{"took":71,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":553,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4848728","_score":18.212914,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, I have submitted a previous complaint with Equifax on XX/XX/XXXX, the complaint ID was XXXX and is incorrectly marked as closed. \n\nThey responded saying they had mixed reports for my information and needed me to mail more information to them. \n\nI then sent them printed copies of all my information and sent them over with a printout of the report and still have not heard back from them. They also marked the case as closed when it was supposed to still be open. I have paid and checked my credit report and the problem still persists 53 days since I filed the first report. \n\nMy issue with this is that the other credit bureaus, that had the same error on the credit report, we're able to correct it without needing me to send more information. I sent them all the same details and they all had the same information on me from their end. After sending Equifax the information they requested, they still have failed to contact me back on the status of this issue and when it would be resolved or failed to correct my statement when they said the case was closed. \n\nI don't think they realize that this false claim on my credit report is hurting my score by XXXX points. \nIt is a very serious issue and I really hope it wasn't lost in the mail. Furthermore, both other credit bureaus were able to remove the false claim on my report without any question or difficulty. \n\nI believe that they used this response method ( that I needed to send more information ) to get out of actually fixing the error and then claim that they resolved the issue in order to get out of getting in trouble with CFPB. \n\nIt has been well over 30 days since I filed the initial report and sent the mail of my \" needed extra information '' in priority shipment. The other reports all got the false inquiry removed on XX/XX/XXXX exactly one month after submitting my complaint. \n\nI still can't apply for any credit or anything else that needs credit approval until this false derogatory remark gets removed. \n\nIf you could please help me with getting this moved along and actually resolved that would be a huge blessing.","date_sent_to_company":"2021-10-27T17:47:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"372XX","tags":null,"has_narrative":true,"complaint_id":"4848728","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-10-27T17:16:00.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>have</em> paid and checked my credit report and the problem still persists 53 days since I filed the first report. \n\nMy issue with this is that the other credit bureaus, that had the same <em>error</em> on the credit report, we're able to correct it without <em>needing</em> me to <em>send</em> more information. I <em>sent</em> <em>them</em> all the same details and they all had the same information on me from their end."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[18.212914,"4848728"]},{"_index":"complaint-public-v1","_id":"6636251","_score":17.810892,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are numerous amounts of errors on my XXXX, XXXX, and Experian consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well. \n\nI was also a victim of the data breach. I have sent XXXX Experian a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. \n\nWhat I need from XXXX, XXXX, and Experian is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.","date_sent_to_company":"2023-03-01T15:22:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48237","tags":null,"has_narrative":true,"complaint_id":"6636251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-01T15:22:34.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>sent</em> XXXX Experian a dispute letter <em>along</em> with two forms of identification including a copy of my Driver 's license and my Social Security Number. They <em>sent</em> me a letter back requesting me to <em>send</em> in what I <em>have</em> already included. They are clearly playing games. \n\nWhat I <em>need</em> from XXXX, XXXX, and Experian is for <em>them</em> to remove any and all violations. As well as <em>send</em> me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer."]},"sort":[17.810892,"6636251"]},{"_index":"complaint-public-v1","_id":"6636252","_score":17.798203,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are numerous amounts of errors on my XXXX, Transunion, and XXXX consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well.\n\nI was also a victim of the data breach. I have sent XXXX/Transunion/ XXXX a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. \n\nWhat I need from XXXX, Transunion, and XXXX is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.","date_sent_to_company":"2023-03-01T15:22:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48237","tags":null,"has_narrative":true,"complaint_id":"6636252","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-01T15:22:34.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>sent</em> XXXX/Transunion/ XXXX a dispute letter <em>along</em> with two forms of identification including a copy of my Driver 's license and my Social Security Number. They <em>sent</em> me a letter back requesting me to <em>send</em> in what I <em>have</em> already included. They are clearly playing games. \n\nWhat I <em>need</em> from XXXX, Transunion, and XXXX is for <em>them</em> to remove any and all violations. As well as <em>send</em> me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer."]},"sort":[17.798203,"6636252"]},{"_index":"complaint-public-v1","_id":"6636102","_score":17.798203,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are numerous amounts of errors on my Equifax, XXXX, and XXXX consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well. \n\nI was also a victim of the data breach. I have sent Equifax/XXXX/ XXXX a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. \n\nWhat I need from Equifax, XXXX, and XXXX is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.","date_sent_to_company":"2023-03-01T15:22:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48237","tags":null,"has_narrative":true,"complaint_id":"6636102","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-01T14:37:33.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>sent</em> Equifax/XXXX/ XXXX a dispute letter <em>along</em> with two forms of identification including a copy of my Driver 's license and my Social Security Number. They <em>sent</em> me a letter back requesting me to <em>send</em> in what I <em>have</em> already included. They are clearly playing games. \n\nWhat I <em>need</em> from Equifax, XXXX, and XXXX is for <em>them</em> to remove any and all violations. As well as <em>send</em> me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer."]},"sort":[17.798203,"6636102"]},{"_index":"complaint-public-v1","_id":"14776393","_score":17.635422,"_source":{"product":"Mortgage","complaint_what_happened":"Fay requested information they need in order to answer letter of error. Fay expressed that im not on the note. I am on the deed and mortgage. I found the documents in my original mortgage. I could not locate the note, however I did locate the note in forclosure papers and, lucky for me, Fays lawyers were nice enough to add me to that note without my knowledge. \nI sent those papers along with 3 years of taxes I paid and another copy of my letter or error I sent in XX/XX/year>. \nThey recieved the documents they asked for on XX/XX/XXXX. I haven't heard anything after XXXX weeks. \nMy dead husband recieved a notice from them about how they put flood insurance on the property. I sent them proof of insurance in XX/XX/year> and again on XX/XX/XXXX. Im still being charged over well XXXX more than what my fixed rate mortgage payment is per month. They are making it unaffordable for me. Im assuming they will foreclose on me as I have to send money that does not belong to them. If I dont pay this false mortgage they will take my home. This is extortion. They recieved the documents, I offered to help with letter of error any way that I can. Fay is aware they owe me thousands from escrow but won't address it because my husband can't tell them to.","date_sent_to_company":"2025-07-21T17:07:31.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"087XX","tags":null,"has_narrative":true,"complaint_id":"14776393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fay Servicing, LLC","date_received":"2025-07-21T16:33:39.000Z","state":"NJ","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":["Fay requested information they <em>need</em> in order to answer letter of <em>error</em>. Fay expressed that im not on the note. I am on the deed and mortgage. I found the documents in my original mortgage. I could not locate the note, however I did locate the note in forclosure papers and, lucky for me, Fays lawyers were nice enough to add me to that note without my knowledge. \nI <em>sent</em> those papers <em>along</em> with 3 years of taxes I paid and another copy of my letter or <em>error</em> I <em>sent</em> in XX/XX/year>."]},"sort":[17.635422,"14776393"]},{"_index":"complaint-public-v1","_id":"2676416","_score":17.468555,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I bought my credit report on XX/XX/XXXX from TransUnion. There were numerous errors. One debt, the same debt, was reported more than 7 times on my credit report.