
Consumer_narrative:
Even though I have been a XXXX since XXXX, my student loans started coming due a few months ago because of a promptly fixed error at XXXX ( where I am currently enrolled as a XXXX ) that briefly reported me as XXXX for Fall. I fixed the problem and ACS sent me letters reporting that they received my status and that my loans were on deferment. However, apparently this only applied to my federal loans ( ACS I think only just represents both my federal and private loans ) and this was NOT mentioned in the letter, which suggested all of my loans were deferred. I only found out recently that my private loans are still considered delinquent and I have received an array of misdirection and delays from ACS regarding this issue, even though I call them and XXXX XXXX ( whom I believe holds my loan ) on a weekly basis now. A statement I received today says that unless I pay all of my " delinquent '' payments by Thursday they might refer me to collections and potentially demand the full amount of my loan -- approximately XXXX ( it 's a "" Right to Cure '' notice

Company_public_response:
 whatever that means ). The text of these notes is always buried beneath tons of confusing information


Date_received: In general
Subproduct: where almost all of my loan debt came from
Issue: at one point issued me a flat
Complaint_ID: Yes
Product:
 I feel like somewhere I received some bad student loan advice and possibly made some errors along the way. XXXX University in XXXX

Subissue:
 massive check for double my student loan amount then asked me to return half of that amount a month later ( thank god I 'm responsible -- I had no idea this amount was an error because I did not need loans during my XXXX career and XXXX costs of living are so ridiculously expensive ). XXXX also persistently printed my name as XXXX XXXX when contacting me about student loan issues and printed all of my checks with my name reversed ( or as XXXX

Consumer_narrative:
 XXXX ) even though I faxed my loan companies corrections several times. I am even a tad bit skeptical that I required private loans in the first place

Company_public_response:
 though I was told that I had hit my cap on federal loans for my XXXX program -- which might have been true. I have XXXX federal loans ( currently at XXXX and XXXX ) and a private loan at XXXX. I know that XXXX had some terrifying student loan scandals in their financial aid office shortly after my time there

Company:
 but I do n't believe the companies I used were implicated directly. The culture in general did seem to push me towards private loan companies

State:
 however. The XXXX University Financial Aid Office was horrifically inept and even though I regularly tried to contact them

ZIP_code:
 I never received any helpful advice or support. In general and partially as a result of XXXX 's bad service

Submitted_via:
 I chose XXXX XXXX because of their quick and easy customer service ( loans are confusing ). Once XXXX XXXX shifted to ACS


Subproduct: and the XXXX University conversations were usually in person
Issue: over the phone
Consumer_narrative: just financial statements with letters hidden inside. That said
Complaint_ID: Yes
Date_received:
I am not completely sure I have documentation of everything -- ACS spams me with confusing mail regularly

Product:
 at one time including in the same envelope a buried note saying I was in deferment and another buried note saying I was overdue

Subissue:
 or via my now deleted XXXX University email address. Information from ACS is hard to sort anyway since it is always buried in fine print and their letters are never formatted as letters


Date_received: 04/09/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: because of escrow
Company: or uh
Submitted_via: but I was at the sale and had it stopped! They SO LIE about all. another try
Company_response: which by the way
Complaint_ID: but all of a sudden
Consumer_narrative:
Chase Mortgage has ruined my life. Just look how they reported ... XXXX LIE! If I 'd have been that delinquent, do n't you think they 'd have foreclosed? I have paid their cheating inflated unsubstantiated monthly note for 16 years since 2001. They SAID THEY THOUGHT WE WERE XXXX YEARS OLD, SO THEY 'D MISCALCULATED OUR PAYMENT! They ARE International criminals -assessed.what XXXX, or XXXX and supposed to compensate mortgage holders. Not me - they ALWAYS say I 'm behind " ... uh

State:
 because of shortage in last payment compounded blah blah liars liars thieves. I WILL get a forensic accountant to find where they 've done

ZIP_code:
 besides two times they collected {$12000.00} cash on XXXX or they 'd foreclose!!! and then sold my house anyway

Date_sent_to_company:
 their lawyers had to have certified teller check for {$12000.00} on XX/XX/XXXX "" or else ''. They Systematically deny my application for HARP or mortgage interest lowering '' the underwriters rejected your app '' they MAKE sure something goes wrong so that i ca n't qualify ... like the credit report. now i see the damage they 're continuing to do. I 've PAID for that house

Timely_response:
 was an original XXXX in 2001 of {$150000.00}. This report is a refinance from 7.5 down to 5.5. THEN they said we were XXXX!!! The amount then financed was NOT {$150.00}

Consumer_disputed:
 ooo. it was {$120.00}. Maybe someone can now investigate their ruination of me. THEY called my creditors - I always made my payments


Date_received: 04/30/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company disputes the facts presented in the complaint
Company: FirstSource Advantage, LLC
State: CA
ZIP_code: 925XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Medical bills from XXXX that 's not mine. I 've had XXXX insurance since 2011 so I would n't have a reason to go to this hospital


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_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: GA
ZIP_code: 303XX
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 & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX The collection agency is aggressively attempting to collect a debt that does not exist for the amount of {$200.00}. I have submitted documentation that show that amount was paid in full on XXXX XXXX 2015 to XXXX XXXX XXXX XXXX .The collection agency continues to contacts me weekly, for the said amount and has recently reported the non existing debt to the credit reporting agencies. They have made no attempt to fix their mis communication and have become increasingly aggressive in their tactics


Subproduct: so we did not expect any problems. 2 days after I made that deposit
Consumer_narrative: she acted like she might be able to wrap up our case that day
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: U.S. Bancorp
Submitted_via: MO
Date_sent_to_company: 652XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/25/2016
Date_received:
We finally decided to get the capability after a customer expressed interest in using a credit card and we began to price competitors. Our company applied for the service and was approved. We had no issues with processing our first payment until after it went through. After the payment went through and hit our account, we received a phone call from XXXX of the XXXX Fraud Dept. She was rude and unprofessional. She began asking questions about our business without introduction, so when I began to question her, she then said something that stuck with me.. She said " anyone can make up a business ''. It was a slap in the face moment when my years of XXXX flashed before my eyes and I recalled walking across the stage in XXXX to get my degree and I did not hear one single hand clap because no one from my XXXX XXXX family had made the trip to XXXX to celebrate my accomplishment. I felt disrespected and I felt insulted. I sent XXXX requested information and then we went on with our business. We did not get any customers requesting payment by credit card again for 4 months. In that time

Product:
 we had received increased credit with the bank by virtue of an increase in our ability to submit mobile deposits and we were also able to improve our business. We had recently completed updating our website. We 'd negotiated a great postage rate with the head of the XXXX XXXX XXXX XXXX XXXX and we were very proud of our accomplishments as a business and as a team. Last week we received a customer payment by credit card. I had to dust off my list of instructions on processing the payment and call customer service. They gave me an update on how to accomplish this and remain in pci compliance and I got the card entered. I was notified that the payment was approved and I simply moved on. We 'd never experienced a problem with USBANK regarding our business account deposits

Issue:
 we were packing up our travel bags to head to XXXX to drop off our prepared mailing that was dated XXXX/XXXX/XXXX. It was at that time on XXXX/XXXX/XXXX that we discovered that USBank did not reflect any deposit for the credit card. Upon calling the credit card merchant service I walked through the instructions on how to submit the payment and I automatically assumed I had done something wrong. It was toward the end of our friendly call that the agent

Subissue:
 advised me that the XXXX from Fraud needed to talk to me and that was the reason we did not see our funds. I was so upset. That woman 's name triggered the memories of her negative prosecutorial tone and manner and I remembered her insults about anyone being able to open a business. I spoke with her and she was still rude and yet she was grasping for straws and delaying. So

Company_public_response:
 which is what she did back in XX/XX/XXXX or XX/XX/XXXX when we first spoke with her ... so we hung up and Saturday arrived and we saw no payment. Monday arrived and still no payment. Monday the President called the customer support and he was told our funds would be in the acct by XXXX or no later than the next morning as everything had checked out. He then called again and then again.. When he called the 3rd time

Company:
 it was because he 'd called our customer who we had not seen in almost a week and he 'd announced he was from the fraud investigation dept and he ruined our sale..temporarily anyway."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: TX
Subissue: 752XX
Company_public_response: Consent provided
Company: Web
State: 04/06/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX I XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Utilities & Fuel XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Automotive


Date_received: 04/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: FL
ZIP_code: 330XX
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 issued a line of Credit for $ XXXX {$680.00} on XXXX/XXXX/XXXX and was closed back on XXXX XXXX and again listed and closed under my XXXX Chapter XXXX Bankruptcy.


Date_received: 04/30/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: IL
ZIP_code: 601XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We have an equity home line of credit with Citibank and it was modified a few years ago. First when we did the modification, I was told to pay a certain amount each month and we paid the amount we were told to pay, I later found out even thou we paid what they told us to they reported us as paying late on our credit reports. When I called to complain they said because we did not pay the original payments they had to mark us as late. This has really effected our credit score. Now they claim the modification is over and they have almost doubled our monthly payment, it went from about {$800.00} to almost {$1500.00} per month. We are trying to refinance to just be rid of this account. But meanwhile we have to make these payments. For some reason the loan is split up into XXXX account numbers. so first I must have sent a payment in XX/XX/XXXX and only referenced XXXX acct number so they said we did n't pay the other loan. I called to complain and they did move the funds. Now I received another late fee for XX/XX/XXXX and when I called they said they did not receive a payment for XXXX of the accounts. The payment is was due on XX/XX/XXXX. I sent XXXX payment on XXXX XXXX and they said it was applied to the XX/XX/XXXX payment as principle when I explained that it should have gone towards the XX/XX/XXXX payment they said there was nothing they can do. I asked to speak to a supervisor and was told there were no supervisors working and that I had to call back during the week. I am very upset that these banks can just do whatever they want with these accounts. I want the late fees all reversed.


Date_received: 04/27/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Making/receiving payments, sending money
Complaint_ID: No
Consumer_narrative:
While PayPal states : " PayPal Purchase Protection covers all your eligible transactions. So if your order is a no-show or does n't match the description

Company_public_response:
 we 'll help you get a full refund. '' My item was a no-show and also did n't match the description of when it would arrive


Subproduct: but am first waiting for a proper resolution."
Subissue: PayPal Holdings, Inc.
Consumer_narrative: IN
Company_public_response: 461XX
State: Consent provided
ZIP_code: Web
Submitted_via: 04/27/2016
Date_sent_to_company: Closed with non-monetary relief
Company_response: Yes
Timely_response: No
Complaint_ID: No
Date_received:
I filed XXXX separate transactions with PayPal over a month ago. I have spoken on the phone with PayPal Customer Support XXXX separate times about the disputed transaction

Product:
 and am not getting anywhere with it. The seller has also quit responding to all of my emails. I am about to close my PayPal account


Date_received: 04/25/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: MI
ZIP_code: 494XX
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:
Home equity loan with Wells Fargo was paid for agreed amount and 2015 XXXX was issued. Wells Fargo continue to report full amount of Home Equity as outstanding and did not report the settlement and payment on this old debt.


Date_received: 03/25/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: via email. When I tried to resend them information showing it was paid with receipts
ZIP_code: will not file disputes correctly
Date_sent_to_company: example the balance will say zero
Timely_response: I have supporting documentation that these accounts are paid
Consumer_disputed: I have had some credit issues
Complaint_ID: but I have paid them
Consumer_narrative:
I obtained my credit reports from all XXXX agencies. I started to dispute information that was incorrect. I even uploaded bank statements and letters from the court house showing these items were paid or released. When I disputed the information, Experian in particular, would respond to me in less than XXXX hours stating " the information has been verified and please contact the company '' I find it hard to believe this company investigated with a company when the dispute was issued at XXXX at night and then I heard back from them at XXXX in the morning

Company:
 their system refused to let me up load or resubmit and investigation. I called them and placed on hold

State:
 and hung up on 3 times. Experian even reissued negative information on my credit report when I showed them the information had been paid. Experian is the company that is refusing to work with me

Submitted_via:
 and when they do have to correct information they present it in a way that leaves a creditor wondering if it is paid

Company_response:
 but they will report it as a collection and open and for the balance they will put N/A versus paid/closed collection. I do not know what else to do


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: TX
Subissue: 782XX
Company_public_response: Consent provided
Company: Web
State: 03/25/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I received XXXX from XXXX XXXX XXXX. XXXX/XXXX/XXXX sent dispute to Experian regarding invalidated debt reappearing on my credit, duplicated account and cancelled debt being reported. As of today I have not received a response and credit report pulled XXXX/XXXX/XXXX still shows duplicate account along with debt balance for which I paid federal taxes on.


Date_received: 04/14/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
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: Southwest Credit Systems, L.P.
State: OH
ZIP_code: 436XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
Debt collection agency SW CREDIT SYSTEMS, XXXX, TX placed negative information in my credit report that dropped my score XXXX points ( from XXXX to XXXX ). They did not leave a voicemail about the {$130.00} debt due to XXXX XXXX after a summer job last year in XXXX, WI. I had paid my bill by check so an address was available. They said they called, but never left a phone message. The name on the bill was incorrectly listed as XXXX XXXX, but somehow they were able to find my correct social security number and attach the debt collection to my credit report. This is UNETHICAL and should be unlawful. I paid the debt immediately upon notification it was due. I have stellar credit and I want it back. Now! The report indicates it will remain on my report until XXXX 2022. I have always had very favorable interest rates due to credit score. It seems incredulous a {$130.00} debt could negatively influence my ability to borrow for the next eight years. I would like the information removed so my score returns to a typical XXXX. Thank you.


Date_received: 05/02/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: AL
ZIP_code: 362XX
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 no clue the questions asked may have been to long ago to remember or something none of the questions pertained to me as current contact me please XXXX


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Stellar Recovery Inc.
State: WA
ZIP_code: 986XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Had a credit check and found out there are XXXX accounts that should not be on there.XXXX are from XXXX, 1 they have no record of, 2 is for a address i have never lived at and the 3rd is from a doctors office that should have sent it to my insurance company but didnt.What is the fastest way i can get these taken off, XXXX said it will take XXXX45 days, even after comcast got ahold of them.Does it really take that long?


Date_received: 05/04/2016
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: ProCollect, Inc
State: TX
ZIP_code: 751XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
ProCollect took on an alleged debt from XXXX XXXX XXXX XXXX for a {$41.00} charge to me that was never even sent to me by XXXX XXXX XXXX, and ProCollect posted this alleged debt against my credit without ever trying to collect it from me beforehand. In order to get my credit score back to normal, I even paid ProCollect this {$41.00} over a month ago and they still have it lodged against my credit score. I 've called them twice, given them the check info ( they cashed it on XX/XX/XXXX ) and they continued to play ignorant about it all. What can I do now?


Product: I have XXXX requests. First
Subproduct: please remove the 60-days delinquent notice from my and my daughter 's credit reports. Secondly
Issue: given these same issues
Complaint_ID: Yes
Date_received:
The report of 60 days delinquent has caused my credit score to drop by more than XXXX points. As I am sure you can imagine, this is frustrating for me. I certainly understand that the debt was past due, however, my daughter and I both communicated regularly with AES and assumed that the information we had been provided was accurate, so everything was going to be " OK. '' Given all of this confusion


Date_received: 05/04/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: MA
ZIP_code: 020XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had XXXX state tax liens in the amount of {$8200.00} and {$5400.00} that were PAID and released by the state of Massachusetts in XXXX 2014. I have requested Equifax update my report to reflect the release status multiple times. XXXX already has, but Equifax continues to report the accurate status.


Date_received: 04/05/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Nationstar Mortgage
State: IN
ZIP_code: 463XX
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 was a XXXX customer, bought by XXXX XXXX XXXX, ballooned into having to file a Chapter XXXX and during my bankruptcy, my loan was then taken over by Nationstar. Finished my Chapter XXXX, now 11 months behind and over {$100000.00} paid in interest alone in two years right under the trustees and attorneys noses, nothing to principle. Now, I 'm supposed to be current, not- and for the first three years they were listed in XXXX spots as a secured creditor, never filing their secured debt. Confront my attorney and nobody seems to know why this was allowed to happen. Now, I come out of bankruptcy, I 'm 11 months behind and my bank ca n't help me because I have to be current twelve months, to even refinance with them. The amount they valued my home when they took over was XXXX. This is lunacy that they can still continue to do this right under the judicial system 's noses and my interest is still 8.75 % fluctuating. So, basically, I 'm in a foreclosure status after paying all that money. Not to mention I was paying my own insurance and so were they, while I proved it, they made no effort to correct the issue. Nationstar sent a XXXX page payment schedule so while the courts were paying # XXXX to XXXX XXXX XXXX, the actual secured mortgage # XXXX was accruing more late charges and the payments sent to them were allocated to the mortgage then deducted from Nationstar and sent to XXXX XXXX XXXX. Therefore, the original mortgage was being neglected and actually using the court system to get more and more money. The Final cure document was not for my current mortgage it was for # XXXX not # XXXX.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: MO
Subissue: 651XX
Consumer_narrative: Older American
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:
I called and was given conflicting information. Asked to speak with supervisor and was told he was busy, but would call me back. I am still waiting for call. Received three bills from 2014 XXXX XXXX the XX/XX/XXXX. All were different amounts and said service would be cut off XXXX XXXX. Service was cut off last Saturday of XXXX. I have never received a phoned call or paper bill from XXXX. A collection for {$170.00} is now appearing on my credit report and I firmly dispute this claim. My credit score has been damaged going from over XXXX to XXXX, I am trying to refinance my home and it is hurting my ability to refinance. I feel like I am being extorted by XXXX and XXXX.


Date_received: 04/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Select Portfolio Servicing, Inc
State: IL
ZIP_code: 604XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I asked for a loan Modification which was finalized XX/XX/XXXX. My mortgage prior to modification was {$140000.00} plus {$60000.00} added to the back of the mortgage. This {$6000.00} was for taxes and insurance that XXXX XXXX had erroneously paid on my behalf. When the error was realized thy wanted to increase my mortgage from $ 906 monthly to $ XXXX+ then was told it was {$1800.00} +. I stopped paying as I could not afford this sharp increase. Servicing of my loan was transferred to Select Portfolio. A modificaton was done with a 2 % interest decrease. My home was appraised for {$45000.00} in XX/XX/XXXX and {$71000.00} XX/XX/XXXX. My mortgage now stands at {$210000.00}. Taxes and insurance are now included and payments mostly covers interest with less than {$100.00} going towards principal. At this rate I will never own this house. I need some relief like Principal reduction.


