{"took":122,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2129,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1876621","_score":15.914859,"_source":{"product":"Debt collection","complaint_what_happened":"Please see attached narrative regarding complaint. Collection agency took illegal steps and filed a XXXX against me with the XXXX. ( Narrative and complaint filed by XXXX advocate on behalf of the individual named herein. )","date_sent_to_company":"2016-04-12T20:26:05.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"I do not know","zip_code":"11735","tags":"Servicemember","has_narrative":true,"complaint_id":"1876621","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Pinnacle Credit Services, LLC","date_received":"2016-04-12T20:26:05.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["Please see attached <em>narrative</em> regarding <em>complaint</em>. Collection agency took illegal steps and filed a XXXX against me with the XXXX. ( <em>Narrative</em> and <em>complaint</em> filed by XXXX advocate on behalf of the individual named herein. )"]},"sort":[15.914859,"1876621"]},{"_index":"complaint-public-v1","_id":"1797141","_score":14.223176,"_source":{"product":"Mortgage","complaint_what_happened":"Please see the attached detailed narrative in RESPA complaint filed with the mortgage servicer","date_sent_to_company":"2016-02-22T16:58:53.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Home equity loan or line of credit","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"1797141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2016-02-22T16:58:52.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Please see the attached detailed <em>narrative</em> in RESPA <em>complaint</em> filed with the mortgage servicer"]},"sort":[14.223176,"1797141"]},{"_index":"complaint-public-v1","_id":"1443027","_score":14.206078,"_source":{"product":"Credit card","complaint_what_happened":"Please see the attached narrative complaint and exhibits. This complaint is about unearned fees, unearned interest, and credit reporting all after the consumer canceled the card.","date_sent_to_company":"2015-06-29T19:09:12.000Z","issue":"Closing/Cancelling account","sub_product":null,"zip_code":"92106","tags":"Older American","has_narrative":true,"complaint_id":"1443027","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2015-06-29T19:09:12.000Z","state":"CA","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Please see the attached <em>narrative</em> <em>complaint</em> and exhibits. This <em>complaint</em> is about unearned fees, unearned interest, and credit reporting all after the consumer canceled the card."]},"sort":[14.206078,"1443027"]},{"_index":"complaint-public-v1","_id":"4920832","_score":14.189056,"_source":{"product":"Checking or savings account","complaint_what_happened":"***Secondary Complaint to XXXX, after closing primary Complaint** Please see response to XXXX for additional issue not resolved in previous complaint. Please add that narrative here for resolution to the company.","date_sent_to_company":"2021-11-17T18:41:27.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78634","tags":null,"has_narrative":true,"complaint_id":"4920832","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AXOS FINANCIAL, INC.","date_received":"2021-11-17T18:34:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["***Secondary <em>Complaint</em> to XXXX, after closing primary <em>Complaint</em>** Please see response to XXXX for additional issue not resolved in previous <em>complaint</em>. Please add that <em>narrative</em> here for resolution to the company."]},"sort":[14.189056,"4920832"]},{"_index":"complaint-public-v1","_id":"4965474","_score":14.186112,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had a late payment on my XXXX XXXX credit card in XX/XX/2018 and i called and explained my problem to XXXX XXXX from XXXX XXXX  on XX/XX/XXXX at XXXXXXXX XXXX  and i was promised to remove late payment from all 3 credit bureau around XX/XX/XXXX. I pulled my credit and it was not updated so i disputed information and it came back as verified and information stays and correct. I called bank and asked for rep who helped me on XX/XX/XXXX and was told i they have no way to connect me to him. I filed a complaint with XXXX XXXX XXXX and person who handled my complaint wrote in response '' information stays and i was told in a letter dated XX/XX/XXXX '' which i never received in mail email or document section on my online account. letter a copy of that letter was mailed to me with a statement saying \" I was told its not guaranteed to remove the negative information which i don't remember and additional narrative will be added to my credit file and will be seen by credit granters and if i wish to remove the narrative i write to them requesting and they will remove narrative and late payment stays. i rejected offer from XXXX XXXX to XXXX and i responded by saying i never heard of the XX/XX/XXXX letter till today and banks nationwide was closed as it was not only sunday but also our XXXX XXXX  and no way this letter can be written on that day and i suspect it was created and in retaliation and based of this fake latter you put additional narrative on my credit file so i cant get credit. Some other rep try to assist my XXXX complaint this time