{"took":180,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":69,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2071835","_score":22.074451,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX 2016 I called Ditech to make an almost {$2000.00} payment to my escrow account. The XXXX made a mistake and applied it as a payment to the mortgage even though I was 2 months ahead on payments.. I called Ditech in XXXX and brought the problem to their attention and they said they would fix it. They for some reason added {$5200.00} to my mortgage balance and never added my original payment to the escrow account. They have n't been able to explain what happened to the {$2000.00} or where it is. I talked with XXXX ( XXXX manager ) in XXXX and she said that the missing interest would be calculated and added to the balance and the mortgage and escrow accounts corrected. I am still waiting .... I asked XXXX several times where the amount of {$5200.00} came from and she would only say that it was a redistribution and could never explain to me the details of the actual amount of money or why my mortgage balance increased by that amount. I asked XXXX why my balance increased by the amount of {$5200.00} and she kept repeating that it was a redistribution - that does not answer my question. I asked XXXX to mail a letter explaining the redistribution, why the amount of {$5200.00} was added to my balance, and where the {$2000.00} went to ; of course she did not do what she told me she was going to do. \n\nThis problem has been going on since XXXX and Ditech lacks the competence and knowledge to correct their own problem and the only way I find out they are padding their profits and books is by me closely watching my balance. The amount of {$5200.00} plus the almost {$2000.00} needs to be reapplied back into my account, plus interest since XXXX. I also want an written explanation of what caused the problem, what they have done to correct it, why the actual dollar amount ( {$5200.00} ) was added to my balance, where the {$2000.00} escrow payment is, and what are they doing to guarantee this will not occur in the future. \n\nThere should also be fines and fees charged against Ditech. If I owed Ditech over {$7200.00}, plus interest, they would have their lawyers camping at my front door.","date_sent_to_company":"2016-08-19T17:49:12.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"28451","tags":null,"has_narrative":true,"complaint_id":"2071835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2016-08-19T17:49:11.000Z","state":"NC","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":null},"highlight":{"complaint_what_happened":["I also want an written explanation of <em>what</em> caused the <em>problem</em>, <em>what</em> they <em>have</em> <em>done</em> to <em>correct</em> it, why the <em>actual</em> <em>dollar</em> amount ( {$5200.00} ) was added to my balance, where the {$2000.00} escrow payment is, and <em>what</em> are they doing to guarantee this will not occur in the future. \n\nThere should also be fines and fees charged against Ditech. If I owed Ditech over {$7200.00}, plus interest, they would <em>have</em> their lawyers camping at my front door."]},"sort":[22.074451,"2071835"]},{"_index":"complaint-public-v1","_id":"2810478","_score":17.033941,"_source":{"product":"Checking or savings account","complaint_what_happened":"Here 's the complaint I sent to First Citizens Bank. They have done this to me before. They totally ignore overdraft protection and steal money from me. I'm done with this theft on their part : I have been a customer of First Citizens for nearly 30 years, and I have highly dissatisfied at First Citizens for an action on their part which falls under the heading of Unfair Trade Practices. And, if the situation is not rectified to my satisfaction, I will file a complaint with the Federal Trade Commission detailing my grievance concerning this matter. \n\nI have been charged an \" Over Draft Fee '' when I should not have been charged such a fee according to the agreement with First Citizens bank. The overdraft protection in question prevented any charges to my account which would result in an overdraft charge and would hold any payments until sufficient funds were deposited in said account. This has been in place for upwards of 10 years and my bank statements prove the application of this practice. This overdraft protection was applied by the branch manager at the XXXX, North Carolina branch many years ago. In other words, I have absolute proof that this particular overdraft protection has been in place, as arranged by the branch manager, for several years. \n\nHere 's where the problem really begins and which should be a matter of concern to First Citizens Bank on any number of levels : At XXXX XXXX this evening, I called First Citizens Bank 's Customer Service Center to complain about what was done. The  person I spoke with claimed I had \" denied '' overdraft protection at some unknown time in the past. This is false. Overdraft protection was arranged with the branch manager and has been applied in practice for the past several years as per the said agreement. Again, my bank statements show this to be true. \n\nThen, said person said that if I did not pay the fee and filed an complaint with the federal government concerning this unfair practice First Citizens Bank would \" retroactively '' charge me with all the fees they chose not to charge me. I consider this a threat and an act of intimidation. \n\nI will contact my branch of the bank to ask them to correct this matter and failing rectification of the matter, I fully intend to file civil suit for the {$36.00} overdraft fee and any consequential fees the bank intends to wrongly and unlawfully apply. It will cost me {$50.00} dollars to file a complaint in small claims court, but at this point, it's a matter of principle considering the other untowardly things First Citizens Bank has recently tried to pull on me ( which largely involves delaying the posting of cash deposits and delaying the deposits of checks drawn on First Citizens Bank for immediate deposit another First Citizens Bank account beyond what is reasonable, meaning several days. It is reasonable to assume that a check drawn of First Citizens Bank to be transferred from one account to another would be determined to be a good check and be deposited in a reasonable amount of time, not four or more days thus causing a potential overdraft situation in a deliberate fashion in a way that violates actual overdraft protections in place as demonstrated and proved by bank statements.\n\nIf a bank manager, acting as a duly constituted agent of said bank acting on behalf bank, extended overdraft protection and I accepted such an arrangement in good faith, and such arrangement has been applied in practice, even in contradiction of bank policy, that is not my problem. It is the bank 's problem and the bank should oblige to said agreement made by their agent. And I expect it to be applied to my account. \n\n{$36.00} dollars isn't much to a big bank, but it's a lot of money for me, especially when a bank tries to wring it out of me in violation of an overdraft agreement extended by an agent of that bank and applied by the bank consistently for the past several years. \n\nYou may contact me by email or by phone at ( XXXX ) XXXX any time you wish concerning this matter, but I will be filing complaints with the FTC and in civil court by noon tomorrow if the bank branch can not correct this violation of trust and fair trade.","date_sent_to_company":"2018-02-12T07:50:22.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"287XX","tags":null,"has_narrative":true,"complaint_id":"2810478","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"FIRST CITIZENS BANCSHARES, INC.","date_received":"2018-02-12T02:21:47.000Z","state":"NC","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["They <em>have</em> <em>done</em> this to me before. They totally ignore overdraft protection and steal money from me. I'm <em>done</em> with this theft on their part : I <em>have</em> been a customer of First Citizens for nearly 30 years, and I <em>have</em> highly dissatisfied at First Citizens for an action on their part which falls under the heading of Unfair Trade Practices."],"issue":["<em>Problem</em> caused by your funds being low"]},"sort":[17.033941,"2810478"]},{"_index":"complaint-public-v1","_id":"4254374","_score":15.572832,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So basically the week of XX/XX/21 I called XXXX and asked how can I get late payments from student loans off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on XXXX XXXX part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their XXXX & XXXX XXXX to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX XXXX and confirmed that the rep didn't \" clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. \n\nAfter that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up correctly one hundred percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. \n\nI and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.","date_sent_to_company":"2021-03-30T06:18:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75243","tags":null,"has_narrative":true,"complaint_id":"4254374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-03-30T02:18:02.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This is a <em>problem</em> because as a consumer I <em>have</em> the right to know <em>what</em> and <em>what</em> isn't accepted by their company. Before I wrote the letter, the rep should <em>have</em> told me they letter would mean nothing. \n\nAfter that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up <em>correctly</em> one hundred percent."]},"sort":[15.572832,"4254374"]},{"_index":"complaint-public-v1","_id":"4254373","_score":15.572832,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So basically the week of XX/XX/21 I called XXXX and asked how can I get late payments from student loans off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on XXXX  ' part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their CEO & CFO ) to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX ) and confirmed that the rep didn't \" clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. \n\nAfter that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up correctly XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. \n\nI and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.","date_sent_to_company":"2021-03-30T06:18:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75243","tags":null,"has_narrative":true,"complaint_id":"4254373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-03-30T02:18:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This is a <em>problem</em> because as a consumer I <em>have</em> the right to know <em>what</em> and <em>what</em> isn't accepted by their company. Before I wrote the letter, the rep should <em>have</em> told me they letter would mean nothing. \n\nAfter that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up <em>correctly</em> XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus."]},"sort":[15.572832,"4254373"]},{"_index":"complaint-public-v1","_id":"4255113","_score":15.552667,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So basically the week of XX/XX/21 I called Navient and asked how can I get late payments from XXXX XXXX off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on Navients ' part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their XXXX & XXXX XXXX to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX XXXX and confirmed that the rep didn't \" clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. \n\nAfter that didn't work I disputed my XXXX XXXX and XXXX collection entirely because the information across all three bureaus don't match up correctly XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. \n\nI and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.","date_sent_to_company":"2021-03-30T06:17:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75243","tags":null,"has_narrative":true,"complaint_id":"4255113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2021-03-30T01:38:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This is a <em>problem</em> because as a consumer I <em>have</em> the right to know <em>what</em> and <em>what</em> isn't accepted by their company. Before I wrote the letter, the rep should <em>have</em> told me they letter would mean nothing. \n\nAfter that didn't work I disputed my XXXX XXXX and XXXX collection entirely because the information across all three bureaus don't match up <em>correctly</em> XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus."]},"sort":[15.552667,"4255113"]},{"_index":"complaint-public-v1","_id":"4254370","_score":15.521563,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So basically the week of XX/XX/21 I called XXXX and asked how can I get late payments from student loans off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on XXXX  ' part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their CEO & CFO ) to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX ) and confirmed that the rep didn't \" clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. \n\nAfter that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up correctly XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. \n\nI and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.","date_sent_to_company":"2021-03-30T06:18:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75243","tags":null,"has_narrative":true,"complaint_id":"4254370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-03-30T02:18:02.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This is a <em>problem</em> because as a consumer I <em>have</em> the right to know <em>what</em> and <em>what</em> isn't accepted by their company. Before I wrote the letter, the rep should <em>have</em> told me they letter would mean nothing. \n\nAfter that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up <em>correctly</em> XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus."]