\nI asked for TransUnion ( TU ) to correct the errors and validate debts that were not mine. The letter was sent on XX/XX/XXXX via Certified Mail. I sent the credit report, proof that the debt was singular and not duplicitous, along with my i.d . and a pay stub for id.\nTU failed to contact me within 5 days to acknowledge my request.\nTU then sent me letters with the wrong name, with a statement that I needed to send additional information to request a free credit report. I NEVER REQUESTED A FREE REPORT SINCE I BOUGHT ONE FROM THEIR WEBSITE!\nI sent another letter to TU, via Certified Mail, informing them that I demanded that they delete the duplicate debts, validate those debts that were not mine, and fix the errors listed in my credit report.\nThey responded to me with the wrong name and stated that TU did n't recognize my credit report or could n't find it, that I need to submit a better form of id ... to get my FREE CREDIT REPORT!\nThey did not validate my debt, delete duplicitous debts, or fix errors listed in my credit report within 30 days. TU continued to report the debt, failed to give notice the debt was in dispute, and failed to take any actions at all.\nAll letters have been electronically sent via Certified Mail, with proof, and are still in electronic form.","date_sent_to_company":"2017-09-17T18:40:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94541","tags":null,"has_narrative":true,"complaint_id":"2676416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-09-17T18:11:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["TU then <em>sent</em> me letters with the wrong name, with a statement that I <em>needed</em> to <em>send</em> additional information to request a free credit report. I NEVER REQUESTED A FREE REPORT SINCE I BOUGHT ONE FROM THEIR WEBSITE!\nI <em>sent</em> another letter to TU, via Certified Mail, informing <em>them</em> that I demanded that they delete the duplicate debts, validate those debts that were not mine, and fix the <em>errors</em> listed in my credit report."]},"sort":[17.468555,"2676416"]},{"_index":"complaint-public-v1","_id":"3068725","_score":17.277998,"_source":{"product":"Mortgage","complaint_what_happened":"In reference to the previous complaint ACCOUNT INFO LOAN NUMBER : XXXX CASE NUMBER : XXXX REFERENCE : XXXX Mr. Cooper has now tried to steal the {$130.00} from me that they overpaid to HUD for PMI. \n\nAs noted in my previous complaint, Mr. Cooper overpaid HUD by sending them a payment for PMI for XX/XX/2018 that had previously been paid by my previous mortgage company XXXX XXXX XXXX XXXX. As noted in a letter sent by Mr. Cooper on XX/XX/2018 in response to that complaint, they acknowledged that they made said error along with an erroneous payment to my insurance company. \nFast forward to today, XX/XX/2018, and Mr. Cooper has sent me an escrow analysis claiming that I am short by {$130.00} and that I need to pay the shortage or have my monthly mortgage payment increased to cover the shortage. \n\nThis is obvious fraud, as the shortage is caused by their taking MY money out of escrow and sending it to HUD erroneously. It is not MY responsibility to cover a shortage that they made. I paid my money correctly, they mismanaged it.","date_sent_to_company":"2018-11-07T22:46:01.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"22601","tags":null,"has_narrative":true,"complaint_id":"3068725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2018-11-07T22:39:42.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Cooper overpaid HUD by <em>sending</em> <em>them</em> a payment for PMI for XX/XX/2018 that had previously been paid by my previous mortgage company XXXX XXXX XXXX XXXX. As noted in a letter <em>sent</em> by Mr. Cooper on XX/XX/2018 in response to that complaint, they acknowledged that they made said <em>error</em> <em>along</em> with an erroneous payment to my insurance company. \nFast forward to today, XX/XX/2018, and Mr."]},"sort":[17.277998,"3068725"]},{"_index":"complaint-public-v1","_id":"3312870","_score":17.106245,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There was an error with a account that was accidentally disputed in error. XXXX XXXX Credit Card Services was not suppose to be disputed or deleted from my credit file with Equifax, XXXX or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the XXXX XXXX Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the XXXX XXXX customer service XXXX on XX/XX/2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company XXXX XXXX, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted XXXX XXXX Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted XXXX XXXX, verified the account with the authorized user to customer service representative and authorized XXXX XXXX to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving this.","date_sent_to_company":"2019-07-20T05:09:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33157","tags":null,"has_narrative":true,"complaint_id":"3312870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-20T05:09:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["There was an <em>error</em> with a account that was accidentally disputed in <em>error</em>. XXXX XXXX Credit Card Services was not suppose to be disputed or deleted from my credit file with Equifax, XXXX or XXXX. The account stated above is accurate and in good standing. So there is no <em>need</em> for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they <em>sent</em> a request to <em>have</em> this account deleted from all 3 credit bureaus."]},"sort":[17.106245,"3312870"]},{"_index":"complaint-public-v1","_id":"3313143","_score":17.097734,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There was an error with a account that was accidentally disputed in error. XXXX XXXX Credit Card Services was not suppose to be disputed or deleted from my credit file with XXXX, Transunion or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the XXXX XXXX Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the XXXX XXXX customer service center on XX/XX/2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company XXXX XXXX, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted XXXX XXXX Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted XXXX XXXX, verified the account with the authorized user to customer service representative and authorized XXXX XXXX to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving this.","date_sent_to_company":"2019-07-20T05:09:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33157","tags":null,"has_narrative":true,"complaint_id":"3313143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-07-20T05:09:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["There was an <em>error</em> with a account that was accidentally disputed in <em>error</em>. XXXX XXXX Credit Card Services was not suppose to be disputed or deleted from my credit file with XXXX, Transunion or XXXX. The account stated above is accurate and in good standing. So there is no <em>need</em> for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they <em>sent</em> a request to <em>have</em> this account deleted from all 3 credit bureaus."]},"sort":[17.097734,"3313143"]},{"_index":"complaint-public-v1","_id":"3312977","_score":17.097734,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There was an error with a account that was accidentally disputed in error. Home Depot Credit Card Services was not suppose to be disputed or deleted from my credit file with XXXX, XXXX or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the Home Depot Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the Home Depot customer service center on XXXX, 2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company Home Depot, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted Home Depot Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted Home Depot, verified the account with the authorized user to customer service representative and authorized Home Depot to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving this.","date_sent_to_company":"2019-07-20T05:09:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33157","tags":null,"has_narrative":true,"complaint_id":"3312977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-07-20T04:26:30.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["There was an <em>error</em> with a account that was accidentally disputed in <em>error</em>. Home Depot Credit Card Services was not suppose to be disputed or deleted from my credit file with XXXX, XXXX or XXXX. The account stated above is accurate and in good standing. So there is no <em>need</em> for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they <em>sent</em> a request to <em>have</em> this account deleted from all 3 credit bureaus."]},"sort":[17.097734,"3312977"]},{"_index":"complaint-public-v1","_id":"3413901","_score":17.086706,"_source":{"product":"Student loan","complaint_what_happened":"I have been trying to apply for the XXXX Forgiveness Grant Application that Navient offers. I have filled out and sent in on 5 different occasions their form for requesting the grant. Each time it was denied I would call up and fix the error they said I had made, and then resend it in just to find out that another error was \" noticed '' on it and then had to refill out and send in the form again. On XX/XX/XXXX I sent in what I had hope would be my 6th and final form. I did NOT get a denied letter this time so I assumed it went through. 