{"took":258,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":160177,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2487037","_score":17.881975,"_source":{"product":"Mortgage","complaint_what_happened":"I applied for a  Dreamaker Opportunity  mortgage loan with Chase Bank.     I was approved for the loan and I locked in a 4.0 % rate for 60 days in a  Lock-In Agreement. 2  weeks later, I was issued a Mortgage  Commitment Letter  which states an interest rate of 4.375 % with discount points of .375 %. The  Commitment Letter als o states that our interest rate and discount points are determined by our  Lock-In Agreement. I p ointed out to our  Loan Officer  that the rate did not state 4.0 % but he told us that it meant our rate would be 4.0 % after we paid the .375 % discount points.     This l oan officer repea tedly told me that our rate was 4.0 %.     Today, we are   two weeks before the expiration of our Lock-In Agreement and our loan officer has told us that Chase will not honor our Lock-In Agreement rate of 4.0 %.\nA loan processing agent explained to us that there was a \" glitch '' and that some time after our Lock-In Agreement was issued our application was bounced back and put into a conventional non   -1st time  home owner loan, which does not offer the 4.0 % rate.     This \" gitch '' was never communicated to us, neither was the new 4.375 % rate, till today which  is two  weeks prior to our closing date.","date_sent_to_company":"2017-05-18T07:45:52.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"11220","tags":null,"has_narrative":true,"complaint_id":"2487037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-05-18T03:26:02.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Today, we are   two weeks before the expiration of our <em>Lock-In</em> Agreement and our loan officer has told us that Chase will not honor our <em>Lock-In</em> Agreement rate of 4.0 %.\nA loan processing agent explained to us that there was a \" glitch '' and that some time after our <em>Lock-In</em> Agreement was issued our application was bounced back and put into a conventional <em>non</em>   -1st time  home owner loan, which does not offer the 4.0 % rate."]},"sort":[17.881975,"2487037"]},{"_index":"complaint-public-v1","_id":"2238019","_score":17.082123,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX company did not process the refinancing for XXXX mortgages in compliance with the Truth and Lending Act. As a results, I lost the opportunity to save thousands of dollars in savings. I also paid for {$900.00} for the appraisal fees that were not used. \nOn XX/XX/2016, I applied with XXXX to refinance my personal residence and a rental property. After I submitted all the required documentation, the lender approved my application and promised to close within 60 days. The lender provided the disclosure documents on XX/XX/XXXX and the locked in interest rate agreements at interest rate of 2.875 % with XXXX discount ( {$2600.00} credit ) point for the principal residence and 3.375 % ( no discount points ) for the rental property. During next months, despite many phone calls, messages and emails, the lender did not do anything to reach the closing of the XXXX refinances. On XX/XX/XXXX, the lender called me and asked to renegotiate the interest terms since the initial lock-in agreements were expired. He offered new rates and I requested to lock-in 2.75 % ( no points ) for the residence and 3.375 % ( no points ) for the rental property. These new rates were significantly higher making the loans a lot more costlier. On this occasion the lender did not provide the disclosure forms, good faith estimates, and the lock-in agreements. Few days later I contacted the Lender to obtain the status and the lender responded that lock-in agreements. He mentioned having problems with this commitment desk. He also said that the interest rate are a lot higher. \n\nI believe that the Lender intentionally delayed processing the loan in order to let the lock-in agreement to expire and then offered hire interest rates that were not beneficial for consumer. The loans applications were not rejected I conclusion, I feel that the lender was negligent and discriminated against me when processing the loans applications and as a result I lost the opportunity to save ten thousands of dollars.","date_sent_to_company":"2016-12-06T22:48:24.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional fixed mortgage","zip_code":"22306","tags":null,"has_narrative":true,"complaint_id":"2238019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Finance of America Mortgage LLC","date_received":"2016-12-06T19:44:26.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, the lender called me and asked to renegotiate the interest terms since the initial <em>lock-in</em> agreements were expired. He offered new rates and I requested to <em>lock-in</em> 2.75 % ( no points ) for the residence and 3.375 % ( no points ) for the rental property. These new rates were significantly higher making the loans a lot more costlier. On this occasion the lender did not provide the disclosure forms, good faith estimates, and the <em>lock-in</em> agreements."]},"sort":[17.082123,"2238019"]},{"_index":"complaint-public-v1","_id":"8659762","_score":17.05117,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX I executed a note and security agreement with Flagship ; I received my first statement on XX/XX/XXXX and have paid as agreed for the life of the loan. \n\nFlagship Credit has failed to report the tradeline whatsoever to any of the 3 major consumer reporting agencies. \n\nThis causes me demonstrable harm as a consumer as this directly impacts my ability to access preferential consumer credit, increases my insurance rates in the State of Texas, and increases my overall finance charges in other obligations. \n\nResearching the numerous public complaints to the CFPB, reviews on public aggregators, and the XXXX  show Flagship does have a history of reporting to CRAs but fails to so for many consumers. \n\nBy positively establishing they have the ability to report and showing pattern of reporting for some, it suggests they lack a robust internal process to do so and thus as consumers we are harmed as a class by their negligence in what is a standard & expected industry practice the regular and accurate reporting of a consumers performance on consumer credit products. \n\nLastly, by failing to report accurately and timely information, Flagship is perpetuating a predatory system of consumer lock-in as attempting to refinance away from them becomes much more difficult when prospective vendors are unable to verify the account on a consumers credit report. This is grossly magnified since to refinance there must be demonstrable consumer benefit, the lack of reporting deprives consumers of the positive credit history they might use as a basis for favorable loan terms. Thus a consumer is burdened against refinancing away on 2 fronts : lack of positive credit history to provide a demonstrable benefit & administratively hindered by lacking the reporting basis to allow other lenders to review the tradelines performance I attempted internal remediation on XX/XX/XXXX however Flagship gave themselves 30 business days to respond which is an excessive and burdensome timeframe.","date_sent_to_company":"2024-03-30T09:12:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Loan","zip_code":"78727","tags":null,"has_narrative":true,"complaint_id":"8659762","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FC HoldCo LLC","date_received":"2024-03-30T08:32:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Lastly, by failing to report accurately and timely information, Flagship is perpetuating a predatory system of consumer <em>lock-in</em> as attempting to refinance away from them becomes much more difficult when prospective <em>vendors</em> are unable to verify the account on a consumers credit report. This is grossly magnified since to refinance there must be demonstrable consumer benefit, the lack of reporting deprives consumers of the positive credit history they might use as a basis for favorable loan terms."]