{"took":223,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":404,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10896015","_score":23.250496,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida [ Date : XX/XX/XXXX ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Irregularities in the Transfer and Management of My Mortgage Account ( # Loan Ending in XXXX ) Dear CFPB Representatives, I am filing a formal complaint against XXXX XXXX XXXX and Valon Mortgage for multiple irregularities and lack of transparency in the transfer and subsequent servicing of my mortgage loan. Despite numerous requests, neither servicer has provided the complete and detailed payment history required by law, nor have they conducted the necessary audits to ensure the accuracy of the account at the time of transfer. These failures violate both federal laws, including the Real Estate Settlement Procedures Act ( RESPA ) and the Truth in Lending Act ( TILA ), as well as Florida state laws regarding mortgage servicing and consumer protection. I request your intervention to ensure these entities fulfill their obligations and resolve this matter. \n\nSummary of Events Loan Transfer : In XX/XX/XXXX, my mortgage loan was transferred from XXXX XXXXXXXX XXXX  to Valon Mortgage. \nXXXX XXXX XXXX failed to provide a complete payment history or conduct an audit of the account as part of the transfer process. Instead, Valon Mortgage received incomplete and fragmented information, as evidenced by their inability to provide a full breakdown of payments dating back to the loans origination in XX/XX/XXXX. \nRepeated Requests for a Complete Audit : Starting in XX/XX/XXXX, I have repeatedly requested a full and detailed payment history, including a breakdown of how payments were applied to the principal, interest, escrow, and other charges from the loans inception. \nValon Mortgage has consistently avoided providing a full audit or verifying the accuracy of the data transferred from XXXX. Instead, they have cited limitations, including their inability to generate a historical amortization schedule or audit how additional principal payments impacted the loan. \nEscalations and Delays : Valon Mortgage has repeatedly delayed addressing my concerns. Most recently, on XX/XX/XXXX, they requested an additional XXXX XXXX for an investigation, continuing a pattern of delay that has persisted for nearly XXXX XXXX \nImpact of Incomplete Information : The absence of a complete payment history has created significant confusion regarding : How payments were applied prior to and after the transfer. \nHow escrow funds were managed, including contributions and disbursements. \nHow additional principal payments were allocated. \nThis lack of clarity prevents me from verifying the accuracy of my account and raises doubts about whether XXXX XXXX XXXX conducted a proper audit before transferring the account. \nViolations Identified Federal Violations ( RESPA and TILA ) : Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ) : Requires loan servicers to ensure that all account information, including payment histories, is accurately transferred during a servicing transfer. \nMandates that servicers provide a detailed and complete payment history upon request, including an explanation of how payments were applied. Both XXXX XXXX XXXX and Valon Mortgage failed to meet these requirements.\n\nTruth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : Grants borrowers the right to understand how payments have been applied to their loan, including the allocation of principal, interest, and other charges.\n\nValon Mortgages refusal to provide a full historical audit of my account violates TILA by hindering my ability to verify and understand the status of my loan. \nState Violations ( Florida Consumer Protection Laws ) : Florida Statutes Chapter 494 ( Mortgage Brokerage and Lending ) : Mortgage servicers are required to act in good faith and provide accurate account information to borrowers. \nThe repeated delays and incomplete responses from Valon Mortgage constitute bad faith handling of my requests.\n\nFlorida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( Fla. Stat. 501.201 ) : Prohibits unfair or deceptive practices in the conduct of trade or commerce, including mortgage servicing.\n\nThe failure of Caliber Home Loans to provide a complete and accurate account history, combined with Valon Mortgages ongoing evasive responses, represents a potential violation of FDUTPA. \nFormal Requests I respectfully request the CFPB to take the following actions to ensure compliance with federal and state laws : Full Audit of the Loan : Conduct an independent audit of my mortgage account, detailing how all payments have been applied to the principal, interest, escrow, and other charges since the loans origination in XX/XX/XXXX. \nReview of the Loan Transfer Process : Investigate whether Caliber Home Loans conducted a proper audit of my account before transferring the loan to Valon Mortgage and whether Valon verified the accuracy of the transferred information.\n\nEscrow Account Analysis : Provide a complete breakdown of all escrow contributions, disbursements, and adjustments to ensure funds were handled accurately and in compliance with RESPA.\n\nEnsure Compliance with Legal Deadlines : Require Valon Mortgage to promptly respond to all future requests, adhering to the deadlines established under RESPA and other applicable laws.\n\nConclusion The failure of Caliber Home Loans to provide a complete account history during the transfer, combined with Valon Mortgages evasive responses and repeated delays, has created unnecessary confusion and uncertainty. These failures have prevented me from verifying the accuracy of my mortgage account and represent clear violations of both federal and Florida state laws. I request the CFPBs intervention to hold these entities accountable and ensure that my account is properly audited. \n\nThank you for your attention to this matter. I am available to provide additional documentation or clarification as needed. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX","date_sent_to_company":"2024-11-26T19:38:03.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"32257","tags":null,"has_narrative":true,"complaint_id":"10896015","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Valon Technologies, Inc.","date_received":"2024-11-23T01:10:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX failed to provide a <em>complete</em> <em>payment</em> <em>history</em> or <em>conduct</em> an <em>audit</em> of the account as part of the transfer process. Instead, Valon Mortgage received incomplete and fragmented information, as evidenced by their inability to provide a full breakdown of <em>payments</em> dating back to the loans origination in XX/XX/XXXX."],"issue":["Trouble during <em>payment</em> process"]},"sort":[23.250496,"10896015"]},{"_index":"complaint-public-v1","_id":"10893139","_score":20.624332,"_source":{"product":"Mortgage","complaint_what_happened":"Background Loan initiation and transfer : My mortgage loan began in XX/XX/XXXX and was serviced by Caliber Home Loans until its transfer to XXXX XXXX  on XX/XX/XXXX. \nIssues identified during the transfer : During the transfer, Caliber Home Loans failed to provide a complete payment history or conduct a proper audit to ensure that the transferred information was accurate. \nAccording to documentation received from XXXX XXXX, the initial transferred balance contained significant discrepancies that remain unexplained and unverified. \nSubsequent requests : Since XX/XX/XXXX, I have repeatedly requested from XXXX XXXX  and Caliber Home Loans a full and detailed payment history dating back to the loans inception. \nTo date, neither servicer has provided a detailed breakdown explaining how balances were adjusted during the transfer or how additional principal payments were handled.\n\nViolations Identified Non-compliance with Section 6 of RESPA ( 12 U.S.C. 2605 ) : Loan servicing transfer obligations : Under RESPA, Caliber Home Loans was required to ensure that the information transferred to XXXX XXXX  was complete, accurate, and verifiable. This includes : Providing a detailed history of all payments made by the borrower. \nAuditing and verifying principal, interest, and escrow balances before transferring the loan. \nCaliber failed to meet these requirements, as evidenced by XXXX XXXX incomplete responses and the lack of clarity regarding the adjustments made to the balance during the transfer.\n\nNon-compliance with the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1639 ) : TILA requires borrowers to receive clear and accurate information about how their payments have been applied to the loan balance.\n\nCalibers refusal to provide a complete and verifiable payment history constitutes a violation of this right, as it prevents borrowers from understanding how their loan was managed.\n\nLack of transparency : The absence of a detailed payment history and discrepancies in the transferred balances demonstrate mismanagement and a lack of transparency, raising concerns about the accuracy of the account while it was under Caliber Home Loans servicing.\n\nImpact of Violations The lack of clear and detailed information has created confusion about how payments made were applied to principal, interest, and escrow.\n\nDiscrepancies in the transferred balances have undermined my confidence in the management of my mortgage account.\n\nCaliber Home Loans failure to audit the account has shifted the burden of verification onto the borrower, which is unacceptable under applicable laws.\n\nFormal Requests I respectfully request the CFPBs intervention to ensure that Caliber Home Loans complies with its legal obligations under RESPA and TILA. Specifically, I request the following : Full audit of the loan : An independent audit detailing how all payments were applied during the period Caliber Home Loans serviced my account, from XX/XX/XXXX to XX/XX/XXXX. \nReview of the transfer process : An investigation to determine whether Caliber Home Loans transferred all required information accurately and whether balances were properly audited before the transfer.\n\nComplete and verified payment history : A detailed and verifiable breakdown of how payments were applied to principal, interest, charges, and escrow during the period Caliber Home Loans serviced my account. \nCompliance with the law : Ensure that Caliber Home Loans provides complete and transparent information in compliance with standards established by RESPA and TILA.\n\nConclusion The lack of transparency and poor handling of my account by Caliber Home Loans has raised serious concerns about the accuracy of the loan transfer and the application of my payments. These violations require the CFPBs immediate intervention to ensure that Caliber fulfills its legal obligations and that my mortgage account is properly audited. \n\nThank you in advance for your attention to this matter. I am available to provide any additional documentation to support my case. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX","date_sent_to_company":"2024-11-23T01:56:08.