{"took":620,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":346210,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7158259","_score":15.872801,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"The Even app is a mobile app run by XXXX. They offer services such as savings accounts and payday advances which are deducted directly from your paycheck as per their agreement with an employer. In this case, my employer is XXXX. An employee is allowed to borrow against their future paycheck and the deduction will be reflected on the following pay period. For the past 2 weeks, Even has experienced technical glitches which did not allow those deductions to take place. For my pay period ending XX/XX/XXXX a deduction in the amount of {$940.00} was supposed to take place and it did not. After speaking with Even support, I was assured that the issue was resolved so I borrowed from myself again in the amount of {$340.00}. Now for my pay period ending XX/XX/XXXX neither the {$940.00} or the {$340.00} was deducted. I was told again that this money will be taken out of the next pay period. Unfortunately, this puts the grand total at {$1200.00}. My check will not cover that amount which means that this company will deduct my entire paycheck leaving me with zero for at least 2 weeks. I know that with garnishments, a company can not take more than 25 % of an employees take home pay and although this is probably not considered a garnishment, perhaps leaving a person with a zero balance on their paycheck is unethical. I have informed Even that this has caused a financial hardship on me as my rent is due on the time in which they plan to leave me with no money. Although it was their company 's fault, Even has not offered any reasonable solutions. As per my employer, there were 998 people affected by this. That's 998 lives affected. 998 people who will work and go without a paycheck for 1-2 weeks. I tried offering them a payment plan and they said they need full payment. They just do not want to work with me towards a reasonable solution. I have informed them that as of XX/XX/XXXX I officially revoke my authorization to deduct an money from my future paychecks. I can only hope they acknowledge and obey this.","date_sent_to_company":"2023-08-02T16:14:19.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Payday loan","zip_code":"92879","tags":null,"has_narrative":true,"complaint_id":"7158259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Even Responsible Finance, Inc.","date_received":"2023-06-23T21:09:11.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The <em>Even</em> app is a mobile app run by XXXX. They offer services such as savings accounts and payday advances which are deducted directly from your paycheck as per their agreement with an employer. In this case, my employer is XXXX. An employee is allowed to borrow against their future paycheck and the deduction will be reflected on the following pay period. For the past 2 weeks, <em>Even</em> has experienced technical glitches which did not allow those deductions to take place."],"company":["<em>Even</em> Responsible Finance, Inc."]},"sort":[15.872801,"7158259"]},{"_index":"complaint-public-v1","_id":"6887293","_score":4.713621,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax blindly trusts XXXX 's data, even though XXXX has assisted in ID theft against me more than once, even though I have a credit freeze, and even though I have a fraud alert on top of that! XXXX is trying to force me to use my own funds to prove this account was not mine, even though anyone with the slightest common sense can see it was not me. XXXX will not even give me an invoice for this supposed debt, yet Equifax blindly trusts them and Equifax even changed my address to where the crime occurred!","date_sent_to_company":"2023-04-25T16:12:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11746","tags":null,"has_narrative":true,"complaint_id":"6887293","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-25T15:46:28.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Equifax blindly trusts XXXX 's data, <em>even</em> though XXXX has assisted in ID theft against me more than once, <em>even</em> though I have a credit freeze, and <em>even</em> though I have a fraud alert on top of that! XXXX is trying to force me to use my own funds to prove this account was not mine, <em>even</em> though anyone with the slightest common sense can see it was not me."]