{"took":101,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":802,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3327470","_score":17.812643,"_source":{"product":"Student loan","complaint_what_happened":"Consolidated loans and while all loans show paid off on the XXXX  website there was a balance still standing on the Navient side. \nThey had me re add the loan on their end and not on student loans. \nThey argue that the XXXX  doesn't usually have the accurate loan amount and therefore it created that discrepancy. Also I didn't apply for any pay as you earn program due to Navient telling me I didn't qualify for it, but because of the issue with the amount of the loan remaining they added me to that repayment program and lower the payment down. So the main issue is the way is was handler and how little to no information is about whats int he students loans web site from what Navient has. Now I'm dealing with this.","date_sent_to_company":"2019-08-02T17:09:06.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"85339","tags":null,"has_narrative":true,"complaint_id":"3327470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-08-02T17:00:57.000Z","state":"AZ","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Also I <em>didn</em>'t <em>apply</em> for any pay as you earn program due to Navient telling me I <em>didn</em>'t qualify for it, but because of the <em>issue</em> with the amount of the <em>loan</em> remaining they added me to that repayment program and lower the payment down. So the main <em>issue</em> is the way is was handler and how little to no information is about whats int he students <em>loans</em> web site from what Navient has. Now I'm dealing with this."],"product":["Student <em>loan</em>"],"sub_product":["Federal student <em>loan</em> servicing"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[17.812643,"3327470"]},{"_index":"complaint-public-v1","_id":"10892632","_score":16.44586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been trying to place a credit freeze through Transunion, but there's always error message. Even after downloading the app, the issues persisted. \nRecently I started getting emails from different lenders regarding a loan ( that I didn't apply for ) I wanted to protect myself and while other XXXX bureaus froze my credit without any issues, Transunion is repeatedly giving me error messages.","date_sent_to_company":"2024-11-21T15:38:15.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"63123","tags":null,"has_narrative":true,"complaint_id":"10892632","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-21T15:31:22.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> been trying to place a credit freeze through Transunion, but there's always error message. Even after downloading the app, the <em>issues</em> persisted. \nRecently I started getting emails from different lenders regarding a <em>loan</em> ( that I <em>didn</em>'t <em>apply</em> for ) I wanted to protect myself and while other XXXX bureaus froze my credit without any <em>issues</em>, Transunion is repeatedly giving me error messages."]},"sort":[16.44586,"10892632"]},{"_index":"complaint-public-v1","_id":"5417351","_score":16.082874,"_source":{"product":"Mortgage","complaint_what_happened":"I applied for a loan modification for my home since XXXX and have been steadily denied help to avoid foreclosure. PHH Mortgage has constantly been denying my application for three years, stating that I have been missing documents or there have been problems with the mortgage title. They denied my loan modification after waiting a month for information on whether it had been approved or not. According to Civil Code section 2924.10, a servicer must notify you within five business days of any missing information, other errors, and deadlines for completing your application. PHH Mortgage has not done that and has waited a month to deny my application, stating that I did not send in the correct documentation. In XXXX, I applied for a loan modification, and it was approved. I made the trial payments on time, and then a month later, I was denied saying that there was a problem with the mortgage title. I called and asked them what the problem was, and they told me I had a lien on my mortgage title, but they didn't know what the lien was for. I was reassured I could apply again, and it would be approved. I have been applying since XX/XX/XXXX for a loan modification. A month after I apply, I will get notified that I am missing documents. In XXXX, I applied AGAIN for another loan modification. It was approved, and I started making the trial payments for three months on time. Also, in XXXX, a valuation was done on the property showing the TITLE/LEGAL ISSUES box was checked off as NO. On XX/XX/XXXX, I received a letter saying that my loan modification was denied AGAIN because I didn't send in my living trust. I applied again, faxing my living trust and a new loan modification application. I got a letter two weeks later stating that I submitted all the required documentation and that no further documentation was needed. Today on XX/XX/XXXX, I got a letter stating that the loan modification was denied because I didn't meet the agreement. I called PHH Mortgage, and they stated that I didn't show them proof that the lien was taken off the mortgage title. They never asked for more documentation other than what I had given them, and they sent a letter stating that they had all the documentation. I feel like this company is not trying to help its customers. PHH Mortgage has been sued twice before this as well. I am now facing foreclosure, and I am devasted and stressed.","date_sent_to_company":"2022-04-06T06:00:07.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"91405","tags":"Older American","has_narrative":true,"complaint_id":"5417351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2022-04-06T04:27:37.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In XXXX, I applied for a <em>loan</em> modification, and it was approved. I made the trial payments on time, and then a month later, I was denied saying that there was a problem with the mortgage title. I called and asked them what the problem was, and they told me I had a lien on my mortgage title, but they <em>didn</em>'t know what the lien was for. I was reassured I could <em>apply</em> again, and it would be approved. I <em>have</em> been <em>applying</em> since XX/XX/XXXX for a <em>loan</em> modification."]