{"took":430,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":316,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16778895","_score":16.346544,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to dispute a debt sent to TEK Collect Inc for the amount of {$2000.00} for the services from XXXX XXXX XXXX which went out of business near the beginning of my treatment. \n\nBasis for Dispute ( Breach of Contract/Failure of Consideration ) The basis for this dispute is that the original creditor, XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), is currently undergoing bankruptcy proceedings and has ceased all operations, resulting in a fundamental Breach of Contract and Failure of Consideration. \n\nContract Unfulfilled : The services and products for which this alleged debt was incurredspecifically, the ongoing clinical treatment by a certified orthodontist was never rendered. I was never able to receive any consultations or appointments with a professional XXXX, as promised. \n\nCessation of Services : As XXXX  has announced bankruptcy, dissolved its business, and discontinued all customer and clinical support, the contract for orthodontia services, which included the expectation of clinical oversight and treatment adjustments, can not and will not be fulfilled. \n\nInvalid Debt : Consequently, any debt related to services that were not fully rendered, or for which the essential clinical support is now nonexistent, is invalid, unenforceable, and not owed.","date_sent_to_company":"2025-10-23T17:28:54.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"20906","tags":null,"has_narrative":true,"complaint_id":"16778895","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TekCollect Inc.","date_received":"2025-10-23T17:00:48.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Cessation of Services : As XXXX  has announced bankruptcy, dissolved its business, and discontinued all customer and <em>clinical</em> support, the contract for orthodontia services, which included the expectation of <em>clinical</em> oversight and treatment adjustments, can not and will not be fulfilled. \n\nInvalid Debt : Consequently, any debt related to services that were not fully rendered, or for which the essential <em>clinical</em> support is now nonexistent, is invalid, unenforceable, and not owed."]},"sort":[16.346544,"16778895"]},{"_index":"complaint-public-v1","_id":"7372000","_score":15.288584,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XXXX of XXXX, my vehicle was broken into. My wallet and other valuable items were taken. My wallet contained my phone, license, health insurance card, car insurance card, COVID-19 vaccination card, cash, and private information. I believe the incident occurred while I was attending mandatory clinicals for my XXXX  program. My clinical groups were instructed by our XXXX  dean to always park as far away as possible from the hospital to respect patients and visitors. That week, I attended clinical every day for twelve hours a day. My car was mainly parked in unsupervised, wooded areas.\n\nSince my clinical schedule was so busy that week, I did not realize something was wrong until I randomly checked my online account and saw that numerous large transactions had been made with my debit card in multiple states. The total amount of fraud was well over XXXX XXXX XXXX, my entire savings. I immediately contacted Bank of America and I filed two claims, however both were eventually denied. I have contacted Bank of America time and time again since then seeking a resolution. They have denied every claim. I have explained the incident to them in detail. I have restated multiple times that I did not authorize any transactions that were made. I have provided various pieces of evidence proving my whereabouts during the period of time the transactions were made. I have restated multiple times that my phone was not in my possession, nor did I have a password on my phone at the time. I had to replace everything that was stolen including my phone. I have provided Bank of America with more evidence than I honestly think is needed. I have provided my work schedule, clinical schedule, class schedule, police report documentation, XXXX  exam documentation, documentation from my doctor who I visited during the period of time the transactions were made in other states, etc.","date_sent_to_company":"2023-08-08T06:09:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"34655","tags":null,"has_narrative":true,"complaint_id":"7372000","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-08-08T05:19:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I believe the incident occurred while I was attending mandatory <em>clinicals</em> for my XXXX  program. My <em>clinical</em> groups were instructed by our XXXX  dean to always park as far away as possible from the hospital to respect patients and visitors. That week, I attended <em>clinical</em> every day for twelve hours a day. My car was mainly parked in unsupervised, wooded areas."]},"sort":[15.288584,"7372000"]},{"_index":"complaint-public-v1","_id":"6885887","_score":14.778937,"_source":{"product":"Debt collection","complaint_what_happened":"I paid the medical bill the same day of the clinical visit on XXXX and the amount charged was of XXXX $ not the amount of XXXX $","date_sent_to_company":"2023-04-26T03:31:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"00612","tags":null,"has_narrative":true,"complaint_id":"6885887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2023-04-26T02:54:51.000Z","state":"PR","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I paid the medical bill the same day of the <em>clinical</em> visit on XXXX and the amount charged was of XXXX $ not the amount of XXXX $"]},"sort":[14.778937,"6885887"]},{"_index":"complaint-public-v1","_id":"2789139","_score":14.494743,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The report lists Convergys as my current employer but I currently work for XXXX and a clinical research company name XXXX. Please update the information on my credit report.","date_sent_to_company":"2018-01-20T22:34:21.