},"sort":[15.521563,"4254370"]},{"_index":"complaint-public-v1","_id":"8814963","_score":15.208395,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I called Bank of America Customer Service as I was having trouble with a wire transfer. I was told the problem I was having was probably because I needed to go into a branch because of the amount I was trying to send. I tried calling the branch to ask if I needed an appointment and there was no answer. I took time off work to go into the branch as I needed to do two separate wire transfers. When I arrived, I sat in the lobby and was greeted by who I presume is the branch manager. It appears a Branch Managers job is strictly to greet customers now and show them where to go? I was told no one was available to help me do the transfer and that I could do it on my own via the BOA application on my phone. I was taken aback by this because this same employee had helped me do a wire a transfer a few years back. She either expected me to leave or expected me to start the wire process in the lobby area. I literally had to ask to be seated in a quiet location. As I've never done a wire transfer on my own before and the information requested is something you bring in and have jotted down somewhere and you have to ensure you enter it correctly. Plus, I had questions about the currency exchange rate. That's when she said the app would tell me what the rate is there and then. There were a total of two wire transfers I needed to do. The first was for XXXX XXXX pesos. When I went to make the wire transfer I presumed the options to do it in XXXX pesos ( no bank fee charged for this ) was the best option. However, to my surprise, I noticed that the amount I needed to wire was over XXXX XXXX dollars more than what I had calculated ( {$4800.00} to be exact )! Though this option was advertised as being free, Bank of America was actually paying way less for the exchange rate. I didn't know what to do. I may not have enough money in my account to cover these wires and the wires were for a closing transaction. Then I noticed there was an option to send the wire in dollars for a {$45.00} fee. I decided to send it that way, as I had checked the exchange rate online for {$3.00} XXXX pesos to the dollars was at about {$59.00}. This would equal to about {$63000.00} not {$68000.00}!! To add, days later, I noticed Bank of America offers an option to find out how much your foreign currency is worth in U.S. Dollars. According to their website, that same amount I was being charged {$63000.00} to send is only worth {$59000.00}! This is a huge difference and the only ones benefitting from this are the banks! That day at the bank, I went through the steps and the first wire for the larger amount went through. I then proceeded to make the second transfer for the smaller amount. That night, I received confirmation the second wire for the smaller amount had already been received. But, I am still waiting for the larger amount to show received and its been two days. At this point, I am very concerned as the funds were sent for the purchase of a second home and this is our life savings! I may also loose the sale if the seller does not receive the funds in her account by Monday, XX/XX/XXXX. I've been calling Bank of America every day since, and they can only say everything looks okay on their end. I asked if they ever speak to an actual person on the other end and was told its all via a system. I feel like Bank of America has cut so much corners when it comes to customer service. Nowadays, they even want you to conduct your own wire transfer and if something goes wrong the customer is who pays the price. All that advertising about being FDIC insured seems false as there is no accountability. It is very disappointing. I have been with Bank of America for 23 years. After this ordeal I will be looking for another financial institutions that can be more accountable for what they do.","date_sent_to_company":"2024-04-19T18:52:16.000Z","issue":"Incorrect exchange rate","sub_product":"Foreign currency exchange","zip_code":"34638","tags":null,"has_narrative":true,"complaint_id":"8814963","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-04-19T17:46:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["As I've never <em>done</em> a wire transfer on my own before and the information requested is something you bring in and <em>have</em> jotted down somewhere and you <em>have</em> to ensure you enter it <em>correctly</em>. Plus, I had questions about the currency exchange rate. That's when she said the app would tell me <em>what</em> the rate is there and then. There were a total of two wire transfers I needed to do. The first was for XXXX XXXX pesos."]},"sort":[15.208395,"8814963"]},{"_index":"complaint-public-v1","_id":"16395702","_score":14.71168,"_source":{"product":"Mortgage","complaint_what_happened":"Ive been trying an trying to get answers on when an what to expect on a timeline of when loandepot will fund me to get my house repaired an finished there taking months an months on funding an its costing me dramatically this process has taken over XXXX  months dealing with there incompetent loss draft department an neither less to say XXXX told all my info thats been logged in to there system hasnt been done correctly an things shoulda been done differently on my account far as my fire claim an was told on XX/XX/XXXX from a XXXX of loandepot or XXXX of there managers I need my bank account statements to show proof of payment for materials an that I paid my XXXX in which I provided an paid contractors reciept for the extra work load the XXXX XXXX put on us an on top of that she spoke with the XXXX an he told them I paid for this work already in which the insurance company paid for this extra work also which I sent them the funds from my XXXX an there refusing to reimburse an the XXXX sent the same paid invoice to the XXXX that XXXX which they sent the funds but this incompetent loss draft department is not handling my claim like professionals to only be told from XXXX or XXXX different representatives that doesnt have a clue on what the next representative is telling me an this is on going day to day I get a different response every time I reach out to this company about my funds that the insurance has fully paid for everything on my home this company has dragged this process out to XXXX  months it takes over 2 month each time I need funding from my own policy in which my XXXX has paid every time the XXXX had an issue all the documentation the XXXX submitted was honored by the XXXX but this loandepot is telling me I need bank statements for proof of payment my house has went from a sham to XXXX percent livable so where in the XXXX do they think the money is going we have put a lot of work in this home over {$130000.00} dollars I advise no one to get involved with loandepot this company is horrible I dont have money to keep paying a lease cus of there poor negligence the longer they keep this up the more money Im out of XXXX  the rent where Im living is 3 times more than my actual mortgage my home caught fire XX/XX/XXXX an its XX/XX/XXXX an XXXX still dealing with the loss draft department an fighting to get my money for my home my loan wasnt but {$100000.00} wit loandepot the insurance XXXX paid {$200000.00} out to them Ive spent {$130000.00} cents as of now I sent invoice to them on XX/XX/XXXX an me an the XXXX is still waiting on funds Im tied at this point cus of the lack of communication an the lack of handling my claim there not very smart at loandepot I have never been told I need to provide bank statements for payment to my XXXX an u have a paid contractors receipt if its not good well send the insurance company money back then instead of holding it in some supposedly escrow account if ur not gon na do whats its intended for Ive spent XXXX out of my pocket funding my home so repairs doesnt be held up an these representatives cant figure out nuthin over at loandepot but how to lie XXXX after the other almost if there using the money for business purposes an XXXX XXXX XXXX XXXX XXXXXXXX kind of XXXX its just mind baffling to think a company supposedly of this magnitude would treat a customer like this an be so incompetent I shouldnt have to be out of my pocket for anything on my home an the XXXX has fully honored my policy to the XXXX an there still talking bout whats been done to the home after XXXX receipts an contracts wit paid invoices like what is this loss draft department doing after alll this time an months the pictures from then an now should give u an good idea whats being done to my home I was just told all my info an documents havnt been loaded into there database correctly an XXXX really XXXX at this point. XXXX seeking legal help an how to sue loandepot almost 2 years of this same rhetorical problems wit them XXXX just frustrated an got ta take action at this point wit legal help these inspections go from 55 % to 25 % then go back to 60 % like whos making these decisions at this company like the work loads should never go backwards an then go forward but this the kind of situations XXXX dealing with here with this company","date_sent_to_company":"2025-10-22T16:20:10.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"381XX","tags":null,"has_narrative":true,"complaint_id":"16395702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LD Holdings Group, LLC","date_received":"2025-10-06T12:27:46.000Z","state":"TN","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["being <em>done</em> to my home I was just told all my info an documents havnt been loaded into there database <em>correctly</em> an XXXX really XXXX at this point."]},"sort":[14.71168,"16395702"]},{"_index":"complaint-public-v1","_id":"4725964","_score":14.711675,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"During summer XXXX my wife and I filed for chapter XXXX bankruptcy. At the time of filing, I held a XXXX  card w/ a XXXX-dollar balance, and my wife held a XXXX  card that wasn't even activated yet. This is the only XXXX  card we've ever had, and have not had one since then. Neither card was included in the creditor 's matrix in the CHXXXX discharge petition - AND THERE WAS NOTHING TO DISCHARGE. \n\nIn XXXX of XXXX I discovered that incorrect information was on my experian credit report regarding the status of this account. The status was incorrectly listed as \" Discharged in Chapter XXXX ''. THERE WAS NOTHING TO DISCHARGE and it WASN'T INCLUDED IN THE CHXXXX CREDITORS MATRIX. I contacted XXXX  's bankruptcy dept, and they agreed that the the status was indeed INCORRECT. They stated it should be showing a status of \" Closed by credit grantor ''. They then sent out a credit bureau update reflecting that change - the actual, factual, true status of the account.\n\n90+ days later in early XXXX, I re-applied for a new XXXX  card. And, I was denied AGAIN, due to \" status of existing or prior XXXX  card account ''. Viewing my experian report, I saw that once again the status was incorrectly listed as \" Discharged in Chapter XXXX ''. THERE WAS NOTHING TO DISCHARGE and it WASN'T INCLUDED THE CHXXXX CREDITORS MATRIX. After contacting the XXXX  bankruptcy dept again about this, they sent out another credit bureau update to reflect the actual, factual, true status of the account. \n\nOn XX/XX/XXXX, my dispute results with experian came in - and the result was, NO CHANGE in the XXXX  account status. \n\nOn XX/XX/XXXX, XXXX XXXX in the XXXX  bankruptcy dept confirmed that another credit bureau update had been sent out reflecting the actual, factual, true status of \" Closed by credit grantor '' directly to experian by their credit bureau reporting team 's supervisor. On XX/XX/XXXX, Mr. XXXX confirmed the same update was also sent to experian to correct the status of my wife 's XXXX  account, which was suffering from the same problem. \n\nOn XX/XX/XXXX ( 90+ days later ), I re-applied for a XXXX  card. And, I was denied AGAIN, due to \" status of existing or prior XXXX  card account ''. Viewing my experian report, I saw that once AGAIN the status was incorrectly listed as \" Discharged in Chapter XXXX ''. THERE WAS NOTHING TO DISCHARGE and it WASN'T INCLUDED THE CHXXXX CREDITORS MATRIX. \n\nMy wife XXXX also attempted to get a new XXXX  card - but was denied AGAIN, due to \" status of existing or prior XXXX  card account ''. Viewing her experian report, I saw that once AGAIN the status was incorrectly listed as \" Discharged in Chapter XXXX ''. THERE WAS NOTHING TO DISCHARGE and it WASN'T INCLUDED THE CHXXXX CREDITORS MATRIX. The card WASN'T EVEN ACTIVATED. \n\nOn XX/XX/XXXX, I opened a complaint with the CFPB about XXXX. \n\nOn XX/XX/XXXX, XXXX  completed their investigation into my complaint : \" Our records confirm we are reporting your account as closed, which is a factual representation of what occured. However, we have confirmed that your account is reporting as \" included in bankruptcy '' on your experian credit report '' On XX/XX/XXXX, I spoke with XXXX in experian 's dispute department to discuss the dispute and XXXX 's CFPB complaint response. I was informed that the last update to the XXXX  account status was from XX/XX/XXXX! The reason given for the persistence of this incorrect information is that my dispute wasn't done \" correctly ''. I needed to open it as an \" external '' dispute - this means Experian contacts XXXX to get updated account information. XXXX then went ahead and opened an external dispute for me. \n\nAt the end of XXXX I called experian 's dispute department back and had the same external dispute opened on behalf of my wife XXXX, who had been denied a new XXXX  card AGAIN, due to \" status of existing or prior XXXX  card account ''. Viewing her experian report, I saw that once AGAIN the status was incorrectly listed as \" Discharged in Chapter XXXX ''. THERE WAS NOTHING TO DISCHARGE and it WASN'T INCLUDED THE CHXXXX CREDITORS MATRIX. The card WASN'T EVEN ACTIVATED. \n\n\nOn XX/XX/XXXX I received the dispute results from experian. And they were : NO CHANGE in the XXXX  account status. Proving that dealing with them as a person was what I suspected all along : a giant waste of my time. \n\nAt this time ( XX/XX/XXXX ), XXXX is blaming experian. XXXX claims they are showing the correct, true, actual, and factual status of the account- and that this issue is on experian 's end. \n\nI have tried, multiple times via the internet self-service and their dispute department 's phone line, to correct this with experian. My patience has run out, as this has dragged on for a year now. This problem is preventing my wife an I from obtaining a new credit card with XXXX  and rebuilding our credit, as well as displaying a flat out LIE on our credit report for whoever pulls it to see and make an incorrect judgement on. Before involving attorneys, I thought I'd give experian one last chance via the CFPB complaint process to get it together.","date_sent_to_company":"2021-09-16T16:04:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78046","tags":null,"has_narrative":true,"complaint_id":"4725964","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-09-16T15:12:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Proving that dealing with them as a person was <em>what</em> I suspected all along : a giant waste of my time. \n\nAt this time ( XX/XX/XXXX ), XXXX is blaming experian. XXXX claims they are showing the <em>correct</em>, true, <em>actual</em>, and factual status of the account- and that this issue is on experian 's end. \n\nI <em>have</em> tried, multiple times via the internet self-service and their dispute department 's phone line, to <em>correct</em> this with experian. My patience has run out, as this has dragged on for a year now."]},"sort":[14.711675,"4725964"]},{"_index":"complaint-public-v1","_id":"7224869","_score":14.642353,"_source":{"product":"Mortgage","complaint_what_happened":"Around XXXX of XXXX, M & T Bank failed to pay my homeowners insurance that has been escrowed since XXXX. This is not the first year this has happened. Subsequently, I was the last person to find out when I received a notice that my mortgage payment was going up hundreds of dollars due to an escrow shortage. If you login to the mortgage payment portal, finding exact details of your escrow account is very difficult in that it does not show a running balance with credits and debits. I contacted customer service for days and spent hours arguing with supposed customer service employees who insisted because I didn't provide homeowners insurance, lender imposed insurance was applied to the tune of three times the cost of my actual homeowners insurance, which had never lapsed and had been paid! After wasting hours of my life debating what should have been the obvious, with an accessible person at M & T bank becoming available with the authority to correct the errors and update my escrow balance accordingly, I was told my credit would be affected if I chose not to pay the highly increased mortgage payment while they went thru the process up updating my information and verifying that in fact they owed this refund and figured out all of their mistakes. This has continued going on for months now with one excuse after another and AT MY EXPENSE AND I AM TIRED OF BEING PUSHED ASIDE AND MY FINANCIAL BURDENS OR THOSE OF ANYONE BEING FORCED TO PAY MORE OR INCUR MARKS AGAINST MY PERFECT CREDIT, IS SURELY CRIMINAL BEHAVIOR? WHY SHOULD I CONTINUE TO PAY FOR THEIR ERRORS, THEIR LACK OF COMMUNICATION WITHIN THEIR OWN ESTABLISHMENT AND THEIR LACK OF CONCERN FOR THE BURDENS THEY ARE CAUSING MY FAMILY AND I? Why do I have to continue calling them and being transferred to endless departments and half of the time non English speaking individuals who do not grasp the severity of this problem and how federal regulations protect all of us as basic standards of lending practices to not allow these types of scenarios to happen and then also continue to be the burden of the customer who has done nothing wrong?! They have still not updated my escrow account balance! They will do the same thing again and again increase my payment of not fault of my own even after I have went so far as to host conference calls between my insurance agent and their insurance department and it is all part of record, yet the numbers are never corrected and my question remains, what if they do this to 100 people? to 1000 people? where is our money and who is benefitting from having it in the wrong accounts for months on end accidentally???? XXXX! I want this entire bank investigated. It appears that they assume a small town Kentucky woman would not stand up to them or question these practices, but they were sadly mistaken! Please address this asap! I can not continue to pay inflated mortgage payments based on a false escrow shortage and the refunds that WERE issued only because of all of my work are still not reflected in my escrow balance as of today and the refunds happened finally in XXXX, XXXX!","date_sent_to_company":"2023-07-10T03:32:30.