},"sort":[17.05117,"8659762"]},{"_index":"complaint-public-v1","_id":"2740801","_score":16.634956,"_source":{"product":"Checking or savings account","complaint_what_happened":"Bank of America is apparently retaliating against me for challenging their non-compliant predatory behavior by systematically denying disputes that they urged me to file. \n\nJust today they once again sided with the vendor over me and flooded me with 11 pages of mostly not filled in response forms from the vendor and are threatening to take about {$700.00} dollars of my money based on a few scrawled notes from the vendor the dispute was against. \n\nThis vendor sold me merchandise that was not as described and then was passive aggressively uncooperative in proposed resolutions while Bank of America delayed and delayed in assisting in resolution. \n\nThis followed a series of complaints against BOA I have filed in a number of different venues for their documented non-compliance with applicable banking and trade practice rules, regulations, and laws.","date_sent_to_company":"2017-11-29T21:53:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"06511","tags":null,"has_narrative":true,"complaint_id":"2740801","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-11-29T21:31:46.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["This <em>vendor</em> sold me merchandise that was not as described and then was passive aggressively uncooperative in proposed resolutions while Bank of America delayed and delayed in assisting in resolution. \n\nThis followed a series of complaints against BOA I have filed in a number of different venues for their documented <em>non-compliance</em> with applicable banking and trade practice rules, regulations, and laws."]},"sort":[16.634956,"2740801"]},{"_index":"complaint-public-v1","_id":"1466826","_score":15.968634,"_source":{"product":"Mortgage","complaint_what_happened":"I applied online for a refinance, and the GFE that was generated did not remain the same after I spoke with an agent the first time. On XXXX/XXXX/15, I paid the lock-in fee of {$490.00} for which the agreement said I could rescind it if I did n't yet receive countersigned documents. I rescinded the agreement on XXXX/XXXX/15 because I became distrustful of the process and agent. Plus, I had n't received any documents. I was told on XXXX/XXXX/15 that the lock-in fee of {$490.00} that I paid would be refunded to me. After sending a reminder email on XXXX/XXXX/15, I still have n't heard from any agent at Valley National Bankl","date_sent_to_company":"2015-07-14T04:07:41.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional fixed mortgage","zip_code":"11206","tags":null,"has_narrative":true,"complaint_id":"1466826","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"VALLEY NATIONAL BANCORP","date_received":"2015-07-14T04:07:40.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["On XXXX/XXXX/15, I paid the <em>lock-in</em> fee of {$490.00} for which the agreement said I could rescind it if I did n't yet receive countersigned documents. I rescinded the agreement on XXXX/XXXX/15 because I became distrustful of the process and agent. Plus, I had n't received any documents. I was told on XXXX/XXXX/15 that the <em>lock-in</em> fee of {$490.00} that I paid would be refunded to me. After sending a reminder email on XXXX/XXXX/15, I still have n't heard from any agent at Valley National Bankl"]},"sort":[15.968634,"1466826"]},{"_index":"complaint-public-v1","_id":"8943227","_score":15.88195,"_source":{"product":"Mortgage","complaint_what_happened":"On XXXX, my spouse and I applied for XXXX Mortgage Financing for VRM property at XXXX XXXX XXXX XXXX Ca. We also submitted documents such as paystubs, bank statements, 2 Year Federal Tax returns, 1099 via VRM lending account portal. We were charged a {$92.00} application fee ( XXXX ). On XXXX we left several unanswered voice messages for XXXX XXXX. On XXXX, I contacted VRM Lending, LLC main office via telephone and submitted a complaint regarding XXXXXXXX XXXX XXXX  lack of response to my email requesting update on the status of my application. About an hour later, I was contacted by XXXX XXXXwho identified herself as the manager of VRM lending LLC XXXX She advised me that she would look into this matter and get back to me. XXXX XXXX and XXXX XXXX contacted me via conference call noting that I could only purchase as XXXX XXXXXXXX XXXX indicated this would change the terms and require 5 % down of contact price. She indicated it was due to property conditions that she could not disclose to me. I informed her that we were not made aware of this prior to applying nor does the listing state Investor only. She advised me to follow up with my realtor. Upon, further research and discussion with my realtor, there is no evidence to support her claims. I emailed XXXX and XXXX for evidence of why the terms changed and the outcome of my application-as we may be interested in other properties. As of this date, I have not received any response to my request. I truly appreciate the CFPB support in this matter.","date_sent_to_company":"2024-05-06T18:09:12.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Other type of mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8943227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Vendor Resource Management, Inc.","date_received":"2024-05-06T17:48:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Changes in loan terms during the application process"},"highlight":{"company":["<em>Vendor</em> Resource Management, Inc."],"sub_issue":["Changes <em>in</em> loan terms during the application process"]},"sort":[15.88195,"8943227"]},{"_index":"complaint-public-v1","_id":"16330914","_score":15.748211,"_source":{"product":"Prepaid card","complaint_what_happened":"I signed up for a Revolut XXXX subscription in XX/XX/year>. At no point during signup was it made clear to me that there was a XXXX lock-in period or that I would be charged a cancellation fee if I downgraded. \n\nWhen I decided to cancel, I discovered that Revolut made the cancellation process very difficult to find in the app, delaying my ability to stop the subscription. Once I finally located the cancellation option, I was informed I owed a fee equivalent to XXXX months of subscription. \n\nI never would have subscribed if the lock-in and fees had been clearly disclosed. These terms were buried in fine print and were not presented clearly and conspicuously as required by U.S. law, including the Restore Online Shoppers Confidence Act ( ROSCA ).\n\nAdditionally, Revolut continued to deduct monthly fees directly from my account balance until it became negative, even after I had transferred out all funds. I paid my first subscription via XXXX XXXX and have no stored card on file, but Revolut is now threatening to recover the negative balance or escalate further, creating stress about possible collections activity and credit score impact.\n\nWhy this is deceptive/unfair : Revolut failed to provide clear, upfront disclosure of cancellation fees and lock-in periods. \n\nThe cancellation process was designed to be confusing and burdensome. \n\nU.S. law requires subscription terms to be clearly disclosed and cancellation to be simple, which Revolut did not meet.","date_sent_to_company":"2025-10-02T13:20:18.000Z","issue":"Unexpected or other fees","sub_product":"General-purpose prepaid card","zip_code":"02215","tags":null,"has_narrative":true,"complaint_id":"16330914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Revolut Technologies Inc.","date_received":"2025-10-02T12:59:48.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Why this is deceptive/unfair : Revolut failed to provide clear, upfront disclosure of cancellation fees and <em>lock-in</em> periods. \n\nThe cancellation process was designed to be confusing and burdensome. \n\nU.S. law requires subscription terms to be clearly disclosed and cancellation to be simple, which Revolut did not meet."]