and she came to a decision that late payments stays and additional narrative was placed on my credit file as retaliation and given a statement as '' XXXX of XXXX fall on sunday we celebrated XXXX XXXX on XXXX of XXXX and not XXXX of XXXX so information is correct. ''","date_sent_to_company":"2021-12-02T07:31:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"756XX","tags":null,"has_narrative":true,"complaint_id":"4965474","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-12-02T02:31:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I filed a <em>complaint</em> with XXXX XXXX XXXX and person who handled my <em>complaint</em> wrote in response '' information stays and i was told in a letter dated XX/XX/XXXX '' which i never received in mail email or document section on my online account. letter a copy of that letter was mailed to me with a statement saying \" I was told its not guaranteed to remove the negative information which i don't remember and additional <em>narrative</em> will be added to my credit file and will be seen by credit granters and if"]},"sort":[14.186112,"4965474"]},{"_index":"complaint-public-v1","_id":"4965436","_score":14.186112,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had a late payment on my wells fargo credit card in XX/XX/2018 and i called and explained my problem to XXXX XXXX from XXXX branch on XX/XX/XXXX at XXXX pm and i was promised to remove late payment from all 3 credit bureau around XX/XX/XXXX. I pulled my credit and it was not updated so i disputed information and it came back as verified and information stays and correct. I called bank and asked for rep who helped me on XX/XX/XXXX and was told i they have no way to connect me to him. I filed a complaint with XXXX XXXX XXXX and person who handled my complaint wrote in response '' information stays and i was told in a letter dated XX/XX/XXXX '' which i never received in mail email or document section on my online account. letter a copy of that letter was mailed to me with a statement saying \" I was told its not guaranteed to remove the negative information which i don't remember and additional narrative will be added to my credit file and will be seen by credit granters and if i wish to remove the narrative i write to them requesting and they will remove narrative and late payment stays. i rejected offer from wells fargo to XXXX and i responded by saying i never heard of the XX/XX/XXXX letter till today and banks nationwide was closed as it was not only sunday but also our XXXX XXXX and no way this letter can be written on that day and i suspect it was created and in retaliation and based of this fake latter you put additional narrative on my credit file so i cant get credit. Some other rep try to assist my XXXX complaint this time and she came to a decision that late payments stays and additional narrative was placed on my credit file as retaliation and given a statement as '' XXXX of XXXX fall on sunday we celebrated XXXX XXXX on XXXX of XXXX and not XXXX of XXXX so information is correct. ''","date_sent_to_company":"2021-12-27T18:25:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"756XX","tags":null,"has_narrative":true,"complaint_id":"4965436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-12-02T01:34:43.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I filed a <em>complaint</em> with XXXX XXXX XXXX and person who handled my <em>complaint</em> wrote in response '' information stays and i was told in a letter dated XX/XX/XXXX '' which i never received in mail email or document section on my online account. letter a copy of that letter was mailed to me with a statement saying \" I was told its not guaranteed to remove the negative information which i don't remember and additional <em>narrative</em> will be added to my credit file and will be seen by credit granters and if"]},"sort":[14.186112,"4965436"]},{"_index":"complaint-public-v1","_id":"4803701","_score":13.604689,"_source":{"product":"Checking or savings account","complaint_what_happened":"I Have already filed a complaint on issue # XXXX. In that complaint CFPB ask not to send any personal info in the narrative which I understood I should not upload my social security number. I now understand I can upload that info.","date_sent_to_company":"2021-10-12T22:22:33.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"63033","tags":"Older American","has_narrative":true,"complaint_id":"4803701","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-10-12T22:07:05.000Z","state":"MO","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I Have already filed a <em>complaint</em> on issue # XXXX. In that <em>complaint</em> CFPB ask not to send any personal info in the <em>narrative</em> which I understood I should not upload my social security number. I now understand I can upload that info."]},"sort":[13.604689,"4803701"]},{"_index":"complaint-public-v1","_id":"17930707","_score":13.534351,"_source":{"product":"Mortgage","complaint_what_happened":"CFPB Complaint Narrative This narrative is submitted concerning FHA loan ending XXXX. \nShellpoint classified the loan delinquent while stating active forbearance which is dual tracking.\n\nShellpoint issued month to month forbearance instead of required three month increments.