Date_received: 06/18/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: NY
ZIP_code: 112XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX of 2016 both my XXXX and Bank of America checking accounts was charged for by the XXXX XXXX XXXX XXXX Office for a legal judgement that I owed. Since XXXX accounts were debited at the same time I was overcharged for the debt. I called the XXXX XXXX XXXX Office to complain that more money was taken than what was owed. The XXXX Office told me that they had to wait for XXXX checks to be mailed to the XXXX XXXX Office and then I would be issued a refund for the over-payment. When I called to check on the status the XXXX Office informed me that Bank of America had not sent in the check they collected. I when I spoke to Bank of America they claimed the check had been sent in XXXX so I called the XXXX Office again and they told me that Bank of America only has 15 days by law to send in the check to their office and they had still not received it. I have called Bank of America several times since XXXX and each time I call I 'm told that they will cancel the check and reissue another check but it will take three months. However each time I have called no action has been taken and the representatives argues with me and gives me the sames scripted response that the XXXX Office needs to take action. The XXXX Office has been very clear about the laws and what Bank of America is supposed to do. Furthermore Bank of America is actually the company that the judgement was for so obvious that are fully aware that the judgement has been overpaid. Bank of America owes me {$1400.00} which they have kept in limbo since XXXX and we are now headed into XXXX. Please have Bank of America release my money or I will have to file a lawsuit.


Date_received: 05/02/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: OH
ZIP_code: 458XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Experian has locked me out of the online dispute system and refuses my access to a paid credit report.


Date_received: 05/01/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NY
ZIP_code: 103XX
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 an account on my credit report that is reporting incorrect information XXXX incorrect payment information


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company: which was n't ordered until weeks after the file was at Supreme Lending. When challenged
State: he then said that 's the way Supreme Lending does it. That 's odd
Timely_response: Supreme Lending
Consumer_disputed: CA
Complaint_ID: 949XX
Consumer_narrative:
XXXX XXXX ( DBA Supreme Lending ) NMLS ID # XXXX is the lender and XXXX XXXX of XXXX XXXX is their loan officer. Have gotten false and conflicting information consistently from XXXX and his office and have tried contacting both the regional manager ( XXXX XXXX ) and the branch overseer in Texas ( XXXX XXXX ) and received no response whatsoever. Disclosures came in wildly different than what XXXX represented on the phone and then he promised orally to send new ones that were correct and took weeks and much cajoling to do it even and they were STiLL wrong. Months of delays and then tells us that the files still have n't gone to underwriting because " they fell through the cracks

Company_public_response:
 '' then he says later that it was "" customary procedure '' for them not to get the file approved until AFTER an appraisal

ZIP_code:
 since they are charging the borrower for the appraisal even before they know if they can do the loan. Furthermore they did n't even ORDER the appraisal for a month while they had the entire file in their possession. Furthermore

Submitted_via:
 XXXX prior lending partner ordered an appraisal for XXXX of the properties and it was completed and never paid for ( the company went out of business )

Date_sent_to_company:
 so the appraiser is going after US for the payment because he refuses to do the right thing and pay them and get a correct appraisal at the same time. Now they are using a demonstrably WRONG appraisal as the new basis for doing the loan at a much reduced value. We have detailed the inaccuracies and they have taken a week to respond and then basically said they were n't going to do anything about it."


Date_received: 03/25/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: and then subsequently emailed them a copy of the canceled check. On XXXX XXXX
Company: XXXX they company assured me by email that they had removed the late fees
State: and had corrected my credit file. In XXXX
Complaint_ID: Yes
Consumer_narrative:
The mortgage company sent me a letter Dated XXXX XXXX, XXXX regarding a " late '' payment. I contacted them

ZIP_code:
 I was checking my account and noticed that they had not yet removed the late fees. I called them and asked them to please take care of that


Date_received: My credit file is still showing a late payment with XXXX. I contacted them on XXXX XXXX
Product: to ask then to fix the issue
Issue: however this issue has been much longer."
Consumer_narrative: Kentucky Housing Corporation
Company_public_response: KY
Company: 410XX
State: Servicemember
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 03/25/2016
Company_response: Closed with non-monetary relief
Timely_response: No
Consumer_disputed: No
Complaint_ID: 1849763
Subproduct:
 and their manager simply told me to do a credit dispute. He also told me that credit updating could take XXXX90 days


Date_received: 04/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
After multiple disputes with Trans Union they are still inaccurately reporting a late payment on XXXX on my XXXX XXXX. XXXX has sent XXXX requests for the information to be updated yet Trans Union has not updated the information. I do not have any late payments with my XXXX XXXX.


Date_received: 03/11/2016
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: CA
ZIP_code: 932XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Freedom mortgage took over my loan with XXXX mortgage in XXXX 2015. Ever since this happened I have been short in escrow they failed to take out enough to cover the costs for my property tax. In XXXX 2015 I noticed they did n't pay the first installment for {$620.00} so I went to pay it at the county clerks office in XXXX california. Since then I have been waiting for a refund they promised to return. There customer service is terrible I tried speaking to a manager was on the line for over 40 minutes then call got disconnected. I have receipts and certified copys I sent out still have n't received nothing.


Date_received: 06/21/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Making/receiving payments, sending money
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: MO
ZIP_code: 631XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
U.S. Bank - I was speaking with a bank representative named XXXX that suggested I transfer funds from XXXX bank card to another at a lower interest rate. I did and asked that my payments be due on the first of the month. After everything was transferred over from XXXX cards, I received my first statement and it stated 11 % which was higher than the 5 % he quoted me, also, there were transfer fees. To top it all off, any account I have has a grace period of at least 5 days. If my account was n't paid on the XXXX of the month exactly ( which was never explained to me ) I finally discovered I 'd been charged late fees. I 've always paid my bills between the XXXX of the XXXX of the month. Upon discovery, I was smoothed talked again and then found out my interest rate had gone up to 28 %.


Date_received: 04/08/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Continental Credit Control
State: CA
ZIP_code: 920XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Under lawyers Lein lawyer took case on contingency, I had My exam. After signing the retainer agreement the lawyer did not do due diligence and did not find out the person at faults insurance did n't cover my expenses.


Date_received: 04/27/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Can't contact lender
Subissue: Can't contact lender
Company: Check into Cash, Inc.
State: IN
ZIP_code: 465XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX sent me a email telling me i owed a certain amount of money for a payday loan that is less than what they are saying. When i looked up ace cash services i found out its a scam company trying to recieve money.


Date_received: 03/11/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: court closed
Company: mail stopped for a week XX/XX/XXXX-XX/XX/XXXX! Please help!"
ZIP_code: PNC Bank N.A.
Submitted_via: MD
Date_sent_to_company: 211XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 03/11/2016
Consumer_narrative:
I 've been on the phone for at least 3 hours every day in XX/XX/XXXX & this month, as I do not see foreclosure sale have ceased on my home even though I have a mediation date set for XXXX/XXXX/XXXX. I have called the foreclosure attorneys repeatedly & no one has responded by mail, phone or otherwise since XX/XX/XXXX when they got involved. I requested a loan modification on my mortgage each month since XXXX/XXXX/XXXX when my hardship began. Each month the bank closed my file requesting documents which were already provided & /or which do not exist. A rep. at the bank advised me after foreclosure attorneys were involved I was n't eligible for a modification but still need to request it & if declined I then could work out a payoff quote. No one assisted in this matter whatsoever I was never declined. Every time I called the bank they said I did not provide records & every month I requested a payoff quote. Since I could not reach resolution & payoff amount from the bank or from the foreclosure attorneys I requested mediation. My check was cashed for {$50.00} & mediatio on XXXX/XXXX/XXXX date set. I mailed in documents as instructed by the foreclosure attorneys for mediation. An attorney I was working w/ also mailed in a request for mediation XXXX XXXX, XXXX & no one responded & not one person called us back. Since I have reported to my bank the foreclosure attorneys did not provide a payoff quote. The mortgage company said the foreclosure attorneys must provide a payoff quote & also must be notified of the mediation. The foreclosure attorneys were mailed copies the same & court got the documents but the bank & the foreclosure attorneys have not researched, have not assisted & not found the documents? This is consistent w/ the entire handling of my case-negligence. As a result a sale date established & since I have called the administrative hearings office, have called PNC Bank, have called the foreclosure attorneys & the only parties helping was the person at the administrative hearings office. I was advised unless there was a technicality she was not aware of the foreclosure sale date should have been canceled. However, this was not done! As I prepare my documents for mediation the bank has not reviewed carefully I called PNC on XXXX/XXXX/XXXX & requested why my account was not in mediation & they advised me to call the foreclosure attorneys. I advised my bank as I have done repeatedly since XXXX/XXXX/XXXX the foreclosure attorneys do not answer the phone, do not respond to letters, do not return phone calls. PNC Bank put me on hold & called the foreclosure attorneys on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & said they are requesting information from the administrative hearings. Each time I called PNC I requested my account documented why I was calling which is the foreclosure attorneys do not respond at all. Today XXXX/XXXX/XXXX an attorney assisting me told me there was a Motion to Strike Request for Mediation on XXXX/XXXX/XXXX. I feel it is the responsibility of the bank to advise me as I was calling each day as the XXXX/XXXX/XXXX sale date was coming. This account has already been compromised by several calling in & telling the bank erroneous information resulting in documents being requested of me which do not exist. Each time I call in PNC representatives tell me the previous rep. did not take any notes, did not assist me & did not input any information of the mediation in their systems despite assuring me they did so. I was assured by each PNC representatives " they are doing all they can ''. They did not do anything which resulted in a Chp. XXXX Bankruptcy today to stop this sale. No guarantee at all. I 've been requesting mediation since XXXX/XXXX/XXXX when PNC requested documents not applicable to my situation or me whatsoever. The Motion to Strike filed XXXX/XXXX/XXXX said I did not file timely? We had XXXX inches of snow schools


Date_received: 04/27/2016
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: Bank of America
State: FL
ZIP_code: 346XX
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:
Back when I was younger, I missed a payment or went over my available credit once or twice on my Bank of America credit card. They hiked my interest rate up to XXXXXXXX. I have been paying in full, never going over limit, and keeping my credit card in good standing for the last 3 and a half years and the company refuses to drop my interest rate or increase my limit.


Date_received: 04/25/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Tormey Bewley Corporation
State: NM
ZIP_code: 874XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
I had requested more information regarding the debt they were attempting to collect and was told due to HIIPA they could not release that information. After a couple of different contacts I finally received the information in the mail from one of the collectors. I called the Advantage group to let them know that I was disputing the medical charges due to my daughter having XXXX insurances and XXXX XXXX XXXX XXXX were at fault. I received a letter in the mail from the Advantage Group dated XXXX/XXXX/2016 stating that charges were confirmed and had been paid in full with the total equaling {$0.00}.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: MD
Subissue: 207XX
Company_public_response: Consent provided
Company: Web
State: 04/24/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement.


Date_received: 04/25/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Freedom Mortgage
State: OH
ZIP_code: 445XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We purchased a home in XXXX XXXX and financed with XXXX XXXX. We voluntarily set up an escrow account for our property taxes and insurance. According to our closing disclosure which I have attached, the last page and paragraph of that document indicates that we may be able to cancel our escrow account and if we do, we would have to pay the property taxes and insurance on our own which is what we intend to do. Since we are a new development and one of the first homes sold, our local County has not come out to access what the actual property taxes would be and the projected tax amount is an estimate only. Until then, we do not feel comfortable handing out over XXXX a month to a bank where if it was in our control, we could at least earn some interest on it. Since we live in a new development, the taxes have not been assessed. We are only paying on the land until the county comes out to assess. The next tax payment due is XXXX. Our home owner 's insurance is paid in full for 1 year. Freedom mortgage has over XXXX in unused escrow funds. We were advised by Freedom Mortgage we can opt out of the escrow account since it was voluntary if I sent a request in writing to them and could provide proof that we had enough in savings to make the next property tax payment. I provided that info to them on XXXX/XXXX/XXXX. I called and asked them the status of our funds on XXXX/XXXX/XXXX and I was told I would have an answer on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX and was advised my request was denied due to lack of payment history since we have only had this loan for a short time. This is not in my loan papers. Again, we were advised on XXXX/XXXX/XXXX by Freedom Mortgage, since the escrow account was voluntary and I had funds, we would have our unused monies returned and the escrow account cancelled. I was also told an escrow review would take a week. When I called back a week later, I was told it would take 30 days. I called back on XXXX/XXXX/XXXX and was told to call back in another week. I was then advised on XXXX/XXXX/XXXX that the only way to get out of the escrow was to refinance which is ridiculous as the refinance charges would cost around the XXXX I have in unused escrow monies We want our escrow account stopped and our unused monies returned to us at once. I was promised a call back by a supervisor " XXXX '' and never received one. I asked to speak to the escrow department and was advised that they did not accept outside calls. This is predatory lending and unjust."


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Blitt and Gaines, P.C.
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Blitt and Gaines did not send me a letter of a right to dispute a debt of a XXXX XXXX card. They are lying in response to a complaint filed by me XXXX. Response was in writing by XXXX XXXX of the company. They did not attach a copy of the letter they supposedly sent to me in their response. I never received any correspondence by the firm to myself in regard to a XXXX XXXX account.


Date_received: 04/28/2016
Product: Credit card
Issue: Other
Company_public_response: my husband an authorized user went to a branch
Company: and the branch manager stated we should hear back in XXXX48hours. I called Chase
State: 24 hours later
ZIP_code: and after confirming many answers
Submitted_via: was told to wait XXXX48 hours. Subsequently
Date_sent_to_company: another 48hours later
Company_response: I spoke to a Fraud supervisor
Consumer_disputed: or a method to the means. I applied online
Complaint_ID: I receive a card
Consumer_narrative:
I had applied online and got approved for a Chase XXXX XXXX online. Received the card on XXXX/XXXX/16. For whatever reason, 4 days after receiving the card, Chase chose to suspend the card in the name of " fraudulent application ''. At my request

Timely_response:
 and she mentioned that I would have to wait XXXX10 business days till a case worker was assigned. This process does not seem to have an end


Date_received: 04/23/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Cavalry Investments, LLC
State: CA
ZIP_code: 957XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/24/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
This is a debt of more than 10 yrs old that has been passed off dozens of times as a recent debt collection!! IF XXXX was original company owed to, back in early 2000 n has not been used since about that same time!!! Debt is no longer valid!


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Tower Loan
Issue: LA
Subissue: 708XX
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:
3rd complaint : Someone will call me on Friday if I have not came in by XXXX to see if I still coming. The office is open til XXXX and the also have a drop box. I have explained to them over and over I work until XXXX and I have XXXX children to pick up so I will either get there before the close or put it in the dropbox.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Select Portfolio Servicing, Inc
Issue: CA
Subissue: 908XX
Company_public_response: Consent provided
Company: Web
State: 04/30/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
SPS continued giving me a hard time regarding other documents that were sent in but SPS claimed not received. I have been coping with the loss and as well with my own health issues with XXXX . I was never informed of a denial at all nor was a denial letter sent to me, up until today, I was in active review and only today I was informed the file was denied and they are moving forward with the sale on Monday. How can they dual track and review me and then last minute say Im sorry too bad you are denied, we are foreclosing on you, Please do not allow them to pull these fraudulent antics on hard working Americans, I have paid property taxes and mortgage for years, this is not how Americans should be treated. I am willing to pay my mortgage but they are not playing fair.


Date_received: 04/15/2016
Product: Debt collection
Subproduct: Non-federal student loan
Issue: Communication tactics
Subissue: Frequent or repeated calls
Complaint_ID: Yes
Consumer_narrative:
I have been paying off a multiple student loans to XXXX XXXX, now Navient since 2009. I have done my best to make payments on time. This past year I went through a divorce and I became responsible for all of our debt. I struggled with paying the loan and even reached out to them to discuss my options, they basically told me I had none, but to pay. They call repeatedly every day of the week. I receive upwards of XXXX calls in a day ; before XXXX and well after XXXX. They do the same to my co-signer. I have mentioned their tactics to them and how it has become very bothersome to mine and my co-signers daily lives. The response I received was that " I owe them money and they can call as much as they want to collect it. '' I have both a Federal and Non-Federal student loan with them and as hard as I 've tried


Subproduct: Carrington Mortgage Holdings, LLC.
Issue: FL
Subissue: 330XX
Company_public_response: Consent provided
Company: Web
State: 04/18/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
The Client has reached out to the Loan servicer over a dozen times over the past five months since the Court Order was issued. The Loan Servicer has done nothing but give her the run around and claim that her house was sold in foreclosure and threatened to kick her out of her home despite the Court Order demanding the modification. As her attorney, I filed a Motion to Compel the modification and we are awaiting a hearing on the matter. Meanwhile, the Loan Servicer is now claiming that the Client was defrauded by an unknown company and that her trial payments were made to a fraudulent company and NOT the loan Servicer. They are claiming that even though she complied with all the terms of the modification, the company doing her modification was not real and they stole all her trial payments. The Loan Servicer is basically ( after 14 months ) saying we do n't have to do anything for you because you did not modify through a true company and you were defrauded. The problem is, the client complied over a year ago, paid all the trial payments, filed everything with the court as directed, showed proof of the cashed money orders, and is only now being told that she was the victim of fraud. The Client is an elderly woman that has tried desperately and honestly to do all that was asked of her to make things right. And after all her efforts, she is being told she is a victim of fraud.


Date_received: 05/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CA
ZIP_code: 907XX
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:
To whom it may concern, I had my credit account enrolled in automatic scheduled payments. The account was to be debited every month in the form of an ACH payment of {$100.00} from my financial intuition that I enrolled to pay the credit card bill. Both my financial institution and credit card that I was making payments towards were effected at the same time with fraud. I had XXXX accounts closed and then opened new accounts with each party. Because of this fraud on both accounts my auto pay program was then terminated from both sides. The company I pay my credit card bill to did not notify me of any changes in any manner, email, call, text, letter, etc.of this occurrence and to update my billing information. A few months later I 'm now left with a late payment on my credit card report and that is affecting me when I 'm currently trying to get a loan to buy my family our very first home. I 'm asking this manner be looked into and me be relieved of the XXXX late payments i now have on my account due to this fraudulent activity.


Date_received: 05/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: SC
ZIP_code: 296XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX reported that on XX/XX/XXXX I owe XXXX ; however, when I called them they said it was n't my social security number, nor my address. But they sent me a credit fraud report instead of just removing the item. It was n't credit fraud, it was an error on their part, or XXXX part. I could n't fill out the form they sent since I do n't know who is responsible, or if it was fraud at all beyond their own clerical error. I tried to call XXXX, but they were no help at all, and they said they could n't remove the information.