},"sort":[16.082874,"5417351"]},{"_index":"complaint-public-v1","_id":"16894843","_score":16.023603,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> western finance ran my credit for a loan that I didn't authorize and called me to finalize. I told them I didn't apply for any loan. This made my credit score drop a lot. I contacted XXXX XXXX and they told me they need a letter from the lender to remove from my credit report ; therefore I contacted the local office and western shamrock, corp office with nothing but excuses and they refuse to return my voice mails. The lady at the corp office told me to submit an email which I did with no response. I did place a fraud alert on my report and she said that will do nothing. Im at a lose at what the do about this issue. I have worked very hard to build my credit up. I don't know anything about the loan, the amount or if the funds were released.","date_sent_to_company":"2025-10-29T20:46:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77340","tags":null,"has_narrative":true,"complaint_id":"16894843","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Western-Shamrock Corporation","date_received":"2025-10-29T20:25:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Im at a lose at what the do about this <em>issue</em>. I <em>have</em> worked very hard to build my credit up. I don't know anything about the <em>loan</em>, the amount or if the funds were released."]},"sort":[16.023603,"16894843"]},{"_index":"complaint-public-v1","_id":"5221351","_score":16.02063,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I applied for a new car auto loan at Penfed Credit Union and was pre-approved for the loan. Following the pre-approval, I made down payment for the car and tried completing the loan process. However, I was unable to complete the loan process as I was getting error messages. I reached out Penfed Credit Union customer service and I was informed that they have been experiencing technical system issues since XX/XX/XXXX and are unable to locate and authenticate a large volume of XXXX car models. Despite this being a known issue for more than 2 months, they still didn't provide any advance notice about this being a potential issue that could prevent the applicant from finalizing the loan. \n\nThis loan was for USD XXXX at 1.99 %. Due to Penfed Credit Union 's action, I have suffered a significant loss as I now need to apply through other banks at a higher rate of interest.","date_sent_to_company":"2022-02-14T23:23:21.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"5221351","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2022-02-14T23:12:36.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with signing the paperwork"},"highlight":{"complaint_what_happened":["Despite this being a known <em>issue</em> for more than 2 months, they still <em>didn</em>'t provide any advance notice about this being a potential <em>issue</em> that could prevent the applicant from finalizing the <em>loan</em>. \n\nThis <em>loan</em> was for USD XXXX at 1.99 %. Due to Penfed Credit Union 's action, I <em>have</em> suffered a significant loss as I now need to <em>apply</em> through other banks at a higher rate of interest."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Getting a <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[16.02063,"5221351"]},{"_index":"complaint-public-v1","_id":"5203202","_score":15.822629,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX - Won an offer to purchase a home at XXXX, TX XX/XX/XXXX - Got per-qualification letter XX/XX/XXXX - Application submitted, we had only XXXX days for financial approval and end date was XXXX XXXX XX/XX/XXXX - Initial Disclosure signed XX/XX/XXXX - Required documentation uploaded, at this point Guidance Residential verified that my co-signed property which was in forbearance is exited with XXXX trial payments, Guidance agent XXXX only told me that if I can only show XXXX payments done on forbearance property, I will get loan XXXX XXXX  sure. But he didn't told me that the documentation also need to be completed and mortgage statement have to reflect that, otherwise I would not apply loan without ensuring those documents. We showed him XXXX payments and he was okay with that, no more question asked until XXXX XXXX and its too late to save my {$10000.00} earnest money. \nXX/XX/XXXX - Rate locked to XXXX XXXX which was higher than others. \nXX/XX/XXXX - Loan was conditionally approved, we still have XXXX days left to deny the loan but Guidance Residential still didn't have any issue. \nXX/XX/XXXX - Home was appraised XXXX - XXXX ordered XXXX- Guidance Residential denied the loan based on the Forbearance property documentation issue. \n\nThe complain is, Guidance agent ensured that I will get loan only If I can show XXXX payments on the forbearance property, but they didn't tell me I need to have updated documentation and mortgage statement as proof, if they would told me that, I would not apply loan before I receive those documents. Now they denied me as I don't have those documents yet, and they did it when my financial approval period is over, and now I have to lose {$10000.00} earnest money. They deceived me. There should be a law to enforce Mortgage Lenders to deny loan within the financial approval time so that we don't lose earnest money. This happened XXXX times, please help.","date_sent_to_company":"2022-02-09T18:57:09.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"75023","tags":null,"has_narrative":true,"complaint_id":"5203202","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GUIDANCE RESIDENTIAL, LLC","date_received":"2022-02-09T18:06:43.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XX/XX/XXXX - <em>Loan</em> was conditionally approved, we still <em>have</em> XXXX days left to deny the <em>loan</em> but Guidance Residential still <em>didn</em>'t <em>have</em> any <em>issue</em>. \nXX/XX/XXXX - Home was appraised XXXX - XXXX ordered XXXX- Guidance Residential denied the <em>loan</em> based on the Forbearance property documentation <em>issue</em>."]},"sort":[15.822629,"5203202"]},{"_index":"complaint-public-v1","_id":"10224155","_score":15.664246,"_source":{"product":"Mortgage","complaint_what_happened":"This has been an ongoing issue with TD bank. I have a mortgage in my name and there have been several times where I made the payment- but for an undisclosed, indeterminate reason, it didn't go through and wasn't processed. TD does not inform me at ALL that the payment didn't go through. For a huge bank in the US, this isn't right. I will get a XXXXXXXX XXXX  correspondence weeks later- but by then they charge me a late fee even through I don't understand why they didn't inform me via text, email, or even faster mail sooner out of a customer courtesy or even a warning before the late fee applies. I ask for the late fee to be waived since I did put the payment in and I have always proved I had the funds for it to process- but they don't care. They said I only get one waiver for the service of the loan and they will not issue anymore, even though this is their fault for the lack of communication. They are unwilling to refund me the late fees for their processing problems when it looks good on my end, and they also refuse to fix this years long problem. \nThis is an FHA Loan- it's my first mortgage and I'm frustrated how hard they make the payment experience and also how they won't fix this, but push the late fees onto me.","date_sent_to_company":"2024-09-24T20:43:21.