},"sort":[4.713621,"6887293"]},{"_index":"complaint-public-v1","_id":"8049541","_score":4.684467,"_source":{"product":"Mortgage","complaint_what_happened":"Ive been attempting to resolve this issue with them for many years as well as send the documents that they wanted as well as a loan modification paperwork. Even this year up to XXXX had sent the paperwork XXXX times for which they keep saying they not received it or couldn't read a XXXX  file. I even send some in multiple formats and ways such as certified mail and fax. I had to prove even the address of the home as Phh even had the wrong address as the home sits on a XXXX not an XXXX. Recently as i had people trying to help even to look to sell the property since it seems like a way to help, but ive had someone take a video of the entire inside of home without permission and we got XXXX shortly after this was done. I tryed to get a lawyer enen, but they want so much money upfront just to even talk about the matter. And evey people that ask me who the mortgage is with i say phh, XXXX they say \" oh that company '' they all know them for ther bad reputation, service and handling of these matters. I guess because they are part of ocwen. Even i tried to contact the company that hold the mortgage XXXX they are owened by XXXX XXXX in texas. And they are of equality no help all they do is hang up on you. And i tried many times. I even called XXXX XXXX as they are listed as the trustee and had them do a check on it and they had no record of it. I ask phh to speak to a higher manager or even the foreclosure department and i was denied as they said they have no such thing. So what supervisors and reps run the entire company. I did do know they have such department but they refuse to help. They say \" helping homeowners is what they do, '' they better think again on this. They even said the its not about the money but in the end that's all it's about. I even ask if i could talk to president or ceo or even the secretary to them i was told i had to go through there lawyers to talk to them. Its just a big run around with them. In the documents i sent you will see they are charging almost XXXX for late charges and even on there monthly notice it says {$45.00} for late charge. And even there appraisal could be taken into question. What is a human life worth in this world and this question i can even answer its just depends on how you look at it to XXXX its priceless but here on earth it's worth {$10.00} XXXX. All ive been trying to do in the so many attempts is to resolve this in best possible way. To save my home for my mom thats now XXXX XXXX XXXX and soon will be XXXX XXXX XXXX XXXX XXXXXXXX XXXX,  me and my pets as i rescued them from XXXX. Either from starvation or being burned alive and covered in oil. I see people are cruel to each other and dont want to help each other. Even i tryied to ask for help in many different ways and form from government to even local everyone is tapped out. Even the housing is tapped out but yet there are so many homes left empty, because investors bought up all the homes and rather sell them for a huge profit and influence the market with the banks all helping then to do so. Even people that come to look at the property to buy want it as cheap as possible and this whole thing of banks selling homes for cheap to investors but not even try to ask if the homeowner would like to buy the home first for the cheap amount as they have this home starting at {$1.00}. Even i said id give them the dollar to call it done. As with even home now that has gone in to this type of process needs so much fixing up even mine does.","date_sent_to_company":"2023-12-22T17:52:07.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"34609","tags":null,"has_narrative":true,"complaint_id":"8049541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2023-12-22T16:15:49.000Z","state":"FL","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["<em>Even</em> this year up to XXXX had sent the paperwork XXXX times for which they keep saying they not received it or couldn't read a XXXX  file. I <em>even</em> send some in multiple formats and ways such as certified mail and fax. I had to prove <em>even</em> the address of the home as Phh <em>even</em> had the wrong address as the home sits on a XXXX not an XXXX."]},"sort":[4.684467,"8049541"]},{"_index":"complaint-public-v1","_id":"11543383","_score":4.6659584,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I reported to Experian in XX/XX/year> XXXX credit cards on my credit report that were not mine and not even in my name. They came up as authorized user and I did not even have access to these accounts. All of this was disputed and explained and my credit has been so negatively impacted by this being stuck on my report and not being handled. My credit report is outdated and not even refreshed and doesnt even show payments I have made. This company is hurting me from opportunities by not looking into anything I have asked. I have disputed numerous errors and nothing gets resolved. It takes weeks to months to even get an update and there is usually no information as to what they even investigated or what concluded.","date_sent_to_company":"2025-01-16T01:38:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34787","tags":null,"has_narrative":true,"complaint_id":"11543383","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T01:26:37.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It takes weeks to months to <em>even</em> get an update and there is usually no information as to what they <em>even</em> investigated or what concluded."]