},"sort":[15.748211,"16330914"]},{"_index":"complaint-public-v1","_id":"1466776","_score":15.733133,"_source":{"product":"Mortgage","complaint_what_happened":"We worked with Mortgage Banker XXXX XXXX to obtain a home loan from JP Morgan Chase Bank. XXXX XXXX, 2015, XXXX XXXX emailed us Chase \" management approved rate at 3.5 % with points of XXXX '' for a 30 yr fixed rate home loan ( Supporting XXXX # XXXX ). XXXX XXXX, 2015, borrower signed the \" Lock-In Agreement '' docs and returned them to XXXX XXXX to lock in loan rate at 3.5 %, Origination Fee of 0 %, Discount Points of 0 %, and Extended Lock-In Fee of {$0.00}. XXXX Supporting Doc # XXXX and # XXXX ) XXXX XXXX, 2015, we received an email from XXXX XXXX congratulating us on approval for Chase Grant, meaning \" Chase will pay XXXX towards [ our ] closing cost. '' ( Supporting Doc # XXXX and # XXXX ) We were given a Good Faith Estimate ( GFE ) only when we requested it XXXX XXXX, 2015. Upon reviewing, we noticed discount points. Per conversation via phone, XXXX XXXX advised we were charged discount points on the loan due to approval for Chase Grant. This condition was not disclosed to us with any communication about the Chase Grant nor mentioned to us in until we saw the points on the GFE and brought it up for questioning. Since XXXX XXXX said only management could remove the points, we reached out to XXXX XXXX 's manager, XXXX XXXX. We placed several phone calls ; all went unreturned. We got in touch with a XXXX XXXX, whom promised a call back from someone to address the issue, but again we did n't receive a call back. We were finally able to get a hold of XXXX XXXX on XXXX XXXX, 2015 and per his request, emailed proof of the approved 3.5 % rate, XXXX discount points. On XXXX XXXX, 2015, we received an email from XXXX XXXX saying he \" spoke to XXXX he will honor the XXXX point. You still receive the Chase XXXX. '' XXXX Supporting Doc # XXXX ) XXXX XXXX, 2015, we were notified loan docs had been sent to XXXX XXXX for signing. While on the phone with XXXX XXXX with escrow to arrange for mobile notary for same-day signing, XXXX XXXX informed us XXXX XXXX just gave word borrower could not sign and loan docs were no longer valid. We asked XXXX XXXX what happened but she suggested we speak with XXXX XXXX. XXXX XXXX explained via phone that in conversation with the loan processor, the processor determined the borrower could not sign and had immediately placed a Lock-In extension on the rate, making the original loan docs void. This was simply false as we were already scheduling the signing with escrow for within the next hour. XXXX XXXX did not communicate this decision with us prior to placing the lock-in extension. Due to XXXX XXXX 's negligence and the actions taken without formal consent from the borrower, the loan did not fund and escrow was not able to close. Additionally, we were charged {$830.00} on the loan as a fee for Lock-In extension, inconsistent with the \" Lock-In Agreement '' which states an Extended Lock-In Fee of {$0.00}. XXXX XXXX, 2015, we contacted XXXX XXXX to address concerns with not seeing the Chase Grant credit applied to closing costs on the \" Final HUD-1 '' ( Supporting Doc # XXXX ). Per the email response received from XXXX XXXX, he advised the grant was \" calculated into the numbers in the HUD on line XXXX. '' ( Supporting XXXX # XXXX ) Upon review, Line XXXX is the {$830.00} ( 0.25 % points wrongly charged for the Extended Lock-In Fee ). There was no credit of {$1400.00} for the Chase Grant. We contacted XXXX XXXX whom advised the grant was applied to discount points then proceeded to trivialize our concerns and divert the conversation saying what a \" great deal '' we got. He never acknowledged his mistakes nor addressed the issue of misinforming and misleading us on loan terms. Due to negligence and unprofessional manner of XXXX XXXX and his peers, we paid {$2300.00} for fees in excess of terms.","date_sent_to_company":"2015-07-14T01:33:01.000Z","issue":"Settlement process and costs","sub_product":"Conventional fixed mortgage","zip_code":"91801","tags":null,"has_narrative":true,"complaint_id":"1466776","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-07-14T01:33:00.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX, 2015, borrower signed the \" <em>Lock-In</em> Agreement '' docs and returned them to XXXX XXXX to <em>lock</em> in loan rate at 3.5 %, Origination Fee of 0 %, Discount Points of 0 %, and Extended <em>Lock-In</em> Fee of {$0.00}."]},"sort":[15.733133,"1466776"]},{"_index":"complaint-public-v1","_id":"17936236","_score":15.512447,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against CONSERVE / XXXX  XXXX XXXX / XXXX for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. \n\nI have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable. The reporting of this account is legally flawed for the following reasons : FRAGMENTED AND INCONSISTENT DATA : The reporting of this account varies significantly across the XXXX major credit bureaus. Specifically, the \" Date Opened '' is reported inconsistently, with XXXX bureau displaying XXXX different opening dates for the same account number. It is factually impossible for a single account to have multiple origination dates. This proves the data is corrupted and unreliable. \n\nXXXX XXXX : XXXX bureau has failed to update the status of this account since XXXX, while others show different activity. A creditor is required to report accurate, up-to-date information. Reporting a \" XXXX  '' derogatory status based on data that has not been updated in over a year is misleading and violates the accuracy standards of the FCRA. \n\nMISSING XXXX XXXX COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX standards ) are left blank or reported as \" unknown '' across the bureaus. \n\nI have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information. Because the data integrity is compromised and the bureaus can not agree on the basic facts of the account ( dates, activity, status ), the account is legally unverifiable.","date_sent_to_company":"2025-11-29T08:59:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38053","tags":"Servicemember","has_narrative":true,"complaint_id":"17936236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Continental Services Group, Inc. d/b/a ConServe","date_received":"2025-11-29T08:48:49.000Z","state":"TN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing this formal complaint against CONSERVE / XXXX  XXXX XXXX / XXXX for willful <em>non-compliance</em> with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. \n\nI have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable."]},"sort":[15.512447,"17936236"]},{"_index":"complaint-public-v1","_id":"17592538","_score":15.512447,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against XXXX  / EQUIFAX , INC. / XXXX for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. \n\nI have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable. The reporting of this account is legally flawed for the following reasons : FRAGMENTED AND INCONSISTENT DATA : The reporting of this account varies significantly across the XXXX major credit bureaus. Specifically, the \" Date Opened '' is reported inconsistently, with one bureau displaying XXXX different opening dates for the same account number. It is factually impossible for a single account to have multiple origination dates. This proves the data is corrupted and unreliable.\n\nSTALE/OBSOLETE REPORTING : One bureau has failed to update the status of this account since XXXX, while others show different activity. A creditor is required to report accurate, up-to-date information. Reporting a \" current '' derogatory status based on data that has not been updated in over a year is misleading and violates the accuracy standards of the FCRA. \n\nMISSING METRO 2 COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the Consumer Data Industry Association 's Metro 2 standards ) are left blank or reported as \" unknown '' across the bureaus.\n\nI have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information. Because the data integrity is compromised and the bureaus can not agree on the basic facts of the account ( dates, activity, status ), the account is legally unverifiable.","date_sent_to_company":"2025-11-29T08:59:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38053","tags":"Servicemember","has_narrative":true,"complaint_id":"17592538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-29T08:59:11.000Z","state":"TN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":[". / XXXX for willful <em>non-compliance</em> with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. \n\nI have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable."]},"sort":[15.512447,"17592538"]},{"_index":"complaint-public-v1","_id":"17592537","_score":15.512447,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX TRANSUION for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. \n\nI have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable. The reporting of this account is legally flawed for the following reasons : FRAGMENTED AND INCONSISTENT DATA : The reporting of this account varies significantly across the XXXX major credit bureaus. Specifically, the \" Date Opened '' is reported inconsistently, with XXXX bureau displaying XXXX different opening dates for the same account number. It is factually impossible for a single account to have multiple origination dates. This proves the data is corrupted and unreliable.