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"034XX","tags":null,"has_narrative":true,"complaint_id":"10224155","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2024-09-24T20:07:35.000Z","state":"NH","company_public_response":null,"sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["This has been an ongoing <em>issue</em> with TD bank. I <em>have</em> a mortgage in my name and there <em>have</em> been several times where I made the payment- but for an undisclosed, indeterminate reason, it <em>didn</em>'t go through and wasn't processed. TD does not inform me at ALL that the payment <em>didn</em>'t go through. For a huge bank in the US, this isn't right."]},"sort":[15.664246,"10224155"]},{"_index":"complaint-public-v1","_id":"6920093","_score":15.647615,"_source":{"product":"Mortgage","complaint_what_happened":"As of today XX/XX/2023, PHH Mortgage continues to mislead and prolong information needed to Apply for the XXXX XXXX XXXX XXXXXXXX. Ocwen is the origin loan servicer for my loan. PHH Mortgage Services ' information regarding my loan has multiple legal violations in which my mortgage payment her not accurately reported on my statement. A letter was sent to my home on XX/XX/2023 stating that I didn't give them legal consent for my fiance to get information which is totally false. I have given them written consent to allow my fiance to have consented to the information. PHH Mortgage Service continues to use tactics to not resolve issues that are being stated. XXXX XXXX from PHH Mortgage Services continues to avoid giving me the information requested. I have contacted PHH Mortgage Services for years and the refusal of providing the information requested was not provided. PHH Mortgage Services continue to violate the federal consumer financial protection act and state laws governing unfair and deceptive business practices. As of today XX/XX/2023, PHH Mortgage Services failed to promptly and accurately apply for my loan payments, failed to maintain accurate account statements, didn't provide accurate and timely information to me who sought information about loss mitigation services, such as loan modification, provide false or misleading information to me for loan transferred from other loan servicers, improperly denied loan modification several times to me, provided false and misleading reasons for denying loan modifications, failed to honor modifications that were already in process and that had been agreed to by prior lender and servicers that had transferred loans which was Ocwen my original servicer.","date_sent_to_company":"2023-05-02T23:49:55.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"20772","tags":null,"has_narrative":true,"complaint_id":"6920093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2023-05-02T23:19:55.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> given them written consent to allow my fiance to <em>have</em> consented to the information. PHH Mortgage Service continues to use tactics to not resolve <em>issues</em> that are being stated. XXXX XXXX from PHH Mortgage Services continues to avoid giving me the information requested. I <em>have</em> contacted PHH Mortgage Services for years and the refusal of providing the information requested was not provided."]},"sort":[15.647615,"6920093"]},{"_index":"complaint-public-v1","_id":"5402673","_score":15.505313,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I received an email with my full legal name, an old address, and content stating my loan was approved for XXXX. I did NOT apply for this loan. I reached out multiple times and was told they needed additional PII to look me up in the system. In the meantime, I submitted a XXXX  complaint and noticed that many folks have reported similar situations resulting in some of them paying money to stop the harassment in collecting loan proceeds for a loan they didn't even apply for. \n\nI finally spoke with XXXX in management today. He mentioned this is likely identity theft. He confirmed the funds were actually sent to an old XXXX account of mine. This account has been closed for years and the funds were returned. \n\nHere 's my issue. This isn't identity theft. In what world would a scammer use my actual email address and an old bank account that was actually mine and is now closed. This is likely a business model choice... \n\nI'd like to fight this as far as I need to. I did go through a terrible time in the past ( 15 years ago? ) with a few payday loan firms and I remember the endless fees and inability to pay them down. I thought these guys were ultimately run out of business, but it seems they are still alive. \n\nI'd like someone to investigate the actual loan app that they approved. I asked the company to send me a copy as well. I am in banking and understand underwriting. They didn't run a personal credit score or report for me. They didn't contact my place of employment, etc. hence why I believe this scam originates within the payday lender itself or something less obvious then just run of the mill identify theft. I'm morally outraged that this firm hides behind their tribal jurisdiction and is fleecing people.","date_sent_to_company":"2022-04-20T17:41:14.000Z","issue":"Received a loan you didn't apply for","sub_product":"Payday loan","zip_code":"02703","tags":null,"has_narrative":true,"complaint_id":"5402673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LDF Holdings, LLC","date_received":"2022-04-04T15:33:27.000Z","state":"MA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I received an email with my full legal name, an old address, and content stating my <em>loan</em> was approved for XXXX. I did NOT <em>apply</em> for this <em>loan</em>. I reached out multiple times and was told they needed additional PII to look me up in the system. In the meantime, I submitted a XXXX  complaint and noticed that many folks <em>have</em> reported similar situations resulting in some of them paying money to stop the harassment in collecting <em>loan</em> proceeds for a <em>loan</em> they <em>didn</em>'t even <em>apply</em> for."],"product":["Payday <em>loan</em>, title <em>loan</em>, or personal <em>loan</em>"],"issue":["Received a <em>loan</em> you didn't <em>apply</em> for"],"sub_product":["Payday <em>loan</em>"]},"sort":[15.505313,"5402673"]},{"_index":"complaint-public-v1","_id":"11404686","_score":15.33116,"_source":{"product":"Student loan","complaint_what_happened":"I have 2 issues : 1 : I XXXX  in XX/XX/XXXX and applied for the SAVE repayment program in XXXX thru my lender MOELA because the government is not processing applications now. I called, they confirmed they received the documents in their website. The majority of my loans are still in school deferment accumulating interests. I have 4 loans from 13 in the administrative deferment since XXXX because I have been calling incessantly to resolve the issue. My XXXX published my XXXX  date correctly, I requested info from XXXX several times and it's all correct, all my classmates that applied for the SAVE program are already in the new department of education forbearance, this happens after the 60 day admin forbearance, no interest accumulating until the SAVE plan situation resolves. I'm still accumulating interests in my loans because the lender says my XXXX made the mistake, but it's not true. I have struggled to get clear information from MOHELA since XXXX. Calling them is to wait 1 hour just to hear they can not do anything. Just today I called around XXXX XXXX  ET and after 1 hour waiting they transferred me to a supervisor that sent me to voice mail. \n\nIssue # 2 : in XXXX I received some money and I used to pay part of my loans. XXXX. After reviewing my loans I realized they they didn't apply the money to the loans I marked on their website, wich were the ones with higher interest rates. The loans were already published in theri system that's what I was able to pay they there. They told me an excuse on why they didn't do it which I don't consider proper.","date_sent_to_company":"2025-01-06T16:37:34.