\n\nShellpoint communicated only by phone and refused written determinations. \nThe XX/XX/year> statement lists 290 days delinquent and over XXXX due which is not permitted during forbearance. \n\n\nI request CFPB intervention and correction CFPB Addendum Phone Only Communication Tactics Shellpoint relied on phone only contact to avoid creating written servicing records. \nThis resulted in undocumented forbearance changes and delinquency misclassification.","date_sent_to_company":"2025-11-26T11:12:40.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"94591","tags":null,"has_narrative":true,"complaint_id":"17930707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-11-26T10:42:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> This <em>narrative</em> is submitted concerning FHA loan ending XXXX. \nShellpoint classified the loan delinquent while stating active forbearance which is dual tracking.\n\nShellpoint issued month to month forbearance instead of required three month increments.\n\nShellpoint communicated only by phone and refused written determinations. \nThe XX/XX/year> statement lists 290 days delinquent and over XXXX due which is not permitted during forbearance."]},"sort":[13.534351,"17930707"]},{"_index":"complaint-public-v1","_id":"10352897","_score":13.034063,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a complaint regarding how an account was being reported. While my complaint was to remedy future reporting the company made it owns narrative of my complaint and provided a reason as to they would not change what they have reported up until now. I did not ask them to change what they have reported in the past ; but, they spontaneously changed the narrative for their own purposes and answered their own version of the complaint. \n\nMy complaint once again is THAT they have and intend to continue to report a closed/charged-off account as an active live account. The balance owed is intermingled with actual live accounts and skews the reported debt to available credit ratio. This is a malicious act on the part of the account holder as they are fully aware after 6 years ( because of its age ) the true effect of this account is negligible on the XXXX. If the account is reported as a live account, the enormous difference in weight on the XXXX  score ( 30 % ) is a malicious/bad faith effort by the account holder to pressure account holder into paying off the account. It is a misrepresentation of the truth for malicious reasons. I am serving them notice of this egregious action and demanding they cease and desist from future misreporting of this account, or be exposed to considerable punitive damages.","date_sent_to_company":"2024-10-03T23:51:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"296XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"10352897","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-10-03T23:22:58.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I filed a <em>complaint</em> regarding how an account was being reported. While my <em>complaint</em> was to remedy future reporting the company made it owns <em>narrative</em> of my <em>complaint</em> and provided a reason as to they would not change what they have reported up until now. I did not ask them to change what they have reported in the past ; but, they spontaneously changed the <em>narrative</em> for their own purposes and answered their own version of the <em>complaint</em>."]},"sort":[13.034063,"10352897"]},{"_index":"complaint-public-v1","_id":"12613724","_score":12.96568,"_source":{"product":"Debt collection","complaint_what_happened":"Sub-issue : Debt is not yours Consumer consent to publish narrative Consent provided Consumer complaint narrative I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.\n\nCompany information","date_sent_to_company":"2025-03-22T15:23:23.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"34772","tags":"Servicemember","has_narrative":true,"complaint_id":"12613724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shepherd Outsourcing, LLC","date_received":"2025-03-22T15:15:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Sub-issue : Debt is not yours Consumer consent to publish <em>narrative</em> Consent provided Consumer <em>complaint</em> <em>narrative</em> I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S."]},"sort":[12.96568,"12613724"]},{"_index":"complaint-public-v1","_id":"5199541","_score":12.93235,"_source":{"product":"Mortgage","complaint_what_happened":"Complaint XXXX was submitted and the response of sending to FTC is not confirmed by FTC as FTC has stated they do not have access to CFPB Complaints. So why tell consumer this can of information This Complaint know consists of new evidence that the Bank ha suggested that until some sort of settlement can be reached with Wells Fargo that the monthly privilege of direct pay be cancelled & converted to checking or another service until perhaps a Court Judgment be determined Wells Fargo continues to evade the facts that the Escrow False Narrative that they have created has no basis. \n\nThe attached letters sub titles best describes the financial scheming that Wells Fargo has created that must be reversed as there is no foundation from any Entity from Insurance, Taxes that support the substantial change in TOTAL AMOUNT DUE of {$760.00}. \n\nThus in Order to save guard the well