\n\nSTALE/OBSOLETE REPORTING : One bureau has failed to update the status of this account since XXXX, while others show different activity. A creditor is required to report accurate, up-to-date information. Reporting a \" current '' derogatory status based on data that has not been updated in over a year is misleading and violates the accuracy standards of the FCRA. \n\nMISSING METRO 2 COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the Consumer Data Industry Association 's Metro 2 standards ) are left blank or reported as \" unknown '' across the bureaus.\n\nI have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information. Because the data integrity is compromised and the bureaus can not agree on the basic facts of the account ( dates, activity, status ), the account is legally unverifiable.","date_sent_to_company":"2025-11-29T08:59:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38053","tags":"Servicemember","has_narrative":true,"complaint_id":"17592537","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-29T08:59:11.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX TRANSUION for willful <em>non-compliance</em> with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. \n\nI have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable."]},"sort":[15.512447,"17592537"]},{"_index":"complaint-public-v1","_id":"6308280","_score":15.313371,"_source":{"product":"Mortgage","complaint_what_happened":"I applied for a mortgage loan on XX/XX/XXXX. On that date, I provided both my and my spouses w-2s, paystubs, a full loan application on their website, bank statements, leases, and a separate e-mail explanation of my real estate holdings ( rents, term of leases, etc. ). I also provided insurance dec pages, mortgage statements for each house, the source of my down payment, and my realtors contact information. I provided a complete application, and all documents requested with the exception of my tax returns. My accountant is completing them still, and I did inform them I would send as soon as they were completed. \n\nOn XX/XX/XXXX I received an email back from XXXX XXXX at VRM Lending that my application was on hold until my tax returns were received. She also confirmed my 5 % down payment and that she had a copy of the purchase contract. Confirming she has the loan amount, purchase price, and address in addition to my application. At this point she has confirmed in writing she has all 6 trigger pieces of information. \n\nOn XX/XX/XXXX I e-mailed the VP of XXXX XXXX XXXXXXXX XXXX, and asked for her assistance. I was not getting much of any responses or answers from XXXX ( I received one answer to 4 emails over approximately a two week span ). I mentioned to XXXX that I was coming to the end of my due diligence period, and I alluded to the fact that I was entitled an XXXX  as I had provided the 6 trigger pieces of information. I have not even been given an estimated interest rate or closing costs at this point. It is unacceptable to be 2+ weeks into a contract, and not really know what you are agreeing to. What if the closing costs are XXXX XXXX? What if the interest rate is 10 % and the mortgage payment is outrageous? I have been given no information on the terms of my loan at this point. XXXX did not respond in 2 days or so, so I went on her calendar and made a calendar appointment for a phone call from her email signature ( I have worked with her for a previous transaction, which is how I got her signature ) for Friday XXXX at noon  my time.\n\nWe had the call at noon, and XXXX and another lady who was the Operations manager? maybe? were present on the call.\n\nThey insisted I was not due an XXXX  because I had not provided my tax returns, so I did not provide all 6 pieces of information, as they could not calculate my rental income without the returns. I informed her I gave them my rental income via email/leases, and that I was aware they would be unable to use any of the rents to qualify me. One property wasn't rented at all in XXXX  due to major renovations ( also purchased as a foreclosure using this lender ), and it is now on a 9 month lease. My other two leases are month to month, and they require a full 12 month lease to qualify. I said I understand that these do not meet your requirements, so it seems to me you should be qualifying me with all the mortgage payments and the rental income is superfluous. Here nor there, you have a verbal and therefore you DO have my income for the purposes of requiring a Loan Estimate. They told me that my word is useless ( and yes, they did use those words ). I very specifically stated you DO have all 6 trigger terms required for an XXXX. They disagreed.\n\nIt got unpleasant. At this point I believe they were angered that I had essentially called them out on their violations. I tried to do it in a nudging like \" hey, don't forget about this let 's work as a team '' kind of way. But it's frustrating to be 2 weeks into a contract and not even really know what I'm agreeing to. Is my rate 5 %? 6 %? 7 %? It makes a huge difference in the monthly payment. They did verbally give me the current rate and APR during the phone call XXXX, but I have yet to see any estimates of the closing costs, etc. They told me they would be informing the seller that I had not completed my application, and they were denying me for a loan. I kept stating, you are not denying me, my decision is incomplete until you can receive this last piece of information needed to make your complete decision. That is a major difference. At no point was I asked for my permission to release my information to the seller. I was basically in tears when I got off the phone call. They went as far as to tell me they were reporting the realtors for fraud because a box on the contract was checked stating there was an approval letter for the transaction, but they had not issued an approval letter. I understand being \" unkind '' isn't a CFPB issue per say, but my point was they were acting purposefully with ill intent. I am certain they do not send a denial letter to the seller for every client who has not provided every single requested document within 14 days. The agents tell me they sometimes get them the day before closing ; which is typically at least 45 days. They did it to me purposefully to harm me/in retaliation because I called them out for violating mortgage laws. That is a CFPB issue, because it's discrimination. I am being treated differently because I have some basic mortgage law knowledge/know my rights. \n\nOn Monday XX/XX/XXXX I received a termination request from the seller which states \" The buyer ( name ) has not satisfied their terms of the contract to submit a full application for lending. They also have insufficient documentation to process a loan ''. \n\nMy complaints for mortgage law violations are : 1. I was not provided an LE within the 3 business days from providing the 6 triggers, as legally required.\n\n2. My information was provided to the seller without my consent, and inaccurately. The application was completed, and almost all mortgage documents were provided. The last item was forthcoming, and being worked on diligently.\n\nThe harm caused to me is as follows : 1. Financially- I will now loose out on the $ 500+/- home inspection I paid for, the {$50.00} +/- credit report I was required to pay for up front, and I now am loosing out on purchasing this home as an investment.\n\n2. Reputation- I am a member of the real estate community, and I am now having to defend myself/my reputation to other peers of my community. \" I did complete the application ''. \" I'm not actually being declined ''. \" Literally, all they are missing is my tax returns ; my accountant is almost done with them I promise ''.\n\n3. Stress- I'm literally begging my accountant in tears to finish them as quickly as they can. It's only been 14 days since they requested tax returns from me, with a holiday in the middle ( XXXX  ). It hasn't been an outrageous amount of time. I'm acting in good faith and working diligently to get them ASAP.","date_sent_to_company":"2022-12-14T20:46:02.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Other type of mortgage","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"6308280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Vendor Resource Management, Inc.","date_received":"2022-12-13T03:35:54.000Z","state":"AK","company_public_response":null,"sub_issue":null},"highlight":{"company":["<em>Vendor</em> Resource Management, Inc."]