Date_received: 05/01/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: instead of being able to do the request online
ZIP_code: then the credit bureaus can certainly do the same thing."
Submitted_via: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date_sent_to_company: Experian
Company_response: PA
Timely_response: 190XX
Complaint_ID: Consent provided
Consumer_narrative:
This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with XXXX reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks 5 or 6 questions. That is 15 or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans

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

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


Date_received: 06/17/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Company_public_response: including loan modification
State: or even slightly higher
ZIP_code: we could regain our financial footing. Please help."
Submitted_via: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date_sent_to_company: Specialized Loan Servicing LLC
Company_response: OH
Timely_response: 450XX
Complaint_ID: Consent provided
Consumer_narrative:
HELOC monthly loan payment adjusted from {$130.00} to {$440.00} in XXXX 2016. We were experiencing excessive obligations/household expenses prior to the payment increase which caused delinquency, but the SLS payment increase made the situation even worse. I submitted an assistance package to SLS explaining the situation including supporting documentation. After it appeared the modification request was in process additional documentation was requested and provided ( same day ). Over a two week period I attempted to reach my single point of contact on at least XXXX occasions with the only option being to request a callback. Once I spoke with the contact ( XXXX-5 times ) it was unclear what was still required. It only stated " Hardship Verification '' and my single point of contact had no idea what was needed. She was never able to advise or follow up to let me know what the underwriters were looking for. I called today ( XXXX ) and was able to access another SLS employee ( first time I was ever able to reach a human when calling ). Was on hold for XXXX30 minutes while she tried to confirm. Finally she advised the increased HELOC payment was not sufficient to justify a modification or other form of assistance. I offered to send in billing statements of all my other obligations to show/prove the excessive obligations but the SLS employee advised "" that wo n't work because your already said the increased SLS payment was the hardship & per your loan agreement the payment adjustment itself is not a hardship. '' It is becoming painfully obvious SLS is a predatory lender who has no intention of providing assistance

Company:
 for a distressed consumer. I am going to submit billing statements of my current obligations as a last ditch attempt to beg for a modification. We are currently XXXX60 days past due and approaching foreclosure status ( at 60 days they have typically sent a foreclosure threat letter ). We feel that if the payments were closer to the original amount


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Tenet HealthCare Corporation
Issue: FL
Subissue: 334XX
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:
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX


Date_received: 04/25/2016
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: Select Portfolio Servicing, Inc
State: OR
ZIP_code: 970XX
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:
Was told I could be helped to refinance my property. I was never ever late but facing overwhelming debt and taxes owed by ex spouse and and SPS services left me facing worse situation. They told me to switch my bank loan to them which was perfect credit and then promised to help me.. SPS told me I had to miss a payment so I would go into foreclosure so they could continue to help me..but the reason I even applied for help was to avoid foreclosure!! I was trying to avoid foreclosure as they promised they could lower my payments. I thought it was awful they told me to miss a payment.. Even though I had never been late.. 2years of XXXX with them caused me to lose a rental property I had since 2002 for retirement income as SPS as I am close to XXXX ... I needed the property income. They made the situation worse, my renter moved out and nobody wanted to move into a property that now was possibly going into foreclosure!! and so then to try to save my credit I desperately had to try to sell the property and even when I found a CASH buyer to buy full price they waited 4 months and finally let me sell after pleading with them to please take the offer. They did but only after charging me tbousNds and thousands of dollars to them! I never got ANY help just pure XXXX!!!! The address listed is the property address that was sold. I never got the help they offered only a lost rental for income and had to pay them thousands at the end!


Complaint_ID: Yes
Date_received:
On XXXX XXXX XXXX, I received an email from TSI indicating Proof of Debt was requested from XXXX. This TSI email stated " The garnishment order will remain on hold to afford you time to review all documents provided. '' ( ATTACHED ) On XXXX XXXX XXXX

Product:
 I received the XXXX Proof of Debt. This information was limited to partial account statements but failed to indicate what products were ordered


Date_received: On XXXX XXXX XXXX
Product: I received a notice from the Department of Treasury
Subproduct: Bureau of the Fiscal Service
Company_public_response: Transworld Systems Inc.
Company: MI
State: 493XX
ZIP_code: Servicemember
Submitted_via: Consent provided
Date_sent_to_company: Web
Company_response: 05/02/2016
Timely_response: Closed with explanation
Consumer_disputed: Yes
Complaint_ID: No
Issue:
 that {$2200.00} was withheld from my federal tax refund due to this disputed XXXX debt. This letter indicated the involved agency ( XXXX ) previously sent notice to me indicating the intent to collect the debt to include intercepting federal payments

Subissue:
 including tax refunds. The original certified letter received from AAFES/TSI made no mention of this and only addressed wage garnishment. Federal law under the Treasury Offset Program includes a Due Process prerequisite that requires a 60-day notice is provided to the debtor of the intent to offset as well as the opportunity to dispute the debt. I was n't provided notice of intent to offset. The notice I was provided did n't allow for due process and the 60-day requirement. And the dispute was acknowledged by XXXX and TSI yet the offset still occurred ( ATTACHED )."


Date_received: 05/04/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Can't contact lender
Subissue: Can't contact lender
Company: GVA Holdings, LLC
State: CA
ZIP_code: 940XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Told me my account was settled and paid in full and even sent me text and ca n't seem to get their act together and want this collection activity to stop. Unable to contact XXXX due to leave of absence.


Date_received: 04/12/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: N.A.
Complaint_ID: Yes
Consumer_narrative:
I began receiving the following documents from Bank of America ( BofA ) and XXXX XXXX, XXXX ( Atty ) : 1. XXXX/XXXX/2016 : US Bankruptcy Court Statement In Response To Notice Of Final Cure Payment ( Filed XXXX/XXXX/2016 ) stating Pre-Petition Default Payments that BofA, N.A., " Agrees that Debtor ( s ) has paid in full the amount required to cure the default on Creditor 's claim '' and Post-Petition Default Payments that BofA

Company:
 "" Disagrees that Debtor ( s ) is current with respect to all payments consistent with 1322 ( b ) ( 5 )

State:
 and states that the total amount due to cure post petition arrears is : Total Amount Due : {$8200.00} '' ( Atty ) XXXX. XXXX/XXXX/2016 : NOTICE OF THE RIGHT TO CURE THE DEFAULT AND INTENT TO ACCELERATE ( dtd XXXX 2016 ) stating

ZIP_code:
 "" The home loan is in serious default because the required payments have not been made. Bank of America 


Subproduct: foreclosure activities typically begin after four missed payments
Subissue: "" By letter dated XXXX XXXX
Company: "" Based on a careful review of your loan
ZIP_code: and would not accept my XXXX 2016 payment. From the customer view
Complaint_ID: Yes
Date_received:
XXXX. XXXX/XXXX/2016 : Bank of America Home Loans Borrower Response Package ( dtd XXXX/XXXX/2016 ) stating

Product:
 "" Our records indicate you have not made your last four or more regularly scheduled payments. Subject to applicable law

Issue:
 so it is important that you take action on this issue quickly. Ignoring the situation and continuing to let your payments become past due will put you at risk of losing your home to foreclosure ... '' XXXX. XXXX/XXXX/2016 : NOTICE OF FORECLOSURE SALE ( dtd XXXX/XXXX/2016 ) stating

Consumer_narrative:
 2016 ( the "" Initial Communication Letter '' ) we notified you that the above-referenced loan had been referred to this law firm for handling ... '' ( Atty ) XXXX. XXXX/XXXX/2016 : "" EXCEPT AS MAY BE NOTED HEREIN

Company_public_response:
 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' ( dtd XXXX/XXXX/2016 ) ( Atty ) XXXX. XXXX/XXXX/2016 : Bank of America Home Loans ( dtd XXXX/XXXX/2016 ) stating

State:
 we are offering you an opportunity to enter into a Trial Period for a loan modification ... '' I have in fact made payments for the entire time period that BofA and XXXX XXXX alleges that I have not made in all of the overwhelming notices that I have received thus far. For over three weeks I spoke to numerous Bank of America personnel in various departments ( See communication notes ) who transferred me back and forth between them with no resolution


Date_received: In addition
Product: I responded to all of the notices of allegations ; hand delivered to XXXX XXXX
Issue: XXXX and XXXX
Subissue: XXXX ( XXXX/XXXX/2016 ) ( See attached ) Lastly
Consumer_narrative: this distressing ordeal
Company: appeared to have failed in meeting their legal obligations
Complaint_ID: Yes
Subproduct:
 XXXX ( XXXX/XXXX/2016 ) ; and mailed via US Postal Service certified return receipt to BofA Home Loans in XXXX

Company_public_response:
 dealing with BofA and XXXX XXXX have interfered with my ability to obtain a suitable consumer credit for a car loan. My life is on hold and I have been in "" WAIT MODE '' since I started receiving these defamatory allegations. I have acted in good faith and BofA and XXXX XXXX have failed to conduct due diligence


Date_received: 03/17/2016
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: CA
ZIP_code: 940XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
i received a predatory pick a pay loan from a broker in 2006 and have been fighting for 10 years to keep my home. so my question is can the bank change the posted interest payment on my statement to what ever they want later and continue to charge late fees even though I paid every month? If so how come the chapter XXXX wont fix it? The bank did not post my payments they just sent statements showing the late fees and acruing escrow for property taxes. I feel I have paid the property taxes several times over. in my first chapter XXXX they said I owed $ XXXX them 3 years later I asked for a pay off letter and they said after I made monthly payments of {$2900.00} I owed them $ XXXX can I ask you whom do i speak with about finding out where my money went? I am in a current chapter XXXX my XXXX and I am paying the bank {$3400.00} and the trustee {$2400.00} so I ask you why XXXX if the federal government says I have to meet the XXXX % to get a loan does the federal bankruptcy court allow XXXX % of my income to be made for payments? I borrowed $ XXXX and I have paid over $ XXXX to the bank but I now owe them $ XXXX. It should be illegal to do what they have done to me. I have appraisals months apart that are $ XXXX and $ XXXX difference in value in six months the only change was my job they just change the numbers to make the XXXX meet what they want so they wo n't have to work with me. its not like Im not making my payments but if they had gone with XXXX of the XXXX modifications I submitted with my first chapter XXXX I would only owe $ XXXX at the current time.


Date_received: 05/04/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: PA
ZIP_code: 196XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Told them threw divorce XXXX XXXX XXXX card was my wifes to pay off She left it go into default, for the credit consolidation to take it over for her. I told Equifax this they did nothing on my part .Iv payed over XXXX Worth of credit off last month yet my credit score dropped over XXXX and XXXX more points this week, Yet they keep slamming me with buy there credit monitoring in my emails, MY XXXX scrore is XXXX and Equifax has me at XXXX and keeps spaming me with buy there product .This is bs .I got Divorsed 2 years ago and have been working hard on brining my credit up, They are an unfair company nothing has changed for them to drop it, All I have done is pay pay and pay more debt down to try to improve it.


Date_received: 04/21/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: concise and understandable for any one at any educational level."
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Fidelity National Information Services, Inc. (FNIS)
ZIP_code: TX
Submitted_via: 752XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/09/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I applied for a checking account with XXXX and received a declined notice. CheckSystems sent a response to my inquiry of their investigation of my records however, all I see noted is " no information found '' and numbers and references to their review but nothing is clear as to a cause for a decline of a checking account. I sent a dispute on XXXX but if the original report fron CheckSystems was clearly understandable as to what and why my request with XXXX was declined there would be no need for another request. A clear notation in CheckSystems report would eliminate the need for another letter as that should be a standard practice for any reporting agency. My time is valuable as well and if the report was clear as to the reason for decline I would n't have to resubmit another request for clarification. There should be clear reporting standards instead of having to spend more time understanding what the report from CheckSystems or any credit reporting agency is clear


Date_received: 05/09/2016
Product: Credit card
Issue: APR or interest rate
Company_public_response: who say they are "" working '' on it
State: & repeatedly provided
ZIP_code: by regulation. Thank you."
Date_sent_to_company: Capital One
Company_response: CT
Timely_response: 063XX
Complaint_ID: Consent provided
Consumer_narrative:
Capital One, like most other credit card issuers, offers promotional ( often 0 % ) rates, which expire, of course, often in 12 months. However, other than their initial offer notice, Capital One DOES NOT DISCLOSE the expiration date of the offer on their mailed statements NOR online. I have enclosed my online " chat '' with XXXX representatives

Company:
 but declined to give even a target date to disclose this key piece of information. I find this self-serving ( to earn interest based on the forgetfulness and short term thinking of most of us consumers. The disclosure & reminder should be available


Date_received: 03/28/2016
Product: Debt collection
Subproduct: Non-federal student loan
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Account Management Resources
State: OK
ZIP_code: 740XX
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:
I am filing this complaint do to the fact that AMR is double reporting an alleged debt by falsely changing account numbers to where it appears to be XXXX different debts. These tactics are not allowed in the fair debt collection for alleged debt. Falsification to inflict harm to a consumer will be met with legal action against AMR.


Date_received: 04/23/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company_public_response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company: Shellpoint Partners, LLC
State: MI
ZIP_code: 495XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked Shellpoint to forward my Mortgage note four times to XXXX XXXX and they have lied all four times. They impleading my refinancing to lower interest loan. I have three way calling recorded of their lies. And because of their using this by standing in the way stalling I could lose the refinancing to lower payments. Its not fair.


Date_received: 04/19/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Problems when you are unable to pay
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Security Finance
State: SC
ZIP_code: 293XX
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 called on last week about my account with Security Fiance in XXXX SC I called one week I owed {$140.00}. I made a payment and I called again it stated I owed {$170.00} nobody could explain to me about how the late fees work because that is over XXXX of late fees in the last 3 weeks. I contacted the consumer complaint department for Security Fiance and they contacted the Regional Manager. I had missed calls from him so I called him back on XXXX/XXXX/16. I told him nobody could explain it to me and it sound like late fees was backed dated. He explain to me that some people do not understand how to explain it. Then he started in a firm tone. You are young woman and you are messing up your credit. I told him excuse me sir I understand, but I did not call for you to preach to me about my situation, because you do not know what have taken place with me. I told him I have been out of work for a year, and I have paid a XXXX account to down to XXXX. The Regional Manger stated that he did not like my tone. I told him just because I still own you money in a calm manor does not mean that you can disrespect me or any other customers. I told him I am a adult, and I am not a child. He went on stating that people that are not in business do not understand. I told him I work in business, and I am a educated person that is not slow of understanding if you explain to me. The Regional Manager threaten and stated he will put my account as a hard account. He threaten a deceptive practice because of our conversation. Yes, my account is late but I have been paying on it, and no further action have been made my balance left is a {$170.00}. He threaten me with a deceptive practice which I am not for sure how this can turn out what he may do with my account or have on my credit. I have made multiple payments and requested receipts to be mail due to me working temporary positions their office be close when I get off no receipt of proof showing my payments been entering. How do I know if the amount have not been adjusted without record of balance.


Date_received: 04/25/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Problems when you are unable to pay
Company: BTS Motors, LLC
State: TX
ZIP_code: 765XX
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 got a car out from my mother from XXXX and which in XXXX she was not able too work and pay on the car.. So I called too see what could be done and had told me to return the car and sign a paper and also had said that is was not going to affect my credit cause it was gon na be as a volunteer return all of the payment we 're paid.he said it was gon na be a XXXX balance on my credit so it woundnt affect me.. In which XXXX XXXX I checked my credit and it dropped stating I was 90 day late on payment ...


Date_received: Now
Subproduct: try to make a payment
Issue: any payment
Consumer_narrative: CS to Claims
Complaint_ID: Yes
Product:
 my original payment is about to be 30 day past due and my check still has n't been cashed. So I call customer service. They go into their system to look at every check received since XX/XX/XXXX but do n't find a check of my amount. So they never received my check they help me get setup on the website

Subissue:
 and the site throws an error to call customer service who I 'm already talking to. So they transfer me to a supervisor who says they ca n't process it because it 's past due so I 'm transferred to claims. They are n't able to process it because of an unknown reason so they transfer me back to customer service. By now I 've been transferred so many times that the call quality is terrible so the lady I end up talking to thinks the line is dead and hangs up. I call again. Again


Date_received: 09/24/2015
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: to myself ( and under my breath )
ZIP_code: The Law Offices of Barry J. Gammons, PLLC
Submitted_via: TN
Date_sent_to_company: 370XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 10/05/2015
Consumer_narrative:
I have been making regular payments to the Law office that now owns the debt, after an acceptable payment arrangement was agreed to in court. The last XXXX payments I made to them, I asked for a receipt of payment, along with a written statement of debt, and a remaining balance. After 6 months of attempting to receive that information from them, I sent a certified letter to the company, again asking for the information. The signed and received the letter, but never supplied the information I asked for. Along with the certified letter, I stated that according to my records, the debt should be completed, and I would not be sending any more payments if I did not hear from them with valid proof otherwise. Several months pass, and with no warning what-so-ever, I started getting garnishments from my pay-check at work. I am now STILL attempting to contact them over the phone, and have left numerous voicemail 's with no response. XXXX time, a young lady did answer, but after I said " XXXX ''

Company:
 she said she was terminating the call due to abusive language. I did n't even get an opportunity to discuss anything with her. I should have the right to discuss my "" supposed '' debt with the agency that is now forcefully taking my money!"


Date_received: 03/14/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Company: Encore Capital Group
State: MD
ZIP_code: 214XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX, XXXX, XXXX Debt Buyer Enforcement Action. On XXXX XXXX, XXXX I contacted XXXX as required by this court order, to ask for a refund as consistent with the court order, of payments made by me as a cardholder to the buyers of my debt, citing violation of the Dodd-Frank Act. I have proof of payments made since before and after XX/XX/XXXX. I was not notified by XXXX that it sold my account. I am asking for a refund and a restitution notification letter in accordance with A., B., C., and D. as provided by the CFPB website. The XXXX representative I spoke with on XX/XX/XXXX at XXXX XXXX., told me the account had been sold and that XXXX no longer had any responsibilities to this account. They say they sold it to Midland Funding, who have since sold it to a law firm. No one answers the phones at either of these locations. Can you please help me to get my refund and restitution letter?


Date_received: 03/11/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
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: IL
ZIP_code: 605XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I leased my car about three years ago ; the payment has always been automatically withdrawn from my bank account and routed to the finance company through XXXX XXXX. XX/XX/XXXX, the finance company began making harassing calls to me stating that the payments were not being received anymore. I have been in contact with my bank who has also contacted the finance company and the bank and I agree that the payment has been paid/routed the same way so we did n't understand why the finance company was no longer receiving payment being that it had been paid the same way over about three years. The bank re-confirmed the account and routing number with the finance company where the payment should and has been going to. The finance company continued to harass and threaten me, that they we 're going to repossess my car. I would tell them that my payments have been routed the same way and I knew and have documentary proof that I have never missed a payment. On XXXX XXXX, XXXX, the finance company illegally repossessed my car without my consent ; which was a day after I gave the payment for XX/XX/XXXX. I have documentation that proves I have never missed a payment.