},"sort":[4.6659584,"11543383"]},{"_index":"complaint-public-v1","_id":"11542798","_score":4.665427,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I reported to XXXX in XX/XX/year> two credit cards on my credit report that were not mine and not even in my name. They came up as authorized user and I did not even have access to these accounts. All of this was disputed and explained and my credit has been so negatively impacted by this being stuck on my report and not being handled. My credit report is outdated and not even refreshed and doesnt even show payments I have made. This company is hurting me from opportunities by not looking into anything I have asked. I have disputed numerous errors and nothing gets resolved. It takes weeks to months to even get an update and there is usually no information as to what they even investigated or what concluded.","date_sent_to_company":"2025-01-16T01:39:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34787","tags":null,"has_narrative":true,"complaint_id":"11542798","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-01-16T01:39:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It takes weeks to months to <em>even</em> get an update and there is usually no information as to what they <em>even</em> investigated or what concluded."]},"sort":[4.665427,"11542798"]},{"_index":"complaint-public-v1","_id":"5326108","_score":4.6485715,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are still multiple accounts on my report that are not mine and should not even be reporting. They haven't removed them even though they do not even belong to me.","date_sent_to_company":"2022-03-15T22:35:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92563","tags":null,"has_narrative":true,"complaint_id":"5326108","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-15T22:35:30.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["There are still multiple accounts on my report that are not mine and should not <em>even</em> be reporting. They haven't removed them <em>even</em> though they do not <em>even</em> belong to me."]},"sort":[4.6485715,"5326108"]},{"_index":"complaint-public-v1","_id":"5462855","_score":4.64305,"_source":{"product":"Debt collection","complaint_what_happened":"First credit trying to collect a medical bill from XX/XX/2022 and I havent even been to the doctor on that day, I never even went to hospital that day, I'm not paying for something when I wasnt even at XXXX XXXX main campus XX/XX/XXXX. I havent even seen a doctor that whole month.","date_sent_to_company":"2022-11-22T16:35:31.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"44130","tags":null,"has_narrative":true,"complaint_id":"5462855","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FirstCredit, Inc.","date_received":"2022-04-18T22:59:49.000Z","state":"OH","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["First credit trying to collect a medical bill from XX/XX/2022 and I havent <em>even</em> been to the doctor on that day, I never <em>even</em> went to hospital that day, I'm not paying for something when I wasnt <em>even</em> at XXXX XXXX main campus XX/XX/XXXX. I havent <em>even</em> seen a doctor that whole month."]},"sort":[4.64305,"5462855"]},{"_index":"complaint-public-v1","_id":"5326109","_score":4.642136,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are still multiple accounts on my report that are not mine and should not even be reporting. They haven't removed them even though they do not even belong to me.","date_sent_to_company":"2022-03-15T22:35:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92563","tags":null,"has_narrative":true,"complaint_id":"5326109","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-15T22:35:30.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["There are still multiple accounts on my report that are not mine and should not <em>even</em> be reporting. They haven't removed them <em>even</em> though they do not <em>even</em> belong to me."]},"sort":[4.642136,"5326109"]},{"_index":"complaint-public-v1","_id":"5326072","_score":4.642136,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are still multiple accounts on my report that are not mine and should not even be reporting. They haven't removed them even though they do not even belong to me.","date_sent_to_company":"2022-03-15T22:35:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92563","tags":null,"has_narrative":true,"complaint_id":"5326072","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-15T22:23:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["There are still multiple accounts on my report that are not mine and should not <em>even</em> be reporting. They haven't removed them <em>even</em> though they do not <em>even</em> belong to me."]