{"took":172,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":91,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3183480","_score":22.662918,"_source":{"product":"Mortgage","complaint_what_happened":"Dear cfpb, COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Trouble during payment process Unfortunately the respond coming from my Mortgage Company ( Dovenmuehle ) about my dispute is not correct, because I don't have an Issue ( Trouble during payment process ), and because they didn't addressed my issue about the Appraiser report mistakes, they just back and forth many times about I'm not qualify to remove the PMI now, which is I know that, but they still didn't want to go to the main issue ( the Appraiser Report ). So, please, if you could let them know about my concern. \n\nWith my all Appreciation. \n\nThanks. \n\nXXXX XXXX XXXX","date_sent_to_company":"2019-03-25T17:01:33.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"22033","tags":null,"has_narrative":true,"complaint_id":"3183480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Dovenmuehle Mortgage, Inc.","date_received":"2019-03-18T21:53:12.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Dear cfpb, COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage <em>ISSUE</em> <em>Trouble</em> <em>during</em> payment process Unfortunately the respond coming from my Mortgage Company ( Dovenmuehle ) about my <em>dispute</em> is not <em>correct</em>, <em>because</em> I don't <em>have</em> an <em>Issue</em> ( <em>Trouble</em> <em>during</em> payment process ), and <em>because</em> they didn't addressed my <em>issue</em> about the Appraiser report mistakes, they just back and forth many times about I'm not qualify to remove the PMI now, which is I know that, but they still didn't want to go to the"]},"sort":[22.662918,"3183480"]},{"_index":"complaint-public-v1","_id":"3003439","_score":16.349226,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX American Express Bluebird was doing systen updates and having trouble which I was unaware of at the time. During these system updates/failures I tried using my Bluebird debit card at a store, my transaction declined and I was unable to get my merchandise. Confused, because I knew I had plenty of money I tried signing onto the app, the app was down. Next ( within mins of leaving said store ) I went to an ATM to withdraw money, I tried to withdraw {$300.00} but was told I had insufficient funds and could not do so. About a half hour after this hsppened I was finally able to get online and check my balance and transactions. Thats when I realized I was charged for the store transaction as well as the ATM Transaction. I called the bank and was told It happened to msny people not just me but that I would have to dispute those charges. It has now been 3 days later and I can not get them to send me the proper paperwork to have the issue fixed. Ive had to ask twice to have them send it to the correct email!","date_sent_to_company":"2018-08-28T04:25:15.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"02721","tags":"Servicemember","has_narrative":true,"complaint_id":"3003439","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-08-28T00:05:43.000Z","state":"MA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I called the bank and was told It happened to msny people not just me but that I would <em>have</em> to <em>dispute</em> those charges. It has now been 3 days later and I can not get them to send me the proper paperwork to <em>have</em> the <em>issue</em> fixed. Ive had to ask twice to <em>have</em> them send it to the <em>correct</em> email!"]},"sort":[16.349226,"3003439"]},{"_index":"complaint-public-v1","_id":"1694693","_score":15.2756,"_source":{"product":"Consumer Loan","complaint_what_happened":"I had an auto loan with chase auto finance that ended up being a total loss on XXXX XXXX XXXX XXXX paid their portion of the loan in XXXX XXXX and I contacted the dealer I purchased the vehicle from to fax the gap paperwork so I can get gap to cover the balance asap. I got in touch with gap and got the process going and never heard another word from chase or gap. I checked my credit in XXXX XXXX and saw I still had a balance on this loan so I sent a letter to chase asap and they responded that the loan was paid in full and closed. spring XXXX I noticed when I went to purchase a vehicle the lenders kept denying me saying I was 60 days late within 24 months so when I looked chase marked me for date of first delinquency XXXX and 60 days late with account paid and closed XXXX. I contacted chase and disputed several times through the credit agencies. the chase reps I spoke with went above and beyond to help me and had a few lates I got from moving out of state due to the payment issues I had because I did n't have statements to send with the payments and I greatly thank them for their help and understanding. they had trouble with the account being locked and archived when they tried again to correct the issue so during the cra dispute process someone at chase that handles the disputes changed my status from 60 days late to 91-120 days late and that I 'm XXXX payments past due and no matter how many times I dispute it everytime I dispute it