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"27704","tags":null,"has_narrative":true,"complaint_id":"2789139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Convergys","date_received":"2018-01-20T22:08:49.000Z","state":"NC","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["The report lists Convergys as my current employer but I currently work for XXXX and a <em>clinical</em> research company name XXXX. Please update the information on my credit report."]},"sort":[14.494743,"2789139"]},{"_index":"complaint-public-v1","_id":"5164530","_score":14.129372,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The Chase branch in XXXX XXXX, NC ( XXXX XXXX ) would not accept a cash advance from a legitimate card that collects wages for me from clinical trial participation when I presented it along with my ID.","date_sent_to_company":"2022-01-29T19:16:27.000Z","issue":"Trouble using the card","sub_product":"Payroll card","zip_code":"275XX","tags":null,"has_narrative":true,"complaint_id":"5164530","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-01-29T19:07:03.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem using the card to withdraw money from an ATM"},"highlight":{"complaint_what_happened":["The Chase branch in XXXX XXXX, NC ( XXXX XXXX ) would not accept a cash advance from a legitimate card that collects wages for me from <em>clinical</em> trial participation when I presented it along with my ID."]},"sort":[14.129372,"5164530"]},{"_index":"complaint-public-v1","_id":"1870445","_score":14.129372,"_source":{"product":"Debt collection","complaint_what_happened":"I was charged a clinical visit debt, on my daughter 's behalf, which was covered by government medical assistance. The payment was due at the time of service, thus my daughter would not have been seen if the payment was not verified on that same day.","date_sent_to_company":"2016-04-09T16:58:43.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Medical","zip_code":"21229","tags":null,"has_narrative":true,"complaint_id":"1870445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Collections Enterprise, Inc.","date_received":"2016-04-08T11:02:13.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["I was charged a <em>clinical</em> visit debt, on my daughter 's behalf, which was covered by government medical assistance. The payment was due at the time of service, thus my daughter would not have been seen if the payment was not verified on that same day."]},"sort":[14.129372,"1870445"]},{"_index":"complaint-public-v1","_id":"17347043","_score":13.666967,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am submitting this complaint regarding PatientFis handling of a medical financing account tied to XXXX XXXX XXXX XXXX. The issues reflect material failures in billing oversight, dispute resolution, and compliance with both consumer-finance standards and basic principles of safety and service verification. \n\nXXXX XXXX repeatedly canceled and rescheduled treatments for months, preventing services from being delivered within the clinically required 46 week interval for efficacy. Despite clear service disruption, PatientFi continued to disburse monthly payments to the merchant without verifying treatment completion or clinical validity. This represents a breakdown in due diligence and internal controls. \n\nDuring my dispute call with PatientFi, the representative acknowledged the service failure, confirmed the merchants inconsistent delivery, and stated that PatientFi could initiate a review and pull back funds. The call disconnected abruptly during this explanation. When I called back, a different representative contradicted the initial findings and stated there was nothing we can do. This inconsistency reflects deficiencies in documentation, continuity, escalation pathways, and dispute-handling protocols. \n\nAs a financing entity for medical procedures, PatientFi has an obligation to ensure accurate billing, appropriate merchant performance verification, and compliant dispute processing aligned with the Consumer Financial Protection Act. These obligations were not met. \n\n\nI also hold a recorded call in which XXXX representative acknowledges service irregularities and discusses reversing charges. This documentation is available upon request. \n\n\nI am requesting : 1. Immediate suspension of billing during review 2. Full audit of payments disbursed for undelivered or clinically invalidated services 3. Reversal of improper charges 4. Written clarification of PatientFis dispute-handling and merchant verification protocols 5. Corrections of any negative credit reporting associated with this account, including removal of delinquency marks or adverse entries caused by PatientFi 's improper billing practices.","date_sent_to_company":"2025-11-19T20:46:31.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"72712","tags":"Servicemember","has_narrative":true,"complaint_id":"17347043","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2025-11-19T20:25:14.000Z","state":"AR","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX repeatedly canceled and rescheduled treatments for months, preventing services from being delivered within the <em>clinically</em> required 46 week interval for efficacy. Despite clear service disruption, PatientFi continued to disburse monthly payments to the merchant without verifying treatment completion or <em>clinical</em> validity. This represents a breakdown in due diligence and internal controls."]},"sort":[13.666967,"17347043"]},{"_index":"complaint-public-v1","_id":"2330678","_score":13.642569,"_source":{"product":"Student loan","complaint_what_happened":"First college I attended was a scam like reported in news and media. Poor teaching, poor education, and poor internship. The was no high paying job as a clinical medical assistant as promised. Prospective jobs did not recognize the college. XXXX college credits did not transfer from this college they are worthless credits. XXXX closed down.","date_sent_to_company":"2017-02-06T19:39:01.