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"40324","tags":null,"has_narrative":true,"complaint_id":"7224869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2023-07-10T03:06:59.000Z","state":"KY","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":["Why do I <em>have</em> to continue calling them and being transferred to endless departments and half of the time non English speaking individuals who do not grasp the severity of this <em>problem</em> and how federal regulations protect all of us as basic standards of lending practices to not allow these types of scenarios to happen and then also continue to be the burden of the customer who has <em>done</em> nothing wrong?! They <em>have</em> still not updated my escrow account balance!"]},"sort":[14.642353,"7224869"]},{"_index":"complaint-public-v1","_id":"10926623","_score":14.559,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX I went through a VA home loan for being a XXXX veteran I bought the house they went through Wells Fargo, which I did not have a say in who they actually went with, and I have not liked Wells Fargo from the very beginning every year, theres a shortage on escrow. It started off small and as the years progress to continue to go higher. With the latest escrow shortage showing {$3400.00} with a new monthly mortgage if not paid by XXXX XXXX XXXX monthly payment when Ill be {$920.00}. Contacted them as they were taking out property tax which I am XXXX XXXX XXXXXXXX veteran property tax exempt. They stated that they would review the escrow new escrow statement of XX/XX/XXXX is showing an escrow amount of a shortage of {$2200.00} if not paid by XX/XX/XXXX the new mortgage payment would be {$770.00}, theyre saying that the lowest projected escrow balance of XX/XX/XXXX is {$1900.00} minimum balance for the escrow account is {$300.00} combined to give me a shortage of {$2200.00}. Now theyre saying that I received a refund of XXXX {$1200.00}. They said they applied that to my ask her account which still left me in the negative of {$1900.00} when I asked to have an audit done due to the fact that it seems that their projections are always below what the actual market value is or what should be paid out. I was told there is no such thing as an audit for an escrow account. I also asked for an auditing ledger to show me what was paid was requesting payment and the money was sent to. If the escrow review statement is showing a shortage of {$3400.00} and it was showing that they were paying property tax when I was exempt why did they only get a refund of {$1200.00}? Why is it that escrow every single year? Why is it that I request a breakdown and information regarding the escrow account and why this money is being sent and projections are so low they never answer the question and then they give you a runaround. The conversation with Wells Fargo XXXX XXXX stated that they would put in a request for me to get out of my escrow completely and I would pay it myself. Again this is going to be on the grounds that it is approved and I should know within the five business days however, Wells Fargo is one of the worst companies that I have ever dealt with as far as calling in being transferred multiple times half to talk to different departments no one gives you a correct answer I want answer or the right answer every year. Its the runaround as percentages and numbers and projections and What was actually paid out and new payments but no one ever actually states yes there is an issue or there is a problem where this money is going and why every year there is a shortage on the escrow with Wells Fargo as of this state I want a full audit to be done. I want out of escrow completely and Id like to know where the thousands of dollars that they have taken from this XXXX veteran not to mention how many other people they have screwed over where that money has gone and where it continues to go. Wells Fargo is stating that they received a bill so they paid it however we do not pay city tax here we pay per capita which I pay every year on XXXX or XXXX and I have all records to show that also the city tax they can not provide me with information on who requested where it was sent or where the money was sent and the per capita is {$10.00} a year.","date_sent_to_company":"2024-11-26T19:40:09.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"166XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10926623","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-11-25T23:46:10.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["They said they applied that to my ask her account which still left me in the negative of {$1900.00} when I asked to <em>have</em> an audit <em>done</em> due to the fact that it seems that their projections are always below <em>what</em> the <em>actual</em> market value is or <em>what</em> should be paid out. I was told there is no such thing as an audit for an escrow account. I also asked for an auditing ledger to show me <em>what</em> was paid was requesting payment and the money was sent to."]},"sort":[14.559,"10926623"]},{"_index":"complaint-public-v1","_id":"6073115","_score":14.53392,"_source":{"product":"Mortgage","complaint_what_happened":"As of now, there has been no resolution for the problems. \nThe disbursements made to my insurance companies where clearly asked not to escrow. I have acquired my own insurance as required for Hazard and Windstorm. \nI am not asking other than to remain current and keep my home loan affordable. I have made numerous attempts documented by email - phone and account messaging for simple answers and as of Now no one has been forthcoming with the removal of escrow from my account other than one Escalation rep from Mr. Cooper.- XXXX - Whom stated after weeks of calling shared that the Processor in escrow has halted my request XXXX XXXX for Flood insurance, as you know being in XXXX Texas XXXX hurricane Harvey- XXXX have no passed the Flood insurance mandate to area homeowners. This alone is a hardship. I have even requested all but the flood Insurance be removed. I have spent countless hours on the phone while at work trying to find a solution to a simple request. \n\nI was told that I qualified for escrow removal trying accomplish this I have been given misinformation upon misinformation- the recording on the phone machine says submit proof of insurance and update escrow not submit and we will pay your policy for you? I have agreed to every recorded call, because maybe I am not explaining myself correctly. They have falsely closed tickets- requests with resolutions never found. \n\nRight Path Servicing had no qualms about increasing my monthly payment more than the actual note on the contrary it has done its least to help adjust- lower it reflecting the purchase of my own insurance. \n\nI have worked very hard to regain stability through illness and CO -VID 19 - loss of employment to save my home and maintaining this loan. I am more than willing to pay what is reasonable, unfortunately Mr. Cooper - Right Path - Nation Star mortgage have made it most difficult. \n\nI am not asking for anything Free nor a hand out- What I'm asking for is knowledgeable personnel who work with millions of dollars of hard working Americans and I dont feel its too much to ask for. I am saddened at the lack of integrity and the immediate response of form letters to ensure each one of these companies have done no wrong but the truth is they all have. They have not provided correct information if any- they have made payments to my insurance policies with no requests or permission. So double payments to the insurance companies are being made, this alone is poor practice. There is no coordination amongst the companies to provide Home Owners any reassurance that these loans are being fairly monitored nor adjusted. \nHere we are, a futile attempt to clear responsibility or liability. As I stated in my original complaint - I have no idea if these companies have broken any laws but what has happened to me in such a short amount of time is unjust. \nI am not rich and barley making a life for my family and myself and I am tired of Large Corporations with inadequate staff having the last word.I could be content with the response I am not. \nI have stopped payment of the Hazard insurance and hold in my possession the check. So it has not been removed from my escrow and does need crediting, I have also requested a refund from the Texas Windstorm send the money back to the company. So this account reflects wrong again. The letter itself states misinformation, I have emails and once again, It doesn't matter what American Homeowners need or request, this company will of course show the monthly payment is due. I was told in XXXX my account would be adjusted by XX/XX/XXXX, listen to the phone call by XXXX from XXXX XXXX. I have reviewed so many complaints abouts this company I know I am not alone in my complaint. What can I do from here, They have not adjusted the account and I am terrified to fall behind.","date_sent_to_company":"2022-10-27T15:14:46.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"77566","tags":null,"has_narrative":true,"complaint_id":"6073115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2022-10-11T18:03:27.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> agreed to every recorded call, because maybe I am not explaining myself <em>correctly</em>. They <em>have</em> falsely closed tickets- requests with resolutions never found. \n\nRight Path Servicing had no qualms about increasing my monthly payment more than the <em>actual</em> note on the contrary it has <em>done</em> its least to help adjust- lower it reflecting the purchase of my own insurance."]},"sort":[14.53392,"6073115"]},{"_index":"complaint-public-v1","_id":"1320376","_score":14.392002,"_source":{"product":"Bank account or service","complaint_what_happened":"XXXX XXXX XXXX XXXX, SC XXXX : Capital One FCRA LitigationTo Whom It May Concern : I had previously advised your company that I have been a victim of ID Theft. As a result I have a fraud alert requiring companies to contact me prior to approval for credit. Over the last 2 years Capital One has called/sent letters asking if I applied for credit which I have not. I have responded by phone and in writing that I have not applied/authorized said inquires on my credit and they needed to be removed. Your company stated in response to a previous CFPB Complaint and said that you would remove the unauthorized inquires once I faxed a copy of my credit report. Which was done the day that it was requested. Well now over a month later not only do they still remain but the number of inquires have since increased. Between all XXXX credit bureaus there are over XXXX total. Under FCRA ( codified at Title 15 United States Code Section 1681 and following ) this constitutes Willful Noncompliance in reporting on your behalf. \nAlthough your company seems to think that you can take advantage of what you perceive to be an uninformed consumer, I am far from that. I know that under FCRA each separate incident ( Inquiry ) reported where your company has failed to prove Permissible Purpose I am eligible for {$2500.00}. Now as we both know I can retain a law firm that I have worked with very closely in the past do handle this matter and they would gladly take the case and file suit. Your company in an effort to avoid a lengthy lawsuit costing thousands of dollars in attorneys fees and court cost would attempt to settle. Now that is a route I do n't mind going but serving in the XXXX XXXX XXXX of the values instilled in us daily was integrity. Due to the fact I do n't think it 's fair for your company to immediately be forced into paying my attorneys fees and so on I am going to afford you XXXX final opportunity to resolve this matter on a voluntary basis. I do want you to bear in mind I also do n't believe it is fair that your company being the 'Big Business ' you are completely ignores this offer to resolve and merely offers to correct the problem. The XXXX are not XXXX in the same and if you treat them as such I will cease all contact and file suit against your company. \nHere is what I am proposing you immediately remove any and all inquiries from all XXXX credit bureaus and pay me a settlement of {$10000.00}. The offer for settlement is more than fair considering your cost in legal fees would far exceed that amount. This must be done on or before 14 calendar days from receipt of this notice. If you opt to not to do so then I will have no choice but to seek the full amount entitled to under FCRA plus actual damages. Please confirm receipt of this notice by calling XXXX. \nThank you for your prompt attention to this matter, XXXX XXXX","date_sent_to_company":"2015-04-07T14:40:41.000Z","issue":"Account opening, closing, or management","sub_product":"Other bank product/service","zip_code":"29673","tags":"Servicemember","has_narrative":true,"complaint_id":"1320376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2015-04-07T14:40:40.