# complaints

Date_received: 05/05/2016
Product: Credit card
Issue: Other
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: MI
ZIP_code: 481XX
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 scammed, lost XXXX dollarish, company refuses to chargeback card even whil ; e the company is under XXXX investgation


Date_received: 04/06/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: GA
ZIP_code: 300XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
calls me four of five times daily threatened to turn my case over to XXXX County if I do n't call them back by the end of the day. A XXXX XXXX called my children with the same threats to get them to pay to keep me from going to trial. A XXXX XXXX called me three times with 1 minutes I guess to see how many calls she can make repeatedly. They claim they are calling from Pre-Trial. Then there is another caller that do not give a name that calls three or four times with a recording that advise if you are not the person press 1, that did not stoop the calls then I pressed 0 to get the operator but no one came on the line. nothing that I press stops these calls. Nothing stops these calls from these people.


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: WAKEFIELD & ASSOCIATES, INC.
State: TX
ZIP_code: 782XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016 I reviewed my credit report and noticed that an account that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. As of today, I have not received a response from this collection account.


Date_received: 03/11/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company disputes the facts presented in the complaint
Company: Primary Residential Mortgage
State: CO
ZIP_code: 810XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This lender used unethical practices to secure a fraudulent pre qualifying letter, paying for inspections, home appraisals, and earnest money, and then the weekend before closing telling us we did n't qualify for a mortgage. This lender has affected multiple individuals in the real estate sector, and consumers. The lender and the company was very unethical, and cost us much money. I expect to be paid full restitution of damages. This place is horrible, very disrespectful, and unethical. They should n't even be open for business.


Date_received: 04/11/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Shopping for a loan or lease
Company: Pentagon FCU
State: TX
ZIP_code: 750XX
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 contacted Pentagon Federal Credit Union to inquire about products and services. After establishing an account, I called back that same evening to apply for an Auto Loan. When applying for the auto loan with the second representative, he offered and and asked if I wanted some type of insurance product that would take care of payments in the event that I was injured/etc. What I found EXTREMELY disturbing is that fact that the rep asked if I had been diagnosed with XXXX, an XXXX, or XXXX. That is confidential and personal information. No customer service representative should be qualified to ask for that information. No customer service representative should be privy to a customer 's name and potential XXXX, and/or XXXX status. In addition to this, this is discriminatory lending practices. This is not ok.


Date_received: 04/25/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: JH Portfolio Debt Equities, LLC
State: CA
ZIP_code: 945XX
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:
Attn : JH Portfolio : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In correspondence dated XX/XX/2016 I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to your company, under FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that you are to delete the fraudulent account from my credit report and give up all collection activity. Your company not only failed to do this, but also verified the debt as a valid debt when the credit bureaus contacted you to verify validity of the debt. This is a blatant violation of my rights FCRA. Additionally, the only response to the ID Theft report that I had sent your company was sent to me by your assignee XXXX XXXX XXXX, who perplexingly claimed that I needed to send them more information, and perplexingly they asked for the police report again


Date_received: 04/27/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Caliber Home Loans, Inc
State: NJ
ZIP_code: 088XX
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 was the servicer of my loan, it was sold ( to whom, I do n't really know ) and XXXX became the servicer. XXXX accept my loan modification as '' complete '' but in fact, it had no signed IRS tax transcript request and no signed Dodd Frank certificate. No signed IRS Tax Transcript request, and neither XXXX nor Caliber ever wrote to me to say this form was missing. MY RMA was denied, by Caliber for HAMP and then later, an in house mortgage. Caliber is now asking me to send in everything again. Therefore, they denied an incomplete application.


Subproduct: Rushmore Loan Management Services LLC
Issue: NM
Subissue: 875XX
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:
1 ) lawsuit from builder ( XXXX pp ) 2 ) summary of costs lost during the construction of the home ( XXXX pp, {$70000.00} ) 3 ) summary from home inspection and cost to complete ( XXXX pp, {$120000.00} ) 4 ) summary of out-of-pocket legal fees ( XXXX pp, {$13000.00} ) 5 ) summary of legal fees for attorney ( XXXX pp, {$62000.00} )


Date_received: 05/01/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX purchased account # XXXX from Syncb/Dillards XXXX XXXX XXXX XXXX FL XXXX, which was opened XXXX XXXX and first reported to the Credit Bureau oh XXXX XXXX. XXXX XXXX changed my Date Opened to XXXX XXXX and First Report date to XXXX XXXX. I filed XXXX disputes with the Credit Bureau and they failed to properly investigate this matter, I called XXXX spoke with XXXX XXXX employee # XXXX tried to explain to him they are reporting incorrect information to the credit bureau ( the date open is incorrect, last balance is incorrect ) and I would like to have this inaccurate account removed from my credit report, he said he had no way of removing the account and the only solution he offered was to reopen the account to collect more money from me. I would like a investigation done on my behalf because the credit bureau is not do their job in fully verifying the information is


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: AZ
Subissue: 853XX
Company_public_response: Consent provided
Company: Web
State: 04/26/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
3 ) Assuming that the alleged refund gets credited to my account tomorrow morning, which I do not believe will occur, I have been without $ $ $ in my Savings account for 19 days when it could have been earning me the pittance of interest that the system pays depositors. No one ... NO ONE ... is willing to satisfy a longtime customer. It should be a no brainer, honor the cardholder agreement and immediately credit my account pending the refund from the vendor. It is apparent that no one monitors Wells Fargo at the Federal Level. If I am WRONG then PROVE it to me by penalizing Wells Fargo for their indifference to a true need. The only reason the computer was purchased is because a similar unit was STOLEN from me on XXXX/XXXX/16 as part of a home burglary, where I have the perpetrator ON VIDEO and the POLICE ( who were given the video and name of the perpetrator ) will not make the effort to arrest him and his accomplices. If they wo n't do this, AND IF your organization ca n't help the common man then I HAVE TO ASK " What good ARE you? ""."


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: FL
ZIP_code: 331XX
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 recently received a copy of my Experian Credit Report ( XXXX ) on XXXX/XXXX/2016. For several months I have been disputing what I believe is a questionable Hard Inquire from XXXX XXXX XXXX dated XXXX/XXXX/2016. I have disputed the inquire with the XXXX other major Credit Bureau and upon the completion of there investigation they determined that inquire were to be removed from my Credit Report. Experian continues to refuse to remove the mentioned hard inquiry from my Credit Report and continue to deny my right granted to me by the FCRA. If the other XXXX major credit bureau conducted there investigation and determined to remove the inquire from my credit report it could only result in the ethical and trust worthiness of how Experian handles disputed items from consumers.


Date_received: 05/10/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Company_public_response: I was somewhat relying on the police to find the fingerprints
Complaint_ID: Yes
Consumer_narrative:
After having a banking relationship with Chase for many years, my checking account became used by someone utilizing ACH or international wire transfers. It may have happened after my computers got stolen during a burglary at my home just prior. At first I called the company, and they would not provide information, then Chase directly after the police had conducted their research. I was notified only transactions within a 60 day period would qualify, and although there were a few just touching, or outside that period, I understood the " timely manor '' issue. Even though


Date_received: The trouble began on my very first call XXXX XXXX
Product: to report the fraud
Subproduct: the representative only took XXXX item down
Subissue: and then paperwork to fill out. 3 days went by
Consumer_narrative: and only XXXX credit was applied
Company_public_response: and spent several hours with several reps
Complaint_ID: Yes
Issue:
 to file as fraud. In reality we discussed about XXXX-XXXX transactions. At this point my account had been over drafted XXXX dollars! She told me within 3 days I would see a provisional credit during the investigation


Date_received: I complied with their request for information
Product: and the forms signed. I was issued a credit
Subproduct: later to find out
Issue: that there were still fraud transactions being processed through my account
Subissue: from the same company. I called to notify them
Consumer_narrative: and an agent in the disputes department
Company: she stated she did not care
State: she was reversing every credit previously applied. I asked her why? It seemed very personal
ZIP_code: she became angry
Submitted_via: short
Date_sent_to_company: and rude
Company_response: and told me she believed I did the transactions. It was a complete nightmare
Timely_response: of chaos
Consumer_disputed: disorganization
Complaint_ID: and mistakes from representatives from then on
Company_public_response:
 "" XXXX '' decided that all these were valid charges somehow ( almost {$5000.00} ) even though I have never in my life performed an international money transfer. I explained about the break in


Date_received: 04/29/2016
Product: Credit card
Issue: Transaction issue
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: OH
ZIP_code: 430XX
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:
After making what I thought was a payment in full of my monthly Sychrony Bank XXXX XXXX credit card, which I have through Sam 's Club, I was surprised to find that only the minimum payment had been processed. I knew that this was a mistake, perhaps on my part. So I went back to the website to make the remaining payment. What I discovered through experimentation was that the Synchrony Bank payment site is slamming customers by changing their intended payment amount. It works like this : Once you choose an amount to pay, the next option on the page is the payment date. If the user chooses to pay early or change the payment date to any date but the pre-select due date, the system will change the date and, then will also change the amount paid to the minimum payment. As a result, unless the user is very vigilant, they are making the minimum payment instead of the intended full payment. Obviously, this will generate interest income for Synchrony Bank if the user does not notice the problem before the due date.


Date_received: 04/29/2016
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: OR
ZIP_code: 973XX
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 FICO score had been rising steadily over the last two years due to my being quite responsible with the utilization of credit and immediately paying my credit card balance in full every month. A few months ago, my credit card company increased my credit limit. They did this WITHOUT asking me or getting my permission. Now because the ratio of my credit usage vs available credit has changed, the bureaus tanked my FICO by XXXX points! In other words, I 'm NOT in debt. I pay my balance in full and on time, but because my monthly charges are now XXXX % usage ( vs XXXX % ) against available credit, I get punished with a drop in my FICO? This is proof that the credit bureaus need to be investigated and sued. What they are doing is damaging to people NOT in debt. It 's almost as if they rather we accumulate massive debt, which makes no sense. PLEASE do something about this. Obviously their algorithm is broken.


Date_received: 05/08/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: Equifax
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Can not receive my free credit report online. I am only able to purchase for a fee. They are requesting validation of identity to provide the online report even though I can purchase it without the validation. I have made online disputes to credit report and they respond to the online dispute, they just will not provide the free report without red tape and delay which causes me to not access the free report. They are using this tactic to make money off of me, in violation of my FCRA rights


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 monetary relief
Complaint_ID: Yes
Consumer_narrative:
Have a credit account with capital one bank for several years. They restrict my account because they think it 's a fraud issue after send my personal information many times and speak to many mangers has not been resolve my problem


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: 330XX
Company_public_response: Consent provided
Company: Web
State: 04/26/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This is a long time to hold on too someone 's money, especially when that someone has to pay bills before XX/XX/2016. I spoke to different people from Wells Fargo and was told different tells about why my check was placed on hold. But on their site it states that the money is being held because of the overdrawn chargers within the pass six months, which are only XXXX. The last one was only for {$6.00}. I suspect that is just away for them to hold on someone 's money. With the electronic transfers now a days things should be done a lot faster. I think there should be a class action lawsuit against Wells Fargo and any others banks that pull this type of garbage on their customers.


Date_received: 04/24/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Receivables Performance Management LLC
State: NY
ZIP_code: 113XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
They keep calling me and threatened me that they will sue me for the funds I owe Sharing my personal info to other people


Date_received: 06/06/2016
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: Citibank
State: TX
ZIP_code: 781XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/06/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
My mortgage loan was transferred from XXXX XXXX XXXX to Citimortgage. During the transfer, my XX/XX/XXXX payment was added to my escrow account and Citimortgage had no record of my payment. When I made XX/XX/XXXX 's payment, I was informed of this and I confirmed that I indeed made my payment to Nation Star. Two phone calls later, the misapplication of the monies was found, and I was assured that it would be applied to the payment without an impact to my credit score within 72 hours. Seven phone calls later spanning 32 days, I received a letter indicating that my account was delinquent and they have reported me to a credit bureau. While Citimortgage now confirms that the payment is applied correctly and my account is up to date, my husband ( a XXXX vet ) and I are being punished for their error with incorrect information being reported to the credit bureaus. The fact that their lack of action or sense of urgency on their part has impacted our credit and they continue to negatively impact me due to their error is inexcusable. This has caused undue stress on both me and my husband. I want Citimortgage to provide me confirmation that my credit report will be updated in writing and provide the CFPB proof of what their process is in these matters so that someone else does not have this impact.


Date_received: 04/20/2016
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: Wells Fargo & Company
State: UT
ZIP_code: 841XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I spoke with a representative on XXXX XXXX, 2016 with Wells Fargo Dealer Services. I was advised of an incorrect fax number to fax over documentation in reference to my Social Security update request. I received a new number from Social Security from the Social Security Administration due to Identity theft/fraud. I later called Wells Fargo and spoke with a representative and I advised I faxed the documents over to the fax number XXXX attention XXXX. The representative I spoke to stated that this was incorrect and I should sent it to XXXX XXXX Department at fax number XXXX. I advised the second rep that I paid {$23.00}. I advised since it was not my fault if there would be any compensation and I was told there was nothing they could do and that I would have to re-fax the documents to them.


Date_received: 05/01/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I had XXXX fradulent charges placed on my credit card account. I reported them two days after they were placed on my account. I have been lied to 4 times about how long it will take to have them removed. I called in once, and was told 2-3 days. 3 days later i called in and was told it takes 5-7 days. I called in 7 days later and was told it takes 7-10 days. 10 days later, I called in and was told there is no expected time to reconcile the charges and remove them from my account. Every other time I have reported fradulent charges to my citibank credit card they applied a conditional credit immediately. This time they are basically refusing to remove them, and they continue to count against my credit line, despite the 100 % no-liability on fraud charges a that is advertised by Citibank for their credit cards.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Synchrony Financial
Issue: CA
Subissue: 907XX
Company_public_response: Consent provided
Company: Web
State: 04/27/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Please help US from this harassment from this SYNCHRONY BANK OFFSHORE Customer services folks undue diligence, professionalims, accent and torcher.


Date_received: 05/08/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to* promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you


Date_received: 05/06/2016
Product: Credit card
Issue: APR or interest rate
Company_public_response: by any name
Company: for the use of money."
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Wells Fargo & Company
Submitted_via: TX
Date_sent_to_company: 781XX
Company_response: Older American
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/06/2016
Consumer_narrative:
I accepted a short term offer around XXXX to use my existing Visa card, with a balance of only XXXX dollars, up through XXXX time with no interest charges for six months. I charged XXXX during the period. Then I made quadruple the minimum monthly payment until I paid the balance off last month. They did n't charge me interest labeled as interest per se : they charged me a {$1.00} FEE per month labeled " minimum interest charge ''. In my dictionary "" no interest '' means no fees


Date_received: 05/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I previously submitted a complaint regarding GA XXXX XXXX XXXX which were re-inserted on my Equifax credit file. This is credit discrimination! These files were previously deleted from my file in XXXX and have been paid and released. All XXXX GA XXXX XXXX Liens must be removed from my file. They should not have been reinserted in my credit file. This is illegal to reinsert information which was previously deleted from my file and is a form of Retaliation because I filed my complaint against Equifax regarding other matters in XXXX and XXXX. This is a retaliatory act. The XXXX XXXX XXXX XXXX has the XXXX liens as paid in full. Take it off my credit report. Equifax has a extreme habit of attempting to XXXX minorities XXXX and this is XXXX prime example. The XXXX GA XXXX XXXX records must be removed because they have been paid and should have never been reinserted on my credit file. Also, the statue of limitations states that Public Records can be removed after 7 years, and they were removed in XXXX, after being on my credit report since XXXX. They should have never been reinserted on my credit file.


Date_received: 03/20/2016
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: NM
ZIP_code: 871XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/20/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have a mortgage for more than 13 years and it is not reported on all XXXX credit bureaus. I also have had several auto loans which I paid off at XXXX XXXX XXXX XXXX XXXX that I have paid off in good standing not being reported as well.


Date_received: 06/19/2016
Product: Credit card
Issue: Transaction issue
Submitted_via: every last one of them is going to see the screen shot of how sneaky BoA is
Date_sent_to_company: no one likes sneaky
Company_response: XXXX next ..."
Timely_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_disputed: Bank of America
Complaint_ID: NM
Consumer_narrative:
I have over XXXX financial entries on my credit report with no late or missed payments with any lenders or CC 's except for Bank of America ( BoA ), not one for 7 years! BoA has a practice of rejecting auto pays even though on their web site it shows that the payments have been made- they really have not. I finally took a snap shot of it as it shows payments being made through bill pay ( ebill ) as if the amount was paid. This has been a history with them for years dating back to 2008, this is the only negative report I have as far back as my report goes with no other negative entries except from them. In fact I had my auto-pay set up via a supervisor on the phone and it was suppose to be set up to make the minimum payment but he set it up {$5.00} short and I never got noticed until four payments had been posted late because they were each short XXXX dollars. Each time I have an issue with them they promise to resolve it but never do, they have told me they would reverse late payments but then when I call to check on them they always say that it wo n't show up until the next month, and then they do not reverse the charge and the minimum amount is short all over again because when you do it over the phone they have to do a set amount like {$75.00} each month for one year. So each year you have to call to set up the payments all over again. If you ca n't trust the institution to figure out how much the minimum payment required is, who can you trust? I certainly would believe they know what they are doing, the average person would I am sure. The on line system shows my clear attempts to pay on my card for the past three years but not one entry shows it as being rejected leaving the unsuspecting customer in the negative! I finally went into a branch out of frustration and the manager at the bank first advised me that the BoA APP will not show the ebill payments so it would be impossible to know you are late or the payment did n't go in, ( what good is it ) secondly, when I showed the manager how it looks like the payments were made, she was surprised it showed up the way it did. Clearly even she was confused at the way it displays-After several phone calls to BoA Corporate, she came back and told be to click here, click there and then it took me to a page that instructed me to down load a form and sign it and take it back to a branch or mail it in for adding my bank to the ebill feature. So- not only did I not know about this form, in the three years of dealing with this, not one person told me about how to get to the page to get the form, or that I even needed to sign a form. I set up and pay using " auto pay '' on every single account I have and have never had to do this or had these problems. I thought merchants want to make it easy to pay but I am finding out that it is more profitable to have customers pay late or miss payments all together. I did not even know about the negative reports made to the credit bureaus until this latest incident because I was told the late payments would be reversed so why would they report it if it was going to be reversed? Then to top it off

Company_public_response:
 the credit bureau will only let you dispute one item at a time but I want to dispute every negative entry made by BoA

Company:
 I do not care how far back they go. I even have a savings account there so why would I want to pay late when I could just transfer it from one account to the next

State:
 and that is what I have been doing. I have had up to {$20000.00} in my account there but I keep the minimal there since I have had all these problems

ZIP_code:
 why would I want to keep my money there when they treat their customers the way they do. I have had so many people say they had similar issues. I have over XXXX friends on my facebook and if I do not get this resolved


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: UT
Subissue: 841XX
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:
 1. DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy| foreclosure| civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. '' This is what XXXX XXXX told me is one reason why my score is not good. Along with that I keep opening new accounts rather than stay with one company. I do not like that. I like having no APR for a year and I think I should not be penalized for opening new accounts with different banks when I pay them back.


Subproduct: Ocwen
Issue: NM
Subissue: 880XX
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:
I am desperately in need of a remedy from Ocwen 's predatory lending practices, and I know that I am not the only borrower who is having problems with this lender ( despite the class-action lawsuit ). Can you please help! Another class-action lawsuit should seriously be considered against this lender.


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: Wells Fargo & Company
State: CA
ZIP_code: 921XX
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 have been trying to Get Wells Fargo to stop a reoccurring charge on My checking account from a company in XXXX that I never authorized. The charge has been happing for 3 months in a row for {$50.00} and Wells Fargo is telling me there is nothing they can do and close the dispute ( twice ). I do not want this company sucking money from my account anymore!


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:
My credit account with capital one bank has been restrict because of fraud issue I spoke to many managers and nobody can resolve the problem. Had a three way conversation with my water bill so they can confirm that I 'm the right person. After verify ask me for more personal information. Sent and they told me that has been receive and have to wait 3 days after that when I call they keep saying that never receive anything. Bad service has capital one bank


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: VA
ZIP_code: 242XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
None of the XXXX companies would allow me to obtain my free credit report online through XXXX. XXXX and XXXX said 'unable to provide ', and Equifax flat out refused, claiming it is more secure for me to mail copies of my identifying information. Copies which could be used by a criminal to steal my identity.


Date_received: Furthermore
Complaint_ID: Yes
Product:
 I was preparing for my divorce trial in district court at which I had to appear and testify from XXXX XXXX until XXXX XXXX on XXXX XXXX


Date_received: Lastly
Product: as for the balance being paid in full
Complaint_ID: Yes
Subproduct:
 I was attempting to keep my account in good standing and was going through many personal and medical issues at the time and did not keep close watch on my personal business. It 's only because of finding an off-the-wall fraudulent charge 1 1/2 years ago that even prompted me to examine ALL my credit card accounts


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Nevada Credico, Inc.
State: TX
ZIP_code: 773XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We lived in XXXX XXXX in XXXX. We moved out in XXXX after giving 60 days noticed. We recieved a bill at our forwarding address for a unpaid electric and we paid the bill. In XXXX XXXX, more than a year after we moved out, the other lease holder, XXXX XXXX starting recieving calls that we owed the apartment complex {$3000.00} due to a broken lease. The lease was not broken and their records should show that our current lease was up. I still have record of the notice we sent in. Also, as we understand it, they are not allowed to charge us a debt unless we are given notice within 30 days, which we were not. They have our current address and our phone numbers, so it makes no sense why we received no notice until a year later and at this point have yet to receive any paperwork or an actual bill in regards to the debt. They had no right to charge us, especially without notice and now the debt is not only in collection, but I have been receiving calls about a lawsuit in an attempt to collect the debt.


Date_received: 04/20/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
ZIP_code: Nationstar Mortgage
Submitted_via: CA
Date_sent_to_company: 915XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/25/2016
Consumer_narrative:
Borrower suffers from XXXX and has been through a grueling process to try and keep his home. Now, he is in a short sale and we were able to obtain an all cash non-contingent offer at a price we believe is more than what the banks own BPO came in at. Nationstar has been made aware of the borrowers medical condition and how the stress of the process continues to affect him yet they have not responded to the offer stating the borrower has to list his home on their auction site and go through an auction process to " validate '' the sale to make sure they are receiving an offer that is in line with fair market values. We have asked the bank to provide us with a copy of their own BPO or to tell us what the BPO came in at and they will not. In addition

Company_public_response:
 strangers came to the property today and knocked on the door stating the property was listed online as going to auction today. When I called the bank

Company:
 the bank said they have not scheduled the online auction and did not provide a time frame. I have checked with foreclosure advocates and attorneys and a few of them had said that Nationstar has not made this a requirement for ALL borrowers and the fact that the borrower informed them in writing of his medical situation and his disagreement with having to be placed in an online auction should have been enough for Nationstar to provide him with an exception to the online auction like they have done for other borrowers."


Date_received: 04/19/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Complaint_ID: 04/25/2016
Consumer_narrative:
I completed and submitted a loan modification package to Ocwen on XXXX XXXX, XXXX. On a follow-up call on XXXX XXXX, I was informed that the XXXX tax return that I submitted was not signed on page XXXX. I less than 1 hour, I sent a signed page XXXX in a pdf document via email, as I was specifically instructed to do. I also followed up to make sure that the document was received. I was told that the review would only take a few days, and would be complete well in advance of the schedule foreclosure sale on XXXX XXXX. I called back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told each time that the modification package was complete and being reviewed by underwriting ( and that I should have an answer in a few days ). I called again on XX/XX/XXXX and was told that underwriting was still waiting on the signed document - obviously meaning that it was not under review. After some research, the representative acknowledged that I HAD sent the document in question, and that underwriting did not understand why I had only sent page XXXX. He said that he would contact underwriting and explain the problem. I asked about whether or not the sale on XXXX XXXX would be postponed, and he said that it could not. I asked what would happen if the review was not complete, and he said " that would be a problem ''. I contacted the department of the Ombudsman on XX/XX/XXXX and spoke to a rep named XX/XX/XXXX. She indicated that underwriting STILL believed that they did not have a complete package


Product: and many times completely inaccurate information. Aside from the moral obligation
Subissue: Ocwen
Consumer_narrative: TN
Company_public_response: 381XX
State: Consent provided
ZIP_code: Web
Submitted_via: 04/19/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: No
Complaint_ID: 04/25/2016
Date_received:
This process has been on-going for more than 6 months. Ocwen reps seem unwilling or unable to answer basic questions or explain correctly how the process works. I get contradictory

Subproduct:
 it is my understanding that Ocwen has a settlement in which they agreed to specific actions and procedures that they have not followed."


Subproduct: Encore Capital Group
Issue: GA
Subissue: 303XX
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:
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court and could receive {$1000.00} for the incident plus damages, which I plan to do if this matter is nor resolved. This company had been involved in multiple class action lawsuit suits in regards to buying junk debt and harassing innocent people.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Monterey Financial Services, Inc.
State: CA
ZIP_code: 948XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They called my phone several times. I dont have an income I dont work, I am on medicine. I lost unemployment, I am about to loose my apt , because lack of income. I am not receiving food stamps. They called me saying that they are investigator and they coming tov My house. They said they reporting me to authorities. I told them to stop calling harassing me. I dont have anything.


Date_received: 05/04/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 937XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX 2016 two payment were made from my account # XXXX for {$60.00} # XXXX for {$100.00} I had a deposits that day that covered all the payment I made. I did some shopping. Leaving my balance at {$29.00}. On XXXX XXXX a payment went out for {$54.00} leaving me with a negative balance. Not a big deal seeing home I had XXXX direct deposit getting ready to go through. At XXXX I checked my balance it was over {$900.00} showing both my deposits and no over draft fees. The chase employees have always told me that as long as the deposit is in the account prior to XXXX there would be no over draft fees. At XXXX the account showed everything going through fine. The next day they hit me with XXXX overdraft fees totally {$100.00} dollars. XXXX of the items causing the overdrafts were items that has went through days prior at which time they went through the amount was deducted from my account at that time. And the balance in my account reflected those deductions days prior. After going through all my transactions I learned that the actual over drafted amount of {$54.00} dollars that I was worried about causing a fee went through fine no overdraft fee. Instead they shuffled my purchased using my previous balance before the deposit on XXXX XXXX. They used the biggest transaction I made on XX/XX/XXXX to put my account in the negative the then shuffled my transaction that had clear days prior to negative transactions and charged overdraft fees. Chase bank manipulated my transactions to benefit then and to drain my account.


Date_received: 03/16/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Seterus, Inc.
State: CA
ZIP_code: 925XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
After resolving case # XXXX, Seterus has started sending statements that do not reflect the current balance, but a future balance, which include late fees if not paid by a date that is more than XXXX ahead. I have lost confidence in this loan servicing company and do not feel I should have to refinance to get away for them. I am requesting your assistance is getting away from this loan servicer due to their failure to provide fair and courteous service to someone who has an excellent payment history. This company is a collection agency and is acting as if our account is in collections. We should not have to feel that we are under a microscope by the way this company does business. They should not be allowed to act as if you are late, before you are late. The payment was made on XXXX/XXXX/2016, prior to the statement date.


Complaint_ID: Yes
Date_received:
American Express may perhaps calculate that such consumers likely assume and rely upon the timely posting of all charges. After all, they can see their normal, everyday charges " ring up '' immediately


Date_received: Such customers trust in the competence
Product: reliability and accountability of American Express
Issue: approved by American Express
Subissue: would be registered
Consumer_narrative: accounted
Company_public_response: and posted in a timely fashion
Complaint_ID: Yes
Subproduct:
 a premier consumer-financing corporation. Such customers may likely assume that American Express would keep accurate and up-to-date accounts of consumers ' expenditures with their American Express card. Such customers may understandably assume that their charges


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: NJ
Subissue: 088XX
Company_public_response: Consent provided
Company: Web
State: 03/26/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Original Amount Unknown High Balance Missing Recent Balance Missing Recent Payment Missing CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: SC
Subissue: 290XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 03/26/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX XXXX I XXXX I would like you to review this collections status, original amount and balance. I think it 's not XXXX % accurate and remove this collection immediately from my credit report.


Date_received: 04/14/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: CA
ZIP_code: 928XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have the same released CA state tax lien reporting on my Equifax and XXXX reports twice. The tax lien was filed in XXXX different counties, apparently, the one I reside in and the county of the XXXX, so it is showing up as XXXX separate liens. Which obviously creates XXXX separate public records on my reports. XXXX was the only one that removed XXXX of them, while the other XXXX just sent back a standard letter saying they were both reporting correctly. I do n't know how to send proof that it 's the same XXXX, although you can see that they were both filed and released the same day and the dollar amount is the same. When I contacted the state of CA, they confirmed that there was just XXXX lien and to ask the credit bureaus to remove it, they could do nothing on their end. The tax lien to begin with was part of our bankruptcy discharge, and it was discharged because of the nature of the tax, but CA state tax board refused to acknowledge it, so I had to just pay it. I have more than once disputed the tax liens, the case number I provided was just XXXX that I have.


Date_received: 05/03/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NY
ZIP_code: 136XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XX/XX/XXXX received my credit report from report number XXXX Experian company XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX phone number XXXX XXXX XXXX acct no XXXX address identification number XXXX what is wrong is they are saying we went bankrupt chapter XXXX on XXXX XXXX XXXX which it should say XXXX XXXX XXXX and then it says the loan was modified which the terms are susppose to stay the same it was transferred from XXXX status they are saying we are past due {$3200.00} as of XXXX XXXX this is wrong we have proof of all payments. We have one payment behind of {$1000.00} not our false XXXX gave us a modification in XXXX and they took it away because they said we filed bankruptcy and so we paid {$800.00} because they did not tell us because they claim they could not communicate with us. So we have been catching up by paying {$1200.00} and what ever extra money we can pay. For 5 years been trying to get caught up during our chapter XXXX bankruptcy so now we are dealing with XXXX since XXXX XXXX XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00} carried over from XXXX unapplied funds {$840.00} our regular mortgaged payment is {$1000.00} so we carry over {$100.00} x XXXX = {$400.00} Which brings the total in unapplied funds {$1200.00} enough for a payment that we are behind on plus XXXX paid one we were behind on to which leaves only one payment left there saying we are behind three payments of {$3200.00} this is not accurate and I talked to XXXX XXXX XXXX XXXX and XXXX and they said I am wrong and this is accurate I want something done please


Date_received: 04/14/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company_public_response: AND BASED ON OUR ELIGIBILITY FACTORS
Company: YOU 'VE EARNED THIS SPECIAL INVITATION FROM DISCOVER PERSONAL LOANS
State: '' I DECIDED TO APPLY. I ASSUMED
ZIP_code: SINCE MY XXXX SCORE APPEARS ON MY MONTHLY DISCOVER CREDIT CARD STATEMENT
Submitted_via: THEY HAD ALREADY FACTORED MY CREDIT SCORE INTO OFFERING ME "" THIS SPECIAL INVITATION. '' SURPRISE
Date_sent_to_company: SURPRISE! UPON APPLYING BY TELEPHONE FOR THIS CONSOLIDATION LOAN
Company_response: I WAS INFORMED I DID NOT HAVE A HIGH ENOUGH CREDIT SCORE TO QUALIFY. IN SUMMARY
Timely_response: I 'M MAD FOR TWO REASONS. FIRST
Consumer_disputed: BEING AWARE OF MY CREDIT SCORE
Complaint_ID: DISCOVER BANK SHOULD NOT HAVE TEMPTED ME TO EVEN APPLY FOR THIS DECEPTIVE OFFER. SECONDLY
Consumer_narrative:
I BELIEVE I AM A VICTIM OF DECEPTIVE ADVERTISING. DISCOVER BANK SENT ME AN ADVERTISEMENT ASKING ME TO APPLY FOR A DEBT CONSOLIDATION LOAN. BECAUSE MY CREDIT IS N'T GREAT, I INITIALLY HESITATED APPLYING BECAUSE I KNEW CREDIT CHECKS FURTHER DAMAGE ONE 'S CREDIT SCORE. FINALLY, BASED ON THE SOLICITATION 'S " YOU ARE A VALUED DISCOVER CARDMEMBER


Date_received: 04/20/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Kross, Lieberman & Stone, Inc.
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Received notice of unpaid debt to XXXX NC on XXXX XXXX. XXXX was paid by check on XXXX XXXX, cleared XXXX XXXX. I have asked by letter the collection agency to verify the debt, they have not done so and have continued to call and write me, despite my letter requesting verification.