Date_received: 05/03/2016
Product: Credit card
Issue: Delinquent account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Pressler & Pressler, LLP
State: NJ
ZIP_code: 076XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My name is XXXX XXXX. I had a XXXX XXXX XXXX card back in XXXX. I moved and did put in changed of addresses. I never received a bill from the Company. I just received a letter from Pressler and Pressler telling me they will garnish my wages. I told them I can only pay XXXX a month or so. I only make XXXX and hour. I have other bills to pay including a car payment and car insurance payments and high rent. I have a 5 XXXX XXXX XXXX born XXXX XXXX, XXXX and my Fiance got laid off from her job so its hard to make ends meet. Until recently when I received the papers from The Collection agency telling me they will garnish my wages I never heard from them before or the Credit Card company with Invoice to pay the bill. I always put in a Change of Address since all the other companies like XXXX and XXXX XXXX and my Cell phone were able to send me bills. If the garnish my wages and I only make XXXX My infant son will not have formula or diapers. My son needs XXXX. If he loses his Affordable Health I will have to pay out of pocket .I would not be able to pay my gas and electricity or my car payments or Rent. At this time I ca n't even afford health insurance for myself but I do have it for my son from Affordable Health. My Fiance cant even afford Health Insurance as well. I am willing to pay at least {$25.00} a month to Pressler and Pressler till I can get back on my feet and get a better paying job to support my family. I need my payments lowered by this Collection Agency. I can pay {$25.00} or less a month that is all I can afford. I have to provide for my family on XXXX an hour


Date_received: 04/23/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company: Big Picture Loans, LLC
State: LA
ZIP_code: 707XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is in reference to the Company by the name of Big Picture Loans. This company approved me for a loan in the amount of {$800.00}. When I spoke with XXXX of the representatives from the company she stated that it would be a one time payment of XXXX for the finance fee. Then I would be able to pay the additional {$800.00} off in monthly payments. She told me that they would automatically take the money out of my account unless I would call and specify otherwise. Well as it was getting close to the first finance fee payment I made sure all of the money was in the bank for the first {$280.00} to be deducted. Then out of curiosity to see when the next payment would be or the amount they would be asking for to pay off the amount that I borrowed was the {$800.00}. I realized that they did not send the lending disclosure until after the loan had been processed. The documents were not what was not the same as which was verbally contracted. These people had set me up to pay them {$6000.00} on the loan that was {$800.00}. I would have never accepted anything like this so I tried to contact them and XXXX of the agents kept apologizing for the misunderstanding of the conversation of the last representative. But we went over this several times about the finance fee just to be on the safe side. These people misled me and are basically stealing. They have access to my bank information and are trying to ruin my bank account pulling money that is not owed to them at a constant for {$6000.00} for {$800.00}. This is not right I then looked for complaints from other customers and come to find out that they were once called XXXX and that they had switched their names. And other people had the same incident as me. This is how I found out about Consumer Finance because of other people that this happened to. If someone could please help me to rectify this matter I would be greatly appreciated because these people are fraudulently attempting to steal something from me that I do not have or owe. Needless to say they are attempting to ruin my bank account that I have had for several years. Thank you for taking the time to listen.


Date_received: 04/27/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Credit decision / Underwriting
Company_public_response: an updated credit report
Company: more copies of bank statements & another signed borrower 's certification form. The week before
State: I was asked what title company we 'd like to sign at
ZIP_code: since the closing was finally at hand -- but no
Submitted_via: yet more forms were now requested
Date_sent_to_company: instead! My phone service was down for a few days ( repaired yesterday )
Company_response: so I could n't get these documents sent immediately electronically
Timely_response: but since they refused to give more than 2 days to get them to their Oregon office
Complaint_ID: a process even their loan officers claim was unusually
Consumer_narrative:
Responding to an email ad from Bank of America, we applied on XXXX XXXX, XXXX for a refinance for my rental home, owned since we built it 7 years ago. We complied with every request for documents, even having BofA contact our insurance agent and CPA. Dozens of emails, letters & phone calls later, & repeated delays, extensions & promises from them have gone on, usually with requests for more & more documents, not even pertaining to the property, but to our home & the other XXXX rental units we have, all dutifully submitted. BofA is currently the mortgage holder on one of those other homes, so a re-fi from them should have been a simple process ; we have excellent credit ratings and are stable, credit-worthy people, in the long-term rental business for many years, living in the same area our entire lives. Finally, on XXXX XXXX, they asked for an " update '' on the appraisal that was done by their appraiser in XX/XX/XXXX

Consumer_disputed:
 they denied any further extension & canceled the loan application. We have been greatly abused in this process


Date_received: 04/11/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Transworld Systems Inc.
State: FL
ZIP_code: 337XX
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 bill was paid by my insurance two year ago 2014, company try to double dip on invoice paid by my insurance and send bill to collection. I refused to paid any XXXX especially when bill already paid. Need this collection agency to stop harassing me on the phone and by mail. I am on " Do Not Call '' list and there calling me any hours of the days and nights."


Date_received: 04/29/2016
Product: Prepaid card
Subproduct: General purpose card
Issue: Unauthorized transactions/trans. issues
Company: Blackhawk Network Holdings Inc.
State: CA
ZIP_code: 913XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I paid a merchant for an item I never received. The online merchant was XXXX / XXXX aka XXXX. I had to dispute this transaction with the company that handles the XXXX gift card, Blackhawk Networks. I have faxed them twice and called them 3-4 times and they have not yet assisted me. It has been 90 days since their letter and they have not yet resolved my dispute and can not even tell me if they received the documentation that I sent to them. All of this info will be included in the attachment that I am uploading.


Date_received: 03/07/2016
Product: Other financial service
Subproduct: Money order
Issue: Lost or stolen money order
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: PLS GROUP, INC
State: TX
ZIP_code: 751XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I purchased a money order for a total of {$1700.00}, {$1000.00} was a payment received from XXXX XXXX and the {$700.00} was given to the cashier to buy the money order. I have my receipts that the cashier provided me along with my license but I do not have the money order. I do not know if the cashier gave it to me because I do not remember seeing it. I am a banker and a teller supervisor for the early part of my 20 year career and It would have been second nature for me to check the money order for accuracy. I left the store went to XXXX XXXX and went home. I realized after lunch i did not have the money order, I called the store and they stated they gave it to me and they can not place a stop payment on the money order for 30 days. My husband and I went to XXXX XXXX and checked the house again with no luck. We went back to the store to request the cashier to review the paperwork she stapled together and please check the copier. She would not check the paperwork and would only repeatedly tell me she gave it to me. I can not say that she did not but I know I can say I do not remember seeing the bright green money order. I have all receipts from everywhere I went that day and the only missing item is the money order. I requested the manager and she stated when she had time they would review the video. I left my contact information and requested a call once they reviewed that day. I did not hear back so I went back to store and the manager stated she would view the video, after 15 minutes the manager said the cashier slid the Money order to me. I requested a still picture showing the money order and she would not provide nor would she allow me to view the video. I requested a stop payment and she stated that because it is not filled out it would be 90 days before they will do anything. I asked why they would not stop payment and she did not answer, I would have never requested a money order if I would have known it would be treated just like losing cash. I have checked the website and everything in the store and can not find anywhere that it warns customers about the risk a money order is if lost. The only information I have found is the fact that money orders are free unless you want the remitter and payee to be filled out for you- the fee is XXXX which I would have gladly paid a quarter for this to be done for me. I requested them to check to see if it had cashed and she stated it has not. I asked what would happen if someone tried to cash it at one of their locations, she stated it would be cashed. I asked if there is anything they can do to prevent this from happening and she stated she would send and email out. I have my receipts for the transactions so I was trying to find out who pays the money orders ( XXXX-XXXX ) etc..I did not get an answer. I have filed an online report with the police dept. they will only request the video if they conduct a full investigation into a theft of finances, I can not say this is theft until it is cashed. The only way they store stated I can view the video is if I call the police up there. The only way they will come view the video is if there is a theft. I just want a stop on the money order and to find out what the actual time is to do a stop and reissue. I reported this within hours of realizing it was missing and now it is out there waiting for someone to cash it. I would also like to see the video of the document being handed to me by the cashier- I remember the receipt but not the money order.


Date_received: 04/01/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
ZIP_code: Nationstar Mortgage
Submitted_via: MI
Date_sent_to_company: 480XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/01/2016
Consumer_narrative:
Mortgage company mistakenly tagged my account to a " Promotion '' that I did n't initiate nor did I approve. The "" Promotion '' changed the terms of my mortgage contract which inadvertently increased my monthly payment. I 've made several attempts over a 6 month period to get the issue resolved. Unfortunately

Company_public_response:
 the mortgage company has spun me into a bureaucratic circle repeatedly and the issue still is n't resolved. The mortgage companies failure to resolve the issue in a timely manner led to another series of events and issues with the main issue being that Escrow was added

Company:
 home owners insurance was added and taxes were added. These are items that I 've historically took care of myself from separate accounts that are detached from my mortgage for the last 10 years."


Date_received: 05/07/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
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: Stellar Recovery Inc.
State: CA
ZIP_code: 923XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a notice from a credit monitoring service that changes had been made to my credit report. Upon viewing my credit report, I discovered a negative report of an alleged debt. I have never received ANY communication from STELLAR RECOVERY INC that reported this alleged debt. ( Reported Since : XX/XX/2016 ) This debt has NOT been Verified or Validated, Nor did they send me ANY notice of a right to dispute BEFORE reporting it to ALL XXXX major credit reporting bureaus!!!


Date_received: 05/09/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: OR
ZIP_code: 975XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax updated my credit report lowering my score over XXXX points. They state on the front because it is due to a recent serious Derogatory item on my report - I of course disputed this through them as wel as on this site. I have been working on my credit for over 5 years and knew that I never paid late. So rather than fixint the error they sent me my credit report which of course shows NO late payments in over 8 years. So not only did they send PROOF that there were no late payments on my accounts they are reporting that there ARE. SInce this is NOT showing on my credit report from any of my account holders. Thye need to provide the creditor that is reporting me late since it is NOT on my report. The report does me good. There is also a serious issue where half of my monthly payments are showing " no data avail '' however the payments have been made which shows on my XXXX as WELL as my XXXX. That needs to be updated as well. This one incident has caused me SERIOUS financial problems as my credit score reflects my ability to pay rent and maintain the balances on the cards I have. I want to know if I have any legal recourse for this as this clearly a breakdown on their end. I should not have to dispute this report on a monthly or even weekly basis. They have a responsiblillty to maintain correct information."


Date_received: 04/25/2016
Product: Credit card
Issue: Billing disputes
Company: Fifth Third Financial Corporation
State: VA
ZIP_code: 241XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The original charges of {$90.00} and {$41.00} were charged by XXXX for monitoring. In XX/XX/XXXX I had contacted the XXXX in Arizona to complain about a new security alarm system not working and not being able to make contact for technical service. They have not responded to XXXX. Therefore, XX/XX/XXXX I called the dispute dept. at 53 Bank to register a dispute against XXXX 's monitoring charges of {$90.00} and {$41.00}. Fifth Third Bank issued late payment and interest charges of XXXX against my account on XX/XX/XXXX after I had called disputing the charges. Debits of {$90.00} and {$41.00} were issued on XX/XX/XXXX but the late payment fee and interest remained on my account. I called again concerning the late payment and interest and the dispute dept. told me that they will remain on my account until the issue was resolved and I would either have to pay or they would be removed after the dispute was settled which would take up to 90 days. I asked them why they did n't remove the late payment and interest charges also because I am receiving collection calls on something I am disputing. They told me not to be concerned that my account was documented on the disputes. I am still receiving numerous calls from collection agent on paying this late fee and interest. I told them that I was not paying for any charges that were not justified. I continue to get collection calls and another late payment charge on a balance that was a late payment charge for items in dispute. When I called today they were wanting to switch me back and forth to explain their procedures. My complaint is on their procedure of not removing the late and interest charges until the disputed matter is resolved. To me they are gouging their customers. It took them almost a month to remove the charges from my account and then they want to charge me excessively for late payments.


Date_received: 05/02/2016
Product: Credit card
Issue: Transaction issue
ZIP_code: at my bequest. I have called Best Buy several times now
Submitted_via: and am being told that it takes several days for a fax to show up
Consumer_disputed: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint_ID: Citibank
Consumer_narrative:
I erroneously drafted an electronic check ( bill payment ) to my credit card company ( Best Buy ) for XXXX as opposed to XXXX XXXX XXXX/XXXX/16. Absoutely my error. When I caught the error, and tried to stop the check on the bank side I was told it was not possible since the " draw '' had already been initiated from the bank side

Company_public_response:
 and was requested to contact the credit card company. I did so immediately. I was informed by Best Buy that they also were unable to do anything until the payment was actually posted. When it finally did post on XXXX/XXXX/16

Company:
 I called and was told a refund would take 30 days to process unless I could provide a fax from the bank indicating that the check had cleared

State:
 If I could do so I was told that an epedited return could be handled in 4 days. The bank did so on Friday XXXX/XXXX/16

Date_sent_to_company:
 but that they have acknowledged an expedited request for refunding the entire payment. Unfortunately

Company_response:
 now they are reporting that thsi will take 9 days to process. I am simply asking that the amount be returned immediately via ACH

Timely_response:
 in the same way that it was easily processed in a couple of days. I find it egregious that these delays are acceptable in today 's world of immediate electronic transfers."


Date_received: 05/09/2016
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: NJ
ZIP_code: 086XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Hello, I made an agreement with Navient where I would make monthly payments of {$250.00} a month. I was told by Navient that my interest would be reduced to .001 % and no interest would be accrued on the account as long as I make my monthly payments on time. I have made my payments on time since XXXX 2015. I have bank statements and confirmations from Navient as proof. However, Navient is reporting to the Credit Bureaus that my account is delinquent and that I have not made any payments. This is not fair as I have worked very hard to uphold my part of the new payment terms.


Date_received: 03/30/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My Mortgage was bought by Green Tree which Changed their name to Di Tech. Due to A XXXX issue with my daughter I was trying Get my interest rate reduced it is at 7.036 % I was sent a letter and told to not pay XXXX payments to Qualify for XXXX or XXXX program. All Documentation has been sent they keep Stalling. No answers and now they are threatening Forclosure. They are many complaints on /line of The same issues. I sent everything by fax and Certified mail. Still say they have not received All documents. I have proof they have it. Please Help me before I loose my home!


Date_received: 03/12/2016
Product: Credit card
Issue: Bankruptcy
Company: TD Bank US Holding Company
State: GA
ZIP_code: 302XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
In XXXX 2015, I faced a Chapter XXXX bankruptcy after years of financial hardships due to unemployment. My TDRCS/Rooms to Go account was a part of the bankruptcy to be reaffirmed at the principal balance of {$300.00} after removing several late payment fees. The account was paid in full, as agreed, in XXXX 2015. However, after over 6 months of repeated correction requests, TDRCS/XXXX continues to report inaccurate information to the credit bureaus in violation of the Fair Credit Reporting Act. First, they reported the account was included in the Chapter XXXX and not reaffirmed. Now, they report the account as paid but with a negative payment history from XXXX 2015 to XXXX 2015. The account was no longer past due after the XXXX 2015 bankruptcy filing, was reaffirmed, and paid in full as agreed.


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Stellar Recovery Inc.
State: PA
ZIP_code: 175XX
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 opened my current account with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, PA on XXXX/XXXX/15. Also on this day, a fraudulent account was opened in my name and social security number at XXXX XXXX XXXX XXXX XXXX XXXX, PA. I believe this was an internal error as the XXXX accounts were opened in the same day but I have been unsuccessful in getting XXXX to admit fault or even look at the problem ( this has now been going on since XX/XX/2015 ). We did everything XXXX asked us to do on our part by submitting the proper documentation that they required. After taking all these steps we never heard anything and the debt has now been placed on my credit report.


Date_received: 03/12/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Encore Capital Group
State: FL
ZIP_code: 323XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/12/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts.Furthermore, i accordance with the Federal Rules of Civil Procedure ; Rule # 1.130, I am asking for a copy of the contract which contractually binds me to this debt. The account # is XXXX. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on three occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.


Date_received: 05/01/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: 2016
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016, I received a letter of denial from XXXX XXXX, OH, credit card application department ( REF : XXXX ) and the reason was due to " unable to verify identity information '' The application was made on XXXX XXXX


Date_received: 05/09/2016
Product: Credit card
Issue: Privacy
Company: JPMorgan Chase & Co.
State: TX
ZIP_code: 799XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A XXXX form was sent to an address XXXX XXXX XXXX, XXXX TX XXXX. I have never lived in a city or at that address. The individual who lives at that address contacted me and forwarded me the XXXX form. I have contacted CHASE credit card to inquire how and why this happened as I have lived at the same address XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX for 13 years. After several attempts to speak with chase and understand who authorized the address change they said they do not know how or why the information was sent to the 3rd party and that they do not keep records for that information but that they were sorry it happened. Chase bank reps do not want to discuss the matter with me and I feel they are trying to hide how this event occured.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Convergent Resources, Inc.
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Received Alert for my credit bureau alerts stating I have an open account and failed to pay to XXXX. I closed my account with XXXX and due to previous collection tactics I was told to deal straight with XXXX phone serivce due to previous problems with collection shrewed tatics, threating court ect. I have been in communications with XXXX XXXX paying the last balance of my account which is XXXX. I 'm was confused when I received an alert from my credit montntoring agency that states that Convergent Collections indicates that they have been attempting to collect a debt in which I never received correspondent especially since I have been dealing with XXXX and paying by check. In order to report to the credit bureaus of XXXX, they must show that they have been in contact with my debt in an extensive time, I fails to make any attempt to pay my debt, which is crazy cause i have a check for last months agreement of XXXX cashed out by XXXX. I have no written correspondence from Convergent or any contact with any rep, or even a written correspondence to dispute any amount. Under fair credit reporting jaw can you submit to XXXX Credit bureau without any documentation, phone call or any correspondence and then report on my credit without any written correspondence. Under fair credit reporting is is unjustifiable, especially since I was and have paid a whole XXXX balance and have been speaking to XXXX even when they reported this to XXXX credit bureau.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Barclays PLC
Issue: CA
Subissue: 954XX
Consumer_narrative: Older American
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:
Barclays continues to side with merchant now says that the laser is available for pickup once I paid {$28000.00} - part of the reason that I filed a dispute in the first place was the merchant failed to deliver the merchandise on time twice and made up excuses that were out of his hands to justify failure. Barclays refuses to explain or justify why they have chosen to ignor the majority of my evidence nor why they are not allowing me to go to arbitration as per MasterCard agreement.


