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Company has responded to the consumer and the CFPB and chooses not to provide a public response

I am trying to contact Experian because I submitted a police report proving identity theft and I have tried to submit additional inquiries for review because they are fraudulent and Experian refuses to allow me to do it.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

XXXX is reporting to the XXXX consumer reporting agencies an acct that should be closed because XXXX brought out my contract with XXXX. XXXX was also supposed to have paid the remainder of my bill with XXXX as part of their XXXX promo. I am no longer a XXXX customer so why are they reporting this account as open. I no longer have any XXXX phones. This account should closed and off of my credit reports.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

A couple of months ago I thought I paid my Macy 's card in full. Then a couple months later, I looked at my statement and it had several {$2.00} charges. Macy 's charged me interest on an account that was paid in full and because there was a balance, an automatic {$2.00} charge was given. It was something new they had just started and as a courtesy, removed all of the charges off my account and reported to the credit bureau that I was in fact not late on any credit card payments. Things took a different turn when Macy 's ( credit services ) reduced my credit limited from approximately {$3000.00} to a mere {$100.00}. I have been a card holder with Macy 's for 10 years, it was my first ever credit card. I had never been late. The reduction in credit limit caused my credit score to go down XXXX points!! I am attempting to purchase a home and because of Macy 's credit, I could be negatively impacted in my rate. I spoke with someone at Macy 's credit and they refused to increase my limit and even spoke to someone in management.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I have reviewed my XXXX Credit Report and have found multiple issues with out of stature accounts reported as collection charge offs with various creditors as well as Student loans being reported 30 or 60 days late while under deferments. I also identified erroneous billing issues due to promotional interest rates of 0 % for 12 months being billed at 21 % and my inquiry to this with the credit directly goes ignored.

Company believes it acted appropriately as authorized by contract or law

The Law Office of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX send me a document that looks like a COURT DOC with a case no. XXXX. XXXX XXXX FL Bar XXXX sign the Document that apparently is Civil Lawsuit. However, it does not have a stamp from the court or it is not even notarize. Furthermore, most of the document is not even completed. The document claims that my wages at the XXXX ( where I work ) are going to be garnishee. I research the company and they do collections. XXXX XXXX and the Dyck-O'Neal have a habit of going after people and try to collect debts using illegal tactics. The Lawsuit is in reference to a house I lost in Foreclosure back in the year 2010 located in XXXX Florida because I could not longer afford the mortgage. The Plaintiff mention on the document is DYCK-O'NEAL INC. Please investigate both of these companies and stop them from continuing doing this type of practice and intimidate people like me trying to rebuild my life after such a huge economical lost.

Company chooses not to provide a public response

Bloomingdales did not appropriately safeguard my credit account information. Someone accessed my account that had not been used in years and began ordering multiple high-dollar items on consecutive days. The first package arrived to our previous residence and we were notified by the tenants we had receive a package. I immediately notified Bloomingdales on XXXX XXXX that a fraud/security breach had happened and that I did not order this item. They kept me on the phone for over XXXX hours while they tried to figure out what was going on. I was eventually told that the perpetrator was able to order over {$2300.00} worth of items and change the shipping address with NO fraud detection!!!!!! I ca n't even place a single online order without them holding it for verification, but this person was able to ship multiple $ XXXX items to a new billing address???? I was told by the representative that they would send out a fraud form and cancel XXXX my store account ( which these charges occurred on and my XXXX ). On XXXX XXXX, the company proceeded to process a payment from my bank account despite my notification over a month before notifying them of the FRAUD!! I contacted them again, spend another hour + on the phone, requested to speak with a supervisor, spoke with XXXX different reps and was advise to fax in my bank statement showing the charge as well as my bill and the dispute information. I did that in late XXXX and I still have not been refunded for the amount they had no right to take from my checking account AFTER I reported the fraud. This company is neither protecting consumers from FRAUD, nor notifying their customers when a data breach has occurred and they owe me over {$2300.00} that they unrightfully took from my checking account after the fraud notification.

Company believes it acted appropriately as authorized by contract or law

usaa had a sales promotion that if you opened a direct deposit account to checking you would receive {$300.00} after 60 days. I joined and received {$300.00} in my account XXXX XXXX or XXXX XXXX, 2015. Under my account details they listed the {$300.00} as INTEREST. IT WAS SALES PROMOTION. When I complained they list it as job income, other income, everything but a sales promotion, and then without my knowledge switch it back to interest received 2015. IT WAS A SALES PROMOTION, NOT INTEREST ON MY ACCOUNT. I have complained several times. I receive only XXXX social security. It being listed as interest or job income changes my IRS filing status. I want it listed for what it was A SALES PROMOTION. I only received {$0.00} interest for 2015.

Company chooses not to provide a public response

I paid my most recent mortgage payment by phone on XXXX XXXX. During that process, I was advised by the automated system, that my payment could not be processed. I called back and spoke with a representative, who verified that my payment had in fact been processed along with the {$13.00} fee charged. This originally happened about 5 months ago. I made my XX/XX/XXXX or XX/XX/XXXX payment and was advised that it was not processed. I was a little worried and called back to speak with a representativeIThat 's when I was advised that the payment was n't processed again because I already paid. I advised the representative that the automated system told me that it could not be processed and if I had n't called back in, I would have never known that my payment and fee of {$13.00} was processed. I have reported this issue for several months and nothing has been done about it. From my understanding, when processing an ACH payment, there is a XXXX disclosure that must be provided every time a payment is made.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

My wife and I were working with XXXX, a HUD approved mortgage counselor, to apply for a HARP modification with CitiMortgage. We had initially applied in XXXX, 2015 and after numerous submissions of income and information, we were denied the HAMP modification. Our housing counselor at XXXX even mentioned that we should get a lawyer at one point in the process because CitiMortgage was giving us the runaround. CitiMortgage told us that the reason the HAMP modification was declined was because our income of $ XXXX/month did not reach the XXXX % mark for the loan to be modified. We were only at XXXX %. The XXXX counselor then contacted CitiMortgage to confirm the numbers and asked, at our request, for an appeal and that CitiMortgage include the income of my mother-in-law, XXXX, to qualify as well, since she is living in the home with us permanently and my wife and I have power-of-attorney over her finances. After much back and forth, CitiMortgage decided to allow her income on the appeal, which was around $ XXXX/month. All we needed was another $ XXXX/month income to get the HAMP modification and XXXX agreed to let us use $ XXXX/month toward that purpose. However, when we reapplied, CitiMortgage again rejected us for the HAMP modification. They stated that from our original income of {$5000.00}, the new income for the second decline was {$4900.00}. Instead of increasing the original amount of income by {$800.00} to {$5800.00}, CitiMortgage decreased our income to {$4900.00}, a decrease of {$130.00}. This is fraud. After that, CitiMortgage offered us a blind " modification '', as they called it, of a 40 year loan with 7 % interest that was not based on any of our income. This is bait and switch.

Company believes it acted appropriately as authorized by contract or law

Debt reported to collection agencies even though I was trying to communicate with agency. Also, incorrect amount of debt owed.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Experian - learned about FCRA XXXX and sent on XXXX XXXX to block. Experian refuses to block.

Company believes it acted appropriately as authorized by contract or law

This account is not mine and does not belong to me. This company bought this debt and wants me to pay on something that is not mine. I have reported this to all XXXX credit bureaus and they will not re-dispute it. Stating that the company verified it belongs to me but this company has not given proof.

Company chooses not to provide a public response

I recently sumbited an indirect-credit bureau dispute to XXXX XXXX XXXX ( AKA XXXX XXXX XXXX XXXX disputing the 30 day late payment history reported to XXXX Experian for XXXX 2015, XXXX 2015 and XXXX 2015. In discussion with XXXX XXXX, Loan Operations/ Risk Manager and XXXX XXXX XXXX Loan Operations Manager, I was advised that while I had executed on time payments for XXXX 2015, XXXX 2015 and XXXX 2015, XXXX had intended to report past due for XXXX 2015 and XXXX 2015. However per the credit reporting agency reports XXXX did not report XXXX 2015 or XXXX 2015 as past due, XXXX instead inaccurately reports XXXX 2015, XXXX 2015 and XXXX 2015 as past due. XXXX XXXX admitted that XXXX has a practice of reporting late payments when consumers pay on time. I have enclosed a letter from XXXX confirming their errors. In the enclosed letter, XXXX confirmed I had only XXXX 30 day late payments during the disputed time of 2015 as of XXXX/XXXX/2015 ; XXXX 2015 and XXXX 2015. Even though XXXX is regulated by FCRA and has been put on notice of the errors, XXXX XXXX refuses to correrct the inaccurate late payment hisotry. XXXX XXXX is aware that XXXX XXXX has a systemic problem of reporting late payments inaccurately and knowingly refuses to make corrections. XXXX XXXX even went as far as to threaten me if I filed a regulator complaint or an XXXX stating, she would go back and change the reporting for the months XXXX did not report as past due. Sadly my wife and I are far too educted in FCRA to take her threat seriously. We know that XXXX must not supply information to a CRA that it knows ( and should know ) is inaccurate. This includes reporting late payments when I have paid timely for the reported month. The willfulness of XXXX XXXX and XXXX XXXX to refuse to udpate inaccurate information when notified and aware of errors is not only harmful to the consumer but the industry as well. I expect the FTC, CFPB and FDIC to fully investigate this systemic control problem XXXX. Perhaps had XXXX had appropriate controls in place to ensure accuracy of reporting I would not be in a position to spend hours writing to their regulators. Sincerely, XXXX XXXX XXXX