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"32257","tags":null,"has_narrative":true,"complaint_id":"10893139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Caliber Home Loans, Inc.","date_received":"2024-11-23T01:47:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["Issues identified during the transfer : During the transfer, Caliber Home Loans failed to provide a <em>complete</em> <em>payment</em> <em>history</em> or <em>conduct</em> a proper <em>audit</em> to ensure that the transferred information was accurate. \nAccording to documentation received from XXXX XXXX, the initial transferred balance contained significant discrepancies that remain unexplained and unverified."],"issue":["Trouble during <em>payment</em> process"]},"sort":[20.624332,"10893139"]},{"_index":"complaint-public-v1","_id":"20276554","_score":19.7292,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint is a formal escalation regarding the continued mismanagement of my mortgage account by XXXX XXXX ( Loan Number : XXXX ). The issues with this account extend beyond a single payment error and involve a pattern of servicing problems including misapplied payments, internal movement of funds, refusal to conduct an audit, and concerns regarding the accuracy of calculations used in a loan modification. \n\nThe servicing problems with this account go back well before XX/XX/year>. Over time, payments have been misapplied within the servicing system and funds appear to have been internally moved or reallocated rather than correcting the underlying posting errors. These actions have resulted in an inaccurate payment timeline and confusion regarding the true status of the account. \n\nOne example of this occurred when the XX/XX/year> mortgage payment, which was paid on XX/XX/year>, was recorded by the servicer as being received XX/XX/year>. This shifted the payment timeline forward within the system and caused the XXXX payment to appear unpaid. \n\nDuring a live chat with a servicing representative, the agent acknowledged that internal adjustments had been made to the account and stated : There have been fees waived, and payments moved on the account to complete the full payments. \n\nThis statement confirms that payments were internally moved within the servicing ledger rather than correcting the original posting error and payment timeline. Full payments had already been made for the applicable billing periods, therefore moving funds within the account does not correct the underlying servicing error. \n\nIn addition to these payment application issues, funds that were being held within the account appear to have been used when calculating a loan modification rather than relying on the correct payment history and account status. This raises serious concerns about whether the modification terms were calculated using inaccurate servicing data. \n\nI have repeatedly requested a full servicing audit and reconciliation of the account. These requests were refused, and additional written correspondence disputing the account history was not acknowledged. \n\nDespite prior disputes and an earlier complaint, the servicer has failed to properly investigate the account or correct the servicing errors. \n\nAt this point the following issues remain unresolved : Payments have been misapplied within the servicing system Funds have been internally moved or reallocated instead of correcting posting errors The payment timeline within the servicing ledger remains inaccurate Requests for a full servicing audit have been refused Written disputes have gone unanswered Funds held within the account may have been used when calculating the loan modification Credit reporting may reflect inaccurate payment information resulting from these servicing errors Because the account history remains unresolved, I am requesting that the servicer be required to conduct a full servicing audit and reconciliation of the account. \n\nSpecifically, I am requesting that the servicer provide the complete loan transaction history and servicing ledger for this account, including all transaction codes, effective dates, posting dates, suspense or unapplied funds activity, internal adjustments, reversals, and payment application details. \n\nThis request also includes documentation showing how each payment was applied to principal, interest, escrow, fees, and any suspense or unapplied funds accounts. \n\nI am also requesting documentation and calculation worksheets used to determine the terms of the loan modification to confirm that the modification was calculated using accurate payment history and account balances. \n\nThe payment ledger should accurately reflect the true payment dates and correct application of funds. Any inaccurate credit reporting resulting from these servicing errors should be corrected.","date_sent_to_company":"2026-04-21T15:53:11.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"522XX","tags":null,"has_narrative":true,"complaint_id":"20276554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2026-03-15T04:35:25.000Z","state":"IA","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["resulting from these servicing errors Because the account <em>history</em> remains unresolved, I am requesting that the servicer be required to <em>conduct</em> a full servicing <em>audit</em> and reconciliation of the account."],"issue":["Trouble during <em>payment</em> process"]},"sort":[19.7292,"20276554"]},{"_index":"complaint-public-v1","_id":"13030981","_score":19.544323,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a Florida resident, and I am requesting that Capital One conduct a complete audit and verification of the information your institution furnished to XXXX  regarding the account listed under my name. The account shows discrepancies in the reporting of key data points such as the last payment date, charge-off status, and payment history, which appear factually inaccurate and internally inconsistent.\n\nI specifically request written verification of the following account-level details from your system of record : Exact Date of Last Payment Date of First Delinquency ( DOFD ) Date the Account Was Charged Off Balance at Charge-Off Account Closure Date Monthly Payment History as Furnished to XXXX  The XXXX credit report currently shows a last payment date that doesn't correlate with the payment history, suggesting inaccurate or inconsistent reporting.\n\nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers have a legal duty to provide data that is accurate and complete and to correct or delete information they later learn is incorrect.\n\nIn addition, under Florida Statute 559.72 ( 9 ) of the Florida Consumer Collection Practices Act ( FCCPA ), it is unlawful to knowingly attempt to enforce a debt that is not legitimate or to communicate with a credit reporting agency with information known to be false.\n\nAs a Florida consumer, I am asserting my rights under both federal and state law and request the following : A full audit of the account as it is stored and maintained in your system A copy of what was furnished to Experian, including dates of payment and delinquency A correction or deletion of any information found to be inaccurate, inconsistent, or unverifiable This information is critical in support of an ongoing arbitration action I am preparing against Experian, and I require this verification from your institution to evaluate whether the data being reported is lawful and accurate.","date_sent_to_company":"2025-04-17T15:04:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34759","tags":null,"has_narrative":true,"complaint_id":"13030981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-17T14:41:10.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am a Florida resident, and I am requesting that Capital One <em>conduct</em> a <em>complete</em> <em>audit</em> and verification of the information your institution furnished to XXXX  regarding the account listed under my name. The account shows discrepancies in the reporting of key data points such as the last <em>payment</em> date, charge-off status, and <em>payment</em> <em>history</em>, which appear factually inaccurate and internally inconsistent."]},"sort":[19.544323,"13030981"]},{"_index":"complaint-public-v1","_id":"22197843","_score":19.050825,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Request for Immediate Account Discharge Repayment History Since XXXX Complaint Text : I am writing to formally dispute the management of my federal student loans and request an immediate manual account audit. My loans originally entered repayment in XXXX, meaning I have been in repayment status for approximately XXXX years. \nI consolidated my loans in the XXXX, which improperly reset my payment timeline under old rules. Under the Department XXXX XXXX XXXXXXXX XXXX  ( XXXX ) Account Adjustment rules, the government must look past that consolidation and give me full credit for my entire history back to XXXX. \nFurthermore, I was in direct contact with my servicer, MOHELA, during XXXX. No representative ever informed me about the one-time XXXX look-back correction or the critical deadlines that would have immediately XXXX my entire loan balance. MOHELA committed a severe administrative error by withholding this information from a borrower with a XXXX payment history. \nThe maximum time required for complete federal loan forgiveness is XXXX or XXXX years. My history vastly exceeds this threshold. I request that the Department of Education and the FSA Ombudsman take the following immediate actions : Conduct a manual audit of my XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) file back to XXXX. \nApply all retroactive look-back credits for my time in repayment, forbearance, and deferment. \nIssue an immediate and complete discharge of my remaining loan balance. \nReview my account for a cash refund of all overpayments made beyond my XXXX month of qualifying repayment. \nPlease review my federal account data immediately to correct this multi-decade error. I look forward to your official written response within the required legal timeline.","date_sent_to_company":"2026-05-14T13:35:51.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"681XX","tags":null,"has_narrative":true,"complaint_id":"22197843","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2026-05-14T13:22:21.000Z","state":"NE","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["MOHELA committed a severe administrative error by withholding this information from a borrower with a XXXX <em>payment</em> <em>history</em>. \nThe maximum time required for <em>complete</em> federal loan forgiveness is XXXX or XXXX years. My <em>history</em> vastly exceeds this threshold. I request that the Department of Education and the FSA Ombudsman take the following immediate actions : <em>Conduct</em> a manual <em>audit</em> of my XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) file back to XXXX."]