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This must be <em>done</em> on or before 14 calendar days from receipt of this notice. If you opt to not to do so then I will <em>have</em> no choice but to seek the full amount entitled to under FCRA plus <em>actual</em> damages. Please confirm receipt of this notice by calling XXXX. \nThank you for your prompt attention to this matter, XXXX XXXX"]},"sort":[14.392002,"1320376"]},{"_index":"complaint-public-v1","_id":"3129858","_score":13.860875,"_source":{"product":"Student loan","complaint_what_happened":"Several years ago, I was paying off a large student loan debt with Sallie Mae via online payments. Around the time that Sallie Mae was moving the servicing of its existing loans to Navient, they removed my account from online access so I could no longer view the balances or make online repayments- for no apparent reason. This made it more difficult to make and track payments and marked the beginning of endless Navient problems. I attempted to rectify this on multiple occasions and reinstate online access but was never reinstated despite numerous calls. \nI had previously made some extra payments by phone to Sallie Mae to pay certain loans in full and close them out early. There were never any issues with that process, so I made a large phone payment to Navient to close several loans around XX/XX/2013. I had given specific instructions over the phones and received verbal confirmation that payments were made to specific loans to pay the balances in full and close these out. Almost a year later, I was shocked to receive an overdue balance notice in the mail for some of the loans I had paid off. I called Navient customer service at least a dozen times requesting an accounting of payments made and how monies I paid were applied, and spoke with numerous reps and supervisors in the call center with no action taken to provide me with an accounting. I was told that despite having an open overdue balance, Navient had supposedly sent me a refund check for over 300 dollars. They had no viable explanation for why I would receive a refund if I still had outstanding debt. Needless to say I had no record of receiving this check, and would certainly remember it had it actually arrived since it clearly indicates an error. When I asked about the credit, they attributed it to a difference in interest that had been quoted at the time of my payment but had not yet accrued because it was done mid payment cycle and therefore needed to be credited. I then clearly illustrated to the rep that this explanation is mathematically impossible because the dollar amount of the credit was equal to roughly a year of accrued interest based on the loan principal amount times the interest rate. He agreed, and stated he would look into the account further but took no action, again, to provide the detail on the account. I finally asked for a formal complaint process and was told the only option is to write a physical letter to an ombudsman and mail it. I did just that and wrote a detailed letter, mailed it to the address the call center provided and waited approximately 3 more weeks. When I called to check on status, I was told my letter was never received. Since no accurate balance or payment history was made available to me and errors with misapplied payments were never corrected, I did not make any additional payments after this time since I did not know what the actual balance was, or which loans were open that ought to have been cleared. Quoting an incorrect balance or loan numbers did not stop Navient from their collection efforts against me and from ruining my credit despite failing to address and correct the issue. Aside from endless calls for collection, they reported and continue to report this as bad debt each month for multiple years. They have added interest and penalties to the balance and have validated this debt as accurate when I've disputed it with the credit reporting agencies.","date_sent_to_company":"2019-01-21T18:31:27.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"062XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3129858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-01-21T17:07:38.000Z","state":"CT","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Since no accurate balance or payment history was made available to me and errors with misapplied payments were never <em>corrected</em>, I did not make any additional payments after this time since I did not know <em>what</em> the <em>actual</em> balance was, or which loans were open that ought to <em>have</em> been cleared. Quoting an incorrect balance or loan numbers did not stop Navient from their collection efforts against me and from ruining my credit despite failing to address and <em>correct</em> the issue."]},"sort":[13.860875,"3129858"]},{"_index":"complaint-public-v1","_id":"7752131","_score":13.716982,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"OK this is It complete to be filed against evolve bank and trust. They are the backing of the XXXX pro card that I use driving for XXXX. I initially started using this card as a depository for XXXX and all of my fares. XXXX would just download the deposits I made To this card For easier access for disbursement TO my actual bank or whatever. Ive only been using this card for XXXX weeks. I already have XXXX significant problems with this bank card. The bank card function is backed by evolve, but who I deal with on a consistent basis is XXXX XXXX. I rent a car from XXXX XXXX to be able to conduct pickups and deliveries of People XXXX XXXX. XXXX XXXX policy with XXXX is we deposit the week before money, they put a hold on it and we can use the vehicle for week. When theyre done with that week they process The hold on that money. Then I deposit payment for the week coming up, they put a hold on it, and process it at the end of that period. And the process is continued for the next week. They write another basic contract for that week they put a pending hold on that money the next week the same thing over and over and over again. There has never been any problem with this arrangement until last week I deposited {$320.00} into my account. Before XXXX Was able to process my card for that week at XXXX in the morning branch had already put a pending hold on those monies. so when XXXX went to run my card, it was declined. And it has been a nightmare ever since. I will try to put this in categorically correct order so it's more understandable. When I was sitting at the desk with XXXX wondering where my payment was I had the information showing that the payment had been made to the bank. When I called the bank I was told that he was just the first contact of my account and then he could not do anything with any pinning holds. And so I asked him why they even put a hold on it avis was the one who was supposed to put a hold on that money. And he said the policies had changed and was unwilling to go into what that change was. What he did say was the fact that he had no ability to contact the supervisor except to put in a ticket. XXXX try to process my card at XXXX : XXXX. And that he could not speak to anybody about this transaction except for me. So then when I called them back XXXX minutes later trying to get some kind of resolution so I could actually continue to rent my car so I could actually work. I was told that everybody was in a lunch meeting and that he couldn't contact any supervisor on the floor again. But you would definitely put in the ticket and they would call me immediately. To date : Ive talked to them on XXXX different occasions, supposedly they have put in several tickets. And the day is the XXXX of XXXX this is a week laterAnd literally almost XXXX minutes waiting on hold for these people and Ive still yet to receive a phone call. Yet they are still holding the money from XXXX. Now I was told by the first individual The date had a policy change, he could not tell me what it was but they had the right to hold those funds for 30 days. Until the First off you didnt have a right to hold them in the first place. Much less 30 days. Nobody asked you to put anything on there you did it on your own accord Involving nobody else except for you. Fast forward to today. This is hours Ive spent on this, missed XXXX days of work, and still do not have a resolution while the contract has been ended avis is ready to write another contract. Thats what they said would end of this debacle and start a new probably debacle. But even though XXXX ended the contract today where did you write a new one This pending status has still have not been resolved. This is causing severe problems with my Job, with XXXX, with their payment, with my ability to continue to rent vehicle from them so I can work. And I need this situation resolved. \nMy second problem with this institution is every deposit that is made from XXXX, is short at least XXXX cents {$0.00} sometimes even a dollar or XXXX. I have not been able to find the percentage that they are holding back, but every time a deposit is made which is several a day, if it is not marked as trip, a discrepancy in the exact amount has happed now if it is marked trip, it is the exact amount that XXXX sent to them. Ive referenced exactly what that amount is, anytime period. Now if it's marked as miscellaneous it could be up to an hour later that it's actually posted. And its always short. I have spoken to both institutions about this, and up to this point any transactions Ive ever done with XXXX has always been spot on. As soon as I enact this card that is supposed to be free transfers, I started having money missing. I even have Chat documentation from the bank stating that it is a significant amount. But they still dont know where its going. To date it is over {$100.00} for XXXX weeks worth of use Of their card. Obviously I would like to state that I feel as if my money is being held XXXX, and at this point even stolen from me. Im absolutely appalled at the fact that a financial institution can act this way. And I dont think Im special. I do believe that this is happening to other people as well under the XXXX umbrella. Let me make myself clear, I do not believ that this is an uber problem I believe that this is a branch problem. And the fact that branch thinks that they can make these policy changes, and not send out any documentation or even bothered to the fact that the policies have been changed it's amazing to me. It Is not their money that these policies affect it is my money and the people I choose to do business with. They were not hired to control my money, they were hired to do what I said to do with it it's long as it is ethical reasonable and with the confines of business legitimacy. And if such changes are made, I believe it is mandatory for you tell me that these have been changed. So I could decide prior to this happening whether or not I want to continue doing this for the business with this institution. It can not be arbitrary ; Oh well we could go we decided that we cant release any funds and you cant talk to a supervisor at XXXX XXXX XXXX leaving me The company I'm doing business with, unable to fix anything that is policy changes are affecting.","date_sent_to_company":"2023-10-24T20:57:38.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"64063","tags":null,"has_narrative":true,"complaint_id":"7752131","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-10-24T20:46:43.000Z","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":["But even though XXXX ended the contract today where did you write a new one This pending status has still <em>have</em> not been resolved. This is causing severe <em>problems</em> with my Job, with XXXX, with their payment, with my ability to continue to rent vehicle from them so I can work. And I need this situation resolved. \nMy second <em>problem</em> with this institution is every deposit that is made from XXXX, is short at least XXXX cents {$0.00} sometimes even a <em>dollar</em> or XXXX."],"issue":["Unauthorized transactions or other transaction <em>problem</em>"]},"sort":[13.716982,"7752131"]},{"_index":"complaint-public-v1","_id":"2902198","_score":13.494043,"_source":{"product":"Checking or savings account","complaint_what_happened":"on Friday XX/XX/XXXX i went into my local branch to pull money out for my rent. at first i pulled {$400.00} out and got my teller receipt. and notice that i still had {$93.00} left. i asked teller XXXX. is this correct because my online bank said less. and i show him my phone, and he said he didn't know why it said that but what he says on his screen was correct that i had XXXX i asked again are you sure? he said yep all your transactions have gone threw that is your actual available balance. i said OK cool let me pull {$90.00} out then. he said ok and gave me the {$90.00} dollars. as im currently in dispute with the bank for XXXX XXXX XXXX for two {$35.00} over draft fees and money they took out of {$1.00}, {$6.00}, {$16.00} from XXXX going in and taking money out putting it back in. and messing my account up. before these unauthorized transactions started happening. so im waiting for that money which they have not gave me a provisional credit to my account yet. so the mean time while im on the phone with customer service i asked about why i was XXXX negative. i told her what the bank teller told me she dont see were he would of told me why i would have that amount.then she said it looks like your going to have another {$35.00} over draft fee, i said oh great that's lovely. she told me to go to the bank and take it up with them. i told my self if something like this happened again i was just going to close my account down.on XX/XX/XXXX i had my boyfriend go to the bank for me, to deposit {$37.00} dollars to bring my account current, and he did. so today on my day off i went to the bank and spoke to XXXX one of the bankers and i told him. i would like to close my account that i said the next time that something like this happened again i was going to close my account, so please close my account he said ok ill be right back. he went in and i guess he was trying to help me out and went to talk to the bank manger XXXX. about 3 mins later the both walk back into XXXX office and the bank manger had two papers in her hand she said 'hello XXXX XXXX did you put a tip down when you were at XXXX XXXX. 'yes i did '' she said yea its never a normal amount when you go out to eat. i said right i was trying to even the amount. she said well thats the problem and thats why you have and over draft fee. i said ok well i still want to close my account im just done. she continue to still talk about the fees and im like cool can i please close my account? she still kept talking about the problem and i told her i didnt care i just want to close my account and leave please can i close my account, please please, please i would like to leave and close my account and i said to XXXX can you leave i dont really like talking to you and im done here and done with you so shoo off. she said no im the bank manger i dont have to go any were! i said im requesting you to leave. she said you know blank if your account was straight you would not have this problem, and i said well i forgot and she was like so are you saying its the banks fault? then i was like yah i guess so maybe they should have a fast update. i said well anyways why am i still here talking about this XXXX can i please close my account down. she like \" well you know blank i was going to offer you something but im not now because you want to close your account i said sure you ya right your famous for \" no '' and she acted appalled about it and tried to drag XXXX into it but XXXX did not want to be in the middle of it, so he didnt say anything. i said dont believe that one min you were going to offer me something. i said can i go? and close my account i said common XXXX please can i close my account. then XXXX said \" XXXX go ahead and close her account not because she wanted because i requested it. and im like ok finally. on my way out i didnt get im sorry or thank you for banking with us nothing ... nothing at all got my XXXX cents and was on my way. so i was very upset leaving i went down to speak to XXXX at branch XXXX i stressed my concerns with her and told her i was in the middle of a claim and wasn't for sure how i would get my money back. she told me it would probably be best to keep it open until then you can do whatever you want after that. i said OK and i re opened it at XXXX put a dollar in. then XXXX asked did XXXX tell you about are protection i said yes and i don't like it because im still paying something to the bank and i fell that is not protecting my pockets by them taking {$12.00}. she said well there a free way to do mobile alerts has anyone told you about that and i said no. so she told me about the text and mobile banking app alerts and i told her i will keep that in mind if choice to keep this bank and i went on my way so im requesting in itemizing below : 1.XXXX the bank manger to be fired at XXXX 2. she was going to offer something now i feel in tiled to something for my inconvenience embarrassing yelling at me of the {$35.00} over draft fee of XX/XX/XXXX 3 .XXXX refund : {$1.00}, {$6.00}, {$16.00} and two {$35.00} over draft fees from XX/XX/XXXX transactions. \n4. they need to update the whole image and there online banking and stop saying no for every little thing","date_sent_to_company":"2018-05-10T05:20:13.