Company chooses not to provide a public response

I applied online at wellsfargo.com for a secured credit card with Wells Fargo on XX/XX/XXXX2016. After the application was complete, I received a screen that said my application was pending because Wells Fargo needed more time to gather more information. I did not receive any further correspondence from Wells Fargo about the application nor did I receive a phone call or any message from my Wells Fargo account about the application. On XXXX XXXX, 2016 I checked my account in the morning and found that {$300.00} was taken out of my bank account for the secured credit card that was approved with Wells Fargo. At this time I still had not received any information that I was approved for the application or that money would be taken from my bank account to start the secured credit card. As soon as I saw the money had been removed I called Wells Fargo to find out why. I spoke with a representative in the credit card department who advised me that I was approved for the application and that I would receive a card in the mail within 7-10 business days. I advised that I was upset about the steps that had been taken with no communication on Wells Fargo 's part to advise of the approval and that I wanted to know if I could decline to receive that account. The rep advised me that I had 10 days to call back to get my money back immediately but if I did not then it would take 45-60 days to have funds put back into my bank account. I waited 2 days to see if I would receive anything from Wells Fargo stating the account was approved and I did not. I proceeded to call Wells Fargo and close the account. I was advised that it would take 45-60 days to have the funds refunded to my account. I proceeded to advised the representative the issue and what had happened and she advised me that it may be sooner since the account was not fully funded and still in processing. As of XXXX XXXX, 2016 my funds have still not been refunded to my bank account and I still have not received any communication that I was approved for a secure credit card and what the terms and conditions of the card/application are. I called again on XX/XX/XXXX2016 and spoke with XXXX representatives and nothing was attempted to get my funds refunded sooner than XXXX business and I was advised that Wells Fargo 's policy was that they only refund the collateral hold within 45-60 days. Because I did not receive a email/letter/call about the approval for the application I was not made, aware before the funds were taken out of my account, that this was a policy of Wells Fargo and that it would apply to me once the funds were removed.

Company chooses not to provide a public response

I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was station in XXXX. I never lived in XXXX. I reported this to the credit bureau once before.

Company believes complaint is the result of an isolated error

I purchased my own homeowners insurance in XXXX of 2014. On XXXX of 2014, Greentree placed lender placed insurance plus unneeded flood insurance in the amounts of {$1500.00} and {$1900.00} on my property creating an escrow shortage. They have acknowledged that I had insurance ( 1 year later XXXX but are still insisting that I owe escrow resulting in my on-time mortgage payments being credited toward escrow shortages and then being considered late. I have made all of my payments on time yet they asked for an additional {$1300.00} in XXXX. They have threatened to foreclose and bounce me from representative to representative with never a resolution. There is no physical address to get a signature from so they do not acknoledge receipt. I am honestly ready to let them foreclose in the hopes I can get a resolution with a judge present.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

My husband and I both had our PI information stolen and subsequent credit cards where opened in our names. We have tried for over a year now to clear our good name to no avail. i have followed every proper protocol revolving CFPB, FTC ID theft complaints in the hopes of having the XXXX CRAs block the fraudulent accounts. Instead of assisting they actually revictimize and make it much harder. My credit is in shambles and I am unable to refinance my home!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Bankof America, N.A. Servicer/Lender PredatoryLoan ( ARM ) XXXX ( 5 year fixed -interest only, 25 year ARM ) apparently funded by Bank ofAmerica , Inc . Originated XX/XX/XXXX .In XX/XX/XXXX as homeownerNOT LATE we asked to do a principal reduction @ the time we were told & have written communication along from several employees, executives " we do not know who your investor is? '' All of which is documented via email, phone conversations, certified/registered mail. In addition, they reported us late, accelerate on our home by certified mail receipts, created a short sale, declined all requests to pay off loan in full, declined purchase offers all while NOT LATE! They still could not find out who are investor was. NOt too mention they tried to decline payments WHEN WE were not late. They told us " you have to go late to find out who your investor is. '' Every employee email & executive indicating such. Back & Forth for 2 years, Again still declining any attempt to discuss principal reduction, I even asked " if you do n't know then where are my payments going to? '' They spent over XXXX hrs telling me how to write a hardship letter, what it has to say, how to word yet still declining every attempt to do a principal reduction, & purchase/payoff loan.Through the years we have hired/paid different attorneys, non profits, mailed letters, individuals, spoke with past & present employees WE BLAME THEM & RELIED on their advise by doing exactly what they told usto do.They PUTT US IN THIS POSITION & ALL OUR MONEY LOST. Presently, now we have NOD, Trustee Sale date XXXX. Again they ignore our letters & WE paid AGAIN ATTY & NON PROFIT of which get the same results & at our expense TO HELP US. We finally took their advise went late. Still to get the same answer " we do not know " who your investor is ( all documented ) & still turning down any concrete answers AND OUR expense they would reinstate our loan after months & months. During the time & after we took their advise we attended seminars, spoke to attorneys, contacted agencies/individual, wrote letters, again NOTHING! Everyone seems to have an interest in our property or own it, yet no one can tell us who the investor is. Currently, now XXXX XXXX XXXX claiming to be the lender, creditor, debtor all in one acting on behalf of a lender /investor claiming to have interest & own our home? THe Mortgage Law Firm XXXX XXXX XXXX. indicates in the NOD & NOTS they are acting on behalf of the Lender, our the lender yet we still have no idea who owns our property as we thought we do? There is a scheduled NOTS XXXX/XXXX/XXXX. XXXX XXXX XXXX or the Mortgage Law Firm, XXXX XXXX XXXX, XXXX as Trustee for the Banc of America Mortgage Securities , Inc. Mortgage Pass Through Certificates WHOEVER is the LENDER NOW contradicts IN all their written correspondence have not only an interest, claims to owns, acting on behalf of.., duly authorized for..attorney-in-fact ... YET ALL ALONG the original contract lender I signed did not even know who are investor was? How can someone sell, transfer, assign if the original entity i signed did n't even know? All these people, institutions have requested personal & confidential financial information we have complied WITH no results, They IGNORE all of our requests both by Attorneys, Us, NON profits, individuals & AT OUR EXPENSE AGAIN!. It has costs us THOUSANDS & THOUSANDS OF $ . We ARE NOT LATE ON OUR PROPERTY TAXES NOR INSURANCE EVER.NOW we defamed on title, there is NOTS, they continue to ignore all communication by passing me from one person to the next, say one thing doing another, ignoring correspondence from counsel, non profits, individuals & us. THey use computer generated letters. WE now have NOTS scheduled XXXX/XXXX/XXXX authorized agents, duly appointed people, WHICH in itself contradicts. We did EXACLTY as we were told by authorized agents, duly appointed indiv, attorney-in-fact, & employee

Company has responded to the consumer and the CFPB and chooses not to provide a public response

For the past year, I have been in correspondence with XXXX XXXX XXXX regarding at Walmart account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I DO NOT KNOW?, I live in XXXX, and after signing up on karma, XXXX to 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. I written to both companies over two ( 2 ) weeks ago and no response, using your cfpb letters. I want these wrongful remarks off my credit history.

Company chooses not to provide a public response

I was in a settlement agreement on a retail credit card with an attorney based debt collection agency nearly three years ago. We agreed upon a settlement amount. I paid the said amount in full in XXXX of 2013. It was agreed upon that the agency would report this information to the credit bureaus accordingly ; they did not. The information is still being reported negatively to credit agencies. This collection agency is very aggressive and quick to file suits against consumers. They should be sanctioned for this action. I understand this is the risk for bad financial decisions, but if you honor your debt, you should not continue to be punished for it.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I purchased furniture at XXXX in XXXX AZ on XXXX/XXXX/XXXX. They had a sale and offered 24-month financing at zero interest. My first payment of {$100.00} was due on XXXX/XXXX/XXXX. I paid this online on XXXX/XXXX/XXXX. I thought I had set the account up for autopay from my XXXX checking account at that time. I found out on XXXX XXXX, XXXX, that through some error of mine autopay was not set up and the payment due on XXXX/XXXX/XXXX was not made. I immediately set the payment up and it was paid on XXXX/XXXX/XXXX. I included the payment due on XXXX/XXXX/XXXX so that {$210.00} was paid on XXXX/XXXX/XXXX. I received a bill for a {$35.00} late fee plus interest of {$2.00}. The payment of {$37.00} was made on XXXX/XXXX/XXXX. The statement I received for my payment due on XXXX/XXXX/XXXX stated that my minimum payment due on XXXX/XXXX/XXXX was {$140.00} plus a {$25.00} amount past due for a total of {$170.00}, an excess of {$70.00} over my required payment of {$100.00}. As of XXXX/XXXX/XXXX I had already paid the regular {$100.00} payment on XXXX/XXXX/XXXX and the late charges for the XXXX payment. Now comes the bill for the XXXX/XXXX/XXXX payment. They are billing me for {$170.00}. I owe {$100.00}. I have tried to communicate with Synchrony online. I get a message that the information I provided does not match Synchrony 's records and tells me to call the phone number provided on the statement. XXXX is an answering machine that gives information about what they say is the balance due and gives you no choice to speak to a human being or to leave a call back message.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I opened a checking account with Bank of America. When opening the account, the associate entered all of my correct information from my driver 's license. A few days later, I received an email notification that my debit card was on its way, but it was being sent to an address where I have never lived and/or been associated. I contacted the bank to ask them why/how this happened. They initially insisted that I had been a victim of fraud, but after showing them I had not, they started investigating on their end. They admitted that everything was processed correctly, but can not understand how the wrong address was then attached to my name. They 're calling it a " system glitch. '' When I asked how I can be assured that it wo n't happen again, I was told that I need to carefully monitor my account myself because they ca n't promise me it wo n't happen again. I have since closed the account because all I get from them is head scratches and " I do n't know how this could have happened. '' It 's ridiculous and I do n't trust that my account would be safe with them, no matter how many " extra protections '' they have to put in place. They also reported this incorrect address to my credit bureaus but are doing nothing to correct the improper reporting. I am filing disputes with each bureau to have the incorrect information removed.