Date_received: 03/30/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: Nationstar Mortgage
State: NY
ZIP_code: 100XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Borrower is in review for loan modification but NationStar refuses to postpone foreclosure sale to complete review in violation of 12 CFR 1024.41 ( g ).


Date_received: 05/03/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: even though US Bank is aware of the fact that the levy was invalid
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: U.S. Bancorp
Submitted_via: CA
Date_sent_to_company: 914XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/03/2016
Consumer_narrative:
On XXXX XXXX, XXXX, the State of California Franchise Tax Board ( FTB ) Vehicle Registration Collections placed a levy on my checking and savings accounts at US Bank. The FTB took {$260.00} from my checking account and US Bank took an additional {$100.00} from my checking account as a " levy fee. '' The levy should never have been taken because I did not have any delinquent vehicle registrations. The FTB was ignorant to the fact that the vehicle in question was purchased from me by the State of California in XXXX under their Vehicle Retirement Program. I spoke with the FTB yesterday and they agreed to release the levy and put the {$260.00} back into my checking account. However

Company:
 US Bank is still refusing to refund me the {$100.00} they took as a levy fee. I know that the law provides remedies for situations like mine where the state and my financial institution have raided my private bank account under the pretext of a delinquent vehicle registration collection program. I would like to pursue every legal remedy to recover for my damages."


Date_received: 04/25/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Sallie Mae
State: NJ
ZIP_code: 070XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My student loan is with Sallie Mae. I have made several payments on this private loan. But, recently I have not been able to make payments due to unemployment and family changes. Now, Sallie Mae is harrasing mu family memebers, immediate and other relatives. It is a total disaster. My federal loan is under forebearance because I will go XXXX in XXXX 2016. But Sallie Mae, will not negotiate for such terms. I have written to them, called them, no success. I would appreciate any input and help. Thanks.


Date_received: 04/19/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Meridian Financial Services, Inc.
State: FL
ZIP_code: 335XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Meridian # XXXX & Meridian # XXXX are time share association dues. The Time share is my ex husband 's ( XXXX XXXX XXXX XXXX ) and I have signed over my shares/rights to him. This should not be on my credit bureau for association dues that I am not responsibility for. I have made several attempts to contact Meridian and XXXX in an effort to resolve but they are not willing to cooperate but only get the run around.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: National Enterprise Systems, Inc.
State: KY
ZIP_code: 402XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
National Enterprise Systems has left numerous messages on answering machine when not at home harassing telling me to urgently call back that they are trying to help me ; received call in person from them and explained I knew I was not the person they were trying to reach yet he persisted that I was and I needed to talk to him. After repeating to tell him I had no debt he said I did that I had given them the phone number I and said I had not. It was regarding a student loan I said I had no student loans etc that I was XXXX yrs old not the person He said you mean you are XXXX years old etc. I ask to speak to a manager and he discounted me.


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: ProCollect, Inc
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They have reported the wrong information from the beginning. They had the wrong amount reported. I went directly to the apartment complex that the debt was owed to and paid them the correct amount. On XXXX XXXX I sent them a copy of the letter showing the debt was paid. They contacted me XXXX XXXX saying I was responsible for paying by the end of the month. Once I explained everything XXXX XXXX stated she saw where the information was received and they will verify its validity. At this point I had already filled a complaint on the XXXX. XXXX XXXX comes back and tells me no record of the information was received after I told her it was sent to a XXXX XXXX. I forward the email to her and magically they received it. There has still been nothing done. I want this resolved. It is getting extremely annoying that it has taken over a month for something to be done.


Subproduct: Equifax
Issue: NJ
Subissue: 077XX
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
 Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response| we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process '' XXXX XXXX| Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2015| the Pay History was space filled with NR. 

The Comments and the XXXX listed| are inaccurate as well.


Subproduct: Receivable Solutions, Inc.
Issue: IN
Subissue: 462XX
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 have a credit score of XXXX and have no problem whatsoever paying my bills. This company is using the threat of collections based on their own poor processing of payments. They have fully earned and deserve a harshly worded letter from CFPB telling them that a payer can not be considered delinquent due to the payee 's own slow payment processing.


Date_received: 04/14/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: PNC Bank N.A.
State: CO
ZIP_code: 802XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
PNC Mortgage has failed to respond to multiple requests for information regarding a loss claim filed for a roof repaired from hail damage. The initial check was sent from the insurance company to PNC, however, nothing was ever mentioned and the check was deposited into escrow. Additional documents were required to complete the claim and release the funds to the contractor. However, notification was never provided. It should be noted that the funds were sent to PNC in late XXXX XXXX early XXXX XXXX. Notification was not received until the contractor threated to place a lien against my property for failure to receive payment. I have tried on multiple occasions to contact PNC to confirm that all documents have been received and the funds can be released. After waiting on hold for 30 minutes or more on each occasion, an operator would state that all circuits are busy and disconnect the call. The functionally to leave a message is offered every XXXX3 minutes while on hold ; however, when I would press zero to leave a message, the call would remain active and I will remain on hold.


Subproduct: Company believes it acted appropriately as authorized by contract or law
Issue: Select Portfolio Servicing, Inc
Subissue: IL
Consumer_narrative: 606XX
Company: Consent provided
State: Web
ZIP_code: 05/06/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
SPS still will not send my client proper notification and again violate consumer protection law of 30 day notice in advance. Because SPS calls me and gives me dates and yet my client XXXX XXXX never receives anything until several days later which is unethical. I was told to rewrite the HUD-1 settlement as they only want to offer my client {$3500.00} instead of the {$10000.00} relocation assistance under HAFA because she has had to go into the XXXX. This undue XXXX and hardship on my client is horrible what SPS has made my client endure. A month ago etc., my client was only facing XXXX and other XXXX needs that were urgently needed as she is facing even more XXXX needs. Today XX/XX/2016, I spoke w/XXXX at XXXX. They reopen the short sale to get in to do the EPO appraisal.However my client has not been legally written informed and because of SPS negligence and playing w/miscommunication they want to offer this {$3500.00} at {$110000.00} of 3 % instead of the full {$10000.00} relocation assistance as this was SPS/XXXX intention all along regardless of the hardship endured on my client. This amount is the same as " cash for keys '. Now

Product:
 my client XXXX XXXX has indicated they do n't have a problem going to court with a trial by jury if necessary.SPS wants to conduct business verbally by calling XXXX XXXX asking for XXXX XXXX in the Obsumden Dept. Client should respectfully receive adequate written notification in writing but SPS is unreasonable in meeting request."


Date_received: 04/21/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Settlement process and costs
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Morgan Stanley
State: MD
ZIP_code: 208XX
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 had a loan with Saxon Mortgage Services , Inc. Loan # XXXX, I tried to do a cash out refinance to obtain about {$31000.00} for improvements on that property ( XXXX XXXX XXXX , XXXX , MD XXXX ), and Saxon approved Loan # XXXX ; however, when I went to the title Company ( XXXX XXXX ) to sign the papers, I discovered that the interest rate and the monthly payments were much higher then what was promised. At the advise of Saxon 's agent XXXX XXXX I signed the documents anyway that I had three days to decide if I wanted to keep the loan. Two days later I called Saxon and informed them that I wished to cancel the loan, they gave me the fax number to fax the Notice of Right of Rescission which I did and kept my copy. And for the next three months, I continued made my Mortgage payments on the previews loan # XXXX, those payments were never returned nor applied to the newly-cancelled loan. Some time in XX/XX/XXXX, I received a call from Saxon stating that I have failed to make the first payment on Loan # XXXX. I quickly reminded them of the cancellation of that loan and requested in writing an investigation on both loans, on XXXX XXXX, I received XXXX letters from Saxon confirmed my inquiry and stated they will clear the matter and will get back to me. A month later, XXXX XXXX, I received the CERTIFICATE OF SATISFACTION of loan # XXXX, and in XX/XX/XXXX Saxon hired the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to foreclose on the cancelled loan # XXXX. In an attempt trying to save my Home, I had to file XXXX bankruptcies and still lose everything that I have ever owned. Saxon wrongfully foreclosed and sold my property and I never received from Saxon that {$31000.00} cash out refinance from loan # XXXX had I not cancelled loan # XXXX. Saxon made the mistakes off not cancelled the loan, satisfied the only valid loan, wrongfully foreclosed and sold my house causing me financial ruined and XXXX.


Date_received: 05/03/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: MD
ZIP_code: 212XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Every year I request my credit report from Experian and I never receive it unless I 'm willing to upload my personal information since they already have my name, birth date and social security number and I was permitted/ verified to log on to the system but once I 'm logged on I 'm told I need to upload my information again. I am entitled to a free report every year from them and it never happens. The other XXXX reporting agencies have sent me one but not Experian. I have reported this issue to you before this is real problem. I have a credit freeze for all credit reporting agencies. I do not want to buy my score or monitoring of my credit from Experian. My report from Experian is supposed to be free yearly. All I want this credit reporting agency to do is honor my yearly request that not too much to ask.


Date_received: 04/08/2016
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: TX
ZIP_code: 766XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We are filing a consumer complaint against our mortgage servicer XXXX XXXX ( XXXX ) due to payment misapplication and unclear escrow charges and fees. Our loan was approved to make payments in the amount of {$1000.00}, however in the interim our loan was sold and or transferred to XXXX from Bank of America ( BAC ) prior to the loan modification being made final. While completing trial payments for our approved loan modification with BAC, starting on XXXX XXXX, XXXX, our loan was sold before we could complete the entire process. Our loan was sold to XXXX, on XXXX XXXX, XXXX while still making trial payments from XXXX XXXX, XXXX accounting ledger is extremely distorted because of the loan being transferred prior to the permanent loan modification being granted. We have requested accounting ledgers from BAC which cover the payment history from XXXX XXXX, XXXX and have yet to receive them. XXXX, claims that my loan is due for 10 months of payments which is excessive as well as inaccurate on multiple accounts. Recently XXXX, agents XXXX agent I.D XXXX and XXXX agent I.D.XXXX, were just as confused as we are as to how the loans payments were calculated in fact. XXXX advised us that the first payment that was received from us after the transfer from BAC was complete, was made for {$1000.00} on XXXX XXXX, XXXX and applied toward my XXXX XXXX, XXXX payment, which is completely erroneous. Below are the only accounting statements which we have to consider for BAC records, these statements are also distorted and unclear as to how BAC derives to reflect preposterous amounts : *BAC NOTICE DATED XXXX XXXX, XXXX RECVD PAYMENT AMOUNT OF {$1200.00} AFTER APPLYING PAYMENT AMOUNT DUE IS {$10000.00}. *BAC NOTICE DATED XXXX XXXX, XXXX XXXX AMOUNT OF {$1200.00} AFTER APPLYING PAYMENT AMOUNT DUE IS {$9300.00}. *BAC NOTICE DATED XXXX XXXX, XXXX RECVD YOUR PAYMENT AMOUNT OF {$1200.00} AFTER APPLYING PYMNT AMOUNT DUE IS {$10000.00}. *BAC STATEMENT DATED XXXX XXXX, XXXX SHOW TOTAL AMOUNT DUE LESS THAN 1 MONTH LATER THE AMOUNT OWING GOES TO $ XXXX*INCREASING BALANCE BY {$2500.00} IN LESS THAN 1 MONTH PRIOR TO TRANSFERFurthermore, we were forced to reapply for another modification once our loan was transferred to XXXX. They stated that we needed to reapply because they had records indicating that BAC, informed their office 's that we had requested to cancel our loan modification which was dated XXXX XXXX, XXXX. This information is also incorrect because why would we make all of the trial payments of {$1000.00}, if we had no intentions to complete the plan? In fact XXXX, shows record that we continued making payments of {$1000.00} even after the transfer was complete, it simply makes no sense.Once we were forced to reapply for a new modification with XXXX, they approved us for payments that were virtually the same as what BAC, had done for our family. However, XXXX back dated their offer to reflect payments made to them in the amount of {$1000.00} dating back to XXXX XXXX, XXXX during the time BAC serviced the loan. How was XXXX, able to account for payments made under a HAMP loan modification on XXXX XXXX, XXXX, when they did n't take over the loan until XXXX XXXX, XXXX? hese underwriting errors along with the distorted accounting for escrow and late fees, raise major concerns as to whether or not our loan is being properly managed. Furthermore it makes it next to impossible to determine how far behind our loan actually is. As an attempt to try and make sense of our loans fees and charges we filed a qualified written request ( QWR ) with XXXX on XXXX XXXX, XXXX, immediately after on a notice dated XXXX XXXX, XXXX, initiated a notice of default and intent to accelerate our loan into foreclosure rather than simply respond with a clear explanation. We feel that they would rather foreclose on our home rather than have to explain themselves.


Date_received: 04/20/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company: Capital One
State: GA
ZIP_code: 300XX
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 was issued a XXXX credit card that was serviced by CapitalOne. On XXXX XXXX, 2016, I received an email stating that my autopay, monthly payment drafted directly out of my checking account, was canceled and that I would need to make payment using other methods henceforth. I was out of the country and could not respond. I have been informed that CapitalOne sold my account to another creditor because I had filed for bankruptcy. I was not delinquent on any payments. The checking account that I used for my autopay had enough to cover the XXXX payment. Also, I never received a demand letter for the alleged outstanding balance. I could have paid it and wanted to pay the balance that I owed them. I did not include that in my bankruptcy filing. I stipulate that CapitalOne has the right to rescind credit extended to a customer. However, it does not have the right to refuse payment and then take action to collect the alleged balance owed. Also, bankruptcy law places an 30 day stay on any collection activity. The bankruptcy was filed on XXXX XXXX, 2016.


Date_received: 04/01/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: SC
ZIP_code: 295XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
have mailed in payment 4 times and paid exactly the amount they sent in writing. Have been trying since XX/XX/XXXX to pay. also sent in copy of my account from the website. they sent every check back because the amount was slightly different from what they claimed. the amount always changes. then asked for a detail breakdown of exactly what is owed. what they claim as detail is not clear- is not a clear breakdown of exactly what is owed. see attachments for their last letter- is not a clear breakdown. copies of prior payments also attached.


Subproduct: Encore Capital Group
Issue: CA
Subissue: 920XX
Company_public_response: Consent provided
Company: Web
State: 03/15/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees


Subproduct: Ocwen
Issue: NY
Subissue: 112XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Please provide a copy of the mortgage /Hazard insurance policy Please provide a copy of the title insurance I was charged for Please provide a copy of tax and title certificate that I was charged for Interest rate Explain how the interest rate was calculated Maturity date Please Explain how the Maturity date was calculated Please provided Loan Report."


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: Encore Capital Group
State: GA
ZIP_code: 300XX
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 received muliple solicitation type mailings from multiple companies about " possibly '' being sued then this company called me and used threatening tone and verbage about pending litigation. I checked with my county of residence and learned there is nothing filed so the rep was not being truthful."


Date_received: 04/30/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company: AES/PHEAA
State: FL
ZIP_code: 328XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I had XXXX separate private, student plus loans, through XXXX XXXX XXXX. XXXX loans are current and never carried a missed or late payment status. XXXX loan carrier a $ XXXX balance at 2.5 % AND the other loan a $ XXXX balance at 7.3 %. I saved the money to pay off the 7.3 % Loan. The payment was made with sufficient documentation to direct payment to the correct outstanding balance and credit the correct loan for repayment. The payment was $ XXXX directed to the 7.3 % loan. Instead the payment was redirected to the lower interest rate loan and the over payment only was credited to the higher interest rate loan. I contacted the current loan servicing agent ( AES ) American Education Services and they indicated the correction would be made but with the next loan statement the loan crediting error still exists. I am now writing your organization formally writing the agent AES to demand the loan payment correction be made.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: FL
ZIP_code: 338XX
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 notified Equifax several times of inaccurate information listed and nothing is being done about it. There is a name listed which is XXXX XXXX which my name is XXXX XXXX and accounts listed which do not belong to me. Please help they are doing nothing about it


Date_received: 05/06/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company: Selene Finance
State: CT
ZIP_code: 060XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In late XXXX XXXX XXXX I heard on XXXX that the government had opened up help for homeowners with mortgages that are much larger than the current market value of their home. At the time we owed $ XXXX on a house that was only worth $ XXXX. We called our lender & requested a modification that would reduce our principal balance to more closely align with our market value. In XXXX XXXX we were assigned a single point of contact, XXXX XXXX, & he told us that in order to qualify for this modification, we had to be behind on payments. He suggested we allow our mortgage to get behind by at least 1 month ( current plus XXXX ) so we did. In late XXXX XXXX we requested the modification through XXXX & were mailed paperwork to begin the process. We provided everything & the process seemed to be moving along into a good place. Months went by & Selene got very difficult to deal with. Papers were lost, phone calls were not returned, requests made in writing were not answered, etc. I worked with the company by calling almost every day to check on the status of our account. In XXXX XXXX I received a phone call that our request for modification had been denied & the person I spoke with was very unprofessional. I made a complaint to CFPB at the time & the next day I got a phone call that a mathematical error had been made & our modification was moving forward. We were advised to make 3 trial payments & then our modification paperwork would be sent to us. We thought it was odd that we had to make the payments & then be told what our deal was but we did it anyways. In XXXX XXXX we got paperwork that said we needed to fill it out, have it notarized & return it by the end of XXXX XXXX. We were advised not to make any payments during this time due to the fact that they would go into suspense instead of be applied until our modification was completed. We thought it was weird that they 'd advise us not to make payments, so we continued to do so & watched them sit in suspense by viewing them on their website. We did as we were asked & submitted the necessary paper work on time. Apparently, when they scanned our notarized paperwork in, it flattened the seal made by the notary which made it so that they could not process our paperwork. They should have told us that ( they did not ) & they should have provided us with new paperwork that was exactly the same ( they did not ). Instead we had to call them in XXXX XXXX to find out what the holdup was. When we did so, we were informed that we had submitted bad paperwork & would have to start the whole process all over again. I refused & requested to speak to a manager which they escalated me to & I was promised the paperwork would be resent. They did not resend it until I called in several more times to ask for it. Finally in XXXX XXXX we got the paperwork, took it to a notary, had it done & were ready to send it back when we realized the paperwork was to simply refinance our mortgage into a new 30 year mortgage with a higher monthly payment & a higher interest rate. When I called in to inquire why it was like that, I was told I would need to submit my request in writing & wait 30 days to hear back from them. I advised this would put us outside of our window to send the paperwork back & they assured me that our account would be noted. I also asked for a payment detail that showed exactly what we 'd paid & how it 'd been aligned with payments owed. They did not provide the items so I requested them in writing via their website. I called in every day to check & they kept telling me I had to wait. We got notification in XXXX XXXX that our modification was declined. Then on XXXX/XXXX/XXXX we received 10 letters in the mail threatening foreclosure. It was 6 letters & 4 certified mail letters.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: CA
ZIP_code: 934XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax reinserted information that had been deleted in XXXX 2015. XXXX agreed to remove XXXX accounts yet Equifax continues to report accounts. Please delete accounts numbered XXXX from my credit report immediately as agreed.