being of the homeowners banking assets the Request to discontinue direct/ automatic withdraw as of XX/XX/XXXX must be accepted by Wells Fargo to the address of record. Withdraw without any basis can not be sustained and must stop as of the final withdraw of XX/XX/XXXX. \n\nIn review of the most recent correspondent dated XX/XX/XXXX are old talking points with no basis to include False Narrative of there being a Escrow Shortage leading to substantial increases from XX/XX/XXXX to XX/XX/XXXX to XX/XX/XXXX and then onto XX/XX/XXXX, of XXXX that has no collaboration in reality other than a financial scheme that even Legal Aid of Southern Nevada Talk to a Attorney Program typifies as a scheme that Wells Fargo has been unfairly dealing to homeowners for far to long. The Ask A Lawyer Program Attorney further stated that CFPB would be the right place to seek Redress to the False Narrative placed on this Mortgage that again and although redundant is not back by the false statement ( s ) in this XX/XX/XXXX letter in all aspects from Taxes to Insurance. \n\nThe old talking point of the is fragrantly outlined and dragged back and forth into this False Narrative in the XX/XX/XXXX letter that the Applicant failed to provide financial documentation to close on a property ( See Page 2 Paragraph 2, Line 3 & 4 ) There was no such failure and Wells Fargo has to capability of constructing events that would validate this claim of failure.\n\nThe ONUS was on Wells Fargo to close and they failed to complete that transaction and that is why the Earnest Money of {$1500.00} was lost to the Seller If not corrected by Wells Fargo with a complete reversal of this \" Action '' or the requested sale of this Mortgage then the litigation will be necessary. It should be of interest to CFPB that the Courts are not new to this litigation against Wells Fargo.","date_sent_to_company":"2022-02-08T20:42:31.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"89169","tags":"Older American","has_narrative":true,"complaint_id":"5199541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-02-08T20:05:37.000Z","state":"NV","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":["<em>Complaint</em> XXXX was submitted and the response of sending to FTC is not confirmed by FTC as FTC has stated they do not have access to CFPB <em>Complaints</em>."]},"sort":[12.93235,"5199541"]},{"_index":"complaint-public-v1","_id":"12612174","_score":12.920897,"_source":{"product":"Debt collection","complaint_what_happened":"Sub-issue : Debt is not yours Consumer consent to publish narrative Consent provided Consumer complaint narrative I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEMS , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.\n\nCompany information","date_sent_to_company":"2025-03-22T15:23:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"34772","tags":"Servicemember","has_narrative":true,"complaint_id":"12612174","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-03-22T15:22:59.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Sub-issue : Debt is not yours Consumer consent to publish <em>narrative</em> Consent provided Consumer <em>complaint</em> <em>narrative</em> I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEMS , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S."]},"sort":[12.920897,"12612174"]},{"_index":"complaint-public-v1","_id":"18394371","_score":12.918877,"_source":{"product":"Mortgage","complaint_what_happened":"Please see the attached detailed written complaint and supporting narrative. This complaint concerns Fifth Third Banks repeated failure to comply with RESPA and Regulation X, including failure to respond to RFIs and Notices of Error, improper escrow administration, lack of required insurance lapse and force-placed insurance notices, and an unsupported claim of permanent escrow disqualification based on a brief, unnotified 13-day insurance lapse.","date_sent_to_company":"2025-12-31T17:13:00.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"76179","tags":null,"has_narrative":true,"complaint_id":"18394371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-12-31T16:21:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["Please see the attached detailed written <em>complaint</em> and supporting <em>narrative</em>. This <em>complaint</em> concerns Fifth Third Banks repeated failure to comply with RESPA and Regulation X, including failure to respond to RFIs and Notices of Error, improper escrow administration, lack of required insurance lapse and force-placed insurance notices, and an unsupported claim of permanent escrow disqualification based on a brief, unnotified 13-day insurance lapse."]},"sort":[12.918877,"18394371"]},{"_index":"complaint-public-v1","_id":"1525911","_score":12.905529,"_source":{"product":"Bank account or service","complaint_what_happened":"Please see attached for entire narrative. \nI wrote a letter to the COO of the Bank but have learned that he is also acting CFO. I do n't think that I will receive a satisfactory response in a timely manner. My complaint can be published - I can rewrite this portion if requested.","date_sent_to_company":"2015-08-19T15:33:34.