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"99654","tags":null,"has_narrative":true,"complaint_id":"11404686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-01-06T16:10:16.000Z","state":"AK","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["After reviewing my <em>loans</em> I realized they they <em>didn</em>'t <em>apply</em> the money to the <em>loans</em> I marked on their website, wich were the ones with higher interest rates. The <em>loans</em> were already published in theri system that's what I was able to pay they there. They told me an excuse on why they <em>didn</em>'t do it which I don't consider proper."],"product":["Student <em>loan</em>"],"sub_product":["Federal student <em>loan</em> servicing"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[15.33116,"11404686"]},{"_index":"complaint-public-v1","_id":"15377812","_score":15.275534,"_source":{"product":"Student loan","complaint_what_happened":"Information : Servicer - Mohela Loan ( s ) - $ XXXX XXXX & $ XXXX Sub loan This is a payment application issue that Mohela has refused to address/help correct. \n\nIssue : I was attempting to make a {$200.00} payment on XX/XX/year>. \nThis payment should have easily cleared up the outstanding interest ( {$26.00} in accrued interest on the $ XXXX load & {$110.00} in accrued interest on the $ XXXX loan ). \n\nMohela 's website refused to allow me to allocate specific amounts to the individual loans and defaulted to their XXXX XXXX screen. \nUpon getting to their XXXX XXXX screen, there are XXXX payment options ( apply to highest interest, prorate across loans, apply to highest balance, etc. ). \nAll XXXX of these options stated the same payment breakdown of {$180.00} going to the $ XXXX loan & {$12.00} going to the $ XXXX loan. \n\nThis would not cover the accrued interest so, I called Mohela to address this. \nAfter sitting on hold for approximately XXXX minutes, I was connected with a representative. \nAfter explaining my issue, I was told that my request was not possible and that it \" was just the way the system is. '' I was completely dismissed by the representative when I told them that I didn't want to let hundreds/thousands of dollars of interest to pile up on the $ XXXX loan. \n\nIn my mind, this is a deceptive practice by Mohela. People with student loans will jnever be able to keep up on interest & make progress towards paying off their loans. Loans will continue to rack up interest which then gets capitalized back into the loan and so on so forth. \n\nMy wife has student loans through XXXX and they allow me to apply payments as we wish, so that we can keep up on the accrued interest while also paying down principle.","date_sent_to_company":"2025-08-19T16:53:27.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"63301","tags":null,"has_narrative":true,"complaint_id":"15377812","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2025-08-19T16:29:13.000Z","state":"MO","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Information : Servicer - Mohela <em>Loan</em> ( s ) - $ XXXX XXXX & $ XXXX Sub <em>loan</em> This is a payment application <em>issue</em> that Mohela has refused to address/help correct. \n\n<em>Issue</em> : I was attempting to make a {$200.00} payment on XX/XX/year>. \nThis payment should <em>have</em> easily cleared up the outstanding interest ( {$26.00} in accrued interest on the $ XXXX load & {$110.00} in accrued interest on the $ XXXX <em>loan</em> )."],"product":["Student <em>loan</em>"],"sub_product":["Federal student <em>loan</em> servicing"]},"sort":[15.275534,"15377812"]},{"_index":"complaint-public-v1","_id":"3488719","_score":15.250638,"_source":{"product":"Student loan","complaint_what_happened":"I have multiple loans with AES and have a near perfect payment history with them. But in XX/XX/2019, I was out of the country and unknowingly missed a payment for which they reported me 30 days delinquent. The AESobile and online portal for paying loans is very tough to use and confusing to pay what is owed and also see what is timely versus what is late. Even XXXX reps will say it's confusing. This issue caused me to not apply payment properly to the right loan and pay the right amount. Hence I was short and they marked the loan late as I didn't pay until I returned in end of XXXX. I've tried to reach multiple people and get this remediated but noone is working with me. This is a huge issue and one payment is causing grief and credit score issues. Their platform for payment is completely misleading, and I'm suffering as a result of the confusion it caused. Furthermore I inquired immediately about if I can get a backdated forbearance around when this happened and they said it was not available. Multiple reasons why they should really remove my XXXX late mark","date_sent_to_company":"2020-01-08T08:26:37.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"08902","tags":null,"has_narrative":true,"complaint_id":"3488719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2020-01-08T03:11:23.000Z","state":"NJ","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I <em>have</em> multiple <em>loans</em> with AES and <em>have</em> a near perfect payment history with them. But in XX/XX/2019, I was out of the country and unknowingly missed a payment for which they reported me 30 days delinquent. The AESobile and online portal for paying <em>loans</em> is very tough to use and confusing to pay what is owed and also see what is timely versus what is late. Even XXXX reps will say it's confusing. This <em>issue</em> caused me to not <em>apply</em> payment properly to the right <em>loan</em> and pay the right amount."],"product":["Student <em>loan</em>"],"sub_product":["Private student <em>loan</em>"]},"sort":[15.250638,"3488719"]},{"_index":"complaint-public-v1","_id":"4046320","_score":15.210286,"_source":{"product":"Student loan","complaint_what_happened":"This company keeps billing me and then improperly applying my payments to the loan ( in different ways XXXX so that they can charge me late fees and ask me if I want a forebearance. They answer is \" NO! '' I have income based payment set up and I'm trying