Company believes complaint is the result of an isolated error

ServiSolutions acquired my mortgage is XXXX 2015. Their XXXX letter to me stated my new mortgage payment was {$1200.00} monthly ( {$570.00} principal, {$330.00} interest, {$320.00} escrow ). At closing my HUD-1 stated my mortgage is {$890.00} ( {$660.00} principal, interest, mortgage insurance, {$220.00} property taxes and homeowners insurance ). They fixed this problem after a few weeks. Now, they have sent me a statement saying my property taxes ( which has not even been issued for this year yet ) are increasing to $ XXXX and my new monthly payment is {$1600.00} per month. Please read my email response to them as follows : 1. Yes, at closing my lender collected 2 months property taxes at {$150.00} per month for a total of {$310.00} ( HUD-1 line XXXX ) 2. Additional Settlement Charges from my closing indicate on line XXXX of the HUD-1 that the XXXX half of the property taxes to XXXX County were collected at a total of {$930.00} ( cross reference line XXXX HUD-1 ) 3. My loan terms on page XXXX of XXXX on my HUD-1 indicate that my mortgage includes a monthly escrow payment of {$220.00} ( homeowners insurance and property taxes ) for a total of {$890.00} per month. Homeowners Insurance $ XXXX/yr Property Taxes $ XXXX {$1800.00} XXXX $ XXXX {$220.00} 4. My new tax bill is not issued until this month. Why was I sent updated statement saying my property taxes are now $ XXXX a year? 5. I am the sole income of a XXXX person household with XXXX XXXX XXXX and XXXX. This is the second incident with an incorrect bill being sent to me. I ca n't XXXX endure this stress. You have only owned my loan for 4 months. This is truly ridiculous. I was responding to this email they sent me as follows : Hello Form the research the finding were as follows : The amount of taxes that were owed at closing was only for 1 month ( XXXX ). Now that the new year has started we have to reanalyze for the full year to be paid for taxes that will be owed every 6 months. ( XXXX x 12 months = XXXX ) ( XXXX / 2 months = XXXX ) Thank you

Company believes it acted appropriately as authorized by contract or law

I worked for this company called XXXX XXXX after I graduated selling XXXX knives. Needless to say I was just recently told that a customer that purchased a set of knives did not complete payment so it charged back on me, however I was no longer with the company. Being that I was n't making enough money had to move back home, so the company did not have my address or phone number to contact me, in which they stated when I got in touch with them on XX/XX/2016. I made them aware that I did not know about this until I viewed my credit report myself. I called them they told me the account was written off for {$270.00} no other interest etc. Needless to say on my credit report XXXX has reported {$400.00}. I have set up payment arrangement directly with XXXX XXXX to pay the XXXX off. I contacted XXXX about the wrong amount reporting and the rep. was very rude and stated it does n't matter what XXXX is requesting you will have to pay the XXXX that we are looking to collect. Never had this happen to me.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I was garnisheed by XXXX XXXX XXXX XXXX XXXX for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by XXXX XXXX XXXX XXXX XXXX. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Wells Fargo foreclosed on my home on XX/XX/XXXX but they never notified me that I had a foreclosure sale date. I lost my job XX/XX/XXXX and I was out of work for over a year and that caused us to fall behind on our mortgage. My wife ended up losing her job XX/XX/XXXX. We are both working now and we have the income to make mortgage payments, but we just didnt have the funds available to bring the loan current so we reached out to our servicer for assistance. We have been trying to get modified since XX/XX/XXXX but wells fargo didnt help us get back on track.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

credit discrimination i recently disputed XXXX debts that should have been taken off of my account, they credit bureau ( trans union ) is failing to remove the bad debts. There was XXXX creditor removed but I only received XXXX points added to an already XXXX. My credit score should not be this low because all of my debts have fallen off or have been removed. transunion is discriminating against those who either complain about their credit reports or XXXX. My credit score with equifax went up XXXX points with XXXX debtor removed. not sure if transunion knows the XXXX background of those they follow but this should be looked into.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MN XXXX, ( XXXX ) XXXX has been reporting my account with XXXX XXXX using a fraudulent open date. the last open date was XX/XX/XXXX the last time the account open was XX/XX/XXXX, the account should have been deleted after 7 years ( XXXX ). Each year XXXX uses a new open date, which means someone is using my information to continuely open a new XXXX account in my name. I have tried to file a dispute with Trans Union but their website does n't allow it and I called there XXXX number to file a complaint they took my information but nothing has happened. I have also filed a dispute with XXXX and it has n't been removed my report either.

Company chooses not to provide a public response

I have disputed a XXXX XXXX credit card a few times with all XXXX credit bureau and all XXXX claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do.

Company chooses not to provide a public response

XXXX Dispute Number XXXXTransunion Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all XXXX CRA 's, and within XXXX days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the XXXX CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all XXXX CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15.

Company believes it acted appropriately as authorized by contract or law

The creditor never states the company or who they are. The message simply gives a name of the person and how they need a phone call back today regarding a very important business matter. They called 3 times within 1 hour, twice on my cell and once to my work.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I AM ATTEMPTING TO OBTAIN MORTGAGE ASSISTANCE AND AVOID A FORECLOSURE SALE. I HAVE SUBMITTED A COMPLETED MORTGAGE ASSISTANCE PACKAGE TO MY SERVICER - WELLS FARGO. WELLS FARGO HAS MY FILE IN REVIEW AND HAS ISSUED NO WRITTEN DECISION. THEY HAVE, HOWEVER, SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2016. NOT ONLY HAS WELLS FARGO NOT ISSUED A WRITTEN DECISION, THEY HAVE NOT PROVIDED ME A 30 DAY RIGHT TO APPEAL IN THE EVENT THE DECISION WAS A DECLINE.

Company chooses not to provide a public response

I was perusing the Ally Bank website tonight to see if they were offering higher deposit account rates than what I'mean currently earning. In several locations you 're given the option of comparing their rate to other banks ' rates. Every time I elected to see " other banks ' '' rates, it listed only XXXX - the bank I currently use! I had n't provided them with that information. They clearly did n't feel they had to hide the fact that they had obtained my private financial information. I feel violated and outraged.

Company chooses not to provide a public response

I bought some furniture from XXXX furniture and I was about to pay the whole balance upfront as I had the money at that time. But the sales person insisted to open the credit card with zero interest for 12 months. So I have applied for the credit card. He has mentioned that I have to pay interest if I will not pay off the balance in 12 months. He did not tell that if I do n't pay the balance on the whole amount of the furniture. So I paid off {$2400.00} in 12 months and remaining balance was {$1000.00}. Now they have charged me interest charges of almost {$900.00} saying that its accrue interest on the whole balance. According to the customer service, that is written in terms and condition that accrue interest will be charged.However, when we opened the account sales guy did not mention a word about the accrue interest.

Company believes complaint caused principally by actions of third party outside the control or direction of the company

In XX/XX/XXXX I moved from an apartment, with the permission of the property owners. I moved due to water problems in the apartment, i.e. it rained thru the bottom of my back door and the carpet in the dining room was soaked and mildewing. A water pipe in the upstairs bathroom was leaking and caused the kitchen cabinet to fall off the wall. I had no problems with my move and have been able to lease housing there was no negative information regarding leases on my credit report, until XXXX XXXX. In XXXX I received a notice from Absolute Recovery Services, a collection agency ; that I owe {$500.00}, my lease in XXXX was for {$610.00} a month. They also indicated a payment was made in XXXX of XXXX. I did not make a payment to them. I spoke with the agency via telephone and let them know the resolution I had reached with their client. The lady stated she was going to submit the charge to the Credit Bureau. Which she has done. I have disputed the claim with XXXX twice and learned they do not verify information that creditors submit. If I had owed rent to the creditor it seems to me ; they should have notified me of that in XXXX, and/or gone to court to get a judgement. He did neither of these options. Instead 4 years later I am being harassed by a collection agency for an amount that does not even match my lease agreement.