},"sort":[19.050825,"22197843"]},{"_index":"complaint-public-v1","_id":"3366042","_score":18.97427,"_source":{"product":"Mortgage","complaint_what_happened":"Wishing to pay off a loan serviced by LoanCare Account Servicing ( \" LoanCare '' ),  the XXXX obtained a payoff on or around XX/XX/XXXX that showed that they owed a balance of {$290000.00} on the loan, of which {$150000.00} was purportedly interest due. However, the XXXX have been paying this loan since XXXX and contest that this is the balanced due. The XXXX believe that loan is already paid off or should be close to being repaid in full. As such, since XX/XX/XXXX, Mr. and Mrs. XXXX have been trying to get a complete payment history for the loan from LoanCare. In XX/XX/XXXX, LoanCare produced documents that purported to be the entire payment history for the loan. The documents, nevertheless, clearly did not include the entire payment history for the loan. \n\nAs such, on or around XX/XX/XXXX, Mr. and Mrs. XXXX requested that the loan be audited. The attached letter is their request to LoanCare, via their attorney, for the audit ( the \" Demand Letter '' ). Via letter dated XX/XX/XXXX, also attached, LoanCare acknowledge receipt of the Demand Letter. It also represented that, in compliance with federal law, it would send a detailed response no later than 30 business days from the date it received the XXXX XXXX complaint. Assuming it received the Demand Letter on XX/XX/XXXX, LoanCare 's detailed response was due on XX/XX/XXXX. However, to date, neither the XXXX nor their attorney XXXX XXXX have received any response whatsoever from LoanCare. \n\nOn XX/XX/XXXX, Ms. XXXX contacted LoanCare at the phone number in its letter of XX/XX/XXXX. She spoke to a representative at LoanCare 's Georgia office. Said representative then contacted the XXXX office while Ms. XXXX was on hold. The representative said that the person who conducts the audits had not gotten the information, but that she has spoken to another agent from the XXXX office who would be providing it to the person in charge of audits. The representative from the Georgia office offered to give Ms. XXXX the email of the person in charge of audits. Ms. XXXX advised the representative that if she was going to provide her the email of a XXXX XXXX, doing so would be futile, as Ms. XXXX had previously emailed Ms. XXXX on the issue, and had received no response. This is detailed in the Demand Letter.","date_sent_to_company":"2019-09-06T21:56:47.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"85364","tags":null,"has_narrative":true,"complaint_id":"3366042","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2019-09-06T20:49:08.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX have been trying to get a <em>complete</em> <em>payment</em> <em>history</em> for the loan from LoanCare. In XX/XX/XXXX, LoanCare produced documents that purported to be the entire <em>payment</em> <em>history</em> for the loan. The documents, nevertheless, clearly did not include the entire <em>payment</em> <em>history</em> for the loan. \n\nAs such, on or around XX/XX/XXXX, Mr. and Mrs. XXXX requested that the loan be <em>audited</em>. The attached letter is their request to LoanCare, via their attorney, for the <em>audit</em> ( the \" Demand Letter '' )."],"issue":["Trouble during <em>payment</em> process"]},"sort":[18.97427,"3366042"]},{"_index":"complaint-public-v1","_id":"19037294","_score":18.459381,"_source":{"product":"Credit card","complaint_what_happened":"Re : Misapplication of Credit Card Payments Bank of America Admission Without Correction I am filing this complaint regarding Bank of Americas misapplication of my credit card payments and its failure to correct the error after acknowledging it. \n\nBank of America has confirmed to me that payments I made in excess of the minimum due were misapplied. Specifically, the bank acknowledged that my over-minimum payments were improperly split and applied to lower-interest balances instead of being applied first to higher-interest balances, including cash advances. This practice is inconsistent with Bank of Americas stated payment allocation policy, which provides that payments made above the minimum due are applied first to the highest-interest balances. \n\nBank of America represented that it would audit my account to correct the misapplication and ensure all past over-minimum payments were applied correctly. However, no audit has been completed, no payments have been reapplied, and no corrective action has occurred. \n\nI have paid thousands of dollars above the minimum payment in good faith, relying on the banks published payment allocation rules. As a result of Bank of Americas failure to properly apply these payments, higher-interest balances continued to accrue interest unnecessarily, causing financial harm. \n\nDespite Bank of Americas acknowledgment that my payments were misapplied, the bank has failed to correct the account history, reverse improperly assessed interest, or provide written confirmation of any remediation. An acknowledgment of error without corrective action does not resolve the issue. \n\nI am requesting that Bank of America : Conduct the promised audit of my account ; Retroactively reapply all payments made above the minimum due to the highest-interest balances, as required by its policy ; Correct any improperly assessed interest and fees, and put them toward the high-interest balance Provide written confirmation detailing the corrections made.","date_sent_to_company":"2026-01-27T15:36:35.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"74133","tags":"Servicemember","has_narrative":true,"complaint_id":"19037294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-01-27T15:24:39.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["Bank of America represented that it would <em>audit</em> my account to correct the misapplication and ensure all past over-minimum <em>payments</em> were applied correctly. However, no <em>audit</em> has been <em>completed</em>, no <em>payments</em> have been reapplied, and no corrective action has occurred. \n\nI have paid thousands of dollars above the minimum <em>payment</em> in good faith, relying on the banks published <em>payment</em> allocation rules."]},"sort":[18.459381,"19037294"]},{"_index":"complaint-public-v1","_id":"13045826","_score":17.747215,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a XXXX  consumer requesting that Discover Bank conduct a full internal audit of the account currently being reported to XXXX  under my name, as the information appears inaccurate and inconsistentspecifically regarding the last payment date and monthly payment history. \n\nAccording to the XXXX  credit report : A last payment date of XX/XX/XXXX is listed Yet the payment history shows continuous Charge Off ( CO ) notations well after this date, through XX/XX/XXXX, with delinquencies recorded prior and beyond These inconsistencies raise serious concerns under both federal and state consumer protection laws. I am formally requesting that Discover provide the following account-level details for verification : The actual date of last payment from your system The date of charge-off The date of first delinquency ( DOFD ) The date the account was closed, if applicable The balance at time of charge-off A breakdown of monthly status updates that were furnished to XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers like Discover are required to report accurate and complete data and to correct or delete any data found to be inaccurate or unverifiable. \n\nAdditionally, under XXXX Statute 559.72 ( 9 ) ( FCCPA ), a creditor may not attempt to enforce a debt or furnish data to a consumer reporting agency when it knows or should know the information is false or misleading. \n\nPlease take notice : Discover 's cardmember agreement includes a binding arbitration clause, under which Discover is responsible for covering all arbitration filing, administration, and hearing costs. I am fully prepared to invoke this clause and pursue individual arbitration if necessary. \n\nThe cost of arbitration for Discover could exceed {$5000.00} in fees alone, while a simple audit and deletion or correction of this erroneous tradeline would satisfy my concern and avoid unnecessary escalation. \n\nTherefore, I am requesting : A full audit of this account as furnished to XXXX  Written verification of the listed dates above Correction or deletion of any data that can not be verified or is inconsistent with what was actually furnished This request is made in good faith to avoid further legal or arbitration action and to resolve the matter directly and efficiently.","date_sent_to_company":"2025-04-17T15:09:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34759","tags":null,"has_narrative":true,"complaint_id":"13045826","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-04-17T15:06:10.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am a XXXX  consumer requesting that Discover Bank <em>conduct</em> a full internal <em>audit</em> of the account currently being reported to XXXX  under my name, as the information appears inaccurate and inconsistentspecifically regarding the last <em>payment</em> date and monthly <em>payment</em> <em>history</em>."]},"sort":[17.747215,"13045826"]},{"_index":"complaint-public-v1","_id":"17093702","_score":17.736181,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a written dispute letter to Santander XXXX, XXXX. on XX/XX/XXXX, formally requesting validation and a XXXX XXXX compliance audit of my automobile loan reporting. The letter specifically asked Santander to provide : A copy of the original signed agreement; A complete payment history ; A XXXX XXXX data file extract confirming all credit reporting fields ( Account Status, Date of First Delinquency, Payment Rating, and Current Balance ) were accurate and compliant under XXXX XXXX XXXX standards ; and Verification that the information reported to XXXX XXXX XXXX XXXX was accurate, complete, and verifiable under FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ). \n\nIn response, Santander provided a letter stating that they do not perform goodwill investigations and would not re-investigate my dispute. They refused to supply validation documentation, a payment history, or evidence that their data reporting is compliant with XXXX XXXX or FCRA accuracy standards This response violates my consumer rights under multiple provisions of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and CFPB Regulation V ( 12 C.F.R. 1022.42 ) : Failure to Reinvestigate Disputed Information Under FCRA 611 ( a ) ( 1 ) ( A ), a furnisher is required to conduct a reasonable reinvestigation when notified of a dispute. Santanders written refusal to perform any investigation ( we do not perform goodwill investigations ) constitutes a willful noncompliance and denial of due process under FCRA 616. \n\nXXXX XXXX : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) establishes that furnishers must conduct reasonable investigations, not cursory reviews or blanket refusals. \n\nViolation of FCRA 623 ( a ) ( 1 ) ( A ) Reporting Inaccurate or Unverified Information Santanders continued furnishing of negative payment history and late payment codes to credit bureaus, without validation or proof