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"75062","tags":null,"has_narrative":true,"complaint_id":"2330678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2017-02-06T19:39:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Don't agree with fees charged"},"highlight":{"complaint_what_happened":["The was no high paying job as a <em>clinical</em> medical assistant as promised. Prospective jobs did not recognize the college. XXXX college credits did not transfer from this college they are worthless credits. XXXX closed down."]},"sort":[13.642569,"2330678"]},{"_index":"complaint-public-v1","_id":"3469404","_score":13.038059,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX Advanced Collection Bureau XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Double billing : This happens when the same bill is submitted multiple times when the procedure was performed only once. ( for my case, I've never seen a doctor, it was a 15-minute chat with a clinical nurse. ) I, XXXX XXXX, XXXX the problem in a clarity of speech as result of the documented XX/XX/11 XXXX post-disaster health problem. I have been sent by XXXX  ( XXXX XXXX XXXX ) to XXXX XXXX XXXX for a yearly check up. Never see a doctor, it was a 15-minute chat with a clinical nurse only. The visit was paid by XXXX ( XXXX XXXX XXXX ). Since then the XXXX XXXX XXXX and Advanced Collection Bureau keep harasting me for a years. They trying to get another {$300.00} for already paid visit ( which was actually not a doctor visit ). The agent of Advanced Collection Bureau refused to work with me without me giving updated (??? ) info to resolve issue of Fraudulent Charge. They sent a negative information to the XXXX   Credit Bureau and spoiled my FICO.","date_sent_to_company":"2019-12-18T13:09:20.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"32901","tags":"Older American","has_narrative":true,"complaint_id":"3469404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advanced Collection Bureau, Inc.","date_received":"2019-12-16T16:28:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX Advanced Collection Bureau XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Double billing : This happens when the same bill is submitted multiple times when the procedure was performed only once. ( for my case, I've never seen a doctor, it was a 15-minute chat with a <em>clinical</em> nurse. ) I, XXXX XXXX, XXXX the problem in a clarity of speech as result of the documented XX/XX/11 XXXX post-disaster health problem."]},"sort":[13.038059,"3469404"]},{"_index":"complaint-public-v1","_id":"20978881","_score":12.71574,"_source":{"product":"Credit card","complaint_what_happened":"\" I am a XXXX XXXX  XXXX  with a pending XXXX mortgage. On XX/XX/XXXX at XXXX XXXX, I visited XXXX XXXX XXXX for pain. I was never examined by a licensed dentist. Instead, a non-clinical salesperson pressured me into a {$9800.00} XXXX credit line and immediately charged {$9700.00} for services never rendereda violation of the XXXX  Dental Practice Act. \nI returned 19 hours later, on XX/XX/XXXX at XXXXXXXX XXXX, to cancel. No laboratory work was possible in this window. Per CA BPC 654.3, the merchant must refund the lender within 15 business days. It has been over 30 days, and XXXX is refusing to resolve this, claiming a '90-day window ' while reporting this fraudulent debt as 98 % utilization, damaging my credit. I have officially filed a State Fraud Investigation with the Dental Board of XXXX ( XXXX XXXX XXXX ) I was never examined by a dentist. Instead, I was subjected to predatory 'upselling ' by a non-clinical salesperson who focused solely on maximizing my {$10000.00} XXXX credit limit rather than addressing my dental pain. This individual exploited my physical vulnerability to secure a {$9800.00} transaction for a treatment plan that was never medically diagnosed by a doctor. This is a direct violation of the XXXX  Dental Practice Act and federal consumer protection standards regarding predatory lending.","date_sent_to_company":"2026-04-06T17:25:07.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"90260","tags":null,"has_narrative":true,"complaint_id":"20978881","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2026-04-06T16:51:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Instead, a non-<em>clinical</em> salesperson pressured me into a {$9800.00} XXXX credit line and immediately charged {$9700.00} for services never rendereda violation of the XXXX  Dental Practice Act. \nI returned 19 hours later, on XX/XX/XXXX at XXXXXXXX XXXX, to cancel. No laboratory work was possible in this window. Per CA BPC 654.3, the merchant must refund the lender within 15 business days."]},"sort":[12.71574,"20978881"]},{"_index":"complaint-public-v1","_id":"20790140","_score":12.714342,"_source":{"product":"Debt collection","complaint_what_happened":"First and foremost, Medicredit did NOT send me a notice of debt. Over the phone, they claimed they sent me a notice of debt on XX/XX/XXXX. Keep in mind, this date was XXXX, so I have a hard time believing they actually sent a letter on a federal holiday. \n\nOn XX/XX/XXXX, I sent a letter to notify Medicredit that the balance they were attempting to collect was currently under active dispute with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX. I had sent a letter to XXXX XXXX disputing the accuracy of an XXXX XXXX XXXX XXXX charge that did not reflect the services provided. I requested a coding review and supporting clinical documentation directly from the hospital billing department. \n\nThe hospital refused to answer my letter and instead, sent communication through Medicredit, saying everything was accurate with NO coding review or supporting clinical documentation. \n\nOn XX/XX/XXXX, I sent another letter to Medicredit, informing them I am still disputing the charge billed under medical code XXXX XXXX XXXX XXXX XXXX XXXX  ). For the XXXX time, I informed them this charge is inaccurate and does not reflect the services provided. I was not evaluated or treated by an emergency room physician. I was immediately redirected from the emergency room lobby to another hospital unit. My interaction with the XXXX XXXX  was limited to XXXXn, which does