},"sort":[15.313371,"6308280"]},{"_index":"complaint-public-v1","_id":"7493571","_score":15.214121,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing to file a formal complaint against Highlands Mortgage, a division of Highlands Residential Mortgage LTD, concerning a lock-in fee that I paid to secure a mortgage rate for the purchase of two new-build homes. I believe there has been a violation of the terms of our agreement, and I seek your assistance in resolving this matter. \nIn 2021, I entered into a contract to purchase two new-build homes, with the recommendation of my real estate broker, XXXX XXXX XXXX Given the rising interest rates at the time and the anticipated delivery date of the homes in XX/XX/2021, I contacted Highlands Mortgage, headed by XXXX XXXX, to lock in a favorable mortgage rate. The company offered a rate lock program that required a lock-in fee of 1 % of the loan amount, which amounted to {$1600.00} for each property, totaling {$3300.00} for two homes i was planning on purchasing. \nHighlands Mortgage assured me that they would hold the locked-in rate for up to one year and that I could potentially adjust the rate downward within 30 days of closing if rates were to drop. I signed a contract and promptly submitted the required lock-in fee. Over the course of a year, the construction of the new homes faced significant delays due to Covid-related supply chain issues. \nGiven the ongoing delays and concerns about the solvency of the builder, I contacted XXXX XXXX and XXXX XXXX to discuss the cancellation of the loan. At this point, it was evident that the loan would not be closed within the originally stipulated one-year time frame. According to the terms of the contract, \" IF the loan does not close before the expiration date of the lock-in agreement through no substantial fault of the borrower, the borrower may withdraw the application whereupon the lender shall promptly refund to the borrower any lock in fee paid by the borrower. '' However, a conflicting statement appeared in a second addendum that I also signed. This addendum stated that \" the deposit is non-refundable and will be forfeited to the lender if the borrower does not close with Highlands Residential Mortgage LTD for any reason other than denial. '' While I acknowledge that I signed this second addendum, I believe it directly contradicts the initial agreement and request for a refund. \nDespite my efforts to reason with Highlands Mortgage and clarify the situation, their team has maintained that my deposit can only be refunded \" at the closing table. '' I have undertaken research and consulted with colleagues, all of whom have indicated that withholding the lock-in fee under these circumstances may be unlawful. \nI am seeking assistance from the Consumer Protection Bureau to investigate the legality of Highlands Mortgage 's actions and provide guidance on whether I am entitled to a refund of my deposit. While the amount in question may be {$3300.00}, it holds significant value for individuals like myself. Additionally, the potential impact on future transactions with the company, coupled with the uncertainty of their terms, has raised concerns about the ethical practices of Highlands Mortgage. \nI kindly request your intervention to resolve this matter and provide clarity on my rights as a consumer. Your guidance and expertise will be greatly appreciated in ensuring a fair and just resolution. \nThank you for your attention to this matter. I look forward to your prompt response. \nSincerely, XXXX XXXX","date_sent_to_company":"2023-09-04T01:16:39.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"90802","tags":null,"has_narrative":true,"complaint_id":"7493571","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HIGHLANDS RESIDENTIAL MORTGAGE","date_received":"2023-09-04T01:03:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["The company offered a rate <em>lock</em> program that required a <em>lock-in</em> fee of 1 % of the loan amount, which amounted to {$1600.00} for each property, totaling {$3300.00} for two homes i was planning on purchasing. \nHighlands Mortgage assured me that they would hold the <em>locked</em>-in rate for up to one year and that I could potentially adjust the rate downward within 30 days of closing if rates were to drop. I signed a contract and promptly submitted the required <em>lock-in</em> fee."]},"sort":[15.214121,"7493571"]},{"_index":"complaint-public-v1","_id":"2256689","_score":15.151815,"_source":{"product":"Consumer Loan","complaint_what_happened":"XXXX XXXX, XXXX Consumer Financial Protection Bureau Dear Complaint Department : In XXXX we took out a Line of Credit loan from BMO Harris Bank. In XXXX we learned by letter that our loan was coming due in full on XXXX XXXX, XXXX. We had no idea a Line of Credit loan matured with a balloon payment 15 years in the future. It was a Line of Credit! We always made our loan payment of approximately {$90.00} per month on time and never late. Around three years ago, we started increasing our monthly payment to {$150.00} per month. This allowed us to pay on the principle and pay off the loan quicker. \n\nWhen we were notified that the full balance of the Line of Credit was coming due XXXX XXXX, XXXX, we tried to refinance our home mortgage including this balance of {$40000.00}. But because of our financial hardship at the time, we could not qualify. \n\nI 'm a XXXX Veteran with a XXXX XXXX. Once again, we tried to refinance our home mortgage, and this time we qualified. We were also able to lock-in a very good interest rate before they recently increased. Everything was going great until BMO Harris indicated we were 252 days late on our Line of Credit balloon payment. Even though we were continuing to pay our monthly payments on time, we were trying to include BMO Harris as a Subordinate positon to our home mortgage and get this loan active again... they refused. See, they have already written off this Line of Credit loan. But because BMO Harris wants to play hardball, we are going to lose our lock-in and may not ever to be able to qualify for a loan again. The interest rates have already gone up since we locked-in this great rate. \n\nOur lock-in expires XXXX XXXX, XXXX. This means we must pay an additional {$300.00} to lock-in for two more weeks. BMO Harris is intentionally blocking our refinance opportunity knowing we are about to lose our lock-in. This after being loyal customers for over 40 years. I guess if you are meeting their expectations you are FAMILY, but once you fall out of place they treat you as if you have the plague. \n\nAfter making phone calls to BMO Harris ' Loss Mitigation department over several weeks, XXXX recommended providing them with a settlement letter. We could come up with {$10000.00} from a friendly legal outside source. I spoke with XXXX, the Team Leader through XXXX and XXXX has declined our {$10000.00} Settlement offer. XXXX requested {$24000.00} as a Settlement, but {$10000.00} is the maximum amount we could obtain. \n\nWe do n't understand why BMO Harris would intentionally block an opportunity to receive our {$10000.00} Settlement offer, or get this {$40000.00} loan back on the books and let us pay our monthly payment again like we have for 15 years. \n\nWe can extend our lock-in two more weeks, at an additional cost of {$300.00}, and then all hope is lost. Why is BMO Harris being like this? \n\nPlease help us. \n\nSincerely, XXXX & XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2016-12-20T15:38:09.000Z","issue":"Managing the loan or lease","sub_product":"Installment loan","zip_code":"60107","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2256689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2016-12-19T19:34:15.000Z","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":["But because BMO Harris wants to play hardball, we are going to lose our <em>lock-in</em> and may not ever to be able to qualify for a loan again. The interest rates have already gone up since we <em>locked</em>-in this great rate. \n\nOur <em>lock-in</em> expires XXXX XXXX, XXXX. This means we must pay an additional {$300.00} to <em>lock-in</em> for two more weeks. BMO Harris is intentionally blocking our refinance opportunity knowing we are about to lose our <em>lock</em>-in. This after being loyal customers for over 40 years."]