of accuracy, constitutes inaccurate data furnishing. \n\nXXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) held that furnishers are liable for failing to reasonably investigate consumer disputes and correct inaccurate credit reporting. \n\nViolation of FDCPA XXXX XXXX b ) Failure to Validate Debt While Santander acts as a creditor and lienholder, once they report to consumer agencies and collect on charged-off or delinquent balances, they become a data furnisher subject to FDCPA validation standards. \n\nBy refusing to provide an account ledger, signed contract, or validation documents, Santander failed to comply with the federal requirement to verify debts before further collection or reporting activity. \n\nXXXX XXXX and CFPB Data Integrity Violations Santanders refusal to produce or certify a XXXX XXXXcompliant data file demonstrates noncompliance with CFPB Regulation V ( 12 C.F.R. 1022.42 ) and CDIA Furnisher Data Accuracy Guidelines, which require accurate and complete data transmission to CRAs. \n\nXXXX v. XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) confirms that inaccurate or incomplete reporting constitutes an actionable FCRA violation. \n\nPredatory Lending & Regulatory History Santander XXXX XXXX has a documented history of predatory auto lending, including the XXXX CFPB and state attorney general settlement for deceptive subprime loan practices and failure to ensure borrowers could repay loans. Their conduct toward me dismissing lawful dispute rights, refusing transparency, and ignoring validation requirements aligns with the same predatory and noncompliant lending behaviors previously cited by regulators. \n\nSummary of Harm Santanders refusal to validate, investigate, or provide basic account documentation has : Prevented me from verifying the accuracy of their reporting ; Caused ongoing credit damage through unverified late payments ; and Denied me my lawful right to fair and accurate reporting as established under FCRA, FDCPA, and CFPB regulations. \n\nRequested Resolution I am requesting that the CFPB compel Santander XXXX, XXXX. to : Provide full validation documentation ( signed agreement, payment history, account audit ). \n\nConduct a complete reinvestigation in compliance with FCRA 611 ( a ) ( 1 ) ( A ). \n\nProvide a XXXX XXXX compliance certification of their data furnished to CRAs. \n\nCease furnishing unverifiable or inaccurate information to the credit bureaus until validation is completed. \n\nRemove all unverified late payments or negative reporting from my credit files.","date_sent_to_company":"2025-11-19T15:41:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89123","tags":null,"has_narrative":true,"complaint_id":"17093702","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-11-07T21:06:55.000Z","state":"NV","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Requested Resolution I am requesting that the CFPB compel Santander XXXX, XXXX. to : Provide full validation documentation ( signed agreement, <em>payment</em> <em>history</em>, account <em>audit</em> ). \n\n<em>Conduct</em> a <em>complete</em> reinvestigation in compliance with FCRA 611 ( a ) ( 1 ) ( A ). \n\nProvide a XXXX XXXX compliance certification of their data furnished to CRAs. \n\nCease furnishing unverifiable or inaccurate information to the credit bureaus until validation is <em>completed</em>."]},"sort":[17.736181,"17093702"]},{"_index":"complaint-public-v1","_id":"18662667","_score":17.717003,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing a complaint against my mortgage servicer, Mr. Cooper / Lakeview XXXX XXXX, for ongoing escrow servicing errors, failure to comply with RESPA and Regulation X, and failure to properly respond to a written Notice of Error. \n\nOn XX/XX/XXXX, I sent a written Notice of Escrow Error / Qualified Written Request disputing multiple contradictory escrow analyses and requesting a full escrow history, proof of tax and insurance payments, and correction of servicing errors. The servicer did not provide the required acknowledgment or documentation within the timeframes required by 12 U.S.C. 2605 ( e ) and 12 C.F.R. 1024.351024.36.\n\nInstead of responding properly, the servicer issued a series of conflicting escrow determinations, including : A surplus issued in XX/XX/XXXX A {$5400.00} shortage asserted in XX/XX/XXXX A different shortage of {$2900.00} asserted in XX/XX/XXXX These contradictory determinations occurred without any clear explanation or reconciliation. \n\nOn XX/XX/XXXX, the servicer issued a research response attempting to explain only the most recent {$2900.00} shortage. While this letter describes how that single figure was calculated, it fails to comply with RESPA because it does not : Reconcile prior surplus and shortage determinations Explain why property taxes were previously included and later omitted Provide a complete escrow transaction ledger Provide proof of tax or insurance payments Correct prior servicing errors As of today, my XX/XX/XXXX Notice of Error remains unresolved.\n\nThis pattern demonstrates escrow mismanagement, improper accounting, and failure to comply with federal mortgage servicing requirements. I am requesting CFPB intervention to require the servicer to conduct a full escrow audit, correct all servicing errors, and cease enforcing any disputed escrow amounts.\n\nCFPB Complaint What You Want the Company to Do I am requesting that the CFPB require Mr. Cooper / Lakeview XXXX XXXX to : 1. Conduct a full escrow audit from XXXX to present 2. Provide a complete escrow transaction history ( deposits, disbursements, balances ) 3. Reconcile all prior surplus and shortage determinations 4. Correct or remove any servicer-caused escrow shortage 5. Provide proof of all tax and insurance payments 6. Suspend enforcement of disputed escrow amounts pending correction 7. Comply fully with RESPA and Regulation X","date_sent_to_company":"2026-01-12T21:35:18.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"60540","tags":null,"has_narrative":true,"complaint_id":"18662667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2026-01-12T21:27:10.000Z","state":"IL","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["I am requesting CFPB intervention to require the servicer to <em>conduct</em> a full escrow <em>audit</em>, correct all servicing errors, and cease enforcing any disputed escrow amounts.\n\nCFPB Complaint What You Want the Company to Do I am requesting that the CFPB require Mr. Cooper / Lakeview XXXX XXXX to : 1. <em>Conduct</em> a full escrow <em>audit</em> from XXXX to present 2. Provide a <em>complete</em> escrow transaction <em>history</em> ( deposits, disbursements, balances ) 3. Reconcile all prior surplus and shortage determinations 4."],"issue":["Trouble during <em>payment</em> process"]},"sort":[17.717003,"18662667"]},{"_index":"complaint-public-v1","_id":"17836650","_score":16.638891,"_source":{"product":"Student loan","complaint_what_happened":"Consolidation History Company : Nelnet What happened I am filing this complaint because Nelnet has failed to investigate significant errors on my federal student loan account prior to consolidation, despite multiple requests. \nI asked Nelnet to provide : A complete pre-consolidation payment history, Account-level records showing how my payments were applied, Any documentation explaining changes to my loan balances prior to consolidation, and Records required under federal servicing standards so I can verify my balance and eligibility for programs. \nNelnet refused to investigate the errors I identified stating that anything pre-consolidation is not their responsibility and even after that can only share what was sent by previous servicer ( as per conversation on XX/XX/year> at XXXXXXXX XXXX with supervisor XXXX XXXX, call should be recorded ). Their failure to investigate the dispute violates federal servicing requirements, including the duties to : Acknowledge and investigate borrower disputes, Provide supporting documentation upon request, and Maintain accurate payment histories, including pre-consolidation data. \nBecause Nelnet did not review the discrepancies I reported, I have no reliable way to verify the accuracy of my consolidated loan balance. \nWhat I requested from Nelnet I specifically requested that Nelnet : Research payment-application errors that occurred before my consolidation date. \nProvide a full account payment history for the underlying loans that were consolidated. \nExplain discrepancies in balances, capitalization events, and applied payments. \nCorrect any errors found in the underlying accounts. \nNelnet did not provide the required documents and did not conduct a proper investigation. \nWhy this is a problem Nelnets refusal to investigate or provide accurate account information has caused the following harm : I can not confirm whether my consolidated loan balance is correct. \nI can not determine whether I qualified for forgiveness programs due to possible misapplied payments or forbearance steering. \nI am unable to audit my repayment history because the pre-consolidation data is missing or incomplete. \nThis prevents me from understanding my legal obligations or correcting potential servicing errors. \nWhat I want the CFPB to do I am requesting that the CFPB require Nelnet to : Conduct a full investigation into all pre-consolidation loan errors I identified, Produce a complete and accurate pre-consolidation payment history for all loans included in my consolidation, Provide documentation supporting the calculation of my final consolidated balance, Correct any servicing errors or misapplied payments, and Provide a written explanation resolving each issue. \n\nIssues are as follows : XXXX placed me in and out of forbearance in error th is capitalizing interest. 1st forbearance started on date payment started after I had made a payment 2 weeks prior interest capitalized in the amount if {$340.00} on same day.","date_sent_to_company":"2025-11-24T21:01:26.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"17836650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-11-24T20:47:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["What I want the CFPB to do I am requesting that the CFPB require Nelnet to : <em>Conduct</em> a full investigation into all pre-consolidation loan errors I identified, Produce a <em>complete</em> and accurate pre-consolidation <em>payment</em> <em>history</em> for all loans included in my consolidation, Provide documentation supporting the calculation of my final consolidated balance, Correct any servicing errors or misapplied <em>payments</em>, and Provide a written explanation resolving each issue."]},"sort":[16.638891,"17836650"]},{"_index":"complaint-public-v1","_id":"21857929","_score":16.638134,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing a complaint regarding ongoing mortgage servicing errors by Rocket Mortgage/XXXX. XXXX. \n\nBeginning around XX/XX/XXXX and continuing through XXXX, my extra payments were not consistently applied to principal as intended. Instead, funds were placed into suspense/unapplied status, used toward future payments, reversed, and re-applied in ways that made my account history inaccurate.