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"442XX","tags":null,"has_narrative":true,"complaint_id":"2902198","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2018-05-10T02:59:03.000Z","state":"OH","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["she still kept talking about the <em>problem</em> and i told her i didnt care i just want to close my account and leave please can i close my account, please please, please i would like to leave and close my account and i said to XXXX can you leave i dont really like talking to you and im <em>done</em> here and <em>done</em> with you so shoo off. she said no im the bank manger i dont <em>have</em> to go any were!"],"issue":["<em>Problem</em> caused by your funds being low"]},"sort":[13.494043,"2902198"]},{"_index":"complaint-public-v1","_id":"2979881","_score":12.797367,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been disputing with equifax for 2 years now about an account XXXX XXXX XXXX that was paid in full and closed XX/XX/XXXX. XXXX XXXX XXXX keeps reporting current status past due one year after account was closed and now 2 years after account is closed but they show account closed. Equifax will do nothing as they lack common sense to realize an account cant be past due if it in fact was closed 2 years ago and they will do nothing but say its what creditor reported. Give me a break so its ok to report grossly incorrect information? How can equifax report something past due in XX/XX/XXXX when it was paid off in XX/XX/XXXX? They show both on report paid and closed XX/XX/XXXX and current status past due in XX/XX/XXXX. This has been going on for 2 years after Equifax originally removed account from report in XX/XX/XXXX then put back on and never did an investigation after requested numerous times to do one and when they do they put current status XX/XX/XXXX past due and the circus begins. I feel like im dealing with both incompetence at Equifax as this should be seen and corrected but after numerous calls and disputes they say not their problem its creditor that is incompetent which I believe because in XX/XX/XXXX I contacted creditor too and was told to email directly to XXXX which is XXXX XXXX XXXX email so I did. I was told they would take care of and send me a letter through US mail within 5 days. On XX/XX/XXXX I did in fact send an email containing 3 documents to XXXX XXXX XXXX and as of this date XX/XX/XXXX I have never gotten either an email back or US Mail back so I kept on disputing with Equifax to no avail and now XXXX XXXX XXXX has reported paid closed but current status past due XX/XX/XXXX. This has knocked my credit score down 100 points because they are showing current status of a 2 year old closed account as past due instead of paid as agreed as they were paid in full XX/XX/XXXX. Equifax on XX/XX/XXXX states file investigation there is nothing they can do even though they know is wrong they cant do anything. Not just wrong but grossly wrong. Both Equifax and XXXX  XXXX XXXX are negligent. This account should have been corrected by equifax if they were doing a proper investigation but its obvious they dont even investigate just send out a generic electronic questionaire aka XXXX XXXX asking creditor to ok. This is not acceptable. XXXX XXXX XXXX never sees actual dispute I send in but they too are incompetent because they are reporting an account that has been 2 years closed as current status past due instead of paid as agreed. My last resort before filing a legal complaint against Equifax and XXXX XXXX XXXX is the CFPB. After which if this isnt corrected immediately a lawsuit will be brought against both as the effect this has on my ability to obtain credit is extraordinary and has effected me both financially and physically as well as psychologically as I have been turned down for credit because of and I have numerous hours sending disputes for 2 years calls on phone too and emails sent to correct their errors and they do nothing. This is irresponsible and its companies like this that should be reprimanded and fined. Its ok to make an error thats how you learn to do right the next time but to keep repeating and doing nothing to correct over 2 years is gross negligence. I have everything documented from first dispute to phone call dates and sent emails and am preparing to take this to court. Im not disputing anymore nor making phone calls or emails. Now I will seek damages if this account isnt either corrected to show current status as paid as agreed or removed. I am attaching current Equifax report page showing the stupidity of both Equifax as well as XXXX XXXX XXXX. Pay attention to the history and current status as you will see the history chart shows XX/XX/XXXX past due 120 days but nothing late prior to XX/XX/XXXX this is funny so I guess not only 2 years after closed and paid items can be late but now a month must consist of 120 days. Current status shows 120 days late. How can it currently be late if closed 2 years ago. XXXX we have a big problem. \nThis account was removed once in XX/XX/XXXX I suggest either XXXX XXXX XXXX remove account from my Equifax report or correct to reflect current status as paid as agreed and remove the past due 120 days in the history on XX/XX/XXXX. \nBecause of damage caused over 2 years but mostly the last year of both Equifax and XXXX XXXX XXXX and CFPB can note this item has been disputed previously with them.but with equifax and nothing has been done to correct that correcting this item doesn not in effect stop any legal procedure from taking place for the current and past time this has effected my ability to get credit. Equifax and XXXX XXXX XXXX are still liable should I decide to take legal action against them for the time prior to them correcting if they so choose to do which might save them some grief as it is very clear and documented the gross mistake made and anyone with an IQ of above 2 can see this mistake aka error. I expect this correction or removal be done promptly as the clock is ticking and Ive spent enough time being polite and trying to fix this without having to take legal action.Maybe the only thing these companies understand is legal action and it might take a several hundred thousand dollar law suit to wake them up.","date_sent_to_company":"2018-08-01T19:31:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60014","tags":"Servicemember","has_narrative":true,"complaint_id":"2979881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-08-01T19:31:22.000Z","state":"IL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I expect this correction or removal be <em>done</em> promptly as the clock is ticking and Ive spent enough time being polite and trying to fix this without <em>having</em> to take legal action.Maybe the only thing these companies understand is legal action and it might take a several hundred thousand <em>dollar</em> law suit to wake them up."]},"sort":[12.797367,"2979881"]},{"_index":"complaint-public-v1","_id":"2979799","_score":12.768643,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been disputing with XXXX for 2 years now about an account Planet Home Lending that was paid in full and closed XX/XX/XXXX. Planet Home Lending keeps reporting current status past due one year after account was closed and now 2 years after account is closed but they show account closed. XXXX will do nothing as they lack common sense to realize an account cant be past due if it in fact was closed 2  years ago and they will do nothing but say its what creditor reported. Give me a break so its ok to report grossly incorrect information? How can XXXX report something past due in XX/XX/XXXX when it was paid off in XX/XX/XXXX? They show both on report paid and closed XX/XX/XXXX and current status past due in XX/XX/XXXX. This has been going on for 2 years after XXXX  originally removed account from report in XX/XX/XXXX then put back on and never did an investigation after requested numerous times to do one and when they do they put current status XX/XX/XXXX past due and the circus begins. I feel like im dealing with both incompetence at XXXX   as this should be seen and corrected but after numerous calls and disputes they say not their problem its creditor that is incompetent which I believe because in XX/XX/XXXX I contacted creditor too and was told to email directly to XXXX which is Planet Home Lendings email so I did. I was told they would take care of and send me a letter through US mail within 5 days. On XX/XX/XXXX I did in fact send an email containing 3 documents to Planet Home Lending   and as of this date XX/XX/XXXX I have never gotten either an email back or US Mail back so I kept on disputing with XXXX to no avail and now Planet Home Lending has reported paid closed but current status past due XX/XX/XXXX. This has knocked my credit score down 100 points because they are showing current status of a 2 year old closed account as past due instead of paid as agreed as they were paid in full XX/XX/XXXX. XXXX on XX/XX/XXXX states file investigation there is nothing they can do even though they know is wrong they cant do anything. Not just wrong but grossly wrong. Both XXXX and Planet Home Lending are negligent. This account should have been corrected by XXXX if they were doing a proper investigation but its obvious they dont even investigate just send out a generic electronic questionaire aka XXXX XXXX asking creditor to ok. This is not acceptable. Planet Home Lending never sees actual dispute I send in but they too are incompetent because they are reporting an account that has been 2 years closed as current status past due instead of paid as agreed. My last resort before filing a legal complaint against XXXX  and Planet home lending is the CFPB. After which if this isnt corrected immediately a lawsuit will be brought against both as the effect this has on my ability to obtain credit is extraordinary and has effected me both financially and physically as well as psychologically as I have been turned down for credit because of and I have numerous hours sending disputes for 2 years calls on phone too and emails sent to correct their errors and they do nothing. This is irresponsible and its companies like this that should be reprimanded and fined. Its ok to make an error thats how you learn to do right the next time but to keep repeating and doing nothing to correct over 2 years is gross negligence. I have everything documented from first dispute to phone call dates and sent emails and am preparing to take this to court. Im not disputing anymore nor making phone calls or emails. Now I will seek damages if this account isnt either corrected to show current status as paid as agreed or removed. I am attaching current Equifax report page showing the stupidity of both Equifax as well as Planet Home Lending.  Pay attention to the history and current status as you will see the history chart shows XX/XX/XXXX past due 120 days but nothing late prior to XX/XX/XXXX this is funny so I guess not only 2 years after closed and paid items can be late but now a month must consist of 120 days. Current status shows 120 days late. How can it currently be late if closed 2 years ago. XXXX we have a big problem. \nThis account was removed once in XX/XX/XXXX I suggest either Planet Home Lending remove account from my Equifax report or correct to reflect current status as paid as agreed and remove the past due 120 days in the history on XX/XX/XXXX. \nBecause of damage caused over 2 years but mostly the last year of both XXXX and Planet Home Lending and CFPB can note this item has been disputed previously with them.but with XXXX and nothing has been done to correct that correcting this item doesn not in effect stop any legal procedure from taking place for the current and past time this has effected my ability to get credit. XXXX and Planet Home Lending are still liable should I decide to take legal action against them for the time prior to them correcting if they so choose to do which might save them some grief as it is very clear and documented the gross mistake made and anyone with an IQ of above 2 can see this mistake aka error. I expect this correction or removal be done promptly as the clock is ticking and Ive spent enough time being polite and trying to fix this without having to take legal action.Maybe the only thing these companies understand is legal action and it might take a several XXXX XXXX dollar law suit to wake them up.","date_sent_to_company":"2018-08-01T19:30:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60014","tags":"Servicemember","has_narrative":true,"complaint_id":"2979799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PLANET HOME LENDING, LLC","date_received":"2018-08-01T18:30:28.000Z","state":"IL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I expect this correction or removal be <em>done</em> promptly as the clock is ticking and Ive spent enough time being polite and trying to fix this without <em>having</em> to take legal action.Maybe the only thing these companies understand is legal action and it might take a several XXXX XXXX <em>dollar</em> law suit to wake them up."]},"sort":[12.768643,"2979799"]},{"_index":"complaint-public-v1","_id":"7488093","_score":12.735885,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian, Your personnel are clearly not performing legitimate investigations when responding to my disputes. They are instead just receiving automated responses from the OSCAR system from the so called data furnishers or alleged creditors and only take their word as legitimate. They keep sending verified letters in response and fail to read the documented evidence I provide and take non biased action and question the information they get from the creditors. Your personnel are required to know FCRA and make decisions based on that law. Most of the time they dont seem to be interested in being critical of what the data furnishers say which is a problem. Then occasionally there is a person who gets my complaints, read the evidence, and performs a proper investigation that leads to deletions of the inaccurate accounts after 6 months of you all saying that it was verified! \n\nWhen I identify problems in the report, its because you all have failed to do your job, I will now be requesting civil penalty be applied to your company and the personnel investigating for willful non-compliance with FCRA and FDCPA law. The constant stall tactics and just sending verified letters when its clear that no investigation has been conducted has financial penalties that you all are required to pay. At this time there are over XXXX instances that we have documented in CFPB of you all not complying. I will be citing these in court requesting the XXXX dollar penalty plus court costs, damages, and loss of wages. I am a XXXX percent XXXX XXXX who is fighting for his life against life threatening ailments. I need my credit to not have any negative items on it for me to be able to get the treatments I need. I dont deserve these negative items and I am really being abused by these negative items reporting here. Have compassion and please stop stalling on this. Remove the items and update them to what I am telling you they should be. \n\nThese accounts should have been deleted by now, you have all the evidence you need. Just read through all the mishandled disputes of mine you all have just ignored and sent a stall or verified letter for. \n\nXXXX XXXX Status should be : Paid, Closed, Never Late You all just corrected the XXXX card record with the same bank. Hopefully you update this one before You process this dispute. They can not provide certified mail statements proving they sent required late payment notifications. \n\nXXXX XXXX XXXX XXXX Status should be paid in full, never late. All the evidence is there. They can not provide certified mail statements proving they sent required late payment notifications. It clear that I was never late had the account for 4 years and paid if all off recently. \n\nXXXX XXXX XXXX XXXX Balace should be XXXX. This account was paid off with insurance during XXXX. I do not owe them anything. I never disputed this. This seems to be something you all did as retaliation trying to find issues to hurt me. Please correct this now. \n\nXXXX XXXX XXXX Must be deleted completely. They keep changing balance and lying. They are trying to extort me for more money. Even the document they claim shows an agreement is fraudulent, does not have my signature nor the signature of person they say signed it at the delearship. Please stop this. \n\nXXXX XXXX XXXX XXXX Should be deleted completely. Status should be paid, never late There is no balance owed! This account was resolved and completely paid off. They can not provide certified mail statements proving they sent required late payment notifications. I am tired of having to call out errors. Please just delete the account. \n\nXXXX XXXX XXXX XXXX  Status should be paid, closed, never late. There has been too much back and forth. Please fix the status or delete this account. They can not provide certified mail statements proving they sent required late payment notifications. \n\nXXXX XXXX XXXX XXXX XXXX XXXX This was done to hurt me by a former employee who worked at the property and or someone from Darkweb who stole my identity. All the evidence has been provided. The lawfirm says I am not the client they represented. \n\nI am requesting a detailed explaination of your investigative process to include the name and contact of the person working on this dispute as well as the individual contact details for the representative of the data furnisher or creditor. Actions taken by your employee need to be written along with their conclusions. This is the only evidence that an actual investigation was conducted. I can provide names and details for all the people I contacted for my own investigation into these inaccurate accounts on my credit report. It should be easy for someone who does this for a living! \n\nThe law that will be invoked against you all if you again fail to comply with my request for deletion of accounts is below. \n\nhttps : XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or","date_sent_to_company":"2023-09-01T19:27:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78665","tags":"Servicemember","has_narrative":true,"complaint_id":"7488093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-01T19:17:25.