},"sort":[4.642136,"5326072"]},{"_index":"complaint-public-v1","_id":"2351887","_score":4.635633,"_source":{"product":"Debt collection","complaint_what_happened":"They call 4-5 times a day everyday for a payment that is not even 30 days late and continue to call even after the payment is in process online. They are very insitant that you make the payment while on the phone with them immediately and continue to call even if you give them a date you can make the payment again not even 30 days late.","date_sent_to_company":"2017-02-20T14:00:23.000Z","issue":"Communication tactics","sub_product":"Auto","zip_code":"326XX","tags":null,"has_narrative":true,"complaint_id":"2351887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2017-02-20T14:00:22.000Z","state":"FL","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["They call 4-5 times a day everyday for a payment that is not <em>even</em> 30 days late and continue to call <em>even</em> after the payment is in process online. They are very insitant that you make the payment while on the phone with them immediately and continue to call <em>even</em> if you give them a date you can make the payment again not <em>even</em> 30 days late."]},"sort":[4.635633,"2351887"]},{"_index":"complaint-public-v1","_id":"13683095","_score":4.626679,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX suggests I owe back XXXX, XXXX. I have disputed with experian and XXXX  with evidence. XXXX XXXX XXXX never contacted me to even provide a payment plan. Even on their website is a broken site and I dont even have an account number to even create a profile to even see anything. I have asked for proof of photos upon move out. As such as trash fees, cleaning mirrors, carpets and toilet fees. I strongly believe XXXX is an inaccurate amount that they can not prove it should be that much without photos and videos. Following along with their website that looks broken and not receiving an account number to even create a profile to see a ledger. Any proof that XXXX XXXX XXXX has contacted me? To notify me of a collection and how to repay it?","date_sent_to_company":"2025-05-24T00:11:36.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"356XX","tags":null,"has_narrative":true,"complaint_id":"13683095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-23T23:58:03.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX never contacted me to <em>even</em> provide a payment plan. <em>Even</em> on their website is a broken site and I dont <em>even</em> have an account number to <em>even</em> create a profile to <em>even</em> see anything. I have asked for proof of photos upon move out. As such as trash fees, cleaning mirrors, carpets and toilet fees. I strongly believe XXXX is an inaccurate amount that they can not prove it should be that much without photos and videos."]},"sort":[4.626679,"13683095"]},{"_index":"complaint-public-v1","_id":"13683588","_score":4.6182084,"_source":{"product":"Debt collection","complaint_what_happened":"National credit systems suggests I owe back XXXX, XXXX. I have disputed with experian and transunion with evidence. National credit systems never contacted me to even provide a payment plan. Even on their website is a broken site and I dont even have an account number to even create a profile to even see anything. I have asked for proof of photos upon move out. As such as trash fees, cleaning mirrors, carpets and toilet fees. I strongly believe XXXX is an inaccurate amount that they can not prove it should be that much without photos and videos. Following along with their website that looks broken and not receiving an account number to even create a profile to see a ledger. Any proof that national credit systems has contacted me? To notify me of a collection and how to repay it?","date_sent_to_company":"2025-05-24T00:11:37.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"356XX","tags":null,"has_narrative":true,"complaint_id":"13683588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-05-24T00:11:16.000Z","state":"AL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["National credit systems never contacted me to <em>even</em> provide a payment plan. <em>Even</em> on their website is a broken site and I dont <em>even</em> have an account number to <em>even</em> create a profile to <em>even</em> see anything. I have asked for proof of photos upon move out. As such as trash fees, cleaning mirrors, carpets and toilet fees. I strongly believe XXXX is an inaccurate amount that they can not prove it should be that much without photos and videos."]},"sort":[4.6182084,"13683588"]},{"_index":"complaint-public-v1","_id":"9500086","_score":4.6051006,"_source":{"product":"Debt collection","complaint_what_happened":"FIRST OF ALL, CREDENCE IS IN VIOLATION OF MULTIPLE LAWS! \nFDCPA SECTION 807 FALSE AND MISLEADING REPRESENTATION BECAUSE THEY ARE NOT AN ATTORNEY! \n\nIM NOT EVEN SURE HOW THEY EVEN \" BOUGHT '' THIS DEBT BECAUSE IT DOESNT EVEN BELONG TO ME! EVEN IF IT WAS MY DEBT ITS STILL CONSIDERED \" A CERTIFICATE OF INDEBTEDNESS '' WHICH IS ( INCOME ) AND CAN NOT BE REPORTED TO A CONSUMER REPORT! \n\nLASTLY, THEY ARE VIOLATING 15 USC 6802 Obligations with respect to disclosures of personal information. THAT DOESNT EVEN BELONG TO ME! SO NOT ONLY DOES IT NOT BELONG TO ME THEYRE POSTING IT TO MY CONSUMER REPORT WITHOUT MY PERMISSION! \n\nIM DEMANDING THIS BE DELETED IMMEDIATELY UPON RECEIPT!","date_sent_to_company":"2024-07-12T19:40:49.