\n\nRocket Mortgages own response acknowledges that recent payment reversals caused the system to incorrectly display my last payment as XX/XX/XXXX, even though I continued making payments after that date. Their letter also states that the account is current and that my next payment was due XX/XX/XXXX, but their transaction history shows repeated suspense adjustments, reversals, and partial payment entries. \n\nI contacted Rocket Mortgage multiple times by phone and email to request a full explanation, correction of my payment history, and confirmation that all funds were properly applied. I also requested clarification on why funds were placed in suspense/unapplied status and why the account reflected inaccurate payment information. \n\nAlthough Rocket Mortgage responded, the response did not fully resolve the issue or provide a clear reconciliation of all payments from XX/XX/XXXX f\n\norward. They also acknowledged that a requested supervisor callback was not completed. I am requesting that Rocket Mortgage : 1. Conduct a full audit of my payment history from XX/XX/XXXX to present 2. Correct any misapplied, reversed, or suspended payments 3. Confirm all principal-only payments were properly applied 4. Recalculate and credit any excess interest charged due to delayed or incorrect application 5. Confirm my account status and credit reporting were not negatively impacted 6. Provide a written explanation of all corrections made This issue has caused inaccurate account records, repeated confusion, and unnecessary financial stress.","date_sent_to_company":"2026-05-04T17:37:28.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"21857929","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2026-05-04T16:46:49.000Z","state":"VA","company_public_response":null,"sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["<em>Conduct</em> a full <em>audit</em> of my <em>payment</em> <em>history</em> from XX/XX/XXXX to present 2. Correct any misapplied, reversed, or suspended <em>payments</em> 3. Confirm all principal-only <em>payments</em> were properly applied 4. Recalculate and credit any excess interest charged due to delayed or incorrect application 5. Confirm my account status and credit reporting were not negatively impacted 6."],"issue":["Trouble during <em>payment</em> process"],"sub_issue":["<em>Payment</em> process"]},"sort":[16.638134,"21857929"]},{"_index":"complaint-public-v1","_id":"2679873","_score":16.545197,"_source":{"product":"Debt collection","complaint_what_happened":"This company is in direct violation of 15 U.S.C 1693 ( f ) and FDIC 6000- Consumer Protection ; TITLE VI - ELECTRONIC TRANSFERS 908 Error Resolution and have refused to pay the Treble Damages demanded for failure to conduct a good faith investigation, provide in writing and results of any investigation and determination within ten business days and still have failed to do so, they have failed to mail any findings or reproduce any documents they used to determine their findings, they have failed to provided the verifed, certified and complete transaction history I requested within ten days. These are all direct volations of this consumer protection title vi - electronic transfer 908 error resolution. I received a bill from this company and went online and paid them three times each amount was for {$2200.00} they stated that no account was found. I faxed them a letter of dispute and requested an audit be conducted and asked them to provide me all documents included the verified, certified and complete transaction history of my account within 10 days ( based off the EFT Act ) or Treble Damages of 3 times the amount of each payment submitted would apply. The company failed to provide any documentation requested nor did they complete a good faith investigation within the 10 day period and provide the documentation from that. By failing to do so this is a violation of the act stated above and I am entitled to the damages requested that come to the amount of {$20000.00}. They also failed to produce their W-9 form as requested on 10 occassions. they also knowingly and willfully concluded that my account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation as they had produced no such documentation to support that finding and this was all done AFTER the 10 days in which they had and also not until I told them I would be filing complaints with the FTC, FDIC, and CFPB. I sent a demand letter for the damages in which they ignored.","date_sent_to_company":"2017-09-20T17:40:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"53590","tags":null,"has_narrative":true,"complaint_id":"2679873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Altisource Portfolio Solutions, S.à r.l.","date_received":"2017-09-20T17:34:08.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I faxed them a letter of dispute and requested an <em>audit</em> be <em>conducted</em> and asked them to provide me all documents included the verified, certified and <em>complete</em> transaction <em>history</em> of my account within 10 days ( based off the EFT Act ) or Treble Damages of 3 times the amount of each <em>payment</em> submitted would apply. The company failed to provide any documentation requested nor did they <em>complete</em> a good faith investigation within the 10 day period and provide the documentation from that."]},"sort":[16.545197,"2679873"]},{"_index":"complaint-public-v1","_id":"2679542","_score":16.545197,"_source":{"product":"Debt collection","complaint_what_happened":"This company is in direct violation of 15 U.S.C 1693 ( f ) and FDIC 6000- Consumer Protection ; TITLE VI - ELECTRONIC TRANSFERS 908 Error Resolution and have refused to pay the Treble Damages demanded for failure to conduct a good faith investigation, provide in writing and results of any investigation and determination within ten business days and still have failed to do so, they have failed to mail any findings or reproduce any documents they used to determine their findings, they have failed to provided the verifed, certified and complete transaction history I requested within ten days. These are all direct volations of this consumer protection title vi - electronic transfer 908 error resolution. I received a bill from this company and went online and paid them three times each amount was for {$2200.00} they stated that no account was found. I faxed them a letter of dispute and requested an audit be conducted and asked them to provide me all documents included the verified, certified and complete transaction history of my account within 10 days ( based off the EFT Act ) or Treble Damages of 3 times the amount of each payment submitted would apply. The company failed to provide any documentation requested nor did they complete a good faith investigation within the 10 day period and provide the documentation from that. By failing to do so this is a violation of the act stated above and I am entitled to the damages requested that come to the amount of {$20000.00}. They also failed to produce their W-9 form as requested on 10 occassions. they also knowingly and willfully concluded that my account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation as they had produced no such documentation to support that finding and this was all done AFTER the 10 days in which they had and also not until I told them I would be filing complaints with the FTC, FDIC, and CFPB. I sent a demand letter for the damages in which they ignored.","date_sent_to_company":"2017-09-20T17:40:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"53590","tags":null,"has_narrative":true,"complaint_id":"2679542","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2017-09-20T17:40:23.000Z","state":"WI","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I faxed them a letter of dispute and requested an <em>audit</em> be <em>conducted</em> and asked them to provide me all documents included the verified, certified and <em>complete</em> transaction <em>history</em> of my account within 10 days ( based off the EFT Act ) or Treble Damages of 3 times the amount of each <em>payment</em> submitted would apply. The company failed to provide any documentation requested nor did they <em>complete</em> a good faith investigation within the 10 day period and provide the documentation from that."]},"sort":[16.545197,"2679542"]},{"_index":"complaint-public-v1","_id":"19978463","_score":16.439795,"_source":{"product":"Student loan","complaint_what_happened":"I am submitting this complaint regarding the servicing of my private student loans currently handled by MOHELA. My loans were previously serviced by XXXX and were transferred to MOHELA approximately XXXX year ago. \n\nMy loans originated around 2014, and since that time I have made substantial payments toward this debt. According to my account summary, I have paid a total of {$51000.00}, including {$33000.00} toward principal, {$18000.00} toward interest, and additional fees. \n\nFollowing the transfer of my loans from XXXX to MOHELA, I have concerns regarding the transparency and accuracy of my loan servicing. Loan transfers between servicers can sometimes result in payment history discrepancies, incorrect application of payments, or incomplete transfer of account data. Given the significant amount I have already paid toward this loan, it is essential that my account history and balance be accurate. \n\nTherefore, I am requesting a formal review and audit of my loan account, including the transfer process from XXXX to MOHELA. \n\nSpecifically, I request the following : A complete and itemized payment history for my loan from origination in 2014 to the present Verification that all payments made while my loan was serviced by XXXX were accurately transferred and applied by MOHELA A detailed breakdown of how my payments have been allocated between principal, interest, and fees over the life of the loan Written confirmation of my current outstanding balance and payoff amount A review of the interest calculations applied to my account to ensure they are consistent with the terms of the loan agreement Given the significant payments made on this account, I am requesting that this review be conducted thoroughly and that any discrepancies or servicing errors be corrected promptly. \n\nI appreciate your prompt attention to this matter and request a written response outlining the results of the account review.","date_sent_to_company":"2026-03-04T21:03:01.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"34746","tags":null,"has_narrative":true,"complaint_id":"19978463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2026-03-04T20:50:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Loan transfers between servicers can sometimes result in <em>payment</em> <em>history</em> discrepancies, incorrect application of <em>payments</em>, or incomplete transfer of account data. Given the significant amount I have already paid toward this loan, it is essential that my account <em>history</em> and balance be accurate. \n\nTherefore, I am requesting a formal review and <em>audit</em> of my loan account, including the transfer process from XXXX to MOHELA."]