not constitute a XXXX XXXX XXXX XXXX evaluation . Consequently, the use of XXXX XXXX XXXX is medically and administratively unsupported. XXXX XXXX upcoded my bill. \n\nI, once again, requested a formal coding review and written explanation of the clinical documentation supporting this XXXX XXXX XXXX XXXX  charge, including : the XXXX and revenue codes used ; the provider notes supporting XXXX XXXX services ; documentation showing XXXXXXXX XXXX  physician involvement ; justification for billing XXXX XXXX XXXX XXXX services. \n\nMedicredit responded with a VERY generic statement from the hospital, saying everything on the bill was correct ( with absolutely no clinical documentation supporting this charge ). \n\nOn XX/XX/XXXX, I sent ANOTHER letter to Medicredit, informing them of the hospitals vague response, and repeated my requests I had sent in my XX/XX/XXXX letter. \n\nThey never responded to the letter I sent on XX/XX/XXXX. \n\nOn XX/XX/XXXX, I sent XXXX letter to Medicredit, stating it was a Final Notice regarding their continued failure to provide legally sufficient validation for the debt referenced above. I demanded they : stop all attempts to collect on this debt, as it remains unverified and disputed ; close this file in their office and return it to the original creditor as \" unverifiable ; ensure this disputed, unverified debt is not reported to any credit bureaus. I told them that failure to provide written confirmation that this account has been closed within XXXX  days of receipt of this letter will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office for violations of the FDCPA. \n\nI have all of my letters, certified mail receipts, and documentation that can support my case. I would like the CFPBs support in dealing with this matter, as Medicredit is ignoring my demands for a formal coding review and true verification that I was coded correctly.","date_sent_to_company":"2026-03-30T22:54:20.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"78748","tags":null,"has_narrative":true,"complaint_id":"20790140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Outsource Group, Inc","date_received":"2026-03-30T22:17:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I requested a coding review and supporting <em>clinical</em> documentation directly from the hospital billing department. \n\nThe hospital refused to answer my letter and instead, sent communication through Medicredit, saying everything was accurate with NO coding review or supporting <em>clinical</em> documentation. \n\nOn XX/XX/XXXX, I sent another letter to Medicredit, informing them I am still disputing the charge billed under medical code XXXX XXXX XXXX XXXX XXXX XXXX  )."]},"sort":[12.714342,"20790140"]},{"_index":"complaint-public-v1","_id":"20067954","_score":12.488943,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I was targeted by a professional social engineer who exploited my documented XXXX ( XXXX and XXXX XXXX ) to induce a severe clinical manic episode. During this state of incapacity, I was induced to transfer approximately {$11000.00} via Navy Federal Credit Union, XXXX, and XXXX XXXX XXXX the Base network ) into a 'Honeypot ' fraudulent contract (XX/XX/XXXX \n\nInstitutional Negligence ( Navy Federal ) : I exhibited frantic, atypical behavioral patterns, specifically calling repeatedly to override high-risk security limits. Despite being a member with a XXXX, the bank failed to trigger 'Vulnerable Customer ' protocols or a mental health hold, allowing the removal of funds during a medical crisis. \nFacilitation of Malicious Assets ( Exchanges ) : Coinbase/Base facilitated the trade for the XX/XX/XXXX token despite its own third-party auditor ( Blockaid ) flagging the contract as 'Malicious. ' The institutions provided the fiat-to-crypto infrastructure for a known fraudulent asset, breaching their Duty of Care and Consumer Protection obligations.\n\nLack of Capacity to Consent : I am formally reporting this as Financial Exploitation and Inducement of a Vulnerable Adult. I lacked the legal capacity to provide informed consent due to my clinical state. My 'authorization ' was coached by a criminal actor and was a direct result of my XXXX being weaponized.","date_sent_to_company":"2026-03-07T18:08:10.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"381XX","tags":null,"has_narrative":true,"complaint_id":"20067954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-03-07T17:32:28.000Z","state":"TN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/year>, I was targeted by a professional social engineer who exploited my documented XXXX ( XXXX and XXXX XXXX ) to induce a severe <em>clinical</em> manic episode."]},"sort":[12.488943,"20067954"]},{"_index":"complaint-public-v1","_id":"1357811","_score":12.457388,"_source":{"product":"Student loan","complaint_what_happened":"I 'm a former student at XXXX institution in florida. The actual location of the building was XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was a XXXX XXXX student and I was one of many students that were in the program as the school was getting ready to be sold. At first they told us that it would not affect the students and we would be able to finish with total help for job searching, but as the the classes went on the school was finally sold and yet the same instructions was instructed meaning we were able to finish. Toward the few months of the program the school kept changing the schedule and started to rush teachers on finishing their program. The school laid off a bunch of employees one by one even one of our own teacher in the program. Soon close to finishing class there were only XXXX financial officer which was n't the one that help me during the beginning with my student loans and financial aid, but she kept on telling me that I owed money to the school and that I was n't able to graduate until I got it settled. I had recalled telling her that I had taken cared all my financial situation before I went to clinicals. Which needed to be done in order to go into hospital to follow clinical rotation. But she kept insisting and said that she ask for