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"28270","tags":null,"has_narrative":true,"complaint_id":"9500086","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2024-07-12T19:01:06.000Z","state":"NC","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["IM NOT <em>EVEN</em> SURE HOW THEY <em>EVEN</em> \" BOUGHT '' THIS DEBT BECAUSE IT DOESNT <em>EVEN</em> BELONG TO ME! <em>EVEN</em> IF IT WAS MY DEBT ITS STILL CONSIDERED \" A CERTIFICATE OF INDEBTEDNESS '' WHICH IS ( INCOME ) AND CAN NOT BE REPORTED TO A CONSUMER REPORT! \n\nLASTLY, THEY ARE VIOLATING 15 USC 6802 Obligations with respect to disclosures of personal information. THAT DOESNT <em>EVEN</em> BELONG TO ME! SO NOT ONLY DOES IT NOT BELONG TO ME THEYRE POSTING IT TO MY CONSUMER REPORT WITHOUT MY PERMISSION!"]},"sort":[4.6051006,"9500086"]},{"_index":"complaint-public-v1","_id":"3621121","_score":4.60491,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I never opened an account with this company I dont even own this company the name XXXX XXXX, I lived in XXXX  NY and this business is in XXXX I dont even have a clue who is this. I even reached out to the company letting them know I have known ideas who is this but they keep sending me bills and even have it on my credit report the name of this company is XXXX","date_sent_to_company":"2020-04-24T15:37:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11434","tags":null,"has_narrative":true,"complaint_id":"3621121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-04-24T15:36:58.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I never opened an account with this company I dont <em>even</em> own this company the name XXXX XXXX, I lived in XXXX  NY and this business is in XXXX I dont <em>even</em> have a clue who is this. I <em>even</em> reached out to the company letting them know I have known ideas who is this but they keep sending me bills and <em>even</em> have it on my credit report the name of this company is XXXX"]},"sort":[4.60491,"3621121"]},{"_index":"complaint-public-v1","_id":"3621111","_score":4.60491,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I never opened an account with this company I dont even own this company the name XXXX XXXX, I lived in XXXX NY and this business is in XXXX I dont even have a clue who is this. I even reached out to the company letting them know I have known ideas who is this but they keep sending me bills and even have it on my credit report the name of this company is XXXX","date_sent_to_company":"2020-04-24T15:36:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11434","tags":null,"has_narrative":true,"complaint_id":"3621111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-04-24T15:19:55.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I never opened an account with this company I dont <em>even</em> own this company the name XXXX XXXX, I lived in XXXX NY and this business is in XXXX I dont <em>even</em> have a clue who is this. I <em>even</em> reached out to the company letting them know I have known ideas who is this but they keep sending me bills and <em>even</em> have it on my credit report the name of this company is XXXX"]},"sort":[4.60491,"3621111"]},{"_index":"complaint-public-v1","_id":"1843626","_score":4.5738325,"_source":{"product":"Mortgage","complaint_what_happened":"I have been working with Bank of america for years now they have lied numerous time to me, they switched a really good modification on me without even asking me or even telling me the reasons why, even though i made 3 trail payments. and later they said they were going to fix it and they never did, and the payments were a lot more higher then what i was informed, due to that i had to default on my payments. Now im being told my house is being sold even though i provided proof to them and they are very rude and inconsiderate and would never let me speak at all. I will provide a letter of complaint that I faxed over to them because recently i was lied to again and i was told there was a proposal made for me but that was not true, they only made a proposal to the investor and I was n't supposed to know this information. they gave me the information on how much it was supposed to be and even the Assistant Vice President from the Bank of American who was XXXX XXXX even confirmed that I qualify for a modification with my income and expenses, he could n't even understand why i did n't get qualified for a new modification and they were denying me assistance, and he even escalated my case from his end with no positive results. I 'm Attaching the complaint letter that I send to Bank Of America, and the proof of modification that was given to me and they never honored it and they changed to terms of the modification without even letting me know. Even though i made the 3 trail payment which was {$1200.00} on these dates XX/XX/2010,XX/XX/2010,XX/XX/2010. \nI had nowhere else to turn and hopefully I can be assisted by your organization. \nThank you for your consideration.","date_sent_to_company":"2016-03-22T14:34:02.