to pay off my loan. They are conducting predatory lending practices. \n\nI have been trying to make regular payments but each month there is a problem with Navient. They do not apply the payments properly to the loan and then they charge me late fees. When I've tried to pay old late fees, of which I believe have been charged improperly, they took the late payment and applied it to interest and not the late payment ( which they billed me for ). When I called to complain they agreed to refund me the money I sent in to pay the late payment. They then refunded the money and sent me another bill claiming I didn't pay last month 's bill and charged me more late fees. I'm on the phone with then now and they are looking into the most recent issue. They see that I made a regular payment last month but they screwed around with where they allocated the money so that it was not applied properly and now I have more fees. They are telling me they are going to fix it but this issue occurs every month. Every month, they send me a bill, I pay it in full, then they apply it in a way other than how they billed me. Then I get changed late fees and offer me forebearance. \n\nhis is all a trick to prevent me from paying off this loan and to extract more fees and interest from me. I need this situation with this company handled permanently. I did not agree to have my loans sent to this company. I need to the contact information to an agency or law firm who will investigate this issue in earnest. I'm not going to call these people to complain and fix the issue every month. I want this investigated and fixed or I'm going to take this even further.","date_sent_to_company":"2021-01-04T18:57:31.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"212XX","tags":null,"has_narrative":true,"complaint_id":"4046320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2021-01-04T18:49:33.000Z","state":"MD","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["This company keeps billing me and then improperly <em>applying</em> my payments to the <em>loan</em> ( in different ways XXXX so that they can charge me late fees and ask me if I want a forebearance. They answer is \" NO! '' I <em>have</em> income based payment set up and I'm trying to pay off my <em>loan</em>. They are conducting predatory lending practices. \n\nI <em>have</em> been trying to make regular payments but each month there is a problem with Navient."],"product":["Student <em>loan</em>"],"sub_product":["Federal student <em>loan</em> servicing"]},"sort":[15.210286,"4046320"]},{"_index":"complaint-public-v1","_id":"6786319","_score":15.202829,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I applied for a credit card that I was said to have outstanding approval odds for through discover it, upon applying for the card I was denied for \" insufficient credit history '', I attempted to inquire about how much credit history would be needed and they refused to answer, I am a young male, and I feel like this was an excuse to deny me for my age as I have XXXX other cards that all had no issues with my credit age and even a mortgage that didn't have any issues with credit age, yet they do, but can not tell me how much I would need. Discover needs to stop this discriminatory business practice and evaluate credit applications fairly, I have 100 % on time payments on 3 credit cards, a mortgage, a fully paid off personal loan, and a car loan.","date_sent_to_company":"2023-04-03T23:37:33.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"609XX","tags":null,"has_narrative":true,"complaint_id":"6786319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-04-03T23:28:23.000Z","state":"IL","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["I applied for a credit card that I was said to <em>have</em> outstanding approval odds for through discover it, upon <em>applying</em> for the card I was denied for \" insufficient credit history '', I attempted to inquire about how much credit history would be needed and they refused to answer, I am a young male, and I feel like this was an excuse to deny me for my age as I <em>have</em> XXXX other cards that all had no <em>issues</em> with my credit age and even a mortgage that <em>didn</em>'t <em>have</em> any <em>issues</em> with credit age, yet they do,"]},"sort":[15.202829,"6786319"]},{"_index":"complaint-public-v1","_id":"3562949","_score":15.125854,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I've submitted disputes over 10 times about my XXXX account being reported incorrectly. \n\n1st Issue I applied for one student loan and the student loan is paid monthly but they split my loan three ways because the one loan that I was approved for had three separate deposit dates to my school ; even though they were sent three different dates - It is still one loan that I signed off for and applied for- I didn't apply for three separate loans - So, it should've never appeared on my credit as three separate XXXX accounts. \n\n2nd Issue XXXX is currently with ONE LOAN reporting me as having 18 late payments for one loan and is reporting it as 3 separate loans with 6 missed payments each. Again, I did not individually go in and apply for three separate loans. I applied for one loan. Example being : Car company can't give you a loan and split it three ways and say one is for suspension, one for engine, and one for transmission. It is one car. Regardless of the multiple components it is one car. Why is my ONE loan being reported as three ; bullying me into handing me 18 missed payments for the reality of what should've been reported as 6 missed payments 3rd Issue XXXX signed off and gave me a XXXX Hardship Forbearance. Regardless of when that was submitted - Law states that any information that is supplied to support credit issues should be updated immediately. I've submitted a XXXX forbearance letter that is for the full 6 months of late payments XXXX gave me. \n\nThose late payments should all be blank dates on credit report because they were placed under hardship forbearance","date_sent_to_company":"2020-03-11T21:07:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21239","tags":null,"has_narrative":true,"complaint_id":"3562949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-03-11T21:07:19.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["separate XXXX accounts. \n\n2nd <em>Issue</em> XXXX is currently with ONE <em>LOAN</em> reporting me as <em>having</em> 18 late payments for one <em>loan</em> and is reporting it as 3 separate <em>loans</em> with 6 missed payments each."]