},"sort":[15.151815,"2256689"]},{"_index":"complaint-public-v1","_id":"6733594","_score":15.070463,"_source":{"product":"Debt collection","complaint_what_happened":"I signed a lease to purchase agreement for standard tires for a common US sedan. \nI never took possession of tires made. I explained to the vendor that I wanted to cancel due to poor customer service. And a feeling of safety concerns in his business. \nI also explained to XXXX ( the finance company ) the same issue. There were two conference calls between myself the vendor and the finance company. The Vendor refused to return funds to the finance company even though I never took possession of the tires. During the second call the vendor was very belligerent and disrespectful to both me and the finance company. I did request the company save that recorded call. \nI can't be held to a lease agreement or at least to purchase agreement if I never took possession of the item.","date_sent_to_company":"2023-03-22T14:18:20.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"60803","tags":null,"has_narrative":true,"complaint_id":"6733594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ACIMA CREDIT, LLC","date_received":"2023-03-22T14:18:16.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I signed a lease to purchase agreement for <em>standard</em> tires for a common US sedan. \nI never took possession of tires made. I explained to the <em>vendor</em> that I wanted to cancel due to poor customer service. And a feeling of safety concerns in his business. \nI also explained to XXXX ( the finance company ) the same issue. There were two conference calls between myself the <em>vendor</em> and the finance company."]},"sort":[15.070463,"6733594"]},{"_index":"complaint-public-v1","_id":"10384363","_score":14.858248,"_source":{"product":"Credit card","complaint_what_happened":"A fraudulent transaction was made and disputed using my company 's credit card for {$2100.00}. I contacted American Express to advise them of the vendor 's failure to provide the merchandise that we agreed upon. They also inaccurately exaggerated their abilities to meet my company 's standards saying they were qualified and experienced. 6 months later, my company discovered that they in fact did not have the ability to produce the requirements. To conclude, we never received any merchandise and the vendor was fraudulent. I attempted to contact the vendor multiple times, but I have not received any satisfactory response or resolution. In addition to the non -receipt of some items, a portion of the merchandise that was delivered was incorrect. The items do not match the description or specifications that were agreed upon at the time of the purchase. I have sent American Express correspondence with the vendor and additional documentation that supports my claim. I kindly request that you investigate this matter and reverse the charge on my account as the vendor has failed to fulfill their obligations.","date_sent_to_company":"2024-10-08T14:00:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"48038","tags":null,"has_narrative":true,"complaint_id":"10384363","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-10-08T13:43:01.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I contacted American Express to advise them of the <em>vendor</em> 's failure to provide the merchandise that we agreed upon. They also inaccurately exaggerated their abilities to meet my company 's <em>standards</em> saying they were qualified and experienced. 6 months later, my company discovered that they in fact did not have the ability to produce the requirements. To conclude, we never received any merchandise and the <em>vendor</em> was fraudulent."]},"sort":[14.858248,"10384363"]},{"_index":"complaint-public-v1","_id":"3593737","_score":14.812584,"_source":{"product":"Mortgage","complaint_what_happened":"This message is dated XX/XX/2020. On XX/XX/2020, we initiated a mortgage refinance application with our current primary residence mortgage lender ( JP Morgan Chase Bank ) based upon a solicitation letter from them that indicated we could lower our mortgage rate from a current rate of 4.00 % to 3.125 % ( and an estimated APY of 3.204 % ). At that time, our current mortgage balance ( account number XXXX ) was approximately {$580000.00}. After immediately contacting Chase to refinance, we were told that the offered interest rate of 3.125 % was no longer available. However, we were offered and subsequently accepted a Lock-in Agreement ( also issued on XX/XX/2020 ), for a 30-year, fixed rate mortgage of {$580000.00} at 3.49 % with discount points of ( .039 % ), essentially representing a no-cost refinance. Despite feeling like Chase had just pulled a bait-and-switch on us by offering us 3.125 % and then rescinding it in favor of 3.49 %, we decided that we would still proceed with them since this should merely be a very simple, streamlined rate-and-term refinance of a performing loan already in their portfolio. We immediately executed a Lock-in Agreement. That Lock-in Agreement has an expiration date of XX/XX/2020, so at the time of this writing that Lock-in Agreement has not yet expired. \n\nAnyway, after the electronic delivery by us of considerable personal financial information to Chase through their employee XXXX XXXX ( Executive Mortgage Banker - NMLS ID : XXXX ), all communication from Mr. XXXX ceased approximately a week ago. Beginning at that time, Chase ' website began indicating that our mortgage application was no longer active. We have been instructed to download our application documents if we want to keep copies for our records. Presumably, Chase has decided to decline our refinance application without any written or verbal notice. Several email and phone messages to Mr. XXXX have gone unanswered ; Chase has been equally non-responsive.\n\nFor reference, we have a strong FICO score of XXXX, and a spotless payment history with Chase. The refinance in question would have significantly lowered our current monthly mortgage payment with Chase. Furthermore, the appraised value of our home as part of this application came in significantly higher that at origination. Simply stated, the actual credit risk associated with our current situation is considerably stronger than at origination. If anything, Chase would have been in a more secure credit risk position that when this loan had been originated. Consequently, we fail to see any basis for what amounts to a decline of our mortgage refinance application. \n\nAt this point, if in fact our refinance application has been declined, in order to feel as if we have been made whole, at a minimum we would like Chase to refund to us the {$500.00} appraisal fee that they initiated - and for which we had to prepay. However, to feel fully vindicated, it is our opinion that Chase should honor their original refinance offer of 3.125 % ( APY 3.204 % ) as presented to us in their original offer letter. At the very least, Chase should deliver on their Lock-in Agreement for a loan of {$580000.00} on a 30-year fixed rate at 3.49 % with ( .039 % ) discount points ; yet to expire on XX/XX/2020.","date_sent_to_company":"2020-04-08T17:09:31.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"93401","tags":null,"has_narrative":true,"complaint_id":"3593737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-04-05T17:35:34.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We immediately executed a <em>Lock-in</em> Agreement. That <em>Lock-in</em> Agreement has an expiration date of XX/XX/2020, so at the time of this writing that <em>Lock-in</em> Agreement has not yet expired. \n\nAnyway, after the electronic delivery by us of considerable personal financial information to Chase through their employee XXXX XXXX ( Executive Mortgage Banker - NMLS ID : XXXX ), all communication from Mr. XXXX ceased approximately a week ago."]