Date_received: 03/26/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: TX
ZIP_code: 786XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.


Date_received: 04/13/2016
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: Bank of America
State: AZ
ZIP_code: 852XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX I used a Promotional Offer Access Check from my Bank of America Credit Card account ending in XXXX. The amount of the check was {$4200.00} and the only fee for the transaction was a XXXX % transaction fee which {$4200.00} x XXXX % = {$170.00}. The {$170.00} transaction fee reflected correctly on the statement as did the {$4200.00} check amount, however on page XXXX of my XXXX XXXX credit card statement, the total amount I was charged was {$4500.00}, {$100.00} MORE than the XXXX % transaction fee. The transaction also had a promotional APR of 0 % until XXXX XXXX which has not been reached yet, so no other fees should have been tacked onto this charge, yet alone the first month the charge went through. I called Bank of America today since I just noticed this discrepancy today after viewing my statements. The first customer service representative I spoke to looked at the XXXX XXXX, XXXX statement, thought it was odd, said she would put me on hold and talk to her supervisor, and I was simply transferred to another customer service representative who I had to retell my issue to. He was not helpful, could n't explain the charge, and then made up some crazy story that I have a revolving minimum APR charge of {$62.00} per month ( which I do n't have on this account.. and never have- I 've had this credit card since XXXX -- I would have long ago cancelled this card if such a charge existed ). Even the numbers he came up with did n't add up to the excess of {$100.00} charged to me on my statement. I keep getting the run around when I call Bank of America and I feel like I 've been a victim of credit card fraud. If they 've done this to me, they may have done this to others and it is not right. I would like this matter properly investigated as it is n't fair for me to have to pay an unauthorized fee that should n't be there, and its not a small amount either ( {$100.00} in excess ). So when you add up the total fees charged, I was actually charged a total transaction fee of {$270.00} which is {$100.00} MORE than the listed {$170.00} fee.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: OH
Subissue: 432XX
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. Kindly also remove this item with immediate effect.


Date_received: 04/26/2016
Product: Credit card
Issue: Arbitration
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: ID
ZIP_code: 832XX
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 submitted and FDCPA debt validation request to XXXX XXXX Credit Card, part of Synchrony bank for debt validation on the XXXX of XXXX XXXX. The request had a 30 day time window on it, and was completely ignored by XXXX. I submitted the second letter requesting debt validation to XXXX on XXXX of XXXX XXXX, and once again the request was willfully ignored. The first agent, XXXX whom I spoke to in their collections department was verbally abusive and hung up on me. The second agent I spoke to XXXX was as helpful as she could be but had no idea why they had n't responded to me, and sent me over to XXXX customer service department. The agent in customer service was obviously outsourced and had no idea in the slightest what FDCPA even is. I advised the last XXXX agents to please notate my account, and they told me that in addition to that, the calls are recorded. I understand that I need to report these violations to the proper Federal venues. Thank you.


Subproduct: Paul Michael Marketing Service
Issue: NY
Subissue: 114XX
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: No
Date_received:
I want Paul Michael Marketing Inc to stop reporting this charge to XXXX as its not my charge and they do not even have my social security number on file to claim it 's my charge.


Date_received: 05/10/2016
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: Trident Asset Management, L.L.C.
State: FL
ZIP_code: 338XX
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:
Unknown account and unknown debt, this is a mistake listed on my credit file that I have disputed with nothing received


Date_received: 05/07/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: Equifax
State: WA
ZIP_code: 993XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I tried to apply for a credit dispute and could not even see my report because when asked about possible loans on my report, I had no information of them and no memory of getting a loan. I 'm XXXX and it said that there were loans as old as 2011 that I had no idea about onb my report that I ca n't see.


Date_received: 03/25/2016
Product: Debt collection
Subproduct: Medical
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Company_public_response: Company disputes the facts presented in the complaint
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA
ZIP_code: 983XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/25/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
this person called me repeatedly throughout the day on both cell phone and work phone for multiple days. When I called them back she accused me of harassing them because my phone cut out and I had to call them twice. The lady screamed at me on the phone, and was abusive toward me. When I told her she was being rude to me she said that I was just trying to talk over her she kept yelling at me over and over would let me get a word in edgewise and finally hung up on me without taking payment. Her final words to me where " call back when you decide to pay your bills ''. I 've never dealt with someone so vitriolic before- I 'm still shaking."


Complaint_ID: Yes
Date_received:
After my mother passed and laid to rest. My brothers and I went to the office of SunTrust in XXXX. My brothers asked a financial representative there how to proceed to close the estate. The rep "" XXXX XXXX '' told my brothers were told they could never receive any part of her estate. XXXX did not divulge the trust to them. After they left I told XXXX who I was and said "" the trust ''


Date_received: A few weeks later
Subproduct: He rushed out and went with out me
Complaint_ID: Yes
Product:
 my younger brother and I were to engage a lawyer "" XXXX XXXX XXXX '' and while I was waiting for him


Date_received: We were all three made "" Administrators '' for my mothers Estate. I contacted the bank by phone
Product: faxing my letter of "" Administration ''
Subproduct: I learned there was no trust irrevocable or otherwise. So I went back to XXXX
Subissue: XXXX. I went to XXXX to verify this and they laughed and said of course not! ... I went home
Consumer_narrative: I called the main office
Complaint_ID: Yes
Issue:
 XXXX with a friend and proceeded to the bank with my papers and spoke with XXXX XXXX VP. She told me that all the trusts were transferred to XXXX


Date_received: I found that no death certificate was filed
Product: I asked how to file and was told send a copy to their office
Complaint_ID: Yes
Subproduct:
 I did and was notified a copy was no good and corrected the matter. I figured this must be the problem and I was wrong. This is where I contacted the FDIC they told me they would investigate. They did and found out nothing. A few weeks later

Issue:
 I went back to XXXX and I found the people I had been dealing with were let go or about to be. I had spoke to different lawyers not knowing who to trust but I heard how you could end up with nothing after the layers are paid. My mother did n't trust lawyers either

Subissue:
 hence why she used SunTrust 's end of life services. I believe the trust was transferred to another branch. At one point I requested all copies of my mothers checks going back five years. XXXX XXXX said "" no problem ''


Product: knowing she would pay by check. So
Complaint_ID: Yes
Date_received:
XXXX told me "" we tried to call you ( my cell ) and could n't get in touch and she sent them back. I asked her to resend them and this time she told me it would be {$20.00} per checkup front. I was trying to find the lawyer who made her will


Date_received: 04/20/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Fidelity Capital Holdings, Inc.
State: VA
ZIP_code: 225XX
Submitted_via: Servicemember
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 met and continue to meet the payment requirements however it has been placed in collections. I did initially fail to meet the payment obligation however paid the previouse month and current month XX/XX/XXXX as per a phone conversation with the point of contact. XXXX XXXX who works for XXXX XXXX I experessed to her I don want this to hit my credit she said no problem just pay the last month missed and the current month and continue to pay on time from now on so I have and XX/XX/XXXX it was placed in collection on my credit report. I continue to pay and have all receipts if needed however they report every month I make a payment. I want this pulled off my credit report since they are continueing to accept the payment terms as discuss as well as the fact I have not missed or been late since 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 resulted from identity theft
Company: Trident Asset Management, L.L.C.
State: AL
ZIP_code: 352XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have continuously contacted the debt collector who refuses to honor my dispute of identity theft. I have provided all the information needed to support this including the police report and what happened when my car was broken into and all of my items were stolen.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Discover
State: AR
ZIP_code: 728XX
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:
They call my personal cell phone at least 2 times per day and now they have started calling me at work which is unacceptable! I work for a large retail store and it is unacceptable for them to be harassing me while I 'm at work.


Date_received: 05/05/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: and that I should have responded to the notification. To me
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: NV
Company_response: 895XX
Timely_response: Older American
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
Bank of America Merchant Services applied a {$20.00} charge to my account for XXXX, a service I did not request nor desire. When I inquired, I was told that it was " opt out

Company_public_response:
 '' and I was given a phone number to call. The charge made my account overdraft. I believe that applying a fee without "" opt in '' permission should have been illegal. I was told on XXXX/XXXX/16 that I received a notification about the impending charge

State:
 that 's bogus. I believe Bank of America is defrauding customers. All such unrequested charges should be "" opt in. '' Customers should not have to read the fine print of every notification to avoid having a bank XXXX money out of their accounts. Since I did not formally allow such a debit -- which would have been monthly -- this was an unauthorized withdrawal."


Date_received: 05/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Credit Karma, Inc.
State: TX
ZIP_code: 799XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On my credit report it shows I have late payments, when you check those payments you can see they are not late they are on time.


Date_received: 04/22/2016
Product: Credit card
Issue: Customer service / Customer relations
Company: Capital One
State: NJ
ZIP_code: 086XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a credit card from capital one bank for many years they restrict my account because of a " fraud issue '' I waste my time going to the bank branch and the manager call custome service directly after sent all the information they said will take upto 3 days has been more than XXXX months and capital one is reporting as negative in my credit report. Every time I speak at the customer service they make me send my personal information again and it 's not resolve yet!!!!!"


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Medical Business Bureau
State: NJ
ZIP_code: 073XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Medical Business Bureau ( MBB '' ), alleges that I owe {$360.00} for medical services rendered on XX/XX/XXXX. I processed a dispute with the XXXX credit bureau 's ( also submitted proof of having charity care through the state of NJ ) I contacted the doctors office and left several messages but no response was rendered. I have requested a verification of debt from MBB via certified mail delivered on XXXX and XX/XX/XXXX, but they have not produced one. I expressed all my concerns to MBB representatives, but they do not have answers. MBB is, however, reporting negative information on my credit reports, which affects my credit score and future planning. MBB is also not following the requirements of the FDCPA. I never received notice of the debt as required by 15 USC 1692g.. MBB has failed to produce anything in response. I am requesting that MBB cease all collection efforts and remove any negative information from my credit reports. I would like confirmation that this information has been removed.


Date_received: 04/14/2016
Product: Debt collection
Subproduct: Non-federal student loan
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company: Navient Solutions, Inc.
State: OH
ZIP_code: 453XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Navient is continually contacting my employer after multiple requests and certified letters to stop. XXXX XXXX from Navient was harassing another employee with my same first name until the other employee threated the police.so sent another letter certified and now they are calling again.


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: substitution of trustee
Company: and notice of sale are materially false
Submitted_via: even if "" Respondent '' were entitled to foreclose
Date_sent_to_company: you can not misrepresent material facts and commit fraud to do so. A.R.S. 33-420 is violated
Company_response: and the XXXX ' claims for those violations are not waived by A.R.S. 33-811 ( c )
Consumer_disputed: In re XXXX
Complaint_ID: XXXX XXXX XXXX
Consumer_narrative:
The XXXX ' claims relate to substantive defects in " Respondent '' documents that should have forbid these parties from recording any legitimate notice to a trustee 's sale for lack of authority. but they used the documents anyway ... It is the key issue - the trustee 's deed upon sale is based on forgery there can be NO right to possession superior to the XXXX '. possession in the XXXX remains superior to any contrary right of possession obtained fraudulently. The sale was not properly noticed by a party entitled to notice it. If the assignment

State:
 these documents are "" presumed groundless and invalid '' pursuant to A.R.S. 33-420. "" TRUSTEE 'S DEED '' GENERATED BY SUCH VOID DOCUMENT

ZIP_code:
 WOULD BE INVALID THIS TRUSTEE HAS A DUTY AND ITS FIRST DUTY IS : Trustee Sale Guarantee ( TSG ) is a title guarantee issued at the start of foreclosure. It assists the foreclosing beneficiary and trustee by delivering information needed to ensure compliance with state foreclosure statutes. FFIRST AMERICAN TITLE COMPANY AS TRUSTEE VIOLATED LARGENTS NOTICE OF RESCISSION AND NOTICE OF DEFAULT WHEN THEY PROCEEDED TO FORECLOSE AND SOLD THE PROPERTY AT ISSUE ( TS No. : XXXX TSG No : XXXX ) : XXXX XXXX XXXX. dba XXXX XXXX In fact

Timely_response:
 which merely provides limits for contesting the notice requirements for an otherwise valid trustee 's sale. The use of false assignments and resultant false deeds rendered "" Respondent '' claim to possession inferior to the XXXX '. See


Date_received: 04/28/2016
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: SunTrust Banks, Inc.
State: NJ
ZIP_code: 076XX
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 attached XXXX mortgage assignments by well known and admitted rob-signers are clouding title to our property.


Date_received: 05/03/2016
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: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have received no assistance from Experian or XXXX as far as removing the bankruptcy that is on my credit file resulting from identity theft. I submitted my police report, affidavit, proof that I was out of the country when this bankruptcy was filed ( I was out of the country from XX/XX/XXXX-XX/XX/XXXX and this bankruptcy was filed in 2011 ) as well as handwriting/signature comparisons to prove that the signatures on the bankruptcy papers does not belong to me and was told by XXXX that they have denied my request to block the information. I also sent the original petition for the bk that I pulled on pacer.gov to show that it was not my signature. In addition, the accounts that were included in this bankruptcy ( listed on the last page ) were never even on my credit file. I will take these XXXX bureaus to court if I have to, and i have already filed multiple complaints against them with the XXXX, FTC and CFPB as well as your organization and they still continue to report this information even after I have submitted the proof that this was never filed by me, the bk does not belong to me and that someone did this without my knowledge. Please contact this company to get them to remove this, as they are in clear violation of my rights


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: CA
Subissue: 922XX
Company_public_response: Consent provided
Company: Web
State: 05/05/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX was included in a bankruptcy in 2008 that was discharged, so I no longer owe it. Additionally, it is showing as charged off, yet they keep adding fees on there and adding it back on as new.


Date_received: 04/25/2016
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: Synchrony Financial
State: WV
ZIP_code: 253XX
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:
TJ Maxx serviced by Syncroney bank just put a negative result on my credit report stating that my account was delinquent and they had closed it. I have been negotiating with them for a long time they posted a XXXX XXXX from North Carolina charge on my account for over XXXX I told them this as not my charge and I lived in XXXX not XXXX. I asked for a detailed account statement and I do not owe them anything I should get an attorney because they have damaged my credit and I am not a happy camper


Date_received: 05/06/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: AL
ZIP_code: 368XX
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 an account with XXXX XXXX out of XXXX, Ga. that has been in chapter XXXX bankruptcy since XX/XX/XXXX. I 've had several issues with XXXX reporting my account correctly to Equifax. First, XXXX continued to report the account as a charge off account. I 've spoke with XXXX and Equifax many times. The issue still is n't resolved after over a year of me filing complaints. Now, XXXX is reporting the account as a payment that 's past due also. I spoke with XXXX XXXX at XXXX about the issue on XXXX XXXX, XXXX. The account was included in the bankruptcy and had a starting balance of {$2600.00}. I now owe them about {$23.00} and I 've never missed a payment. I 've been dealing with this for over a year now. Equifax has been no help. All they tell me is to call the creditor. Farmers should be charged with fraud.


Subproduct: CNG Financial Corporation
Issue: GA
Subissue: 309XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
No response from District Manager when I have left two phone call messages in mid XXXX and no response from the Home Office when I emailed a complaint late XXXX asking for some kind of explanation or understanding as to what happened here. My understanding is if my payments is a set amount of {$670.00} and I am paying ahead of time I do n't believe I should have any uncollected Interest or a whole payment going towards interest. I do n't know, that is why I asked them to give me an answer. Because it seems like If I 'm only paying interest ahead of principal I will never pay this loan off. Now on XXXX XXXX my payment due for XXXX XXXX was paid ahead of time and just like my other payment ( except XXXX ) principal and interest was paid. I do n't think I 'm asking for too much to know where my money is going. I have been waiting a month to hear from the home office and longer from the District manager. Never missed a payment, never late has the making of a responsible customer and this is has I get treated. To me when you avoid talking to me that 's a sign that something is not right. I have my receipts as evidence to help figure this out, like I said I 'm not a financial wizard, I may be wrong but I would feel better if I got a better explanation than the two that I got from the store manager. Thank you for your assistance in this matter.


Date_received: 04/22/2016
Product: Credit card
Issue: Customer service / Customer relations
Company: Capital One
State: NJ
ZIP_code: 086XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a credit card with capital one they restrict my account because they think it 's a fraud issue. Have so many problems because I sent my personal information more than 5 times even if speak with some one to make sure they receive it. After confirming 3 days after manager who handle my case transfer out to another department and I have to resend my I formation again. No one in customer service can resolve the problem because every time they have someone different and I have to star over the process.


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: 787XX
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 received a letter from an attorney office regarding my XXXX account that they are handling my account and that it 's no longer with XXXX and it had the balance owed etc. with to all XXXX XXXX to remove the XXXX account. Equifax never removed the account they never notified me of the results or anything. They actually add a new account to my credit report causing my score to drop even though I provided proof the account with XXXX was no longer their account and has to be removed from my credit. They are the only cb who does n't truly validate debt. I have another account XXXX XXXX who never validated the debt and has been removed by XXXX and XXXX but Equifax again updated the info and said it was verified. I never got the method of verification who they spoke to or what was verified. I reached out to XXXX XXXX and they still have n't validated the debt. I know the cb make money by keeping bad information on our credit reports but it 's ridiculous when you send proof and they still refuse to make the proper updates and corrections I will provide all proof of what I submitted and what they have done. It 's time they be held responsible for failing to properly handle my credit report and validate information. By law they are required to investigate and not just sat verified and by law they are required to give info received and I still have not gotten anything.


Date_received: 04/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: DE
ZIP_code: 197XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX located at XXXX XXXX XXXX. XXXX, SC XXXX, I was living with someone at the time, management advised I had to go on lease as I occupant over the age of XXXX, but I will not have any financial responsibility because im not a leaseholder, lease holder defaulted on the debt and the past due balance of XXXX prior collection agency removed from my report, however new agency placed account back on my report.