Date_received: 04/26/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Exeter Finance Corp
State: NH
ZIP_code: 037XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/2015 Exeter Finance XXXX XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent.


Date_received: 05/03/2016
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: International Computer Systems, Inc.
State: IL
ZIP_code: 626XX
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:
My brother passed away & his mail was forwarded to me. Collection agency ( admittedly ) cross-referenced his name with my address and put one of his debts on my credit report as a collection. I demanded that they remove it, but it is still there as a 'past ' collection. I reported it to the IL AG and she has n't heard anything.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: CA
Subissue: 926XX
Company_public_response: Consent provided
Company: Web
State: 03/18/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Please help us. My counselor has tried very hard to help me get through this but we keep hitting a roadblock. I give my formal consent for Wells Fargo to speak with XXXX XXXX or XXXX XXXX at XXXX XXXX XXXX regarding this matter, I am attaching it in writing also as well as my ENTIRE packet of documents that were ever submitted to Wells Fargo. Thank you.


Date_received: 05/02/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: The CBE Group, Inc.
State: PA
ZIP_code: 190XX
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 paid off a debt item in early XXXX 2016. I was told my credit report would be updated at the end of the month to reflect the credit was paid in full at that time. I had my report pulled a couple days ago and the item is still showing that I owe the full amount.


Date_received: Furthermore
Complaint_ID: Yes
Product:
 I was preparing for my divorce trial in district court at which I had to appear and testify from XXXX until XXXX on XXXX XXXX


Date_received: Please find attached a receipt for a furniture purchase delivered to XXXX XXXX XXXX
Product: XXXX XXXX which is XXXX XXXX on XXXX XXXX
Subproduct: XXXX
Complaint_ID: Yes
Issue:
 on a third credit card that this individual stole. Unfortunately XXXX XXXX Furnishings no longer exists. However


Date_received: 05/03/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: JPMorgan Chase & Co.
State: TX
ZIP_code: 782XX
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 have been banking with Chase Business services for some time and thought I understood how they work in processing transactions. To my surprise, over the weekend I received XXXX non-sufficient fund fees for a withdrawal they said I had funds to make. Their systems are usually very accurate, but this resulted in another XXXX non-sufficient fund fees for a total of {$350.00}. So, the first internal transfer between Chase accounts said I had funds and then it said I had funds for XXXX additional transfers of {$20.00}, {$20.00} and {$35.00}. So I paid a {$35.00} transaction for a {$20.00} transfer, another {$35.00} fee for the second {$20.00} transfer and another {$35.00} fee for a {$35.00} transfer. This is the equivalent of paying 100 % interest for one day or annualized at 36,500 % interest. Their representatives could n't explain why this happened according to their time stamps. So, they guessed on what could have caused it. I spoke with a representative at Chase and a manager, then asked to speak with the supervisor of the manager who said they were not available and would call me back.


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: IL
ZIP_code: 600XX
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:
we have been trying to refiance since last XXXX.we sent in everything that they requested from us, now today I get a letter stating that since I have not been late with my payment of which is XXXX every month at XXXX interest rate that I do n't gualify we liveon a fixed income of pension from my husband and social security for XXXX us besides we have XXXX mortgage the second is XXXX so I pay every month XXXX every month besides our every month bills all I want is to reduce our interest so we can survive a little better we ca n't get help from harp and XXXX act of which I do n't understand why please can you help us XXXX.


Date_received: 05/08/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Multiple hard inquiries on my credit report for a XXXX account that is lowering my score. Have disputed numerous times and can not get removed. I did not authorize these multiple inquiries. I do not have a XXXX account.


Date_received: 04/28/2016
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: Media Collections, Inc
State: IL
ZIP_code: 625XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Continued calls from this company to me for a debt that does not belong to me. They continue to contact other people in the company I work for causing damage to my reputation and causing personal embarrassment. They have been told numerous times I am not responsible for this debt and the person they are looking for is not employed by the company I work for.


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 discharged in bankruptcy
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: ERC
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I recently accessed my credit reports as i have been experiencing suspicious calls regarding accounts that I have not applied for and found this account that does not belong to me Since 2012 accounts have been opened fraudulently using my social security card and driving license which were compromised in 2012.


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 this account was listed on each of 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 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."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: AR
Subissue: 727XX
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 would like this collection report removed from all of my credit reports since it was the result of a 2 month later billing and a lack of due diligence on the part of the medical provider.


Date_received: 04/29/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: Prestige Financial Services, Inc.
State: IL
ZIP_code: 601XX
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 financed a new vehicle in 2012, while having a job of 44 years. I became XXXX and are now receiving SS benefits. With being on a fixed income, medications such as XXXX XXXX and doctor bills, then regular cost of living, housing, etc these very high monthly payments are a struggle. All I 'm asking is to lower my monthly payments, so I have a vehicle for doctors appts, grcery store, church, etc. My finance company refuses to help me.


Date_received: 04/26/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: I just opened a new credit card account in XXXX with XXXX XXXX
Company_response: each time a debt is assigned or sold to a new collection agency or law firm
Timely_response: that agency must advise me
Consumer_disputed: very specifically
Consumer_narrative:
There is a collection account on my credit report from Cavalry Portfolio Services. It says they are reporting it every single month, which is just another means of harassment to get someone to pay. I have never even taken out a credit card with XXXX XXXX in the amount of {$440.00}. They are also reporting this as late, but I do n't even know how it 's possible to be late on a supposed collection account. I do n't have a contract with them. In fact, on their very own " validation '' it says previous arrangements are not applicable. There 's nothing to be late on. I 've never even been contacted by them. I 've never been contacted by XXXX XXXX about this account either. In fact

Company:
 but Cavalry just keeps reporting this collection item and on top of it report it as late every month. I called Cavalry again on XXXX/XXXX/16 at XXXX and requested validation of this debt. I was told that they do not own the debt and that they are not reporting

State:
 which again then should n't be on my credit report because it says being reported by Cavalry every single month for YEARS. Cavalry told me that XXXX XXXX owns this account and gave me their number. XXXX told me that they are owned by Cavalry and Cavalry is the one reporting this. I called Cavalry back again at XXXX and I again was told that there 's nothing that they can do and they are n't the ones reporting this although it 's on all three credit reports as such. I called XXXX XXXX back yet again and asked again about validation. I told them that if it is somehow indeed a valid debt that I would pay them

ZIP_code:
 but they just told me that I should just know if a debt is mine or not and if they send me validation that it will just say that I owe {$440.00} and pressured me to just pay them over the phone and when I requested validation yet again they got gruff and hung up. A month and three days later ( today ) I called XXXX back to ask about my alleged account and spoke with XXXX XXXX at XXXX and she told me that after I asked for validation on XXXX

Submitted_via:
 Cavalry recalled the debt the very next day. They are simply trying to hide that they never even owned this debt while they were reporting it

Date_sent_to_company:
 incorrectly reported and are shuffling this back and forth so that I ca n't do anything about it. Cavalry and their subsidiary ( if they even are a subsidiary! ) are just giving me the run around and it 's unethical and this needs to be deleted from my credit reports. Furthermore

Complaint_ID:
 that I have a right to dispute the debt and request verification of the debt. I requested validation of my own volition numerous times and I have NEVER received a right to dispute.This notice is required pursuant to 15 U.S.C. 1692g of the Federal Fair Debt Collection Practices Act ( FDCPA )."


Date_received: 04/18/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company_public_response: what would it show!! This is identity theft at a whole new level. I have documentation ( date
Company: time and name - It is too lengthy to list her. I want this nightmare to be over!"
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Barclays PLC
Submitted_via: MA
Date_sent_to_company: 026XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/18/2016
Consumer_narrative:
I have a business credit card from my employer. We were migrated over from XXXX XXXX to Barclay by XXXX. On XXXX XXXX, 2016 I called to activate my card. My boss ( doctor ) the Primary Account Holder had a difficult time activating his because they have my social security number and date of birth listed as the primary account holder. I have been told that both cards are in my name and I am listed as the primary account holder and am financial responsible. I called immediately to correct this error. I faxed over requested information immediately. I did not receive a response. At first I attempted to resolve this by calling Barclay and speaking with a supervisor, after numerous calls and not being able to speak to anyone that could help me and begging the supervisors to escalate my call and put me in touch with " someone higher up '' I resorted to social media. After posting on Barclay 's XXXX page XXXX from the Social Medial Team reached out to help. I informed her I would need to speak to someone higher up. I finally contacted XXXX to complain and was contacted by someone from the Executive Office of Barclay Card ( name available if needed ). It has been 4 weeks since this nightmare started. I have spent at least 6 hours on the phone trying to correct their issue. As of today I was told that they finally have the doctor listed as the primary account holder but unfortunately they still have my social security number and date of birth under under his card. If I credit report was pulled for me today


Date_received: 05/10/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
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 applied for a mortgage loan with XXXX and XXXX XXXX. I have been rejected by both companies because they state Equifax has a credit freeze in my credit report. I called Equifax to find out why just to be given the run around. I have faxed my Drivers License and Social Security card to them twice. The 2nd time, I was sure to get a confirmation so they could n't tell me again they did n't receive it but that is exactly what happened today. They are refusing to give me any information as to why they have a freeze on my account and upon me stating I never asked for this freeze, they still will not release it. I have offered to email my drivers license and social security card to them since they lose every fax I send them but they will not allow me to do this. Today I asked to speak to a supervisor but the girl I spoke to denied transferring me to a supervisor even after I held on the phone for XXXX minutes. She said her supervisor would n't allow it


Date_received: 05/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company: and I always answer the correct amount of years
Submitted_via: but I do know that I have been looking for a job for the past 6 *months*
Date_sent_to_company: and as I have no black marks from my previous jobs
Company_response: no felonies nor misdemeanors nor even a parking ticket
Timely_response: I can only assume it is due to this fake address somehow in my Consumer Report."
Complaint_ID: First Advantage Corporation
Consumer_narrative:
In the last XXXX job applications I asked to be sent a copy of my Consumer Report and both included, in the XXXX and the Felony Including Misdemeanor sections, a " Previous Address '' which I 've never lived at. My current address is correct

Company_public_response:
 which I 've lived in since XX/XX/2001. Most job applications ask how long I 've been at my current address

State:
 but if my 'Consumer Report ' says I 've lived somewhere I 've never been and I do n't even know *when* it says I 've lived there

ZIP_code:
 the places I am applying to may see this as me lying on my job application and thus not give me a job. I do not know how long this has been in my 'file '


Date_received: 05/03/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Charged fees or interest I didn't expect
Subissue: Charged fees or interest I didn't expect
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Solutions To Portfolios, LLC
State: CA
ZIP_code: 907XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The charges went for {$160.00} to {$390.00} ... Keeps calling me at work when I told them to just call me on my cellphone. Rude on the phone. XXXX XXXX said I have never spoken to her before but I remember that she was the one that I set up payments with a couple weeks ago. They claimed that they didnt have my cell phone number but i knew that was impossible because XXXX XXXX called me and left a voicemail.


Date_received: 04/22/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Consumer_narrative: I desired to have a " work at home '' business. So
Company_public_response: I formed a lot of accounts with companies on the internet
Company: ( most of which were at the "" free '' level of the services ). Then
State: because I do n't know how to budget my money like a professional
ZIP_code: I got into debt and had to go to XXXX. Now
Submitted_via: about a few years later
Timely_response: ( which is JP Morgan Chase bank )
Date_sent_to_company:
 I am still receiving many emails with claims from companies who claim that I used their services without paying them

Company_response:
 even though I never really used their services for anything. I sent a complaint to XXXX and they are trying right now to assign me with a knowledgeable attorney. The idea is to write a letter to the bank

Consumer_disputed:
 that I want to remove my authorization permanently from scams that have been perpetrated on my debit and credit cards."


Date_received: 04/15/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: FL
ZIP_code: 330XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Macy 's fraud department contacted me in XXXX to verify certain suspicious online purchases made using my Macy 's credit card information. I disputed the purchases and subsequently submitted a written statement to the fraud department. The investigation is ongoing. Nevertheless, Macy 's submitted delinquent payment information to the credit bureaus.


Date_received: 05/02/2016
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: Company believes complaint is the result of an isolated error
Company: Fidelis Recovery Management, LLC
State: MD
ZIP_code: 208XX
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 spoke to XXXX from Fidelis Recovery Management ( XXXX ) XXXX/XXXX/16 XXXX about a past due balance on an old MasterCard we came to a settlement amount of {$510.00} that would be made in 3 payments via debit card I made the first payment over the phone on XXXX/XXXX/16 the following dates we agreed on for the next two payments were XXXX/XXXX/16 and XXXX/XXXX/16 to close the account. On XXXX/XXXX/16 an unauthorized payment went through my account for {$170.00} I called XXXX and requested the funds be returned asap as I had a check for my electric bill that would post to my account anyday she replied that she was going to get fired for running the payment on the wrong date and asked if she could keep the money. I told her losing her job is not my concern as we agreed on the dates of XX/XX/XXXX and XX/XX/XXXX she said she would call her manager and call me back in the afternoon. I did not get a call from her that afternoon. I called the next day she said they are still trying to figure out how to get my money back it is now XXXX/XXXX/16 and I have not heard back from the company or received my funds back.


Date_received: 05/06/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: WV
ZIP_code: 254XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX Bank reported I was 60 days late for the past two months and when I called they said I was n't, so I needed to contact the credit companies and dispute them


Date_received: So
Product: I am left with XXXX bank statement
Issue: never giving up
Subissue: I finally received a call telling me I could select
Consumer_narrative: from the statements they sent
Company_public_response: A FEW
Company: checks I would like to see the check fronts. Now
State: after XXXX years later
Complaint_ID: Yes
Subproduct:
 but determined to know how much she stole from his accounts to justify B of A to such extremes to block my access

ZIP_code:
 just in the last 3 months of his life there were XXXX - {$500.00} ATM withdrawals and at least another XXXX in forged checks. In order to have absolute proof my brother could not have written these checks

Submitted_via:
 I had to compare his medical records to withdrawel dates and check forgery dates. I simply had to stop with just looking at 3 months and not the full 6 months. This was a task no one should be faced with


Date_received: 04/08/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Making/receiving payments, sending money
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: FirstBank
State: AZ
ZIP_code: 853XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
First Bank refused to give back or honor my Promissory Note created in accordance with XXXX, Federal Reserve Act section 13, 31 U.S.Code 5103, 18 U.S.XXXX 8. This dishonor is covered by XXXX XXXX. The Note was supposed to go to XXXX XXXX it was dropped there by mistake.


Date_received: 04/28/2016
Product: Bank account or service
Subproduct: (CD) Certificate of deposit
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: IBERIABANK
State: AR
ZIP_code: 725XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I closed out a certificate of deposit at IberiaBank. They mailed me a check for {$30000.00} and did not send it by certified mail. They sent it by first class mail. The check never arrived. It has been 30 days. They do not want to issue another check for 90 days. I do not believe they will ever issue a new check. Why am I supposed to believe someone who uses the excuse, " The check is in the mail! ""?"


Date_received: 05/02/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
State: Wellsfargo
ZIP_code: has refused to take steps to protect me as a consumer and this is the reason for this complaint."
Submitted_via: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date_sent_to_company: Wells Fargo & Company
Company_response: TX
Timely_response: 786XX
Complaint_ID: Consent provided
Consumer_narrative:
On this day, XXXX XXXX 2016, I called Wellsfargo to close out my last checking account. After calling the bank in request to close the account. I noticed after 10 minutes that my account ( s ) were still open and accessible online. The account balance is {$0.00} with no balance owed. However under Transactions I show : " PAYOFF DEBIT

Company_public_response:
 NON-INTEREST WITHOUT FEE ''. When I called wellsfargo back to have the online account access deleted/cancelled/removed and ask for a cancel/closed account receipt ; the bank refused to assist. The bank customer service transfer me to a supervisor by the name of : "" XXXX XXXX '' who repeated that the bank would n't assist with sending me a cancel/closed account receipt via email

Company:
 fax or USMAIL. I informed her that this is the reason why I 'm leaving Wellsfargo. ( This request is reasonable and is doable in the branch. ) I informed her that I would be filing a complaint as nothing I 'm request is unreasonable. I 'm trying to protect my identity the bank


Date_received: 04/14/2016
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: AL
ZIP_code: 352XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Was yelled at on XXXX XXXX by customer service, called a liar, and they told me my account had been delinquent 120 days over 100 times which is a complete LIE. I had XX/XX/XXXX payments that had cleared my bank and still not posted in their accounting system and they were telling me I was giving them inaccurate payment info and that I had not paid on my account when the payments cleared ... I even sent a letter where the payments cleared my bank. They call MULTIPLE times during work hours to a cell phone at work after explicitly telling them not to call that number. They still call. My account has only been 30 days late on a 17 year old account and they treat me like I am a criminal. This company is so much worse then Greentree ever was. I hate these rude XXXX people. Worst company on the planet.


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Dear Equifax Information Services LLC : This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me higher interest rates and I have enough expenses as it is. Can you please investigate the following information and either remove it or at least send me the information that you used to add it to my report. XXXX XXXX/XXXX/XXXX Find out the exact date, because I think the XXXX shown is not quite accurate. Refresh my mind on this data and verify or delete this entry form my credit report. XXXX XXXX Verify the remarks, payment status, history dates, and high credit. Check it and repair accordingly. XXXX XXXX I want a verification in the status, monthly payment, XXXX payment history and credit limit because is difficult for me validate. Corroborate if is possible make any corrections or delete. XXXX XXXX Rectify the high balance, limit, comments, account status, and payment history. I have doubt that must be clarified so if you may please check the data and possibly correct them. XXXX XXXX Review this data like the status, comments, payment history, and high credit because I feel there have some errors. Verify and repair or delete. XXXX XXXX I contemplate in some context on this account might bring possible errors.I believe the pay status, comments, account status, and high balance are having a great effect examine and repair or end the reporting. INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address should be accurate and current. Refer to my attached documents so the proper corrections are made and delete the following from my personal credit file. INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address should be update, correct, and accurate. Refresh and take away the following from my credit report : Incorrect Name XXXX XXXX XXXX am confuse how you are provide my name on my personal credit report. Please verify into this have it corrected and delete the following : XXXX XXXX XXXX XXXX/XXXX/XXXX Verify the company name, date shown, and if this was authorized properly. Afterwards remove it from my credit file since the data might be erroneous.


Date_received: 05/10/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Company_public_response: not because the financial assistance program was n't being followed
Submitted_via: Navient Solutions, Inc.
Date_sent_to_company: CA
Company_response: 907XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
I was set up on a financial assistance program in XXXX due to financial hardships due to changing jobs. I then found out that I was canceled due to the representative setting my payments up as an ACH transaction as opposed to a purchase. I received numerous collection calls after this was set up and this was the only way I knew that my account was changed from a positive to negative standing. I then called and spoke to a supervisor to get this set up again in XXXX. I come to find out today, 5-10, that I was cancelled per a rep. named XXXX. XXXX told me that " the head manager '' declined me

Company:
 but because Navient changed their mind in determining my repayment ability. I asked XXXX for an email with some specifics so that I could later call back and speak to a manager but he said that "" he was the one who dictated what could be communicated '' and what I wanted was not available in any form. XXXX was rude

State:
 intimidating and not helpful. I already paid money to Navient yet do not know what my account status is. I am very worried and concerned that my credit will be affected. I need help."


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Focus Holding Company
Issue: CA
Subissue: 921XX
Consumer_narrative: Servicemember
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: Web
Date_received:
This debt ( s ) is not, and never has been mine. I know nothing about it other than what I see on my credit report. However, now it is directly affecting my credit rating, and worse, it may potentially affect my security clearance and therefore my prospects for future employment.


Date_received: 04/27/2016
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: Wells Fargo & Company
State: GA
ZIP_code: 309XX
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 been a Dillards Credit Card holder for over 10 years. I took responsibilty of paying my bills and setup for automatic payments to prevent late payments. Last year, they decided to change their banking company to WellsFargo. I had to jump all sorts of hoops to sign up for the new payments. Unknowingly, when Dillards would call about my payment being a day late I would immediately pay over the phone and was told by the representative to resign back up with the online payment center. This happened at least 3 times. While I was believing that my payments were finally going through because I setup automatic payments again by taking step by step directions from a representative. To end the story, a final and fourth representative told me every time I signed up, it was taking two billing cycles to activate. So the 2 month cycle wait kept restarting and the horror would not stop. Meanwhile, they stated I was {$7.00} dollars past due and now it was on my credit report for XX/XX/2015. I would normally send Dillards big monthly payments and would not let {$7.00} slip up. I would like to have this negative remark removed because Dillards and myself was going through a transition and I was honestly trying to do the right thing.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: BWW Law Group, LLC
Issue: MD
Subissue: 210XX
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
 Disrupting the livelihoods of so many dedicated and hardworking people is extremely painful| but the loss of so much business left us no choice but to file these notices| '' said XXXX XXXX in a statement issued on Monday. A firm spokesman said it would have no further comment beyond the release. 
XXXX XXXX and his colleagues have come under fire for their foreclosure-related legal work. They are one of numerous firms across the country that represent banks and services in trying to foreclose on the millions of homeowners who have defaulted on their loans. Some of these firms ' aggressive| and| in some cases| duplicitous practices| have earned them the moniker " foreclosure mills. '' The XXXX firm 's tactics| which included the " robo-signing '' of documents| has been among the most criticized. Last year| a state court judge in XXXX called XXXX foreclosure filing from the XXXX firm " incredible| outrageous| ludicrous and disingenuous. '' Last month| the firm struck a settlement with the United States attorney 's office in XXXX| which had been investigating the XXXX firm and whether| on behalf of its lender clients| it filed misleading legal papers to expedite foreclosures. The firm agreed to pay a XXXX penalty and vowed change its practices to resolve the case. 
 In mortgage foreclosure proceedings| there are no excuses for sloppy practices that could lead to someone mistakenly losing their home| '' XXXX XXXX XXXX| the United States attorney in XXXX| said in a statement at the time of the settlement. " Homeowners facing foreclosure can not afford to have faulty paperwork or inadequate evidence submitted| and today 's agreement will help minimize that risk. '' But despite its settlement with the federal government| the firm 's fortunes worsened this month after XXXX published photos of a XXXX party at the XXXX firm showing employees wearing costumes mocking people who had lost their homes. 

After those photos surfaced| the mortgage giants XXXX XXXX and XXXX cut off the XXXX firm| forbidding servicers of their mortgages from using XXXX XXXX and his colleagues. That effectively served as the firm 's death knell. 

On Saturday| XXXX XXXX| XXXX XXXX columnist who originally wrote about the firm 's XXXX party| published another column about the controversy. In it| he quoted an e-mail that XXXX XXXX had sent him last week. 
 XXXX XXXX -- You have destroyed everything and everyone related to XXXX XXXX XXXX XXXX| '' said the letter. " It took 40 years to build this firm and three weeks to tear down. '' " I think that 's what they call shooting the messenger| '' XXXX XXXX wrote.


Date_received: 04/28/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Company: SIMM Associates, Inc.
State: TX
ZIP_code: 760XX
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 ' am writing to complain about Simm Associate Inc Referance number XXXX and XXXX. This collection agency engaged in the following unfair and abusive collection practices specifically prohibited by the Fair Debt Collection Practices Act, 15 USC 1692. I received two calls on XXXX XXXX, 2016 at XXXX XXXX and XXXX XXXX from XXXX XXXX to inform me she contact my employee and verified I was an employee. She advised me the call was record on both calls. She did not verify my information on both of the calls. She made repeated and continuous calls to my cell phone and my place of employment. I also received an anonymous 3rd call on XXXX XXXX, 2016, but I hung up on her, after she stated her name. The calls were harassing and she misrepresented her self. The first call she stated she was with a law offices. 2nd call she stated there was no attorney working in the office. I tried to explain to her over and over that I did not signed for the debt she is collecting for she repeatedly talked over me. During the call she tried to me she had discovered information from my POE that could be used against me or valued to collect debt. During the call I also advised her to contact my attorney regarding bankruptcy. I was informed that the private student loan was covered under my bankruptcies. The 3rd time I spoke to XXXX XXXX I called the office to advise her that I was disputing the account and to send validation of debt. I called back 3 times to request an supervisor. The first time she hung up on me after I advised her who I was. The 2nd time I spoke with a gentleman he hung up me and I heard them and the background talking stating not to talk to me. 3rd time she hung up on me. These calls was made XXXX XXXX central time. Final call I spoke XXXX XXXX supervisor and advised him of the calls.


Date_received: 05/20/2016
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: Freedom Mortgage
State: NY
ZIP_code: 128XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
For XX/XX/XXXX my lender said I had an escrow shortage of XXXX for this year up to XXXX XXXX, I paid the shortage amount. Now the lender says I have a shortage XX/XX/XXXX of XXXX which is from XXXX XXXX till XXXX XXXX. There are no increases in homeowners or Taxes however they are lowering my escrow amount because of my PMI reducing. Now if I pay the shortage it will lower my monthly payment but we will have more shortage down the road. Why is my loan being paid off but my escrow is a higher payment.


Subproduct: Trident Asset Management, L.L.C.
Issue: TN
Subissue: 381XX
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:
On XXXX XXXX, I sent a certified debt validation letter requesting this company provide me with proof of the debt that they are trying to collect. It 's been 30 days and they refuse to send me any information that proves to me that there is a legitimate delinquent debt that I owe to them. They are negatively impacting my credit report with inaccurate information and I was n't given the opportunity to dispute the information.


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:
My friend add me As join account to his credit card but they restrict the account because of the fraud issue after summit all my information and validate my information gave me hard time in customer service because they never receive anything and always speak to someone who is out the country and have no idea about law in this country.


Subproduct: State Farm Bank
Issue: OH
Subissue: 454XX
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I contacted the claims office and they notified me that under my policy, this was correct. If I had hit a deer, dog, or other animial, it would have been {$50.00} but because I hit XXXX at no fault of my own, I had to pay out {$250.00}. I was lied to and misled by XXXX and the people I pay each month to know my insurance policies inside and out.


Date_received: 05/10/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Shopping for a loan or lease
Company: JPMorgan Chase & Co.
State: IL
ZIP_code: 622XX
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 went into XXXX XXXX on XXXX/XXXX/XXXX to test drive a XXXX Mazda 3, the dealership never disclose their relationship with Chase Bank. The dealership was in a rush to sell me a car. The salesperson XXXX XXXX called me everyday for about 2 weeks. I spoke with XXXX from Chase and she told me the dealership was suppose to tell me that I would have XXXX inquiries instead of XXXX. I wanted to get my private student loans consolidated but due to number of inquiries by this dealership, I ca n't do anything. This is unfair to me. The finance XXXX from XXXX never disclosed that it was a part of Chase. I am client of XXXX XXXX XXXX and they advised the dealership should have told me that. I had XXXX inquiries from XXXX, it also affected my credit score. I also sent over the inquiries to the general XXXX, XXXX XXXX as proof. I do n't think its fair because I really need to consolidate my private loans to get a good rate. XXXX misled me because they did not disclose all of the information to me. I was told by XXXX XXXX Firm where I am a client that XXXX inquiries is too many and will affect my credit for 1 year and the entries will not be removed until XXXX XXXX. This is causing me a hardship. Why did n't the dealership tell me about the relationship between XXXX and Chase. Like I advise before I did have a recorded conservation with XXXX telling me that the dealership should have told me this information. I was sent a copy of my permission to have my credit pulled but I never received an answer as to why my credit was pulled XXXX times and I was never told about it plus I was never told the actual loan was approved by Chase. I was misled by XXXX, I also have proof that XXXX XXXX, sales consultant for XXXX called me everyday for XXXX weeks ( I have a copy of my phone records ). I will continue to complain until this resolved, I have XXXX inquiries on my credit report. This is unfair.


Date_received: 04/29/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Santander Consumer USA Holdings Inc
State: CT
ZIP_code: 060XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XX/XX/XXXX my brother and I purchased a car which we financed through XXXX XXXX. The loan is in both our names and reports on both of our credit reports. Sometime between XX/XX/XXXX and XX/XX/XXXX, we were the victims of identity theft and embezzlement which resulted in our sustaining a major financial loss but also some of our bills not being paid as a result of the person embezzling our funds was not paying our bills. It came to our attention that in order to succeed in this scheme to defraud, the person in question caused to be faxed and or mailed various documents to creditors such as Chrysler Financial which was supposed to give them permission to speak with this person and to make any changes on our account. Chrysler without any care or due diligence accepted letters from this person as well as telephone calls where he said he was us and further made changes to the account resulting in not only the account not being paid but in my brother and me not being notified about any delinquency on the account. This went on for a long time and it was only because we were notified by a family friend at Chrysler that the car was on the verge of being repossessed that we were able to take immediate steps to save the situation. We have registered complaints with the executive office of Chrysler to no avail. We have been able to catch up on the payments and by XX/XX/XXXX will have finally caught up. Given the circumstances, we have petitioned Chrysler on numerous occasions to adjust, amend or otherwise roll back the negative information being reported by them on our credit reports. It is axiomatic to say that had Chrysler not breached our privacy by allowing unchallenged information and records to be changed we would have been alerted to the fact that our account was behind. I view Chrysler complicit in this matter and liable to us for their negligence. Their reporting has ruined our credit and it is worth noting that each and every other creditor similarly positioned went back and adjusted their credit reporting as a courtesy for their failure to engage in due diligence and what has happened to us. A review of our credit will indicate that some of our bills were not paid during this period but most were. We have previously supplied information to the Chrysler Financial executive office however they have ignored us to date.


Date_received: 04/13/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Capital One
State: CA
ZIP_code: 932XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a few debt 's that are under my name, all this happen during my military career and I was not aware of such things going on. I have been getting call 's about this, I told them all. It 's not me, I was oversea 's in XXXX or living in a different state during that time. I decided to get a credit report and XXXX, that 's when I seen all this identity theft and debts that are not mine. I even called some companies, provided my information and was told that they do n't have anything on my, but it shows in my credit report.