},"sort":[15.125854,"3562949"]},{"_index":"complaint-public-v1","_id":"3563071","_score":15.114709,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I've submitted disputes over 10 times about my XXXX account being reported incorrectly. \n\n1st Issue I applied for one student loan and the student loan is paid monthly but they split my loan three ways because the one loan that I was approved for had three separate deposit dates to my school ; even though they were sent three different dates - It is still one loan that I signed off for and applied for- I didn't apply for three separate loans - So, it should've never appeared on my credit as three separate XXXX accounts. \n\n2nd Issue XXXX is currently with ONE LOAN reporting me as having 18 late payments for one loan and is reporting it as 3 separate loans with 6 missed payments each. Again, I did not individually go in and apply for three separate loans. I applied for one loan. Example being : Car company can't give you a loan and split it three ways and say one is for suspension, one for engine, and one for transmission. It is one car. Regardless of the multiple components it is one car. Why is my ONE loan being reported as three ; bullying me into handing me 18 missed payments for the reality of what should've been reported as 6 missed payments 3rd Issue XXXX signed off and gave me a XXXX Hardship Forbearance. Regardless of when that was submitted - Law states that any information that is supplied to support credit issues should be updated immediately. I've submitted a XXXX forbearance letter that is for the full 6 months of late payments XXXX gave me. \n\nThose late payments should all be blank dates on credit report because they were placed under hardship forbearance","date_sent_to_company":"2020-03-11T21:07:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21239","tags":null,"has_narrative":true,"complaint_id":"3563071","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-03-11T20:51:19.000Z","state":"MD","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["separate XXXX accounts. \n\n2nd <em>Issue</em> XXXX is currently with ONE <em>LOAN</em> reporting me as <em>having</em> 18 late payments for one <em>loan</em> and is reporting it as 3 separate <em>loans</em> with 6 missed payments each."]},"sort":[15.114709,"3563071"]},{"_index":"complaint-public-v1","_id":"2823197","_score":15.102966,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"It is not the denial that is the issue. i was told that if I applied and got denied for that term I could apply for a different term and not re-run my credit. Well i was going to add my husband and all of a sudden they wanted to re-run my credit. I didn't do it but I wouldn't have let them in first place and why i asked, they said my credit was good for 30 days then that changed. This same bank ran our credit twice for a mortgage loan. these multiple hits hurt us and I do not agree with this.","date_sent_to_company":"2018-02-22T23:23:58.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"85032","tags":null,"has_narrative":true,"complaint_id":"2823197","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2018-02-22T23:11:13.000Z","state":"AZ","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["It is not the denial that is the <em>issue</em>. i was told that if I applied and got denied for that term I could <em>apply</em> for a different term and not re-run my credit. Well i was going to add my husband and all of a sudden they wanted to re-run my credit. I <em>didn</em>'t do it but I wouldn't <em>have</em> let them in first place and why i asked, they said my credit was good for 30 days then that changed. This same bank ran our credit twice for a mortgage <em>loan</em>. these multiple hits hurt us and I do not agree with this."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Getting a <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[15.102966,"2823197"]},{"_index":"complaint-public-v1","_id":"4625057","_score":15.0932,"_source":{"product":"Mortgage","complaint_what_happened":"I contacted the Pennsylvania Fin Agency ( PHFA ) to apply for a forbearance as it relates to the CARES Act during the COVID Pandemic. At first I was given the runaround and was told that this mortgage company wasn't issuing forbearances. I called back the next day, and I was offered a forbearance ; when I inquired about extending the forbearance, I was offered a HUD loan and was told that was my only option. I was pretty frustrated with the option. I could not understand why I was offered a loan when I was already looking for some assistance with my 1st loan. Because the PHFA didn't offer any assistance at the time beyond another loan during my hardship with the pandemic, they continuously report my loan in the negative to the 3 credit bureaus while I struggled to pay my mortgage on time. Under the CARES Act, they were supposed to provide some assistance so my credit could have been protected from negative reporting, and that didn't happen with PFHA. They continued to report me in the negative from XX/XX/XXXX-XX/XX/XXXX. They never offered me another forbearance until last week. \n\nMy other mortgage company has been very accommodating.","date_sent_to_company":"2021-08-12T17:12:34.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"083XX","tags":null,"has_narrative":true,"complaint_id":"4625057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNSYLVANIA HOUSING FINANCE AGENCY","date_received":"2021-08-12T16:20:29.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I contacted the Pennsylvania Fin Agency ( PHFA ) to <em>apply</em> for a forbearance as it relates to the CARES Act during the COVID Pandemic. At first I was given the runaround and was told that this mortgage company wasn't <em>issuing</em> forbearances. I called back the next day, and I was offered a forbearance ; when I inquired about extending the forbearance, I was offered a HUD <em>loan</em> and was told that was my only option. I was pretty frustrated with the option."]},"sort":[15.0932,"4625057"]},{"_index":"complaint-public-v1","_id":"3008356","_score":15.085507,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I traded in my car on XX/XX/XXXX. The dealer got a 10-day payoff. GM Financial also pulled another auto payment on XX/XX/XXXX, three days after the car was traded. This resulted in a {$1300.00} overpayment. \n\nGM Financial received the payment from the dealer and the car was paid off a few days after my payment was pulled. On XX/XX/XXXX, I called and requested that a refund be issued or that the overpayment be applied to my new loan. \n\nHow long can they hold my money before issuing the refund or applying the funds? \n\nI was told they hold it 30 days unless I go to the dealer and have them send a copy of the front and back of the cancelled check and send them my bank statement showing the funds have cleared. My payment was an ACH payment initiated by them 10 days ago. They should have a way to verify it has cleared with having access to my personal banking information. I also am frustrated they have to mail a paper check when I have never paid them in that manner. \n\nOverall, I feel like this is a stalling technique even though my payments to them have always been on time. Even if they didn't want to refund it right away, why couldn't they simply apply it to my new loan? They would still have the money. Now I'm paying interest on {$1300.00} more than I should have to on that loan because they are holding my money hostage. I feel like this is an unfair trade practice because they are refusing to refund my money or apply that money to the loan for which they are collecting interest.","date_sent_to_company":"2018-09-02T12:55:21.