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"32746","tags":"Older American","has_narrative":true,"complaint_id":"1525911","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-08-19T15:33:32.000Z","state":"FL","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Please see attached for entire <em>narrative</em>. \nI wrote a letter to the COO of the Bank but have learned that he is also acting CFO. I do n't think that I will receive a satisfactory response in a timely manner. My <em>complaint</em> can be published - I can rewrite this portion if requested."]},"sort":[12.905529,"1525911"]},{"_index":"complaint-public-v1","_id":"17095472","_score":12.900256,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative CFPB COMPLAINT NARRATIVE CREDIT REPORTING XXXX XXXX XXXX I am submitting this complaint because TransUnion, Experian, and Equifax are reporting the same accounts with different late payment months and are also showing multiple mortgage related inquiries on the same days in XXXX made by related entities. I have provided each bureau with a notarized affidavit citing the Supreme Court XXXX FCRA decisions ( TransUnion LLC XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX. of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX ) ) and with copies of the XX/XX/XXXX reports. I asked them to delete or correct every item that is not uniform or can not be verified, and to standardize my personal information. I am requesting CFPB monitoring and that the bureaus be required to send me updated reports showing the deletions","date_sent_to_company":"2025-11-07T20:20:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"027XX","tags":null,"has_narrative":true,"complaint_id":"17095472","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-07T20:20:17.000Z","state":"MA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> CFPB <em>COMPLAINT</em> <em>NARRATIVE</em> CREDIT REPORTING XXXX XXXX XXXX I am submitting this <em>complaint</em> because TransUnion, Experian, and Equifax are reporting the same accounts with different late payment months and are also showing multiple mortgage related inquiries on the same days in XXXX made by related entities."]},"sort":[12.900256,"17095472"]},{"_index":"complaint-public-v1","_id":"4193863","_score":12.86365,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX XXXXXXXX XXXX  is fraudulently reporting a 20 plus year old account as if it is new. \n\nI disputed this account with XXXX XXXX  in XXXX and it is not valid. They sent it to collection in XXXX. I have had no communication with them since XXXX. In their response to my last dispute with Experian they falsely claimed that the account was current in XXXX at which point there was a late payment. Again this is a blatant lie I have had no communication with them since XXXX. In fact this item naturally expired from my Experian report in XXXX or XXXX to the best of my recollection. \n\nI have made repeated calls to Experian and they refuse to correct this. They are accepting the lie told to them by XXXXXXXX XXXX and telling me that I HAVE TO PROVIDE PROOF. As I said my last communication with XXXXXXXX XXXX was more than 25 year ago! Obviously I don't have those records any longer. \n\nAlso : In my last dispute of Experian to the CFPB ( XXXX ) Experian replied thusly : \" This complaint meets the criteria of a credit repair organization ; it either has the same email address for multiple consumers, the same naming convention or similar narrative in the attachments or it has the same and/or similar narrative as 20 plus other complaints within a 45 day period. '' Here Experian is deliberately misleading the CFPB. I am not a credit repair organization. I am XXXX XXXX XXXX, an individual consumer. I am using a single email address, XXXX. This is my personal email address. As far as their claim of a similar narrative, well that seems like an admission of guilt to me. Perhaps they should start obeying the law and ignoring similar complaints.","date_sent_to_company":"2021-03-08T19:58:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92078","tags":null,"has_narrative":true,"complaint_id":"4193863","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-03-08T19:35:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["As far as their claim of a similar <em>narrative</em>, well that seems like an admission of guilt to me. Perhaps they should start obeying the law and ignoring similar <em>complaints</em>."]},"sort":[12.86365,"4193863"]},{"_index":"complaint-public-v1","_id":"17096844","_score":12.838825,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative CFPB COMPLAINT NARRATIVE CREDIT REPORTING XXXX XXXX XXXX I am submitting this complaint because TransUnion, Experian, and Equifax are reporting the same accounts with different late payment months and are also showing multiple mortgage related inquiries on the same days in XXXX made by related entities. I have provided each bureau with a notarized affidavit citing the Supreme Court XXXX FCRA decisions ( TransUnion LLC XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX. of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX ) ) and with copies of the XX/XX/XXXX reports. I asked them to delete or correct every item that is not uniform or can not be verified, and to standardize my personal information. I am requesting CFPB monitoring and that the bureaus be required to send me updated reports showing the deletions","date_sent_to_company":"2025-11-07T20:20:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"027XX","tags":null,"has_narrative":true,"complaint_id":"17096844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-07T19:57:16.