2 months have passed and I didn't receive anything from them, so I called them today ( XX/XX/XXXX ) to see how my application is coming along. The representative told me that it was never sent and that they already told me it was denied. After arguing with her she then apologized and said that I was right I didn't get a notification, but I still needed to fix my form FOR A 6TH TIME. I told her I wanted to speak to her manager or another representative. I was transferred and she, again, confirmed that I was right and they did not inform me that my application that I sent in XXXX was denied. I then asked well can they send it in now. She said no because of section 3 on the form THEY GAVE ME and already filled in was incorrect. I needed to write \" NAVIENT '' on it not their phone number ... but I explained to them that THIS WAS THEIR FORM AND IT ALREADY HAD THEIR NUMBER ON IT, I DIDN'T DO IT. Plus if that is all then why can't they just write it in themselves? Why is it such a big deal to not send in my form to the government to get approval? I have been XXXX  for 9 years now with XXXX XXXX and all I'm asking is for that {$5000.00} dollars that they promised by filling out a simple form. Why is it becoming more of a hassle than it is? So now I have to re-fill out a new form and resubmit it and hopefully then \" accept '' it, but now I am pushed back on paying off my loans for another 3 months.","date_sent_to_company":"2019-10-22T17:45:46.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"84106","tags":null,"has_narrative":true,"complaint_id":"3413901","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-10-22T17:20:07.000Z","state":"UT","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["I <em>have</em> been trying to apply for the XXXX Forgiveness Grant Application that Navient offers. I <em>have</em> filled out and <em>sent</em> in on 5 different occasions their form for requesting the grant. Each time it was denied I would call up and fix the <em>error</em> they said I had made, and then resend it in just to find out that another <em>error</em> was \" noticed '' on it and then had to refill out and <em>send</em> in the form again. On XX/XX/XXXX I <em>sent</em> in what I had hope would be my 6th and final form."]},"sort":[17.086706,"3413901"]},{"_index":"complaint-public-v1","_id":"2103044","_score":16.722544,"_source":{"product":"Credit reporting","complaint_what_happened":"Back in XXXX XXXX, someone tried to open a XXXX credit card under my name in Arkansas and XXXX sent a copy of the credit card application to my prior address in XXXX. I have been living in XXXX XXXX since XX/XX/XXXX. My ex-roommate who still is living in XXXX called me and mailed me the copy of application. I notified XXXX and they send me a form which I filled out along with all documents they requested proving that I was n't the person who applied for their credit card. They sent that letter to all the credit reporting agencies for that hard inquiry to be removed from my credit. I filed a fraud report with all credit reporting agencies and also I placed a freeze on my credit report, however XXXX still was showing that hard inquiry on my credit. I called them and they said I need to either file a police report ( which I did but the police refused to file a report because they wont consider it as identify theft yet ) or have XXXX to send them a letter confirming the error. I called XXXX last month and they said the sent the letter to all agencies back in XX/XX/XXXX. I called XXXX again two weeks ago and stated they will resend the letter, no problem. As a today, the letter never arrived. I called Target today and this time the supervisor stated they can not resend the letter. He does n't have an explanation of why. I called back Equifax and again they said XXXX need to submit the letter. Because of this bureaucracy, at this point my credit has been lowered and I ca n't get a better deal refinancing my home.","date_sent_to_company":"2016-09-09T16:35:13.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"90046","tags":null,"has_narrative":true,"complaint_id":"2103044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-09-09T16:35:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["I called <em>them</em> and they said I <em>need</em> to either file a police report ( which I did but the police refused to file a report because they wont consider it as identify theft yet ) or <em>have</em> XXXX to <em>send</em> <em>them</em> a letter confirming the <em>error</em>. I called XXXX last month and they said the <em>sent</em> the letter to all agencies back in XX/XX/XXXX. I called XXXX again two weeks ago and stated they will resend the letter, no problem. As a today, the letter never arrived."]},"sort":[16.722544,"2103044"]},{"_index":"complaint-public-v1","_id":"3017365","_score":16.08826,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX purchased tickets for XXXX world cup through XXXX in the amount of {$1200.00} XXXX found out that XXXX has issued warnings against XXXX, declaring the merchant an unauthorized seller and warning people that they will not XXXX ticket holders into the stadium. XXXX has filed a criminal complaint in a XXXX court, declaring the tickets \" illegal '' and \" illicit '' XXXX as soon as I found out, I contacted the bank to cease the transaction and did not resell the tickets because of the illicit nature of the tickets XXXX - XX/XX/XXXX asked XXXX for refund and for them to not send me the tickets. They aggressively continued insisting and passed along my information to the sellers who contacted me personally. ( I or the airbnb host in XXXX XXXX never received the tickets. ) XX/XX/XXXX Purchased ticket through XXXX and through a friend in XXXX XX/XX/XXXX sent relevant information to bank including XXXX 's statement that it has filed a criminal complaint against XXXX. Also sent along consumer reviews in XXXX about XXXX 's shady practices as well as British gov inquiries into said practices XX/XX/XXXX Bank of America denies request without providing further information. After calling them, they said they  did not have receipt. I resend. \n\nXXXX bank says they could not identify \" billion error '' but that they would have issue a partial refund until more information from merchant XX/XX/XXXX After refund was withdrawn, I calling bank, which said that they would not accept press releases and that they need a specific letter XXXX that the specific transaction would not be authorized XXXX XXXX refuses request XXXX I reply to XXXX saying that all I need is a letter declaring their policy and that they would not have let me into the stadium with a Viagogo ticket XXXX After not getting results via phone, contacted XXXX via form again, again requesting a simple letter that they would not have me into a stadium with a ticket from XXXX. \n\nXXXX I find out through a call with the bank that the case should have been investigated through fraud, not billing error. Representative says bank will re-open XX/XX/XXXX Bank of America says that they could not find \" billing error, '' when the representative phone told me that the investigation would be one about \" fraud. '' Bank tells me it has notified  credit institutions about my complaint. \n\nXX/XX/XXXX XXXX responds with the same generic message","date_sent_to_company":"2018-09-12T18:08:04.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20010","tags":null,"has_narrative":true,"complaint_id":"3017365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-09-12T17:16:03.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Also <em>sent</em> <em>along</em> consumer reviews in XXXX about XXXX 's shady practices as well as British gov inquiries into said practices XX/XX/XXXX Bank of America denies request without providing further information. After calling <em>them</em>, they said they  did not <em>have</em> receipt. I resend."]},"sort":[16.08826,"3017365"]},{"_index":"complaint-public-v1","_id":"1756248","_score":16.065928,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX, I became XXXX and there was going to be a period of transition from XXXX payments from my employer to ssa benefits. I completed loan modification paperwork and submitted to Bank of America only to find out the paperwork was never worked ending me in bankruptcy to save my home. I completed the Chapter XXXX requirements on time XXXX. In XXXX of XXXX, Bank of America sent paperwork requesting my mortgage payment go up from {$570.00} to {$790.00}, but the courts denied the request and sent me a letter signed by Judge XXXX XXXX entered XXXX stating I am to pay {$570.00} starting XXXX to Bank of America. Since the {$790.00} was not paid per XXXX they held my payments each month until enough was in my account to cover that amount then reported me to the credit bureaus as being late from XXXX until XXXX which is wrongfully reported. I started contacting Bank of America back in XXXX to ask them where I should start sending my payments and per their records I was still in bankruptcy to send it to my trustees office. I called back again in XXXX and XXXX advising them I needed the information to send my payments and was advised they still had me reflected in bankruptcy. I utilized my XXXX XXXX online bank pay to send the payments and have a track record proving I sent my {$570.00} payments on time and I advised them that they had the wrong tax information reported on my home and that my homeowners insurance policy information was wrong. The customer service representative stated I needed to contact my attorney and then contact XXXX because my policy went from {$1400.00} to {$2300.00}. I did just that and contacted Bank of American back to advise them that they were reporting me to wrongfully and penalizing me for their wrong information as well as XXXX XXXX XXXX