a loan and she 'll send a letter requesting it but she never followed up when I try to reach her and eventually she was laid off before we got it settled. The school had handed me the diploma but i felt like they were just rushing the students to get finished and that they did n't care for us at the end. I did n't even received help from the career services that was required in the program. Come to find out that the teachers that were teaching at the school had gotten jobs at the hospital where we had attended clinicals. So instead of the students who paid and took out \" loans '' for school, never had a chance of getting a job that they were promised in the beginning of the program. I feel like I wasted a year and $ 20,000+ for no reason and I feel like these loans from these private place like Genesis and others, should be discharged because of the false advertising and promise that XXXX College made but decided to take our money and up and leave the students to look for a job on there own after being rushed out. Yes, we got diploma but we need help with Interviews and Job searching which were all included and promise but never fulfilled by the school that closed on us.","date_sent_to_company":"2015-05-02T07:51:26.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"33178","tags":null,"has_narrative":true,"complaint_id":"1357811","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Genesis Lending","date_received":"2015-05-02T07:51:25.000Z","state":"FL","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Don't agree with fees charged"},"highlight":{"complaint_what_happened":["I had recalled telling her that I had taken cared all my financial situation before I went to <em>clinicals</em>. Which needed to be done in order to go into hospital to follow <em>clinical</em> rotation. But she kept insisting and said that she ask for a loan and she 'll send a letter requesting it but she never followed up when I try to reach her and eventually she was laid off before we got it settled."]},"sort":[12.457388,"1357811"]},{"_index":"complaint-public-v1","_id":"15527249","_score":12.328753,"_source":{"product":"Debt collection","complaint_what_happened":"This is the first time Ive seen any information regarding this debt. I have no knowledge of the clinical service mentioned, nor do I recognize the provider. The document I received does not contain enough information to help me understand what this debt is for, and I am unable to verify its validity. \n\nI have attempted to contact your office by phone but have been unable to reach a live representative. At this time, I am formally disputing this debt as I do not believe it is mine and have not received sufficient documentation to support the claim.","date_sent_to_company":"2025-08-26T21:16:34.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"37167","tags":null,"has_narrative":true,"complaint_id":"15527249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Summit A*R, Inc.","date_received":"2025-08-26T21:02:42.000Z","state":"TN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I have no knowledge of the <em>clinical</em> service mentioned, nor do I recognize the provider. The document I received does not contain enough information to help me understand what this debt is for, and I am unable to verify its validity. \n\nI have attempted to contact your office by phone but have been unable to reach a live representative. At this time, I am formally disputing this debt as I do not believe it is mine and have not received sufficient documentation to support the claim."]},"sort":[12.328753,"15527249"]},{"_index":"complaint-public-v1","_id":"10287390","_score":12.287267,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I WAS PREVIOUSLY EMPLOYED BY XXXX XXXX XXXX FROM XXXX UNTIL XXXX AS A XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNTIL XXXX AS AN XXXX XXXXXXXX FELLOW, XXXX XXXX AS A CLINICAL XXXX FELLOW FROM XXXX UNTIL XXXX, XXXX XXXX XXXX XXXX XXXX AS A XXXX FELLOW FROM XXXX UNTIL XXXX, AND XXXX AS A XXXX XXXX FROM XXXX UNTIL XXXX. I HAVE BEEN EMPLOYED WITH THE U.S. DEPARTMENT XXXX XXXX XXXX AS A XXXX SINCE XXXX UNTIL PRESENT. My credit report was inaccurate.","date_sent_to_company":"2024-09-28T03:22:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33463","tags":"Servicemember","has_narrative":true,"complaint_id":"10287390","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-28T03:22:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I WAS PREVIOUSLY EMPLOYED BY XXXX XXXX XXXX FROM XXXX UNTIL XXXX AS A XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNTIL XXXX AS AN XXXX XXXXXXXX FELLOW, XXXX XXXX AS A <em>CLINICAL</em> XXXX FELLOW FROM XXXX UNTIL XXXX, XXXX XXXX XXXX XXXX XXXX AS A XXXX FELLOW FROM XXXX UNTIL XXXX, AND XXXX AS A XXXX XXXX FROM XXXX UNTIL XXXX. I HAVE BEEN EMPLOYED WITH THE U.S. DEPARTMENT XXXX XXXX XXXX AS A XXXX SINCE XXXX UNTIL PRESENT. My credit report was inaccurate."]},"sort":[12.287267,"10287390"]},{"_index":"complaint-public-v1","_id":"15004299","_score":12.235964,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Within a few days, I began experiencing discomfort and noticed an issue with the filling. On XX/XX/year>, I returned and informed the office that the filling on my left side has a hole. During the follow-up, the second provider confirmed a fractured restoration on XXXX XXXX XXXX XXXX XXXX XXXX  I was never informed of the fracture at the time. \n\nHowever, due to ongoing pain and sensitivity, I later sought a second opinion. After a comprehensive evaluation by XXXX XXXX, I was informed that the same tooth ( # XXXX ) now requires a root canal due to a fracture likely caused during or after the initial filling. This was confirmed in their treatment plan and supported by radiographs and records, which I obtained after submitting formal requests. \n\nCherry Technologies ( the third-party financing company ) is still attempting to collect full payment despite services not being properly rendered and the damage caused. I disputed the charges with Cherry and provided documentation, but they ruled in favor of the provider without fully acknowledging the clinical failure or the need for additional care now costing me nearly {$3000.00}. \n\nAdditionally, I discovered through my insurance provider that XXXX XXXX may have underbilled my insurance and improperly overcharged me, which appears to be a recurring pattern. I have included documentation from my provider notes, radiographs, clinical summaries, and dispute correspondence. \n\nI am requesting that Cherry Technologies halt collections and close the balance, and that the CFPB investigate this matter further.","date_sent_to_company":"2025-07-31T13:44:49.000Z","issue":"Unexpected or other fees","sub_product":"Mobile or digital wallet","zip_code":"31907","tags":null,"has_narrative":true,"complaint_id":"15004299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHERRY TECHNOLOGIES INC.","date_received":"2025-07-31T13:16:54.