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"60641","tags":null,"has_narrative":true,"complaint_id":"1843626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-03-22T14:34:01.000Z","state":"IL","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 have been working with Bank of america for years now they have lied numerous time to me, they switched a really good modification on me without <em>even</em> asking me or <em>even</em> telling me the reasons why, <em>even</em> though i made 3 trail payments. and later they said they were going to fix it and they never did, and the payments were a lot more higher then what i was informed, due to that i had to default on my payments."]},"sort":[4.5738325,"1843626"]},{"_index":"complaint-public-v1","_id":"11792999","_score":4.5734444,"_source":{"product":"Debt collection","complaint_what_happened":"90 % of my debt was debt thats not even mine as its been sold after creditors were charged off without even letting me know even when Ive been in the middle of making payments","date_sent_to_company":"2025-01-28T02:33:20.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"506XX","tags":null,"has_narrative":true,"complaint_id":"11792999","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-28T02:30:21.000Z","state":"IA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["90 % of my debt was debt thats not <em>even</em> mine as its been sold after creditors were charged off without <em>even</em> letting me know <em>even</em> when Ive been in the middle of making payments"]},"sort":[4.5734444,"11792999"]},{"_index":"complaint-public-v1","_id":"5755674","_score":4.5731087,"_source":{"product":"Debt collection","complaint_what_happened":"Company has failed to comply and stop collection on account. I have advised the Debt Collector that the account was not mind and they are trying to collect on an account that is not even my name but attached to my credit report. I have disputed this account multiple times and they have failed to even attempt to remove even when clearly the account isnt mine because it doesn't even have my name attached. I WANT THIS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.","date_sent_to_company":"2022-07-10T15:34:53.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"293XX","tags":null,"has_narrative":true,"complaint_id":"5755674","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2022-07-10T15:14:19.000Z","state":"SC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I have advised the Debt Collector that the account was not mind and they are trying to collect on an account that is not <em>even</em> my name but attached to my credit report. I have disputed this account multiple times and they have failed to <em>even</em> attempt to remove <em>even</em> when clearly the account isnt mine because it doesn't <em>even</em> have my name attached. I WANT THIS REMOVED FROM MY CREDIT REPORT IMMEDIATELY."]},"sort":[4.5731087,"5755674"]},{"_index":"complaint-public-v1","_id":"7690934","_score":4.56484,"_source":{"product":"Mortgage","complaint_what_happened":"SPS servicing will NOT allow me to pay my mortgage because my son filed bankruptcy using my address. For one, he is not even on my deed, and two he doesnt even live at my house. He moved 6 years ago. I have been paying on my house for 25 years and this is just ridiculous. They will not tell me how I can pay my payment or what I need to do. I have spoken to a couple different attorneys including my sons bankruptcy attorney and they have said that SPS can not do this even if my son did live with me. The bankruptcy attorney doesnt even know how they would even know about my sons bankruptcy since he is not even on the mortgage. These guys just want to take my house because it is close to payoff. In 25 years, I have never experienced anything like I have with these people.","date_sent_to_company":"2023-10-13T08:31:18.000Z","issue":"Trouble during payment process","sub_product":"Manufactured home loan","zip_code":"231XX","tags":null,"has_narrative":true,"complaint_id":"7690934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2023-10-13T08:09:02.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["The bankruptcy attorney doesnt <em>even</em> know how they would <em>even</em> know about my sons bankruptcy since he is not <em>even</em> on the mortgage. These guys just want to take my house because it is close to payoff. In 25 years, I have never experienced anything like I have with these people."]