mistake. XXXX XXXX XXXX backdated their mistake and fixed the policy, but per XXXX and XXXX, Bank of America will not. I advised XXXX that I will not pay the {$790.00} because that is not what I was to pay and I have the paperwork from the courts to prove it. She became unprofessional and stated I can file a complaint and forward whatever documents I have, but per their records they do not have any information showing I am not longer in bankruptcy and that I owed the {$790.00}. I asked her what they did with my payments and she stated they held them until the following month and it shows I am behind {$1600.00} that is due XXXX. I advised her that Bank of America had already been sued because of this same thing they did to me and others ; now I am out of bankruptcy behind their mistake they are trying to put me back in bankruptcy which I will not happen again. I am filing a complaint against them with the credit bureaus and with Consumer Protection Agency because this is unlawful. I asked them why when I spoke to a representative in XXXX she advised me that they had made a mistake that they had XXXX accounts for me and that a letter would be sent to me stating they had reported me in error to the credit bureaus, per XXXX and XXXX no documentation of that. I received the fax number and department of where I was to send my complaint along with documentation and hung up. I tried going to a Bank of America Mortgage branch and was advised that they do not handle complaints on deal with existing accounts only new loans so I would need to speak to customer service, which I advised the receptionist this is why I am here I got no where with them. I need HELP ASAP to fight and stop them from putting me back in bankruptcy and I want the negative reporting removed from my credit, along with a letter of apology and the correct amount I am to pay so that this can stop.","date_sent_to_company":"2016-01-28T13:55:18.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"FHA mortgage","zip_code":"77053","tags":null,"has_narrative":true,"complaint_id":"1756248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-01-26T03:10:24.000Z","state":"TX","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I started contacting Bank of America back in XXXX to ask <em>them</em> where I should start <em>sending</em> my payments and per their records I was still in bankruptcy to <em>send</em> it to my trustees office. I called back again in XXXX and XXXX advising <em>them</em> I <em>needed</em> the information to <em>send</em> my payments and was advised they still had me reflected in bankruptcy."]},"sort":[16.065928,"1756248"]},{"_index":"complaint-public-v1","_id":"5157811","_score":15.680311,"_source":{"product":"Mortgage","complaint_what_happened":"1. Attached is my letter to Congressman XXXX concerning the issue, that included documentation of Wells Fargo not following through on my approved refinance of my mortgage. See below. \n\n2. XX/XX/2021 XXXX. Congressman XXXX XXXX XXXX : XXXX XXXX XXXX, District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX Dear Congressman Mfume/ XXXX XXXX XXXX This is the follow-up to our phone meeting on Tuesday, XX/XX/2021 regarding the requested assistance with the Md. Attorney Generals Office. \n\nI have been working with them to assist with having the Wells Fargo Bank make the correction in the approval of the refinance rate request which they indicate was a computer error. Over serval months they had been working on the mediation case through the XXXX XXXX, but I feared the work of the office was such that my case may not have gotten the attention it needed due to staffing issues. \n\nThe office was to have Wells Fargo Bank send a corrected refinance packet for the 2.8 % that was approved vs the 3 % they mailed me. Wells Fargo indicted I had to reapply again, when I had been approved and all they had to do was send an updated refinance packet with the 2.8 % rate to go along with their cover sheet, when they indicated they made a computer error. \n\nI am asking your intervention to get the Attorney XXXX XXXX to follow up and have the approved 2.8 % refinance packet sent to me or identify a staff attorney who can follow up on my case. \n\nI have attached XXXX documents supporting my communication challenges, with notes in the margins. \n\nI have completed the online request for assistance form. \nI am sending this FedEx rather than uploading the documents electronically, because as a retired person without the proper equipment and electronic expertise, I am somewhat challenged in this area. \n\nThank you for your assistance. \n\nSincerely yours, XXXX XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX XXXX, Md. XXXX ( Mailing address ) Attachments ( 7 ) 3 ) attached is a copy of the documentation I provided his office that was forwarded to the XXXX XXXX XXXX Of Treasury. \n\nXX/XX/2021 XXXX. Congressman XXXX XXXX XXXX : XXXX XXXX XXXX, District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX Dear Congressman XXXX/ XXXX XXXX XXXX This is the follow-up to our phone meeting on Tuesday, XX/XX/2021 regarding the requested assistance with the Md. Attorney Generals Office. \n\nI have been working with them to assist with having the Wells Fargo Bank make the correction in the approval of the refinance rate request which they indicate was a computer error. Over serval months they had been working on the mediation case through the XXXX XXXX, but I feared the work of the office was such that my case may not have gotten the attention it needed due to staffing issues. \n\nThe office was to have Wells Fargo Bank send a corrected refinance packet for the 2.8 % that was approved vs the 3 % they mailed me. Wells Fargo indicted I had to reapply again, when I had been approved and all they had to do was send an updated refinance packet with the 2.8 % rate to go along with their cover sheet, when they indicated they made a computer error.\n\nI am asking your intervention to get the Attorney Generals Office to follow up and have the approved 2.8 % refinance packet sent to me or identify a staff attorney who can follow up on my case.\n\nI have attached 7 documents supporting my communication challenges, with notes in the margins. \n\nI have completed the online request for assistance form. \nI am sending this FedEx rather than uploading the documents electronically, because as a retired person without the proper equipment and electronic expertise, I am somewhat challenged in this area. \n\nThank you for your assistance. \n\nSincerely yours, XXXX XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX XXXX, Md. XXXX ( Mailing address ) Attachments ( XXXX ) XXXX ) attached below is a copy of part of the documentation of my approval from Wells Fargo for XXXX refinance, with them not following up with the total refinance packet. \n\n\nXX/XX/2021 XXXX. Congressman XXXX XXXX XXXX : XXXX XXXX XXXX, District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX Dear Congressman Mfume/ XXXX XXXX XXXX This XXXX the follow-up to our phone meeting on Tuesday, XX/XX/2021 regarding the requested assistance with the Md. Attorney XXXX XXXX. \n\nI have been working with them to assist with having the Wells Fargo Bank make the correction in the approval of the refinance rate request which they indicate was a computer error. Over serval months they had been working on the mediation case through the XXXX XXXX, but I feared the work of the office was such that my case XXXX not have gotten the attention it needed due to staffing issues. \n\nThe office was to have Wells Fargo Bank send a corrected refinance packet for the 2.8 % that was approved vs the 3 % they mailed me. Wells Fargo indicted I had to reapply again, when I had been approved and all they had to do was send an updated refinance packet with the 2.8 % rate to go along with their cover sheet, when they indicated they made a computer error. \n\nI am asking your intervention to get the Attorney XXXX XXXX to follow up and have the approved 2.8 % refinance packet sent to me or identify a staff attorney who can follow up on my case. \n\nI have attached XXXX documents supporting my communication challenges, with notes in the margins. \n\nI have completed the online request for assistance form. \nI am sending this FedEx rather than uploading the documents electronically, because as a retired person without the proper equipment and electronic expertise, I am somewhat challenged in this area. \n\nThank you for your assistance. \n\nSincerely yours, XXXX XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX XXXX, Md. XXXX ( Mailing address ) Attachments ( XXXX ) XX/XX/2021 XXXX. Congressman XXXX XXXX XXXX : XXXX XXXX XXXX, District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX Dear Congressman Mfume/ XXXX XXXX XXXX This XXXX the follow-up to our phone meeting on Tuesday, XX/XX/2021 regarding the requested assistance with the Md. Attorney XXXX XXXX. \n\nI have been working with them to assist with having the Wells Fargo Bank make the correction in the approval of the refinance rate request which they indicate was a computer error. Over serval months they had been working on the mediation case through the XXXX XXXX, but I feared the work of the office was such that my case XXXX not have gotten the attention it needed due to staffing issues. \n\nThe office was to have Wells Fargo Bank send a corrected refinance packet for the 2.8 % that was approved vs the 3 % they mailed me. Wells Fargo indicted I had to reapply again, when I had been approved and all they had to do was send an updated refinance packet with the 2.8 % rate to go along with their cover sheet, when they indicated they made a computer error. \n\nI am asking your intervention to get the Attorney XXXX XXXX to follow up and have the approved 2.8 % refinance packet sent to me or identify a staff attorney who can follow up on my case. \n\nI have attached XXXX documents supporting my communication challenges, with notes in the margins. \n\nI have completed the online request for assistance form. \nI am sending this FedEx rather than uploading the documents electronically, because as a retired person without the proper equipment and electronic expertise, I am somewhat challenged in this area. \n\nThank you for your assistance. \n\nSincerely yours, XXXX XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX XXXX, Md. XXXX ( Mailing address ) Attachments ( XXXX ) I will attach documents below in attachments.","date_sent_to_company":"2022-01-27T20:10:43.