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have included documentation from my provider notes, radiographs, <em>clinical</em> summaries, and dispute correspondence. \n\nI am requesting that Cherry Technologies halt collections and close the balance, and that the CFPB investigate this matter further."]},"sort":[12.235964,"15004299"]},{"_index":"complaint-public-v1","_id":"2434094","_score":12.033198,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX dba XXXX office manager XXXX, billed to our Care Credit/Synchrony Bank Account for work that was to be done in the FAR future, not within 30 days. This work has still not been rendered, but they are STILL expecting us to pay for. XXXX told us that we were signing as ESTIMATE to lock in the prices, NOT they it gave permission to bill our Care Credit card. After this, they fired the Dentist I HIRED to do the work. I asked that ALL charges for servies not rendered to be refunded immediately, as I was going to follow XXXX to wherever he went to. XXXX REFUSED, stating work HAD been done. I asked for my file to be sent to me, XXXX never did. I filed a dispute with Care Credit. Care Credit sent me the information that XXXX sent them ; in this packet of information, was ALL of my PERSONAL information that I had asked for & XXXX refused to give me. In this was my Patient Ledger AND ALL the Clinical Notes with my personal information!!! I did NOT give XXXX nor XXXX my permission to release ANY of my personal information!! This is in DIRECT violation of HIPPA!! Once I got all this information, I compared the Patient Ledger to the Clinical Notes, figured out what was ACTUALLY done & then paid accordingly. Care Credit & XXXX REFUSED to take the bogus charges off the account. I ca n't get any more dental work done until the charges are removed. I XXXX. This is causing MANY issues with my health & well being & my relationship with my husband. I HAVE PROOF THAT THE WORK THEY ARE BILLING FOR HAS NOT BEEN DONE!!! I REFUSE TO PAY FOR WORK THAT HAS NOT BEEN DONE!!!","date_sent_to_company":"2017-04-14T14:03:31.000Z","issue":"False statements or representation","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"851XX","tags":"Older American","has_narrative":true,"complaint_id":"2434094","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-04-13T19:13:47.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["In this was my Patient Ledger AND ALL the <em>Clinical</em> Notes with my personal information!!! I did NOT give XXXX nor XXXX my permission to release ANY of my personal information!! This is in DIRECT violation of HIPPA!! Once I got all this information, I compared the Patient Ledger to the <em>Clinical</em> Notes, figured out what was ACTUALLY done & then paid accordingly. Care Credit & XXXX REFUSED to take the bogus charges off the account."]},"sort":[12.033198,"2434094"]},{"_index":"complaint-public-v1","_id":"12953275","_score":11.90451,"_source":{"product":"Prepaid card","complaint_what_happened":"Someone hacked my card and charged like XXXX times online and then they locked my card rightfully so. I filed a dispute for the amounts in question and they said they would email me. I signed the documents right away and that was that. I called and asked about them refunding me and they said it can take XXXX  months. I find that unacceptable. I got the card for a clinical trial payment and would like to use the funds I worked for. They dont have good business practices and are rude and dodgy but more technically they are not information forward. My dispute case number is XXXX.","date_sent_to_company":"2025-04-13T01:38:38.000Z","issue":"Problem with a purchase or transfer","sub_product":"Gift card","zip_code":"030XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12953275","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Incomm Holdings Inc.","date_received":"2025-04-13T01:27:30.000Z","state":"NH","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["I got the card for a <em>clinical</em> trial payment and would like to use the funds I worked for. They dont have good business practices and are rude and dodgy but more technically they are not information forward. My dispute case number is XXXX."]},"sort":[11.90451,"12953275"]},{"_index":"complaint-public-v1","_id":"2397072","_score":11.835199,"_source":{"product":"Debt collection","complaint_what_happened":"I received a letter from TRANSWORLD SYSTEMS INC. trying to collect for XXXX. I was in a clinical trial at XXXX, which caused me to be XXXX. XXXX assured us we would not receive any bills. When logging onto TRANSWORLD SYSTEMS INC., after going through the registration process, it states that they no longer service in the state of California, and they provide an \" XXXX '' number. I find this discriminatory towards deaf people since I ca n't call. I also find the process of disputing the complaint convoluted., since it refers you to the FTC website, which refers you to this Consumers Finance website.","date_sent_to_company":"2017-03-21T18:40:17.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Medical","zip_code":"93010","tags":null,"has_narrative":true,"complaint_id":"2397072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2017-03-21T18:40:16.