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> CFPB <em>COMPLAINT</em> <em>NARRATIVE</em> CREDIT REPORTING XXXX XXXX XXXX I am submitting this <em>complaint</em> because TransUnion, Experian, and Equifax are reporting the same accounts with different late payment months and are also showing multiple mortgage related inquiries on the same days in XXXX made by related entities."]},"sort":[12.838825,"17096844"]},{"_index":"complaint-public-v1","_id":"20704710","_score":12.479019,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Lets file cfpb complaint Perfect were filing right now.\n\nIm going to give you the full CFPB complaint package, including : the narrative the answers to every CFPB question the resolution request the evidence list the upload checklist Youll be able to copy/paste everything directly into the CFPB portal. \n\nThis is structured exactly the way regulators expect : neutral, factual, chronological, and focused on compliance failures. \n\nCFPB COMPLAINT FULL TEXT TO SUBMIT 1. What happened? ( Main Narrative ) Copy/paste this into the main narrative box : I am filing a complaint regarding GM Financials handling of my account, reinstatement process, repossession, and the chain of custody of my vehicle and personal property. There are multiple procedural failures, contradictory reinstatement information, and documentation issues that resulted in a wrongful repossession and significant harm. \n\nOn XXXX XXXX XXXX I received conflicting reinstatement quotes from GM Financial. I was provided one reinstatement amount verbally, a different amount in writing, and then told the reinstatement was no longer available. I was also told that a Cure Notice had been issued, but the dates and amounts provided were inconsistent and did not match the written notice. \n\nDespite my attempts to resolve the matter, my vehicle was repossessed. During the property release at XXXX ( the repossession agent ), there were additional contradictions. XXXX  staff stated that another financial institution was involved and that they needed signatures from them, but then refused to sign any documentation themselves. They also provided inconsistent information about the release process and the condition of my vehicle. \n\nA XXXX Police Department officer, Officer XXXX, was present during the property release. He witnessed my statements, XXXX  statements, and the condition of the vehicle and property. He also completed an incident report and recorded the interaction. \n\nI have submitted a full evidence packet to GM Financials Executive Resolution Department, including timelines, documentation, correspondence, and proof of the inconsistencies. The packet was shipped via XXXX XXXX XXXX Overnight on XX/XX/year>. \n\nI am requesting the CFPBs assistance to ensure GM Financial corrects the account, provides a written determination, and addresses the procedural failures that led to the wrongful repossession and harm.","date_sent_to_company":"2026-03-27T03:39:05.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"77479","tags":null,"has_narrative":true,"complaint_id":"20704710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2026-03-27T03:10:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Account reinstatement or redemption after repossession"},"highlight":{"complaint_what_happened":["Lets file cfpb <em>complaint</em> Perfect were filing right now.\n\nIm going to give you the full CFPB <em>complaint</em> package, including : the <em>narrative</em> the answers to every CFPB question the resolution request the evidence list the upload checklist Youll be able to copy/paste everything directly into the CFPB portal. \n\nThis is structured exactly the way regulators expect : neutral, factual, chronological, and focused on compliance failures. \n\nCFPB <em>COMPLAINT</em> FULL TEXT TO SUBMIT 1. What happened?"]},"sort":[12.479019,"20704710"]},{"_index":"complaint-public-v1","_id":"11578993","_score":12.424282,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer complaint narrative- It is understood that your credit reporting agency has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. However, According to the Fair Credit Reporting Act, 15 USC 1681 section 602 states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy.","date_sent_to_company":"2025-01-16T18:45:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94582","tags":null,"has_narrative":true,"complaint_id":"11578993","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-01-16T18:44:39.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer <em>complaint</em> <em>narrative</em>- It is understood that your credit reporting agency has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. However, According to the Fair Credit Reporting Act, 15 USC 1681 section 602 states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy."]