Company believes the complaint is the result of a misunderstanding

I had cable with XXXX XXXX XXXX when lived in XXXX. I only lived in XXXX for nine months. I moved to XXXX. I turned in all of my cable equipment. IN XXXX of XXXX. I received a collection notice from XXXX XXXX XXXX stating I owe a balance of {$320.00}. I made a payment arrangement with them. I paid {$110.00} ON XXXX/XXXX/XXXX AND THEN on XXXX/XXXX/XXXX I paid the remaining balance of {$220.00}. The approval code as XXXX. I also have the proof because i paid out of my XXXX checking account. I pulled my credit report and have a collection account from FOCUS RECEIVABLES Management on behalf of XXXX XXXX stating I owe {$420.00}. This account states it is opened XXXX of XXXX. I am so upset because now I have another company stating I owe monies that I have proof is paid. I am currently under investigation to obtain employment with the XXXX. I have paid all my financial obligations. i disputed the item on my credit report and will call credit bureau in the morning. Please assist in this matter. If an account is paid in full. Why would another collection agency be able to try to collect on a debt already paid! This is fraud and very confusing. I will be happy to pull my bank statement and show balance was paid in full! I also have a copy of the original credit collection service whom i paid. Thank you.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Cach , LLC is reporting an account on my credit report which I do not recognize. I 've disputed it with XXXX claiming it does n't belong to me. XXXX bureaus claim it 's been verified and said I needed to contact the data furnisher to get further information. On XXXX XXXX, 2016 I mailed CACH , LLC a letter requesting all information verifying this account belong to me & they could verify the debt. They have ignored my request for information & are still reporting the account on both XXXX & XXXX credit agencies. I would like this removed immediately since it has been over 30 days since I requested the information & they have never verified/validated the account.

Company chooses not to provide a public response

I have disputed a XXXX XXXX credit card a few times with all 3 credit bureau and all 3 claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do.

Company believes it acted appropriately as authorized by contract or law

This debt was taking care of back in 2005 and is still reporting on my credit report.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

We received a collection notice with my son 's name on it, saying their client had made several attempts to collect an unpaid balance ( untrue ) and that they were given the account to collect. None of this is true.

Company can't verify or dispute the facts in the complaint

I am receiving calls from Focus Receivables Management about a debt that I do n't owe.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Wells Fargo has force placed insurance on my property as a XXXX mortgagee. I have told them several times that I already have mortgage insurance through my XXXX mortgage which is XXXX. The XXXX mortgage policy is with XXXX. They insisted on creating the policy anyway stating that they would deduct the money from my escrow account. This is how ridiculous they are. I do not have an escrow account with them. The Wells Fargo Account # XXXX.

Company believes it acted appropriately as authorized by contract or law

I refinanced my home with XXXX XXXX. I was charged XXXX % ( XXXX Point ) to reduce my rate. This should appear om my year end mortgage interest statement XXXX. I have called Loan Depot multiple times to try and resolve this waiting on hold for hours ( cumulatively ). They refuse to correct this error. They keep giving me the excuse this was paid to my " title Insurance company ''. This is a lie. I just want a corrected XXXX that reflects the points I paid.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I have contacted Experian 3 times as well as XXXX XXXX about an unknown collection account that appeared on my credit that does not belong to me. Thus, far I have not received a response in this regard from Experian or the collection agency and it has been 2 months. However the account still remains on my credit. XXXX XXXX

Company chooses not to provide a public response

BB & T bank is being unfair about how they are subtracting their transactions. The way they do it XXXX transaction can cause multiple insufficient fund fees. Their online account is very vague and when you call into the office no one knows really what is going on. I finally got ahold of a representative that knew what was going on. If there is XXXX in the account,,, there are XXXX pending transactions each for XXXX they subtract that from the XXXX first. So then there is only XXXX to pull transactions from. If there are XXXX transactions for XXXX there will be XXXX XXXX insufficient fund fees. Then there will be XXXX posted to your account. Then the next day, when the XXXX XXXX transactions go through there, will be XXXX more XXXX insufficient fees subtracted from your account. So that would be XXXX more dollars subtracted from your account. Half of the tellers can not even explain to you why this is happening,,, they do not get back with you after you call and they say they will find out and call back. I have had a huge mess happen to my account because of this and could not get my account straightened up because of it. There is no documentation sent to you telling you exactly what bounced and it is utterly confusing and wrong. I do know that XXXX has been sued for this practice. I feel taken advantage of by BBT and they are wrongly charging fees. Most people can not come up with the money to cover the fees when they are tacked on so they are gon na end up with more fees in most cases.

Company chooses not to provide a public response

On XXXX/XXXX/2016 I contacted TransUnion by phone at XXXX to dispute inaccurate information on my report. This is the phone number listed on my credit report to contact TransUnion. The representative I spoke to failed to assist me and attempted to transfer me to special handling. Again I just received the voicemail. No one from the Special Handling department has returned my call. I called back a second time and when I mentioned that I have questions about my file ; when they found out who I was I was immediately transferred to the Special Handling voicemail again. I am disputing the following information : Phone XXXX - Inaccurate phone number Name - XXXX XXXX XXXX - Inaccurate name XXXX XXXX XXXX - Missing balance, payment information and account status for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX - Not my account XXXX XXXX - XXXX - Missing balance, payment information and account status for XXXX - XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missing balance and payment history

Company chooses not to provide a public response

I filed a dispute in XXXX 2015 for an inaccurate 30 day late payment currently reflected on my TransUnion account for XXXX XXXX XXXX credit history report. My account inaccurately reflects a late payment for XXXX 2015. This inaccuracy occurred because of a fraudulent transaction The XXXX XXXX allow to occur with my credit card number in another State. The fraudulent transaction occurred in XXXX, 2015. This was investigated and correctly found by The XXXX XXXX as fraudulent. When I discovered and reported the fraudulent transaction, The XXXX XXXX closed my original account number and issued me a new account number. They transferred the old account statement, which appeared with a late payment for XXXX and XXXX 2015 as a result of the fraudulent transaction, and transferred it to my new account number. As a result of my dispute filed with TransUnion, I received a letter from them indicating the inaccuracy was corrected. However, the issue was not removed from my XXXX XXXX XXXX credit history report with TransUnion. I have continually disputed this issue with them, as well as continuously contacting The XXXX XXXX. TransUnion has continuously refused to update my XXXX XXXX credit history report to reflect no 30 day late payment for XXXX 2015. I have never made any late payments for my purchases with the XXXX XXXX and my credit report should accurately reflect this. For some reason, either TransUnion or XXXX XXXX XXXX refuse to correct my credit report. This has occurred because of a fraudulent transaction The XXXX XXXX allow to occur, which is now incorrectly reflected on my credit report. It now appears I do n't make payments on time. My account balance was/is XXXX when this fraudulent transaction occurred. I have filed other disputes with TransUnion since the original dispute and none of them have resolved this issue. I take my credit report very seriously and have no late payments on my credit report other this inaccuracy that my disputes seem unable to resolve. I would recommend to anyone who experiences an issue like this with The XXXX XXXX to not allow them to open a new account for you until they resolve the issue and it no longer appears on your credit report with any of the XXXX major credit agencies.

Company chooses not to provide a public response

Transunion is denying that they have a credit report for me, and/or refusing to provide me with a free copy of which I am entitled to per the Fair Credit Reporting Act.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Not only is this debt not mine but I have repeatedly tried to contact them to resolve this over the past few months. I even submitted a dispute through XXXX and they reported it as collections and derogatory. The contact information from XXXX and their website does not work. The phone contact sends you through an automated loop and yet they still report to experian as derogatory and collections. I even had experian contact them and they even could not contact them. This company is hurting my credit without any way to resolve it. It is keeping me from being able to fix or better my credit. The company is IC System over XXXX $

Company can't verify or dispute the facts in the complaint

Called by RGS Financial for my wife. Unsure how they got my number. Asked for my wife. I stated she was n't at the number called. They asked if they knew how they could reach her. I told them to give me a phone number where she could call them back. They refused and said they would try to find her by another means and hung up abruptly.

Company chooses not to provide a public response

My husband and I applied for a mortgage modification after my husband became very sick and was subsequently fired. After applying for the modification, CitiMortgage continued to send the same documents multiple times that contradicted the other and asked for the same documents multiple times. Eventually, we became concerned that our lender did not know what was going on with our modification and we began to contact our Homeowner Support Specialist as to why we continued to receive these letters and no one could answer our questions. We were passed from supervisor to supervisor with no answers until we finally received a new Homeowner Support Specialist who could still not answer our questions as to why we continued to receive the same letters over and over again, but ensured us that everything was received and we could disregard the letters that we received and to continue to make our monthly trial payments until the modification was finalized. On XXXX XXXX, 2015 we received an email from CitiMortgage that said, " We have received the signed documents you sent and your mortgage loan modification with CitiMortgage is now finalized. Thank you, and congratulations! We sincerely hope this mortgage payment assistance is beneficial. '' Now, almost three ( 3 ) months later, CitiMortgage informed us that our modification was denied and we now have to pay more than what our mortgage was before we began the modification process. We contacted CitiMortgage and told them we received in writing that our modification was " finalized '' and did n't know there were any issued and was told that " just because we received something that says 'finalized ' does n't mean that it is really finalized. '' When asked if CitiMortgage could locate the email sent to me advising that our modification was finalized, we were told their documents were down and it could not be pulled up at that time. We are at a loss of what to do given that we are continuously passed around from department to department and from supervisor to supervisor with no answers except for we did n't return all necessary documents to complete the modification. However, when we ask what documents were missing, CitiMortgage can not identify which documents were missing. Any advice would be much appreciated.