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"21042","tags":"Older American","has_narrative":true,"complaint_id":"5157811","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-01-27T19:41:08.000Z","state":"MD","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":["I <em>have</em> been working with <em>them</em> to assist with <em>having</em> the Wells Fargo Bank make the correction in the approval of the refinance rate request which they indicate was a computer <em>error</em>. Over serval months they had been working on the mediation case through the XXXX XXXX, but I feared the work of the office was such that my case may not <em>have</em> gotten the attention it <em>needed</em> due to staffing issues."]},"sort":[15.680311,"5157811"]},{"_index":"complaint-public-v1","_id":"8046073","_score":15.48332,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/23 I was applying for new credit so I went to my equifax online account to temporarily lift the freeze I have in place. I was unable to lift the freeze online, I received an error message advising me to call customer care. I gave a call to customer care and they were unable to remove the freeze as well. After being placed on hold for several minutes they advised me that a block was placed on my file and I needed to provide personal verification documents to them via mail. This was very upsetting because why do I even have a block on my file. They was unable to provide a reason. And requesting personal information via mail puts us at risk of fraud and more. But nonetheless being that I am currently trying to purchase a home, on XX/XX/23 I sent a letter along with 3 pieces of personal identification documents, asking for the block to be removed. The mail was sent priority and received by their company on XX/XX/23. I was told to call once I sent the letter and let them know and within 4days it should be corrected. I have spoken with customer care throughout this week and they are saying they didnt receive it. Lies, because I have receipt of delivery. I am unable to purchase or apply for anything because they have a block on my Account. I am entitled to my credit report and blocking my file is against FCRA. When you havent provided a reason for the block. And once I have provided my information to you, which I have, for Verification that block should have been removed. Not to mention all the disputes I have put in online and I have provided this same information as proof over and over again so what are you doing with the documents we send in to you. I need this block removed immediately.","date_sent_to_company":"2023-12-22T13:11:50.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"344XX","tags":null,"has_narrative":true,"complaint_id":"8046073","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-22T13:02:33.000Z","state":"FL","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["And once I <em>have</em> provided my information to you, which I <em>have</em>, for Verification that block should <em>have</em> been removed. Not to mention all the disputes I <em>have</em> put in online and I <em>have</em> provided this same information as proof over and over again so what are you doing with the documents we <em>send</em> in to you. I <em>need</em> this block removed immediately."]},"sort":[15.48332,"8046073"]},{"_index":"complaint-public-v1","_id":"1374592","_score":15.434741,"_source":{"product":"Credit reporting","complaint_what_happened":"In XX/XX/XXXX, I contacted Transunion requesting that information on my credit report be updated to show the correct status. The accounts listed below were all included in my bankruptcy in XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX. These were the only accounts that I asked Transunion to update to show included in Bankruptcy. Transunion went in and updated all of that information as requested, sent me an email stating that your request is complete and XXXX month later, after the request was complete I received an email from XXXX XXXX indicating that Transunion had removed XXXX more accounts from my credit file. The XXXX that they removed were XXXX Account # XXXX which was opened XXXX, pay status : Paid or Paying as Agreed and XXXX Account # XXXX which was a joint account opened in XXXX Pay Status : Paid or Paying as Agreed. Prior to Transunion removing these XXXX positive accounts from my credit report my credit score was XXXX. After they removed these accounts my score has fallen down to a XXXX. I have contacted Transunion XXXX concerning this matter and have asked them to correct their error but they simply refuse to do so. I was told by XXXX of Transunion Reps that I had asked that those XXXX items be removed from my account and when I told them I had not and if they had proof could they send me proof that I had indeed disputed those XXXX items I was told by the rep that they could not send out that information even though it was supposedly on the letter that I sent them and during my XXXX call asking Transunion to fix the errors I was told that if I wanted proof that I would have to get a court order for them to send me a copy of the letter showing that I disputed those XXXX items. I never disputed those XXXX items because they were reporting correctly and I would not have had a reason to do so. They simply removed positive information from my credit file, demolished my credit score that was finally improving after many years of it being poor and then to add insult to injury the rep that I spoke with along with the supervisor said there was nothing they could do and if I wanted those items to be included in my credit file again I needed to contact the creditor and she hung the phone up in my face.","date_sent_to_company":"2015-05-13T01:18:42.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"31326","tags":null,"has_narrative":true,"complaint_id":"1374592","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-05-13T01:18:42.000Z","state":"GA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Problem with statement of dispute"},"highlight":{"complaint_what_happened":["I <em>have</em> contacted Transunion XXXX concerning this matter and <em>have</em> asked <em>them</em> to correct their <em>error</em> but they simply refuse to do so."]},"sort":[15.434741,"1374592"]},{"_index":"complaint-public-v1","_id":"6560097","_score":15.430596,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On the XXXX of XXXX, XXXX I sent in an endorsed bill in the amount of XXXX along with my handwritten instructions to XXXX XXXX the CEO of XXXX. I sent in another endorsed bill on the XXXX of XXXX, XXXX  in the amount of XXXX along with handwritten instructions to XXXX XXXX XXXX, XXXX of XXXX. The principal 's balance was not applied to the principal 's account. XXXX is and has been defaming my creditworthiness by reporting inaccurate information to credit reporting agencies. I sent another endorsed bill on the XXXX of XXXX, XXXX  in the amount of XXXX, and again on the XXXX of XXXX for the remaining balance, which was XXXX due to them adding a temporary credit to the account. On the XXXX of XXXX, I received an email from XXXX saying I had to verify my account by sending in my personal banking information ( statements ) and they had to be notarized. I informed the agent that I do not agree to share my personal non-public information with them nor did I feel comfortable with the notary seeing my bank statements. The agent told me that if I did not send the information that they were asking for they would shut my account down, I then informed the lady that, that was considered extortion. I proceeded to do what they told me to due in order to keep my account open. I sent in the bank statements along with the notarized sheet. I get an email regarding my account and I call XXXX they tell me that the notarized document wasn't showing fully on their end and that I needed to do the process over. I do the process over and send everything in. I get another email regarding my account and I call XXXX the agent tells me that I need to upload the notarized document again and that they received the bank statements. I asked what was the reason and she informed me that they could not see the stamp. I informed the representative that she might be looking at the old document, but I would resend everything via fax. I later was informed that the balance on my statement sheets was wrong and that they needed to be corrected because XXXX was showing a different balance. I go over my bank statements and call XXXX back to inform them that I never sent in a statement for the month of XXXX because it was not available yet. I'm telling this information to the young man and he tells me that the notary I used was not proper