Date_received: 04/14/2016
Product: Credit card
Issue: Closing/Cancelling account
Timely_response: Capital One
Consumer_disputed: NY
Complaint_ID: 121XX
Consumer_narrative:
I have been a customer since XXXX. In the XX/XX/XXXX I lost my job and a payment that I made in XXXX of XXXX was returned, I obtained a new job and paid the late fees, returned check fees and all other fees to bring my account current. At the time, my account was over the credit limit and a " restricted '' status had appeared on the website. I assumed that the restricted status was due to the over the credit limit and never questioned this. My husband and I are looking to buy a house this summer so we are improving our debt to income ratio and preparing

Company_public_response:
 we suffered a file this past XXXX at my child hood home and my mother will be coming to live with us

Company:
 so sale is very important to my family. Well last night I went on the website to ensure the payment in full of the account posted. I was surprised to see that the account was still listed as restricted

State:
 so I called the number it requested me to call and was transferred multiple times before speaking with the fraud department that told me my account had been closed in XXXX of XXXX due to my returned check. I became angry and asked for a supervisor who when I threatened the XXXX hung up on me. I called back

ZIP_code:
 my first call has been 53:20. I advised of my concerns again and was again transferred to a fraud supervisor who informed me he did not have access to unrestricted my account and that his manager would need to do it but he had left for the evening. Call # 2 lasted 36:53 to be called I 'd get a call back. I decided to file a complaint with XXXX but still wanted this resolved

Submitted_via:
 so I called the number on the bbb website once last night was resulted in my again being transferred this time to collections and now a case being opened with a callback within 7-10 days

Date_sent_to_company:
 this is unacceptable. I called again this morning to be transferred and told there was absolutely nothing anyone could do to unrestricted my account. 5 hours of my life wasted with no resolution and misinformation"


Date_received: 05/02/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: and in the meantime
Company: I will have to make another {$25.00} payment by XXXX/XXXX/16
State: so I 'm not 'late '. Now I 've paid an extra {$75.00} that is not even owed
ZIP_code: all because they miscredited MY {$340.00} payment IN FULL back in XXXX 2016."
Submitted_via: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date_sent_to_company: Citibank
Company_response: NV
Timely_response: 891XX
Complaint_ID: Consent provided
Consumer_narrative:
When I received my XXXX 2016 Citi Diamond credit card statement, the minimum payment due was {$25.00}. Instead, I paid the {$340.00} balance IN FULL, via money order. The payment was n't posted by the XXXX/XXXX/16 due date, so I authorized a {$25.00} transfer from my savings in order to not be 'late '. XX/XX/XXXX came and went, still without that {$340.00} payment posting. Once again, I made another {$25.00} payment in order to not be 'late ' with the XX/XX/XXXX minimum. In the interim, I contacted the money order company and spent another {$15.00} to get a copy of the original money order sent to Citi Diamond, hoping to see if it had been lost or stolen. When I got the copy back, it is clearly stamped, " DEPOSITED TO CITIBANK '' on XXXX/XXXX/16. I contacted Citi and they have been no help. They are telling me their invesigation will take at least 30 days


Date_received: 05/04/2016
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: Wells Fargo & Company
State: NY
ZIP_code: 100XX
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 paid in complete the XXXX borrowed amount of {$19000.00} three months before the stipulated time, and for the Credit Card to claim interest of {$230.00} as of today as Principle is wrong and deceitful.


Date_received: 05/06/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: FL
ZIP_code: 334XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Transunion refused to give me my free credit report. They claimed I had already received one in the previous 12 months. I have " requested '' it - first online - then by certified mail - with a letter explaining I had NOT received their credit report and if they HAD issued one in the previous year it would indicate identity theft. Still they refused and mailed me letter saying I could receive my credit report if I pay the amount of {$11.00}. I did receive my free credit reports from XXXX and XXXX no problem."


Date_received: 04/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: SC
ZIP_code: 292XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax reported in a response to the regulatory agency, CFPB, that they had investigated and found reporting to be correct, they lied. The lie is revealed with the truth, first of all, they did n't contact or investigate anything, instead they are playing the same game they always played prior to the CFPB, fight regulation, and oversight. The records provided within will clearly identify they lied in their response, and I want action, not just documenting but action against Equifax.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: IL
Subissue: 606XX
Company_public_response: Consent provided
Company: Web
State: 05/24/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
We started the process XX/XX/XXXX and we still have n't closed the deal. They even asked me about an address in XXXX I had from when I was a graduate student back in XX/XX/XXXX-XX/XX/XXXX. Just insane how impossibly difficult they are trying to make it this process for me. It sickens me that financial reform did n't manage to fix these banks.


Date_received: 05/02/2016
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: 070XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have XXXX recent issues with TD Bank regarding XXXX different accounts. Both complaints have to do with excessive charging of fees. The first is TD Bank assessed charges against an estate account which dipped below {$100.00} as I was in the process of closing the estate and account. The fees they charged caused the account to go into the negative. that is the only thing that caused the account to go negative. I fought that and got most ( but not all ) of the charges reversed. The 2nd item involved TD Bank clearing unauthorized charges against a business account which put the account into the negative and then charging fees for being overdrawn which made the negative balance larger. I was unsuccessful in fighting TD on reversing these charges and had to deposit {$65.00} to bring the balance to XXXX. At this point I closed the account to stop the madness. When I again tried to get charges reversed I was told they could n't do anything about a closed account. All of this is deceptive and designed to extract fees from consumers.


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Ability Recovery Services, LLC
State: MD
ZIP_code: 212XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Company never contacted me in reference to account. Had no knowledge that account ever existed until this morning XXXX/XXXX/16. Account has not been communicated what so ever


Date_received: 03/30/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Great Lakes
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:
I have been trying to get XXXX to work with me to help me repay a loan which I believed was still with my original lender, Great Lakes, on deferment but to no avail. Finally, the head of the call center, XXXX XXXX, agreed to set me up on a payment plan of {$5.00} per month if I would send a signed letter to them confirming I have XXXX people living in my household. I let him know I would not be filing taxes for the XXXX person as a dependent, but he assured me my signed letter would be enough, and I would have no further issues with a payment plan. I went to make a payment of {$50.00} like I have been the last few months and was informed my minimum payment was {$83.00} a month because I have XXXX people living at my house. I was already assured by XXXX I was approved for {$5.00} per month. Now I am being told otherwise. I keep trying to reach XXXX to fix it, but he seems to be avoiding my calls. I am afraid they will start threatening me with litigation or wage garnishment even though I did everything they asked. Please help.


Date_received: 04/26/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Transworld Systems Inc.
State: TX
ZIP_code: 751XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received treatment at a medical facility in the summer of last year. Multiple charges were incurred and my insurance carrier paid all but XXXX or XXXX. The ones they did not pay were coded incorrectly by the medical facility so they were declined ( I was completely unaware ). I was contacted by the debt collector almost 8 months after I received the treatment. They actually contacted my wife and I called them back immediately. I disputed the debt and asked that they provide me with some information so that I may contact my insurance company and get the matter resolved. I was completely unaware of the debt, but was willing to resolve it as it should have been paid prior to collection. The information that they mailed me was a XXXX page document with absolutely XXXX details on it. After several conversations with the insurance company, they indicated that they would contact the medical facility and would be reprocessing the claim. In the meantime, I had asked the debt collector if this information was going to be reported to the credit bureaus. They assured me that no reporting would take place, especially considering the billing situation and the fact that I was disputing the debt. They lied. In XXXX of this year, they reported the debts. As a result, my credit scores have fallen XXXX points. This is completely false and deceptive. I have never received another communication following up on the dispute or trying to check the status on the insurance claim. I updated my address and phone number with them. There is no excuse for zero communication and immediate negative reporting on my credit bureaus. I am demanding that these debts are removed while the insurance company works through the billing. Had the medical facility properly coded the services and had the debt collector communicated properly, I would not be in this situation. I feel completely powerless here. I worked hard for years to keep my credit scores above XXXX and to lose XXXX points because of this incompetence is unacceptable.


Date_received: 05/03/2016
Product: Credit card
Issue: Other
Company: JPMorgan Chase & Co.
State: UT
ZIP_code: 840XX
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 paid a company XXXX on XXXX and XXXX on XXXX with my slate visa card.the merchant name was ap industries which was also operating as XXXX.when i realized i had been defrauded i contacted my slate visa card to dispute the transactions and was told it was to late.my slate visa would not even consider helping me.i repeatedly told them i received no services at all.there must be something that can be done.


Date_received: 05/06/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Submitted_via: utility bills
Date_sent_to_company: etc. ) and replied back to them with the information on XXXX XXXX
Company_response: XXXX. On XXXX XXXX
Timely_response: XXXX
Consumer_narrative:
In XXXX XXXX, I received a debit card in the mail at my home address from US Bank with a " welcome kit '' that I did not request. Within an hour

Company_public_response:
 I called US Bank to let them know that the account was fraudulent. I requested at that time that the account be closed. I subsequently ( within 10 days ) received paper checks in the mail that I destroyed. At that time

Company:
 the statement balance was {$25.00} that I assume was deposited by the fraudster to open the account. I received nothing from US Bank for the next three months. In late XXXX XXXX

State:
 I received a US Bank statement indicating a negative balance of XXXX for withdrawals and monthly fees. When I called them

ZIP_code:
 US Bank said that I needed to fill out a detailed fraud complaint so that they could close the account. I filled out the paperwork they send me via email ( which included copies of my drivers license

Consumer_disputed:
 they replied and requested missing information including a notarized theft statement and a copy of my original SS card. I could not locate my ORIGINAL SS card ( I am XXXX years old ) but I did send back the notarized statement. Imagine my surprise when I received a letter dated XXXX XXXX

Complaint_ID:
 XXXX indicating that this FRAUDULENT account was overdrawn and has miraculously finally been CLOSED. However


Date_received: 05/01/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: LA
ZIP_code: 712XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have been working since XX/XX/XXXX for XXXX XXXX XXXX. My.credit report states that.I Have not worked since XX/XX/XXXX.


Subproduct: Equifax
Issue: MN
Subissue: 553XX
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:
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you XXXX XXXX


Subproduct: Nationstar Mortgage
Issue: PA
Subissue: 175XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 03/28/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Attached are approval letter for the Trail payment, screen shot showing they have all required docs for the modification, Mortgage statement showing a minimum payment over {$260000.00}, And a Nationstar screen shot showing the principal balance with the raised interest rate of 7.875 %


Date_received: 05/02/2016
Product: Debt collection
Subproduct: I do not know
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: ClearSpring Loan Services, Inc.
State: TX
ZIP_code: 770XX
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:
Back in 2011 I had a foreclosure on a condominium by XXXX XXXX XXXX. Around XXXX or XXXX 2011 during the great recession. I believe my personal information was sold or traded illegally to third party debt collection agencies.


Date_received: 04/14/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: NY
ZIP_code: 100XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
This is a second complaint to follow up on my previous complaint against the Bloomingdale 's card. Bloomingdale 's improperly credited a returned item by sending gift cards instead of crediting the credit card account - notwithstanding the fact that Bloomingdale 's card had agreed to credit the account prior to the return being made. Subsequently, Bloomingdale 's promised on numerous occasions over more than 10 hours of phone calls from me to them, to fix this error, but never did and instead ended up reporting me to the credit agencies. After a complaint to the CFPB, Bloomingdale 's finally fixed this issue ( thank you CFPB! ). However, I have now received a new invoice from Bloomingdale 's showing finance charges due related to this issue. I had not charged anything else on the Bloomingdale 's card, so there could be no other source of this finance charge.


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 was paid
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: ERC
State: AZ
ZIP_code: 852XX
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:
I received a collections letter from ERC that is collecting on behalf of XXXX XXXX. I was never in a contract with XXXX XXXX. I have not had their service for over 2 years and my account was paid in full when I had the service discontinued.


Date_received: 04/29/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Denovus Corporation, Ltd.
State: OH
ZIP_code: 442XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Denovus is trying to collect a dept that was paid off over 10 years ago. I have recieved letters & phone calls to collect this debt which is no longer valid. This is no longer on my credit report nor is in collection. The debt was paid off 10 years ago.


Date_received: 04/14/2016
Product: Credit card
Issue: Delinquent account
Company: Discover
State: MI
ZIP_code: 489XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had a credit card with Discover then they cancelled it. Acct no. XXXX was wondering what happened. Then I recieved a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous


Date_received: 04/26/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Portfolio Recovery Associates, Inc.
State: NH
ZIP_code: 033XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Portfolio Recovery Associates was trying to collect XXXX separate debts from me and although I paid monthly payments, believing PRA was entitled to collect on these accounts, the pricipal amount increase indicating PRA was charging interest. I disputed these accounts on 4 occasions ( beginning XXXX/XXXX/2015 ) and requested verification, but PRA refused to provide original account agreements or an accounting of what was paid and due. I then learned the there was a consent decree, binding PRA from collecting certain debts. I then received a refund and a letter indicating that at least XXXX ( and probably both ) wasa covered by the consent order. I also discovered that PRA is still reporting these debts on my credit reports. I want to know 1 ) are my XXXX debts covered by the consent decree ; 2 ) is PRA prohibited from collecting these debts ; and 3 ) if PRA can not collect, why ca n't these XXXX items be deleted from my creidt reports because PRA can no longer collect them?


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: MI
ZIP_code: 482XX
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:
Today I tried to request my free credit report and was denied access because the information that I checked off appeared to be wrong. I have not requested a credit report for more than a year and I fear that my social security number has been compromised. Furthermore, I believe that someone has taken out a mortgage in my name.


Date_received: 04/18/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: TX
ZIP_code: 770XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
For the past 5 years I have been in a foreclosure status with Bank of America. I have returned all of the documents requested. As requested by Bank of America, I have submitted the same documents over and over. I lost my job and got behind in my payments. However, I have been employed for the last 4 years. At XXXX, I went back to college and got my XXXX. I have lived in my home for XXXX years on a 30 year mortgage. I do not want to lose it now. It seems for the past XXXX years Bank of America has been giving me the run-around. It seems they do not want to keep my home on their books. After XXXX years I find this very disturbing. I have been living in fear for 5 years. XXXX. This foreclosure is constantly on my mind!


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: MI
ZIP_code: 482XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
equifax refuses to remove student loan services ( XXXX, us department of education and XXXX ) from negitive accounts on my credit report. after numerious dispute attempts and supporive documentation provided that all of my student loans are in defferment. equifax has also refused to remove XXXX and XXXX XXXX from negitive accounts as requested and have placed all other accounts in closed accounts after providing chapter XXXX bankruptcy discharge documentation.


Date_received: 04/27/2016
Product: Credit card
Issue: Other
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: LA
ZIP_code: 713XX
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:
SYNCB did an unauthorized credit inquiry with XXXX on XXXX/XXXX/2015. I called SYNCB to dispute the unauthorized inquiry twice and ask both times to have it removed from my XXXX Credit Report. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated by Consumer. SYNCB stated they could not find no records of an application and that they could not remove nor send me a letter to have it removed. I also called Transunion twice to dispute the error of the unauthorized inquiry as they stated they can not remove it without a letter of error from SYNCB


Subproduct: Portfolio Recovery Associates, Inc.
Issue: CA
Subissue: 934XX
Company_public_response: Consent provided
Company: Web
State: 04/26/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Account was remove from my credit and know is back under other collection company. Company fail to provide prove of the account and verification. Know they are calling everyday all day with will take legal action, where is getting to a point that are screaming over the phone. Thread of taking to court or calling my work for payments.


Date_received: 05/01/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: CA
ZIP_code: 923XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Hi there I had a account with synchrony bank ( paypal smart connect ), This account was sold to XXXX, Which was was then handed over to XXXX XXXX XXXX. I have settled the entire case with XXXX XXXX XXXX.


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: MD
ZIP_code: 207XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
My Equifax credit report presents with ( XXXX ) addresses that are not mine : XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. I have repeatedly requested that these addresses be removed and they have not been removed as of yet. In addition, Equifax reports the following information that does not belong to me : 1- XXXX, XXXX/XXXX/XXXX, {$410.00} 2- XXXX, XXXX/XXXX/XXXX, {$320.00} ( reported twice ) 3- UnknownXXXX, XXXX/XXXX/XXXX, {$400.00} 4- UnknownXXXX, XXXX/XXXX/XXXX, {$940.00} 5- XXXX Mortgage, XXXX/XXXX/XXXX, {$18000.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$1700.00} 7- XXXX, XXXX/XXXX/XXXX, {$89000.00} 8- XXXX, XXXX/XXXX/XXXX, {$5100.00} 9- XXXX XXXX, XXXX/XXXX/XXXX, {$4000.00} 10- XXXX XXXX, XXXX/XXXX/XXXX, {$21000.00} 11- XXXX BankXXXX XXXX XXXX/XXXX/XXXX, {$300.00} 12- XXXX Vacation XXXX XXXX XXXX/XXXX/XXXX, {$13000.00} 13- XXXX Bank XXXX XXXX XXXX/XXXX/XXXX, {$420.00} 14- XXXX, XXXX/XXXX/XXXX, {$180.00} 15- XXXX XXXX, XXXX/XXXX/XXXX, {$3700.00} 16- XXXX XXXX, XXXX/XXXX/XXXX XXXX {$360.00} 17XXXX XXXX, XXXX/XXXX/XXXX XXXX {$4900.00} Please remove these items


Date_received: 03/13/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: JPMorgan Chase & Co.
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have XXXX accounts with Chase, XXXX checking and XXXX savings. My mother is on XXXX of the savings, jointly. When she logged into Chase using her credentials, she was able to access the information in my personal checking and savings, where she is not listed on the account. She could see all statements, every debit, etc.


Date_received: 04/25/2016
Product: Credit card
Issue: Customer service / Customer relations
Company: as they know this account was under dispute and I was unaware what I owed them"
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Bank of America
Submitted_via: NY
Date_sent_to_company: 140XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/25/2016
Consumer_narrative:
I have been in dispute with Bank of America about what I considered " false '' charges on my credit card ending in XXXX. I received paperwork from them and in the time I was waiting for the dispute to be settled and updated

Company_public_response:
 I was waiting for them to update what I owed on my closed account. I made a good faith payment of {$100.00} and they reported to the credit reporting agencies ( All of them ) that I was late 30-60 days. I contacted the bank asking for them to correct the report and they said their hands were tied and they could not. I think this is wrong and misleading on their part


Date_received: 04/28/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: which I have paid in full and which increased exponentially due to late fees ( i.e.
State: revoking all of the benefits that you have earned
Complaint_ID: 04/25/2016
Consumer_narrative:
A few months before I was due to have a baby, I purchased maternity clothes on Gap.com with my Banana Republic credit card. I had a credit card credit at that time, which I believed would cover the entire purchase. It turns out that there was just a small amount that was not covered. In the meantime, due to XXXX my pregnancy, the outstanding balance did not come to my attention until after I was hospitalized. Due to the addition of late fees, my outstanding balance went from I believe below {$100.00} to above {$100.00}. ( I do not have access to the specifics at this point b/c the company that services the Banana Republic credit card has locked me out of viewing my account history online. ) Once the balance came to my attention, I paid the account -- late fees included -- in full. Just today, I attempted to make a purchase with my card and was told that the account had been closed. I had no notification of this. I called the credit card company to explain my situation and request reinstatement, and was told that they were not obligated to notify me of the account closure and that they could not reopen the account. I was told that I would have to reapply and start from the beginning ( i.e., I would lose all of the " XXXX benefits of being a very long time credit card holder and reaching a certain spending threshold. ) I find this completely unreasonable in light of the fact that I had previously been a very long time account holder with no problems whatsoever paying my account in full -- thus the "" XXXX '' status in the first place. The outstanding amount -- again

Company:
 the original outstanding balance was much much less ) -- reached only {$170.00}. I do not believe that credit card companies should simply be able to close your account


Subproduct: I requested that the late fees be refunded
Subissue: if for whatever technical reason reinstatement was not possible
Consumer_narrative: I wanted to open a new account at the XXXX level
ZIP_code: personal circumstances
Company_response: the company 's response to my complaint indicated that it attempted to contact me
Timely_response: and I do not believe that this is true. I have no record whatsoever of calls
Consumer_disputed: emails
Complaint_ID: or letters from the company on this issue. I called the company again to discuss
Date_received:
I filed a complaint with CFPB ( Case # XXXX ) requesting that my account be reinstated at the same benefit level I had previously reached. I.e.

Product:
 that I wanted to reopen at the "" XXXX '' level. This was and continues to be extremely important to me as it required spending a great deal of money in XXXX calendar year to reach that level. This was the main reason I filed the complaint. Secondarily

Issue:
 but the number XXXX reason for my complaint was to have my account reinstated at the XXXX level ( or

Company_public_response:
 instead of having to start at the very beginning with no XXXX benefits ). The late fees were MUCH less important to me. The company responded to my complaint by refunding the late charges

Company:
 but did not address the main purpose of my complaint : the closing of my account and the loss of the XXXX benefit level. Perhaps there was some misunderstanding as to the requested resolution

State:
 thus I am filing this new complaint. I absolutely do not think that it is a fair business practice to close someone 's account ( with my account history

Submitted_via:
 etc. ) who has reached a certain benefit level and only allow them to reopen at the base benefit level

Date_sent_to_company:
 as credit companies would have a vested interest in targeting accounts at higher benefit levels so as to no longer have to offer the greater benefits and/or to force the account holder to once again reach a certain spending level to obtain the benefits they had already earned. Also


Subproduct: Caliber Home Loans, Inc
Issue: CA
Subissue: 956XX
Consumer_narrative: Older American
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:
I have talked with attorneys and have been told that they have proceeded with my foreclosure in an unlawful way. I ca n't afford an attorney to help me with this matter, so Im trying to get some assistance to save my home..I do n't want to loose it, its all I have. If they could just lower my mortgage payment by {$300.00}, we both could be happy ... they get money and I could keep my home. Please assist me in any way you can ... need help and quickly.


Date_received: 03/23/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: OH
ZIP_code: [45XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We sent a Qualified Written Request to a servicer and Trustee who seem to be committing ro-bo signing who has refused to produce original documents and is in violation of it consent orders. We remove the companies power of attorney in 2012 for fraud and XXXX XXXX has settled for violating the fair housing act and and they continue to try and take our property under the color of law. there are so many more things that they are in violation and I am asking the CFPB with the laws they are violating. the reason for this complaint goes much further than th


Date_received: 04/30/2016
Product: Credit card
Issue: Rewards
Company_public_response: additionally
Company: when my card arrived the accompanying package contained literature which had disclosures
ZIP_code: however
Complaint_ID: glossary etc ). I would like Citibank to address my grievance."
Consumer_narrative:
XX/XX/2015 I received an offer from Citibank to apply for the Citi Advantage card with, which was offering a seasonal bonus of XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I was at the time a XXXX year old XXXX XXXX who had never had a credit card and although I was cautious but I decided to apply. I am very conservative about sending so my plan was to use the card on expenditures I otherwise would have made with my debit card. Specifically, I planned to charge my Fall tuition to the card in order to reach the spending requirement before the offer expired. I was approved for a Platinum Select with a {$2500.00} LOC. I received the card after the XXXX holiday and activated it in XX/XX/XXXX. My XXXX purchase was made on XX/XX/XXXX. Over the next 3 months I used my card instead of my bank account for tuition expenses as well as other medium to large purchases, diligently trying to make sure I reached the $ XXXX in charges. Before deciding to apply, I had called the customer service line on the mailer and asked about the details of the program and I was told that " account opening '' referred to my activation of the card and this would commence the 3 month countdown. This being my very 1st credit card experience I took that at face value

State:
 but none which expressly outlined Citibank 's definition of account opening. I tracked my purchases and calculated {$3000.00} in purchases by XX/XX/XXXX

Submitted_via:
 when I called in XX/XX/XXXX to inquire when the miles would be reflected I was told that I had missed the spending requirement

Date_sent_to_company:
 having made only {$2900.00} in purchases because they were disallowing my last purchase. I am by all accounts crestfallen

Company_response:
 here i am having accumulated $ XXXX in charges and related interest and Citibank is insisting that they will not honor my bonus reward because they started the clock from the date of approval. I find this to be a very deceptive tactic on their part

Timely_response:
 how can it be expected for a cardholder to fulfill program spending requirements with a card they have not yet received. As a young student trying to be wise about credit and finances

Consumer_disputed:
 I feel very much disillusioned by this experience with Citibank. I do not feel that their credit card disclosure adequately addresses the specifics of the Bonus Rewards program in regards to qualifiers ( lack of definitions


Date_received: 04/25/2016
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: Wells Fargo & Company
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 money in my bank account one day my money was gone and the bank told me the was a legal order debit


Subproduct: JPMorgan Chase & Co.
Issue: CA
Subissue: 913XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/21/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Yesterday, I received a letter from Chase notifying me that they have rescheduled a Trustee Sale of my property for XXXX XXXX. Today I received a letter from yet another 'new ' Single Point of Contact explaining why I did not qualify for any of the loan modification or loss mitigation offers. Will the CFPB challenge the bank 's improper behavior and blatant attempts to steal my property, or is this yet another exercise in futility?


Date_received: 04/29/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company: when I called XXXX
State: who I never had spoken to before
ZIP_code: I gave them my invoice number and they pulled up all of my ticket information. Come to discover
Submitted_via: XXXX and XXXX share the exact same address
Date_sent_to_company: XXXX XXXX XXXX XXXX
Company_response: XXXX XXXX
Timely_response: XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer_disputed: XXXX
Consumer_narrative:
XXXX/XXXX/XXXX I purchased XXXX XXXX " XXXX '' concert tickets. Concert intended date was XXXX/XXXX/XXXX. Postponed to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX announced on social media all dates were postponed and later all "" point of purchase '' sales would be honored. My tickets were purchased from XXXX. My receipt reflects this and sale by XXXX. Neither wants to offer a refund. I opened cases with XXXX. XXXX case was closed due to XXXX filing grievance against XXXX XXXX

Company_public_response:
 not XXXX. XXXX XXXX responded "" We have no record of a charge or tickets sent out to XXXX XXXX for the event. He must have placed his order through a different seller. '' ( complaint XXXX ). Yet

Complaint_ID:
 TX XXXX ) is listed as my biller and on the receipt the language says "" ALL SALES FINAL. REFUNDS WILL ONLY BE ISSUED IF THERE IS A CANCELLATION OF THE EVENT. '' Well


Date_received: 03/11/2016
Product: Debt collection
Subproduct: Non-federal student loan
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Navient Solutions, Inc.
State: CA
ZIP_code: 902XX
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 am willing to settle the debt at {$10000.00} under a 24 month payment plan of {$430.00} per month beginning on XXXX XXXX, 2016. I have been paying {$250.00} per month for the past 14 months. Navient had previously offered to settle at {$15000.00}.


Subproduct: Transworld Systems Inc.
Issue: AL
Subissue: 362XX
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:
All of this came from our family leaving her dental care. When our time comes to visit our new dentist, he may have to re-fill this due to her lack of doing the procedure correctly. That is why we left, her filling would not stay in and she kept double charging us, over and over again using cheap materials.


Date_received: 04/26/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Lazarus Financial Group, Inc.
State: TX
ZIP_code: 760XX
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 believe this is a scam by XXXX XXXX. They are asking for XXXX but I had no debt. I believe this is a mistake. I rented an apartment ( duplex ) from them from XXXX had left the apartment in immaculate condition ( better than when I moved in ) and paid a professional service XXXX XXXX XXXX clean the apartment, including the bathrooms, behind the appliances, and ceiling fans and shampoo the carpets. I have a receipt for {$350.00}. I have pictures as well. I even cleaned out the garage floors. It was n't even dirty to begin with I am a very clean person, living alone. There were no damages to the walls, I did not even hang any paintings. They did not complete a walk through with me because it was a holiday weekend and they were closing early. Not only did they they not give me my deposit back, they billed me an outrageous amount of money for normal wear and tear such as painting, but again, I did n't damage anything. There were previous cracks in the tile which they knew about. I also changed the locks ( With their permission and still kept the original ) and they said I did n't have to change them back just drop off the keys. I wrote them to inquire what those charges were for and that I believed that they were they may have confused me with another tenant and they wrote me a nasty email back and sent my information to collections. I believe I went above and beyond. I was very cordial and tried to work with them but got frustrated. I recently searched the intenet and found XXXX XXXX had done the same things to other previous tenants. Why they would try to intentionally damage someones credit I do not know except to hurry them so they could not rent from someone else. I am considering initiating a class action lawsuit for the false accusations. I had a friend who rented from them who had XXXX dogs who destroyed the apartment and they treated me just the same as her which I thought was not fair.


Date_received: 04/14/2016
Product: Credit card
Issue: Customer service / Customer relations
Company_public_response: assuming I would be credited. It was n't until months later when I noticed the various
State: XXXX '
ZIP_code: XXXX
Date_sent_to_company: the credits would hold and If Capital One VISA believed these charges to be fraudulent
Consumer_disputed: I was to contact the merchant directly. I then contacted XXXX XXXX
Complaint_ID: also doing business as XXXX ' and XXXX XXXX '
Consumer_narrative:
A few months ago, I contacted Capital One VISA to dispute several charges from a company, XXXX XXXX or XXXX, who over a 10 month period charged me approx. {$2000.00}. It started from an internet 'trial ' offer of {$3.00} to try eye serum and {$4.00} 'trial ' offer for face cream. Once it arrived, I discovered the pump on the XXXX ( XXXX ) XXXX bottle was defective and required removing the lid and scooping the goo out with a finger. The face cream was greasy and did not absorb well. I decided to phone the company to discontinue the products only to find the number XXXX to be disconnected. From that point, I returned all future unopened deliveries and labeled " Cancelled '' on each one

Company:
 suspicious product names on the XXXX statements that seemed to rotate each month. These product names were XXXX '

Submitted_via:
 XXXX '. I never ordered additional products other than the XXXX trial offers that totaled less than {$10.00}. The first person at Capital One VISA customer service I spoke to in attempting to rectify the problem was employee # XXXX. She listened politely to my dilema and explained that Capital One would send a dispute letter to the merchant while temporarily reversing all the charges. If the merchant did not respond

Company_response:
 all charges would remain dismissed as well. The maximum credit period was normally 90-120 days but could cover the entire 10 month period if fraud was evident. At that moment

Timely_response:
 it felt great that justice would be done in hopes that potentially thousands of other trusting consumers would not be duped as I was. My optimism was short lived as I received a letter XXXX/XXXX/16 from Capital One stating they were reapplying all the charges and if I still wanted to dispute these charges


Issue: I did not receive the credits. All in all
Company_public_response: your agency can be of assistance. Thank you."
State: Capital One
ZIP_code: WA
Submitted_via: 980XX
Date_sent_to_company: Older American
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 04/14/2016
Complaint_ID: Closed with monetary relief
Date_received:
She explained they would only give me a 30 day credit until I told her I would file a complaint with Consumer Protection. She placed me on hold then returned to offer a 90 day credit. When I asked her why the change

Product:
 she replied it was due to my threat to report the company to the Consumer Protection Agency. ( Frankly

Subproduct:
 I was a little surprised she would admit it. ) She e-mailed me confirmation to that agreement but did not send it to Capital One. Therefore

Subissue:
 I have spent over 20 hours and have spoken to 17 Customer Service people ( on the phone ) with Capital One VISA attempting to correct this cluster. The customer service supervisors were the least helpful

Consumer_narrative:
 especially XXXX and XXXX who shared the phrase "" Capital One has done everything they can ''. Really?.... and I pay 17.9 % for protection? Hopefully


Date_received: 05/06/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: Coastal Credit, LLC
State: SC
ZIP_code: 299XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Today, XXXX XXXX, 2016 my auto loan company Coastal Credit LLC called my sister company stating that she have been calling for weeks and no one is answering the phone which lead to my co -worker calling asking me about what 's going on .Coastal Credit account representative XXXX XXXX also called my landlord stating she was calling about a personal business matter. At the time of purchase I gave them my work number to the specific office to where I was employed and not that of my sister company. I have ask several times for them to just leave a name and a phone number and I will respond. I have also filed an earlier complaint and I am asking for this complaint to be in conjunction with the one filed in an earlier date.