Company believes complaint is the result of an isolated error

I received a payday loan and prior to the due date of the loan Advance America contacted my wife on her phone line as a reminder to pay on due date. My number is active should of been the only number contacted unless the loan was past due and my wife was contacted as a reference ( as intended when her info was left ). My wife has now received 2 calls from advance america.

Company believes it acted appropriately as authorized by contract or law

I have requested this company to no longer call my place of employment and they are continuing to do so.

Company chooses not to provide a public response

Fraudulent attempt to open a credit card in my name - Called and stopped application. However, it took XXXX XXXX 6 months to have removed This time on XXXX XXXX, XXXX the same event occurred again. I called and stopped the application but XXXX XXXX failed to call me first ( Had a credit alert in place at the time of application ) and as of today XXXX/XXXX/XXXX failed to removed the hard hit from my credit report. I have spent over 8 hours over a 5 month period and have complied with their directions and faxes. I need help with XXXX XXXX to comply with the 90 day limit for removal.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

XXXX XXXX I co-signed a vehicle loan for my brother. We got Wells Fargo. XX/XX/XXXX the car was totaled. A payment of XXXX was made XXXX, XXXX. The monthly payments are XXXX a month, leaving a balance of XXXX due on a 48 month loan. I did not know the car was totaled until XXXX, XXXX. I immediately contacted Wells Fargo on XXXX XXXX, XXXX. I was in contact with them until XXXX, XXXX going though XXXX cunstomer service reps. and XXXX account Managers. Each process with ruder and ruder associates. XXXX asst., # XXXX and XXXX acct. Manager # XXXX being rude and of no help, with just the opposite of any prior help. I asked why my account was not reflecting 20 1/2 payments that they were paid on XXXX, XXXX by the insurance and did I still have a 48 month loan. I was told yes by the XXXX account manager XXXX and not to go by what my account was showing. They have since file 2 late payments on my credit report after stating this would not be done. They also suggested doing an insurance deficiency re-write loan. I did that and they refused me. They all agree I still have a 48 month loan though.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

A month ago I filed a complaint about false advertising by Synchrony Bank. I received a letter dated XXXX XXXX, XXXX from Synchrony Bank 's representative agreeing to honor their advertisement and not charge interest to my account if it is paid in full in 24 months. Currently, I owe {$170.00} more on the {$1800.00} which I will pay in full next week. However, the bank is trying to collect some of the interest and finance charges they lost after agreeing to waive the interest if the loan is paid off in 24 months. They are doing this by alleging that I owe late charges. I have attached a copy of the loan breakdown which shows how much I am to pay each month, the date payment is due, the date payment was received and how much was paid. If you will note the minimum payment alternates from {$53.00} to {$88.00}. However, if you will note, the months I am required to pay a minimun of {$53.00}, the payment is always XXXX day late and I am charged {$35.00} late fee. The months I am required to pay a minimum of {$88.00} the payment was always received on time. I have called numerous times trying to reach XXXX XXXX XXXX to no avail. I have left messages on her voice mail but she never calls me back. I made a payment of {$100.00} the same week that I received the attached correspondence. Therefore, that payment is not on the document. It shows I have made XXXX payments of {$100.00} each instead of XXXX.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I have disputed the XXXX account on my Experian Credit Report about 5 times now, going all the way back to XXXX XXXX. Experian keeps reporting this account as being paid off and closed On XXXX XXXX. That is incorrect information. This last dispute I even faxed them the original payment receipt from XXXX XXXX XXXX XXXX XXXX XXXX It says this account was settled and closed on XXXX XXXX, XXXX. I have been trying to get this fixed for just about a year now. I either want this account to reflect the correct information saying that this was settled and closed on XXXX, XXXX or DELETE it! The XXXX XXXX # is XXXX. Because this has been getting reported wrong or because Experian is updating the disputes wrong, it has caused me to have a higher interest rate on a motorcycle that I have recently financed. Also we are trying to buy a house and we are going to have to go with a loan that has a higher interest rate and also a loan that we will need to carry pmi insurance. This needs to get corrected ASAP.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian sent back a partial response on XXXX/XXXX/2016 stating that the will respond within 60 days. By law they do not have 60 days. Experian has 30 days to respond to my complaint. Case number : XXXX this is the number connected to the case.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I have had extreme difficulties paying back my private student loans. Access Group will send emails to me saying to call they can help and options, when in fact they have no options. Access Group put XXXX of loans in default, even though there was no technical default ( meaning the accounts were not XXXX past due ). Most recently, I was 177 days past due. I went to make a payment so as not to default, but Access Group and " suspended activity '' on the account, making it appear that it was impossible for me to make a payment. They did it on a Friday, so that if I had tried to pay over the weekend, my accounts would, in fact, have gone into default. I was finally able to make a payment, I consider these unfair practices and fraud.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Bank of America allowed a credit card account to be opened back in 2004 using my son 's social security number. My son was only XXXX at the time and it has been open for 12 years now. Last week we went to our local Bank of America branch to open a checking account in his name and the personal banker informed us that his social security number was already being used on an existing Bank of America account. The personal banker said he would investigate and get back to us. We never heard anything back from Bank of America and had to call today in order to get more details. This is when we learned the account has been opened for 12 years and it was still active. Beyond this they have offered no additional help. How can they have done their Customer Due Diligence and Know Your Customer procedures when they allow an account to be opened with a child 's social security number? Furthermore, they have offered no additional assistance or details in getting this issue resolved.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Still have items pending I have requested changed or removed. I have requested several times an updated/corrected copy of my credit report mailed to me and still have not received it.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

There are XXXX problems on my credit report with Experian 1 - There is an account listed which is not mine Creditor : XXXX 2 - The total for " Revolving Credit Limit '' includes limits for accounts which are closed I had mailed a dispute form to them in XX/XX/XXXX but have received no response.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX FCRA Dispute Duties The FCRA imposes dispute duties on both CRAs and furnishers. If a consumer disputes the completeness or accuracy of an item contained in his or her file directly with the CRA, u the CRA must complete a reinvestigation within thirty days after receiving the notice of dispute from the consumer ; XXXX u in conducting the reinvestigation, the CRA must review and consider all relevant information submitted by the consumer ; andXXXX u within five business days of receiving the dispute, the CRA must notify the furnisher of the dispute, and include all relevant information that the CRA received from the consumer .XXXX After receiving a dispute from a CRA, a furnisher must take the following steps:XXXX u conduct an investigation with respect to the disputed information ; u review all relevant information provided by the CRA ; u report the results of the investigation to the CRA ; u if the investigation finds that the information is incomplete or inaccurate, report those results to all nationwide CRAs to which the furnisher reported the information ; and u complete the investigation before the end of the thirty-day period that the CRA has to complete its reinvestigation. If the CRA finds during the reinvestigation that a disputed item is inaccurate, incomplete, or can not be verified, the CRA must delete or modify the item.XXXX No later than five business days after the completion of a reinvestigation, a CRA must provide written notice to the consumer of the results of the reinvestigation .XXXX The notice must include u a statement that the reinvestigation is completed ; u a consumer report based on the consumer 's file ( if the file has been revised as a result of the reinvestigation ) ; Case number : XXXX Back Status Company responded Experian Credit Bureau said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the two attachments, you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate there are unauthorized inquiries appearing on your credit report. You are requesting the removal of the inquiries from your credit report. The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer 's profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. Therefore, we must respectfully deny your request to remove the inquiries at this time NO INVESTIGATION HAS BEEN DONE!!!!!!!

Company believes it acted appropriately as authorized by contract or law

I had a GREENTREE mobile home mortgage.Husband mentioned there had been a computer glitch and not to worry. when husband died in XXXX 2009 I called when death certificate came back and loan was supposedly changed to my name, and was once again assured my payments were right on track. DITECH TOOK OVER AS LAST PMT OF A 15 YR LOAN WAS DUE BY AUTOMATIC WITHDRAWAL. see documentation. letters not signed, when robocalls and calls from diferent collection agencies began I sent another letter and yet calls continue from various numbers only telling me I need to call another number.Default letter also came to me AND another to my dead husband last week. PLEASE NOTE NONE OF THE CORRESPONDENCE IS SIGNED WHEN I GOT DOCUMENTS.

Company believes it acted appropriately as authorized by contract or law

IQ DATA AKA XXXX HAS BEEN SENT LEGAL DOCUMENTATION IN REGARDS TO SUCH SAID DEBT AND REFUSES TO COMPLY WITH FEDERAL GUIDELINES AS WELL IS MIS REPUTATION THIS DEBT GOES BACK TO XX/XX/XXXX AS THEY UPDATED WRONGFULLY REPORTED XX/XX/XXXX THIS IS COMMUNICATION ERROR AND MIS REPUTATION AND VIOLATION OF THE FAIR CREDT ACT

Company chooses not to provide a public response

I obtain services from XXXX a while I cancel the service because the services was not what I thought it would be. So I contact the company and the request me return the equipment becuase this equipment was self install by and they did offer installation. So we I was remove the equipment such censor and things I sent them the wrong item. So contact me and informed via mail and phone that I submitted the wrong equipment. So I final figure out the right equipment and return it to XXXX. On Friday, XXXX XXXX, 2015 I contact XXXX to confirm the receipt of there equipment. I spoke with XXXX who inform me that they receive the equipment and had process a refund. I ask the what account number or card number the credit was apply to because I made severall change far has banking and they might trace or put stop payment on the refund. So I aslo provide the credit card number and XXXX to apply the payment to my current card. On Monday, XXXX XXXX, 2015 I received a call from XXXX stating that I will not be receiving my refund becuase it has been apply to close bank account or credit card. Please explain how can a credit be apply to closed bank account and credit card. Then later I was contact be XXXX trying to explain the situation that did not make any sense to me. How can refunds be apply to close bank account and bank card. Please review the Banking ( charges ) for XXXX and the account they said was refunding the money to I do not have the card order information anymore.