Date_received: 04/25/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Portfolio Recovery Associates, Inc.
State: CA
ZIP_code: 951XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
PORTFOLIO COLLECTIONS CONTINUES TO AGGRESIVLY COLLECT ON THE DEBT THAT I DO NOT OWE. HARASMENTS, THREATS OR ARREST AND INAPPROPRIATE LANGUAGE ARE BEING USED, AND CALLS MADE TO ME AFTER WORK HOURS. EVEN AFTER SENDING THEM A COPY OF MY CREDIT REPORT SHOWING NON EXISTANCE OF XXXX ACCOUNT ON MY REPORT AND SERVING THEM WITH CEASE AND DESIST NOTICE THEY CONTINUE TO IGNORE MY EFFORTS AND AGGRESSIVELY COLLECT ON THESE ACCOUNTS WITHOUT VALIDATION OF THESE ACCOUNTS.


Subproduct: Ocwen
Issue: NY
Subissue: 112XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
As of today, I 'm showing XXXX XXXX XXXX filed a Satisfaction of Mortgage on XXXX XXXX, XXXX based on the XXXX Consent Order filed on XXXX XXXX, XXXX. I 've enclosed XXXX documents for your review. Please provide a documented Note, Deed of Trust along with an current notorized Affidavit from the investor employee stating that the allege contractual agreement is enforceable under applicable New York XXXX XXXX and Consumer Financial Protection Bureau Under the Fair Debt Collections Practicing Act and Fair Debt Credit Reporting Act, If you are not able to provide this information, Ocwen as the service r and/or acting on behalf of the investor or any other entity DO NOT have documents for enforceable interest as stated under the National Settlement Consent Order. I 'm requesting a Mortgage lien release on the property immediately and a refund for all 182 monthly principal and interest relating to the loan from XXXX XXXX thru XXXX XXXX and all items need to be omitted from our credit report because they are not Factual


Date_received: 04/25/2016
Product: Debt collection
Subproduct: I do not know
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company: Portfolio Recovery Associates, Inc.
State: FL
ZIP_code: 330XX
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:
I received two calls from Portfolio Recovery from XXXX different numbers both on XXXX XXXX, 2016. The first number was XXXX and they called at XXXX EST and the second call was from XXXX and they called at XXXX EST. The number that they are calling is my work number and I have asked several times that they do not contact me at work and they continue to do so. They have my cell phone number. I have spoken with a rep by the name of XXXX XXXX and again I have asked that they do not contact me at work. The rep stated that they would continue because I refuse to answer my personal cell number. I have asked them to provide proof of debt in writing and each time they have told me no. I would like for them to stop calling me I have been reprimanded for their unwanted phone calls.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: MN
Subissue: 559XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made."


Date_received: 04/25/2016
Product: Credit card
Issue: Billing statement
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: USAA Savings
State: VA
ZIP_code: 220XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
My credit card made a special zero % financing offer that I accepted & then they charged me interest every single month. I have called them 3 times & each time they have told me they are in the process of the resolving the issue & that I should see a statement credit soon. It 's been 6 months & I have not. They have also switched this card from being a XXXX to a XXXX. I am worried that this will get lost & never be resolved.


Subproduct: CAB Receivables, Inc.
Issue: GA
Subissue: 310XX
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Untimely response
Submitted_via: No
Complaint_ID: Yes
Date_received:
I sent a Cerified Return Reciept letter to the companies registered agent in addition to a copy sent directly to this debt collector to include a cease and desist and removal of this information from my trade lines with an invoice for damages enclosed. I have given them the proper amount of time to contact me with regards to this and they have failed to do so.


Date_received: 05/02/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: MA
ZIP_code: 027XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Husband passed recently and he had no will and XXXX accts with Bank of America. XXXX was our joint checking, the other XXXX were XXXX a XXXX and a XXXX acct. I told the bank rep wanted to keep those XXXX they told me would have to go to Probate to get access. I did go to probate and was asked to list assets did n't list the fund acct only had XXXX. Since the passing I established a scholarship acct in my husbands name and planned a huge scholarship event, I have deposited XXXX in the XXXX. A few days before the event tried I to withdraw some of the funds for expenses related to the event and told could only make deposits because my husband had sole propriortorship on the acct. My attny rushed papers through probate listing the acct to give me access, now the bank says the amt in the bank at time of death was XXXX and the amt now is different. Attny says this is not part of the estate. My husband did not raise the f ; unds and it is not his funds.I have expenses related to the event not paid and this has become a disaster. I have more checks and cash to deposit. No one in the bank advised me that I should have established another XXXX acct in my name but they kept taking the deposits. The bank is ignoring the court documents giving me access, you get nothing but the run around when you call, no return calls, each time you speak with someone its a different story, they act like they will help and then it always diverts back to there is nothing they can do. The local branch reps are poorly trained and not helpful at all.


Date_received: 04/22/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Complaint_ID: Yes
Consumer_narrative:
On XX/XX/2016 I went to an ATM at a wells Fargo BRANCH close to my house, In front of XXXX, I was depositing some money and something happened and the machine took my card. I came home and called and they reported the card, but in that moment did not order me a new one. They did however sell me a secured card ( and transfer that money within 30 minutes when it was not supposed to be for two or three days ) Instead, when I hung up I realized that I still had to go and get a new card. I went down to a branch on XXXX and XXXX XXXX XXXX. For A Temporary card.. this was around XX/XX/XXXX. I went on my way and did n't think anything of it. A few days later on XX/XX/XXXX I went to the ATM on XXXX XXXX in front of XXXX XXXX XXXX to get money out to give my son to pay our rent. My wife went with me because I was worried the machine might eat my card again. When we went to do the transaction we noticed that there were only {$54.00} in the account, when there should have been {$350.00} in the account, or a little more. I had just transferred {$70.00} to my father in law online in the morning. My wife said " Maybe it 's a math error and the account has n't caught up to itself '' so she tried to take out {$300.00} anyway. When she did a screen popped up that said "" You will be subject to overdraft fees if you continue ''. We knew then that there was a problem. So we hit cancel on that screen and removed the temporary card. We then went down to the branch on XXXX XXXX in front of the University XXXX XXXX XXXX and no one could help. They said we had to wait until after midnight and to call customer service. As my wife and I were looking over our account activity

Company_public_response:
 we realized that the transaction for the {$300.00} that was missing from the account took place at XXXX at that ATM with a different debit card than the temporary one that I had. My original card ended in XXXX

Company:
 the temporary ended in XXXX and the one that took the money fraudulently ended in XXXX. I had never been to that ATM before


Complaint_ID: Yes
Date_received:
We called customer service and the young man we finally spoke to immediately cancelled the card ending in XXXX. He assured me that they would credit my account the next business day or so. They did n't


Subproduct: in front of XXXX XXXX XXXX
Subissue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative: Wells Fargo & Company
Company_public_response: NV
Company: 891XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 04/22/2016
Company_response: Closed with monetary relief
Timely_response: No
Consumer_disputed: No
Complaint_ID: 1891358
Date_received:
Why would I take three days out of my life and file a fraud investigation request if I knew that I was the one who had taken the money out? Someone else used the card with the fraudulent number or there is something wrong at the bank. They never said how they investigated it

Product:
 why there was another ATM card issued on the account. I had never had any trouble with my account since I opened it.. I did NOT get any money out of that ATM on XXXX XXXX

Issue:
 I had never been there before that day. Whomever took that money was there at XXXX. according to the information in my account. The only reason I went there is because I did n't want to go back to ATM that ate my original card."


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Preferred Credit, Inc.
State: TX
ZIP_code: 774XX
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 had no knowledge of this account, I never sign up for preferred credit, I try calling them to dispute this but they wont help.


Subproduct: Equifax
Issue: IL
Subissue: 600XX
Company_public_response: Consent provided
Company: Web
State: 04/12/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have requested validation of all aspects of the account, to include original application and signature, dispute letters, authorized users, statements, payment history, charge off statement, they can not validate. I sent certified letter and they have 30 days to complete and have not been able to validate. Account states on credit report I can not be located. Account states was sold to XXXX -- XXXX sent me a letter stating they were closing the account and removing from credit report due to no information.. Should delete and block the account permanently.


Date_received: 05/06/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: Equifax
State: ID
ZIP_code: 837XX
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:
I had a Judgment against me on my public records. The court had entered it wrong so I went back to court and had it fixed. The Judgment now shows Dismissed. So after that I disputed it with Equifax. I sent them a copy of the court record the Judge her self gave me. They as in Equifax said that the copy that sent them was not Legit so they could not take it off my credit report. I than called them and told them that is the exact paper the Judge had gave me. They said that would not work, so I told them to look up on me public records where they get that info from and see it has been fix. The gentleman/supervisor said there is nothing he could do about it and then hung up on me.


Date_received: 05/10/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: JPMorgan Chase & Co.
State: UT
ZIP_code: 840XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was issued a savings bond check via XXXX XXXX XXXX XXXX, which was cashed into my Chase Bank Account. However, the check was rejected and my account was closed and reported that fraudulent activity was happening. This is incorrect. My parents had gotten the savings bond check, with their name and also my name on the savings bonds, and the check was mailed to me in California and cashed into my bank account. There should have been no problem!


Date_received: 03/10/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Credit decision / Underwriting
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Winnpointe Corporation
State: CA
ZIP_code: 926XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A company called Winnpointe is engaging in deceptive mortgage practices. They are advertising a 2.875 % fixed rate for the life of the loan without clearly stating whether it 's a 30-year loan or a 15-year loan. This is trapping consumers into calling thinking this advertised rate is for their 30-year loan and is against TILA regulations.


Date_received: 06/09/2016
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: FL
ZIP_code: 346XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is a follow up to a previous complaint against Ally Bank. I had taken out a car loan on a XXXX Cadillac Escalade through GMAC, at some pint to loan was assumed by Ally Bank. The loan was paid in full and I received clear title from GMAC. Ally claimed that I still owed them over {$4000.00} and made negative reports to the credit bureaus. After my last complaint, they sent me a letter stating they would remove all negative reports ( see attached letter ). They also generated a XXXX stating I need to claim the " write-off '' on my XXXX taxes. I do not. They are still showing on my credit as "" derogatory ''."


Date_received: 05/04/2016
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: IN
ZIP_code: 466XX
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 sent off for my annual credit report about a month ago, and no repond back.i made preparation to file Bankruptcy, but was delayed by XXXX, XXXX, and Transunion that had set me back with my Bankruptcy case that been filed.


Date_received: 05/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: AL
ZIP_code: 352XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I understand that the credit bureaus are reporting that a federal tax lien is being reported. This lien should never have been filed in the first place. As you can see the lien was filed and that taxes were paid on exactly the same date date of XXXX/XXXX/2010. This item should be removed. The IRS has indicated that the lien has been paid and released. In the interest of all parties this should be removed


Subproduct: Equifax
Issue: NC
Subissue: 282XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/08/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: PA
Subissue: 191XX
Company_public_response: Consent provided
Company: Web
State: 04/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I was threaten by an associate name XXXX that she will go into my bank account. XXXX XXXX to harass me so much in calls til I started getting XXXX and XXXX. XXXX XXXX will yell at you constantly agrue with you and if you hang up the phone they will continue to call you back by phone. I ask them not to contact me they continue to do so my number has been change I applied for credit XXXX 2016 I did not give my number to XXXX the associates lie about when they purchase the collection. XXXX XXXX has been harassing me for over 8 years XXXX XXXX contacted harasssng me as of now. XXXX XXXX is not listed on my credit reports But I am still receiving data that XXXX XXXX is still acquiring to all my credit report bureaus, after being deleted from all XXXX credit reports and still demanding payments from me. I sent a cease and desist letter.


Date_received: 03/03/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: BBVA Compass
State: TX
ZIP_code: 765XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX I was approved for an account with Simple. In order to fund my new account I would have to link an external account. Once I verified my external account I proceeded to deposit {$2500.00} into my Simple account. A few days later I was locked out of my account because they needed more verification. I sent in all requested material including XXXX bank statements. Days later I received another message saying they would n't accept my bank statements. After going around in circles with my other bank I requested to have my Simple account closed due to the fact that they would not accept my external bank statement. Simple informed me that for some reason they could not return my money or close the account. I put my trust into a company who had excellent reviews only to get denied access to my hard earned money. I 'm only requesting that my funds be returned to me with no further issues.


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently pulled my credit report from Equifax and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Equifax continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report."


Date_received: 05/11/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Santander Consumer USA Holdings Inc
State: GA
ZIP_code: 305XX
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 finance company refuses to automatically debit my banking account despite being authorized to do so. Their " policy '' is that it was past due. It was past due because they failed to debit the account before it became past due."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: NJ
Subissue: 077XX
Company_public_response: Consent provided
Company: Web
State: 05/04/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
3. Is has Payment History Data for times, when the account had been CLOSED a. This account was opened in XXXX, and Closed in XXXX is showing 4. Is has Balance History Data for times, when the account had been CLOSED a. This account was opened in XXXX, and Closed in XXXX is showing b. Have erroneous comments, when this account has been closed for almost a year.


Date_received: 04/29/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company: Selene Finance
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a mortgage loan that is delinquent not by my hands. I have received state assistance for the past year and tried working with the mortgage company for some kind of relief. They have not returned any calls I get statements mailed stating I owe one amount and when I call customer service they say a different amount. I have owned my home for 22 yrs. I have recently accepted new employment which will enable me to make my payments. I have called to work something out with them the only thing I am getting is a run around. The worst thing about this is this company is only the servicer of the loan. I have had my loan transferred 3 times from XXXX to XXXX and now with XXXX XXXX a/k/a XXXX XXXX in the past three years. Recently the loan has been assigned 3 different times to different attorneys in the past 2 years. After contact in XX/XX/XXXX when the last payment from the state assistance stopped to work something out to no avail I had a XXXX XXXX in XXXX XXXX XXXX. I have my XXXX payment but I am being told if I try to submit any funds they will be returned. In addition to getting XXXX different amounts owed my payments have decreased and they will not tell me why. I know they should have increased? My first modification was supposed to be 2 % for 3 years, 3 % for 2 years, 4 % for 1 year and max out at 5 % for the loan duration my current statement is reading 2 %? I also have a loan modification that was recorded in XXXX XXXX canceling the les pendence due to a completed modification agreement. I have never signed anything with them? My written statement states {$14000.00} due when calling in XXXX they wanted a flat {$5000.00} in my most recent call this past Tuesday it is now XXXX? My payments were {$710.00} with an increase due this year but they are saying my payments are {$640.00}? I ca n't get a straight answer. My loan is owned be XXXX XXXX XXXX and division of XXXX XXXX and finance by Selene finance. I just do n't have even XXXX but I can make my mortgage payments and I am willing too but I am getting no where. I do n't want to lose my home over {$6000.00}. however given my physical condition I ca n't handle the stress of this either. I really feel like this company ripped the state of Florida off by {$32000.00} and change as well as only offering me a Harp/Hamp modification which I do n't qualify for as my loan was modify once before by XXXX. I owe XXXX with a {$28000.00} balloon payment and now with Florida hardest hits funds there 's an additional almost {$48000.00} mortgage on this home. The value is n't there for me to sell. XXXX. I have been divorced since XXXX XXXX the only thing I got from all those years in the house I raised my children in. Trying to have peace in my life and work with the mortgage company has caused me a XXXX XXXX. Please someone look at the information I am providing to you and let me know if I am correct or not about this issue. Like I said I have XXXX 's payment and I am able to continue at this time to make my payments but I am very sick and I can not handle the stress. I have hard copies of the XXXX modification offers ( Harp/Hamp ), all the hardest hit information and all of my mortgage statements along with acceleration demands for payments while receiving hardest hit funds however, I will have to fax these I also have the letters of transfers to attorneys ( Fl ). I have the XXXX XXXX paperwork, I have the divorce paperwork and court contempt due to not obeying judge 's orders of providing quit claim deed in timely manner as ordered. I have spoke with Dept of HUD and that I where I am getting my information about not qualifying for a modification at least not what I have been offered. I have done my homework and tried my best to work on righting this wrong that my ex-husband caused. Please help if possible.?


Date_received: 05/06/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company: Equifax
State: TN
ZIP_code: 372XX
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:
Have requested several times for Equifax to send me my correct and updated credit report and score ... still have not received it.


Date_received: WE WERE NEVER ABLE TO PULL OUR EXPERIAN REPORT FROM XXXX ALSO
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Experian
Subissue: CA
Consumer_narrative: 950XX
Company: Consent provided
State: Web
ZIP_code: 05/03/2016
Submitted_via: Closed with non-monetary relief
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 THEY HAVE BLOCKED THEIR PHONE LINES WITH NO AVAIL TO REACH A LIVE PERSON THIS HAS BEEN GOING ONE FOR 38 DAYS NOW AND HAVE BLOCKED ON LINE ACCESS TO MY OWN FILE THROUGH XXXX OR XXXX THIS HAPPENED BEFORE AND SEEMS TO BE THE STALL TACTICS USED BY EXPERIAN. UNFAIR TO ALL CONSUMERS AND NOT A RIGHT WAY TO CONDUCT BUSINESS ON THE NATIONAL LEVEL!!!"


Date_received: 04/27/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: MI
ZIP_code: 481XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I was looking to open a new bank account so I could save for specific things in different accounts. I XXXX good banks with promotional offers now, because I figured if I was going to open a new account I might as well get extra money to kick start my saving! I found XXXX reputable banks with good promotional offers that I could meet the requirements. One of these was Bank of America. They offered a {$300.00} bonus for opening a checking account and making direct deposits totaling {$4000.00} within 90 days of opening the account. I met the requirements within 60 days and even called to check I met the requirements. When I still did n't get the bonus I called and they said they had no record of this offer on my account and to take a printed copy of the offer to the bank in person. I did this and the manager of the branch submitted an escalation request because he confirmed I had the offer in-hand and met the requirements. The escalation was denied, because they said this was a targeted mail offer. There is nothing in the fine print that says this at all, and it was something I found directly on XXXX ( not through another page then to BOA, the search results went directly to the BOA splash page ). This is dishonest to promise someone an offer and deny it based on something that was not in even written in the offer. If they had in the fine print on the online offer that you must have received a paper version of this in the mail to be eligible I never would have opened the account!


Date_received: 04/28/2016
Product: Debt collection
Subproduct: Medical
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Receivable Solutions, Inc.
State: NC
ZIP_code: 283XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a " Limited Time Offer '' letter ( attached ) dated XXXX/XXXX/2016 stating that they were willing to settle my debt of {$2500.00} for {$1500.00} if that amount was received no later than XXXX/XXXX/2016. XXXX payments were made to the agency totaling {$200.00} between XXXX and XXXX. On XXXX/XXXX/2016 I called to make the remainder of the settlement amount of {$1300.00} but they would not accept it as payment in full. They stated that the {$200.00} in payments did not count towards the offer amount. I feel that this is a total misrepresentation and is not what the letter stated or implied. No where in the letter does it state that any payments made in this period would not be applied to the settlement amount offered. Please investigate these false statements and what I consider to be unfair practices against the consumer."