Date_received: 05/07/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: FL
ZIP_code: 342XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My credit report with TransUnion has been frozen since 2008 and is showing me to have a credit score with my maiden name XXXX when my credit report is pulled with married name XXXX it shows I do not exist I have emailed them proof of my identity etc and they still have n't fixed the problem they have caused me and my kids to be homeless careless sick and poor they also cost me a foreclosed home worth $ XXXX that I was gon na purchase for $ XXXX but got turned down for a change loan etc because of this


Date_received: 05/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: CA
ZIP_code: 902XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was in a car accident with my XXXX Honda Civic and it was a total loss. The car was paid off by the insurance company but my credit report still showing the car lone is unpaid. So I would I the information to be updated and to have my credit score adjusted.


Date_received: 05/07/2016
Product: Credit card
Issue: Billing disputes
Company: Amex
State: NJ
ZIP_code: 079XX
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 sent a letter by American Express stating that they incorrectly credited my account for fraudulent charges and that the charges were being reversed. When i called American Express no one was able to tell me what charges were fraudulent, when they were charged, or who the merchant was. Am i just supposed to " take their word for it ''? I dont think so! This is the 3rd time this has happened to me and i believe Amex is trying to cut their losses by hoping people wont inquire about the "" supposed reversal '' of credits. In this day of data and technology there is no way i believe that they cant tell me exactly what credit is being reveresed and why! I think a class action lawsuit should be brought against the company and anyone who has experieince this nonsense should be refunded the credit reversal."


Date_received: 05/01/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company: Navient Solutions, Inc.
State: OK
ZIP_code: 741XX
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 began repaying loans to XXXX/Navient XX/XX/2009. When the payment was too much for my beginning salary, the only option that was provided to me was an interest only payment for two years. I accepted a XXXX/mo interest only payment. Two years later I contacted because my loan payment returned to the original rate which nearly doubled my payment. Again, I was told that interest only payments were the only option, now for three years. After 5 years of paying XXXX in interest only payments, believing it was the only option, I am told by a Navient representative that I could have modified the terms of my loan, lowing the interest rate and extending my terms. Now I am paying XXXX/month with payments going to interest and principal. Because they did not inform me about the modification option, they have received an extra 60 months of interest payment without my principle reducing XXXX.


Date_received: 04/29/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: 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 bought my home in XX/XX/XXXX on my sole income. I had a 30 year mortgage. I paid for 10 years and then ended up getting a divorce. At that time my ex and myself contacted Citi to request her name removed from mortgage. We were told we have to refinance to do so. So in XX/XX/XXXX, I paid off the XXXX mortgage and refinanced in my name, for 30 years. Then taxes, insurance went up causing an escrow shortage at which time they raised my monthly payment another {$300.00}. Wel I paid as long as I could, but started to run into issues. So I contacted lender to see if there was any assistance for someone like me, who struggled through the housing crash, looking for principle reduction and refinance for a better rate. They put me into a loan modification and gave me an amount to pay, {$950.00} for the next 3 months. That was 7 months ago. I have no paperwork saying I am in a modification, and the original mortgage shows I am late every month on my payment and Citi sends letters saying I am behind in the amount of over {$7100.00} now. They email me and tell me they are waiting on title search to come back, but still never send me info on my modification. They have someone leave envelopes on my door to call. When I do, they say 'OK, thank you. Even though I have told them I did n't want to lose my house and I am in it and taking care of the property. Oh and the new loan will be for 40 years. I have researched and seen that Citi has done something similar and stared forclosure behind the owners back. I am worried, frustrated, beat down and mad that after all these years they would treat me, or anyone, this way.


Date_received: 03/21/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: CA
ZIP_code: 900XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Our American Express/Jet Blue credit card was re-assigned to XXXX. We have elected not to enroll with XXXX but instead to enroll elsewhere. American Express is now denying us access to our card statements ; we will have to enroll with XXXX to view them, at a cost of {$40.00}. Apparently we were warned in our XXXX statement that we would no longer have access to our records, but did not see the warning. It will be difficult to file our taxes without access to these financial records. Apparently Amex would like us to pay off the balance of our card without being able to verify the amount owed.


Date_received: 04/25/2016
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: MI
ZIP_code: 491XX
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 originally got my mortgage through Countrywide which then became owned by Bank of America. I was downsized for a time during the collapse of XXXX and Bank of America sent me a modification agreement adding excessive fees that put me {$16000.00} backwards on what I owed on my house without a clear explanation and added four years to the length of time my mortgage would be paid. They never even sent anyone to the house to look at it the property, but I know they billed us for that. I would like to know if my original mortgage was legal, if Bank of America has a copy of that note, as well as if a reduction of principle balance is possible because they overcharged me. It also appears that they 're reporting my credit history with XXXX 30 day lates and XXXX 90 day lates in recent months when I have not missed a payment since XXXX. We 've been making biweekly payments since XXXX and it does n't appear that they 've been applying as much money to principle as they should be.


Date_received: 04/30/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Managing the loan or lease
Company: Santander Consumer USA Holdings Inc
State: KS
ZIP_code: 671XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My lease with Chrysler Capital was paid off on XXXX XXXX XXXX. They continue to display my account as past due. I have called several times to verify status and am told to wait a little longer. On XXXX XXXX XXXX at XXXX XXXX, I spoke with XXXX who advised there was a payment pending, she transferred me to XXXX, who at XXXX XXXX told me that my lease was coded as purchased and to be closed, that there were no monies due, and that it should close before XXXX XXXX XXXX. I called again on XXXX XXXX XXXX at XXXX XXXX and spoke to XXXX who advised me that the account is marked as {$0.00} and pending close, and that it *should not* report to any credit bureau as it should close out. At this point I have no faith that Chrysler Capital will keep their word. I do not want any blemish on my credit as result of their incompetency!


Date_received: 04/28/2016
Product: Consumer Loan
Subproduct: Title loan
Issue: Charged fees or interest I didn't expect
Company: Capital One
State: MD
ZIP_code: 207XX
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:
XXXX Capital One and XXXX XXXX, where I purchased my car Had/Have a collusive kickback scheme. My credit was poor but Capital One was XXXX of the creditors I had with whom I had n't missed any credit card payments. I had closed both accounts with them several years before I purchased my car when I realized.I was in financial difficulty. Then a couple of years later when I needed a car Capital One was the only XXXX XXXX of XXXX said they could get to approve me. At first the interest rate was high at 14 %, When I got the call and agreed out of desperation, the interest rate was increased to 16 % when I got there to sign the papers. Although I was purchasing a new hybrid car at {$19000.00} in order to keep my costs and expenses down, I wound up with a payment of {$530.00} per month. as if I was purchasing a XXXX or XXXX or some other high end car. After paying on it first for a couple of years without missing or being more than 30 days late on a payment, then XXXX, 4 years without missing or being more than 30 days late on a payment, each time asking Capital One to PLEASE reduce my interest as it was a struggle to make the payments, they turned me down each time. Even though I was not more than 30 days late during that time, there was no grace period I learned in this loan so Capital One was making a good amount of money also on late fees I had to pay at {$35.00} per month if my payment did not get to them on the XXXX due date. I was often XXXX, XXXX, XXXX, XXXX XXXX, XXXX or more days late so I paid that late fee often due to when XXXX 's fell, or if I were pressed to pay a utility bill to keep service from being disconnected and buy food too which left insufficient money to pay the car note. I have now been paying on this car more than 5 years, however, in the past year and actually also at the end of the 4th year, I have been more than 30 days late and missed payments which never would have happened if I had been charged a more fair high interest rate because the car would have been paid for last year or the year before. During the 6 years of this car note, I have about 9 months remaining, I have developed XXXX XXXX, had a XXXX, been terminated from my job at XXXX XXXX XXXX and live only on social security. Consequently my income has dropped dramatically. I am 3 months behind with my car note. This car is less than a year from being paid for. It 's not fair I am in threat of losing this car at this point when one considers how much money I have paid Capital One for this {$19000.00} car at the rate of {$530.00} per month for more than 60 months plus late fees - over {$35000.00}! An attorney told me my income is insufficient to file chapter XXXX bankruptcy to keep the car and if I file chapter XXXX, I 'll lose the car anyway. Capital One has statement on the monthly statement that My last payment is due XXXX/XXXX/2016, the original last payment date, and the balance will be due immediately in full. I wo n't have it or I would n't be behind now. Capital One is just using this hard nose way to get all the money they loaned, 16 % interest, all the late fees which total nearly double to cost of the car and still they 'll steal the car from me on or about XXXX/XXXX/2016. I need help. The law should n't support their behavior. Does USUARY apply here or some other law?


Date_received: 05/05/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: FL
ZIP_code: 335XX
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 needed to wire funds for a mortgage closing and the bank refused to do a wire over the phone, even though I offered to sign whatever forms and fax in whatever verification they required. I do not have access to a branch because I have moved and there is no US Bank in Florida. The US Bank website says you can do immediate or next day transfers which would also help because I could transfer to a FL bank and then wire, but when I went to do that instead it would n't let me because I was above the transfer limit. I am unable to access my own money via wire and it may result in me loosing my home. This is unacceptable!


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: LA
ZIP_code: 701XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX purchased an account from XXXX XXXX and has Dynamic Recovery Solutions trying to collect on an account that is from XXXX that I paid to XXXX. XXXX XXXX XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact Dynamic Recovery Solutions who told me that the account was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.


Date_received: 04/26/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: along with supporting documentation. This was sent to XXXX XXXX
State: I spoke with several Carrington employees
ZIP_code: in either the home retention dept.
Company_response: another account representative in loan modification
Consumer_narrative:
I am writing because my property has been denied a short sale. I have been dealing with this issue for several years. My loan originally belonged to XXXX XXXX XXXX, who I started loan modification processes with back in XXXX. I was current on my mortgage payments and was told that I would only qualify for a modification if my payments were at least 45-60 days behind. I was instructed by XXXX XXXX XXXX to stop making payments on my home or my modification request would be denied. There were several attempts for the modification until XXXX, when the mortgage was sold to Carrington Mortgage Services. I was never informed of the sale of my loan until the summer of XXXX when I found a manila door hanger on my front door, asking the homeowner to call a customer service. It was then that I started short sale discussion with Carrington Mortgage. In XXXX XXXX, I was told to fill out and send back a " Request for Mortgage Assistance ''

Company:
 who I was told would be the relationship manager and single point of contact for a short sale. In XXXX XXXX

Submitted_via:
 modification dept. or the "" overflow '' dept. and was finally told by XXXX XXXX that my paperwork was in modification and not short sale status. I was then told that our loan had to be reviewed for modification only since it was a FHA loan. If a modification were denied

Date_sent_to_company:
 then we would be able to apply for a short sale and start the process over again. XXXX XXXX was going to send the file to XXXX XXXX

Timely_response:
 and she would contact me. XXXX XXXX asked for more documentation and sent the file to "" Property Preservation ''. After receiving and filling out several packages more assistance packages between then and XXXX

Consumer_disputed:
 we received notification from Carrington that our package did not "" satisfy requirements to proceed '' and we had 90 days to provide even more documentation ; which was sent in XXXX XXXX. After getting even more run around about loan modification and a short sale

Complaint_ID:
 I decided to hire XXXX in XXXX to help resolve this and short sale my home. Since with XXXX and listing the property


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: TX
Subissue: 760XX
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:
I have also contacted and filed a complaint with the FTC and also the ATTY General both here in Texas where I reside and where EXPERIAN maintains their main corporate offices in the United States XXXX XXXX XXXX


Date_received: 05/11/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Settlement process and costs
Company: Ditech Financial LLC
State: MI
ZIP_code: 491XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have owned a condominium development for about 20 years. I have decided to convert the affected property back to private ownership. To do this I must get the approval of all people who have bought parcels and their mortgagers. I have gotten the approval of the only person that purchased a lot but when I or my lawyer or the mortgagee has tried to contact the mortgage company they get no response. The company was originally Greentree but is now Ditech. They are a national company and whenever we call we speak to a person in a different part of the country. If we leave a message they do not return our calls. We have sent them a form that if signed would complete the transaction but we never heard anything back from them.


Date_received: 04/27/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Company: Navient Solutions, Inc.
State: IN
ZIP_code: 462XX
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 obtained a loan thru Navient previously known as XXXX XXXX. The loan is no longer available, but it was originally called a Tuition Answer loan. I have all my documents but I borrowed {$5400.00} back on XXXX/XXXX/XXXX. Not sure what happened between XX/XX/XXXX and XX/XX/XXXX but my loan increased to {$10000.00}. I was having financial difficulties and was not able to pay the loan on time and was behind and they finally worked out a payment with me XX/XX/XXXX. Right now as of today the documents state that I will have repaid XXXX by the time I pay this loan off which is RIDICOULOUS!!! That is way more than the amount I borrowed and I would like for this loan to be evaluated by the CFPB and see if there have been some unfair lending practices with this loan. I am in over my head with these loans and I am unable to file them on my taxes because I was told that they are not student loans and they wanted me to call the school to ask if they can certify the loans so I can get federal tax credit. I did n't call the school because I figured if they are not student loans then when I filed my bankruptcy XX/XX/XXXX they should have been considered in the bankruptcy due to the fact that I have paid on these loans and am not able to file them on my taxes and still owe over {$9500.00}. I am never going to get these loans paid back and the amount is not going down. I have faithfully paid for the past 2 and a half years trying to keep my credit score from dropping but I do n't know how much longer I can stand to deal with this. I do n't understand why I am paying back 3 times what I borrowed. I am a single mother paying childcare. I would like to have loans that are affordable. I am not opposing paying the loans but It has been since XX/XX/XXXX and I am still trying to pay back some money that I did n't borrow.


Date_received: Not only are they harassing me and my employees
Subproduct: Company believes it acted appropriately as authorized by contract or law
Issue: Brennan & Clark, Ltd., LLC
Subissue: CO
Consumer_narrative: 809XX
Company: Consent provided
State: Web
ZIP_code: 06/22/2016
Submitted_via: Closed
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Product:
 but the amount of the debt was in dispute with the person I owe this money to. We have resolved the issue and they have worked out a payment plan with me."


Date_received: 04/29/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Submitted_via: "" Co-conspirator '' in blocking/evading approving me for HAMP 1."
Date_sent_to_company: Company believes it acted appropriately as authorized by contract or law
Company_response: Select Portfolio Servicing, Inc
Timely_response: NV
Consumer_disputed: 891XX
Consumer_narrative:
I fell behind on my mortgage after my payment increased from {$1800.00} per month to {$2400.00} per month. Basically I am on a fixed income. My loan is serviced by SPS and the owner/investor of my loan is XXXX XXXX. I was denied for a loan modification on XXXX/XXXX/2015 by SPS for HAMP 1 ( Denial letter attached ). The reason given was due to " excessive forbearance ''. However my attorney ran the exact same numbers given to me on my denial letter through the Making Home Affordable web site and it came back Positive NPV ( See attached copy of NPV ran ). My attorney states

Company_public_response:
 I qualify for HAMP 1 and there is no reason they should not be approving me for HAMP 1. That SPS is acting as a co-conspirator for XXXX XXXX in BLOCKING/EVADING approving me for HAMP 1 on purpose. After my initial denial that had a false reason for denial

Company:
 I re-applied again twice. Both times SPS denied me for HAMP 1 stating "" Investor/Guarantor Not Participating '' and "" HAMP-PSA RESTRICTION ''. So the first time they acted like they reviewed me for HAMP 1 and I did n't qualify. The next two times

State:
 they say the investor is not participating. I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( HAMP PSA RESTRICTION )

ZIP_code:
 the servicer MUST make "" reasonable efforts '' to get the investor to waive the restriction. I do not believe SPS has made any effort to get XXXX XXXX to waive the restriction. My attorney states XXXX XXXX IS participating in HAMP 1. Bottom line is that I qualify for HAMP 1. XXXX XXXX is participating in HAMP 1. SPS is acting as a "" bad actor ''


Date_received: 05/09/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: but this time
State: she said because I had run out of time and since the foreclosure was in 9 days
Date_sent_to_company: Rushmore Loan Management Services LLC
Company_response: OK
Timely_response: 730XX
Complaint_ID: Consent provided
Consumer_narrative:
I received a call from the home retention coordinator for Rushmore Loan Management Co. on XXXX/XXXX/2016. She called to inform me that Rushmore had declined to accept the offer for a short sale on my property which is scheduled for foreclosure on XXXX/XXXX/2016. This was the second offer on the property that she declined. She said the XXXX offer was too low and gave my realtor, the figure that the 'investors ' would accept. A XXXX offer for the amount that she stated was acceptable was then submitted, and after reviewing the XXXX offer, the home retention coordinator contacted me via phone to inform me that the offer was rejected and the company would proceed with the foreclosure ( which is scheduled in 9 days ). She then offered, for the second time a deed in lieu, which she advised me to accept. This was the second time she had offered me the option of a deed in lieu. The time the offer was made was on XXXX XXXX via a letter sent to my home which was delivered by XXXX. The original offer for the deed in lieu included a {$3500.00} relocation clause. At that time, I told her that I had a short sale buyer for the house. The home retention coordinator proceeded to order an appraisal. In the meantime, my realtor submitted the sales contract to the home retention coordinator. She declined the initial offer stating that the appraisal came in above the short sale offer. After speaking with the home retention coordinator about the original offer, the realtor went back to the buyer and informed them that the offer was not accepted and the buyer resubmitted an offer for the appraisal amount that XXXX XXXX requested. When the home retention coordinator phoned me today ( XXXX/XXXX/2016 ) to state that the second offer had been rejected, I asked her why and she said because " the investor just does n't want to accept the offer. '' She then offered me the option of the deed in lieu for the second time

Company:
 the offer was reduced by {$500.00}. When I asked her why the original offer was reduced -- especially after I made a good faith effort to sell the house

ZIP_code:
 {$500.00} dollars of the initial DIL offer had been taken off the table. This conversation upset me and I told her as much and she proceeded to speak to me in a patronizing and belittling tone and said that I could either accept the offer or the house would go into foreclosure and that she would not talk to me about the matter any further. I felt that the home retention coordinator was threatening me and bullying me into taking a deal that might not be in my best interest and treating me as though I had no recourse except to accept her unprofessional treatment and tone towards me."


Date_received: 03/22/2016
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: Credit Card Receivables Fund Incorporated
State: GA
ZIP_code: 302XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and XXXX of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to XXXX of the theft incidents ; XXXX XXXX has made XXXX arrest. The XXXX XXXX Police Department has advised me to contact the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are :


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Barclays PLC
Issue: NY
Subissue: 113XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/05/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Now, I received a Letter from XXXX XXXX XXXX XXXX XXXX says that the card debt is {$440.00} and the account is listed as delinquent. Very scary and annoying. Please advise what I have to do. Thanks.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Auto
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: JNR Adjustment Company, Inc
State: NY
ZIP_code: 112XX
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 'm a victim of identity theft and someone open up account in my name they even rented a car in my name and now it 's on my credit report. JNR Adjustment, it was removed from my XXXX report but not from XXXX report


Subproduct: JPMorgan Chase & Co.
Issue: GA
Subissue: 302XX
Company_public_response: Consent provided
Company: Web
State: 04/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have been trying to modify my loan with them since XXXX XXXX. I have sent tones of paperwork in to them at their request. Each month, they come back with a different person asking for the same paperwork in a different format. I send all the paperwork electronically through their email XXXXXXXXXXXX. I am on a fixed income, unable to makeup the missed payment. XXXX continue to send threatening foreclosure letters to me via certified mail, but they are also accepting my payments every month. These practices are causing me health issues. I had a XXXX two weeks ago. I do not know what else to do. I can not sell or lease my house because the loan in XXXX was more than the appraised value of the house. The lender appraised my house for {$390.00} in XXXX, and it was only worth about {$190.00}. I now have a loan more than my house is worth. The collectors at XXXX are rude and nasty with the exception of XXXX XXXX. He understand my issue and can not explain why they keep asking me for the same paperwork over and over. I do not feel that XXXX is following the rules of the Making Homes Affordable Act. When I asked to speak to a supervisor, she simply told me she could not help me and maybe I ca n't afford the house, to get out before it 's to late to sale it. I told her I invested my life saving in this house and that I was only XXXX payment behind. She said too bad and hung up the phone. All of the documents I attached was sent to XXXX from XXXX to today.


Date_received: 04/11/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Application, originator, mortgage broker
Company: JPMorgan Chase & Co.
State: WA
ZIP_code: 985XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We filed a complaint with you before ( Case # XXXX ) regarding the second mortgage we had on our house. XXXX sent us a letter ( attached ) stating that Chase had improperly boarded the loan to XXXX and that they were closing their file. XXXX issued a cancellation of debt ( attached ). When we recently applied for a home equity loan, we found that Chase never released the lien against our home. As you know, this will limit our ability to access the equity in our home. What can be done to get them to release the lien? Thanks


Date_received: XXXX XXXX
Product: Loan Officer XXXX XXXX XXXX
Subproduct: XXXX
Subissue: you are hereby notified that any dissemination
Complaint_ID: Yes
Issue:
 MO XXXX Customer Service : XXXX LEGAL DISCLAIMER This email ( and any attachments thereto ) is intended only for use by the addressee ( s ) named herein and may contain legally privileged and/or confidential information. If you are not the intended recipient of this email


Product: XXXX
Complaint_ID: Yes
Date_received:
XXXX XXXX ( Head Of Processing Department ) Loan Approval : XXXX Loan Amount : {$5000.00} Loan Term : 24 months Monthly Payments : {$220.00} XXXX XXXX XXXX XXXX


Date_received: 05/11/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Company: Transworld Systems Inc.
State: GA
ZIP_code: 300XX
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 private student loan of {$40000.00} was issued in XXXX. Till date I have already made payments of {$26000.00}. However, the lender younomics claims that as of XXXX XXXX, XXXX, I still owe the full principal amount of {$40000.00} plus interest for a total of {$67000.00}. Further, I believe that the lender did not disclose the actual interest I would end up paying nor the breakdown of interest and principal. They knew at the time of signing the loan, that it was not reasonably possible to pay off the loan and that I would perpetually be in debt, yet they failed to disclose this fact. Moreover, I have been repeatedly requesting for more than a year, in writing and through phone calls, that the lender send me a copy of the loan contract. Each time the lender 's agents promise to that, but never send the documents, further evidencing that a full disclosure was not made at the time of issuing the loan and that they took took advantage of my vulnerability of prospective graduate student looking to get admitted immediately. Also, I have been repeatedly telling the lender and its billing company, that I want to speak to somebody with authority or the legal department for possibly revising the loan terms, that I was disputing the amount, and that they should not do an adverse reporting of my credit scores unless I spoke to that person. Yet, they went ahead and reported the credit agencies that my loan was delinquent for 3-59 days thereby adversely impacting my credit scores.


Date_received: 04/30/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: JPMorgan Chase & Co.
State: WV
ZIP_code: 260XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I just filed a complaint # XXXX on the wrong website for with the CFPB. IT was on Saturday XXXX/XXXX/16 and the chat was closed but I was angry about what Chase Bank was doing with my deposit. I deposited a {$50000.00} check from XXXX Hospitals Self Insurance on XXXX/XXXX/16. It was payment for money I had put out due to one of their doctors. When I deposited the check, my bank in XXXX, WV said the check would be put on hold for verification and would be available to me on XXXX/XXXX/16. The my accounts section on Chase.com said the check was on hold until XXXX/XXXX/16. Then I got an e-mail from XXXX XXXX, Senior Vice President at Chase Bank stating the money, MY MONEY, would not be available until XXXX/XXXX/16 and I could call XXXX option 1 which I did and spoke with XXXX. HE said there was nothing he could do because XXXX XXXX, where the check was issued, does not verify. My complaint is that Chase Bank is holding MY MONEY 5 days past the time stated on my deposit receipt. I am having XXXX on XXXX/XXXX/16 and may have a few things coming into the bank before XXXX/XXXX/16 and will now have to pay some things later than expected due to this Senior Vice President deciding to hold MY money for an additional 5 days. This is very disconcerting to me that they have the power to do this to a long time customer.


Date_received: 05/11/2016
Product: Credit card
Issue: Rewards
Company: Amex
State: NY
ZIP_code: 100XX
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 signed up for an account and was assured that when spending {$10000.00} I would be grand XXXX Membership Rewards points from American Express. After the points did not post properly I called in and was assured by multiple supervisors that I would get my points. I was just informed minutes ago that these points would not post. I am a bit confused as to why I was lied to by multiple supervisors at American Express.


Date_received: 05/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: OH
ZIP_code: 436XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This account was deleted from.my credit file due to the inability to verify the debt. Equfax has since reinserTed the account as negative.. I believe that this is retaliation for filing previous complaints against them for their credit reporting practices. The account is XXXX and XXXX XXXX


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Medical
Issue: Communication tactics
Subissue: Threatened to take legal action
Company_public_response: XXXX ( insurance )
ZIP_code: and the representative refused to tell me who he was
Submitted_via: or where they were located
Date_sent_to_company: until i provided my name and SSN
Company_response: I then hung up."
Timely_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_disputed: Bison Recovery Group, Inc.
Complaint_ID: NJ
Consumer_narrative:
On multiple occasions Bison collections sent threatening calls to me regarding service date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX i received a call from this company with XXXX agents on the line requesting for payment. I advised that I am unaware of these service dates. The agents continued to bully me on the line. They referenced that they can see my credit score, mortgage payments, and paid off student loans for my children. I continued to state that i am unaware of the service dates and would like a verification of validation. Another agent then told me that " I could be sitting on a lottery ticket and when can you begin to make payment. '' I was shocked and very bothered by this and was n't able to get a word in edge wise. I advised them of my XXXX XXXX and my XXXX started to affect me during the call. Another agent contacted me within hours and again requested for payment. I asked again for a verification of validation letter and he stated he could request but there was no guarantee and again insisted i make payment or they would sent the claim to their lawyer. I then asked if the agency could contact my insurance company at the time of service on conference call. The insurance agency stated they did not have a service date for my self or anyone in my family got the dates of service provided. ( This was a conference call with Bison Collections

Company:
 my daughter ( witness ) and myself. I then asked the representative at Bison to contact the doctor of which they stated the service was sent to collections and at first the Bison representative refused and stated it would be a conflict of interest. The agent then agreed to call the medical provider via conference call. The medical provider stated they would have to go through their archives but they did not see anything for the date of service XXXX/XXXX/XXXX nor XXXX/XXXX/XXXX

State:
 but would research. ( these calls were made on XXXX/XXXX/XXXX ) This call lasted about 4/5 hours. This collection agency is requesting round {$2800.00} for XXXX service date of which the medical provider nor the insurance company can seem to find. Bison Collections have yet to send any statements as well. I even request for certified mail to serve as proof of receipt. I am not aware of this bill and have yet to receive any statement nor verification of validation letters. As last week i continue to receive calls from this company requesting payment and i continue to request for statements. Today I tried calling the collection CO


Complaint_ID: Yes
Date_received:
2- On XX/XX/XXXX I started, with my counselor from XXXX XXXX XXXX for Homeownership, a program with Carrington to " catch-up '' my property taxes that were in the negative. The representative [ XXXX ]


Date_received: 3- Because of the Carrington 's Escrow 's many inaccuracies
Issue: Carrington Mortgage Holdings, LLC.
Subissue: OR
Consumer_narrative: 972XX
Company: Consent provided
State: Web
ZIP_code: 03/15/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 my payment [ PITI ] has never gone back to what it should be. I received a XXXX % Loan Modification through XXXX that brought my payment down to {$510.00} [ PITI ] and has never been this mortgage payment with Carrington. I would like to have an explanation of why I am not making my HAMP Modification payment of {$510.00}."


Date_received: 05/10/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Complaint_ID: Yes
Consumer_narrative:
I received an American Express/Skymiles card in the mail which I did NOT apply for, but which used my correct first and last name, although I always use my full name on any official document or contract. On the same day, an additional notice from AmEx came in a separate envelope which stated " We received your request to update your email address to XXXXXXXXXXXX '' ( this is NOT my email address ). Obviously

Company_public_response:
 the individual who opened this fraulent card account is the same individual who changed the email address ( which he/she did so before even receiving the actual card )


Subproduct: but I do not believe they were fully comprehended. So
Company_public_response: none would provide a last name
Complaint_ID: Yes
Date_received:
I requested : 1. That American Express close this account immediately. 2. That AmEx send notifications to the XXXX main credit report companies stating that this card was never solicited by me and that its issuance should not be considered should I request any form of future credit. 3. That they tell me what the recipient email address was changed FROM

Product:
 so that I could tell if my email address had been compromised as well. These requests were received by the represenatives

Issue:
 I requested : 4. That I be connected to an individual in the AmEx fraud department who was both competent and authorized to assist me. A supervisor was eventually put on the line who stated that the account would be cancelled

Subissue:
 but said that I would have to notify the credit bureaus myself. When I explained that AmEx would need to perform the notification on their letterhead or from a recognized AmeX online entity in order for the request to be taken seriously

Consumer_narrative:
 the supervisor had no idea what I was talking about. Of note is the fact that none of the individuals with whom I spoke would identlfy themselves by anything other than a first name


Product: the identity thief would have a month at minimum to max out the credit limit on the card. However
Complaint_ID: Yes
Date_received:
Several things were apparent to me which were evidently not apparent to the representatives at American Express. The individual who requested the card in my name ( obviously utilizing my correct mailing address ) could contact AmEx again via email and state that he/she had moved and that a replacement card be sent to their new address. It would not matter if the bill would eventually be sent to a possibly fraudulent address

Subproduct:
 the eventual failure to make payment would show up under my name since AmEx apparently is not going to notify the credit bureaus that the card is not


Product: after I refused to give my SSN but did give the rep the account number which was on the card
Complaint_ID: Yes
Date_received:
I called Amex again today ( XXXX XXXX ) to inquire if the card had been cancelled and whether the files had been annotated to indicate that I did not request this card. I was asked for my SSN


Complaint_ID: Yes
Date_received:
I did go online to the American Express website to try to find a stateside fraud department phone number

Product:
 but all I could find were robo-numbers. I believe a real fraud investigator would at minumum run a file search to see if any other cards were issued to anybody using XXXXXXXXXXXX domain name


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: how are they even in business?!"
State: Gatestone & Co. International Inc.
ZIP_code: AZ
Submitted_via: 852XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 04/27/2016
Complaint_ID: Closed with non-monetary relief
Consumer_narrative:
I set up payment plan and yet they keep calling everyday. They had told me the calls would stop as long as I make reoccurring payments. So I called them back to find out why the are still calling me and turns out my payments is going to them and not the company I owe. I had to talk to XXXX different representatives and XXXX had told me XXXX so I asked to speak with the manager who proceeded to call me uneducated because they lied and did not explain very well to me where my payments are gong to. They were all very rude and unprofessional. The first guy I spoke with demanded my card information. The " manager '' literally had me crying with how rude he was. And all XXXX of them would talk over me and then yell at me if I tried talk. I had to call my bank and tell them to unauthorized the transactions since they would not do it. Ummm is that even legal?!?!?!. I do not trust them whatsoever. And to make matter worst when I called XXXX they told me they should not be taking that much money for themselves. Horrible company


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company: Navient Solutions, Inc.
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
this is debt that have been fighting over this debit was suppose to charged to my insurance company once again I give the XXXX driver city of XXXX my insurance information and they did n't put the put the information in right and did n't put the right number in and did n't fell that is it my responsible to give to keep giving them my insurance information. it sad that all the hospital in XXXX can put the current insurance claim in. I do n't understand why it so hard to put the right information in right in the first place. an sick and tried of this company harassing for their mistakes. and what me to pay for their issues I did n't put the wrong number of information in their did that plus their XXXX drivers were very rude and being hateful I have a XXXX as well. I was born with XXXX and did n't like the way I was treated.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
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:
b. I have never PAID XXXX this amount Please Ensure that the Payment History and the Monthly Payment amount, is correct.