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Have</em> compassion and please stop stalling on this. Remove the items and update them to <em>what</em> I am telling you they should be. \n\nThese accounts should <em>have</em> been deleted by now, you <em>have</em> all the evidence you need. Just read through all the mishandled disputes of mine you all <em>have</em> just ignored and sent a stall or verified letter for. \n\nXXXX XXXX Status should be : Paid, Closed, Never Late You all just <em>corrected</em> the XXXX card record with the same bank."]},"sort":[12.735885,"7488093"]},{"_index":"complaint-public-v1","_id":"6717678","_score":12.656514,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Good Day, My name is XXXX XXXX XXXX XXXX am writing this complaint personally with the help of the FCRA XXXX and the FACTS ACT and any other reasource availabe to me wich is my right to do so .The FCRA affords XXXX CRA, S a period of 30 days for their investigation, so 30days from the date of submittal is what they get they do not get and extension to 60 just because they are answering a complaint answered on the cfpb website, had they attempted to fix in on their own platform we would not be here in the first place. According to the fcra they get 30 days so any more will be considered a stall tactic and looked at as what it will be a negligine violation of the fcrs and goverened laws put in place to protect consumers from the predatory nature of the CRA.S. \nMy complaint is on Equifax I have reached out to them on numerous occasions only to be told that there is NO department that can help me, they have even stated on a recorded line that they agree with me that this should not be At aproxamatly the month earlier from today my credit score was XXXX with equifax and is currently a XXXX ( verified today ) and if you were to deserve this score wich previously in my life i did but not know how in under a month do you go from a XXXX to XXXX and you have : No late payments on any accounts ( past or present ) No Hospital bills No Bankruptcy No Collections How do you go from a XXXX to a XXXX when your history wioth every single file on your credit report is exceptional and i have reached out to equifax several times explaining that this has cost me financially and that something must be done, and have been told every time that they can not even put me in touch with someone from any department because there is no onew that can help me that i just have to wait the glitch out and it will eventually work its self out!!!!! That was their responce even when i explained to them that this is right at this very second costing me money, and when asked who will reimberse me the money i am losing because someone should have to, they once again stated that they were very sorry but there is nothing they can do for me. \nEvery employee i have spoke to over the phone has openly admitted that my scpre is incorrect.So i ask this and if i need the FTC, XXXX OR EVEN @ whitehouse to answer this question i will escallate this claim to that level no problem when i am wrong, i am wrong i take my lumps and keep it moving. But I can not and will not accept punishment financially when undeserving.!!!!! \n\n*How do you go from XXXX to XXXX with no negitives on youor credit report at all? \n*How does the multi billion dollar company in charge of issuing me my personal credit score unjustly give me a terrible score and then tell me there is nothing they can do to help!? \n* how does this credit bureau not have a way to fix my score * why does a cra advise me to hire a credit advisor to try to correct their wrong Why does the CRA say no to compensating you if you hire someone that you have been adivised by them to hire to fix their mistake? \n*why when the consumer makes a mistake it is the most draatic shamed event i their financial history we lose money, aquire fines, sanctionsw dissconections or repossesions but if a CRA causes these things thatthey are not help financially and morally? \nWhy does the cfpb stand by and literally do notthiing to help XXXXI asked the cfpb to honor my request for compensation previously and the cfpb actually let the CRA XXXX if it was going to pay the violation ( like what in the XXXX kind of XXXX is that??? \n\nSo cfpb I am asking you that you force the CRA_equifax to fix my score and I also act that you make them pay for the violation of my fightz, and pay for the amount of monies that i have lost during the month that they have refused to look into my score This is 100 % unjust Equifax there is something or someon that you can contact and could have some time ago.Your stall tactics of not correcting my score have gone on long enough I am complaining here because at least here i have record making you aware on yet another platform so there is no denying me reaching out i have also documented each phone call and the represenitive i spoke with that told me that yes my score is incorrect something must be done immedatly or i have no choice to go public with this so that the others that this must be happening to can get togethere because numbers look way better for us as a group in the press than XXXX man XXXXI will also be speaking with an attorney and this may be in fact a slip up but it is one that no one cares enough to make haste and fix .I sternly attest that this is my life not just a file that you can look at or fix when you get around to it .In the life im living every day when im caring for mt XXXX son and my, high spirited little girl there are conqequensisthat i am handed for your XXXX poor job performace or personal regaurd for the consumers .I was in a wreck yesterday and with your currewnt evaluation of my credit worthiness no one will let me finance a new car, because of you credit score i do not qualify and i have worked =so hard to get what i got and achieve that XXXX for you to do what you all have done is devistatin to my family how do i gert to my kids to school or my son to the doc or myself to work how do i continue to pay your subscription fee? how do i do those things with a XXXX credit score you chose to give me that is not my actual . so i cant work cant go buy groceries can do XXXX appointments can take kids to school cant go to church cant take elderly grand mother to XXXX XXXX do any of these things because of this XXXX and that makes me unable to buy a vechile because of what you have done to me if i cant get aNOTHER CAR BECAUSAE OF WHAT YOU HAVE DONE WITH MY SCORE I WILL LOSE EVERYTHING I HAVE WORKED FOR ENTIRE LIFE.THIS IS THE WORST THING YOU CAN DO TO A FAM ILY FIX IMMEDIATLY OR I AM GOING TO SUE EQUIFAX AND I WILL SUE THE CFPB AS WELL BECAUSE I CHECK YOU ARE LIABALE FOR SUITE IF YOU ARE INFORMED OF A WRONG AND DO NOT REPORT OR DO SOMETHING SO YOUR UMBRELLA OF PROTETCTION IS GONE IF YOU DONT DO SOMETHING TO BRING THIS THE LIGHT ALSO I WILL ATTATCH SCREENSHOTS OF THEIR SUBSCRIPTION BASED APP AND THEIR SHEER CONTRADICTION AND THE SECTION OF WHATS HELPING YOUR CREDIT OR WHATS HURTING IN ONE DENTANCE THEY SAY ONE THING IS HURTING AND THE THE FOLLOWING SENTANCE THEY SAY THAT SAME THING IS HELPING MY CREDIT HOW CAN SOMETHING BE HELPING AND HURTING AT THE SAME TIME WITH AVDISE LIKE THAT HOW CAN YOU MONITOR YOUR CREDIT EVEN THOUGH YOUR PAYING THEM FOR THIS PRODUCT i WILL SHOW PICS OF WHERE IN THE YEAR IVE BEEN PAYING I HAVENT BEEN ABLE TO GEWT MY SCORE WAS TOLD THEY WOULD FIX IT BUT HAVE NEVER DONE ANYTHING BUT MORE THAN ANYTHING INEED NO I DEMAND THEY FIX MY CREDIT SCORE","date_sent_to_company":"2023-03-19T23:50:25.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"6717678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-19T22:38:15.000Z","state":"SC","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["how do i do those things with a XXXX credit score you chose to give me that is not my <em>actual</em> . so i cant work cant go buy groceries can do XXXX appointments can take kids to school cant go to church cant take elderly grand mother to XXXX XXXX do any of these things because of this XXXX and that makes me unable to buy a vechile because of <em>what</em> you <em>have</em> <em>done</em> to me if i cant get aNOTHER CAR BECAUSAE OF <em>WHAT</em> YOU <em>HAVE</em> <em>DONE</em> WITH MY SCORE I WILL LOSE EVERYTHING I <em>HAVE</em> WORKED FOR ENTIRE LIFE.THIS IS THE"],"sub_issue":["Other <em>problem</em> getting your report or credit score"]},"sort":[12.656514,"6717678"]},{"_index":"complaint-public-v1","_id":"2700764","_score":12.641327,"_source":{"product":"Mortgage","complaint_what_happened":"Pursuant to 12 CFR 1024.35 I am informing Ditech Financial that our escrow account has a shortage of at least {$2600.00}. The reason for this shortage is that the Ditech tax department authorized payment to the INCORRECT XXXX County tax account in XXXX of XXXX, and has since paid OUR taxes, but continues to bill us for the shortage created by this error. Our tax account number is XXXX, Ditech Financial paid account number XXXX. The result of this mistake is that from XXXX of XXXX until XXXX of XXXX, we OVERPAID each month because our tax liability was {$2000.00} and the taxes for account that was paid was {$2600.00}. We are now being forced to pay into our escrow account for BOTH our taxes AND the {$2600.00} that was paid in error. \n\nOn XXXX XXXX, XXXX we had an escrow balance of {$1900.00} and since that date we have paid an additional {$5400.00} for a total balance of {$7400.00}. Our ACTUAL escrow expenses ( PMI, Insurance, and Taxes ) during this time totaled - {$4800.00}. As of todays date our escrow balance should be {$2500.00}. But because Ditech has been unable to resolve this issue despite being made aware of it on XXXX XXXX, XXXX we are now being extorted. Forced to pay money we do not owe by threat of economic ruin if we refuse. In XXXX we were forced to pay {$1700.00} and this month we were forced to pay {$1500.00}. In XXXX and XXXX we were forced to pay {$1400.00}. Our ACTUAL mortgage payment should be right around {$1300.00}. We did not make the mistake, but we are being FORCED to pay because of it. \n\nHad our escrow been calculated correctly, using the correct tax lot, we should have had a monthly escrow payment just over {$400.00} ( exactly {$400.00} ). Therefore our mortgage payment for the past year should have been {$1300.00}. When our payment went up from {$1300.00} to {$1300.00} in XXXX of XXXX I called Ditech customer service. The gentleman I spoke with was able to show me that somehow our tax liability went from {$2000.00} to {$2600.00} ( I thought there must have been some massive bond that I missed on a local ballot ). \n\nI discovered the actual mistake in early XXXX of XXXX because we kept receiving a bill from the XXXX County Assessor 's Office. When I called Ditech Financial on XXXX XXXX, XXXX at XXXXXXXX PST I spoke with XXXX. XXXX transferred me to XXXX in the tax department who let me know that XXXX is the account that was paid. I informed her that our account was XXXX and she had me use XXXX to confirm this. On XXXX XXXX, XXXX XXXX County received the payment of {$2200.00} ( {$2000.00} plus late fees and interest ). \n\nI thought this would be the end, yet in XXXX we received a bill for {$1400.00}. I assured my wife that our mortgage payment would return to normal once the dust settled on this tax fiasco. When I received my XXXX XXXX bill of {$1700.00} on XXXX XXXX, XXXX I was furious! Now our recalculated bill was {$360.00} OVER what we should have been paying. This calculation included the deficit created by the {$2600.00} and a DOUBLE payment of the {$2000.00} amount as well as our PMI and insurance. I spoke with XXXX at XXXX on XXXX XXXX, XXXX. She promptly fixed the mistake of the DOUBLE charge of {$2000.00} charges and had our escrow recalculated. This action caused our payment to be at its current amount of {$1500.00}. \n\nI have now spent countless hours on the phone with the Ditech Financial customer service and tax department, speaking directly with employees at XXXX County Assessment & Taxation, contacting [ individual whose taxes were paid ] ( via XXXX XXXX, conversation documented ), researching legal remedies, and documenting this entire experience. \n\nAT NO TIME did anyone at Ditech Financial indicate that we had to make this request in writing. Numerous people told me it would be fixed. While searching for a remedy, I discovered that, until I notify Ditech Financial in writing, Ditech Financial can not be held legally responsible for correcting these errors, despite the several promises made over the telephone and an email claiming that this problem had been resolved ( reference # XXXX ). To correct this error I have done all the work! I found the mistake, I contacted the tax authority, I contacted the individual whose taxes were paid, I discovered that it was MY responsibility to notify Ditech Financial in writing. Through all of this Ditech has done virtually NOTHING! \n\nWhen I XXXX Ditech, the first page of results shows that, on XXXX, Ditech has a rating of 1.1 stars out of XXXX from XXXX  reviews. This experience shows me the reason for this incredibly low rating. Fortunately, my wife and I have good credit and strong income, so we are not forced to keep Ditech as our mortgage company. I truly sympathize with people who lack the knowledge or resources to deal with the incompetent and/or criminal behavior of Ditech Financial. We had to use money from our savings to cover the XXXX XXXX payment. We will have to continue to use our savings because, despite many verbal promises, this error is NOT being fixed. When it is fixed we wont receive a check for the money that has been TAKEN! Our mortgage payment will simply go down, which means we wont see the entirety of OUR money from OUR savings for TWELVE MONTHS! I will be contacting Senator XXXX XXXX, Oregons senior senator, who is a strong advocate for Oregonians. I also plan to file a complaint with the Consumer Financial Protection Bureau. I know there are many people that lack the resources to combat the egregious INACTION taken by Ditech Financial that is placing upon us a tremendous financial burden ( several hundred dollars each month now! ) and if this happened to us, then it is probably happening to others as well. \n\nI sent a letter containing most of the information above using Certified Mail. It was accepted by Ditech on XXXX XXXX, XXXX despite the Code of Federal Regulations 1024.35 stating that Ditech must acknowledge IN WRITING within XXXX  days that they have received my letter which is an official notice of error we have received NOTHING from Ditech . We are in the process of refinancing our home which will indirectly cost us tens of thousands of dollars. We are willing to lose this money so that we NEVER HAVE TO DO BUSINESS WITH DITECH AGAIN.","date_sent_to_company":"2017-10-12T23:35:38.