and that the notary had to be tied to a business. He stated that I could not use a mobile notary. I told the young man that I did not use a mobile notary and that the notary I used was tied to a business and that the name of the business was listed on the document the notary had to fill in. The young man/ rep informed me that, that notary was not approved or found in the system. I told the rep that I just spoke with someone an hour ago and the young lady didn't mention this at all and that it seemed strange that no one at XXXX told me that I had to use a certain establishment to get documents notarized. The representative told me that the notes were just added to my account. XXXX closed my account down. \nI used the Bill Of Exchange Act which gives me the right to endorse all bills. I also have the U.C.C Article 3 ( 3-104 ) negotiable instruments, which allows me to endorse my bills and the card agreement is in fact a negotiable instrument. XXXX is currently still reporting a balance/delinquency of the account. This is in fact a billing error since they received the endorsed bill back in XXXX of XXXX, I was informed of this by a lady who works at XXXX in the customer service department. \n\nExperian is willfully and knowingly violating 15 usc 1681 ( a ) ( 4 ) |15 usc 1681a ( 2 ) ( A ) ( i ) | 15 usc 1681b ( 2 )","date_sent_to_company":"2023-02-11T21:35:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"37128","tags":null,"has_narrative":true,"complaint_id":"6560097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-11T21:35:03.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I informed the agent that I do not agree to share my personal non-public information with <em>them</em> nor did I feel comfortable with the notary seeing my bank statements. The agent told me that if I did not <em>send</em> the information that they were asking for they would shut my account down, I then informed the lady that, that was considered extortion. I proceeded to do what they told me to due in order to keep my account open. I <em>sent</em> in the bank statements <em>along</em> with the notarized sheet."]},"sort":[15.430596,"6560097"]},{"_index":"complaint-public-v1","_id":"3330235","_score":15.429809,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/2019 I filed a complaint on this website ( complaint # XXXX ) against Ditech Financial LLC for issues I was having regarding their improper servicing of my deceased father 's home loan and their failure to recognize me as a successor in interest. They responded via the CFPB Portal and their response included a letter that they had supposedly sent to me at my father 's residence. Upon careful review of this letter which I had never received I noticed that it had to have been a forged document due too two facts. One it was never delivered to my father 's home and two the top of the letter is dated for XX/XX/2019 but at the bottom of each page it has a date of XX/XX/2019. Additionally they stated in their response that they had added my name to the account in XXXX however, after they sent the file to XXXX XXXX XXXX to begin the foreclosure process I contacted XXXX XXXX XXXX to discuss the problems I had been having with Ditech LLC and advise them that my father was deceased. When I spoke to XXXX ( on XX/XX/XXXX, ) who was handling my father 's case, she was completely unaware that my father was deceased and didn't have a copy of any of the supporting documents that I had all ready sent to Ditech LLC numerous times. She requested that I email them to her along with a brief summary of what I had told her on the phone. Which I did promptly. Also if they had added my name to the account in XXXX like they state then why is it that all correspondence they sent and continue to send is still addressed to my father. \n\nAfter filing my last complaint I sent both XXXX XXXX and Ditech LLC Qualified Written Requests for information and Notice 's of Error. Those were mailed on XX/XX/2019 via USPS Overnight Service and were received by both companies the next day. To this date I have never received a response from either company. \n\nOn XX/XX/2019 I retained legal representation to assist me with defending the foreclosure and hopefully stopping the sell of the home. On XX/XX/2019 he advised me that he had received confirmation that the sell had been canceled. Then on XX/XX/2019 he sent new QWR 's and NOE 's to both XXXX XXXX XXXX and Ditech LLC. In those letter 's he requested the servicing files for my father 's account as well as any notices that had been sent regarding my father 's account. He also notified them of their error in not recognizing me as a successor in interest and requested that they send me an application to assume the loan as well as a loss mitigation packet. He also advised them that their response to those letters needed to be sent to him but that any other communication regarding the loan needed to be sent to myself at my father 's address. To this date the only response they have made was to email my lawyer a loss mitigation packet on XX/XX/2019. To this date they have yet to mail or email the servicing file to myself or my attorney and haven't made any response at all to the QWR. This is yet again a clear violation of RESPA Law. \n\nOn XX/XX/2019 I faxed the mitigation packet to Ditech LLC and as of this date I have yet to have heard anything back from Ditech LLC.  Since the home is no longer scheduled for sale my lawyer and I agreed that his services were no longer needed on this matter so he withdrew from the case as of XX/XX/2019 and sent letters to both XXXX XXXX and Ditech advising them of this and advising them that all future correspondence needed to be sent to me at my father 's address. Still neither company has made any attempts to contact me regarding my father 's loan, the mitigation packet, or the QWR. This is again in violation of RESPA laws. \n\nDitech LLC needs to be held accountable for their actions and I feel that their forging of documents is downright criminal and they need to be held accountable for their actions.","date_sent_to_company":"2019-08-05T20:36:10.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"22192","tags":null,"has_narrative":true,"complaint_id":"3330235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2019-08-05T19:24:48.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/2019 I faxed the mitigation packet to Ditech LLC and as of this date I <em>have</em> yet to <em>have</em> heard anything back from Ditech LLC.  Since the home is no longer scheduled for sale my lawyer and I agreed that his services were no longer <em>needed</em> on this matter so he withdrew from the case as of XX/XX/2019 and <em>sent</em> letters to both XXXX XXXX and Ditech advising <em>them</em> of this and advising <em>them</em> that all future correspondence <em>needed</em> to be <em>sent</em> to me at my father 's address."]},"sort":[15.429809,"3330235"]},{"_index":"complaint-public-v1","_id":"6560099","_score":15.389377,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On the XXXX of XXXX, XXXX  I sent in an endorsed bill in the amount of XXXX along with my handwritten instructions to XXXX XXXX the XXXX of Discover. I sent in another endorsed bill on the XXXX of XXXX, XXXX  in the amount of XXXX along with handwritten instructions to XXXX XXXX XXXX, XXXX of discover. The principal 's balance was not applied to the principal 's account. Discover is and has been defaming my creditworthiness by reporting inaccurate information to credit reporting agencies. I sent another endorsed bill on the XXXX of XXXX, XXXX  in the amount of XXXX, and again on the XXXX of XXXX for the remaining balance, which was XXXX due to them adding a temporary credit to the account. On the XXXX of XXXX, I received an email from discover saying I had to verify my account by sending in my personal banking information ( statements ) and they had to be notarized. I informed the agent that I do not agree to share my personal non-public information with them nor did I feel comfortable with the notary seeing my bank statements. The agent told me that if I did not send the information that they were asking for they would shut my account down, I then informed the lady that, that was considered extortion. I proceeded to do what they told me to due in order to keep my account open. I sent in the bank statements along with the notarized sheet. I get an email regarding my account and I call discover they tell me that the notarized document wasn't showing fully on their end and that I needed to do the process over. I do the process over and send everything in. I get another email regarding my account and I call discover the agent tells me that I need to upload the notarized document again and that they received the bank statements. I asked what was the reason and she informed me that they could not see the stamp. I informed the representative that she might be looking at the old document, but I would resend everything via fax. I later was informed that the balance on my statement sheets was wrong and that they needed to be corrected because XXXX was showing a different balance. I go over my bank statements and call discover back to inform them that I never sent in a statement for the month of XXXX because it was not available yet. I'm telling this information to the young man and he tells me that the notary I used was not proper and that the notary had to be tied to a business. He stated that I could not use a mobile notary. I told the young man that I did not use a mobile notary and that the notary I used was tied to a business and that