},"sort":[16.439795,"19978463"]},{"_index":"complaint-public-v1","_id":"22202035","_score":16.406086,"_source":{"product":"Student loan","complaint_what_happened":"I am filing a complaint regarding inaccurate credit reporting by Nelnet due to a servicer error involving my autodebit enrollment. \n\nI submitted an autodebit enrollment request to Nelnet in XX/XX/XXXX. Despite completing all required steps, Nelnet did not activate my autodebit until XX/XX/XXXX. This is a fivemonth delay. Resulting in late payments for XXXX causing a XXXX delay of late payment on my credit reportS Because autodebit was not activated as it should have been, my payments were not withdrawn automatically. Nelnets failure to process my enrollment in a reasonable timeframe directly caused the late payments that are now being reported to the credit bureaus. \n\nThese late payments are inaccurately attributed to borrower fault. I acted in good faith by enrolling in autodebit, and the delinquencies occurred solely because Nelnet failed to activate the service. \nI am requesting that Nelnet : 1. Conduct a full audit of my autodebit enrollment and payment history.\n\n2. Confirm the date I submitted my autodebit request ( XX/XX/XXXX ). \n3. Confirm the date Nelnet activated autodebit ( XX/XX/XXXX ). \n4. Correct the inaccurate late payment reporting for the months affected. \n\nI have attached documentation showing my autodebit enrollment date and the delayed activation. I am requesting that the CFPB require Nelnet to investigate this matter and correct the inaccurate credit reporting.","date_sent_to_company":"2026-05-14T15:32:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Federal student loan servicing","zip_code":"98409","tags":null,"has_narrative":true,"complaint_id":"22202035","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-05-14T15:25:11.000Z","state":"WA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These late <em>payments</em> are inaccurately attributed to borrower fault. I acted in good faith by enrolling in autodebit, and the delinquencies occurred solely because Nelnet failed to activate the service. \nI am requesting that Nelnet : 1. <em>Conduct</em> a full <em>audit</em> of my autodebit enrollment and <em>payment</em> <em>history</em>.\n\n2. Confirm the date I submitted my autodebit request ( XX/XX/XXXX ). \n3. Confirm the date Nelnet activated autodebit ( XX/XX/XXXX ). \n4."]},"sort":[16.406086,"22202035"]},{"_index":"complaint-public-v1","_id":"17268122","_score":16.279778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting a full reinvestigation and source-level verification from the furnisher under FCRA 623 ( a ) ( 1 ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( b ). The information being furnished about my account shows discrepancies and appears inconsistent across reporting cycles and/or across different credit bureaus. I am requesting that the furnisher conduct a reasonable investigation, verify all information they are reporting, and respond to the CFPB with the documentation supporting each verified fact.\n\nLEGAL REQUIREMENTS Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher must ensure maximum possible accuracy and may not report information it can not fully substantiate.\n\nUnder FCRA 623 ( b ) ( 1 ) ( A ) ( E ), the furnisher is required to : conduct a reasonable investigation review all relevant information verify the accuracy and completeness of what is being furnished correct or delete anything that can not be fully verified CFPB XXXX XXXX ( Furnisher Accuracy and Integrity ) requires furnishers to maintain and be able to produce the original records supporting what they report, including itemization, payment history, dates, account status, and documents used in verification. \n\nThe XXXX XXXX XXXX  standards also require furnishers to ensure accuracy, completeness, and consistency across all bureaus, and prohibit contradictory dates, balances, or payment histories. \n\nDOCUMENTATION REQUIRED FOR VERIFICATION To verify this account, the furnisher must be able to produce the following categories of documentation : 1. Identity & Origination Records original application or digital application file signature or e-signature audit logs ID verification used address/phone/email used at opening 2. Contract & Liability Records signed cardmember/loan agreement governing terms and any amendments 3. Itemized Balance Records complete accounting ledger showing principal, interest, fees, credits, and charge-off calculations 4. Payment History Records each months payment status transaction-level entries showing dates and amounts 5. DOFD Documentation records showing the original Date of First Delinquency and delinquency aging required under FCRA 623 ( a ) ( 5 ) 6. Account Terms & Conditions interest rate schedules fee schedules charge-off policies 7. Method of Investigation ( MOI ) documentation showing what data was reviewed which systems or records were accessed how the investigation was conducted 8. Cross-Bureau Accuracy proof that the information furnished to XXXX, XXXX, and XXXX  is consistent and supported by the system-of-record SUMMARY If any single verification element can not be supported with source-level records, the information is incomplete or inaccurate under FCRA and must be corrected or deleted. I am requesting that the furnisher verify each item they are reporting and respond to the CFPB with the supporting documentation.","date_sent_to_company":"2025-11-16T02:16:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02138","tags":null,"has_narrative":true,"complaint_id":"17268122","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-11-16T02:12:53.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Under FCRA 623 ( b ) ( 1 ) ( A ) ( E ), the furnisher is required to : <em>conduct</em> a reasonable investigation review all relevant information verify the accuracy and <em>completeness</em> of what is being furnished correct or delete anything that can not be fully verified CFPB XXXX XXXX ( Furnisher Accuracy and Integrity ) requires furnishers to maintain and be able to produce the original records supporting what they report, including itemization, <em>payment</em> <em>history</em>, dates, account status, and documents used in"]},"sort":[16.279778,"17268122"]},{"_index":"complaint-public-v1","_id":"11338594","_score":16.253618,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB and Goldman Sachs Bank USA, Thank you for the response regarding my complaint. However, I respectfully disagree with the findings and conclusions presented in the investigation. Several issues remain unresolved, and additional information is necessary to clarify the matter. \n\nKey Points of Dispute : Dispute of Reporting Accuracy and Request for XXXX XXXX : I assert that the reporting of my account contains inaccuracies related to payment history, the date of the last payment, and the date of first delinquency. \nTo ensure transparency and compliance with the Fair Credit Reporting Act ( FCRA ), I formally request a complete XXXX XXXX of my consumer file. This includes all communications, updates, and investigations conducted by the Bank and provided to credit reporting agencies. \nLegal Obligation to Perform a Reasonable Investigation : Under the FCRA ( 15 U.S.C. 1681s-2 ( b ) ), furnishers of information have a duty to conduct a reasonable investigation when a consumer disputes information. Case law supports that merely verifying information without considering evidence provided by the consumer does not satisfy this obligation. See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Furnishers must conduct a reasonable investigation to ensure the accuracy of the information. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Creditors can not blindly rely on internal records when those records contain errors, as this constitutes negligence under the FCRA. \nGoldman Sachs Banks response does not provide evidence of such a thorough investigation. \nFailure to Validate Specific Disputed Information : The Bank has not addressed the central issue of inaccurate reporting of payment history, last payment date, and date of first delinquency. Stating that the account was reported accurately without addressing specific inaccuracies violates FCRA obligations. \nHarm to Creditworthiness : The inaccurate reporting has caused significant harm to my creditworthiness and resulted in denial of financial opportunities. \nResolution Sought : To resolve this matter, I request the following actions : Audit Trail : Provide a detailed audit trail showing the process and findings of the Banks investigation into my dispute, including all records of communication with consumer reporting agencies. \nCorrection of Errors : Address and correct the inaccuracies in my credit reporting, including payment history, dates of delinquency, and charge-off status. \nDetailed Explanation : Supply a detailed explanation of the methodology and steps used during the investigation of my dispute, including any external verification conducted. \nCase Law Supporting My Claims : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Establishes that furnishers of credit information must perform reasonable investigations and can not rely solely on internal records. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Indicates that reliance on inaccurate internal records constitutes negligence. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Confirms that furnishers must correct inaccurate information or mark it as disputed in a consumers credit report. \nIf these actions are not promptly taken, I will have no choice but to escalate this matter further, including seeking relief through federal court under the FCRA and other applicable laws. \n\nThank you for your time and attention. I look forward to your prompt response and resolution. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-12-31T17:38:40.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"78744","tags":null,"has_narrative":true,"complaint_id":"11338594","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-12-31T17:27:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Key Points of Dispute : Dispute of Reporting Accuracy and Request for XXXX XXXX : I assert that the reporting of my account contains inaccuracies related to <em>payment</em> <em>history</em>, the date of the last <em>payment</em>, and the date of first delinquency. \nTo ensure transparency and compliance with the Fair Credit Reporting Act ( FCRA ), I formally request a <em>complete</em> XXXX XXXX of my consumer file."]