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I was in a <em>clinical</em> trial at XXXX, which caused me to be XXXX. XXXX assured us we would not receive any bills. When logging onto TRANSWORLD SYSTEMS INC., after going through the registration process, it states that they no longer service in the state of California, and they provide an \" XXXX '' number. I find this discriminatory towards deaf people since I ca n't call."]},"sort":[11.835199,"2397072"]},{"_index":"complaint-public-v1","_id":"13100199","_score":11.835199,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint against a debt collector, XXXX XXXX XXXX, for misreporting a medical debt on my credit report. The debt in question originates from a clinical/medical visit but is being reported as a retail collection, which is inaccurate and misleading. \n\nAccording to CFPB and industry guidance : Medical debts under {$500.00} should not be reported. \nPaid medical debts should be removed from credit reports. \nFurnishers must report medical debts as medical, not retail or other categories. \n\nThis misclassification is harming my credit profile and may violate the Fair Credit Reporting Act. I am requesting an investigation and that this item be removed or corrected immediately.","date_sent_to_company":"2025-04-21T22:59:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"60620","tags":null,"has_narrative":true,"complaint_id":"13100199","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Medical-Commercial Audit Inc","date_received":"2025-04-21T22:42:48.000Z","state":"IL","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The debt in question originates from a <em>clinical</em>/medical visit but is being reported as a retail collection, which is inaccurate and misleading. \n\nAccording to CFPB and industry guidance : Medical debts under {$500.00} should not be reported. \nPaid medical debts should be removed from credit reports. \nFurnishers must report medical debts as medical, not retail or other categories. \n\nThis misclassification is harming my credit profile and may violate the Fair Credit Reporting Act."]},"sort":[11.835199,"13100199"]},{"_index":"complaint-public-v1","_id":"4419283","_score":11.745826,"_source":{"product":"Debt collection","complaint_what_happened":"I Have made multiple attempts to have this account taken off my report their is a Breach JJ Marshall sent me a letter that violated Hippa Law The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. You may be held liable for your actions Please note that the these liabilities are under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX XXXX XXXX XXXX XXXX as issued XX/XX/XXXX","date_sent_to_company":"2021-05-31T21:03:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"48221","tags":null,"has_narrative":true,"complaint_id":"4419283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"J J Marshall & Associates, Inc","date_received":"2021-05-31T20:54:24.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["You may be held liable for your actions Please note that the these liabilities are under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and <em>Clinical</em> Health Act of XXXX XXXX XXXX XXXX XXXX as issued XX/XX/XXXX"]},"sort":[11.745826,"4419283"]},{"_index":"complaint-public-v1","_id":"6618013","_score":11.49941,"_source":{"product":"Debt collection","complaint_what_happened":"Common Wealth Financial Services is reporting to XXXX, XXXX XXXX XXXX that I owe a \" Medical Debt '' to them for {$1300.00}. I have not signed any contracts with Common Wealth Financial Services. Nevertheless, Common Wealth Financial Services should not be in receipt of my medical information. This is a violation of my XXXX & subtitle D of the XXXX, SEC. XXXX. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX.","date_sent_to_company":"2023-02-26T18:36:17.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"70119","tags":null,"has_narrative":true,"complaint_id":"6618013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Commonwealth Financial Systems, Inc.","date_received":"2023-02-26T17:51:58.000Z","state":"LA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and <em>Clinical</em> Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX."]},"sort":[11.49941,"6618013"]},{"_index":"complaint-public-v1","_id":"6618006","_score":11.456491,"_source":{"product":"Debt collection","complaint_what_happened":"Sequium Asset Solution is reporting to XXXX, XXXX XXXX XXXX that I owe a \" Medical Debt '' to them for {$1600.00}. I have not signed any contracts with Sequium Asset Solution. Nevertheless, Sequium Asset Solution should not be in receipt of my medical information. This is a violation of my XXXX rights & subtitle D of the XXXX, SEC. XXXX. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX.","date_sent_to_company":"2023-02-26T18:43:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"70119","tags":null,"has_narrative":true,"complaint_id":"6618006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sequium Asset Solutions, LLC","date_received":"2023-02-26T18:37:54.000Z","state":"LA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and <em>Clinical</em> Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX."]},"sort":[11.456491,"6618006"]},{"_index":"complaint-public-v1","_id":"2401182","_score":11.440818,"_source":{"product":"Debt collection","complaint_what_happened":"Carter Young is attempting to collect a debt in the amount of XXXX. Carter Young violated the privacy act HIPAA buy disclosing my personal clinical information regarding diagnosis codes and medical history from their client XXXX XXXX. This information was uploaded to this site CFPB and also mailed to me revealing my medical records which Carter Young is a third party collection company who should have not had access to this information and should have contacted their compliance officer to return back to their client. I plan to seek a suite against this company for disclosing my personal medical information and breaking the HIPAA privacy act. Also, I have this claim in current dispute with XXXX XXXX as I do not owe anything.","date_sent_to_company":"2017-03-23T15:54:15.000Z","issue":"Improper contact or sharing of info","sub_product":"Medical","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"2401182","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Carter-Young, Inc.","date_received":"2017-03-23T15:54:14.000Z","state":"GA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Talked to a third party about my debt"},"highlight":{"complaint_what_happened":["Carter Young violated the privacy act HIPAA buy disclosing my personal <em>clinical</em> information regarding diagnosis codes and medical history from their client XXXX XXXX. This information was uploaded to this site CFPB and also mailed to me revealing my medical records which Carter Young is a third party collection company who should have not had access to this information and should have contacted their compliance officer to return back to their client."]