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"460XX","tags":null,"has_narrative":true,"complaint_id":"3008356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2018-09-02T12:14:33.000Z","state":"IN","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["They should <em>have</em> a way to verify it has cleared with <em>having</em> access to my personal banking information. I also am frustrated they <em>have</em> to mail a paper check when I <em>have</em> never paid them in that manner. \n\nOverall, I feel like this is a stalling technique even though my payments to them <em>have</em> always been on time. Even if they <em>didn</em>'t want to refund it right away, why couldn't they simply <em>apply</em> it to my new <em>loan</em>? They would still <em>have</em> the money."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Problems at the end of the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["Unable to receive car title or other problem after the <em>loan</em> is paid off"]},"sort":[15.085507,"3008356"]},{"_index":"complaint-public-v1","_id":"6597838","_score":15.00728,"_source":{"product":"Mortgage","complaint_what_happened":"My mortgage loan was transferred to Newrez in late XXXX. I was informed that my automatic payment authorization would transfer, I didn't expect this to be accurate so I manually made a payment in XX/XX/XXXX. I enrolled on their site in autopay and had hoped that this would work. However, Newrez refuses to draft my monthly mortgage payment, and instead calls me after the grace period and after additional interest is accrued on my loan. They further refuse to apply my payment retroactively. Going forward I wont trust their auto pay and will verify my payment is made, but I ask that Newrez apply my XXXX and XX/XX/XXXX mortgage payment retroactively to the XXXX of the respective month. This is clear UDAAP practices given my inability to avoid the harm they are creating. \n\nI last spoke with XXXX XXXX who confirmed that there was a temporary autopay hold on my account that was supposed to have been removed on XXXX, but was not that prevented my XX/XX/XXXX payment from being drafted on XXXX and that there was a technical issues that prevented my XXXX payment from being collected. I was never contacted about the technical issue.","date_sent_to_company":"2023-02-21T21:18:54.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"6597838","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2023-02-21T20:51:15.000Z","state":"TX","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":null},"highlight":{"complaint_what_happened":["My mortgage <em>loan</em> was transferred to Newrez in late XXXX. I was informed that my automatic payment authorization would transfer, I <em>didn</em>'t expect this to be accurate so I manually made a payment in XX/XX/XXXX. I enrolled on their site in autopay and had hoped that this would work. However, Newrez refuses to draft my monthly mortgage payment, and instead calls me after the grace period and after additional interest is accrued on my <em>loan</em>. They further refuse to <em>apply</em> my payment retroactively."]},"sort":[15.00728,"6597838"]},{"_index":"complaint-public-v1","_id":"4791175","_score":14.905924,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2021 at XXXX XXXX  I received an email from a company called Prosper about a denied loan application that I didn't apply for, it went on to further explain to check my XXXX credit agency if the report was inaccurate. I first called Prosper and asked them about the email I just received from them, They went on to explain that they did not have anything on file that I applied for a loan. I also called XXXX to ask if they seen a Hard Inquiry on my Report, and they also stated that they did not see anything as well. \nI don't feel easy about this due to they emailed me on my private business server. Can you please investigate this issue due to the fact that someone or something allowed me to receive that email?","date_sent_to_company":"2021-10-07T12:29:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23188","tags":null,"has_narrative":true,"complaint_id":"4791175","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Prosper Marketplace, Inc.","date_received":"2021-10-07T11:53:06.000Z","state":"VA","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":["On XX/XX/2021 at XXXX XXXX  I received an email from a company called Prosper about a denied <em>loan</em> application that I <em>didn</em>'t <em>apply</em> for, it went on to further explain to check my XXXX credit agency if the report was inaccurate. I first called Prosper and asked them about the email I just received from them, They went on to explain that they did not <em>have</em> anything on file that I applied for a <em>loan</em>."]},"sort":[14.905924,"4791175"]},{"_index":"complaint-public-v1","_id":"6967206","_score":14.815661,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX I went to purchase a specific XXXX Travel trailer  model XXXX. I used the suggested dealers bank to apply for a loan that was approved for the financed amount. On this day, I signed the purchase and loan agreement and took the travel trailer home. Come to find out, the travel trailer is a XXXX. I specifically wanted a XXXX or older due to the manufacturing and quality issued that were resulted form XXXX. The Bank funded the dealer for a travel trailer that I didn't sign for. I signed for a XXXX model and receive a XXXX. I tried to return the travel trailer and the dealer will not accept it and as a result, I will also file a complaint with the Federal Trade Commission. In the mean time, I have a loan under my name that I did not sign a loan for. I contacted the bank to advise them that they funded a loan without having a legal documented agreement and they said there's nothing we can do. I have tried to resolve an issue that the bank has created by not verifying the asset 's manufacture date and I have exhausted my avenues. I need the governments help with this case. I will attached the purchase and loan agreement as well as my communication with the dealer and bank that also mentions that this travel trailer is not functional.","date_sent_to_company":"2023-05-11T15:34:04.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"33126","tags":null,"has_narrative":true,"complaint_id":"6967206","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2023-05-11T15:02:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["In the mean time, I <em>have</em> a <em>loan</em> under my name that I did not sign a <em>loan</em> for. I contacted the bank to advise them that they funded a <em>loan</em> without <em>having</em> a legal documented agreement and they said there's nothing we can do. I <em>have</em> tried to resolve an <em>issue</em> that the bank has created by not verifying the asset 's manufacture date and I <em>have</em> exhausted my avenues. I need the governments help with this case."