Company chooses not to provide a public response

I had a bank of america checking account which I closed today. Lately they 've been charging overdraft fees BEFORE I overdraw the account. If the account gets under {$7.00} Bank of America with initiate an Overdraft Transfer and then charge a {$10.00} fee on top of that. I 've had BofA for years and this is the most recent scam of theirs to get extra money. I 've spoken to BofA XXXX times in the past month and I got reimbursed the XXXX XXXX times with the most recent incident earlier today resulting in me closing the account. The CSR said that BofA is " assuming '' that I will overdraw and to prevent that from happening they initiate a tranfser. My ending balance on XXXX XXXX, 2015 was {$5.00}, the following morning BofA inititates a transfer to keep my from overdrawing before I overdraw the account?! It 's bad enough they 're charging me {$2.00} for even looking at my balance on an out of network ATM but this is just so underhanded and sneaky. I still have a savings with them but I may close that soon. This is n't how overdraft works you charge me when I overdraft not before when you think I might especially when there were no pending transactions at the time of the overdraft transfer. This is the second time I 've closed a checking account with BofA because of their practices. I have XXXX other checking accounts which I use more frequently and I 've never had these problems with those XXXX other accounts. They try to justify the charges by saying that by the end of XXXX XXXX, 2015 I would 've overdrawn. I knew my account my close to {$0.00} which is why I checked the balance and because of the BofA inititated transfer of {$14.00} my account was still positive. Had that transfer not been inititated by BofA I would 've seen that my account was close to {$0.00} and initiated the transfer myself. Not once did my account drop below XXXX NOT ONCE. They charged me a fee and transferred funds all while the account was positive, way to nickel and dime your customer.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Transunion is reporting the same negative mortgage account TWICE on my credit report. I originally had a mortgage with XXXX XXXX XXXX that I got behind on with my payments. I could not catch the payments up and the house went into foreclosure status. They turned this account over to XXXX XXXX XXXX and then XXXX started to report the negative pay history on my credit report. So basically, it appears that I have XXXX negative mortgage accounts, with twice as many late payments showing. I eventually lost the house to foreclosure, and this is also reflected on my credit report. It appears I have XXXX foreclosures on my credit report, even though it is the same house, and not XXXX different houses. It is very obvious this is the same account listed twice, if anyone would take the time to look at the original date opened, original loan amount, etc., but no one at Transunion seems to want to listen to me. The worst part is that BOTH companies are listing 120+ days late payment history, so I end up being penalized for TWICE the amount of late payments. I 've been trying for over a year to get Transunion to correct this issue, but each time I file a dispute, I get a letter back stating this has been verified.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

In 2002, while I was XXXX a bank that is now known as Wells Fargo issued a home equity loan to a third party and used my property as collateral. This third party showed no ownership of this property located at XXXX XXXX XXXX XXXX in XXXX, XXXX Wells Fargo is now foreclosing on this loan. I tried to address this situation through their fraud department with no success. They ruled against me and totally overlooked the facts that i could n't have signed for a loan because of my whereabouts at the time. They have n't allowed me to negotiate a fair outcome because the loan isnt in my name.

Company chooses not to provide a public response

I was attempting to settle a debt with Smith Debnam. I talked with XXXX on XXXX separate occasions for pay off. The first time it was {$2700.00} about XXXX weeks ago. Then I contacted XXXX again 3 weeks ago and he said it was {$2800.00} ( interest added ). I was waiting to get closer to when I could pay this debt, so I called XXXX XXXX. XXXX explained to me the debt was now {$11000.00}. Apparently what happened was the bank i was working with called Smith Debnam to get a payoff. Smith Debnam then realized more money could be available, so they changed my payoff to {$11000.00}. My problem is the loan will not be approved know because I do not have enough equity to pay the additional {$9000.00} needed for the loan to go thru. They also asked to see my Loan Estimate and Closing disclosure ... .and they would consider reducing the amount.

Company believes it acted appropriately as authorized by contract or law

I borrowed XXXX and this company want {$4000.00} back I blocked them out of my account and so far have paid them almost {$800.00} in addition they are charging an additional 200 % making it impossible to pay them off.

Company chooses not to provide a public response

My Husband was the primary breadwinner. He was XXXX for the XXXX time XX/XX/XXXX. He died XX/XX/XXXX. By XX/XX/XXXX I realized I could not afford to keep the house and I listed the property with XXXX XXXX Properties for {$270000.00}. I had a full price offer within a day, but if fell through 2 days later. Shortly thereafter I had a XXXX offer in the {$260.00} 's. It also fell through quickly. XXXX XXXX made a bid of {$240000.00} XX/XX/XXXX but I needed to get {$260000.00} to break even. The {$260000.00} consisted of a XXXX and XXXX trust both the held by XXXX. Thereafter XXXX XXXX notified me on several occasions that we had received one or another verbal offer but none were above {$210000.00}. XX/XX/XXXX I asked XXXX XXXX to contact XXXX XXXX to see if she was still interested and might pursue the property as a short sale. I accepted her offer of {$240000.00} on XX/XX/XXXX subject to a short sale. I completed my short-sale paperwork and we submitted it through our short sale negotiator XXXX XXXX of XXXX & XXXX XXXX on XX/XX/XXXX. By XX/XX/XXXX could no longer continue making payments. During the ensuing 5 months XXXX " lost '' the paperwork and we resubmitted it several times. XX/XX/XXXX I was notified that XXXX had sold the XXXX Trust to " SLS '' while retaining the XXXX trust. I resubmitted my paperwork to SLS. SLS sent XXXX appraisers to the property. The XX/XX/XXXX appraisal I was told was $ XXXX and the XXXX appraisal was for either {$270000.00} or {$280000.00}. XXXX figure was given to XXXX XXXX 's office and another To XXXX XXXX. No copy of either appraisal was ever provided to myself, or to XXXX XXXX, or to XXXX XXXX. XXXX XXXX was informed that SLS would consider a dispute of the appraisal ( s ) and would respond with 5 days upon receipt. By this time my agent XXXX XXXX had announced his retirement effective XX/XX/XXXX and I hired XXXX XXXX of XXXX XXXX XXXX who put together a copious, highly detailed, XXXX with a value of {$230000.00}. It was submitted XX/XX/XXXX both by e-mail and by fax. Our 5-day appraisal dispute review period has come and gone with no response. In the meantime XXXX XXXX, my purchaser has withdrawn her offer.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

have never lived in XXXX XXXX XXXX XXXX XXXX. I have lived in XXXX all my life.

Company chooses not to provide a public response

Seneca Mortgage has messed up our home loan since XXXX XXXX the very first month and has taken almost two years to resolve a payment dispute of XXXX payments from XXXX and XXXX XXXX when the payment XXXX up from the first month took 9 months yo review and kept getting excuses snd put off even tho called for status constantly. Was told these were in a " suspense '' account. They still have not admitted this error and despite being sent numerous bank statements and electronic transaction information from XXXX Bank as well as us, they still claim we owe this and theres always another excuse or accusing us of not sending the correct info or that they need thisbor that permisdion. Anything to not fix this or take responsibility! Especially after receiving information from the bank. They also sent emails they claimed not to send and have tried to recall emails their staff realized was sent to us instead of internally talking about us and info that was being requested!! Totally unprofessional and complete liars! Now they are claiming payments were not made from XXXX to XXXX XXXX despite thevpayments being sent priority mail. They insinuated checks were returned that were cashed also! They have misasplied and have this account so messed up and then always get different answers, they lie, and are unprofessional. It should not be this hard or long to get this resolved and documentation regarding status of this account! This is unacceptable!!!!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

on XXXX/XXXX/16, I went online to receive my free credit reports from XXXX. **I was able to obtain reports from both XXXX and XXXX and after printing the XXXX report, the System kicked me out for *Security Reasons* as it stated. I was not able to retrieve information on Experian. Then when I logged back onto the website, it indicated I had received credit reports from each when in fact I was n't able to access Experian. I 'm asking to be granted access to Experian or receive a Report to my address.In reviewing the report, I discovered a FRAUDULENT Account from the XXXX XXXX. I wanted to lodge a dispute with XXXX to have this removed. Thus, I wanted to review Experian to determine if it was displayed on their site. The XXXX had no reference to this account though. **Someone assumed my identity and Opened this Fraudulent account and I was just made aware this existed as no mail was ever sent to my address. **Thank you for your Assistance. Not sure if these are going through. Have n't received any response on previous Complaint.

Company chooses not to provide a public response

I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE. I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM EXPERIAN AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED. I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A XXXX SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE. I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT. THIS IS UNACCEPTABLE.