the name of the business was listed on the document the notary had to fill in. The young man/ rep informed me that, that notary was not approved or found in the system. I told the rep that I just spoke with someone an hour ago and the young lady didn't mention this at all and that it seemed strange that no one at discover told me that I had to use a certain establishment to get documents notarized. The representative told me that the notes were just added to my account. Discover closed my account down. \nI used the Bill Of Exchange Act which gives me the right to endorse all bills. I also have the U.C.C Article 3 ( 3-104 ) negotiable instruments, which allows me to endorse my bills and the card agreement is in fact a negotiable instrument. Discover is currently still reporting a balance/delinquency of the account. This is in fact a billing error since they received the endorsed bill back in XXXX of 2022, I was informed of this by a lady who works at discover in the customer service department. \n\nXXXX is willfully and knowingly violating 15 usc 1681 ( a ) ( 4 ) |15 usc 1681a ( 2 ) ( A ) ( i ) | 15 usc 1681b ( 2 )","date_sent_to_company":"2023-02-11T21:34:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"37128","tags":null,"has_narrative":true,"complaint_id":"6560099","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-02-11T19:28:57.000Z","state":"TN","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I informed the agent that I do not agree to share my personal non-public information with <em>them</em> nor did I feel comfortable with the notary seeing my bank statements. The agent told me that if I did not <em>send</em> the information that they were asking for they would shut my account down, I then informed the lady that, that was considered extortion. I proceeded to do what they told me to due in order to keep my account open. I <em>sent</em> in the bank statements <em>along</em> with the notarized sheet."]},"sort":[15.389377,"6560099"]},{"_index":"complaint-public-v1","_id":"8236966","_score":15.278694,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XXXX I noticed a {$12.00} service fee was taken out of our account, went to the branch, and spoke with XXXX XXXX President : XXXX XXXX  XXXX, who closed the account and advised that I would receive the service fee back, but a form needed to be submitted by her, on XXXX sent in for review on XXXX I received an e-mail \" review that was done and was approved for reimbursement. XXXX. The branch visit was advised that it would be in the form of a check. On XXXX Branch visit, XXXX requested that I send her the e-mail which I did. On XXXX. Branch visit was told I would get a phone call, never received it. On XXXX left a VM for XXXX to call. On XXXX another VM On XXXX call to customer service was put on hold and I was advised I should contact the Branch. On XXXX Branch manager submitted a form to reopen to receive the {$12.00} to be applied to the account. On XXXX received a call from XXXX stating, \" She'll look into it again and talk with her manager and get back to me on XXXX. On XXXX sent an e-mail to XXXX requesting an update. XXXX received a phone call from XXXX working on it but she doesn't feel her manager will approve it and that should file a complaint. All along XXXX advised me that it should not have happened and it was the principle of it. My account had a very large sum in it for years. Due to many bank errors that had to be corrected after I informed them, I decided to withdraw on the advice of XXXX, still showing the {$12.00} fee that should have been reimbursed to me. As per insutruction, I from the Federal Reserve faxed the approval from B of A along with the B of A form Account Maintenance completed by XXXX dated XXXX","date_sent_to_company":"2024-01-27T17:27:43.000Z","issue":"Problem caused by your funds being low","sub_product":"Other banking product or service","zip_code":"853XX","tags":null,"has_narrative":true,"complaint_id":"8236966","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-01-27T16:50:40.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Due to many bank <em>errors</em> that had to be corrected after I informed <em>them</em>, I decided to withdraw on the advice of XXXX, still showing the {$12.00} fee that should <em>have</em> been reimbursed to me. As per insutruction, I from the Federal Reserve faxed the approval from B of A <em>along</em> with the B of A form Account Maintenance completed by XXXX dated XXXX"]},"sort":[15.278694,"8236966"]},{"_index":"complaint-public-v1","_id":"1482449","_score":15.262945,"_source":{"product":"Mortgage","complaint_what_happened":"Mortgage with PennyMac. In error, I did not notice that they had been escrowing $ for my insurance of which I had on the property until the took an additional {$500.00} with my XXXX payment. My error. I have called them along with my insurance company repeatedly regarding and my insurance has sent over the proof declaration page multiple times. Every time I have called they say they did n't receive it, even once when I was assured the rep was on the phone with my insurance and would not hang up until she saw the fax. Well that was not true as we had to send again the week later. Also they say they take notes, but then they have nothing regarding. After numerous calls and runarounds, I was assured XXXX/XXXX/15 that I would be receiving a check for {$1900.00} from XXXX # XXXX and to call back today to see when it would be processed. Now after multiple runarounds, I am told that they do not have it, they have a 90 day binder and that is not enough to release the funds which 100 % contradicts what they told me last week. So again, I have to contact my insurance company to send them over a new declaration. They have had the documents no less than 3 times of what they needed. They are STEALING my money I am owed and was promised I would get on my phone call last week. I assume they are filing it to the wrong loan or something, because they can not get it right! I have spoken from the names I wrote down to XXXX # XXXX, promised call back, did n't, XXXX # XXXX promised would stay on hold with insurance company until she had correct form, have spoken to XXXX XXXX, today was XXXX who swears they only have 1 document which is wrong. This does not include the numerous calls my insurance company has made with them as well to straighten this out.","date_sent_to_company":"2015-07-22T22:51:02.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"90631","tags":null,"has_narrative":true,"complaint_id":"1482449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2015-07-22T22:51:01.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["In <em>error</em>, I did not notice that they had been escrowing $ for my insurance of which I had on the property until the took an additional {$500.00} with my XXXX payment. My <em>error</em>. I <em>have</em> called <em>them</em> <em>along</em> with my insurance company repeatedly regarding and my insurance has <em>sent</em> over the proof declaration page multiple times. Every time I <em>have</em> called they say they did n't receive it, even once when I was assured the rep was on the phone with my insurance and would not hang up until she saw the fax."]},"sort":[15.262945,"1482449"]},{"_index":"complaint-public-v1","_id":"6618486","_score":15.228075,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX - requested and entered into forbearance, lasting from XX/XX/XXXX to XX/XX/XXXX. \n\nXX/XX/XXXX - applied for funding from NCHAF ( COVID-19 relief ) to take care of past due payments, fee 's, etc., that were missed during the forbearance period. \n\nXX/XX/XXXX - forbearance period ended. \n\nXX/XX/XXXX - finally contacted Servicer by phone regarding balance discrepancy on all three credit reporting agencies ( XXXX, XXXX XXXX XXXX ). Servicer confirmed the balance of {$340000.00}. XXXX as it reveals on their website, but conflicts with the balance on the three credit reports. Spoke and requested letter from Servicer Supervisor XXXX, said he will email it and send a copy to my home address, but he never followed through. \n\nXX/XX/XXXX - generated and sent out a \" Notice of Error '' correspondence, along with supporting documents to the Servicer expressing my phone call placed on XX/XX/XXXX with XXXX XXXX. I stated the issue at hand ( discrepancy with the reported balance on all three credit bureaus ) are in contrast with what's on their online platform. \n\nXX/XX/XXXX - I received an \" Acknowledgment '' email @ XXXX XXXX  from the Servicer. PDF attached : letter informing me that they received my written request. \n\nXX/XX/XXXX - I received an envelope in the mail, date stamped XX/XX/XXXX, with a letter dated XX/XX/XXXX from the Servicer, stating that they're responding to my correspondence received on XX/XX/XXXX. I didn't send in a correspondence on XX/XX/XXXX. As mentioned in my XX/XX/XXXX correspondence that I sent out FIrst Class Mail, I called them. Due to their lack of communication and integrity, it was then that I decided to reach out to them in writing, with a 10 day response and solution to the problem. I've contacted Pennymac several times by phone regarding this matter and they continue to go around the issue at hand. The correspondence sent by the Servicer only include a \" Verification of Mortgage '' document regarding my account. As for the solution of correcting the balance that's being reported to the three credit bureaus, they totally ignored the intention of the \" Notice of Error '' that was sent to them. Not once did they mention anything regarding the error in their letter, instead a \" Verification of Mortgage? document was suffice for the correction that needed to be made. \n\nPennymac refuses to do the right thing. The only way that you can contact them is by phone or in writing. Their customer service over the phone is far from professionalism. Uploading documents through their message center is the worst. They have no way of tracking what you send them, but they heavily utilize the email platform to contact their customers. I've included supporting documents to hopefully remedy the situation. I'm being treated unethically and discriminated against, causing me great anxiety. This situation went from trying to get assistance during these unprecedented times to a full-blown nightmare. Please refer to the attached. Thank you!!","date_sent_to_company":"2023-02-26T10:29:51.000Z","issue":"Incorrect information on your report","sub_product":"VA mortgage","zip_code":"28590","tags":null,"has_narrative":true,"complaint_id":"6618486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2023-02-26T09:28:04.