},"sort":[14.812584,"3593737"]},{"_index":"complaint-public-v1","_id":"1441585","_score":14.807255,"_source":{"product":"Mortgage","complaint_what_happened":"Dear Consumer Financial Protection Bureau, JP Morgan Chase Bank , N.A . together with its ' representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX attempt to steer husband and wife away from the benefits of the XXXX XXXX Harp Re-Finance Program and the 60 day, 4 % signed Lock-In Agreement dated XXXX XXXX, 2015 by the delay in service, the delay of a well-timed \" Close '', the entry to record of an errored appraisal, the withhold of information by not providing the disclosures of the Good Faith Estimate Settlement of Charges in a timely manner ; and the withhold of information by not providing the disclosures of the Truth in Lending Statement in a timely manner. \nAs a result, we write this complaint to the CFPB against JP Morgan Chase Bank N.A . together with its representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX. Herewith are the details : On XXXX XXXX 2015, we verbally began the process to enter into the XXXX XXXX HARP Re-finance Program with JP Morgan Chase Bank , N.A . representative XXXX XXXX ; thereafter, JP Morgan Chase Bank N.A . representatives XXXX XXXX and XXXX XXXX joined the process. \nThen on XXXX XXXX, 2015 XXXX XXXX XXXX, performed an appraisal ; thereafter, the submission of an error report is entered into the record which indicates the address of interest has a fourth illegal unit and kitchen. This is false information because the fourth floor does not exist. \nThough the 60 day, 4 % Lock-In Agreement is dated XXXX XXXX, 2015, JP Morgan Chase Bank , N.A . Representative XXXX XXXX did not email the document until XXXX XXXX, 2015 ; delay in service. \nIn response to the XXXX XXXX, 2015 email from JP Morgan Chase Bank N.A . representative XXXX XXXX, on XXXX XXXX we signed and returned by email the 60 day, 4 % Lock-In Agreement dated XXXX XXXX, 2015 together with the additional documents requested. \nMeanwhile, we did not hear from JP Morgan Chase Bank N.A . representatives XXXX XXXX, XXXX XXXX, or XXXX XXXX until XXXX XXXX, 2015 ; delay of a well-timed close. \nLastly, on XXXX XXXX, 2015, we received from JP Morgan Chase Bank , N.A . Representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX an \" Approval Letter '' that is a \" Counter Offer '' at the increased interest rate of 4.125 % ( 4.5 % APR ), even though the 60 day, 4 % XXXX XXXX, 2015 Lock-In Agreement remained in place ; delay in service. \nFinally, without the disclosures of the Good Faith Estimate Settlement of Charges and without the disclosure of the Truth in Lending Statement, is an attempt by JP Morgan Chase Bank NA Representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX to withhold information and prevent a timely close. \nIn conclusion, we wish to:1. Complete and finalize the XXXX XXXX HARP Re-Finance Program ; ( attached ) 2. Secondly, to maintain the 60 day, Lock-In Agreement dated XXXX XXXX, 2015 at the interest rate of 4.0 % ; ( attached ) 3. Thirdly, to \" Close '' on or before the end of business day of XXXX XXXX, 2015 because the 60 day, 4 % XXXX XXXX of XXXX XXXX, 2015 has the expiration date of XXXX XXXX, 2015 ; XXXX. Fourthly, because of the delay in service, we expect an extension of the 60 day, 4 % XXXX XXXX, 2015 Lock-In Agreement if the XXXX XXXX, 2015 date of close can not be met. \n5. Lastly, we again request and seek the disclosure of the Good Faith Estimate Settlement of Charges document, never issued but, requested by email on XXXX XXXX, 2015 ; 6. Finally, we again request and seek the disclosure of the Truth in Lending Disclosure Statement never issued but, requested on XXXX XXXX, 2015. ( attached ). \n7. Equally important, we seek a correction of the XXXX XXXX, 2015 error appraisal provided by XXXX XXXX , XXXX, Appraiser XXXX XXXX, and hired by JP Morgan Chase Bank N.A.. ( error page attached )","date_sent_to_company":"2015-06-28T16:38:48.000Z","issue":"Settlement process and costs","sub_product":"Conventional fixed mortgage","zip_code":"07104","tags":null,"has_narrative":true,"complaint_id":"1441585","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-06-28T16:38:47.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Though the 60 day, 4 % <em>Lock-In</em> Agreement is dated XXXX XXXX, 2015, JP Morgan Chase Bank , N.A . Representative XXXX XXXX did not email the document until XXXX XXXX, 2015 ; delay in service. \nIn response to the XXXX XXXX, 2015 email from JP Morgan Chase Bank N.A . representative XXXX XXXX, on XXXX XXXX we signed and returned by email the 60 day, 4 % <em>Lock-In</em> Agreement dated XXXX XXXX, 2015 together with the additional documents requested."]},"sort":[14.807255,"1441585"]},{"_index":"complaint-public-v1","_id":"6642945","_score":14.733887,"_source":{"product":"Mortgage","complaint_what_happened":"Hello, we have purchased a new construction home to by built by Toll Brothers in Washington State. We were told that we needed loan approval from Toll Brothers Mortgage ( TBM ) in order to complete the purchase. We applied and were approved for a loan, and TBM offered us a float down rate lock. Before entering the agreement, we specifically asked our loan officer via phone if there was a lock-in cost. Not only did he answer that there wasn't, but he framed the agreement as a no-lose situation. This is how we were under the notion that we still had the freedom to pursue other lending options without incurring costs. However, now that we have found better options, Toll Brothers is claiming we owe them {$10000.00} ( a rate far above market average ) which will be added to our closing costs. \n\nIn hindsight, despite our preferences to communicate with TBM via email, we suspect they insisted on only ever answering our questions over the phone by calling us at random times was to mislead or withhold information from us without a paper trail. \n\nThe lock-in agreement further states that the contract is null and void should this {$10000.00} not been paid immediately on execution of the agreement. No one contacted us about paying this {$10000.00} even though the agreement states that this would be due immediately on entering the agreement. \n\nWhen we expressed our intent to work with other lenders, TBM notified us about this {$10000.00} hidden cost. We tried to dispute this cost, to which TBM informed us that behind the scenes, Toll Brothers silently fronted TBM the lock-in fee on our behalf, so therefore we now owe Toll Brothers {$10000.00} on closing. \n\nTo summarize, we were misled in our discussions with our loan officer about rate-lock costs and we have neither seen nor signed any documents giving Toll Brothers consent to pay hidden costs to TBM on our behalf. We believe the misleading practices they have engaged in are wrong and fraudulent.","date_sent_to_company":"2023-03-03T21:04:33.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"94403","tags":null,"has_narrative":true,"complaint_id":"6642945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOLL BROTHERS INC","date_received":"2023-03-03T20:33:58.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["We applied and were approved for a loan, and TBM offered us a float down rate <em>lock</em>. Before entering the agreement, we specifically asked our loan officer via phone if there was a <em>lock-in</em> cost. Not only did he answer that there wasn't, but he framed the agreement as a no-lose situation. This is how we were under the notion that we still had the freedom to pursue other lending options without incurring costs."]},"sort":[14.733887,"6642945"]},{"_index":"complaint-public-v1","_id":"1645104","_score":14.597112,"_source":{"product":"Mortgage","complaint_what_happened":"Lender refused to issue Loan Estimate until I locked in an interest rate. Mortgage application was made on XXXX/XXXX/2015, I requested the Loan Estimate XXXX times. As of XXXX/XXXX/2015 I still have not received the Loan Estimate. Loan Officer stated that I will receive the Loan Estimate only after I agree to lock-in an interest rate.","date_sent_to_company":"2015-11-07T14:35:27.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional fixed mortgage","zip_code":"44118","tags":null,"has_narrative":true,"complaint_id":"1645104","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-11-07T14:35:26.000Z","state":"OH","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Lender refused to issue Loan Estimate until I <em>locked</em> in an interest rate. Mortgage application was made on XXXX/XXXX/2015, I requested the Loan Estimate XXXX times. As of XXXX/XXXX/2015 I still have not received the Loan Estimate. Loan Officer stated that I will receive the Loan Estimate only after I agree to <em>lock-in</em> an interest rate."]},"sort":[14.597112,"1645104"]},{"_index":"complaint-public-v1","_id":"17593127","_score":14.548057,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against XXXX  / EXPERIAN for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. \n\nI have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable. The reporting of this account is legally flawed for the following reasons : FRAGMENTED AND INCONSISTENT DATA : The reporting of this account varies significantly across the XXXX major credit bureaus. Specifically, the \" Date Opened '' is reported inconsistently, with one bureau displaying two different opening dates for the same account number. It is factually impossible for a single account to have multiple origination dates. This proves the data is corrupted and unreliable.