},"sort":[12.424282,"11578993"]},{"_index":"complaint-public-v1","_id":"11564938","_score":12.424282,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer complaint narrative- It is understood that your credit reporting agency has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. However, According to the Fair Credit Reporting Act, 15 USC 1681 section 602 states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy.","date_sent_to_company":"2025-01-16T18:44:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94582","tags":null,"has_narrative":true,"complaint_id":"11564938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-16T18:13:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer <em>complaint</em> <em>narrative</em>- It is understood that your credit reporting agency has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. However, According to the Fair Credit Reporting Act, 15 USC 1681 section 602 states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy."]},"sort":[12.424282,"11564938"]},{"_index":"complaint-public-v1","_id":"3436893","_score":12.142041,"_source":{"product":"Checking or savings account","complaint_what_happened":"Please see narrative in previous complaint XXXX-XXXX. While this complaint is related to the same issue, it is not duplicative : the bank provided a response to the complaint and did not perform the actions they stated. I have attached the banks response to that complaint. The account in question is still open as of XX/XX/XXXX. The bank has failed to close this account for three months, and for two months after they formally stated they would close the account in their response to my initial complaint. If the account is not closed in a reasonable period of time, I will seek legal action. Capital One recently suffered a breach, and I do not want an open deposit account with this bank. They have refused to do what they have stated they will on multiple occasions.","date_sent_to_company":"2019-11-13T16:02:19.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"30338","tags":null,"has_narrative":true,"complaint_id":"3436893","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-11-13T15:52:40.000Z","state":"GA","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Please see <em>narrative</em> in previous <em>complaint</em> XXXX-XXXX. While this <em>complaint</em> is related to the same issue, it is not duplicative : the bank provided a response to the <em>complaint</em> and did not perform the actions they stated. I have attached the banks response to that <em>complaint</em>. The account in question is still open as of XX/XX/XXXX."]},"sort":[12.142041,"3436893"]},{"_index":"complaint-public-v1","_id":"15779917","_score":12.106127,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Incorrect information on credit report failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed information ). \n\nComplaint Narrative : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX.","date_sent_to_company":"2025-09-07T02:17:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"15779917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-07T01:56:48.000Z","state":"NV","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>Complaint</em> <em>Narrative</em> : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX."]},"sort":[12.106127,"15779917"]},{"_index":"complaint-public-v1","_id":"15779786","_score":12.106127,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Incorrect information on credit report failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed information ). \n\nComplaint Narrative : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX.","date_sent_to_company":"2025-09-07T02:17:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"15779786","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-07T02:17:35.000Z","state":"NV","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>Complaint</em> <em>Narrative</em> : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX."]},"sort":[12.106127,"15779786"]},{"_index":"complaint-public-v1","_id":"15764680","_score":12.065233,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Incorrect information on credit report failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed information ). \n\nComplaint Narrative : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX.","date_sent_to_company":"2025-09-07T02:18:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"15764680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-07T02:17:35.000Z","state":"NV","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX."]},"sort":[12.065233,"15764680"]},{"_index":"complaint-public-v1","_id":"18523730","_score":12.064867,"_source":{"product":"Credit card","complaint_what_happened":"CareCredit / Synchrony Bank Account Ending in XXXX ( Only Account Acknowledged ) XXXX. Scope and Identification of Account This escalation concerns CareCredit, a Synchrony Bank product, and only XXXX account : Account ending in XXXX. \n\nI do not acknowledge, recognize, or accept the existence of any other account number allegedly created after the closure of this account. I did not request, authorize, or consent to any new account, card, or account number, and I did not file any fraud complaint. \n\nAny reference by CareCredit or Synchrony Bank to a new account or fraud investigation is expressly disclaimed and rejected. \n\nXXXX. Nature of the Original Dispute A Valid Chargeback The underlying dispute on Account XXXX was a chargeback based on service failure and billing errors, never fraud. \n\nSpecifically : Services billed by the hospital were not