Company chooses not to provide a public response

I am currently making monthly payments to Credit Acceptance for a car loan, in a duration of 4 months. I purchased the car in XX/XX/XXXX, and made a XXXX dollar down payment, with the vehicle costing a little over XXXX dollars. My monthly payments are XXXX dollars, and I learned that the value of my XXXX Chevrolet Cavalier, was only worth a little over XXXX dollars in XX/XX/XXXX, as a book value. Meaning, that I was overcharged by Credit Acceptance as well as the car dealer. This will result in a legal court case if I am not compensated.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I bought a water softener for our new home and financed it. I paid off the loan within the first month. XXXX of the credit agencies is still showing the total amount due and has me at a lower score.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

on my report appear a balance of a apartment that ca n't be me because on that time i does n't have social security number and i was on XXXX grade of schoolS, also there is a student loan under my name and thats not possible either because like i said i was here with out social SSN

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I am on Social Security XXXX because of an XXXX and I am supported by the Massachusetts Department of XXXX. ( I can supply more detail about my XXXX as needed ; suffice it to say XXXX. ) My father is helping me with this letter because he is my Representative Payee. This complaint is against the Bank of Santander. On XXXX XXXX, 2016 I deposited a {$2300.00} check made out to me from XXXX ( attached ) in my account at Santander Bank.. During the days that immediately followed I used my debit card from this account and incurred charges of {$2100.00} ( {$1500.00} at XXXX ALONE ) all before the check from XXXX was reported as fictitious on XXXX XXXX. I thought I had money in my account and I thought I had the type of account which could never be overdrawn. On XXXX XXXX, 2016 I went with the financial adviser provided to me through the Massachusetts Department of XXXX XXXX to meet with Bank of Santander officials in XXXX, MA near my house. They referred us to the OVERDRAFT RECOVERY DEPARTMENT where we were told that, regardless of whether the check I deposited was fraudulent, I needed to pay the entire balance of {$1900.00} by the 35th day of the account being in the negative ( We believe that date is XXXX XXXX. ) or they would turn the matter over to XXXX and I would not be able to open any account with any bank in the United States for 5 years! NO GRADUAL REPAYMENT WOULD BE CONSIDERED even though I am an adult who is unemployed and indigent and on XXXX, and my parents are around XXXX years old. On XXXX XXXX, to show good faith, my father deposited {$400.00} in my account at the Bank of Santander. On XXXX XXXX I, again with XXXX XXXX my state-funded financial adviser, returned to the local branch of the Bank of Santander. This time the Personal Banker Representative and the Branch Manager went out of their way to be helpful. Because they were " concerned that my account was compromised '' due to the deposit of the fraudulent check, they closed my account and issued me a new checking and savings account. BUT, incredibly, on XXXX XXXX I got a call to return to the Bank of Santander to get my deposits back as the Bank of Santander reversed itself and now told me they could not open the new accounts as I had one in arrears. I have not been able to sleep since this happened. On XXXX XXXX, my father, acting as my Rep Payee, submitted claim number XXXX to the federal Consumer Financial Protection Bureau but on XXXX XXXX he learned by phone from CFPB staff that the Bank of Santander refused to consider the complaint because I needed to submit the claim myself. So, my father is helping me to submit the claim again ; this time directly from me.

Company chooses not to provide a public response

I have paid my mortgage down to 78 % of the home 's original value. The lender should remove my mortgage insurance automatically. The lender is telling me that I need to get an appraisal done. I should not need an appraisal. They will not allow me to speak to the person making the decision. Specialized Loan Servicing. Not very specialized.

Company believes complaint caused principally by actions of third party outside the control or direction of the company

Upon beginning classes through the XXXX XXXX ( " XXXX '' ), I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX ( " XXXX '' ) ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a full-time student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account XXXX, XXXX from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, Title 12 U.S.C. 5531 ( a ) ), the Higher Education Act, and the Federal Trade Commission Guides for XXXX XXXX.

Company chooses not to provide a public response

I obtain services from XXXX a while I cancel the service because the services was not what I thought it would be. So I contact the company and the request me return the equipment becuase this equipment was self install by and they did offer installation. So we I was remove the equipment such censor and things I sent them the wrong item. So contact me and informed via mail and phone that I submitted the wrong equipment. So I final figure out the right equipment and return it to XXXX. On Friday, XXXX XXXX, 2015 I contact XXXX to confirm the receipt of there equipment. I spoke with XXXX who inform me that they receive the equipment and had process a refund. I ask the what account number or card number the credit was apply to because I made severall change far has banking and they might trace or put stop payment on the refund. So I aslo provide the credit card number and XXXX to apply the payment to my current card. On Monday, XXXX XXXX, 2015 I received a call from XXXX stating that I will not be receiving my refund becuase it has been apply to close bank account or credit card. Please explain how can a credit be apply to closed bank account and credit card. Then later I was contact be Staf trying to explain the situation that did not make any sense to me. How can refunds be apply to close bank account and bank card. Please review the Banking ( charges ) for XXXX and the account they said was refunding the money to I do not have the card order information anymore.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Citi mortgage had a modification package as of XXXX see attachment. The sale date was set for XXXX. Never once did Citi reach out stating information was needed/missing. Our office has called in for the last 3 weeks. NO ONE contacted the homeowner regarding missing documents. There has been a consistent issue with authorization even though XXXX was sent XXXX and XXXX verbals good for 6 months were issued by the homeowner. Friday XXXX XXXX failed to mention documents were needed. XXXX supervisor XXXX XXXX reviewed the file and stated we should have been made aware info was needed. The XXXX never contacted our office until XXXX even though previous emails were sent to him. On XXXX he emailed and stated the sale date for XXXX would not be postponed as it is to close to the sale date. The file HAD BEEN WITH THE UNDERWRITER. Please see attached email. It is very apparent CITI has neglected this file. The employees are very incompetent as well as negligent. We are DEMANDING that the sale date be postponed so the file can be properly reviewed

Company chooses not to provide a public response

I recently found out my credit file was not only incorrect but was a duplicate going back over 7 years. It also has an incorrect amount and this still has not been corrected. It seems they do n't care. XXXX have it right but not Experian!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

My wife and I went through the mortgage process and closed our FHA loan on XXXX XXXX 2015. We experience a variety of difficulties throughout the process and I am filing this complaint because I have not gotten a satisfactory resolution from the parties involved at BMO Harris. We applied for a mortgage in conjunction with the Illinois Housing Development Authority down payment assistance program. The Loan Officer also verbally offered us a grant program from the bank in the amount of {$1000.00}. Initially there was a delay in the process due to the inexperience of the loan officer so his sales manager had offered compensation in the amount of the underwriting fee approx {$800.00} after the loan closed. In XXXX 2015 we requested a cash to close worksheet to see the breakdown of the costs to give us an idea of what amount was needed to close. We did n't even have the correct payment amount as the taxes and loan amount were incorrect when they were disclosed to us. We never did received this nor was our request acknowledged for the worksheet. As we got to the week of closing we again asked for a cash to close worksheet as we knew with our seller credits we would need to have the loan amount adjusted to get the full credit. Once again the request was disregarded. We did not get our final numbers and only a verbal amount of what to bring to closing, until less than 4 hours before the actual signing. Upon the verbal notification we were also informed that the seller credits would need to be reduced by $ XXXX- {$2900.00} otherwise we would have gotten cash back at the closing which is not allowable including our earnest money. Right away we had insissted that the loan amount be reduced so that the down payment assistance could go toward the down payment rather than the closing costs that the seller was willing to pay. We were told that the loan would have to close as is or be rescheduled to the next day. Our final extension/amendment showing the most recent seller credits was expiring and we were not in a position to reschedule the closing as my wife had already made arrangements to have someone work for her that afternoon and could not take additional time off the next day. At the closing there were issues with the HUD XXXX and it had to be corrected so with the confusion our Attorney was not clear on all of the credits we were to get. After we had moved into our home and received our final signed documents from our closing we reviewed the settlement statement and found much to our surprise that we also did not received the {$1000.00} grant from BMO Harris Bank. This now brings the total amount to $ XXXX- {$3900.00} that we have lost out on. I contacted the head of operations at BMO and was told that {$3900.00} was not a lot of money and that there was no evidence in the file that we were getting a {$1000.00} grant. I told XXXX XXXX " it may not be a lot of money to you but it is to me ''. I have yet to hear from anyone at BMO Harris since I had spoken to the complaint department along with the sales manager XXXX XXXX in regards to the compensation that he had promised or any resolution from my complaint. I am a hardworking man with a wife and XXXX children to depend on me and I am only trying to do the best for my family. I do n't have a substantial income and to experience what we had to go through to purchase this home is the most stressful experience I have encountered and to have someone at such a high level at BMO Harris Bank simply dismiss my issue is demoralizing.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I recently made XXXX minor debit card purchases which brought the balance in my checking account to a negative status. At the time that I checked the account online there were no fees assessed, so I withdrew the necessary funds from my savings account to bring the checking account to a positive status. Two days after I made the transfer, they still applied the {$35.00} fee to each purchase - bringing the total in fees to {$140.00}. After discovering the fees, I then called the bank about it. At that point they reduced the fees to {$26.00} for each transaction, which they referred to as a partial reversal. My issue with the matter is that If I made a transfer ( from an account with the same institution ) which brought the status of the account to a positive status - BEFORE they assessed the overdraft fees - why should I have to pay any fees? Any help in clarifying this matter for me would be greatly appreciated.