},"sort":[11.440818,"2401182"]},{"_index":"complaint-public-v1","_id":"9502516","_score":11.377413,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I called Equifax to inquire about and potentially dispute ( if needed ) the addition of a new collection This collection is medical in nature ( imaging that took place at a hospital, done for a XXXX XXXX  ). My XXXX XXXX XXXX failed to pay the bill for the imaging ( despite it being in my clinical trial paperwork and signed contract ) and it ended up being in collections. The sum is less than {$500.00} and is definitely medical, and from what I understand, anything with these characteristics should be able to be removed from the credit bureaus. I instead was told by a customer service representative however that even if paid, that will remain on my credit. This is counter to what I have read and understand to be true, which is that this collection should be removed entirely.","date_sent_to_company":"2024-07-12T22:27:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06511","tags":null,"has_narrative":true,"complaint_id":"9502516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-12T22:17:10.000Z","state":"CT","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["My XXXX XXXX XXXX failed to pay the bill for the imaging ( despite it being in my <em>clinical</em> trial paperwork and signed contract ) and it ended up being in collections. The sum is less than {$500.00} and is definitely medical, and from what I understand, anything with these characteristics should be able to be removed from the credit bureaus. I instead was told by a customer service representative however that even if paid, that will remain on my credit."]},"sort":[11.377413,"9502516"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":316,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":316}]}},"product":{"doc_count":316,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":117,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Medical debt","doc_count":88},{"key":"I do not know","doc_count":12},{"key":"Medical","doc_count":5},{"key":"Other debt","doc_count":4},{"key":"Credit card debt","doc_count":2},{"key":"Private student loan debt","doc_count":2},{"key":"Auto debt","doc_count":1},{"key":"Other (i.e. phone, health club, etc.)","doc_count":1},{"key":"Rental debt","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":54,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":53},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":39,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":39}]}},{"key":"Student loan","doc_count":30,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":14},{"key":"Private student loan","doc_count":14},{"key":"Non-federal student loan","doc_count":2}]}},{"key":"Checking or savings account","doc_count":22,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":18},{"key":"Other banking product or service","doc_count":4}]}},{"key":"Credit card","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":10},{"key":"Store credit card","doc_count":5}]}},{"key":"Mortgage","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":5},{"key":"Conventional fixed mortgage","doc_count":2},{"key":"FHA mortgage","doc_count":2},{"key":"Other type of mortgage","doc_count":2},{"key":"Reverse mortgage","doc_count":2},{"key":"VA mortgage","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":4},{"key":"Domestic (US) money transfer","doc_count":2},{"key":"Virtual currency","doc_count":2}]}},{"key":"Credit card or prepaid card","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":4},{"key":"Payroll card","doc_count":2},{"key":"Government benefit card","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":2},{"key":"Other advances of future income","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":2},{"key":"Lease","doc_count":1}]}},{"key":"Prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Gift card","doc_count":1},{"key":"Payroll card","doc_count":1}]}},{"key":"Credit reporting","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"issue":{"doc_count":316,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempts to collect debt not owed","doc_count":59,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":44},{"key":"Debt was result of identity theft","doc_count":8},{"key":"Debt was paid","doc_count":7}]}},{"key":"Incorrect information on your report","doc_count":43,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":20},{"key":"Account status incorrect","doc_count":11},{"key":"Personal information incorrect","doc_count":3},{"key":"Public record information inaccurate","doc_count":3},{"key":"Account information incorrect","doc_count":2},{"key":"Old information reappears or never goes away","doc_count":2},{"key":"Information is incorrect","doc_count":1},{"key":"Information is missing that should be on the report","doc_count":1}]}},{"key":"Improper use of your report","doc_count":33,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":33}]}},{"key":"Written notification about debt","doc_count":31,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":19},{"key":"Didn't receive notice of right to dispute","doc_count":11},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your 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