Date_received: 03/27/2016
Product: Credit card
Issue: Customer service / Customer relations
Company: TD Bank US Holding Company
State: CA
ZIP_code: 914XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX Credit card : received new card, but without receiving statements, nor any other notice of any kind although they had my email address, my phone and other numbers for text messaging purposes, reported myself being late. 1-Upon receiving a phone call on XXXX/XXXX/15 from XXXX about being late, I immediately on the same day made the full payment after reaching agreement that XXXX does not report myself being late and waiving late fees. 2-However XXXX did report to credit buroeus my account being late. 3 -- Subsequently I received on XXXX/XXXX/15 in damaged envelopes the previous XXXX statements which did not have any postmarks but according to USPS were damaged and therefore delayed.


Date_received: 05/11/2016
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: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I 'm not talking about The active XXXX XXXX account. You know exactly what I 'M TALKING About the closed the one that is closed I 'm looking at the same think that you are Looking at because I have the Equifax credit monitoring service and you see exactly what I see. Send me the info that I requested from you. You sent all this crazy mail to my box if you can send that Equifax why not send the original sign contract that give you the right to report bad info.. You keep saying the creditors I 'm not asking them I 'm asking you something the federal gov put in play to protect people like like Now quick with the XXXX and send it if you have!


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
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: 327XX
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 deceased husband had a Sears credit card, and I was an authorized signer. My husband passed away, and I declared bankruptcy. My bankruptcy was discharged by the court. Citibank/Sears continues to report the debt to XXXX and XXXX XXXX. My husband did not have any assets. Citibank has no legal grounds to collect this debt.


Date_received: 05/11/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company_public_response: CS XXXX XXXX
ZIP_code: additionally
Company_response: Fifth Third Financial Corporation
Timely_response: TX
Consumer_disputed: 774XX
Consumer_narrative:
On XXXX XXXX, XXXX I received a letter from Fifth Third Bank ( 5/3 ) stating ''a merchant security breach that may have compromise your debit card '' a new card is being issued, activate immediately & destroy old card. I activated the new card on/around XXXX XXXX, XXXX & destroyed the old card. I made a purchase WITH the new card on XXXX XXXX. On XXXX XXXX, XXXX I received a text ( & email ) regarding 'suspicious activity ' at XXXX Central Time. I responded & spoke with FRAUD department. XXXX fraudulent transactions are pending. XXXX transaction on XXXX/XXXX/XXXX & XXXX transactions on XXXX/XXXX/XXXX. Through further investigation I have been told that there are XXXX open cards on this account. I have NEVER requested MORE than ONE active card on this account! I requested a replacement card & to block all transactions on the card I believed to be compromised after 'suspicious activity ' ( XXXX XXXX? ) that I had seen on the account & have letterhead from the 5/3 ( came with the card used in the fraud ) stating " For your protection your current card will be deactivated upon activating your new card ''. I have been informed by 5/3 a 'supervisor '

Company:
 & Fraud XXXX ' that I am responsible for deactivating EACH card EVER issued to me. The 5/3 'supervisor ' stated the card 5/3 was notifying me about ( XXXX/XXXX/XXXX ) was a different card than the XXXX that was used for TODAY 'S FRAUD. I do NOT understand how MULTIPLE CARDS can remain ACTIVE when I applied for & have maintained

State:
 in good faith & standing XXXX CARD on XXXX debit/checking ACCOUNT! I immediately requested ALL open cards ( save the JUST activated ) be CLOSED. I have been told this has been done by the 'supervisor. ' I believe 5/3 CREATED this BREACH by permitting multiple cards to be active WITHOUT my explicit consent to have MULTIPLE cards ACTIVE on my SOLELY OWNED/PRIVATE account. I was engaged in a TRUST between me & Fifth Third Bank that 5/3 would manage my banking transactions. Having multiple cards ACTIVE without my written consent is a BREACH of my TRUST in their ability to professionally manage my transactions. This has created a HUGE problem for me by tying up funds that I had PLANS to use on XXXX XXXX as it will take UP TO XXXX -7 Business days for the fraud transactions to be assessed. Had ALL other cards been deactivated as the paperwork that came with the card used in the fraud stated ( old card will be deactivated ) - the previous letter of concern would have been unnecessary & the current fraud claims would never have occurred. Those charges would have immediately been declined on a 'dead ' card. This has

Submitted_via:
 dropped my account BELOW minimum balance requirements which may result in BANK FEES that could be assessed against my account. Thus marring my 'in good standing ' with my account."


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: Citibank
State: WA
ZIP_code: 980XX
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:
In fall of last year I opened a Citigold checking account with a promotional offer to earn XXXX XXXX XXXX miles. I met the terms of the offer but the XXXX bonus miles never posted. Citi continued deduct the $ 30 monthly checking account fees ( which they require until the bonus is paid out ). I contacted XXXX inquiring why my bonus miles never posted. They responded back that I had qualified for and had met the terms of the offer and they only needed my XXXX account number to credit the miles. I provided the XXXX account number and continued to wait, paying more exorbitant $ XXXX monthly checking account fees. I recently got another letter now stating they would not honor the promotion, claiming I was not targeted for the offer. Citi is well known for extending citigold offers to customers to entice them into paying exorbitant checking account fees and ultimately dragging their feet on honoring the promotion while collecting more fees. I have asked Citi to honor the XXXX bonus, but they have essentially told me to pound sand. If they would not honor the promotion I requested they refund the {$90.00} in checking account fees they extorted from me during this process. They also refused to do this. I have closed my account to avoid further fees.


Product: Company believes complaint represents an opportunity for improvement to better serve consumers
Subproduct: USAA Savings
Issue: FL
Subissue: 342XX
Company_public_response: Consent provided
Company: Web
State: 04/26/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I feel that since this is such a basic VA rule, the loan originator should have known it, and should have based the pre-approval the guaranteed amount, not my actual income. Had he done so, we would not have signed the purchase contract, and, more importantly, not have done the inspections on the house, which cost us {$430.00} out of pocket. Therefore, I believe that USAA is responsible for the loan denial and should reimburse us for the inspections fees, but they refuse to do so.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: U.S. Bancorp
Issue: TN
Subissue: 379XX
Company_public_response: Consent provided
Company: Web
State: 04/27/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have researched all the rules all the manner in which the time limits that the bank is supposed to comply to. Now the bank wants to make us look as if we have done nothing and all we have done is comply to every thing they have ordered us to do. The banks irresponsible actions should have a time limit to protect us from having to endure this foreclosure we need your help. This is a classic case of abuse U.S. Bank the negligence the inconsistent information, The undoubtedly replacing of employees should show a huge reason for the injustice that U.S. Bank is serving on us. I have contacted you, my Congressman and my governor and I 'm going to go the route again because this abuse is not fair to us who are trying to save our home. Please help, our case is exactly why this bureau was created and we truly need to see that it does stand for justice. Plus having to deal with all of the creepy companies stating that they can help you for money. Because all of this is published everywhere for anyone to find, and all we have done is comply to every request placed on us by the bank.


Date_received: 03/26/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
State: I sent a new letter to Genpact
ZIP_code: LLC
Submitted_via: informing them of this and stating once again that I dispute the debt. Two weeks later
Date_sent_to_company: the collector sent me the same letter they originally sent to me in XXXX XXXX
Consumer_disputed: Genpact Limited
Complaint_ID: TX
Consumer_narrative:
A debt collector, Genpact, LLC, contacted me in XXXX, XXXX, stating that I owed my former health insurance provider more than {$1600.00} for pharmacy claims that were submitted to the carrier - and for which the carrier paid - more than 30 days after the policy had been terminated. I had never been contacted by their client - the health insurance company - about this debt and the collector contacted me almost a year after the policy had been terminated. I sent a letter to the collector within the 30 days of receiving their letter, disputing the debt. I told them it was not my fault that the insurance company made an error and paid money on claims more than 30 days after the policy had been terminated. I requested the collector to provide written proof that I was financially responsible for this debt. The debt collector called me in XXXX XXXX and stated that they received " proof '' that the debt was mine. The "" proof '' they received was a phone call from their client

Company_public_response:
 asserting the debt was valid and belonged to me. I told the collector this was not acceptable and that the law requires them to provide proof that the debt belongs to me in writing. I then filed a complaint with the California XXXX XXXX 's office

Company:
 asking them to investigate this debt because it seems illogical that the carrier could accept and pay claims on a terminated policy and then try to collect the money from me almost a year later. The XXXX XXXX 's office opened an investigation. Immediately after this phone call

Company_response:
 with no additional proof of any kind that the debt belongs to me. I feel they can not obtain proof from their client that the debt is valid and they are harassing me."


Date_received: 03/30/2016
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: 104XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Experian is listing a XXXX account as open. I am longer a XXXX customer. I switch to XXXX in XXXX 2015. XXXX was supposed to have paid the remainder of my bill as part of their Cut Your Bill in Half promo. This XXXX account should be closed and removed from my credit report. I am no longer a XXXX customer so why is this acct being listed as open on my credit report.


Date_received: 05/11/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: Equifax
State: TX
ZIP_code: 787XX
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 disputed this account many of times. To verify my social and DOB and name is not validation to the debt. This account has been removed by XXXX and XXXX. I have made outreach to XXXX XXXX on XXXX/XXXX/16 and I never received any documents showing I owed this debt. I have sent screenshots of my communication with the collection agency. If they ca n't provide documentation then the account can not be reporting on my credit report. Anybody can say I owe debt and have my social name and DOB but with out proper documents what does that mean ... nothing I will show proof that I have reached out many of times to the credit bureau and the collection agency. Still to this day I never received anything. I was getting the run around about when they were being sent to me.


Date_received: 05/12/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: FL
ZIP_code: 335XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am in foreclosure. I was offered a trial modification plan with the first payment due XXXX XXXX, 2016. I had a XXXX and was in the hospital so I was not able to make the first payment on time. I called OCWEN loan servicing and was told that I could submit the payment on XXXX XXXX. On XXXX XXXX, 2016, I submitted both the XXXX XXXX, 2016 and XXXX XXXX, 2016 payment for the trial plan with the signed trial plan. I was then told by OCWEN that this will not work and they still plan on selling my home on XXXX XXXX, 2016.


Date_received: 04/21/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Commercial Acceptance Company
State: PA
ZIP_code: 189XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I was told I was a cosigner for my brother but I never recieved any proof. Also if that is the case why did the collection agency process a wage attachement through proper procedures for not paying rent. They have his social security number, work place all the information they need to cllect from him instead I was harassed and I recieved no paper work. I am XXXX I have n't worked since XXXX XXXX, 2004 thst is the precise date I was XXXX.


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: 750XX
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: No
Date_received:
SO THE ONLY THING I COULD DO TO PREVENT ANYMORE FRAUDULENT CHARGES IN MY ACCOUNT WAS TO LOCK THE CARD WHICH A FEATURE THAT BANK OF AMERICA HAS ONLINE TO PREVENT USAGE OF THE CARD. I CALL THE NEXT BUSINESS DAY TO DISPUTE THE TRANSACTIONS AND A COUPLE OF DAYS LATER I WAS REFUNDED HALF OF THE AMOUNT IN WHICH BANK OF AMERICA A COUPLE OF WEEKS LATER HAD TAKEN BACK THE CREDITS REFUNDED IN THE AMOUNT OF {$1500.00} SAYING THAT NO ERROR HAD OCCURRED BECAUSE MY PIN WAS TYPED IN CORRECTLY ALLEGEDLY WHEN I AM THE ONLY AUTHORIZED USER HOWEVER DUE TO BEING OUT ON THE WEEKEND, IT WAS POSSIBLE FOR SOMEONE TO HAVE BEEN OVERLOOKING MY SHOULDERS BECAUSE THAT IS THE SAME TIME THAT MY CARD WENT MISSING WHEN I WAS WITH A GROUP OF FRIENDS AND FRIENDS OF FRIENDS. I HAVE ASKED THEM TO TAKE ANOTHER LOOK AT THE CASE AS THIS WAS CLEARLY FRAUDULENT AND SOMEONE HAD COMPROMISED MY INFORMATION TO EXTRACT FUNDS THAT I HAD NO PRIOR KNOWLEDGE TO NOR HAVE DEALT WITH BEFORE AND SO BANK OF AMERICA DENIED MY CLAIM AND REFUSED TO GIVE ME MY MONEY AND STILL IS AN ONGOING FIGHT TO GET MY MONEY BACK THAT I DID NOT PARTICIPATE IN OBTAINING AND THAT I AM A VICTIM OF FRAUD.


Date_received: 04/14/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: TX
ZIP_code: 761XX
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:
Equifax previously deleted an account from my credit report and sent me a letter stating that the account # XXXX had been deleted from my credit report. Upon checking my new credit report with the confirmation # XXXX, I noticed that the account that had been previously deleted from my report was now reinserted to my account. From that point I went to the original creditor at XXXX XXXX XXXX XXXX on XXXX/XXXX/2016 at XXXX and spoke to XXXX XXXX who is the Member Service Supervisor. I told her about the current account # XXXX that was showing up on my credit report. She confirmed that the account # XXXX is tied to account # XXXX, and even printed out a copy, wrote a note on my form ; as well as sign and date the form for me. On XXXX/XXXX/2016 at XXXX, I called Equifax and spoke to XXXX . I informed her that my current credit report is showing information from an account that was previously deleted from my credit report. I then proceeded to ask her if the creditor sent Equifax a certification of accuracy on behalf of the account, and she stated that she did not have a clue as to what that was, and that the creditors do not have to send any of that type of information. She stated that if there is a discrepancy about anything pertaining to negative information ; Equifax does not have to personally call and speak to anyone ; they communicate electronically. I informed her that my consumer rights have been violated, because Equifax did not receive any type of certification of accuracy from the furnisher, and I was never mailed anything within the 5 business day time span in order to inform me that previously deleted information was being re-inserted on my credit report. That is my legal right. I told her that if she is unable to delete the information, then I would like to speak to a supervisor who can make a call to verify that those XXXX account numbers are tied to together in order to delete the account from my credit report. XXXX put me on hold for a few seconds and came back and stated to me that she ca n't reach a supervisor, and that she does n't know what to do. When I asked to speak to another supervisor, she stated that she ca n't find one. When I informed her that I was going to submit a complaint to Consumer Financial Protection Bureau because my consumer rights have been violated, then she found an alleged supervisor and transferred me to XXXX. When I explained everything that occurred to XXXX, he stated that he was not going to make any calls on my behalf to clear up this matter. He stated that Equifax is going to go with whatever the furnisher send them, because they are the customer. When I told him about how my rights had been violated, he took my livelyhood and the seriousness of this matter as a joke. When he thought that he put me on hold in order to process the dispute ; I heard him laughing, making fun of me/my situation, and playing with coworkers in the background. When I brought this to his attention he said in a joking and sarcastic tone that he was n't not laughing and making fun of me and my situation with his coworker ; but you could hear his coworker in the background still laughing. I am so disappointed at the way that I have been treated during this whole scenario, because all of the professionalism is gone. I do n't even feel like I can trust Equifax , and it so scary to know that they have complete access to all of my personal information ... .but I was treated like a joke. I am so hurt and I need you to help me fix this. I am so lost for words due to all the pain that I am feeling from this. I have included copies of the previously deleted information, the letter from the original creditor showing that the XXXX accounts are linked together, and a copy of my current credit report, showing that the negative account is still there.


Date_received: 04/25/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: New Century Financial Services, Inc.
State: NJ
ZIP_code: 080XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I filed a complaint with you against XXXX & XXXX and sent documentation of the paid debt to you. They were still allowed to take money out of my bank account and place holds on my motor vehicle registration until I paid the amount they listed. After seeing your action dated today I am wondering if I will receive any of the money taken from me. I also have an additional complaint ( # XXXX, Merchandise Credit Guide ) with you that I have not received any response from. I am concerned that the penalties received are not being given to the people wrongfully strong armed into paying and not receiving the money back. Please reply.


Date_received: 04/15/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: JPMorgan Chase & Co.
State: VA
ZIP_code: 201XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In reference to a previous case with cfpb XXXX this loan is not involved in a active litigation. Complaint and Request for Qualified Written Response ( QWR ) from J.P. Morgan Chase


Date_received: 05/03/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: ME
ZIP_code: 049XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX Ocwen paid my taxes and homeowners insurance when I was not behind on the payments, increasing my payments to an unaffordable payment. I struggled to make my payments and got behind. Ocwen had me apply home modifications to help make my payments affordable, three times, but they knew I would not qualify for a modification as I had a previous modification done in XXXX. My loan is only allowed one modification per the lifetime of the loan. I have been going through this for several months now. Now, they are saying my PITI payment is {$2000.00} with a breakdown of {$950.00} P & I and {$1000.00} of escrow, BUT my annual taxes are {$2800.00} which equates to a monthly amount of {$240.00} and they can not tell what the additional {$810.00} of my PITI payment is. They could not answer if I have forced placed insurance, but I have paid my own policy with XXXX and it has never lapsed. Please help.


Date_received: 04/16/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company can't verify or dispute the facts in the complaint
Company: Southwest Credit Systems, L.P.
State: LA
ZIP_code: 701XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/16/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
I have the same name as my father, he had internet service with XXXX in 2013. He informed me he closed the account. This may have been a credit file mix up but i assure you this is not my debt. I recently discovered this earlier this week. I need this removed immediately because this is effecting my credit and I have nothing to do with this. It was falsely put onto my credit report and I had no idea.


Date_received: 05/04/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: FirstMerit Bank
State: OH
ZIP_code: 443XX
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 had XXXX accounts at first merit bank for over 20 years. 10 years ago I started selling items for individuals and occasionally have small estate sales. My accounts have always been individual rather than business accounts. In XXXX the bank manager said the bank flagged my account for having too many checks deposited. She informed me they wanted me to change to a business account or to supply 2 years of tax returns to prove I was claiming income from the liquidation of personal property. I complied and gave XXXX ( the other manager ) 2 years of my tax returns which were supplied by my accountant. I had assumed since I had shown that, in fact, I had claimed all income the issue with the accounts was resolved. A few weeks later I received XXXX certified letters stating that all of my accounts were being closed. Quite stunned, I called first merit and spoke with XXXX ( downtown ) and she said they were closing my accounts. I asked why. She said they did not need to explain why because they could terminate a relationship with any of their clients at any time. I had explained that I supplied what they had requested from me, and still wanted to retain my accounts. She said she would submit a request to keep the accounts open & would check to see where my 2 years of tax records showed up. I called her back 3 days later and she said since I did not give them the tax records ( which in fact I did ) as XXXX another teller at the branch confirmed that I did, they were still closing the accounts. I was never given an honest or appropriate reason that the accounts were being closed. I had done what they asked me to do. I believe this is CLEARLY a case of DISCRIMINATION and would like to allow the First Merit bank to explain their actions before I escalate further action against their institution.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Ally Financial Inc.
Issue: CA
Subissue: 930XX
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 will definitely avoid Ally Financial ( www.ally.com/auto or XXXX ) in the future. To be clear, other leases with other financial institutions I have had were no problem to end.


Complaint_ID: Yes
Date_received:
The property sold on XXXX/XXXX/12 for {$120000.00}. A logical person would ask, " How the heck did they come up with that unusual sales price? '' This was the exact amount needed to fully satisfy Seterus ' payoff demand so there would be no short sale and I would n't walk from close with any cash. Seterus ' payoff demand was {$110000.00}. My principal balance was {$110000.00}. Seterus was paid their full payoff demand which was significantly more than my principal balance and yet


Complaint_ID: Yes
Date_received:
I have reached out to Seterus and the credit bureaus several times ( I am attaching my most recent request ) to get this fixed but Seterus has refused to change their reporting and I have never received an explanation of how they consider this a short sale when clearly


Subproduct: but all I get in trying to talk with Seterus is a fax # to which I have submitted my complaint
Complaint_ID: Yes
Date_received:
I believe the problem is that the sale started with their short sale department and we were told it had to be closed by the short sale department ( even though at the final sales price it was n't a short sale ). But once it started with the short sale dept and was closed by them

Product:
 it automatically just got classified in their system as a short sale. And no one at Seterus seems interested or cares that this erroneous reporting is very damaging to my credit and ability to refinance my house. It seems pretty cut and dried


Date_received: 04/15/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Shopping for a loan or lease
Company: Ford Motor Credit Company
State: TX
ZIP_code: 773XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I purchased a XXXX Ford Mustang GT from XXXX and XXXX Ford. In the closing stages of financing, the loan officer offered me a package that included gap insurance and an extended warranty for {$1300.00}. I accepted but after financing was done and I reviewed my paperwork it showed that I was charged {$1300.00} for an extended warranty and another {$700.00} for gap insurance. I told the finance manager what happened and he offered me a warranty program for oil changes for 3 years or XXXX miles which ever came first. He drew up the paperwork and we both signed and I still have my copy. The company that handles warranties for Ford does not have this agreement on file. I 've spoken to the finance manager twice and nothing has changed.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Barclays PLC
Issue: PA
Subissue: 189XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Barclaycard is now saying they will charge me an annual fee on this new card - the one that I canceled and never reapplied for. Basically, they are starting a line of credit in my name, that has an annual fee attached, without asking, and on the basis of an account I had previously closed. I will call and cancel the already canceled card once more, but I should not have to take time to do this again. Additionally, how do I know they will not reactivate my account again without permission? Please address this unethical, and I assume illegal activity.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: MD
Subissue: 211XX
Company_public_response: Consent provided
Company: Web
State: 04/20/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
- XXXX stated she would place a note on collection file, process info and to allow 2 billing cycles for charges to be investigated and be removed, case # XXXX.


Subproduct: JPMorgan Chase & Co.
Issue: NJ
Subissue: 088XX
Company_public_response: Consent provided
Company: Web
State: 04/27/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I would like for this complaint to be against both Chase Bank who allowed a company access to my account without the appropriate permission from me as well as against XXXX XXXX who sold me a service that does n't exist.


Date_received: 04/26/2016
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: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Bank of America has not provided any information of whats the cause of them putting me on XXXX, I have requested for them to send me any paper work for over 16 Months and BoA Just keeps telling me that there 's nothing on there system reporting me as fraud


Date_received: 03/28/2016
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: PA
ZIP_code: 180XX
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 disputed a collection account from XXXX on my credit report to experian, they responded that they verified the account, but somehow XXXX could n't verify the account. So who 's wrong? I say XXXX, cause as I stated in my original dispute the account was incorrect. So how did XXXX verify an account another credit reporting agency could n't? Does Not exactly explain out very well.


Date_received: 04/25/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: stating we are more than 50 % complete. The repairs were fix plumbing
Company: mold remediation
State: fix floor
ZIP_code: rebuild kitchen. Plumbing is fixed
Submitted_via: mold is gone
Date_sent_to_company: approx XXXX sq feet of XXXX sq feet have been tiled and grouted
Company_response: permits for kitchen pulled
Timely_response: appliances
Consumer_disputed: cabinets
Consumer_narrative:
We are repairing our Kitchen and flooring under an insurance claim to address water damage. USAA, our mortgage company, is unreasonably holding our claim money and preventing us from paying our contractor. It was very difficult to get OUR money from them to even begin the work, and will only give us add'l money once we are " 50 % '' complete ( as they define it ). We have signed affidavit from our contractor

Complaint_ID:
 and counter ordered. They wo n't return our calls to schedule and inspection to determine that more than 50 % has been completed. They have been rude and uncooperative. This is OUR money ... we 've done nothing wrong. We 're just trying to get our house fixed. Because of this


Date_received: 05/02/2016
Product: Credit card
Issue: Customer service / Customer relations
Company_public_response: which for us would be no problem. According to them
State: we never knew anything was taking place. A new card came at that time
Date_sent_to_company: XXXX in all. In my words
Company_response: they STOLE the rewards points. I find this HIGHLY unethical
Timely_response: mean spirited to a long time loyal customer
Consumer_disputed: and bad business practice as they refused to reconstruct the program to what it was
Consumer_narrative:
For 32 years we were a loyal, dedicated, exclusive customer for American Express. We paid them about {$100000.00} per year on average ( sometimes way more ). We used their Rewards Program sparingly, and only when absolutely necessary ( for example to pay for a last minute critical airfare ). According to them, XX/XX/2015 they revised the Rewards program we participated in. According to them we were notified multiple times via mail. Nobody here recalls seeing anything. The new revised program required us " opting in '' to maintain our point balance of XXXX. The fee was going from {$110.00} per year to {$170.00}

Company:
 by not "" opting in '' we reverted to a non-reward program at {$95.00} per year but would lose all accumulated reward points. As I said

ZIP_code:
 but it was a chip bearing card and we assumed it to be just the chip making it necessary to send out. Last weekend

Submitted_via:
 we found out by accident ( trying to book hotel rooms ) that "" there were no points any more ''. They had cancelled and taken 32 years of accumulated reward points

Complaint_ID:
 even at maybe a nominal cost to me ( for missing something I NEVER saw ). So that 's how American Express treats it 's great long time customers. Let 's let everyone know. This looks like a nice plan to get rid of as many open Rewards points as possible without honoring their intent. Great management decision."


Date_received: 04/15/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: VA
ZIP_code: 233XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
BOA should be investigated for their overdraft fees and collections practices. How is it legal to charge fees on items that were deducted from your balance prior to an actual overdraft? I had charges come out and deduct from my funds prior to a charge which resulted in an overdraft. fees were added to transactions prior to the overdrafted item. fees are added from an extended overdraft but how can you expect me to pay over {$400.00} when my overdraft was roughly XXXX? when speaking with customer service, the rep provided every answer possible without incriminating boa. I used to actually work at boa for 5 years and never had issues such as I do now that I am no longer employed with them. the fees charged is absolutely ridiculous. I get charged fees for transferring funds from my own accounts! did n't boa get sued for this before? How are they able to continue doing so? their business practices are the reason people HATE you.. the reason people try and get away from you! the reason I am ashamed to say I used to work for you! the last time I had this issue, just a few months ago I might add, I submitted an executive complaint, was assigned a rep to resolve, who frankly told me on the phone that not one fee should have been incurred. this was after I was told via a general customer service manager that if I wanted to avoid fees to stop over drafting my account. I am sure she is still employed by the way. I have had multiple fee refunds in 2015 because of bank of America errors. but mystically they are not coded as an error so when the next rep goes in to next time it happens, it shows waived as a courtesy.. WHAT?? what courtesy do you provide me? the courtesy of having the pleasure speaking with your rude customer service reps who you can tell hate their job? the only time I am treated with even an ounce of respect is when going through the chat option which is probably because it is in writing and not verbal. I would like a scrub of my account.. I want the fees to be returned. there were XXXX transactions that happened that actually overdrafted my account, in turn means XXXX {$35.00} fees, yet I have XXXX! I have fees on my savings from transferring to savings or simply having a savings.. I am done.. if this is not resolved permanently, I will most definitely be the next to sue. you take money from me with my direct deposit that should n't be yours! to have XXXX fees refunded is a slap in the face. I 'm am so tired of having to do this with boa every few months. please investigate bank of America. this needs to be stopped.


Date_received: 04/25/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Taking out the loan or lease
Submitted_via: Big Picture Loans, LLC
Date_sent_to_company: FL
Company_response: 349XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
I recieved a preapproved application in the mail about a loan for XXXX from Big Picture Loans company.i applied and was approved for the loan without much effort ... In the final documents and truth in lending info, there is a section telling you how much you will pay in a payoff balance which was a reasonable XXXX dollars and is what i was led to believe would be the final amount i would pay along with original loan amount of XXXX dollars by the time the loan was paid in full ... But as of today after reviewing my documents, i found out that you have to scroll all the way down the " truth in lending '' section

Company_public_response:
 which should be called the "" truth in hiding '' section since i had no idea this info was down here or i would have rejected this loan immediately

Company:
 and i find that these people actually expect me to pay almost XXXX for an XXXX dollar loan at 887.877 % interest..thats not even legal ... That is simply not going to happen and these crooks should be stopped for their predatory lending practices ... Unfortunately

State:
 i now have to go to my bank and describe the problem to them and avoid this obscene situation alltogether ..."


Date_received: 05/11/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Trident Asset Management, L.L.C.
State: MD
ZIP_code: 216XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have asked Trident Asset Mngmt to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Subproduct: Fifth Third Financial Corporation
Issue: IA
Subissue: 500XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX/XXXX/2016 XXXX - Suit or Judgment New Suit or Judgment information has been added to or changed on your credit file.


Date_received: 04/21/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Application, originator, mortgage broker
Company: PHH Mortgage
State: TX
ZIP_code: 781XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The lender we used to close on our home mislead us in the closing process. They continuously gave us the runaround and the final numbers on the closing disclosure were significantly different from what the lender told us in the beginning. The lender overlooked several items causing multiple delays in the closing process. We did not see the final closing disclosure until we walked into the title company. I would not recommend Coldwell Banker Mortgage to any of my friends and family. This was the most stressful financial transaction I have ever made.


Subproduct: URS Holding, LLC
Issue: NY
Subissue: 117XX
Company_public_response: Consent provided
Company: Web
State: 04/26/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
In addition, they recently called my sister in law and told them they were a debt collector looking to collect a debt, and could she give contact information or pass that on. I was under the impression they are not permitted to disclose that information to a 3rd party.


Date_received: 03/28/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Experian
ZIP_code: NC
Submitted_via: 275XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 03/28/2016
Complaint_ID: Closed with non-monetary relief
Consumer_narrative:
In XXXX 2015 I reported to Experian that XXXX XXXX had incorrectly added a late payment to my credit report after advising me to make a payment after they modified my mortgage payment after a randomized " escrow analysis '' in the middle of a billing cycle. After the corrected the balance due

Company_public_response:
 I promptly made the payment and then they sent the late payment report to the credit bureau after telling me multiple times that it would not be late. I had representatives agree with me on the phone and then never correct this on my credit and I am appalled. I want this removed. I have tried to have this reopened by Experian and their site will does n't accept the uploads. XXXX has done this twice on my credit report after 10 years of paying my mortgage on 10 without one late payment. It 's unfair and needs be stopped and Experian should look at the documentation of consumers closely."


Complaint_ID: Yes
Date_received:
So here is my question : Is this a legal practice in which banks may choose to engage? Because it seems to me that this is just another way to manage the "" float '' at the general public 's expense. Instead


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: FL
Subissue: 337XX
Company_public_response: Consent provided
Company: Web
State: 05/04/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have XXXX this place in XXXX and sent letters to any addresses I could find.