},"sort":[4.56484,"7690934"]},{"_index":"complaint-public-v1","_id":"2644330","_score":4.56484,"_source":{"product":"Debt collection","complaint_what_happened":"Wakefield and Associates in XXXX TN contacted my ex-spouse about an account that has several medical bills attached to it. He was even subpoenaed to a court date. The bills are solely in my name and always have been even at the original providing facility. Wakefield and associates even sent him a detailed statement to my ex-husband at his address.  After I made it clear to them we were no longer married and that this could possibly even violate some health information protection acts. These bills are in my name and have been discussed extensively with him before I was even aware of them due to me never receiving any mail at my current address even though mail at my old address with my old married name is to be forwarded to my new address. So I assume I never received any mailings. Also, this company refuses to take any less for a payment than {$200.00} per month.","date_sent_to_company":"2017-08-22T17:51:06.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Medical debt","zip_code":"376XX","tags":null,"has_narrative":true,"complaint_id":"2644330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WAKEFIELD & ASSOCIATES, INC.","date_received":"2017-08-22T17:30:37.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["He was <em>even</em> subpoenaed to a court date. The bills are solely in my name and always have been <em>even</em> at the original providing facility. Wakefield and associates <em>even</em> sent him a detailed statement to my ex-husband at his address.  After I made it clear to them we were no longer married and that this could possibly <em>even</em> violate some health information protection acts."]},"sort":[4.56484,"2644330"]},{"_index":"complaint-public-v1","_id":"12273645","_score":4.5541553,"_source":{"product":"Debt collection","complaint_what_happened":"This business has been calling me multiple times every single day, even on weekends and after XXXX XXXX XXXX XXXX  even after being asked multiple times on a daily basis not to continue to call me .... I'm not even sure if this debt is mine or if this debt even truly exists. But I am tired of the phone calls every single day, and I'm tired of asking them to stop calling me. This is getting ridiculous.","date_sent_to_company":"2025-03-02T03:33:29.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"12273645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST PORTFOLIO SERVICING INC","date_received":"2025-03-02T03:21:48.000Z","state":"TX","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["This business has been calling me multiple times every single day, <em>even</em> on weekends and after XXXX XXXX XXXX XXXX  <em>even</em> after being asked multiple times on a daily basis not to continue to call me .... I'm not <em>even</em> sure if this debt is mine or if this debt <em>even</em> truly exists. But I am tired of the phone calls every single day, and I'm tired of asking them to stop calling me. This is getting ridiculous."]},"sort":[4.5541553,"12273645"]},{"_index":"complaint-public-v1","_id":"7607578","_score":4.547098,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been requesting for things to be deleted from all 3 credit bureaus since last year & they havent responded or even updated my credit details. Its costing me time & money. Im a victim of identity theft & even with the police report & all supporting documentation that Ive submitted. All 3 bureaus ignore me. Even up to this day I have to be paying for an credit lock & even with that credit checks are still being done this is very frustrating & I need to resolve the whole situation. Even my address & name is incorrect. As you can see its been going on since last year & im not getting any help from the credit bureaus.","date_sent_to_company":"2023-09-27T01:07:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10019","tags":null,"has_narrative":true,"complaint_id":"7607578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-27T00:37:36.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I have been requesting for things to be deleted from all 3 credit bureaus since last year & they havent responded or <em>even</em> updated my credit details. Its costing me time & money. Im a victim of identity theft & <em>even</em> with the police report & all supporting documentation that Ive submitted. All 3 bureaus ignore me. <em>Even</em> up to this day I have to be paying for an credit lock & <em>even</em> with that credit checks are still being done this is very frustrating & I need to resolve the whole situation."]