Date_received: 03/11/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Company: Resurgent Capital Services L.P.
State: KS
ZIP_code: 662XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Creditor is calling my place of employment several times a week sometimes several times in one day and I have asked them to not contact me at work.


Date_received: 04/14/2016
Product: Credit card
Issue: Billing statement
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/21/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
This issue has happened to me multiple times in which I was charged interest on a XXXX credit card account that had a remaining balance of XXXX dollars. I find out about the interest months after because I receive letter stating that they ( XXXX ) are trying to charge me interest on the interest that originally charged me for when I had a remaining balance of XXXX dollars. And when I called to tell them about it, sometimes they tell me that its my fault because it was interest on the pervious month. I try to explain to them that how is that possible if I did n't have a balance to even get charged interest. I even went as far as explaining to them about how interest is calculated and even gave them an example explaining that no matter the interest that I had XXXX times any interest is still XXXX. Recently I had to call again to the XXXX Credit Card service because the same issue happened in which I was being charged interest again for having a remaining balance of zero. I asked they and they said because I paid my balance off in two separate transactions, one was paid a little under 3 weeks before and the other a week before my payment was due, that 's why I was being charged. I told them how is possible if the balance was still zero a week prior to the end of the billing cycle. The solution that they gave me was to pay in a single transaction. To me that 's not a solution because it should n't matter how many times a payment is made if the balance is XXXX then no interest should have been carded.


Subproduct: Platinum Holdings Group, LLC
Issue: VA
Subissue: 224XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 04/29/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " JAG '' and have my wages garnished if I did n't pay the debt."


Date_received: 04/23/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Company: United Guaranty
State: PA
ZIP_code: 184XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Defaulted on my loans from the original company. They told that all my defaulted loans were taken on by one collector. Then year later tried telling my had another loan I still owed on, and they never gave an answer Original loan company lied about how many of myany I had stop paying because do n't know what I really owe. So as far as I 'm concerned I 'm not paying anymore


Date_received: 05/09/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
ZIP_code: 474XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was denied the ability to open a bank account because of information provided by ChexSystems. I requested more information from them, but was not given anything useful. I was a victim of identity theft in 2014, but otherwise have always been in good standing with all of my credit/bank accounts.


Date_received: 04/19/2016
Product: Credit card
Issue: Billing disputes
Company: Capital One
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX of 2015 I bought receivers from XXXX using capital-one Credit card for {$1600.00}. The purchase was made through paypal, and the merchant and I contacted through XXXX messaging. The merchant however never sent in my full order and the order that did come in was n't as promised/advertised ( the merchandise was not only fake, but did not work ). I talked to the merchant, and they denied to refund my money. So I took it up with capital one bank, thinking they would listen to their customers. I have sent in pictures, proof of purchase, a statement explaining the situation, and overall it has been a very lengthy process, and I still have not received my refund over the time frame of almost 5 months. I find it ridiculous that I am being penalized by my credit card company for a faulty and fake transaction. I sent in everything that they requested me to send to resolve this problem, but Capital One Bank is only doing things in the merchant 's favor.


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_public_response: Company believes it acted appropriately as authorized by contract or law
Company: TrueAccord Corp.
State: OH
ZIP_code: 440XX
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 am being contacted that I owe a company money who I never heard of, it is for a product I bought once but paid then and there so I 'm confused to the price of what it is saying i owe.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Ocwen
State: NY
ZIP_code: 112XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My husband and I are being taking advantage of by Ocwen Loan Servicing LLC.. We are part of the XXXX DOJ Consent Order targeting XXXX females in the XXXX County ( XXXX, New York ) area. Since XX/XX/XXXX, Ocwen never notified us that the loan was part of the civil action. As a servicer, they were obligated to inform us and stop collection practices. I realized this last week when I reviewed my property records. Also, Owcen strategically did not put my name on the tax records only show my husband name to that the loan was not affected by the Order. A Satisfaction of Mortgage from XXXX XXXX was recorded and was PAID IN FULL and HAS NOT BEEN ASSIGNED. We are XXXX years old and every time my husband and I call, l we are always getting the run around about the account. There are major concernsAs of today, I 'm showing XXXX XXXX XXXX filed a Satisfaction of Mortgage on XXXX XXXX, XXXX based on the DOJ Consent Order filed on XXXX XXXX, XXXX. I 've enclosed both documents for your review. Please provide a documented Note, Deed of Trust along with an current notorized Affidavit from the investor employee stating that the allege contractual agreement is enforceable under applicable New York State Law/Department of Justice and Consumer Financial Protection Bureau Under the Fair Debt Collections Practicing Act and Fair Debt Credit Reporting Act, If you are not able to provide this information, Ocwen as the servicer and/or acting on behalf of the investor or any other entity DO NOT have documents for enforceable interest as stated under the National Settlement Consent Order. Therefore, I 'm requesting a Mortgage lien release on the property immediately and a refund for all XXXX monthly principal and interest relating to the loan from XXXX XXXX through XXXX XXXX and all items need to be omitted from our credit report because they are not factual


Date_received: 04/27/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX and XXXX equfax keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}


Date_received: 05/02/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: SC
ZIP_code: 297XX
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 credit report shows a charged off account from XXXX. i do not have this loan. it was never mine, i tried to dispute it but got nowhere.i also show a lot of inquiries i never authorised ( like furniture credit inquiry ).


Date_received: 04/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: FL
ZIP_code: 337XX
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 get a judgement on my account who was posted on 2010 and still showing up twice with XXXX and Equifax. This need to be removed from my credit report.


Subproduct: Nationstar Mortgage
Issue: TX
Subissue: 773XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 03/30/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
1. Nationstar FTC XXXX XXXX XXXX " XXXX Points of Complaint on a Word Doc '' 2. Nationstar School Tax Contract & Escrow XXXX XXXX XXXX XXXX. Nationstar FTC-CFPB XXXX XXXX XXXX email confirming receipt of the above confirmation. Nationstar FTC XXXX XXXX XXXX was my research information. Word doc."


Date_received: 01/19/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company: Common Wealth Mortgage Services
State: CA
ZIP_code: 925XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/08/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: No
Consumer_narrative:
I received a fixed FHA mortgage XX/XX/XXXX with a payment of approximately {$1500.00} per month. XX/XX/XXXX I was notified by the mortgage company of an escrow shortage due to the facts according to mortgage company the property taxes had been initially incorrectly calculated upon my obtaining the mortgage. Taxes and insurance are impounded with mortgage payment. Due to being on a fixed income I was unable to pay shortage so the mortgage payment was increased to {$1800.00} per month XX/XX/XXXX. I looked at my account recently and the mortgage payment is schedule to increase to {$1900.00} per month beginning XX/XX/XXXX and I am unable to refinance either Streamline or otherwise at this time without having to bring in upwards of {$6000.00} to do so. Mind you this was supposed to be a fixed rate mortgage so I wondering what rights do I have to protest these increases as the miscalculations of property taxes was not my fault but I am suffering due to the mistakes of my mortgage company.


Date_received: 04/21/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company: Avant Credit Corporation
State: WI
ZIP_code: 547XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX has inaccurate info on my credit report from Avant Credit and has not removed it, my dispute was initially file XX/XX/2016. I had permission from Avant to miss one payment, then I had to re-sign a repayment agreement with them ( which they added {$1000.00} to the loan ) and it was supposed to remove any negative info. XXXX has corrected the info, XXXX has not and after being on hold with them twice for a total of 30 minutes today waiting to talk to a stat side supervisor ( which never happened ) I am filing a complaint. They show XXXX missed payments with a credit score of XXXX, XXXX score XXXX. I have already missed out on a job opportunity because of this and pay higher car insurance premiums. This needs to bbe corrected immediately!


Subproduct: Nelson Cruz & Associates LLC
Issue: OH
Subissue: 451XX
Company_public_response: Consent provided
Company: Web
State: 03/09/2016
ZIP_code: Closed
Submitted_via: No
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I will also be requesting debt verification because all their info is wrong ... that account was involved in a chapter XXXX bankruptcy


Date_received: 05/06/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: FL
ZIP_code: 320XX
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 paid my XXXX bill and I was never 30 days late I called XXXX and they put in a dispute but I never heard back from them until a few day ago they took off the late fee. Because they could see I made the payment enclosed is a copy of the payment I made from my bank. This needs to be changed to current never late.


Date_received: 04/19/2016
Product: Credit card
Issue: Delinquent account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: AL
ZIP_code: 352XX
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 received a credit alert from XXXX XXXX ( XXXX ) that I had been reported twice ( XXXX/XXXX/2016 and XXXX/XXXX/2016 ) for a delinquent account by Macy 's. After speaking with Macy 's customer service ( XXXX/XXXX/2016 ), I was told they had not reported me. I believe this relates to a previous account that was closed due to fraud.


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: TransUnion Intermediate Holdings, Inc.
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:
XXXX reinserted information that had been deleted in XXXX 2015. XXXX agreed to remove account yet Transunion continues to report account. Please delete account number XXXX from my credit report immediately as agreed.


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company: Fay Servicing, LLC
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Condo was returned to XXXX in Chapter XXXX BK discharged XXXX XXXX, 2013. Fay Servicing bought a pachage of properties from XXXX has has been sending collection letters, phone calls and refuses to tell XXXX County Assessor that the condo is NOT owned by me


Date_received: 04/26/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: MI
ZIP_code: 482XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX ( A scammer ) offered to buy my tv for {$370.00} on XXXX. Said they would send certified funds via XXXX I rec 'd a check for {$1900.00} on XX/XX/XXXX and texted, asking why so much? The scammer responded that I send the overage via XXXX XXXX to their movers, a XXXX XXXX in KS. On XX/XX/XXXX my bank had cleared the check and the funds were made available in my account so I sent the {$1400.00} as requested. Today XX/XX/XXXX, my bank debited the {$1900.00} check saying the check was fraudulent. I have many texts & emails back and forth with this person prior to the check bouncing. When I texted today, I got no response.I have contacted XXXX XXXX ( case # XXXX ) and the XXXX Police ( case # not yet assigned ).


Complaint_ID: Yes
Date_received:
On XXXX/XXXX/2016 : at XXXX, I received a text Alert Stating : " M & T Alert : XXXX is below {$2.00}. Available balance is - {$0.00} as of XXXX on XXXX/XXXX/16. May not reflect all transactions. '' As of XXXX/XXXX/2016 in the late night

Product:
 XXXX XXXX transaction and XXXX transaction are first posted in the night batch but my {$50.00} deposit ( which should be posted too on the same date ) is still shown as pending leading the overdraft XXXX/XXXX/2016. I took a screenshot of my account on XXXX/XXXX/2016 at XXXX XXXX


Product: the inconveniency and for punitive because I am sure I am not the only victim."
Issue: M&T Bank Corporation
Subissue: NY
Consumer_narrative: 142XX
Company: Consent provided
State: Web
ZIP_code: 05/06/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
I demand {$2000.00} to settle this case for the impact it caused when I want to apply for a small consumption loan


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: FL
Subissue: 339XX
Company_public_response: Consent provided
Company: Web
State: 05/26/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I did receive a letter of denial shortly after Wells Fargo explained to me that I did n't make enough money to qualify for the refinance loan. Even though I have never been late on any of my payments for my first or second mortgage in the past & now I am being denied for a loan with my payments projected to being less. After much going back & forth with Wells Fargo about their decision, Wells Fargo advised me to try going through another department what they called a Hardship Loan. All I had to do is prove I did n't make enough money to qualify. This should n't be a problem, so I was told. I applied for a Hardship Loan through Wells Fargo 's Loan Preservation Department at which point, in XXXX XXXX, a week later I was told verbally that I was denied due to not making enough money. I have not yet received a letter of denial from the Home Preservation Department through Wells Fargo. Wells Fargo has ignored my entire request. As of XXXX XXXX, XXXX, Wells Fargo has forced me into a fixed rate second mortgage of their choice and my payment has gone up {$400.00} per month from what I was paying. Please tell me how if I do n't make enough money to quality for a good interest rate, how can you approve me for a payment which is {$400.00} more per month, but yet you denied me for a payment which is affordable because I do n't make enough money to afford to lower payment. Our government needs to step in & make changes with exceptions to those people who have borrowed money under an equity line loan. When it comes due, give them the best possible financing which will combine their mortgages at the best rate without pre qualifications, i.e., provided that the borrower has been faithful in making their required payments on time. This procedure I am forced to go through, is just not realistic and makes no sense at all. Also, I am insisting that I get the letter of denial from Wells Fargo Loan Preservation Department.


Date_received: 05/10/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Other service issues
Company: The Western Union Company
State: GA
ZIP_code: 300XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I purchased a money order from Western Union in XXXX XXXX # XXXX. The money order was never used and is still complete and unsigned. The money order number is XXXX and I do n't have the purchase date. The amount of the money order is XXXX ( XXXX Dollars ) but Western Union Services says they will only cash the money order back in for XXXX ( XXXX Dollars ). I feel this is illegal as the original amount spent on this money order was XXXX ( XXXX Dollars ).


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: OH
Subissue: 430XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/07/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.


Date_received: 04/15/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Credit decision / Underwriting
Company: HSBC North America Holdings Inc.
State: NJ
ZIP_code: 076XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
My mortgage servicer HSBC sent me a letter stating that they sent my encrypted information to a third party in error. Since than I have had some of my accounts stolen and I have been forced to get on a credit monitoring program. I filed a complained with their office of the president. I am told that the case is closed and that they called me once. I am continuously getting calls asking me if I took out several loans. This is a nightmare. Please help me.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: IBERIABANK
Issue: AL
Subissue: 352XX
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:
Thank You XXXX XXXX IberiaBank Mortgage Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX Phone : XXXX Desk Phone : XXXX Fax No. XXXX It seems that there are regulations requiring the bank to send a monthly statement. Could you please help me with this?


Date_received: 05/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: FL
ZIP_code: 336XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all XXXX major credit reporting agencies, Equifax , XXXX & XXXX, whose report numbers I have entered in the field for 'Original dispute case numbers. ' To date, since fileing a complaint with cfpb, XXXX has ceased to continue this negative reporting on my credit records. Equifax & XXXX continue this negative reporting and It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/XXXX ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX ( Addendum XXXX/XXXX/XXXX ) I would like to repeat, that since beginning this dispute, XXXX ' has agreed with my dispute and deleted this negative report from my files. I would ask that Equifax & XXXX also delete this negative information from my files, as well. Sincerely, XXXX


Subproduct: Nationstar Mortgage
Issue: TX
Subissue: 774XX
Company_public_response: Consent provided
Company: Web
State: 03/29/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
We have a legal agreement with Nationstar via the Form XXXX ; and for them to suddenly increase monthly mortgage in this manner/to this amount is a violation of the consumer protection laws."


Date_received: 05/11/2016
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: Pinnacle Credit Services, LLC
State: AL
ZIP_code: 351XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Pinnacle Credit Services placed {$2100.00} against me on my credit reports stating that the original creditor is XXXX XXXX. This is listed on my CR 's with all XXXX credit bureau 's. I called Pinnacle Credit Services and I asked to speak to a manager on several occasions. The last time I called today they transferred me to a disconnected number, and hung up. I called again only to be told that nobody there would speak to me and that I had to pay the debt or I would be arrested and was told they do not have to provide me proof since they bought the debt. I called XXXX XXXX and they told me that they can not find any information, and that I had to speak with Pinnacle Credit Services. I do not owe a debt too XXXX XXXX nor Pinnacle Credit Services. This was placed on my Credit reports in XXXX of 2012. Every month this reports and makes it impossible for me to go forward financially. I receive numerous calls from Pinnacle only for them to hang up as soon as I say hello. I only know its them because I XXXX the calling phone numbers. I now have them blocked from calling me because now it 's also harassment with no communication. I filed a dispute today with the Minnesota XXXX. I have also disputed this debt with the Credit Bureau 's.


Date_received: 01/30/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: OK
ZIP_code: 735XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I understand that I owe money to university of XXXX. But unfortunately the past fees years have been very difficult for myself. I barely at times have enough money to pay bill 's let alone try to pay off debts. I have filed before on this matter of being threatened of being arrested to harassing phone calls to my XXXX year old father. They call five times or more. Never answwer when picked up or hang up when I answer. Now I 'm in a position that I have no work or income coming in. Yes I want this matter resolved but trying to find a job where I live is hard and being sick makes it worse. I have filed bankruptcy once and feel I my not have a choice now But to do it again. They refuse to send me any kind of document regarding this matter and have asked them to stop calling due to the fact I do not have a phone and the number that are calling is a friends phone. He is constantly having to stop at work and answer the calls. He has told them to stop and they refuse to do so.


Date_received: 04/27/2016
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: Santander Bank US
State: NY
ZIP_code: 104XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
I had my ties severed with my local Santander Bank in XXXX recently in XX/XX/XXXX and had my checking account closed after an incident ( I have received checks of a fraudulent nature which was n't particularly my fault ) and I was given a warning to my bank.However, I 'm still forced to pay Santander 's Line of Credit Overdraft Protection Service which I find to be unfair if I 'm no longer tied to the ban and have to pay back {$3000.00} I felt like I got XXXX to pay off a massive bill and I kept getting harassing phone calls from Santander after missing a payment and being called 5 consecutive times. I shouldnt be forced to pay a bill and get attacked with interest rates I was deceived by my bank that I could cancel the service but then I was told Have to pay the full amount back and I 'm struggling to find employment to pay this off.


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Discover
State: CA
ZIP_code: 954XX
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:
The Discover Card Company issued me a credit card. XXXX charge was disputed, and therefore not paid. Afterward, I learned that in fact it was a legitimate charge but the company had used a completely different name so I no longer disputed it. Discover Card paid the amount, advising me they would do so but not advising me that it meant I would go over my credit limit nor that I would daily receive XXXX phone calls regarding being over my limit. I pay the monthly payment on time at the rate prescribed each month. I previously requested of Discover card that they stop calling me, which they agreed to do, and notating it on my record. Yet it has happened again and continues daily at an excessive and harassing amount.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company: Optimum Outcomes, Inc.
State: NC
ZIP_code: 276XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
this company has kept on its record an account that is fraudulent was from my identity being and stolen and used to receive goods and servicews without my permission this company keeps this fraud account on their records in additoin to reporting it to the credit bureaus when knowing it is fake