Date_received: 04/17/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: the embarrassment due to being denied credit."
ZIP_code: Equifax
Submitted_via: VA
Date_sent_to_company: 236XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/17/2016
Consumer_narrative:
Equifax continues to report inaccurate information on my credit report in regards to XXXX XXXX XXXX. I have submitted a request for re-investigation with this credit reporting agencies and this is my third attempt to get this inaccurate information removed from my report. There are multiple inaccuracies in this reference to XXXX XXXX XXXX. First, the delinquency data is inaccurate as the date of delinquency was in 2011. Second, the balance owed is inaccurate as the balance is {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from the company indicating that they are in possession of this debt. The Fair Credit Reporting Act states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act states that debt collectors may not use " false

Company_public_response:
 deceptive or misleading representation '' to attempt to collect a debt which XXXX XXXX XXXX is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention


Date_received: 05/05/2016
Product: Prepaid card
Subproduct: General purpose card
Issue: Unauthorized transactions/trans. issues
Company: the change in denied me of services for which XXXX XXXX XXXX billed. Upon realization
State: I contacted XXXX XXXX XXXX XXXX
ZIP_code: spoke with XXXX ( ID # XXXX ) and received Case Number XXXX
Submitted_via: XXXX XXXX
Date_sent_to_company: XXXX
Company_response: approved by his manager XXXX ( ID # XXXX ). Per direction
Timely_response: I contacted the credit card companies for which the charges were tendered to XXXX XXXX XXXX XXXX
Consumer_disputed: due to XXXX XXXX XXXX XXXX Fraudulent Billing. One of the credit Card companies being
Complaint_ID: American Express Serve. American Express Serve was very unprofessional
Consumer_narrative:
On or about XXXX XXXX, XXXX XXXX XXXX wireless merged my cell phone account, acct # XXXX, was merged to account # XXXX, without authorization. The " unified account ''

Company_public_response:
 was merged with a "" ghost '' or "" non existent '' Account. This unauthorized "" unification '' caused numerous and ongoing billing issues. These billing issues resulted in XXXX XXXX XXXX being unjustly enriched. Additionally


Date_received: Rescission of contract to XXXX XXXX XXXX XXXX for failure to provide contractual services
Product: unjust enrichment and other violations Under Maryland law
Issue: XXXX Md. XXXX
Subissue: XXXX ( XXXX )
Consumer_narrative: quoted in XXXX v. XXXX XXXX
Company_public_response: XXXX
Company: XXXX Md. App. XXXX ( XXXX ). "" The doctrine of unjust enrichment is applicable where a party
State: upon the circumstances of the case
ZIP_code: is obliged by the ties of natural justice and equity to refund the money
Submitted_via: and give rise to the policy of restitution as a remedy. '' XXXX v. XXXX XXXX XXXX
Date_sent_to_company: XXXX
Company_response: XXXX Md. App. XXXX ( XXXX ) ( citations omitted ) ; XXXX
Timely_response: XXXX. has tendered accordingly to XXXX XXXX XXXX XXXX."
Complaint_ID: Amex
Subproduct:
 a claim of unjust enrichment is established when : ( 1 ) a party confers a benefit upon another ; ( 2 ) the benefiting party knows or appreciates the benefit ; and ( 3 ) the benefiting party 's acceptance or retention of the benefit under the circumstances is such that it would be inequitable to allow him or her to retain the benefit without the paying of value in return. XXXX v. XXXX


Date_received: 04/28/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Taking out the loan or lease
Company_public_response: borrow the money from a family member
Company: win the lottery
Date_sent_to_company: Citizens Financial Group, Inc.
Company_response: OH
Timely_response: 441XX
Complaint_ID: Consent provided
Consumer_narrative:
I applied to Citizens Bank to take advantage of their Citizens Bank Education Refinance Loan I have never missed a payment on any credit issued in my credit history. I am up to date on all credits issued. I have a credit score of XXXX and I was denied an Education Refinance Loan. I feel that Citizens bank has violated the regulations of the Unfair and Deceptive Acts and Abusive Practices I feel they have Bait and Switched what they claimed would be a chance to repay my student loan in a timely matter. When I called to ask questions I was told by the person on the phone " Well it looks like you have XXXX options to repay your loan

State:
 or die '' I feel this was a way of them saying that they do not think that my life or my wanting to better my financial situation is worth the time to actually look at my credit report and see that I should have been approved for this loan

ZIP_code:
 and with out a shadow of a doubt that repayment would be fulfilled according to the terms of the loan. I find the way that I was spoken to on the phone and the way that my application was denied with my great credit history and payment history again is violating the Unfair and Deceptive Acts and Abusive Practices regulations and a Bait and Switch scam."


Issue: Navient Solutions, Inc.
Subissue: CA
Consumer_narrative: 953XX
Company_public_response: Servicemember
Company: Consent provided
State: Web
ZIP_code: 05/05/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
I have reason to believe Navient is exercising unfair practices to get me to pay for loans that were designed to be impossible to pay off. In one of the documents they state they have "" updated the terms of my loan ''. I will get this messge about every quarter

Product:
 is it normal for a company to change the terms of an agreement whenever they want? It seems very suspicious."


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Nationstar Mortgage
Issue: MN
Subissue: 551XX
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 then found renters for the price of the Maintenance Fees plus utilities but naturally before they could move in I had to fix the leaks, rip out and repair the garage ceiling ( to get at the broken pipes and replace the locks, thankfully I had the skills to do so. This included cutting out the damaged split copper pipe and soldering in new sections. It required XXXX of us us working over 40 hours to make the place livable.. A significant portion of the garage ceiling needed to be removed, the leaks fixed and the ceiling replaced. The Townhome is finally scheduled for a Sheriffs sale on XXXX/XXXX/XXXX. The home has been cared for and given back to the bank in much better condition than they themselves allowed for.


Date_received: 04/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: TX
ZIP_code: 787XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
There are several items on my report reading " in-dispute ''. While I did ask for more information at one time I never disputed the results sent to me. This is now causing me a problem with mortgage approval"


Date_received: 04/27/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Taking out the loan or lease
Company: Toyota Motor Credit Corporation
State: TN
ZIP_code: 371XX
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 purchased a car with my daughter from Toyota of XXXX on XXXX XXXX, 2016. Around a week after being approved i questioned the finance terms that were in our loan. The next thing i know they are trying to make me pay to be financed at a lower rate thru a different lender than i was already approved for. I declined the offer for several reasons but now 3 weeks later Toyota calls me saying that Toyota motor credit wont allow my original loan to be processed because I 've been offered a better deal. Fair lending laws wouldnt allow it so i had to sign the new contract. Even though we where not even informed about the terms of the new contract until the day that she called saying my loan wasnt approved. She claimed to have offered to lower the sale price of the car as well as lower the price for the warranties and extra coverages that were included in the car loan while we were talking in her office but she never mentioned any of this to me or my daughter when we sat on her office. All she mentioned was lowering the interest rate to 7.5 % upon approval which would save us {$40.00} a month to equal {$3000.00} over the whole term of our loan. The finance company has done nothing but mislead me at this point as well as attempt to charge me unnecessary amounts of money to get financed for a car. When the finance manager kept insisting that i sign the new agreement i began to feel threatend especially when the she said that she would send somebody to me to get the papers signed by me. Thats when i informed her that i was seeking legal advice. I have attached supporting documents. Please help


Date_received: 05/10/2016
Product: Credit card
Issue: Billing disputes
Company: Encore Capital Group
State: GA
ZIP_code: 314XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
My complaint is against Midland Funding LLC of XXXX XXXX.a credit card company. I received this card I believe around 2002 maybe or earlier. My question is what is the statue of limitations for the state of XXXX for credit card collection and who is in charge of how much these companies are allowed to pile on additional charges. My initial credit limit was {$350.00} with the XXXX withheld for some type of annual fee. Needless to say whenever I have received collection letters from various companies about this debt the cost on this account continues to rise. I have refuted this debt several times. The amount that they are trying to collect is XXXX plus XXXX court charges. Since this account has passed through so many different hands no one seems to know where the additional charges are coming from or they are not willing to find out. What are my rights as a consumer and who can help me with this 14 yr old debt. The company that is presently collecting is XXXX XXXX XXXX, XXXX ( XXXX ) XXXX in XXXX , XXXX XXXX.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
When I get my credit report on XXXX, after I entered my information and the report has someone else 's credit report such as XXXX XXXX or some other loan. I 'm an XXXX and I came to US from XXXX 2013. I only have XXXX cards these years and never use loans or other cards.So it 's definitely not me. Today I applied for an XXXX card and would like to see my credit history and I found that problem. So may I ask someone to help me check my credit report and fix it? Thank you so much in advance.


Date_received: 04/25/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Company_public_response: Company believes complaint is the result of an isolated error
Company: Sallie Mae
State: NY
ZIP_code: 115XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
i have XXXX total loans from sallie mae. I made my 2 first months payments and i realized it way to high for me to afford. i made countless attempts over the phone to get them to help me make reasonable payments. they are very hard to speak to, never get the job done. i payed to be in forbearance so i can save up to be able to pay off the monthly loan payments which equal out close to a {$1000.00} a month. i barely make XXXX a year. they made me pay {$50.00} per loan to enroll me into forbearance. Then a few days after they started calling me for payments and they said sorry we made an error. They re read the terms and made me accept and them said they will mail me a typed letter telling me I am in forbearance from XX/XX/XXXX-XX/XX/XXXX and my payments will resume in XX/XX/XXXX. then letter stated otherwise saying the forbearance term is from XX/XX/XXXX-XX/XX/XXXX. I called them to correct it because i made my XX/XX/XXXX payment and agreed to a XX/XX/XXXX-XX/XX/XXXX in forbearance. They said do n't worry we got you covered. a few days after they called and said we cant enroll you in forbearance in all XXXX loans. The rep had made a mistake. So basically, they are n't making any efforts to resolve this issue and help me make my affordable monthly payments. please help me. im a student with $ XXXX in loans and i want to do my part in paying but i ca n't afford what they want from me.


Date_received: 04/06/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Company: Navient Solutions, Inc.
State: CT
ZIP_code: 066XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My Student loan originally was a Loan, Navient took over the loan and now is a credit line and all my payments went to pay interest. I never signed for this change.


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 been approve a capital one credit card after been approve they froze the account because I have cards as join account and they think it 's fraud but any way the problem now after summiting my personal information they do n't accept my passport because they said its from different country they are so XXXX ...


Date_received: 05/06/2016
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: BB&T Financial
State: NC
ZIP_code: 282XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I 've been unemployed for a while and myself and the spouse has been paying the mortgage. There were only once source of income in the home and my spouse was paying the mortgage on time. For some apparent reason I made arrangement and kept those arrangements and they have reported me to the credit bureau for no reason because the payments were made prior or before it gets to the credit bureau.XXXX


Subproduct: now Navient
Complaint_ID: Yes
Date_received:
I now have a secure job and I have been making payments and each month I pay what I can and the principal NEVER goes down. As a young consumer at the time of this loan I feel like I was taken advantage of by XXXX XXXX. It is n't that I do n't want to pay my loan

Product:
 it is more that I have made payments for XXXX years and my loan balance has n't decreased a cent. XXXX XXXX

Issue:
 simply collects money from me every month and calls the program a way to help consumers. This does n't HELP consumers


Product: the Rate Reduction Program
Complaint_ID: Yes
Date_received:
I reached out to them to see if we could settle this account for a smaller amount and they declined. I filed a complaint with the XXXX about their predatory lending techniques and they sent me a letter with the promissory note included. According to a XXXX XXXX XXXX with the Office of Customer Advocate


Date_received: The problem is
Product: the Rate Reduction Program DOES NOT help consumers repay their student loans
Complaint_ID: Yes
Subproduct:
 it helps make the pockets of Navient thicker by collecting "" interest only '' payments from those who are financially struggling. Here is an idea Navient


Date_received: As I said before
Product: I want to pay my debt back
Subissue: Navient Solutions, Inc.
Consumer_narrative: TN
Company_public_response: 370XX
State: Consent provided
ZIP_code: Web
Submitted_via: 04/27/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Subproduct:
 but I do n't think it is right for me to have made payments for 3 years and still owe the same amount. This is n't helping me "" repay my student loan '' it is helping Navient MAKE money off of a person who ca n't afford the full monthly payment on their {$20000.00} loan that has EXPLODED to {$54000.00} because of a crazy high interest rate."


Date_received: 04/27/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Company: Navient Solutions, Inc.
State: MA
ZIP_code: 021XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Navient is harassing the co-signer to my loan, forcing them to make payments and causing the co-signer 's credit appear as if their delinquent. Navient offered to work with us whatsoever and informed us that we exhausted all of our options regarding hardship, unemployment, etc. XXXX informed me, today, that my loan is current and the next payment is due in XXXX 2016 of approximately {$300.00}, however, Navient informed the cosigner that this amount is due immediately.


Date_received: 05/08/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: IN
ZIP_code: 471XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have a Barclaycard Arrival credit card. The account was closed by the bank and the department responsible for closing my account refuses to take my phone call to explain to me why the account was closed. They are keeping over {$800.00} worth of points I have earned.


Complaint_ID: Yes
Date_received:
5. Company management purposely put into place a plan to deny refinance of all jumbo mortgage considered " Under Water '' ( Appraised Value considered less than the Mortgage amount owed ) We paid our mortgage loan on time ( never late ) every month for over a decade. But

Product:
 could not get Wells Fargo Home Mortgage Company to refinance our loan until they had exhorted over a half million dollars from us. Then


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: PA
Subissue: 193XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 03/27/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
We are requesting Wells Fargo Home Mortgage Company be required to refund all of our excess mortgage payments with interest equivalent to the return of the XXXX during the same period."


Date_received: 05/02/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Meyer & Njus, P.A.
State: IL
ZIP_code: 604XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX/XXXX/XXXX I had an agreement with Meyers and Njus to pay {$1200.00} amount was paid in full XXXX/XXXX/XXXX. XXXX/XXXX/XXXX they are telling me I still owe the {$56.00} in interest that was not in the agreement. The FDCPA states they ca n't add interest, fees, or charges not authorized in the original agreement.


Subproduct: Nationstar Mortgage
Issue: OR
Subissue: 971XX
Company_public_response: Consent provided
Company: Web
State: 03/28/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have repeatedly attempted to contact XXXX to request written confirmation that they understand that the property is still occupied and being maintained to livable standards, which they have refused. I suspect they will attempt to conduct another fraudulent inspection next month, and have threatened the inspectors with arrest and company with legal action should they do so.


Date_received: 05/11/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Shopping for a loan or lease
Company: Santander Consumer USA Holdings Inc
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Roadloans.com put a hard inquiry on my credit without authorization. I called and spoke with XXXX who told me that he did n't know where it came from, but they could n't remove it. There is no possible way I authorized this through them or anyone else for any kind of loan.


Date_received: 04/16/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company: Discover
State: OH
ZIP_code: 442XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I paid my discover loan payment ontime as usual as confirmed by looking at my credit history I paid XXXX XXXX/XXXX/16 it is confimred by an email from Discover stating they received my payment, I also received a confirmtion number, and I have proof from my bank and a copy of the bank statement showing that discover took the XXXX out of my account on XXXX/XXXX/16 The payment was never applied to my account,, I called and they said there was a system update that caused problems with payments, the money was never applied to my loan, now I am receiving collection calls, and collection letters,, even though they said they will fix the problem they have not,, I faxed a letter to them on XXXX/XXXX/16 to the fax number I called and got from a Loan Manager, they have not replied or acknowledged they received it.. I sent copies of all the proof that the loan payment was paid, including the bank statement. This is now affecting my credit. I pay every month on time all my bills, now I am showing past due..I am so upset about this because there is nothing I can do about it. They will not correct the issue.. I have spent hours trying to correct this, I have done everything to correct this I have documents showing that the payment was made, and not just the payment but XXXX over,, I like to pay over the amount due. What can I do? my hands are tied.. I am now going to have poor credit. How do I make another payment, It will be due again in a few weeks, how do I make the payment and make sure its applied to my account. If having proof, a cofirmation number, a dopy of the bank statement showing that the paymnet was paid to Discover, a copy of the email and these things do not correct the problem what do I do??


Date_received: 04/20/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: PA
ZIP_code: 195XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In the economic downturn of XXXX I had a severe reduction in income, which put me in a position where I could not meet all of my regular obligations at once. I reached out to every creditor to make arrangements to either arrange for a settlement with my tax refund in XXXX, or to imporive my terms. Inexplicably, my balance with XXXX bank ballooned by a factor of over XXXX % without me adding any charges at all in a period of a couple of months. I was at an impasse with XXXX and they threatened to sue and they did. I requested statement documenting the obligation that XXXX claimed that I owed and having received the documentation I was prepared to defend myself in court. To my great disappointment and disillusionment with the fairness of the PA court system, XXXX asked for a summary judgement and received it without my ability to simply present the facts to a judge. Recognizing that my cause for fairness and justice was lost, I contacted the attorney for XXXX and asked that I be permitted to simply pay what I owed and nothing more, as that was the fairest resolution I could possibly hope for and the attorney agreed to accept a fair settlement of the bill. To the credit of the attorney for XXXX, they agreed to drop the matter legally, I and I chose not to appeal. Retaining this judgement on my credit report is a continual misrepresentation of the matter, and it should be corrected.


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: Rocky Mountain Recovery Group
State: CA
ZIP_code: 958XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
On Wednesday, XXXX/XXXX/16 I received a call at my home on my voice recorder from a Agent XXXX XXXX with XXXX regarding criminal and civil charges being brought against me and did not say what this was regarding. A call back number was left XXXX and case # XXXX. I thought it was bogus since a bill collector should not be acting like a government representative with the titles he was using. I get a lot of junk mail and calls regarding this sort of thing and thought it was bogus regardless. You really have to have your antenna on to full power now a days. At around XXXX I received a text from my Mom that this Agent XXXX XXXX had called my Dad 's office and spoke to my Dad 's receptionist at his office and left a call back XXXX case # XXXX. I want to know where I listed my Dad or my Dad 's business on any loan document? This is totally illegal what XXXX XXXX XXXX is doing and just using plain scare, intimidation and bullying tactics to collect on some debt. This rogue collector needs to be reeducated. I called back the XXXX number and spoke to XXXX XXXX who answered the phone as XXXX XXXX and there recorder stated they were XXXX, XXXX XXXX. I believe this company has lost there moral compass and is due for a reeducation on Fair Collection Law.


Date_received: 04/15/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XX/XX/XXXX & XX/XX/XXXX I experienced difficult times financially ( XXXX % reduction in income ) and ultimately filed Bankruptcy. In XXXX XXXX I filed BK-XXXX and one of the items discharged was a Chase Card # XXXX for {$4900.00}. Chase had went to Superior Court XXXX/XXXX/XXXX ( prior to my BK filing ) and received a Judgment for the same Chase Card # XXXX for {$4900.00}. Docket number was XXXX. My BK-XXXX ( 60 months of payments ) was completed in XXXX XXXX, when my BKXXXX was fully discharged. Chase reported the individual line item for account # XXXX on my credit report as included in the wage earner plan of BK. Chase never Vacated or Suppressed the Judgment for {$4900.00} which was for the same Chase card. I have called multiple times and spoke with the legal department of Chase and rudely told they already did what they were required to do and can not help me. I explained to the legal department of Chase that I was right in the middle of purchasing a home and the mortgage lender is requiring the Chase Judgment to be paid in escrow. The legal department of Chase told me that if they received the {$4900.00} from escrow for the judgment that they would consider this as me reaffirming the debt that was already discharged in BK. I let them know this is NOT my intention. On XXXX XXXX I emailed XXXX XXXX, the CEO of Chase and also the Executive Offices of Chase to get help. I was contacted by Chase the next day and after many phone calls and ultimately me asking to speak with a Supervisor I felt they this matter would be resolved. The Supervisor told me that they were not pursuing this debt and that their records show it was included in BK-XXXX. However, Chase would not provide a legal document that could be recorded to vacate the Judgment that still shows active on my credit report. On XXXX XXXX, I received a fax from XXXX XXXX, Managing Director with Chase ( letter attached ) that states they are not pursuing collection of the debt. The problem is that this does not get the Judgment cleared on my credit report. I took off work this morning and went to the Superior Court of XXXX XXXX County Office in XXXX and they told me that unless Chase files the necessary paperwork to vacate the Chase Judgment the money is still owed and collectible. Unfortunately, I need to close escrow on my home purchase in two business days and the mortgage lender is requiring me to pay the {$4900.00} and they have instructed XXXX XXXX XXXX to pay the money directly to Chase bank for the Judgment. Even though Chase states they are not pursuing collection of the debt that was included in Bankruptcy they in fact are by not vacating the Judgment. How can I get Chase to reimburse me for the {$4900.00} and vacate the judgment? I do not have the extra money to cover the {$4900.00} now and have to borrow from family in order to close escrow on my home purchase. This has turned what should be a special time for me into a very difficult time XXXX and making me XXXX. Please let me know what recourse I have with Chase and I believe it is important for them not to do this to anyone else.


Date_received: 05/01/2016
Product: Credit card
Issue: Payoff process
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had a Citibank credit card from the time I started my XXXX XXXX program in the year XXXX. I paid it every month during the grace period, with the occasional exception generating interest. Sometime in XXXX to XXXX my limit had reached XXXX dollars. I tried to use it one day and it was declined, and I called and they said they were no longer offering that service to me. Then he asked me how I would like to pay my remaining balance. I told him I did not, and got off the phone. Though I had never paid through automatic payments, he then set up an automatic minimum payment each month without my permission. My bank activity became hectic with lots of autowithdrawals for bills and services, and this autopayment was not clearly named. It was not until XXXX when I closed that bank account that I noticed a XXXX something autopay that did little or nothing to pay more than interest. Over a period of more than 6 years, they had stolen around XXXX dollars from my account. Additionally, someone had changed the password and security questions on my account. I can no longer access any account information.


Date_received: 05/05/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: Fay Servicing, LLC
State: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mortgage was sold twice apparently, in quick succession, around XXXX XXXX. I received mail from XXXX different companies that they both now had my loan, and when I called the XXXX company, XXXX, it appeared I was not in its records, then I received a lot of mail from Fay Servicing. Fay was not up-to-date with its records in XX/XX/XXXX, so I mailed check # 1 on XXXX XXXX, XXXX to cover XX/XX/XXXX and XXXX XXXX ( {$840.00} ). Fay processed my XXXX XXXX payment by XXXX XXXX, XXXX, check # 2 ( {$420.00} + {$30000.00} additional principal ). I have a picture of the check/slip before I mailed it. My XX/XX/XXXX Fay interest/tax record came in the mail and it appeared correct ( it seemed like 3 months of interest ). I paid by phone on XXXX XXXX, XXXX ( # XXXX, # 3 payment ever to Fay ) and the recording was not giving me an accurate due date for the payment. I looked on the back of the monthly statement mailed to me and it stated a {$25000.00} principal reduction and {$5400.00} payment applied. That would mean I would have over 12 months of payments PAID IN FULL and this does not match with the XX/XX/XXXX due date that Fay keeps mailing me. This makes zero sense and does not appear to match the payment breakdown on the front of the XX/XX/XXXX monthly statement, {$29000.00} plus {$710.00} interest. All the monthly statements dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all said payment due XX/XX/XXXX. XXXX, the incompetent account manager assigned to this loan, was giving me different numbers that were in the Fay system that did not match the monthly statements numbers when I spoke to him. This was during the week ending XX/XX/XXXX. I asked for the numbers that were in the system to be mailed to me ; he refuses to call me and deal with this. He said that he would have to do the next phone payment so that it is applied correctly but he never called me so that I could make a payment. I called Fay again before I submitted my XXXX taxes XX/XX/XXXX, week ending XX/XX/XXXX, and I got another rep who said he would discuss this case with XXXX and someone would get back to me. XXXX called me at work on XX/XX/XXXX at XXXX EST, hung up, then I hit redial and got his voicemail. I left him a message but have not heard from him. I called on XX/XX/XXXX and got a rep who I asked to be transferred to XXXX 's supervisor, XXXX, and I left a voice mail. I have received a bill dated XX/XX/XXXX that I owe a {$21.00} late charge for XX/XX/XXXX and I received the latest monthly statement with a XX/XX/XXXX due date.


Date_received: 03/27/2016
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: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/27/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
In XXXX 2015 I submitted a fraud claim with Experian they removed some items but not all of them. I was instructed to obtain a police report which i filed on XXXX XXXX, 2015 so I sent that over to them. Now I still have XXXX accounts that they will not remove that were listed on the police report. This is completely frustrating because XXXX and XXXX has already reviewed the info and removed the accounts but Experian wont help me become a better person. Too may hours and time wasted for no reason! I want the following accounts blocked from my credit report immediately please. XXXX. My report number is XXXX Thank you so much!


Date_received: 05/11/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
Company: Nationstar Mortgage
State: CO
ZIP_code: 801XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Had my first mortgage with Nationstar XXXX. I refinanced my home second and first into XXXX new loan with a new company. Nationstar would not send me my refund of my escrow payments. I contacted them 9 times, each time I was told the " checks been sent '' and "" we can reassure you the check has been mailed. '' They escalated my refund up to a supervisor three times and I still had to call regarding my refund check. Today was call # XXXX and again was "" reassured the check has been sent via overnight by XXXX ''. Absolutely ridiculous company to work with and completely inefficient customer service and supervisors."


Date_received: 04/21/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: NC
ZIP_code: 282XX
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:
Bank of America allowed for everything to overdraft on my account expect for one item. Which got charged another NSF. When I asked them why they did n't approve this transaction that was processed first and was the smallest amount. Their answer was pretty much " we did n't want to """


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Capio Partners, LLC
State: NY
ZIP_code: 100XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I went to XXXX XXXX XXXX XXXX in XX/XX/XXXX -3,1/2 yrs. ago! I was working for XXXX on Tropical Storm XXXX. I received a bill from Capio Partners collections agency XX/XX/XXXX. I did not remember the emergency room visit at the XXXX XXXX and did not pay it. When I checked with my insurance company they verified it and I finally remembered it. I paid the bill although I am not sure it is legitimate because the Hospital never billed me directly. Capio paid the Center {$65.00} telling them Capio would collect from me. That is the amount I normally pay for a specialist office visit co-pay. I do not know if I actually owed the XXXX XXXX anything. Capio went ahead and reported late payment to the credit reporting agencies and now it is on my record. I want that removed from my record and since the hospital never billed me, I want to be re-imbursed. I think the charges are bogus charges made up by Capio to get money -- especially from seniors.


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 been approve for capital one bank a credit card since XXXX 2015. They froze my account because of a fraud issue. Sent all my personal information many times every time I call customer service they restrict the accounts that I have as a join account too. This bank it 's really bad in customer services and policies. Someone has to do something against them because they affect my credit more.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: TX
Subissue: 750XX
Company_public_response: Consent provided
Company: Web
State: 05/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: No
Date_received:
But, they are refusing to pay my rewards. They are effectively stealing money. I mean, let 's look past the fact that they are closing my account down for no reason - as they noted, if they do n't want to do business with me - fine. I chose this card over other cards that did not choose me down. Citi profited on swipe fees with my account. Now, they are stealing the rewards they chose not to pay. This is deceptive and borderline criminal.


Date_received: 04/22/2016
Product: Credit card
Issue: Payoff process
ZIP_code: I really should not have taken advantage of this "" special offer
Complaint_ID: Yes
Consumer_narrative:
Capital One offered what is called " Choose it '' to help pay off a large purchase over time with no interest. I continued to pay off my "" Balance Due '' every month only to find out my "" Balance Due '' did not include the amount I had chosen to place in my "" Choose it '' "" bucket. '' ( I 'm using quotes because this is how the manager on the phone referred to these things. ) I do most of my banking on my mobile device. Therefore

Company_public_response:
 I 've been paying my "" balance due '' every month thinking I 've long paid off the "" Choose it '' balance as well. No

Company:
 they hide that balance still outstanding as "" SpecialPurch '' under the interest charge calculation on the statement. Additionally

State:
 it is at the very bottom of the statement. NOWHERE on my mobile device can I get this additional balance due unless I bring up my PDF paper statement. I trusted the "" balance due '' was indeed the WHOLE balance due and paid it off EVERY month. As I do pay my balance very month


Date_received: Additionally
Product: I feel it is BAD PRACTICE for Capital One to not put SOMETHING
Complaint_ID: Yes
Subproduct:
 ANYTHING alongside the "" Balance Due '' that states "" You may wish to pay off this Special Purchase balance off

Issue:
 too so you do n't incur interest by this date. Therefore your actual balance due is $ XXXX. '' Thank you


Complaint_ID: Yes
Date_received:
The hospital made a mistake in the billing. They billed my insurance but did n't reflect it in their system. My insurance sent them a check


Subproduct: Peter Roberts & Associates, Inc.
Issue: MA
Subissue: 021XX
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Now the day before I placed my first complaint. They put negative accounts on my credit report with XXXX and XXXX. After that complaint they were removed and I got my first letter from them stating said items were removed. On XXXX XXXX the new check from my insurance company was cashed by the hospital and a new bill was sent to me. On XXXX XXXX this collection agency yet again put a false amount without noting to transunion that the account is in dispute on my report."


Date_received: 05/07/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Mountain Land Collections, Inc.
State: UT
ZIP_code: 840XX
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:
Mountain land collections called me and stated I had an outstanding amount owed to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX. I explained to them that XXXX/XXXX had deducted XXXX a month from my credit card from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX and that the bill was paid in full. I then received a Request for Payment from Mountain Land Collections on XXXX/XXXX/XXXX stating I owed the above amount and had 30 day to dispute it or a negative credit entry may be placed on my credit report. The letter stated that if I disputed the amount owed within 30 days they would send me validation of the debit before any negative entry would be placed on my credit report. On XXXX/XXXX/XXXX I had my attorney draft a letter responding to the Demand for Payment and sent them my credit card ledger showing all the payments were deducted from my credit card every month from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX they did not responded to the letter or send me or my attorney anything. On XXXX/XXXX/XXXX while attempting to refinance my home I was informed from XXXX that Mountain land had placed a negative entry on my credit report reducing my credit score by XXXX points from a XXXX to a XXXX and causing the mortgage company to attempt to charge me a huge interest rate on my loan. I was also informed by XXXX that they had now placed a negative entry on there credit reporting agency on my report. I do not owe any money to XXXX or XXXX. The amount was paid long before it was ever sent to mountain land.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company: Community Choice Financial, Inc.
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:
Caller says company name and who and why they are calling when calling a co-worker at place of employment. Asked repeatedly not to call at work. Blocked number from our end. Company continues to call using numbers associated with other companies. Privacy laws of all sorts including harrasement from company who calls over and over all day to both home and work. Threats that if we hang up she will make my life " XXXX ''."


Date_received: 04/28/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Capio Partners, LLC
State: FL
ZIP_code: 335XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
This company has an unknown item listed against me. I have disputed with no response back from them. I have no idea what this is and there is always something listed which does n't belong to me. Please help


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: MidFirst Bank
Issue: MO
Subissue: 640XX
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:
All of the 360 payments of principal interest were paid. Taxes were disbursed through XX/XX/XXXX and insurance through XX/XX/XXXX. The loan was paid off XX/XX/XXXX with a final payment of {$3400.00} with {$1600.00} escrow that was not returned to me. I want it known that approximately {$130000.00} was paid to this mortgage. It was never refinanced. I never had a second mortgage on this property. There was no security interest in any other property.