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"978XX","tags":null,"has_narrative":true,"complaint_id":"2700764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2017-10-12T22:41:06.000Z","state":"OR","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":null},"highlight":{"complaint_what_happened":["While searching for a remedy, I discovered that, until I notify Ditech Financial in writing, Ditech Financial can not be held legally responsible for <em>correcting</em> these errors, despite the several promises made over the telephone and an email claiming that this <em>problem</em> had been resolved ( reference # XXXX ). To <em>correct</em> this error I <em>have</em> <em>done</em> all the work!"]},"sort":[12.641327,"2700764"]},{"_index":"complaint-public-v1","_id":"2727927","_score":12.503052,"_source":{"product":"Mortgage","complaint_what_happened":"Good day Sir or Madam : First let me say that I am at work and I do not have access to my account or mortgage Number. \n\nI am writing you because I wish to ask you please help my wife and I keep our home. We do not believe our story has been communicated to you correctly. Our attorney XXXX XXXX has tried to help us but we feel he is being pressured by a larger entity. \n\nI want simply to be treated fairly. My wife and I have lived in our residence for 19 years. I am a Veteran of the cold war error. My wife has been teaching for 30 years and is ready to semi retire. We have maintained our property @ XXXX XXXX XXXX in XXXX XXXX and added ( new windows, furnace, Hot water tanks and roof ) We even replaced our entire dining room 2 years ago with our own money due to water damage. We have been unable to cash an XXXX dollar insurance check because the lender refuses to endorse the check. \n\nWe are victims of the housing crisis but we are being treated like criminals. We refinanced our home in XXXX. We were told our home was worth XXXX + XXXX dollars. At the time interest rates were high. We excepted a XXXX rate and were told that if we made all payments on time for 2 years we could refinance for a lower rate. \n\nWhen we attempted to refinance in XXXX we were laughed at by the mortgage company. We had the house re- appraised and found it was only worth XXXX. I went back to XXXX and requested the initial appraisal. I was told they did not have it. \n\nSo we were stuck we could not refinance because we were upside down. Owing the then Mortgage company Litton more than what the property was worth. \n\nIn XXXX we were hit by the down turn in the economy and I lost XXXX XXXX of my income almost overnight. \nI contacted Litton and requested assistance. They in turn had me fill out modification paperwork. We were accepted and made 3 payments of XXXX for the trail modification. But when we received the paperwork for the actual modification the payment ballooned to XXXX  monthly. This was not what we had agreed on and I did not sign the modification. \n\nAfter that we began to use online modification companies and spent approximately XXXX to XXXX XXXX dollars, bowring from our retirement funds. We were told to pay down bills to make our situation look better by the Modification companies. \n\nI really thought we were doing the correct thing. We knew we owed the money and thought these companies were on our side. I no better now. At least 3 times we paid a retainer for their lawyer 's and all three times we were informed that Litton Loan rejected us because we made to much money. The last rejection was in XXXX. After that we heard nothing from Litton loan. No phone calls nothing. We assumed we were in foreclosure being served in XXXX. So we waited to hear something. \n\nIn XXXX our loan was purchased by Ocwen and now I find out that XXXX XXXX also owns a part of the note. We hired an attorney ( XXXX XXXX XXXX to hopefully help us get a resolution to this issue. 2 times we filled out modification paperwork and 2 times we received no response. We had meeting after meeting with our attorney. Each time XXXX XXXX would call the bank the lawyer representing Ocwen and each time he was told nothing has been done. \n\nIn XXXX we received paperwork that we were being sued by XXXX XXXX. Caught us by surprise. We had no Idea who XXXX XXXX was. There was a slight problem with the paperwork. My son XXXX was mentioned on a number of pages. We immediately called our attorney and ask why this was so. He of course had no idea. \n\nWe then received a modification notice from Ocwen. And we were unwilling to sign it. We thought our son would be hurt financially so we refused. But Ocwen sent out a notice that we missed payments and actually charged us for something we never agreed to. \n\nWe were offered yet another Modification that no intelligent person would sign. They wanted the balance of the loan + XXXX \n\nAgain I never disputed that we owed the money. My issue is that My wife and I are being unjustifiably sued by an entity that after 9 years could not foreclose on us. We in good faith tried to solve the issue. They have stalled and failed to do anything. \n\nNow we are placed in a spot where we owe XXXX for a home that at best is worth XXXX I am not a lawyer, But it was explained to me that NYS statue of limitations gives the bank or mortgage company 6 years to foreclose. remember this started in XXXX. By my count that is more then 6 years. \n\nI 'm not sure you can do anything. We would just want to live our lives out in the home our children grew up in. If there is anything you can do for us we would be grateful. \n\n\n\nThank you XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX","date_sent_to_company":"2017-11-13T17:08:28.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"142XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2727927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2017-11-13T16:48:51.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["But when we received the paperwork for the <em>actual</em> modification the payment ballooned to XXXX  monthly. This was not <em>what</em> we had agreed on and I did not sign the modification. \n\nAfter that we began to use online modification companies and spent approximately XXXX to XXXX XXXX <em>dollars</em>, bowring from our retirement funds. We were told to pay down bills to make our situation look better by the Modification companies. \n\nI really thought we were doing the <em>correct</em> thing."]},"sort":[12.503052,"2727927"]},{"_index":"complaint-public-v1","_id":"3303000","_score":12.501561,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Hello. It is XX/XX/XXXX my name is XXXX XXXX. My current case number is XXXX. I do not want the CFPB to contact Wells-Fargo. My problem is with the CFPB because for eight years the CFPB has conducted collusion with Wells-Fargo and protected them for some reason? I will not inform or contact the Ombudsman 's Office at the CFPB because in late XXXX that department did not do their job. If I did contact the OMB 's office it would be a waste of my time. Just read the letter that was sent to me from the OMB 's Office in XXXX-it is ridiculous and unprofessional. The OMB tried to contact me via e-mail and the e-mails went to my spam folder and then my case collected dust for over five months and nothing was done correctly? In XX/XX/XXXX I received a letter from the OMB. My complaint was against the CFPB. The OMB 's department purposely confused the actual complaint. How can a department turn proof away from the truth? The CFPB and the OMB 's office has made a mockery regarding all of my cases against Wells-Fargo and my personal complaint against the CFPB? This is unfair and unconstitutional. THE CFPB HAS NOT PROPERLY INVESTIGATED MY 13-14 CASES AGAINST WELLS-FARGO AND THIS GOES BACK TO XXXX. ONCE AGAIN I DO NOT WANT THE CFPB TO INCLUDE WELLS-FARGO IN MY CURRENT COMPLAINT. MY COMPLAINT IS THE CFPB. I HAVE RIGHTS AND MY RIGHTS HAVE BEEN VIOLATED SINCE XXXX WITH THE CFPB. In XXXX when I made a complaint through the OMB 's  office-I called many times in a four/five month period and left messages via phone, e-mailed the office and sent letters. Nothing was handled correctly? I received one call in five months and then nothing was done for my benefit and this was the department that should have contacted me, asked questions to get to the truth and then I should have received an appropriate compensation through the CFPB and/or the OMB 's office?? Instead, I received a letter to tell me my case was closed. How can the OMB 's office do this to me? I am a victim and the guilty parties are Wells-Fargo and the CFPB and the OMB 's department. In XXXX when my car was unlawfully seized from my house-my property through Wells-Fargo my life changed and so did my finances and my credit. It is still affecting me to this day. DO I HAVE TO SAY THIS AGAIN-I HAVE CREDIT PROBLEMS AND THIS IS DUE TO THE LOSS OF MY CAR THAT WELLS-FARGO TOOK FROM ME AND THIS IS AGAINST THE LAW! I had so many cases with the CFPB against Wells-Fargo and it cost me a lot of money to send faxes and letters and I wasted so much of my time and nothing was properly resolved-every opportunity I thought I had with the CFPB turned out to be in the favor of Wells-Fargo? How can this be? Wells-Fargo is the guilty party and from day one of their unlawful repossession my life changed drastically as well as my children. I will give you an example on XX/XX/XXXX I called up Wells-Fargo and spoke to XXXX XXXX at the Office of the President. I was informed he is not allowed to talk to me any longer? Mr. XXXX explained to me that the CFPB contacted him and informed him of my new madness? How can the CFPB do this? The problem is, is no-one is taking responsibility for these actions? Not the CFPB not Wells-Fargo? When I question these true facts at a later time I am then ignored and my complaint is then kept secret by Wells-Fargo and the CFPB? I have never once seeked any type of assistance for legal help from the CFPB but I had the right to make the CFPB understand I am a victim and Wells-Fargo caused much financial harm against me. Then the CFPB was to take my evidence and enforce the law against Wells-Fargo and no-one at the CFPB did this? I was informed recently by a representative at the CFPB-that the CFPB does not assist single individuals regarding enforcement? HOW CAN THIS BE? In XXXX-I tried to join the Auto Lawsuit against Wells-Fargo and to no availability? I was informed by that Law firm ( I do have the Name of that Law firm ) this included customers that had XXXX  XXXX  XXXX. However, this is all a misconception and every one knows this at the CFPB and Wells-Fargo because my problems were with XXXX/XXXX  who then changed their names to XXXX  XXXX. THIS IS THE TRUTH AND NOTHING BUT THE TRUTH! Since XX/XX/XXXX I have sent about 150 e-mails to the Board at Wells-Fargo and I did not receive any more responses from the Board-never once did I ever receive an e-mail from them just a \" THANK-YOU RESPONSE '' -in the past nine months no responses at all?? I have been trying to reach XXXX XXXX at Wells-Fargo-via e-mail and all of my e-mails failed and were not sent? XXXX XXXX was the person at Wells-Fargo who informed me to contact XXXX XXXX? I have been black-listed from Wells-Fargo!!! The past few weeks I have tried to contact XXXX XXXX XXXX Law firm in New York for Wells-Fargo and he is ignoring me as well? I have sent letters to XXXX XXXX CEO at Wells-Fargo/XXXX XXXX/XXXX XXXX  regarding REDRESS and no response from anyone? This is all because something very wrong is going on with the CFPB and Wells-Fargo. My rights have been not only violated by the CFPB and Wells-Fargo but have also violated banking laws/Truth in Lending Act and many other types of violations that are suppose to be for the victim when a Bank commits fraud. Wells-Fargo committed fraud and it was accepted by the CFPB because the CFPB is the regulator to make sure Mega Banks do not cheat their customers but because I am an individual my rights should have been important but they were not and this is the reason why the 13/14 cases through the CFPB were closed by the CFPB and I should have been informed. I wasted eight years with the CFPB and this is so unfair? What I do not understand is with all my cases I have had with the CFPB why didn't the CFPB/Wells-Fargo inform me of the Auto scandal that was known in California but Wells-Fargo kept it a secret and so did the CFPB? Customers on the West Coast knew of the Auto scandal in XXXX of XXXX but me living in New York-I did not find out until XX/XX/XXXX. I found out through Attorney General 's office in New York. This is all so shameful and what a crazy unlawful story. At the same time while every one was covering up the auto scandal Wells-Fargo sent a letter from one of their Lawyer 's XXXX to I believe XXXX XXXX and/or Mr. XXXX to : \" PLEASE DO NOT ALLOW THIS INFORMATION TO BE KNOWN TO THE PUBLIC BECAUSE IT WILL CAUSE INJURY TO WELLS-FARGO. '' Who cares what Wells-Fargo wanted? Wells-Fargo committed the CRIMES. It should have only been ABOUT THE CUSTOMERS FROM THAT POINT ON ... XXXX WELLS-FARGO GETTING CAUGHT IS MY PROOF LIKE I TOLD THE CFPB AND YOU ALL DID NOTHING!!! TO THINK OF THE MONEY THIS BANK MADE IN PROFIT-THIS HAS BEEN GOING ON SINCE XXXX. BILLIONS AND BILLIONS OF DOLLARS-SO MUCH MONEY THAT THE BANK GAINED AND THERE WAS SO MUCH MONEY-WELLS-FARGO DIDN'T KNOW WHAT TO DO WITH IT SO THEY GAVE IT TO MANAGERS- '' JOB WELL DONE '' HERE IS {$10000.00} CASH INCENTIVE FOR THE MONTH EVERY MONTH FOR YEARS OTHER THAN THEIR PAYCHECKS. So, it is obvious the CFPB has colluded with Wells-Fargo as far back as XXXX and nothing has changed since. The CFPB has caused my truth to be ignored and this is unfair. I am in deep financial hardship and something has to be finally done at the CFPB to enforce the Law-that should have been enforced so many years ago. the only thing the CFPB should do is apologize to me and then at the same time send me a refund of my financial problems that were caused by Wells-Fargo. Here is another fact. A few weeks ago I called up the wrong number at wells-Fargo-I called the collection department in New York and found out that there are five-hundred employees working in that department. WHY SO MANY? BECAUSE WELLS-FARGO HAS NOT CHANGED IN THEIR BELIEF TO STEAL AND THIS WILL NEVER CHANGE. THE CFPB HAS NOT DONE THEIR JOB TO KEEP THIS BANK FROM THEFT AND I AM AN EXAMPLE OF WHAT HAPPENS WHEN VICTIMS ARE SILENCED AND IGNORED BECAUSE YOU ALL HAVE THE POWER TO MAKE MY STORY AND EXPERIENCE WITH WELLS-FARGO NOT ABOUT ME BUT ONLY IN THE FAVOR OF EMPLOYEES WHO WEAR SUITS/DRESSES AND GIVEN PERMISSION FOR THEM TO STEAL. THIS IS WRONG AND SOMETHING HAS TO CHANGE AND IT SHOULD BE TODAY. Thanks, XXXX XXXX","date_sent_to_company":"2019-07-16T12:37:34.