},"sort":[16.253618,"11338594"]},{"_index":"complaint-public-v1","_id":"2028658","_score":16.160389,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX XXXX, GA XXXX Director XXXX Consumer Financial Protection Bureau XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX Dear XXXX ; Please allow me to introduce myself. My name is XXXX XXXX. I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as being XXXX of the XXXX based in XXXX. \n\nI invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to a XXXX in XXXX. I am XXXX today. \n\nI believe that I was defrauded by XXXX at the time of my mortgage origination. \n\nAn uneconomic and irrational payment structure. \nMy mortgage principal and interest is less than my monthly property taxes and insurance. \nAfter a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. \nMy Principal Balance today, XXXX, after 16 years is higher than it was in XXXX. \n\nReccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. \n\nPlease assist me in receiving a debt \" cram down '' valuation base of my history for the mortgages. For example, my total payment from XXXX to XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt. \n\nThank You. \n\nSincerely, XXXX XXXX SPS ACCOUNT XXXX XXXX XXXX XXXX AMOUNT PRINCIPAL {$760000.00} DEFERRED {$140000.00} PRINCIPAL {$900000.00} MONTHLY PMT PRINCIPAL {$1100.00} INTEREST RATE {$1200.00} {$2400.00} ESCROW {$2500.00} TAXES INSURANCE","date_sent_to_company":"2016-07-25T23:38:54.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"30319","tags":"Older American","has_narrative":true,"complaint_id":"2028658","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2016-07-25T23:38:53.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Reccomendation Please <em>conduct</em> and <em>audit</em> and analysis of my mortgage modification and <em>complete</em> <em>history</em> with XXXX, XXXX and SPS. \n\nPlease assist me in receiving a debt \" cram down '' valuation base of my <em>history</em> for the mortgages. For example, my total <em>payment</em> from XXXX to XXXX approximates my original principal debt or {$990000.00} in <em>payments</em> vs. XXXX in original debt. \n\nThank You."]},"sort":[16.160389,"2028658"]},{"_index":"complaint-public-v1","_id":"18310948","_score":15.98576,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Innovis Consumer Assistance for violations of the Fair Credit Reporting Act ( FCRA ) and CFPB Regulation V related to inaccurate, misleading, and non-compliant credit reporting.\n\nI disputed multiple accounts on my Innovis consumer credit report after conducting a detailed compliance audit. The accounts in question are not reporting with maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and can not be verified as accurate and complete under 15 U.S.C. 1681i. \n\nSpecifically, Innovis is reporting accounts that exhibit the following violations : Charge-off accounts reported with ongoing monthly payment histories and active delinquency indicators, which is prohibited under XXXX XXXX XXXX reporting standards Balances exceeding original credit limits without contractual disclosure or accounting explanation Conflicting charge-off amounts and incomplete account histories Missing or unverifiable Date of First Delinquency ( DOFD ) information, creating a risk of unlawful re-aging Continued reporting updates during and after disputes without evidence of a reasonable investigation Improper dispute handling, including closing disputes without correcting or deleting materially misleading information These reporting practices render the accounts misleading even if some data points may be technically accurate. Courts have consistently held that misleading credit reporting violates the FCRAs accuracy requirements. \n\nDespite my formal written dispute and supporting documentation, Innovis has failed to demonstrate that it conducted a reasonable investigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) and CFPB Regulation V, which requires review of underlying account-level documentation rather than reliance on automated verification systems.\n\nUnder 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified as accurate and complete must be deleted. Correction is not an acceptable remedy where the reporting is structurally non-compliant with XXXX XXXX standards and federal law.","date_sent_to_company":"2025-12-27T02:30:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76006","tags":null,"has_narrative":true,"complaint_id":"18310948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-12-27T02:19:19.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I disputed multiple accounts on my Innovis consumer credit report after <em>conducting</em> a detailed compliance <em>audit</em>. The accounts in question are not reporting with maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and can not be verified as accurate and <em>complete</em> under 15 U.S.C. 1681i."]},"sort":[15.98576,"18310948"]},{"_index":"complaint-public-v1","_id":"5304944","_score":15.957733,"_source":{"product":"Debt collection","complaint_what_happened":"Please review the remedies sought from the XXXX XXXX XXXX and the lawsuit filed against me XX/XX/XXXX. \n\nPlease review the lien that has been recorded XX/XX/XXXX. \n\nI dispute these frivolous and retaliated claims. \n\nTo date Habitat for XXXX XXXX XXXX XXXX has failed to o provide detailed payment history. Failed to credit and post all payments sent. On XX/XX/XXXX I received a postmarked XX/XX/XXXX for a letter dated XX/XX/XXXX from Habitat for XXXX XXXX XXXX XXXX regarding a 60 % unnoticed HOA assessment increase has been imposed for the community. The letter stated that I was to pay XXXX. I did. XX/XX/XXXX I made this payment separate from my mortgage payment and listed that in memo of check. Habitat for XXXX has solely given the audit for XX/XX/XXXX. I did not and have not received the audit from XX/XX/XXXX and request confirmation of mailing from the office. as I can provide every mailing through priority mail tracking. \n\nClosed CFPB complaint XX/XX/XXXX Called XXXX XXXX XXXX who is the Attorney for XXXX XXXX XXXX XXXX and the debt collection issues filed against me XX/XX/XXXX to inquire of the balance due. This attorney states he is a debt collector attempting to collect a debt. I simply ask for the balance. He refuses to give me the balance due to representation. I state that Im not receiving the documents and past due balances as he states or has sent to representation asked to contact. I dont see any official balance due on the legal lawsuit or lien XXXX \n\nSo that I have this totally accurate, Im being sued for CCR violation that is misleading and vague and contradicts it legality. Not to mention, I now have a lien affixed to my real property record from a debt collector/attorney who refuses to explain or list what I exactly owe.? Not to mention the games my mortgage lender is playing with my RESPA account analysis and lack of explanation of missing funds already paid. Last payment to Mortgage was XX/XX/XXXX with overpayment. \n\nMy notice of XXXX sent today XX/XX/XXXX is attached for review as well. \n\nTo : Habitat for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I am writing to request correction of the error ( s ) described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX Tx XXXX I am requesting full homeowner mortgage payment history from XX/XX/XXXX through XX/XX/XXXX. Please include disbursement amounts into principal and escrow. \nPlease provide all disbursements and their paid history in itemized format from XX/XX/XXXX through XX/XX/XXXX. \n\n\nPayment Errors : Your company rejected the full payment Of XXXX made on XX/XX/XXXX. This payment was a refund issued by a cancelled insurance payment. Your company endorsed this check XX/XX/XXXX. Your company did not confirm payment until XX/XX/XXXX after XX/XX/XXXX Audit sent out. \n\nYour company has failed to provide a written receipt of Insurance payment from XXXX XXXX XXXX XXXX from a cancelled policy payment the year prior. XXXX You failed to respond to my written request for payment confirmation XX/XX/XXXX. \n\nYour company failed to appropriately credit the payment ( s ) made for the following date ( s ) XX/XX/XXXX through XX/XX/XXXX to both escrow and principal account as directed. \n\nYour company failed to provide ALL payment history and disbursements made from XX/XX/XXXX to XX/XX/XXXX from escrow account during audit review requested prior. \n\nPayments sent via priority mail : XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX, XXXX check # XXXX XX/XX/XXXX check # XXXX XX/XX/XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX XX/XX/XXXX XXXX check # XXXX Cashiers check paid in person to XXXX XX/XX/XXXX XXXX # XXXX replaced check # XXXX sent priority mail. \n\n\nPayments sent via bank draft XX/XX/XXXX check # XXXX for HOA community increase 60 % fee. \n\nEscrow Errors : On XX/XX/XXXX I received the annual escrow audit two months past due and filled with errors. The monthly payment column was off with the payment {$390.00} and not the accurate payment of {$410.00} resulting in a negative deficiency of my paid escrow funds. \n\nThe previous years audit XXXX will also shout this same pattern. \n\nYour company did not properly credit the payment that I made on XX/XX/XXXX in the amount of XXXX This payment should have been credited to : XXXX XXXX escrow account. \n\nI requested in person meeting. During that ZOOM meeting with XXXX XXXX and XXXX XXXX XX/XX/XXXX you gave no documents. Your company assured that the matter would be corrected and sent timely for XX/XX/XXXX payment due. \n\nOn XX/XX/XXXX I contacted this office to inform them that I had not received my audit as originally told. I was told by XXXX XXXX the completed audit was sent XX/XX/XXXX via mail. \n\nI have not received such document. Please provide mailing details of your action. \n\nOn XX/XX/XXXX I sent another email to follow up and request the audit to be sent via email with attachments. \n\nOn XX/XX/XXXX I received a response from this XXXX XXXX for an audit completed XX/XX/XXXX. Again this audit is filled with errors. It does not credit my payments appropriately. This company is extending dates for audits and not appropriately crediting the audit years paid. This is causing inaccurate payment dates and amounts paid. This is causing a deficit and miscalculation of ACTUAL PAID AMOUNTS. \n\n\nI believe that I am entitled to a return of paid and misallocated funds in my escrow account and principal account.My escrow account is deficit over {$2000.00}. You have not been able to provide any written explanation of these missing funds. Per my records. My principal account payoff date is incorrect. Per my records. \n\nPrevious Annual review actions not corrected : On XX/XX/XXXX this company conducted a second review as I disagreed with my XXXX audit. The column again does not reflect actual payments to escrow account resulting in deficit. \n\nIf you need to contact me, I can be reached in WRITING only at : Please provide your acknowledgment and any corresponding documents with CMRR to ensure I have received. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Mortgage Holder to XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2022-03-10T08:01:27.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"77066","tags":null,"has_narrative":true,"complaint_id":"5304944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HABITAT FOR HUMANITY INTERNATIONAL, INC.","date_received":"2022-03-10T01:39:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["Your company failed to provide ALL <em>payment</em> <em>history</em> and disbursements made from XX/XX/XXXX to XX/XX/XXXX from escrow account during <em>audit</em> review requested prior."]