Date_received: 05/11/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Portfolio Recovery Associates, Inc.
State: OH
ZIP_code: 436XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This company has reinserTed this debt on my credit file after it was previously deleted which is illegal. This account was removed from my credit file with XXXX in 2015 and they have turned around and out it back on my XXXX file without properly notifying me.


Date_received: 04/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have an account XXXX Account # XXXX. Is reporting inaccurate information to Equifax. Its deleted with XXXX.


Date_received: 05/11/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Application, originator, mortgage broker
Company: JPMorgan Chase & Co.
State: IL
ZIP_code: 617XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/XXXX I applied for a mortgage pre-approval. I was denied in significant part because of the ratio ( % ) of revolving credit utilized compared to revolving credit available. There were other issues that I have been able to correct, however not the terms of a Chase second mortgage. Page XXXX of the attached file is the merged credit report from XXXX showing my revolving credit balance as {$35000.00} and available revolving credit as {$7500.00}, a utilization rate of 78 %. Also note on pp. XXXX that both XXXX and XXXX identified ( factor XXXX ) the proportion of balance to limit on revolving accounts as too high as part of the reason for the low credit score and subsequent denial. Page XXXX of the attached file from XXXX shows the Chase MTG as a home equity loan revolving with a limit of {$27000.00} and a balance of {$25000.00}, utilization of 93.4 % of revolving credit for just this XXXX account. The issue is the actual terms of this second mortgage. I took this as a HELOC in XXXX XXXX as a 10 year interest only HELOC that I was able to draw from for home improvements. It matured in XXXX XXXX, the draw period ended so it is no longer in fact a revolving credit account, as I no longer can withdraw funds from it. The terms changed and as agreed I began making principal and interest payments on the account beginning XXXX XXXX. I disputed the terms only via XXXX on XXXX/XXXX/XXXX, asking that the terms be changed. I received the results of the dispute on XXXX/XXXX/XXXX ( XXXX of attachment ). XXXX XXXX indicated that Chase verified the account as revolving with all three credit bureaus. I contacted Chase MTG. on XXXX/XXXX/XXXX and spoke with XXXX different customer service employees. They XXXX agreed that the terms had changed and this was no longer a revolving charge account. They contacted an employee in the credit reporting department and a senior employee in the mortgage/home equity department. XXXX those employees also agreed that this was no longer a revolving charge, but stated that the terms could not be changed or reported to the credit reporting agencies any differently unless I would refinance to a home equity loan. I told them that would be foolish because I was selling the home and this second mortgage would be satisfied with the proceeds from the sale. Plus, I would incur significant costs and fees associated with a refinance that were not in my best interests. In the end, while they all agreed that in fact I was correct, they could do nothing about it. XXXX XXXX of the attachment show the actual current revolving credit that I have. A total of {$4700.00} available and utilization of {$1400.00} or 31.5 % utilization. Correcting the terms of the Chase MTG by deleting the revolving notation and identification as a second mortgage would increase my credit score significantly. It is not fair that despite the facts, this company is unwilling to correctly identify the current terms of this loan, apparently for the sake of making additional profit with a refinance is just wrong. Thanks in advance for your assistance. XXXX XXXX


Date_received: 04/21/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Problems when you are unable to pay
Company: Fifth Third Financial Corporation
State: ND
ZIP_code: 282XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/23/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/XXXX, I opened a 15 yr boat installment loan, with XXXX XXXX XXXX. Fifth Third bank took over this loan in XX/XX/XXXX. The final installment was due on XXXX/XXXX/XXXX, and was paid. We then received an additional bill for {$5300.00} on this same loan. We have gone to the bank loan officer three times to no avail for an explanation, other than the charge is for additional interest for being late during the course of the loan. Whenever late, we paid a late charge. Fifth third can not explain how they came up with this figure, nor does the original agreement show anything. I just received a new bill, showing a late charge of {$210.00} on top of the {$5300.00}. The bank calls me 3X a day and yet no one will explain these additional charges. I am being harassed, insulted and annoyed. Please help me get this nightmare cleared up.


Subproduct: Discover
Issue: MD
Subissue: 208XX
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:
After receiving the 30-day late on my credit report, both myself and XXXX did a XXXX call to try to resolve the matter but the Discover supervisor would not work with us at all. I have since paid off this {$25000.00} loan and I had never received a 30 day late accept for this XXXX and I feel that Discover had some error in it as their system did not recognize the payment until later than expected.


Date_received: 04/20/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: PA
ZIP_code: 195XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices."


Date_received: 04/20/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: IL
ZIP_code: 605XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In addition to reporting us to the XXXX credit bureaus, refusing to help us by acknoweledging our hardship due to the unforseen circumstances regarding job loss and devastating illness, and erroneously stating that we are two months behind on our mortgage when in fact-we are one month behind -- -- Nationstar has added at least fifteen late payment fees to our account. Each fee is $ XXXX-which -as of today would total an extra {$1100.00} on top of what we currently owe. How does Nationstar think that we can afford to pay these exorbidant late fees when we are struggling to make our mortgage payments -- specifically the payment that is one month behind -- that Nationstar continuously adds the {$75.00} per month late charge to? Nationstar staunchly defends it 's mercenary actions of gauging and blatantly disrespecting its customers by spouting company policy. They say they are there to help, but the only help that is offered would serve only Nationstar -- and not the consumer. I understand why Nationstar has earned it 's publicly documented " XXXX '' rating with the XXXX."


Date_received: 04/25/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Afni, Inc.
State: MN
ZIP_code: 558XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Affni Inc a debt collection company purchased a debt from different debt collection company that could n't verify the account, XXXX could n't verify it either and they are supposedly the original creditor, and thus had to remove the account from my credit report. Affni purchased the debt from them and has now reposted the dent and should be in violation of the fair and accurate credit reporting act. The original creditor admitted they ca n't verify it so why are other companies continuing to try to post it on my report and make collection attempts


Complaint_ID: Yes
Date_received:
On or about XXXX XXXX, XXXX, I received a letter from XXXX XXXX, who appears to be both the CEO of FCI Lender Services , Inc. and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX as trustee of the XXXX XXXX ( the proposed investor on my alleged loan ) via XXXX XXXX, he denied the loan modification based on " insufficient income ''. "" Debt to income ratios XXXX siting the average monthly income on PAST tax returns of {$9200.00} and not the current income submitted which shows income averaging over {$17000.00} per month in XXXX. The XXXX paystubs that were sent to FCI


Date_received: Additionally
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: FCI Lender Services Inc.
Subissue: AZ
Consumer_narrative: 852XX
Company_public_response: Older American
Company: Consent provided
State: Web
ZIP_code: 05/04/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 I have requested a complete detailed explanation of the current deficiency which has gone unanswered. I believe the current monthly payment is also incorrect and does not reflect the terms in both the Truth in Lending Statement as well as the actual terms of the Adjustable Rate Note."


Subproduct: Navient Solutions, Inc.
Issue: MI
Subissue: 481XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
From what I read online, it would be easier and possibly put me in a better position to stop paying on the loan and try to negotiate a lump sum payment with one of their debt collectors. I made an agreement to pay this amount when Navient loaned me the money, and I am trying to stand by that, but they seem to want to make it impossible to get this loan paid off.


Date_received: 04/05/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Credit decision / Underwriting
Company: Fifth Third Financial Corporation
State: FL
ZIP_code: 339XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
was pre approved by 5th 3rd bank. my reference # XXXX for pre approval. we proceeded to shop for homes. found a home within my budget put down a {$10000.00} deposit with the realty company. i contact the bank to process the loan and set up a closing. they did a home appraisal and we had a home inspection/wind mitigation done. only to be told a week later that underwriting turned me down after giveing me a pre contract. i was told i would recieve my money back and that the original mortgage broker who first worked on the loan had quit and made a mistake. regardless of whos fault it was, its was still a licensed certified mortgage broker representing fifth third bank. Now no one from fifth third will contact me back about refunding the home inspection monies.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Plaza Home Mortgage
Issue: MD
Subissue: 208XX
Company_public_response: Consent provided
Company: Web
State: 04/27/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
The people at Plaza seem to have no understanding of what it was was going on or they did not care. They only seem to want a second payment which they did not deserve, they made no attempt to resolve the situation they only seem to want more money. They were very unprofessional and unethical. They called on numerous occasions while I was at work in an attempt to embarrass me. At this point I am not sure what the situation is regarding my mortgage because everyone at Plaza seem to give a different answer to the same question. Loss mitigation, customer service, and collections seem to have no interaction and one does not know what the other is doing.


Date_received: 04/29/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: FL
ZIP_code: 338XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, XXXX. Ocwen mailed to me old paper work in regards to my current mortgage with the incorrect monthly amounts, the incorrect promissory note, which they are stating it is {$100000.00} which is a fabricated lie. I have the new mortgage which was redone by XXXX nearly two years ago with the new interest rate which is Fixed, the new amount which is under {$57000.00} dollars and a new monthly amount. I am requesting an investigation of the business practices of this company, which has systemic problems in providing me with correct information, etc. The old mortgage was signed by me in XXXX. Ocwen mailed me outdated documents. I mail my monthly payments to the XXXX XXXX XXXX, XXXX office. The Ombundsman XXXX XXXX mailed me a copy of the old outdated mortgage. XXXX out of XXXX XXXX, XXXX is out of the business. They gave me a fraudulent subprime loan and promised to work with me, if I paid on time for one full year. Ocwen regular monthly payment is {$440.00}.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Transworld Systems Inc.
State: AZ
ZIP_code: 850XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Had a loan for training at previous employer. Loan paid in full XXXX XXXX. Received notice from Transworld Systems Inc. of debt owed of XXXX on XXXX XXXX XXXX. Address listed for transworld systems inc include a XXXX XXXX and XXXX address on same document. verified funds paid my bank.


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


Subproduct: Williams & Fudge, Inc
Issue: FL
Subissue: 328XX
Company_public_response: Consent provided
Company: Web
State: 05/12/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
When I pointed all of these facts out to their representative XXXX XXXX, she responded that they had never communicated with me before, and then hung up when I asked to speak to her supervisor.


Date_received: 05/06/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Consumer Portfolio Services
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This loan is a predatory loan in which I am paying. I signed a contract to purchase a XXXX XXXX XXXX at XXXX on XXXX XXXX. The interest rate on this loan is 17.95 %. The car is now only worth {$6300.00} at trade in value. My pay off at the moment is {$15000.00} after 2 years. The loan company named Consumer Portfolio Services is charging me 3 times over what the car is worth. I feel I was scammed into this loan and I have no way of trading the vehicle in with the large negative equity I have with this car.


Date_received: 03/28/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NC
ZIP_code: 280XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Despite several attempts to clarify or correct several medical collection accounts, Experian continues to verify without producing anything but a form letter in response with the statement that " Experian will not investigate this information again. The accounts in question are both unknown and unverifiable because of the incorrect address and provider names. I did not receive service during the time frame and from the providers listed and can only assume that their "" furnisher '' or vendor is providing unsubstantiated and erroneous data thus harming my credit score."


Date_received: 04/01/2016
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: CL Holdings, LLC
State: TX
ZIP_code: 754XX
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:
this credit card i 've been working to pay this off for the last nine months. making payments to jefferson capital. please correct my file.


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Reverse mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Finance of America Reverse LLC
State: TX
ZIP_code: 774XX
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 applied for a reverse mortgage and everthing was going fine until my appraisal came in lower than expected. Immediately my income became a issue and I was asked if I received any other income other than XXXX. I was then told that my income did not transfer over correctly and that my Student loans and car payment was to much to pay my taxes and insurance. I submitted the correct figures but was still denied because of income. My denial stated that I withdrew and when questioned, I was told that is the procedure when loan do n't qualify.


Date_received: 05/12/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company: Nationstar Mortgage
State: UT
ZIP_code: 843XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mother and I are currently in the middle of a bankruptcy. We are being contacted by representatives of our mortgage company saying that we are being foreclosed on. We had communicated with our mortgage company several times that we would prefer a deed in-lieu process. Our mortgage company claimed we were assigned to an expert that would help us in this process. The expert has never made contact with us and attempts from us to contact the expert resulted in automated emails or voice messages claiming the expert was on vacation or unavailable. I called our mortgage company by phone and I was told by a representative that the expert could not help us and we would have to apply for a modification before going through a deed in-lieu. We applied XXXX times for a modification process and our mortgage company continually denied our modification claiming that we did not provide paperwork despite proof presented that all paperwork was turned in with certified delivery. The mortgage company has made no effort to accept a deed in-lieu and is continuing with foreclosure proceedings. Our bankruptcy lawyer has also made no attempt to contact us or help us regarding this issue.


Date_received: 04/25/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
State: LexisNexis
ZIP_code: OR
Submitted_via: 972XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 04/26/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I have repeatedly tried to obtain a copy of my XXXX report. Each attempt has resulted in some type of error online, or " unforeseen error '' in the voice response system

Company_public_response:
 which is itself very difficult to use and sounds as if its XXXX years outdated. I have made at least a dozen attempts total. It seems as if the system is deliberately difficult to use and is almost always non-functional in an attempt to deter consumers from obtaining what is rightfully theirs to access per FACT act and FCRA. All other CRA 's have simple to use online interfaces allowing the consumer to access their reports immediately online. In the 21st century it is inexcusable that someone is forced to physically print and mail a piece of paper. This is a not very transparent effort on behalf of Lexis Nexis to deter consumer from easily obtaining reports and disputing information."


Date_received: 05/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: NC
ZIP_code: 280XX
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 would like to have my credit report updated and the judgement removed from my report as it has been satisfied/paid in full. Thank you


Date_received: 04/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the third time I must dispute this same bad debt. Upon attempting to dispute on this occasion Equifax has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file only difference being they are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are super shady practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.


Date_received: 03/25/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
THIS QWR LETTER SENT BY E-MAIL TO ALL PARTIES XXXX XXXX, 2016 XXXX XXXX QWR LETTER, XXXX MAILED XXXX/XXXX/2016 WE HAVE NOT RECEIVED ALL OF THE XXXX QWR LETTER REQUEST AND NOW SENDING THIS SECOND REQUEST. I DEMAND THE ANSWERS TO BE SENT IN WRITING BY XXXX, MAILED DIRECT & NOT E-MAIL XXXX ( NATIONSTAR MORTGAGE LLL, / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( lender ) SERVICER : NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX ATTENTION : XXXX XXXX XXXX. LLC XXXX XXXX MARKET XXXX, XXXX XXXX XXXX, XXXX, DE XXXX This letter is a " QUALIFIED WRITTEN REQUEST '' in compliance with and under the Real Estate Settlement Procedures Act


Product: transfer
Subproduct: funding source
Issue: legal and beneficial ownership
Subissue: charges
Consumer_narrative: credits
Company_public_response: debits
Company: transactions
State: reversals
ZIP_code: actions
Submitted_via: payments
Complaint_ID: Yes
Date_received:
To Whom It May Concern : I am writing about the accounting and servicing of this mortgage and clarification of various sale


Subproduct: DONE BY YOUR NOTORY PUBLIC AND SEALED BY YOUR ATTORNEY
Issue: THE XXXX XXXX XXXX
Subissue: XXXX
Company_public_response: I have no choice but to dispute the validity of your lawful ownership
Company: funding
Submitted_via: DUE TO INFORMATION COLLECTED BY THE XXXX NOTARY DEPARTMENT
Company_response: "" YOU CAN NOT GIVE AN ACCOUNTING OF MY CLOSING FUNDS
Consumer_disputed: WE HAVE THE TITLE COMPANY 'S CLOSING INSTRUCTIONS AND CHEC 'S
Complaint_ID: XXXX XXXX XXXX XXXX 'S LETTERHEAD PER-SALE MORTGAGE COMMITMENT
Date_received:
I hereby demand absolute firsthand evidence from you of the original uncertified or certified security regarding the above referenced account. In the event you do not supply me with the very security

Product:
 it will be a positive confirmation on your part that you never really created or owned one. DEMAND ALL ATTACHMENTS TO THE MORTGAGE AND NOTE RECORDED OR NOT RECORDED

Consumer_narrative:
 XXXX I also hereby demand that a chain of transfer from you to wherever the security is now be promptly sent as well. Absent the actual evidence of the security

State:
 entitlement right and the current debt. *** I SUSPECT ROBO-SINGING FRAUD ON THE ASSIGNMENT RECORDED XX/XX/XXXX AND YOUR COUNSEL 'S SUBMISSION TO THE DELAWARE COURT ALONG WITH A ROBO-SIGNER THAT ATTEST TO THE MORTGAGE ACCOUNTING THAT WAS ATTACHED TO THE COURT FILING. I HAVE EVER REASON TO BELIEVE THIS STATEMENT TO BE TRUE

Date_sent_to_company:
 AND THE XXXX XXXX XXXX COMPANY AND OTHER RELATED DOCUMENTS. YOUR COMPANY HAS COMMITTED PERJURY TO STATE AND FEDERAL AGENCY 'S WITH THE STATEMENT

Timely_response:
 AS PER OUR REQUEST MANY TIMES OVER THE YEARS BECAUSE YOU DID NOT ORIGINATE OUR REFINANCE CASH-OUT LOAN "" FALSE


Complaint_ID: XXXX XXXX XXXX XXXX 'S LETTERHEAD PER-SALE MORTGAGE COMMITMENT
Date_received:
WE HAVE ORGINIAL CHECKS THAT WERE SENT AFTER MANY DEMANDS AND RECEIVED 19 MONTHS AFTER CLOSING THAT WE COULD NOT CASH


Date_received: WE HAVE SAVED OUR DATA AS WE BECAME AWARE OF THE COMPANY 'S DECEIT FOR YEARS
Complaint_ID: XXXX XXXX XXXX XXXX 'S LETTERHEAD PER-SALE MORTGAGE COMMITMENT
Product:
 AND LACK OF GOOD FAITH IN YOUR DEALINGS WITH US AND OTHERS. ALL YOU EVER SEND TO US OR OUR STATE AND GOVERNMENT OFFICIAL 'S ARE OUR PAYMENT HISTORY


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: SunTrust Banks, Inc.
Issue: GA
Subissue: 310XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/22/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: XXXX XXXX XXXX XXXX 'S LETTERHEAD PER-SALE MORTGAGE COMMITMENT
Date_received:
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded to me. As can be seen in the supporting documents, I was not given credit for two {$45.00} payments. These should have been posted to the only account I had opened, the savings account at the SunTrust located on XXXX XXXX. in XXXX XXXX, Ga..


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: TX
Subissue: 750XX
Company_public_response: Consent provided
Company: Web
State: 03/14/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I find Macy 's credit card practices to be quite unacceptable - they allow for card accounts to be opened with minimal investigation and then seem uninterested in helping redress the wrong. I would appeal to the CFPB for assistance in having Macy 's expunge the reference to this card from my name.


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Monterey Financial Services, Inc.
State: CA
ZIP_code: 913XX
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 received a collection agency notice today in the amount of {$2200.00}. I have never received any bill and do not owe this.


Date_received: 05/11/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: PA
ZIP_code: 191XX
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:
on XXXX XXXX at XXXX oclock i called ocwen because i received a letter saying to pay XXXX.I was told by Relationship manager XXXX XXXX that XXXX XXXX i was accessed a fee of XXXX dollars for a bankruptcy expense in XX/XX/XXXX and that i owed a total of XXXX cents and if i dont pay i will lose my house.she was rude and very loud and did not want to give me a reason why and said she would give send me a breakdown by mail and said i need to pay i think XXXX now.Never received a breakdown.I got off the phone and called again and got a different relationship manager named XXXX XXXX and she told me that i owed XXXX to a property valuation expense and for me to pay XXXX looked on my mortgage transcripts and ocwen XXXX did XXXX in 7 years and it was for XXXX dollars.I was told that this had nothing to do with my payment and to pay XXXX $ and it will be added to your mortgage.Icalled the Ocwen ombudsman XXXX XXXX and was told that this property valuation expense can be done twice a year and i was in default.He told me my payment was in default and it was not 30 days.they did it in 27 days.All this is happening and i dont have nothing in writing.Ireceive a call from supposedly appointed Relationship manager and asked me did i have any questions.i told him the same thing i am telling you and yes i owe XXXX dollars then said did i have anything else and said goodbye.Received a monthly statement for may bill today XXXX XXXX saying i owe XXXX $ saying it is due XXXX/XXXX/XXXX and it came by regular mail but on the activity statement it says certified at {$2.00} and a property inspection fee of $ XXXX.ICall again and get amirsh XXXX Relationship manager and he tells me do i want to pay XXXX now and doesnt give me any options to pay except that it is not apart of your regular payment and i should still XXXX a month but on the statement it says XXXX and that wont change.i still owe XXXX dollars late fees.I am on a fixed income.


Subproduct: Equifax
Issue: TN
Subissue: 372XX
Consumer_narrative: Older American
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: No
Date_received:
PLEASE CORRECT : 1. XXXX- # XXXX-Old account-was transferred and re financed.-REMOVE 2. XXXX- # XXXX-old 10 years old paid and closed REMOVE 3. XXXX- # XXXX-Over 10 years old-REMOVE 4. XXXX XXXX XXXX # XXXX-same account as # XXXX above XXXX-REMOVE 5. XXXX Auto-Paid and closed-10 years old OLD REMOVE 6. XXXX- # XXXX-Paid and closed-old 10 years old REMOVE 7. XXXX- # XXXX-paid and closed-old 10 years old-REMOVE 8. XXXX XXXX # XXXX-Paid and closed-Old-10 years old REMOVE 9. XXXX XXXX XXXX # XXXX-Paid and closed-old 10 years old REMOVE 10. XXXX XXXX XXXX # XXXX-Paid and closed-10 years old REMOVE


Product: ( business plan
Subproduct: incorporation documentation
Issue: EIN
Subissue: etc. )
Complaint_ID: No
Date_received:
I was told by the branch manager which office XXXX was in and as I entered he said " I hear you have been trying to get in touch with me ''. First of all I expected more from a loan specialist. He did not ask me for any documentation


Date_received: I thanked him
Issue: but used various factors to do so. Again
Complaint_ID: No
Product:
 but proceeded with my questions about how my credit score affected my request for a business loan and what does US Bank look for when a request is made because I had been turned down for a US Bank card line-of-credit. I also informed XXXX that I was working with a credit repair company to get my credit scores fixed

Subproduct:
 but I needed to know the parameters US Bank used to approve or deny credit. XXXX said that US Bank did not deny loans based on the credit score


Date_received: Afterwards
Complaint_ID: No
Product:
 I asked XXXX who at the bank makes the decision and he told me the Underwriters at US Bank makes the decisions. I asked him if I could speak with them to find out what factors decided the definitive yes or no to a business loan


Subproduct: and this annoys me greatly."
Issue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subissue: U.S. Bancorp
Consumer_narrative: OH
Company_public_response: 453XX
Company: Older American
State: Consent provided
ZIP_code: Web
Submitted_via: 04/29/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: No
Complaint_ID: No
Date_received:
So at that point I saw that I was not going to get any answers that could help me with my business venture as XXXX 's phone alarm kept prompting him to wrap it up and I could see his face getting red ; his hands sweaty and his demeanor very short. If he is the voice for small business support

Product:
 then I feel US Bank 's decisions on who or who not they are going to help is very bias because it seems there are no parameters in place for making a fair and judicial decision


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: States Recovery Systems, Inc.
State: NV
ZIP_code: 891XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
States Recovery is continuing to charge interest on a debt that was charged off by XXXX XXXX. To this date, I have paid {$1000.00} on a {$3600.00} debt and still owes according to them as of XXXX 2016, {$3200.00}. When I asked for a statement, I was told they do not send any statements and are not required to. States Recovery claims, XXXX XXXX ( Original Creditor ) are the ones who has this information but when I contacted XXXX XXXX, I was told the debt was sold to States Recovery. States Recovery claims collection efforts were instructions from XXXX XXXX and they did not buy the debt. These are deceptive practices, States Recovery are unable to provide me with any kind of information regarding a debt. They are not suppose to impose interest charges on a debt especially if they are unable to provide statements. I have tried to settle this debt but they refused to work with me. They continued to harass me at work, call different branches to find the exact branch I work, even after I told them to stop calling me at work and I have given them my cell phone number.


Date_received: 04/27/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Seterus, Inc.
State: AL
ZIP_code: 366XX
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:
Original Servicer for my Mortgage was XXXX XXXX XXXX who went bankrupt and sold my loan to XXXX XXXX, then sold to XXXX ( XXXX ), who stated during the time of the loan, there had been no payments for the past 389 days. In the mist of resolving the problem ( during my own investigation, retrieving documents from XXXX XXXX verified since all payments were sent by US Mail, because checks were not permitted while in Chapter XXXX. XXXX sold the loan once again to Seterus and added {$25000.00} to the loan. Home purchased at $ XXXX on XXXX XXXX XXXX. While in Chapter XXXX, since XXXX fees were assessed, cost of misc issues assessed. I have a copy of the letter sent to me from XXXX XXXX stating the monies sent to XXXX XXXX for payment of mortgage. I was not sure where to start here but I knew as soon as my BK was cleared I could take some kind of action. I could not afford a Lawyer because all my funds were accounted for. During this time I had to file BK to save my home, we have been in the home for 8 years. Seterus offered me a modification at {$44.00} less than my original payment of {$1700.00} which did not help after 6 months to process. They offered me nothing at this point accept for the XXXX options : Deed in Lieu, Short Sale, or Foreclosure. I have opted to use the Deed in Lieu, which was the only viable option and protect my credit from further damage. In XXXX became XXXX and had to retire from my job which was a lost of $ XXXX a year. This is just the nuts and bolts of this claim and this has had a detrimental effect on my wife and I, who is XXXX as well. I asked for a VA Loan since I am a XXXX year Veteran and they gave me the rules in spite of this gross error in accounting and servicing of my loan.


Date_received: 04/22/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Company_public_response: unauthorized trading by my Merrill Lynch Financial Advisor. Shortly thereafter
Company: without notice or my prior authorization
State: Bank of America/Merrill Lynch closed my consumer credit card ending in XXXX. Then
Complaint_ID: Yes
Consumer_narrative:
Bank of America ( aka Merrill Lynch ) hereinafter referred to as " the Bank '' issued to me a credit card years ago. ( Credit card ending in XXXX - last XXXX digits ). At all times the consumer credit relationship was well managed with timely payments at all times. XX/XX/2015 I abruptly terminated a Wealth Management Investment Account with Merrill Lynch for frivolous

ZIP_code:
 and again without consumer authorization or prior consent Bank of America unilaterally opened and assigned an unwanted new consumer checking account ending in XXXX

Submitted_via:
 Without my authorization Bank of America allowed previously authorized automated payments from the XXXX account to flow to the XXXX account for which I had no prior knowledge that the account existed. To this day Bank of America has not communicated the issuance of this new account. I became aware of this unauthorized Bank of America credit card when a accoun statement appeared in the mail


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: CA
Subissue: 945XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/22/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This maneuver has the appearance of unethical business practices by Bank of America in direct retaliation to the terminated Merrill Lynch Investment Account for the unauthorized and frivolous trading conducted by the Merrill Lynch Financial Advisor which was ultimately investigated by XXXX and resulted in consumer restitution."


Subproduct: PayPal Holdings, Inc.
Issue: CA
Subissue: 920XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have been trying for over a month just to close my account. I have spoken with numerous people in PayPal and PayPal Credit over this time, spending hours on hold, hours explaining repeatedly what the problem is, speaking with supervisors and so-called executive escalation representatives, lied to that someone would call back, and getting stonewalled every time. Once a representative even flat-out lied to me and said he had successfully closed my account, which was n't true.


Date_received: 04/16/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Southwest Credit Systems, L.P.
State: OH
ZIP_code: 432XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/16/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from XXXX . I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P purport I owe. I request that SW CREDIT SYSTEMS L.PProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX


Date_received: 04/28/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
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: MO
ZIP_code: 631XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My loan started out with XXXX ( federal loan ) and it is now with SunTrust ( private ). I got the loan to attend XXXX XXXX XXXX XXXX XXXX XXXX to get a XXXX. I have never been able to secured a job through this XXXX and at the time ( unbeknownst to me ) the college was not accredited and should not have been distributing XXXX.


Date_received: 05/11/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Mercedes-Benz Financial Services
State: TX
ZIP_code: 752XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Mercedes Benz Financial was notified on or about XXXX XXXX that two payments ( payment was made XX/XX/XXXX ) were taken out of our account. My wife called and asked to return the extra payment that was taken out and they informed us it would take up to 10 days. On day 10 there was no money in the account so we called again. They stated that nothing had been requested and now it will take 48 hours. After waiting that 48 hours, still nothing. We then called again, and again the message was it will be in our account in 48 hours. This is after giving them the confirmation number from our bank. Again, nothing in the account. We called again and they said they needed a screen shot of the online baking deductions, so we sent that. Still nothing. I have now called twice today requesting to speak with the person we have been speaking with and was informed she was busy and I would get a call later. This is unacceptable. The money is still not in the account.


Date_received: 03/29/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: AZ
ZIP_code: 852XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX mismanaged the insurance on this account and has since agreed to resolve but the wrong status and account information somehow went to collections XXXX XXXX office of the president of XXXX is handling. this need to be deleted and never effect my credit in anyway, my score needs to be returned to its previous status prior to the fraudulent representation wrongfully reported.


Date_received: 05/04/2016
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: 787XX
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:
XXXX dinged my credit to pressure me for money without notice as I called them only after getting credit report change notice from my XXXX account. When we spoke, the agent said I had to pay the balance and only then they 'll remove the credit reporting. I paid the balance and I do not yet see the updated report on my credit.


Date_received: 04/27/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Afni, Inc.
State: TX
ZIP_code: 786XX
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 wrote AFNI and the never responded to my request for information and legal validation of this alleged debt.


Complaint_ID: Yes
Date_received:
They sent me the transactions on this account for last 2 years and its very obvious that the account belongs to someone in AZ who had used it in the past to buy airlines tickets also ( names of the passengers are in the transactions ) They have refused to close the account


Complaint_ID: Yes
Date_received:
They want me to get a notarized letter from XXXX XXXX that I have not paid for this account. I can not get such a document as the XXXX XXXX Branch Manager says that they can only give a letter for the accounts I have


Subproduct: Equifax
Issue: NC
Subissue: 272XX
Consumer_narrative: Older American
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:
We appreciate your help in getting the credit bureau to correct the record. We would appreciate a notification of the correction made.


Date_received: 05/24/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: XXXX
Company: NOT IN ITS INDIVIDUAL CAPACITY
State: BUT SOLELY AS TRUSTEE FOR XXXX-THROUGH TRUST VI
ZIP_code: XXXX XXXX XXXX
Submitted_via: XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
Bank of America has transferred an interest in a Mortgage loan that they no longer own. The assignment is fraudulent under NY State Law, so all subsequent filings, and subsequent foreclosures, depending upon that invalidated assignment, are similarly void. The loan was sold to " XXXX


Complaint_ID: Yes
Date_received:
Bank of America is currently maintaining a foreclosure action with the use of unfair or unconscionable means to collect or attempt to collect a debt.