\n\nSTALE/OBSOLETE REPORTING : One bureau has failed to update the status of this account since XXXX, while others show different activity. A creditor is required to report accurate, up-to-date information. Reporting a \" current '' derogatory status based on data that has not been updated in over a year is misleading and violates the accuracy standards of the FCRA.\n\nMISSING METRO 2 COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the Consumer Data Industry Association 's Metro 2 standards ) are left blank or reported as \" unknown '' across the bureaus.\n\nI have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information. Because the data integrity is compromised and the bureaus can not agree on the basic facts of the account ( dates, activity, status ), the account is legally unverifiable.\n\nRESOLUTION SOUGHT : In accordance with the FCRA, if information can not be verified with accuracy, it must be deleted. I am requesting the immediate deletion of this trade line from my credit report. Do not merely \" update '' the account ; the historical inconsistency proves the data source is flawed.","date_sent_to_company":"2025-11-29T09:03:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38053","tags":"Servicemember","has_narrative":true,"complaint_id":"17593127","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-29T09:00:28.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing this formal complaint against XXXX  / EXPERIAN for willful <em>non-compliance</em> with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. \n\nI have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable."]},"sort":[14.548057,"17593127"]},{"_index":"complaint-public-v1","_id":"8043148","_score":14.546827,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to file a complaint for unresolved pending charges on my account which is preventing me from closing my account and potential non-compliance with regulatory standards. I submitted a XXXX complaint on XX/XX/2023 which they have just been ignoring so hopefully you get a better response from them. They just keep deleting my messages out of my portal with them anyway attempting to hide my contacts, despite me having email verification they responded, poorly. You can see in the attachments how my message center only shows one message while the email screenshot shows they responded about the same account on XX/XX/XXXX. They are now actively trying to cover their tracks and hide any wrongdoing. \n\n1. Unresolved Pending Charges : For over five months, my account with Synchrony Bank has been burdened with two pending charges that remain unresolved. Despite my repeated attempts to resolve this issue with the bank, I have been met with unproductive advice and a lack of substantive action. The bank 's insistence that these charges will \" drop off '' and their directive to contact the vendors involved have not led to any resolution. This not only reflects poorly on Synchrony Bank 's customer service but also restricts my ability to close my account, a right I believe is protected under consumer protection laws.\n\n2. Non-Compliance with Data Protection Laws : The persistent issues with my account at Synchrony Bank have raised significant concerns about their adherence to various data protection and financial regulations. These potential violations include, but are not limited to : California Consumer Privacy Act ( CCPA ) and California Privacy Rights Act ( CPRA ), Gramm-Leach-Bliley Act ( GLBA ), The Fair Credit Reporting Act ( FCRA ), Sarbanes-Oxley Act ( SOX ), Payment Card Industry Data Security Standard ( PCI DSS ) The consequences of such violations are severe. They can lead to extensive external audits, hefty fines, legal actions, and a substantial loss of customer trust. \n\n\nIn severe cases, repeated or gross non-compliance can result in more drastic regulatory actions, including the revocation of licenses to operate in certain jurisdictions. Given the seriousness of these issues, I request the CFPB 's immediate intervention. Specifically, I seek : - Prompt resolution of the pending charges on my account so I can close it. \n- A thorough investigation into Synchrony Bank 's compliance with data accuracy and protection laws, especially in light of California 's CCPA and CPRA.\n\n- Assurance of measures to prevent similar issues in the future.","date_sent_to_company":"2023-12-21T14:07:32.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"63119","tags":null,"has_narrative":true,"complaint_id":"8043148","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-12-21T13:47:40.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["<em>Non-Compliance</em> with Data Protection Laws : The persistent issues with my account at Synchrony Bank have raised significant concerns about their adherence to various data protection and financial regulations."]},"sort":[14.546827,"8043148"]},{"_index":"complaint-public-v1","_id":"9271934","_score":14.5346575,"_source":{"product":"Mortgage","complaint_what_happened":"I caught XXXX twice during the month of XXXX. I was ill and unable to work ( self-employed ) and I was focused on healing. I forgot to make a payment in XXXX. I remmebered on XX/XX/XXXX and I made payment. It did not process in their system until XX/XX/XXXX. As a result it got reported on my credit report and I lost XXXX points. I am asking for relief and forgiveness because COVID-19 had me ill and unable to work. \n\nHave not been late for a payment in over a decade.","date_sent_to_company":"2024-06-16T12:29:20.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"70461","tags":null,"has_narrative":true,"complaint_id":"9271934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"STANDARD MORTGAGE CORPORATION","date_received":"2024-06-16T12:17:43.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"company":["<em>STANDARD</em> MORTGAGE CORPORATION"]},"sort":[14.5346575,"9271934"]},{"_index":"complaint-public-v1","_id":"8243312","_score":14.5346575,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/2023 I paid my XXXX mortgage payment. Standard mortgage incorrectly applied those funds to my escrow account. I reported the error. The company refused to fix the error. XXXX XXXX XXXX, was very disrespectful and racially discriminatory during our meeting ( which I recorded ). On XX/XX/2023 I made an additional payments that exceeded both XXXX and XXXX mortgage payments. I have reached out to the company 2 times to get a clear explanation of how funds have been applied and requested corrections. I was told several times I will receive a call from XXXX ( VP of customer relations ) and XXXX ( collections manager ) neither has called but a late payment had been reported to my credit report. XXXX refused to give me a business card, NMLS  number or identify himself in any way other than to say hes the boss.","date_sent_to_company":"2024-01-30T04:06:52.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"70127","tags":null,"has_narrative":true,"complaint_id":"8243312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"STANDARD MORTGAGE CORPORATION","date_received":"2024-01-30T03:45:37.000Z","state":"LA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["<em>Standard</em> mortgage incorrectly applied those funds to my escrow account. I reported the error. The company refused to fix the error. XXXX XXXX XXXX, was very disrespectful and racially discriminatory during our meeting ( which I recorded ). On XX/XX/2023 I made an additional payments that exceeded both XXXX and XXXX mortgage payments. I have reached out to the company 2 times to get a clear explanation of how funds have been applied and requested corrections."],"company":["<em>STANDARD</em> MORTGAGE CORPORATION"]},"sort":[14.5346575,"8243312"]},{"_index":"complaint-public-v1","_id":"5481277","_score":14.5346575,"_source":{"product":"Mortgage","complaint_what_happened":"1 ) the company gave me no notification that they were the new owner of my loan.\n\n2 ) the company support phone line and email will not answer 3 ) they have no option to go paperless 4 ) I signed up for auto draft on the XXXX of each month, but they will not draft. I have to call and leave voicemails on the support line each day for 5 days after my draft until it is drafted. \n5 ) they do not allow me to make one time, lump sum payments towards my principal","date_sent_to_company":"2022-04-21T06:16:15.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"78702","tags":null,"has_narrative":true,"complaint_id":"5481277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"STANDARD MORTGAGE CORPORATION","date_received":"2022-04-21T06:08:43.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"company":["<em>STANDARD</em> MORTGAGE 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