},"sort":[4.547098,"7607578"]},{"_index":"complaint-public-v1","_id":"3062111","_score":4.545907,"_source":{"product":"Debt collection","complaint_what_happened":"I do not believe this is even a debt I incurred they tell me that the debt was made ( XXXX ) in 2013 but it just magically appeared on my credit report this past XXXX, I never received any letters, phone calls, or any correspondence whatsoever. I only recently discovered it because of a financial transaction that I am in talks to make. I called them 3 times and they were rude and uncooperative even when I told them I was willing to take care of this ( even though I do not agree with it, just to get it gone ) if they would remove it from my credit report and they told me NO in no uncertain terms each and every time I phoned even speaking with a supervisor. my financial advisor recommended that I reach out to you so that you may possibly get this right. again I reiterate I NEVER had a chance to even settle this because I never even knew it existed","date_sent_to_company":"2018-10-31T20:06:45.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"44107","tags":null,"has_narrative":true,"complaint_id":"3062111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AFNI INC.","date_received":"2018-10-31T19:46:57.000Z","state":"OH","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I called them 3 times and they were rude and uncooperative <em>even</em> when I told them I was willing to take care of this ( <em>even</em> though I do not agree with it, just to get it gone ) if they would remove it from my credit report and they told me NO in no uncertain terms each and every time I phoned <em>even</em> speaking with a supervisor. my financial advisor recommended that I reach out to you so that you may possibly get this right. again I reiterate I NEVER had a chance to <em>even</em> settle this because I never <em>even</em>"]},"sort":[4.545907,"3062111"]},{"_index":"complaint-public-v1","_id":"7607402","_score":4.541841,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been requesting for things to be deleted from all 3 credit bureaus since last year & they havent responded or even updated my credit details. Its costing me time & money. Im a victim of identity theft & even with the police report & all supporting documentation that Ive submitted. All 3 bureaus ignore me. Even up to this day I have to be paying for an credit lock & even with that credit checks are still being done this is very frustrating & I need to resolve the whole situation. Even my address & name is incorrect. As you can see its been going on since last year & im not getting any help from the credit bureaus.","date_sent_to_company":"2023-09-27T01:07:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10019","tags":null,"has_narrative":true,"complaint_id":"7607402","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-27T01:07:41.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I have been requesting for things to be deleted from all 3 credit bureaus since last year & they havent responded or <em>even</em> updated my credit details. Its costing me time & money. Im a victim of identity theft & <em>even</em> with the police report & all supporting documentation that Ive submitted. All 3 bureaus ignore me. <em>Even</em> up to this day I have to be paying for an credit lock & <em>even</em> with that credit checks are still being done this is very frustrating & I need to resolve the whole situation."]},"sort":[4.541841,"7607402"]},{"_index":"complaint-public-v1","_id":"7607403","_score":4.5416837,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been requesting for things to be deleted from all 3 credit bureaus since last year & they havent responded or even updated my credit details. Its costing me time & money. Im a victim of identity theft & even with the police report & all supporting documentation that Ive submitted. All 3 bureaus ignore me. Even up to this day I have to be paying for an credit lock & even with that credit checks are still being done this is very frustrating & I need to resolve the whole situation. Even my address & name is incorrect. As you can see its been going on since last year & im not getting any help from the credit bureaus.","date_sent_to_company":"2023-09-27T01:07:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10019","tags":null,"has_narrative":true,"complaint_id":"7607403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-27T01:07:41.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I have been requesting for things to be deleted from all 3 credit bureaus since last year & they havent responded or <em>even</em> updated my credit details. Its costing me time & money. Im a victim of identity theft & <em>even</em> with the police report & all supporting documentation that Ive submitted. All 3 bureaus ignore me. <em>Even</em> up to this day I have to be paying for an credit lock & <em>even</em> with that credit checks are still being done this is very frustrating & I need to resolve the whole situation."]},"sort":[4.5416837,"7607403"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":346210,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":346210}]}},"product":{"doc_count":346210,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":83304,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":82493},{"key":"Other personal consumer report","doc_count":811}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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