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[14.815661,"6967206"]},{"_index":"complaint-public-v1","_id":"22157056","_score":14.614062,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year> PayPal issued a payment to XXXX for XXXX it was unauthorized they sent me an email the same day saying my account was temporary locked and that I needed to log in to unlock it this transaction was made with pay later which is some type of loan that I did not apply for I have continuously appealed and on the phone transferred transferred again appeal again multiple phone calls I have continued to be persistent and they say that they deny my claim because it's consistent with my usage history and from my IP address.I have not used this account in over a year I never spent {$2000.00} and I would never borrow that money from PayPal for any service I have no idea what XXXX produces and I don't know how they opened an account under my name. when I contacted XXXX they said that there was a chargeback and they didn't have the funds to return sounds like they didn't ever receive them and PayPal is not being very helpful so I'm filing this complaint I did not get any notifications about a loan being taken out my name and I did not fill out the application I didn't agree to any of this and I have reported it being fraud and I feel like XXXX is a complete scam as well and they are not helpful. XXXX  said there was an intangible service provided called a gig which I did not authorize or receive.","date_sent_to_company":"2026-05-13T14:24:30.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"553XX","tags":null,"has_narrative":true,"complaint_id":"22157056","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-05-13T14:05:52.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/year> PayPal <em>issued</em> a payment to XXXX for XXXX it was unauthorized they sent me an email the same day saying my account was temporary locked and that I needed to log in to unlock it this transaction was made with pay later which is some type of <em>loan</em> that I did not <em>apply</em> for I <em>have</em> continuously appealed and on the phone transferred transferred again appeal again multiple phone calls I <em>have</em> continued to be persistent and they say that they deny my claim because it's consistent with my usage"]},"sort":[14.614062,"22157056"]},{"_index":"complaint-public-v1","_id":"4920599","_score":14.569431,"_source":{"product":"Mortgage","complaint_what_happened":"I incurred financial losses by using XXXX to apply for a mortgage purchase on a single family home. The main issue I dealt with is the loan officer assigned to me has been out of the office for the last 10-15 days on a family emergency, which is understandable.. however the last 10-15 days is a critical time to gather all necessary documentation and explanations to underwriters to close. Better, didn't assign me another loan officer to facilitate the transaction, and now I will not close on time and will lose my contract on the home purchase. This has not only cost me valuable time ( which is much more valuable than money ), but also a portion of my non refundable earnest deposit on the home and the appraisal cost charged to me by XXXX Had they cared about me as a consumer and assigned me a proper and available loan officer we would have been able to close on time and I wouldn't have incurred any losses throughout this transaction. Competent Loan officers are critical to the closing of loans to provide explanations of to underwriters, when they aren't available theres not way for the consumer to speak with the underwriters due to current loan regulations. It is my belief had they provided me the necessary personel we would have closed on time with no issue.","date_sent_to_company":"2021-12-06T17:42:11.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"85142","tags":null,"has_narrative":true,"complaint_id":"4920599","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Better Mortgage, Inc.","date_received":"2021-11-17T18:38:00.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Competent <em>Loan</em> officers are critical to the closing of <em>loans</em> to provide explanations of to underwriters, when they aren't available theres not way for the consumer to speak with the underwriters due to current <em>loan</em> regulations. It is my belief had they provided me the necessary personel we would <em>have</em> closed on time with no <em>issue</em>."]},"sort":[14.569431,"4920599"]},{"_index":"complaint-public-v1","_id":"6288651","_score":14.533906,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"In the begging of XXXX  a sales representative from XXXX XXXX XXXX came to my door and spoke to my then husband, XXXX XXXX was convinced to buy solar panels with XXXX. I did not agree and told XXXX that it was a bad idea. I did not want the solar panels, however XXXX continued to coordinate with the XXXX  XXXX XXXX told me that he would pay for the panels and handle everything. XXXX  signed all of the paperwork and loan forms. A few months later XXXX and I split up and then I got a call from Goodleap ( the loan company that XXXX used ) saying that I owe on my loan. I was not aware that there was a loan in my name as I did not apply for a loan, agree to one, or sign any contracts. I found out that the loan was for {$95000.00} and that it was for the solar panels that I didn't even want. J states that when he signed the forms that they were enlarged on an XXXX for him to sign and initial, therefore he says that he did not see that it was in my name. The loan is in my name with my SS number, XXXX 's bank account info., phone number, initials, and signature. After going over the details with the Goodleap fraud department, the issue has still not been resolved and I am still being asked to pay for a loan that I did not agree to, apply for, or sign for. It has been four months since this issue has been under investigation for fraud and I still don't have an answer. I am being told/ threatened by Goodleap representatives that this will effect my credit if I don't make the payments. My credit has always been good, so this is very stressful and upsetting to me.","date_sent_to_company":"2022-12-06T16:16:15.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Personal line of credit","zip_code":"77346","tags":null,"has_narrative":true,"complaint_id":"6288651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paramount GR Holdings, LLC","date_received":"2022-12-06T15:42:22.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The <em>loan</em> is in my name with my SS number, XXXX 's bank account info., phone number, initials, and signature. After going over the details with the Goodleap fraud department, the <em>issue</em> has still not been resolved and I am still being asked to pay for a <em>loan</em> that I did not agree to, <em>apply</em> for, or sign for. 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