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"109XX","tags":null,"has_narrative":true,"complaint_id":"3303000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-07-11T15:58:41.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The OMB tried to contact me via e-mail and the e-mails went to my spam folder and then my case collected dust for over five months and nothing was <em>done</em> <em>correctly</em>? In XX/XX/XXXX I received a letter from the OMB. My complaint was against the CFPB. The OMB 's department purposely confused the <em>actual</em> complaint. How can a department turn proof away from the truth?"]},"sort":[12.501561,"3303000"]},{"_index":"complaint-public-v1","_id":"8720109","_score":12.348526,"_source":{"product":"Checking or savings account","complaint_what_happened":"SUPPLEMENTAL INFORMATION CONCERNING COMPLAINT XXXX PREFACE Since my initial complaint of XXXX XX/XX/2024 to CFPB, my unceasing contacts with Bank of America have begun to merge in my memory. Thus, some of the chronology may be slightly out of order, but all are actual events that have transpired since my initial submission. \nXX/XX/2024 XXXX. In preparation to close my savings account, I tried to register two money management firm recipients to receive international wires from me into their USD accounts. \na. NOTE : I had been advised that my XXXX XXXX status waived any international transaction fees for a dollar-to-dollar transfer. ( recorded ) 2. Each attempt alleged USB key was not familiar. This is despite successfully using this same key for two test transactions in 2024 to my French bank, XXXX XXXX ( XXXX and {$10.00} ). \n\n3. I continued to try, and again, without warning, my account was blocked because I exceeded the number of transactions allowed a. A computer screen message provided a specific phone number for assistance. I called, and because I live in a Euopean time zone, the office was closed. I was however first entertained with multiple messages, including what your bank does for the military before I was advised the offices were closed. \nb. I called the executive offices ( as previously instructed in writing and recorded ) and left messages. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX my point contact and BofAs resolutionary specialist ) never responded to my voice mail messages ) 4. On XX/XX/2024 I telephoned the suggested number to coincide with the nine-hour time difference. The representative was very cordial, agreed my account was blocked and put me on hold while he spoke with a colleague to unblock the account. The call lasted approximately XXXX minutes. A recorded message suddenly replaced my holding status with : Your call is very important to us and the next available representative will be with you as soon as possible a. Thus, my original contact was disconnected and with yet another representative I again began the process. \nb. The representative advised me he was not authorized to perform this transaction but would transfer me to Tech Support. He very kindly stayed on the line until I was connected.\n\nc. Again, I encountered a cordial representative saying You are in the right place, I can help you 5. I began again. \na. Multiple versions of identifying confirmation were once again given. The representative profusely apologized my account was blocked and together we would reinitialize my USB key. \nb. She successfully uninstalled/reinstalled my key which resulted in a message that BofA did not recognize the key i. She asked, and I confirmed, that I had a second USB key, but not at my fingertips. She advised me she could stay on line for only one minute and I told her I could not guarantee the 60 second search constraints. ( the irony of the disparate on hold times was not lost on me ) ii. Another phone call, another representative, another summary of the problem, another at-tempt with the replacement USB and another response that the bank did not recognize the key iii. I confirmed it was a XXXX high security key purchased from XXXX XXXX. My IT provider confirmed several days earlier that my computer was functioning correctly and the problem appeared to reside with the bank. \nc. Another attempt resulted in Problem with processing request. System temporarily unavailable. Please try again later d. Another try : while on hold as the representative was resolving the problem the phone call discon-nected. I falsely assumed that after all the time she invested on our call ( and my documented his-tory ), she would telephone or email me as a follow-up. She did not. In fact, the only time BofA has called me is when they received my complaint ( XXXX ) to their executive offices and to the CFPB.\n\n6. I now have an uninstalled USB key which can not be reinstalled without a security code via a USB key or a US cell phone number. In other words : I CAN NOT ACCESS MY FUNDS.\n\n7. At some point ( chronology blurred ) XXXX XXXX told me : a. I would need a notarized letter for transfers over {$25000.00} and I would need to leave {$50.00} in my account. Why was I not told this before? Her reply ( recorded ) Im telling you now. \nb. I lost my composure, interrupted her and recited a litany of incessant problems with the bank and also pointed out a notarized statement in XXXX could not be obtained in XXXX. \ni. More precisely, I could obtain an official, notarized translation but it would cost XXXX. And of course, would BofA recognize a foreign version of a notarized document? \nc. She snapped back ( paraphrased ) that she was trying to explain things but I would not let her talk. I said I was as annoyed with her as she was with me not the finest of moments for either one of us.\n\n8. She volunteered to close my savings and send a USD check by regular mail to my home in XXXX : a mailing that can not be tracked nor provide recourse if it is lost in the mail XXXX XXXX in Client Escalations ( well named ) advised me registered mail was not an option. ( recorded ) a. While receiving my funds in USD in XXXX is possible, the inflated exchange rates and service charges are hefty and not in my best interest. XXXX XXXX advised me it is done all the time. \nADDITIONAL, RELEVANT INFORMATION I wish to close my Savings account, but can not without a code I wish to deposit my money to another USD account, but can not use my USB key or a XXXX phone number and without coordinating times and schedules on both sides of the XXXX. \no In order to transfer 100 % of my funds, I need to formerly close the account. but where do I put my money without entering where to transfer the money? \nAbout XXXX XXXX, as a test, I tried to wire {$10.00} to my French account. It went through without a XXXX XXXX and without a code sent to a US cellular phone!\n\no How is that possible? \no Is {$10.00} below the amount that needs the banks protective security? \no What sum is considered enough for a security protection? \no Is it not possible that fraudulent transactions can occur {$10.00} at a time? \n\nWhy, several years ago, when I replied unfavorably to a bank-initiated evaluation of a customer service transaction did BofA send me {$5.00} for a a cup of coffee as recompense for my inconvenience?\n\no Thus when, in frustration, I commented to XXXX XXXX, I was beginning to feel I should be compensated for my major inconveniences and missed opportunities to transfer money when rates were favorable, she replied we do not offer recompense ( recorded ) Again, the irony was not lost on me. \nA recent email from BofA stated my initial complaint was still under review and a reply would come within 60 days. \no What do I do during these two months to access my funds and avoid further inconveniences?\n\nCFPB ASKS WHAT DO I CONSIDER A REASONABLE SOLUTION?\n\nThe first time I offered two solutions. My first solution remains intact, but the second solution is no longer an option Now, I also wish to be compensated for o the missed opportunities to transfer funds to a money management firm in XXXX with a USD account when the rates were lower than they are today. \nAccording to XXXX XXXX recorded comment, my status as a preferred customer entitles me to waived international transaction fees. ( a transfer of dollar to a dollar account ) o I wish to be recompensed for lost time, emotional upheaval and being put in the humiliating position of borrowing money from my aged mother-in-law because I could not access my money. \no I have lost hours of being available to perform my revenue- producing work because of time dedicated to this problem. \no Despite this XXXX and XXXX relationship, I urge you to rectify my experiences fairly, and not with a voucher for a cup of coffee.","date_sent_to_company":"2024-04-08T14:19:40.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8720109","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-04-08T14:07:10.000Z","state":null,"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":["SUPPLEMENTAL INFORMATION CONCERNING COMPLAINT XXXX PREFACE Since my initial complaint of XXXX XX/XX/2024 to CFPB, my unceasing contacts with Bank of America <em>have</em> begun to merge in my memory. Thus, some of the chronology may be slightly out of order, but all are <em>actual</em> events that <em>have</em> transpired since my initial submission. \nXX/XX/2024 XXXX."]},"sort":[12.348526,"8720109"]},{"_index":"complaint-public-v1","_id":"3426931","_score":11.88258,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint is against XXXX XXXX XXXX XXXX XXXX, South Carolina. This lender financed the purchase of a Buy and Hold Rental investment property I acquired back in XXXX of XX/XX/XXXX \nThey also approved a $ XXXX construction loan for the property. XXXX my down payment of $ XXXX - They rolled both loans into a single note, so I make a XXXX mortgage payment ( principal and interest ) each month. The problem is with the construction loan. \n\n1. Once I got approval for the loans, I asked my loan XXXX and the broker who found this lender several times for the terms and guidelines for draw on the construction loan. No response- which should have been a red flag at the time but I chalked it up to them being busy. I asked a final time just before closing day and the XXXX XXXX XXXX XXXX responded saying \" After you close you'll be able to login to your dashboard and get those details ''. After closing, I did what he said and to my surprise I found out the construction loan was actually a Reimbursement Loan. My contractors were waiting for a XX/XX/XXXX % down payment before they could start, I had no money after dropping $ XXXX and a construction loan that seemed worthless. I called and spoke to a representative at XXXX XXXX explaining the bind these terms were putting me in and how much it would delay my project if I had to find money to pay for the work first, then wait for them to re-imburse me. All I got was a recital of their policy and the rep telling me there was nothing he could do. \n2. The other problem was they had pre-populated a list of construction line items with amounts they would re-imburse me for them. The numbers were way off and several items didn't seem to account for labor just materials. I called back and spoke to my rep to let her know and she said, \" I'll give you one time to change the list but whatever # XXXX you put in you'll have to live with it. '' I asked, but what if we come in under on something or go over the amount allotted? Will I be able to reconcile and move excess cash to other categories. She said no. I pleaded with her to give us the flexibility we needed and allow me to plug in actual cost after the work is done and in the end as long as we didn't go over the $ XXXX there shouldn't be a problem. She said no, \" Our policy doesn't allow us to do that. \n\n3. When I tried to get a draw for over $ XXXX - she sent an email saying she could only reimburse for about $ XXXX because what I indicated had been finished was not. This is according to photos sent by an inspector they send to the house each time I request a draw whom they deduct a {$200.00} fee from my loan to pay. I had to get my contractors on a call with her to clear it up and it turns out the bank 's definition of finished differed from my contractors -- yet no where did the bank have in writing what any definitions were. It just seemed to be whatever my rep thought she saw in the pictures and it was apparent during the call she didn't even understand what she was looking at. She agreed to increase the re-imbursement amount by a few thousand dollars but it still was not the full amount. Using consumer credit lines, I purchased cabinets and appliances that were deeply discounted because they fit into the budget designated by XXXX XXXX - only to be told that although they are on site at the property, I can not be re-imbursed until they are installed. Without the full reimbursements, that was more cash I had to find somewhere to keep my contractors going and to pay on the credit lines. \n4. I wrote an email and sent to XXXX XXXX managers and my loan XXXX explaining that the terms of this loan are going to cause my project to come to a halt and I pleaded with them to help me by adjusting their policy and releasing the funds. They refused. \n\n5. Then on the next draw request - it happened again - the loan XXXX refused to reimburse me for the amount I requested. This time my construction project did stop because my workers could not continue without payment which was already slow. It became painfully clear to me that this lender was not the real estate partner they advertise. And although I have not missed a payment -- I feel they are trying to set me up to fail so they can take my property. \n6. The final straw happened a few days ago, when after I was finally able to get more money to get things moving again - I submitted request for a draw. The inspector came on Thursday. Friday I called XXXX XXXX to ask if they could XXXX me a reimbursement that day because my contractors were willing to work on the weekend if I could send payment for some materials. My loan XXXX recited policy again and said she would get me the reimbursement Monday or Tuesday of the next week. In real estate, time is money and this lender has purposefully cost me time and money again and again. My contractors said they would have been finished in 3 months had the money situation been correct. We are now at the 7 month mark and counting. My project is in limbo because the bank is still holding over half of my construction loan funds ... meanwhile I'm paying principal and interest as if I have all the money -- when I don't. This is grossly unfair for any business calling themselves a lender and partner to ANY customer.","date_sent_to_company":"2019-11-06T20:06:20.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"30092","tags":null,"has_narrative":true,"complaint_id":"3426931","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Lima One Capital, LLC","date_received":"2019-11-04T01:11:28.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I pleaded with her to give us the flexibility we needed and allow me to plug in <em>actual</em> cost after the work is <em>done</em> and in the end as long as we didn't go over the $ XXXX there shouldn't be a <em>problem</em>. She said no, \" Our policy doesn't allow us to do that. \n\n3. When I tried to get a draw for over $ XXXX - she sent an email saying she could only reimburse for about $ XXXX because <em>what</em> I indicated had been finished was not."]},"sort":[11.88258,"3426931"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":69,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":69}]}},"product":{"doc_count":69,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":22,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":14},{"key":"Other type of mortgage","doc_count":3},{"key":"FHA mortgage","doc_count":2},{"key":"Conventional fixed mortgage","doc_count":1},{"key":"Reverse mortgage","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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