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The correspondence <em>sent</em> by the Servicer only include a \" Verification of Mortgage '' document regarding my account. As for the solution of correcting the balance that's being reported to the three credit bureaus, they totally ignored the intention of the \" Notice of <em>Error</em> '' that was <em>sent</em> to <em>them</em>. Not once did they mention anything regarding the <em>error</em> in their letter, instead a \" Verification of Mortgage? document was suffice for the correction that <em>needed</em> to be made."]},"sort":[15.228075,"6618486"]},{"_index":"complaint-public-v1","_id":"1781297","_score":15.170937,"_source":{"product":"Mortgage","complaint_what_happened":"I had submitted a complaint last XXXX to Suntrust, asking them to finally correct damaging and false information sent to the credit bureau telling them the following ( word per word on my CB ( credit bureau ) report ) : XXXX Suntrust Mtg DELINQ XXXX Late Dates XXXX, XXXX, XXXX FORECLOSURE INITIATED ; CONVENTIONAL REAL ESTATE MORTGAGE ; XXXX ACCOUNT/ SERIOUS DELINQUENCY. To then get a reply today from Suntrust saying they reviewed my concerns on their negative information they sent to CB, stating they are required to report accurately, then goes on to state I became delinquent in XXXX XXXX, funny how they never mentioned that in all my 13 years of my loan I was never ever late till then. Then mentioned payment was posted in XXXX XXXX, XXXX and claims that was the last payment ever made. I have all copies of my payment history to Suntrut along with a full log report of my entire ordeal for my \" loan modification process ''. \nThen Suntrust claim it is NOT their practice to encourage delinquency on their mortgage to qualify you for a loan modification - that in its self is such a lie, the first thing they told me was, since I was up to date on all my payments I would not qualify for loan modification program, to qualify I would need to be at least 3 or more months in rears for them to even review my application. \nI paid off my entire mortgage loan after my regular home sale, along with Suntrust hefty attorney fees and numerous other fees they conjured up even though they claim I had a \" trial plan ''. \nI decided to sell, then to continue being webbed in a vicious circle from Suntrust modification \" program '' to keep increasing my debt. \nAttach is the letter from Suntrust to me after I had contacted them several times back in XXXX to have them correct my CB report. \nIn their letter they never apologized, but told me it was determined that an \" inadvertent clerical error was made '' and requested that XXXX, XXXX & XXXX update my credit report accordingly. Unreal how Suntrust, after submitting wrongful and misleading information to someones credit report, say it was an error! yet even after sending me that letter, Suntrust never sent any information to CB to correct their so called \" error ''. \nAll I have asked Suntrust is to remove their the damaging and false information. Now you be the judge here, as seen in the beginning of my complaint, they stated I was in \" foreclosure initiated '' which was never true, you clearly see suntrust reply saying they \" never practice in telling customers to become delinquent on their loans '' for the purpose of initiating a \" loan modification '', the other false information they sent to CB was telling I was 120+++ days late. \nFirst of all when you start a loan modification I was told the process would be on hold till the modification process became active and \" no negative report would be sent to CB '' Lies after lies, I am fed up. \nI may be just a number to Suntrust with no concerns for all the negative remarks they sent to CB over and over again. It 's time Suntrust corrects this once and for all.","date_sent_to_company":"2016-02-11T04:29:15.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional fixed mortgage","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"1781297","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNTRUST BANKS, INC.","date_received":"2016-02-11T04:29:14.000Z","state":"FL","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> all copies of my payment history to Suntrut <em>along</em> with a full log report of my entire ordeal for my \" loan modification process ''."]},"sort":[15.170937,"1781297"]},{"_index":"complaint-public-v1","_id":"1381617","_score":14.991447,"_source":{"product":"Consumer Loan","complaint_what_happened":"paid off my vehicle XXXX/XXXX/XXXX to M & T Bank and I still am unable to obtain my car title from the state of XXXX. When I purchased this vehicle, I resided in XXXX XXXX but moved to XXXX in XXXX of XXXX. \n\nWhen I paid my loan in full, I did not receive my title. I did provide a change of address when I moved to XXXX. I called M & T and was only provided with a lien release letter but no title. M & T stated I needed to obtain the title myself. \n\nIn XXXX XXXX, I received a notice from the XXXX stating that there is an error with my title work. I contacted them via email and they advised me of the following ( see attached email from XXXX XXXX XXXX : It appears as though you brought the vehicle in from the state of XXXX and applied for registration and title, but had a lien holder on your vehicle. We produced your registration and then sent a letter to your lien holder asking for the title but they never responded. \n\nIf you are still making payments on the vehicle and your lien holder is still in possession of the title, please contact them and ask them to either send the title to us, or provide us with a better mailing address so that we can send them a XXXX request for your title. \n\nIf you 've completed your contract for the vehicle and are now in possession of the out of state title, then please send us your out of state title with either the loan stamped paid on the face of the title or the title along with a letter of lien release that includes:1. ) The company 's letterhead2. ) The vehicle identification number3. ) Names of all owners4. ) Signature of an authorized representative of the company. \n\nWhat we will need to process your transaction is:1. ) The original out of state title. \n2. ) A current odometer reading for your vehicle if the model year is XXXX or newer. \n3. ) A statement with your current address. \n\nIn addition, they stated the following ( see attached ) : Now that you 're an XXXX resident you 're going to need to get your XXXX title produced. If you have paid off the vehicle but do not have the out of state title then you 'll have to apply for a duplicate out of state title. The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is showing that the last state to issue title was XXXX. You 'll need to contact the XXXX XXXX about obtaining a duplicate title from their state and then surrender that title to us to produce your Illinois title. When you apply for their title, use the lien release that your lending institution sent but keep a copy because we 'll need one as well because your lien was recorded in both states.","date_sent_to_company":"2015-05-19T20:40:26.000Z","issue":"Managing the loan or lease","sub_product":"Vehicle loan","zip_code":"61761","tags":null,"has_narrative":true,"complaint_id":"1381617","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2015-05-19T20:40:25.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We produced your registration and then <em>sent</em> a letter to your lien holder asking for the title but they never responded. \n\nIf you are still making payments on the vehicle and your lien holder is still in possession of the title, please contact <em>them</em> and ask <em>them</em> to either <em>send</em> the title to us, or provide us with a better mailing address so that we can <em>send</em> <em>them</em> a XXXX request for your title."]},"sort":[14.991447,"1381617"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":553,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":553}]}},"product":{"doc_count":553,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":174,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":89},{"key":"FHA mortgage","doc_count":40},{"key":"Other type of mortgage","doc_count":16},{"key":"VA mortgage","doc_count":15},{"key":"Conventional fixed mortgage","doc_count":7},{"key":"Home equity loan or line of credit (HELOC)","doc_count":5},{"key":"Reverse mortgage","doc_count":1},{"key":"USDA mortgage","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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