Issue: XXXX
Consumer_narrative: the Owner should physically deliver the Note to the transferee. Without physical transfer
Company: at the very least
State: incorrect and
ZIP_code: at most
Complaint_ID: Yes
Date_received:
Bank of America sold their rights and interest to the alleged Note by selling the Mortgage loan to XXXX. I have been informed over the phone by XXXX that this sale took place on XXXX/XXXX/XXXX. Investor # XXXX. If properly executed in accordance with the XXXX Trust Indenture ( published on XXXX/XXXX/XXXX ) and Custodial Agreement

Product:
 XXXX would have taken legal title to this alleged loan in XXXX and would have in its possession at that time

Subproduct:
 the Original note and a fully executed assignment of Mortgage ( or in recordable form ) dated sometime in XXXX. The instructions for the above XXXX assignment are under Exhibit C Section 12 of the XXXX Custodial Agreement. The assignment to the new current investor/lender ( XXXX XXXX ) would have to be from the Owner

Subissue:
 not the alleged Note holder or servicer ( Bank of America ). Pursuant to New York law ( the state where the XXXX for the current investor is held ) "" to perfect the transfer of mortgage paper as collateral

Company_public_response:
 the sale of the note is invalid as a fraudulent conveyance or as unperfected ''. The absence of XXXX in this chain of custody of the Note and Mortgage are

Submitted_via:
 blatantly fraudulent. I have in writing that XXXX was a previous owner on the loan. Bank of America sent me that information in a letter dated XXXX XXXX


Subproduct: it has no legal right to do so
Complaint_ID: Yes
Date_received:
Recordation of this Mortgage assignment does not confirm the true sale of the Note to the current investor/trust

Product:
 since no original assignment rendering the prior sale of the mortgage to XXXX was obtained. If the current Trust successfully forecloses

Issue:
 and the Trust will be exposed to claims for wrongful foreclosure by former homeowners and claims of fraud by subsequent purchasers. What is allegedly taking place is a "" fix ''. A "" fix '' is done by conveying the Note to a Trust right before a foreclosure. The "" fix '' has been created to cover up the chain of ownership of the Note and Mortgage due to missing indorsements from a previous owner or owners in the chain of custody of the alleged Note. The very fact that this "" fix '' has been executed is the actual proof that the assignment requirement never really was adhered to by XXXX guidelines when XXXX actually owned the Note. This "" fix '' is impermissible. It is typically directly from the Originator to the Investor/Trust in violation of the requirement that it go through all the intermediary parties. This "" fix '' is done right before foreclosures especially when Promissory Notes for loans have been sold


Date_received: Bank of America states they are a debt collector in the Foreclosure Lawsuit
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_public_response: Older American
Company: Consent provided
State: Web
ZIP_code: 05/24/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Product:
 making them subject to the FDCPA. They state they Hold the alleged Note.They do not state that they Own the Note. Bank of America 's misrepresentations and conduct are unfair and its deceptive practices in attempting to collect a debt are in violation of 15 U.S.C. 1692e ( 10 )"


Date_received: 04/11/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: NC
ZIP_code: 282XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
the member file was submitted by XXXX on XXXX/XXXX/2016 and the member submitted {$10000.00} to reinstate the loan and then was told it was {$12000.00} dollars and she submitted the money and was told the reinstatement amount was {$15000.00} dollars. She got the funds and submitted the funds and {$2000.00} dollars was kept. the local branch gave her {$13000.00} in plastic bags. She had a police officer help her count the funds and they were short {$2000.00} dollars ... ..


Date_received: 04/21/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: Capital One
State: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The bank closed my accounts and charged numerous fees after a bank representative suggested a new account type upon one bank buying another. I was lied to about the minimum balance requirements ( my accounts with the previous bank did not have fees associated with basic banking services ). I recently tried to open a new account at a credit union and was informed I could not because of these outstanding balances.


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: ROC Asset Solutions, LLC
State: CA
ZIP_code: 932XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
The law firm that XXXX hired to collect their debt is calling me on my cell, my work number. They are leaving VERY DETAILED information on my parents home phone, my sisters phone and my friends phone stating that this is XXXX XXXX from API and this message is for ( My Name ). XXXX ( My Name ), your agreed upon payment of {$170.00} failed to clear your bank and came back as insufficient funds. If we do not hear back from you within 24 hours we will be contacting XXXX XXXX for fraud charges for them to take their action on a state and federal level. Please return my call at XXXX ext XXXX And a XXXX also left this same message with a call back number of XXXX ext XXXX I do not live with these relatives or friends. They should not be leaving these types of messages.


Product: the mortgage was sold to Seline Finance
Complaint_ID: Yes
Date_received:
XX/XX/XXXX, I was put on long-term XXXX due to XXXX. I needed to move to XXXX to be near my family, and moved in XX/XX/XXXX. I tried repeatedly to contact XXXX to discuss my account. XXXX intentionally avoided communicating with me. In XX/XX/XXXX, XXXX had put my house up for auction in a foreclosure. I found out about the sale date from the occupant questioning one of the many people driving by and photographing the property. With the help of the XXXX Attorney General 's office, XXXX contacted me and began a modification process. I made my third " trial payment ' on XXXX XXXX. On XXXX XXXX

Subproduct:
 a mortgage collection agency. Seline put me on "" trial payments '' again for another four months. In XX/XX/XXXX

Issue:
 the buyer of my home began signing papers for the V.A. loan. I was given a projected closing date by the XX/XX/XXXX. That estimate has been delayed ever since


Date_received: Seline now tells me that if I do n't sign their mortgage by week 's end
Product: I will go back into foreclosure. Seline sent me a payoff statement
Complaint_ID: Yes
Subproduct:
 where I finally saw an accounting of my mortgage for the first time in 2 years. The principle is approximately {$48000.00}. Added to that is {$6000.00} in back-escrow


Date_received: Question 2 : When XXXX sold my mortgage to Seline
Issue: Selene Finance
Subissue: CO
Consumer_narrative: 815XX
Company: Consent provided
State: Web
ZIP_code: 04/26/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 did I lose my ability to contest {$6100.00} in "" interest '' that I 'm now being told to finance with a new loan?"


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: Radius Global Solutions LLC
State: MD
ZIP_code: 212XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Their is a new company trying to collect a debt I do n't owe after I file a complaint on the old company I believe they are switching names and locations to not get caught. Please have the account remove my credit please. Acct # XXXX {$74.00} and # XXXX {$710.00}


Date_received: 03/28/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 923XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/28/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Experian is reporting an account ( the only bureau of the XXXX major ) for XXXX XXXX / XXXX XXXX XXXX as delinquent in 2015. The store is not even in existence. It closed years ago. I paid off and settled the account 5 years ago. They continued to show late payments as early ago as last year. They do show it was settled but they have the wrong dates and the wrong status after. This is hurting my ability to get a home loan and it is incorrect.


Date_received: 05/07/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Santander Consumer USA Holdings Inc
State: OH
ZIP_code: 430XX
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 bought a used car in XXXX from XXXX and financed it through Santander USA. I paid {$15000.00} for the car. I admit that I was going through a personal and professional crisis at the time and did not pay enough attention to the deal. When they told me my interest rate was XXXX it did n't make a difference to me, I needed a car immediately in order to get to work. I have now made XXXX payments on that car. The loan is maturing XXXX XXXX, XXXX. The principal is {$8600.00} and the estimated payoff is {$10000.00}. It is a XXXX hole of a loan -- having paid them in excess of {$27000.00}, I have a car that is virtually worthless -- and they still want another {$10000.00} from me. How can I have this loan adjusted to a realistic state and stop being charged extraordinary fees keeping me in what is in essence a predatory loan?


Date_received: 05/06/2016
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: NC
ZIP_code: 276XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
Our mortgage was transferred XX/XX/XXXX from XXXX XXXX to Freedom Mortgage. We still owed a payment to XXXX XXXX for XX/XX/XXXX, according to Freedom Mortgage, so we paid twice in XX/XX/XXXX. This brought us current as far as we knew. Everything was fine until XX/XX/XXXX, they are saying we are still a month behind and keep changing their story as to why. Everytime we speak to someone they have a different story as to why we still owe another months mortgage payment that we have already paid. We even made a principle only payment XX/XX/XXXX, that they then tried to apply to another mortgage payment without our authorization. Please help. This is getting out of control, and they keep telling us to talk to our former lender, and we have, they said we were current before we transferred. We have never been delinquent on our payments. It seems like they are trying to make us go into default.


Date_received: 05/23/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: they threatened that if I did
Complaint_ID: Yes
Consumer_narrative:
I was the victim of predatory lending and unfair debt collection by Wells Fargo. They made countless unauthorized collection calls to my cell phone ( as many as XXXX times per day ) after I told them clearly and explicitly not to call it. This disrupted my work and later became a significant contributing factor to me losing my job. When I asked Wells Fargo if I could simply postpose ONE SINGLE mortgage payment while I got back on my feet, they coerced me into an inappropriate HUD loan modification which was not suitable for my situation. Even after I was able to start making regular payments, they told me NOT to pay because they were in the process of " underwriting '' this new loan modification. As I attempted to make payments

Company:
 I would be removed from the program and my house would be up for immediate foreclosure.They inundated me with duplicates upon duplicates of XXXX page documents in "" legaleze


Date_received: While Wells Fargo was going through the Underwriting process and the trial plan
Consumer_narrative: that "" the process takes 10 days so they can take all things into account
Company_public_response: such as the factors in the loan modification. '' I asked one last time
Company: "" So you 're telling me I only owe $ XXXX
State: right? '' to which they answered something like
ZIP_code: "" you 're correct
Complaint_ID: Yes
Product:
 they started sending out representatives to "" check in on '' my property. They sent people who identified themselves as being "" from the bank

Subproduct:
 '' who frequently approached my neighbors asking if I still lived there. These representatives went on to disclose with my neighbors on multiple occasions my house was "" under foreclosure ''. You can not imagine the humiliation that I felt and the relationships that were severed because Wells Fargo disclosed incorrect and confidential information. I called Wells Fargo to request a payoff on my mortgage. They said after 10 days

Issue:
 I would receive a written payoff in the mail - which I did. The payoff I received was $ XXXX. I was uneasy about the payoff ( given the previous struggles with Wells Fargo ) so I called to clarify. I explained the history of the situation with their payoff department

Subissue:
 reminding them that the loan had been part of a loan modification and I was concerned that my entire payoff may not be accounted for correctly. They reassured me however

Submitted_via:
 XXXX . XXXX. '' We listed our house in accordance with the payoff ( just trying to break even ). The house stayed on the market until XXXX 2016


Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Wells Fargo & Company
Subissue: OH
Consumer_narrative: 452XX
Company: Consent provided
State: Web
ZIP_code: 05/23/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
Wells Fargo deceived me into engaging loan modification without clearly explaining that ( 1 ) I was going to getting a XXXX mortgage from HUD

Product:
 in which I would be later responsible for payments that Wells Fargo told me not to make ( 2 ) that Wells Fargo was going to obliterate my credit score ( 3 ) that Wells Fargo would harass me by making illegal collection calls repeatedly on a cell phone which I explicitly told them not to call and ( 4 ) they shared inaccurate/confidential info about my file."


Date_received: 05/04/2016
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: NJ
ZIP_code: 077XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX This account : 1. Was opened XX/XX/2015 2. Was closed in XX/XX/2015 XXXX. Has an Inaccurate Pay status, it should be Paid/Closed XXXX Balance 4. Is missing its balance history for the duration of the time the account had been open 5. Is missing Payment Data for the duration of the time the account had been open 6. Has erroneous comments added - to this and almost all of my accounts.


Date_received: 04/28/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Regions Financial Corporation
State: AL
ZIP_code: 365XX
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:
As a working mother, my family has banked with regions for several years now. I do n't recall them asking, but I know they switched our statements to online only, and we no longer receive paper statements. My husband nor I have had much experience managing finances and live paycheck to paycheck to make ends meets. Recently when I needed information, I found our online statements online ( not easy to find since I use mobile banking per the bank 's request ), and realized my family had paid the bank thousands and thousands of dollars in overdraft fees and fines each month. We barely get by as it is, and I was sickened to see that my trusted financial institution had not only been charging me multiple fees for single transactions, but allowed this outrageous amount of fees to be charged month after month. Never once did we receive any letters indicating we were incurring so many charges, never once did we receive a phone call and I honestly do n't remember even signing up for overdraft protection. I see now its a button you can click, but its not very clear and would be easy to click and forget about. The only time I recall intentionally signing up for any overdraft protection was when we had a savings account linked, which was closed years ago. I am now learning to budget and take control over my finances, but feel taken advantage of by Regions and feel it should have put a limit on the maximum number of fees, or turned off the overdraft service ( which I am not 100 percent certain I ever signed up for. ) In XXXX my family paid {$6400.00} in overdraft fees to Regions, in XXXX my family paid almost {$11000.00} in fees to Regions and in XXXX these past few months alone, we 've already paid {$4000.00} in fees. I will be moving banks in the near future to an institution that I feel is a trusted partner, and an institution that will counsel and advise families like mine, scraping by on how to better budget and manage finances. Instead I feel Regions robbed me blind and unfortunately I was not wise enough to realize it before now. Regions has not helped my family achieve our financial goals, instead they have stolen them from me and my children. There are weeks we scrape by to make ends meet, but that I now know is in large part to Regions deceitful and manipulative policies.


Date_received: 05/08/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: United Revenue Corporation
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked United Revenue Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on 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.


Subproduct: 21st Mortgage Corporation
Issue: TX
Subissue: 762XX
Company_public_response: Consent provided
Company: Web
State: 04/27/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ACCOUNT NUMBER XXXX PURCHASE XXXX 2010 WE DID NOT SIGN ALL OF THIS CONTRACT I HAVE THE PAPERS SHOWING A FORGED SIGNATUREW OF MY NAME!!!!! PLEASE RE CONTACT THE M THEY NEED TO SETTLE THIS COMPLAINT WE WANT SOMEONE TO CALL US!!!!!!!!!!!


Date_received: 05/04/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: CA
ZIP_code: 922XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
my rent check is dated XXXX, my XXXX yr old land lord who lives XXXX, i live XXXX ... without my knowledge deposited said rent check on XXXX causing me an overdraft of {$35.00}, money i do not have ... knowing my social security check would not be deposited until XXXX, in essense i was set up to fail! upon calling WF, they offered me a {$8.00} refund. how can anyone survive when the system is so rigged for us to fail? what good is a date if it 's not honored? also i think this is perhaps the 1st time this has happened in XXXX yrs with WF ... and they treat me this way, where is common sense and customer care? very disappointed and {$35.00} poorer ... thnx WF for having your customers back


Date_received: 04/27/2016
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: Wells Fargo & Company
State: WI
ZIP_code: 532XX
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 made a mobile deposit through Wells Fargo XXXX/XXXX/16 for {$1000.00}. On XXXX/XXXX/16 there was an hold placed on it stating they are getting a refer to maker error when attempting to pull the funds. I contacted XXXX XXXX retirement who issued the check and after looking into it they stated they see nothing wrong with the check and that my bank should have been able to pull the funds. After contacting Wells Fargo and informing them of this they are still stating that they are unable to access the funds. I requested that they release the check so it can be returned to XXXX XXXX so they can issue me a new check but Wells Fargo is stating that it was put into on a 5 day hold and nothing else can be done until XXXX/XXXX/16. My problem is that if the issuing party claims there is nothing with the check something must have went wrong when my bank processed it but they are refusing to do anything about it and no one can tell me what is going on which is very concerning to me.


Date_received: 04/25/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Can't stop charges to bank account
Subissue: Can't stop charges to bank account
Company: Big Picture Loans, LLC
State: CA
ZIP_code: 940XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX I took out a Payday loan with XXXX XXXX for {$400.00}. XXXX advised by the representative I 'd need to repay a finance charge of {$140.00} + the original loan amount, for a total of {$540.00}. They have not stopped charging my account since XX/XX/XXXX. When I contacted them in XX/XX/XXXX, they told me that I had to pay an interest payment before I could pay the principal. I threatened to contact an attorney, and they stopped, but started again as Big Picture Loans. They have drafted by account twice monthly. Upon further inspection, they have fraudulently initiated XXXX new loans in XX/XX/XXXX which I did not initiate ( See Attached ). Please help.


Date_received: 04/30/2016
Product: Credit card
Issue: Late fee
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: CA
ZIP_code: 951XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Bank of America refused to debit my XXXX XXXX Bank Account and then charged me a late fee. I paid the late fee and despite numerous calls, Bank of America will not debit my XXXX XXXX account.


Date_received: 05/11/2016
Product: Credit card
Issue: Billing disputes
Company: Capital One
State: MD
ZIP_code: 212XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Both of my capitol one credit card accounts are restricted. I can not get a reason why nor have this restriction lifted so I can use my cards.


Date_received: 04/30/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: which was some two weeks ago. Each time I answer
Complaint_ID: Yes
Consumer_narrative:
XX/XX/XXXX, we submitted proof of insurance on a property on which Nationstar Mortgage holds a mortgage ; the policy covered from XX/XX/XXXX to XX/XX/XXXX. Despite this, the insurance department of Nationstar then purchased a policy on this property and billed us for the cost. When I received a call informing me that our account was in arrears, I then faxed another copy of the proof of insurance in XXXX XXXX. They sent me a letter claiming that the policy only covered until XX/XX/XXXX. I called and spoke to a customer service representative in the insurance department. I had the XXXX pull up the proof of insurance and read me the dates of coverage. This individual read that the dates of coverage were from XX/XX/XXXX to XX/XX/XXXX. He then assured me that he would correct their error and make certain that the account would show that we were not in arrears. This was not done. The next letter I received informed me that the proof of insurance I had provided was unsatisfactory because it stated that the policy covered XXXX structures. I called and spoke to a supervisor in the insurance department and explained that the policy covered XXXX structures because there were XXXX structures on the five-acre property, a fact which they could easily verify if the merely consulted the legal description of the property. The supervisor then told me that he would " research '' the issue and call me back. He never did so. I have received daily phone calls since that date

Company:
 the caller informs me that we are behind in our mortgage payments because we have n't paid for the insurance policy Nationstar purchased for us. I then tell ask to be connected to the insurance department. When I speak to the person in the insurance department


Date_received: The kicker is that Nationstar did this same thing to us last year. They
Product: of course
Subproduct: are reporting us to the credit reporting agencies
Complaint_ID: Yes
Issue:
 and our credit rating has been destroyed. I had to put in a great deal of effort last year to try to repair our credit rating. Now


Subproduct: and we have never done anything wrong. What recourse do I have?"
Subissue: Nationstar Mortgage
Consumer_narrative: CA
Company_public_response: 956XX
State: Consent provided
ZIP_code: Web
Submitted_via: 04/30/2016
Date_sent_to_company: Closed with non-monetary relief
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Date_received:
I am at my wit 's end. We own XXXX real properties and have always paid all of our mortgages on time

Product:
 and we have always submitted proof of insurance. No other mortgage holder has ever done anything like this. This company has made it nearly impossible for us to obtain credit now


Date_received: 05/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: NC
ZIP_code: 280XX
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 would like the incorrect issue on my credit report removed showing a judgement as this was satisfied/paid in full a while ago. Thank you


Date_received: 03/28/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: IL
ZIP_code: 606XX
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 checked my credit report and it says that I have loans out in my name but I do n't have any loans that I am aware of. I believe that I am a victim of identity theft. Furthermore, the report says I have car loans out in my name and school loans as well.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: Kansas Counselors of Kansas City, Inc.
State: KS
ZIP_code: 671XX
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 receiving automated calls on my cell and at work with the threat of a pending wage garnishment. I have no lawsuits filed against me and no pending wage garnishments. The call says to wait on the line and an operator will help you, but when you wait on the line, the call ends after 30 seconds or so. No one comes on the line and no one identifies the company name in the calls. The phone number making the call is XXXX. I wrote to KCI to dispute the debt they are trying to collect on, and never received a response from them.


Date_received: 03/29/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: AZ
ZIP_code: 333XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/29/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have written a few times and the bureaus just are n't doing anything for me and I am pretty certain that they are violating the FCRA by not correcting the items that I am disputing. They are reporting a bankruptcy on my file, and yet the accounts that are part of that bankruptcy still have " included in bankruptcy '' which is not supposed to be there. I have repeatedly notified them of this and they failed to remove it. They also did not provide any documentation whatsoever verifying anything."


Date_received: 04/04/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: Long & Foster Financial Services, Inc.
State: VA
ZIP_code: 220XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
A representative from Prosperity Home Mortgage contacted me about pre-qualifying for a home loan. During the conversation he indicated he obtained my information from XXXX XXXX XXXX in XXXX, VA. I did not authorize the sharing of any of my information.


Date_received: 05/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: DC
ZIP_code: 200XX
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 credit was pulled without knowledge on XXXX XXXX and XXXX. XXXX made XXXX unauthorized inquiries on my credit report. Equifax gave me the following address : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. I tried contacting the company and was unsuccessful. I called XXXX XXXX business licensing. They do n't have a record of this company. I am in the process of closing on a home and got denied because of the above inquiries. I am trying to get the inquiries removed ASAP.


Date_received: 05/06/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Company: Transworld Systems Inc.
State: PA
ZIP_code: 196XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been paying on my formerly XXXX student loan. UAS is the servicer, XXXX bought the loan from XXXX. All the sudden, I could go months without paying, and never heard from them. Then, today, I stacted getting phone calls stating that I am late. I called them and pressed them about what happened with XXXX. I asked if my student loan was one of the ones that was forgiven. He would not answer this question. He refused to give me any information other than my balance and what I owe. I called XXXX and they said to check my credit score, since that would include who has my loan and a contact of the company. I looked up my score and history, and the loan does n't exist. It disappeared, which would indicate that it was one of the forgiven loans. Yet this company, UAS, ( University accounting services ), is claiming I owe them money and is refusing to give me any information on what exactly happened to my loan. ( He was insistent that XXXX XXXX XXXX XXXX was the orginiator. They were n't. XXXX was. ) And XXXX, went under as well and was bought by XXXX. They also are in legal issues and going under. Yet still, UAS is claiming I owe them money and refuses to give me any information. The loan is not anywhere on my credit report.


Date_received: 04/29/2016
Product: Credit card
Issue: Other
Company: Amex
State: UT
ZIP_code: 840XX
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:
XXXX is ending it 's relationship with XXXX XXXX and in doing so is transferring all of their credit cards to XXXX XXXX cards. I have not applied for a XXXX XXXX XXXX and yet a new card is being issued in my name. How is this possible. I do not want a new visa card and I did not apply for one. According to XXXX and XXXX XXXX the only way to cancel this card is to cancel my XXXX card or wait until XXXX XXXX and then cancel the new XXXX card. Either of these items will show up on my credit report. I am very unhappy with XXXX and XXXX XXXX that they can open a new account in my name that I have not applied for and never do I want. Is XXXX so large that it can do whatever they want with my financial records? Shame on XXXX and shame on XXXX XXXX!


Date_received: 05/02/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: The Huntington National Bank
State: IN
ZIP_code: 461XX
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 own a XXXX wanted to transfer money from XXXX banks to Huntington so it was more convenient than my small town banks. Was told to give irs ein which is under my ss # she said no problem we can look it up that way. Now today when I go with everything she asked for, and I have a witness, she said no that even since ein # has been ur ss # since 1998 they demand me to change it ... XXXX!! Huntington you can praise your XXXX Indiana branch for losing you thousands of dollars, but I 'm sure that does n't effect your highway robbery business ... ..pissed as XXXX customer


Complaint_ID: Yes
Date_received:
I was a student at XXXX XXXX XXXX in XX/XX/XXXX ( ish ). While going through the student loan process, I was unaware of the amount of debt that I was getting myself into. A staff member kept me occupied while another filled out my loan paperwork. He did not directly disclose to me what I was getting myself into. Instead, he would ask questions while the lady would talk to me, occasionally asking me to " sign here ''


Date_received: With that said
Subproduct: despite asking multiple times for help from the professor ). At the end of the course
Issue: however
Complaint_ID: Yes
Product:
 the staff of the school violated federal rules. For example - I was enrolled in a XXXX class ( which I fully expected to fail

Subissue:
 I noticed that my final grade was a XXXX The professor and school manipulated my grade. I did not understand the material and I wanted to


Date_received: For the following years
Product: I received numerous calls from them
Complaint_ID: Yes
Subproduct:
 was even screamed and yelled at over the phone by their employees. I offered to make payments ( despite only making $ XXXX/hour at the time )

Issue:
 but they were n't the {$700.00} to {$900.00} payments that they said I owed. They would not accept ANY payment and continued harassing me ( including violating federal law


Date_received: Their customer service is deplorable. For instance
Complaint_ID: Yes
Product:
 I just called - and an employee said I needed to talk to someone in customer service. They gave me the telephone number


Date_received: I understand that I have debt ; however
Product: I feel as though XXXX XXXX XXXX
Subproduct: Navient
Issue: XXXX XXXX
Subissue: and XXXX XXXX XXXX are all corrupt
Consumer_narrative: deceptive
Company: at the very least
State: have some of my debt removed and my credit cleaned up. I was young
ZIP_code: naive
Company_response: Navient Solutions, Inc.
Timely_response: NC
Consumer_disputed: 280XX
Company_public_response:
 and used shady and unethical practices and tactics to ruin my credit and I would like to speak to someone regarding filing formal complaints against all ; or

Submitted_via:
 and inexperienced with everything at the time that I attended that corrupt institution and have been wronged and treated extremely poorly as a result."


Date_received: The first contact from Gragil Associates
Subproduct: and asked if I could do that instead. She said no
Subissue: but can make payments
Consumer_narrative: and she refused. She said "" they do not do that '' and I have to pay the full amount. Since then
Company_public_response: I have received a bill every month
Company: and every month they 're adding more negative comments to my credit report. Every month
State: I do the same thing
ZIP_code: and call and say that I can make a payment
Company_response: but they keep falsely telling the credit agencies that I am refusing to pay
Timely_response: destroying my credit. XXXX XXXX XXXX refuses to take a payment unless it is in full
Consumer_disputed: which I can not afford
Complaint_ID: and they will not give he debt back to XXXX XXXX hospital
Product:
 I explained that I never knew I had a debt and certainly would have worked this out with the hospital

Issue:
 and that she needed me to pay the full amount or it would be on my report and they would take me to court. I said I could not come up with the money

Submitted_via:
 but she says the same thing "" they do n't do that '' and she wants it in full ( yet they are reporting to the credit agencies that I am refusing to pay

Date_sent_to_company:
 which is not at all the case ). I got a final letter on XX/XX/XXXX that says "" I fail to understand your lack of cooperation and feel this should be paid. '' I have been trying to cooperate since day one


Date_received: I would like these negative remarks taken off of my credit reports from them
Subproduct: or give the debt back to the hospital
Complaint_ID: and they will not give he debt back to XXXX XXXX hospital
Product:
 as I am TRYING to take care of this debt ; in addition I would like them to accept some sort of payment


Date_received: In addition
Issue: but she will not speak with me."
Consumer_narrative: Gragil Associates, Inc.
Company_public_response: NH
Company: 031XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 03/10/2016
Company_response: Closed with explanation
Timely_response: No
Consumer_disputed: No
Complaint_ID: 1826625
Product:
 it should be stated that I have tried calling every single day since the latest letter was mailed to me on XX/XX/XXXX

Subproduct:
 and am told every day that she is not in the office ; so now they are still sending me threatening letters and having other people call me


Date_received: 05/04/2016
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: PA
ZIP_code: 190XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was recently laid off from my job and attempted to see if I could get my student loans from Navient temporarily suspended until I could find work again so that I could continue making payments. Navient told me my only option was to put the loans on forbearance for 3 months and they would have to charge me {$150.00} for this service ( completely unacceptable to take advantage of someone this vulnerable! ). I have also attempted to lower my monthly payments of {$500.00} with them and come to finally find out that I 'm only on a 5 year term repayment plan ( which I was never informed about ; no wonder I 'm paying {$500.00} a month! ) They informed me that in order to lower my monthly payments they would have to extend my terms which would require a credit check ( not sure why that is ) and my co-signer would have to prove she is not able to make the payments either. I 've attempted to remove my co-signer a few times off of my loans as I 'm no longer in contact with them and I 'm XXXX years old and no longer need a co-signer. Navient is extremely difficult to work with and I want my payments temporarily suspended until I can find a job without getting charged for it, I want my monthly payments lowered, and my co-signer removed from my loans without her permission as I 'm XXXX years old, no longer need a co-signer, and I 'm the primary on the account.


Subproduct: Amex
Issue: WA
Subissue: 981XX
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 defective product should have been covered under American Express 's warranty programs. I treated the defective product in no way badly and it was only a few months old. American Express has refused to honor their warranty. ( The last Claim Number I have with American Express for this matter is XXXX ).


Date_received: 05/24/2016
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: Pentagon FCU
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I cancelled my service with XXXX yet was still charged for it on my Pennfed Credit card. I called XXXX XXXX radio and was promised a refund, but never received it. I then disputed it with Pennfed. I both emailed back and forth with customer service and mailed the form. However, they claim it was never received and would not help me resolve the matter. In this day and age it is absurd that only snail mail is accepted, but that is another issue. I did my part and should have received the protection from Pennfed regarding my dispute. I had a credit line of XXXX. I never paid late. I am/was a great, reliable, trustworthy member. And I was treated with disrespect and offered no recourse for the bogus charge. So, I choose not to pay it was not authorized by me. Now Pennfed has charged fees, on top of fees and reported the negative account on my credit reports as expected. However, I am asking for your assistance in resolving this matter as I do not owe them anything. They should have disputed the charge on my behalf as indicated on my statements.


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
Company: Selene Finance
State: NY
ZIP_code: 112XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My Loan with this company was fully paid off several months ago ( XXXX XXXX ), I have since been requesting proof of this I called several times, they would put me on hold for an extended time, transfer me from department to department with no help, and finally some one would promise to provide the information, but to date nil. I just reached out to them today XXXX/XXXX/XXXX, spoke to four persons ( names ) and when I indicated that i 'm recording the call, I was abruptly disconnected from the last person. I have been patient, but this practice is unacceptable, I needed this information for my other loan that 's not with Selene Finance, and for clearance for work. They are messing with people lives and do n't care. I also need help in acquiring the proof of payment. It is my legal right that I have access to the information and this is a violation of same, I would seek legal advise but that is an expense I can not afford at this moment.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: FL
Subissue: 321XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/27/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have spent hours on the phone trying to find a solution and all I get I the run around every time I talk to someone I get a different story, I am filing this complaint because I do n't know what else to do, and I need to get my money back.


Subproduct: TD Bank US Holding Company
Issue: NJ
Subissue: 071XX
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:
It took three days to make a complaint two DAYS TO PROCESS COMPLAINT AND 20 DAYS AND STILL HAVE NOT GOTTEN BANK CARD. i AM SO FED UP WITH SERVICE. SOMEONE GOES ON ON LINE BANKING AND DISTURBS ALL THE WORK THE BANKERS DO IN COURSE OF DAY.. i HAVE BEEN TARGETED MORE THAN ONE TIME IT IS AN INSIDE JOB. LOOK INTO MATTER PROMPTLY.. BANK CARDS ATM CARDS CHARGE NEED BETTER SOMETHING SO THIEF CAN NOT ACTIVATE. UN EXCEPTABLE


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: ACE Cash Express Inc.
State: TX
ZIP_code: 775XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
These Ace cash express people keep calling evey one they can about a debt that is in my name. They even called my ex husbands wife at work in the middle of her work day to harass her. This is not my debt, I have never taken out a pay day loan and this is n't even on my credit report. After speaking to my ex husband he stated they have been calling him and harrassing him for the last two years, however these people have not contacted me.