},"sort":[15.957733,"5304944"]},{"_index":"complaint-public-v1","_id":"21977445","_score":15.949812,"_source":{"product":"Student loan","complaint_what_happened":"My federal student loans were originally serviced by Great Lakes. At some point, Nelnet took over as my loan servicer. After the transfer, I discovered that Nelnet had split what was previously a single consolidated loan into multiple smaller loans.\n\nThis restructuring caused my account to accrue significantly more interest than it should have. Instead of one loan balance with one interest calculation, my account now shows several smaller loans each accumulating separate interest. I did not request this restructuring, and I do not agree with the excess interest charges that resulted from it.\n\nWhen I contacted Nelnet by phone to ask why my loan was divided and why interest increased, the representative could not provide a clear explanation. No corrective action was taken.\n\nI requested a complete payment history, a breakdown of interest calculations on each split loan, my original promissory note, and documentation justifying the restructuring. Nelnet did not provide the information needed to resolve this issue.\n\nI want the excess interest caused by the improper splitting removed from my account. I want my loan restored to its correct status as it was before Nelnet restructured it. I also want a complete accounting of how every payment has been applied since Nelnet took over servicing.\n\nI am aware that Nelnet has been subject to lawsuits and federal audits regarding improper loan servicing practices, including manipulating loan structures to generate excess interest and subsidies. My experience appears consistent with this pattern of conduct.","date_sent_to_company":"2026-05-07T15:57:49.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"21977445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-05-07T15:41:40.000Z","state":"GA","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["I also want a <em>complete</em> accounting of how every <em>payment</em> has been applied since Nelnet took over servicing.\n\nI am aware that Nelnet has been subject to lawsuits and federal <em>audits</em> regarding improper loan servicing practices, including manipulating loan structures to generate excess interest and subsidies. My experience appears consistent with this pattern of <em>conduct</em>."]},"sort":[15.949812,"21977445"]},{"_index":"complaint-public-v1","_id":"13724360","_score":15.705631,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint against Nissan Motor Acceptance Company ( NMAC ) due to its repeated failure to report accurate payment history and to properly investigate the errors I've identified through multiple dispute attempts.\n\nDespite my ongoing efforts to correct these inaccuracies, Nissan continues to report erroneous and non-compliant information regarding my account. My main concerns are as follows : Use of No Data despite payment activity : For multiple months where payments were made, Nissan has reported no data. This creates an incomplete and misleading history.\n\nMissing or skipped payment activity : Certain months where payments were made are completely missing from the record.\n\nFailure to update reporting date : Although Nissan has responded to disputes by stating that an investigation was conducted, the \" Date of Last Update '' field remains unchanged, which contradicts any claim of a reinvestigation. \n\nInaccurate sequence of late payments : There are inconsistencies in how late payments are reported, such as 306090120 day delinquencies not aligning with actual payment activity or timeline. \n\nIncorrect late payments : Payments were marked late even though they were not 30 days past due, violating credit reporting guidelines. \n\nGreater-than-required payments not reflected : In many months, I paid more than the minimum amount due, yet Nissan continues to inaccurately reflect the scheduled amount only.\n\nMultiple payments per month not reported : When I made more than one payment in a month, only one payment appears in the tradeline, minimizing the completeness and accuracy of the data. \n\nIn response to my previous dispute, Nissan provided a copy of the auto finance contract. However, in XXXX XXXX XXXX XXXX, the court made it clear that furnishing a copy of the original agreement or billing statements does not constitute a reasonable investigation of a consumers dispute regarding payment history. \n\nTo comply with the Fair Credit Reporting Act ( FCRA ) and conduct a reasonable investigation, Nissan would have needed to provide or reference the following : Internal payment transaction logs showing all posted payments, dates received, and amounts Account servicing notes from customer service or collections to verify communications or adjustments Banking records or payment remittance data ( ACH, check images, or card transaction IDs ) confirming when and how payments were received Timestamped audit trails showing how each dispute was processed and who reviewed the account A review of misapplied or double-applied payments, if applicable An updated and verifiable investigation report with justification for each reported late or missing payment The absence of these materials indicates that Nissan has not met the standard of a lawful or reasonable investigation as required under 15 U.S. Code 1681i. \n\nI am requesting that the CFPB conduct a formal investigation into NMACs dispute handling practices, inaccurate furnishing, and failure to properly update or correct my account. These continued reporting errors have caused harm to my creditworthiness and financial standing. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-05-26T13:09:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19013","tags":null,"has_narrative":true,"complaint_id":"13724360","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2025-05-26T12:50:18.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["To comply with the Fair Credit Reporting Act ( FCRA ) and <em>conduct</em> a reasonable investigation, Nissan would have needed to provide or reference the following : Internal <em>payment</em> transaction logs showing all posted <em>payments</em>, dates received, and amounts Account servicing notes from customer service or collections to verify communications or adjustments Banking records or <em>payment</em> remittance data ( ACH, check images, or card transaction IDs ) confirming when and how <em>payments</em> were received Timestamped <em>audit</em>"]},"sort":[15.705631,"13724360"]},{"_index":"complaint-public-v1","_id":"18131224","_score":15.532887,"_source":{"product":"Student loan","complaint_what_happened":"I am reporting serious servicing errors and misconduct related to my federal XXXX loan account that have made it impossible for me to reliably repay or trust the accuracy of my loan. \n\nMy account contains incorrect personal identifying information, specifically a Social Security number that does not match mine, which raises significant concerns about data integrity and the accuracy of all balances, payments, and records associated with this loan. \n\nIn addition, my loan has been rewritten or modified without my knowledge, consent, or authorization. Repayment terms, balances, and payment information appear to have changed without explanation, documentation, or approval. As a result, balances and payment amounts are incorrect, and I can not verify what I truly owe. \n\nI have been attempting to resolve these issues with my loan servicer since XX/XX/year>, but despite repeated contacts, the servicer continues to state that an account specialist will reach out. No such contact has occurred, and no meaningful investigation or correction has been completed. \n\nBecause my account contains incorrect Social Security information, unauthorized loan modifications, and unresolved balance discrepancies, I do not have confidence that any amount being requested is accurate or valid. I can not reasonably be expected to repay a loan when the underlying account data is demonstrably incorrect and has not been properly investigated or corrected. \n\nI am requesting immediate intervention to : Correct all personal identifying information on my account Reverse any unauthorized loan modifications Conduct a full audit of balances and payment history Provide written confirmation of accurate and corrected loan terms Until these errors are resolved, the account remains unreliable and disputed.","date_sent_to_company":"2025-12-18T03:19:30.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"54729","tags":null,"has_narrative":true,"complaint_id":"18131224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-12-18T03:14:25.000Z","state":"WI","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I am requesting immediate intervention to : Correct all personal identifying information on my account Reverse any unauthorized loan modifications <em>Conduct</em> a full <em>audit</em> of balances and <em>payment</em> <em>history</em> Provide written confirmation of accurate and corrected loan terms Until these errors are resolved, the account remains unreliable and disputed."]},"sort":[15.532887,"18131224"]},{"_index":"complaint-public-v1","_id":"17962837","_score":15.508486,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX Rent/Utility/Loan Reporting Account XXXX is reporting the account XXXX Negative Reporting inaccurately and without providing required documentation. I disputed this account, and XXXX did not provide any supporting records, including the signed agreement, reported tradeline history, transactional records, payment data, internal logs, or Method of Verification. The reporting is inconsistent across bureaus, violating FCRA section 607 ( b ). By failing to provide validation, XXXX violated section 611 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 6 ), and section 611 ( a ) ( 7 ). XXXX also violated section 623 ( b ) ( 1 ) ( A ) and section 623 ( b ) ( 1 ) ( D ) because it did not conduct a reasonable investigation upon receiving notice of dispute. Under governing case law including XXXX v. TransUnion and XXXX v. Equifax, unverifiable information may not remain on a consumer report. \n\n\nI requested the complete method of verification, including all documents required under FCRA 611 ( a ) ( 2 ) and 611 ( a ) ( 7 ), investigation logs, XXXX audit trail, source data used to verify accuracy, permissible purpose documentation for all inquiries under FCRA 604 ( a ), full account-level documentation under FCRA 623 ( a ) ( 1 ) ( A ), and all records substantiating the reporting, including contracts, payment history, repo notes, and any documents used to verify the information they are furnishing.","date_sent_to_company":"2025-11-29T05:34:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29650","tags":null,"has_narrative":true,"complaint_id":"17962837","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial 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