rendered as represented and/or were incomplete. \n\nBilling accuracy and integrity were disputed. \n\nDocumentation was provided repeatedly. \n\nCareCredit/Synchrony responded by stating they : Can not judge quality of services, and Relied on hospital signatures and statements denying wrongdoing. \n\nA providers denial and a signed financial agreement do not constitute an investigation. \n\nRefusing to assess service failure or billing errors does not defeat a chargeback ; it avoids it. \n\nThis was, from the outset, a legitimate chargeback complaint that should have been granted or, at minimum, substantively evaluated. \n\nXXXX. Procedural Mishandling Mirrors the Substantive Failure The same defects appear repeatedly : Recycling the same denial language Ignoring evidence already on file Requesting documents already submitted Issuing conclusory denials without engagement This mirrors how CareCredit/Synchrony later responded to multiple CFPB complaints, by collapsing distinct issues into XXXX generic packet, showing no individualized review. \n\nXXXX Retaliatory Account Closure Without Notice On or about XX/XX/XXXX, Account XXXX was closed without advance notice and without legitimate cause. \n\nAt the time : There were no late payments nor are there any right now. \n\nThe account was in active dispute Any over-limit status was caused by fees and charges added during investigations, which should not have occurred I discovered the closure only on XX/XX/XXXX, when I was locked out of online access. \n\nThe explanations I was given were contradictory and false. \n\nXXXX Fabricated Fraud Narrative Explicitly Rejected After CareCredit/Synchrony were questioned ( including through CFPB complaints ) about the improper account closure, they introduced a false fraud narrative. \n\nThey claimed : I requested a fraud investigation A new account was opened for security reasons Fraud denials were issued on XX/XX/XXXX and XX/XX/XXXX This is false. \n\nI did not : Request a fraud investigation Report fraud by phone, mail, website, or complaint Ask for a new account Receive a new card Receive mailed notice of any new account Submit any fraud affidavit Contact identity theft services Yet CareCredit/Synchrony proceeded to : Issue fraud denial letters through CFPB responses Pressure me to swear affidavits and report identity theft * * * Continue advancing this narrative to regulators as fact * * * * This appears to be a post-hoc fabrication designed to justify an otherwise unjustifiable account closure and to sever the dispute history tied to Account XXXX. \n\nXXXX. Direct Regulatory Question Demand for Proof CareCredit and Synchrony Bank should be required to answer the following : When exactly was the alleged fraud request made? \n\nBy what method ( phone, mail, website, written complaint )? \n\nWhat proof exists that I initiated it? \n\nWhy do fraud denials exist for a claim I never filed? \n\nAdvancing a fabricated fraud claim to regulators is a serious compliance violation. Fraud is a major red flag ; lying about it undermines the credibility of every other assertion the company makes. \n\nXXXX. Pattern of Misrepresentation to Regulators I previously filed a CFPB complaint specifically addressing CareCredit/Synchronys attempt to coerce me into adopting their fraud narrative. Despite this, they continue to present it as fact. \n\nThey also responded to multiple CFPB complaints filed on different dates, involving different violations, with a single recycled response packet, demonstrating : No individualized investigation No timeline-specific analysis No good-faith engagement This pattern confirms that : The dispute investigation was never legitimate, and The CFPB complaint responses were likewise noncompliant. \n\nXXXX. Regulatory Concerns Raised This escalation raises serious concerns regarding : Failure to conduct good-faith chargeback investigations Concealment of material third-party evidence * * * Retaliatory account closure during an active dispute * * * Fabrication of a fraud narrative * * * Unauthorized account creation * * * Misrepresentation to regulators Abuse of the CFPB complaint response process","date_sent_to_company":"2026-01-07T06:30:56.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"18523730","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-01-07T06:02:04.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Pattern of Misrepresentation to Regulators I previously filed a CFPB <em>complaint</em> specifically addressing CareCredit/Synchronys attempt to coerce me into adopting their fraud <em>narrative</em>. Despite this, they continue to present it as fact."]},"sort":[12.064867,"18523730"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2129,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2129}]}},"product":{"doc_count":2129,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":853,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":843},{"key":"Other personal consumer report","doc_count":10}]}},{"key":"Debt collection","doc_count":250,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":74},{"key":"I do not know","doc_count":71},{"key":"Other debt","doc_count":37},{"key":"Telecommunications debt","doc_count":14},{"key":"Rental debt","doc_count":12},{"key":"Payday 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