Company believes it acted appropriately as authorized by contract or law

I did not receive any communication of this debt and if it was a true debt, did not receive the opportunity to resolve the matter. I never once receive a letter/bill to reflect what this is for. I only found out as it was reported on my credit report as a 'collection '' on XXXX XXXX. When I called FBCS on XXXX/XXXX/XXXX, I was told it was for services provided on XXXX/XXXX/XXXX. I called XXXX, which was my insurance provider at the time, and they do not show any claims submitted for that date or even for a range that they searched for. I asked FBCS to send me 'proof ' to see what this medical bill was for and they have not sent me anything and keep telling to just pay off the account without justifying the charges.

Company chooses not to provide a public response

Today I was informed by CitiMortgage which is my mortgage co. that once again I have been denied a loan modification. My acct # is XXXX. I reside at XXXX XXXX XXXX in XXXX, NJ XXXX. My initial application was in XXXX, the mortgage co. at that time lead me on for more than a year and a half with the hopes of an approval, there were numerous correspondences only for the big let down, now here come the foreclosure letters. threats from their lawyers, in and out of court to stop lockouts. CitiMortgage told me in order to get in good standards with them that I would have to give them at that time excessive amount of {$31000.00} plus. I reached out to a grp. called XXXX, who has been nothing but professional in every way. XXXX submitted a file with the mortgage co. on XXXX XXXX, XXXX and in that time alone CitiMortgage has tried to put the foreclosure in effect at least once each month. CitiMortgage says that I have been denied again due to no change in my income, which is not true in XXXX I became a Commissioner with the City of XXXX which comes with a stipend paid in quarters, although I have not received a raise in 9 yrs. I do not believe that the CitiMortgage is doing an actual review there are so many inconsistencies ... .I am in need of some help ... .this is a family home ....

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Someone from XXXX XXXX ( SLS ) was breaking into my property and was aggressively threatening a tenant on the premises that they were there to remove all of the personal property. She was frightened and stressed to tears. SLS was obviously attempting to illegally confiscate the property, with a secondary goal to terrorize ( rude, threatening, yelling untrue statements, showing false documents, etc. ) the tenants to prematurely terminate their lease. Their ultimate goal is to avoid mediation and fair negotiation of the purchased debt. Only my contacting the Dept of Justice and the property 's escrow attorney stopped their action. Contact by the the aforementioned attorneys caused the SLS attorney to write a disingenuous denial of knowledge of hiring the " henchmen ''. This illegal flexing of muscle was purposefully executed 1 day before a scheduled mediation date for a loan modification. Thank goodness a neighbor questioned the " thieving henchman '' before they gained entry or changed locks.

Company believes it acted appropriately as authorized by contract or law

Credit Solutions Corp did a hard inquiry on my credit report for a debt no longer valid, and also sent a letter stating i still owe the amount. I received a XXXX for the debt in 2013. Which was included on my taxes.

Company believes it acted appropriately as authorized by contract or law

Capital Management Services contacted my sister about me and she has no knowledge of my finances. She is not listed on any current outstanding credit I have. She should not have been contacted.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

i have several medical bills from XXXX iowa they did not file with my insurance company properly or not at all i have contacted my insuranse company and they have not recieved any charges that is on my credit report they can not pay what they have not been given i went to them and asked and they told me they did submit it i asked them to resubmit it and they told me they could not also i swear under oath i have never in my life time received a bill for the charges that i see on my credit report from them also they are charging me for an ambulance that i never was transported in and charges in XXXX of 2012 or XXXX the patient was my mother and no charges were ever submitted to either insurance company and again i have never been sent a bill for either i have charges from years ago but in no way knew about them until i looked at my credit report for the first time this year

Company has responded to the consumer and the CFPB and chooses not to provide a public response

They do not update my information/have incorrect information on me and I can not correct it, I can not log in due to the security questions not being correct

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I was working with my prior servicer XXXX XXXX XXXX to remove the PMI on my home. I was told to get an appraisal on the property, by the time I received the appraisal I received notification that my loan had been transferred to a new servicer " SLS ''. I contacted SLS to advise them I just received the appraisal and would like to request the removal of the PMI. I was advised to submit a request with my signature along with a copy of the appraisal. After submitting the documents, I received a letter stating they would not be able to use that appraisal and that I would have to pay for an additional appraisal ( an additional {$400.00} ). Also, the letter stated there was an authorization form attached that I would have to sign and send back for them to begin the process of obtaining a new appraisal. To my surprise there was no authorization form so I called SLS and they said I would receive a new authorization form. Three weeks later I am still waiting. I contacted my prior servicer and was told since my appraisal is not 60 days old SLS should be able to use it. At this point I think this is a stall tactic on the part of SLS. Either use my appraisal or provide me with a form so I can request one from your company. Every time I call SLS I get a different explanation. I 'm so frustrated and feel this is deliberate so that the customer will continue to pay the PMI.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Initially I disputed items on my credit report, which came back as verified. I believe the investigation is questionable.

Company believes it acted appropriately as authorized by contract or law

I deposited a check for {$28000.00} into my business checking account at XXXX. The check was made out to my business and a former tenant named XXXX. I signed the check. XXXX did not. The teller XXXX told me he was n't sure if the check might be subjected to " a hold. '' I said that did n't surprise me because of the amount, and I said I was fine with a delay of a week or two. XXXX is helpful teller who tries to please, and he did not indicate that there would be any other problems in getting my money other than a longer than usual wait. I am in the bank regularly depositing rent checks for my property management business. After a couple weeks I asked XXXX if she had any news on my {$28000.00} that was still listed as " unavailable '' in my account. She said that the bank was waiting to see if XXXX XXXX would pay the check because it only had my signature on it. I called my adjustor, and he said XXXX XXXX would pay it. I got a letter in the mail asking for me to get XXXX 's signature on an affidavit. I discussed the letter with XXXX the next time I was in the bank and told her I could not get XXXX 's signature. He had abandoned the property and sent a signed cancellation of the XXXX for Deed. She told me she would check into the issue. XXXX called me and told me that if I could not get XXXX 's signature, then I would get the check back. I said that was fine. She said " a copy of the check will be sent to you. '' I asked if that " copy '' would be a legal check that could be deposited elsewhere. She said yes. I talked to another bank that said they would take the check and deposit the money in my account without XXXX 's signature. The check was never sent back. I called my adjustor, and he said he would put a stop payment on the check and issue a new XXXX. My adjustor called me and said he tried to put a stop payment on the check but could n't because XXXX XXXX had already paid XXXX. I thought this was good news. I called XXXX and told her that TCF had the money from XXXX XXXX, so they could release the hold and make the money available in my account. She said she would check into that. I got a call back from XXXX saying that they would not release the money to my account, but would send it back to XXXX XXXX. She said they would only do this if XXXX XXXX sent a letter requesting this. I called my adjustor. He said he would not send a letter requesting TCF to refund the payment. He said I should work with my bank to get the payment that XXXX XXXX sent. He said XXXX XXXX did as promised -- examined the vandalism at my property, offered a claim payout, sent a claim check, and paid the claim funds. XXXX XXXX was done processing this claim. I called XXXX and told her that XXXX XXXX would not send a letter. She told me the only XXXX options were to get a letter from XXXX XXXX or a signature from XXXX. I told her neither of those options were viable. I told her I had the letter XXXX signed releasing his interest in the property. XXXX referred me to XXXX XXXX and asked me to send her that letter. I sent the letter to XXXX. I got a call from XXXX saying I was not supposed to contact XXXX. I told her I would wait for a response from XXXX. The last time I was in the bank I asked to talk to XXXX 's boss. I talked to XXXX, the branch manager. He told me that the signature from XXXX or the letter from XXXX XXXX were the only XXXX options. I told him those options were n't viable. He referred me to the regional XXXX XXXX. I called XXXX, and he said I only had XXXX options and he could not help me. XXXX emailed me back and told me the same thing. TCF has had my money for more than 6 weeks, though they told me they were waiting for XXXX XXXX to pay them. All TCF 's employees say they can hold my money indefinitely if I do not satisfy XXXX of their XXXX options. To me, that seems like theft or fraud or both.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I paid my mortgage on time. I actually paid them extra money by check. When I went to my bank they had drafted extra money from my account without my authorization. This is the second time they have done this. A few months ago I paid {$850.00} cash money to them. The next week I had checks bouncing all over the place because they kept the cash AND took another {$850.00} from my personal bank. How do they do that? I did n't authorize my bank or them to take ANY money from my personal bank. This is affecting my reputation and my creditworthiness. In fact it is damaging to my reputation in the community.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

On the morning of XXXX XXXX, 2016, we received a call from Synchony Bank about a delinquent Sam 's account. According to my wife, there have been multiple calls including concerning dialogs on " sending the police out to your house ''. With verification of the last XXXX of my SSN and address it was determined that it was not my account and that they made a mistake. I then requested to talk to a supervisor " XXXX '' who said that the company made a mistake. My concern, it that my family and myself were harassed based on only my name. These types of call should not be allowed based on limited searches with just the name. I understand the need to collect on bad debt, but I believe that his company and Sam 's should be held accountable for these types of collections practices.