and they report it the same my credit score goes down more and more. the lates are still removed from the payment history and I thank them for that. XXXX and XXXX XXXX are the only XXXX I 'm concerned with XXXX reported correctly.","date_sent_to_company":"2015-12-12T07:56:40.000Z","issue":"Managing the loan or lease","sub_product":"Vehicle loan","zip_code":"471XX","tags":null,"has_narrative":true,"complaint_id":"1694693","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-12-12T07:56:39.000Z","state":"IN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I contacted chase and <em>disputed</em> several times through the credit agencies. the chase reps I spoke with went above and beyond to help me and had a few lates I got from moving out of state due to the payment <em>issues</em> I had <em>because</em> I did n't <em>have</em> statements to send with the payments and I greatly thank them for their help and understanding. they had <em>trouble</em> with the account being locked and archived when they tried again to <em>correct</em> the <em>issue</em> so <em>during</em> the cra <em>dispute</em> process someone at chase that handles"]},"sort":[15.2756,"1694693"]},{"_index":"complaint-public-v1","_id":"1995444","_score":13.11442,"_source":{"product":"Debt collection","complaint_what_happened":"I noticed a collection debt on my credit reports and I disputed it because I had no idea what it was for. I received the dispute status back from the credit reporting agency and was informed that the debt remained. I contacted the company Central Financial and was informed that it was a bill from when I was XXXX. I informed the representative that they should have billed the insurance and then my Health Savings account that I provided to them in the ambulance and at the hospital prior. Somehow either the original hospital I went to did n't forward the information or they did n't bother to request reimbursement from the savings account credit card but instead they just sent it to collections. I never received anything contrary to what the company is stating. They are completely lying about sending me anything to show what the debt is for and ca n't even explain why they did n't submit the balance to the credit card/HSA card that should be on file. When I explained to the girl that I was willing to make a payment and take care of this bill but that they needed to delete it from my credit reports in return she informed me that they would n't. I informed her that it gave me no incentive to pay for it then so unless they remove it from my credit report then I would n't pay it at all. It 's not causing me any issues right now because it 's the only negative on my report and due to them not billing it correctly in the beginning, I now have to deal with this. I am willing to pay this bill now if they would agree to delete it from all XXXX credit reports that they have sent it too, otherwise it will delete off my report in another 5 1/2 years and I wo n't be paying anything. I do n't have a job at this time so I do n't have an income to even pay this bill, but I am still willing to take care of it thru my HSA account to get it removed from my credit report. They have to give me something in return since this is due to the practices of both XXXX XXXX and Central Financial Control who have both been in trouble for their billing & collection practices. This bill was actually incurred supposedly during the same time period that they were fined for and I should have been notified of the lawsuit against them.","date_sent_to_company":"2016-07-01T23:36:02.000Z","issue":"Disclosure verification of debt","sub_product":"Medical","zip_code":"85396","tags":null,"has_narrative":true,"complaint_id":"1995444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TENET HEALTHCARE CORPORATION","date_received":"2016-07-01T23:36:02.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Right to dispute notice not received"},"highlight":{"complaint_what_happened":["It 's not causing me any <em>issues</em> right now <em>because</em> it 's the only negative on my report and due to them not billing it <em>correctly</em> in the beginning, I now <em>have</em> to deal with this. I am willing to pay this bill now if they would agree to delete it from all XXXX credit reports that they <em>have</em> sent it too, otherwise it will delete off my report in another 5 1/2 years and I wo n't be paying anything."],"sub_issue":["Right to <em>dispute</em> notice not received"]},"sort":[13.11442,"1995444"]},{"_index":"complaint-public-v1","_id":"20205870","_score":13.065018,"_source":{"product":"Mortgage","complaint_what_happened":"I have reached out to Rocket Mortgage over 60 times since XX/XX/XXXX through XX/XX/XXXX about an issue that occurred where myself and a paramour living in a home did a refinance with the company and I assumed everything was done correctly but later found out a few months later after the refinance was completed and my partner had died that I had no ownership rights to the property because Rocket mortgage only had me recorded on the security deed and not on the warranty deed. This was very concerning and troubling as I wasnt aware at the time that two deeds should have been completed in the state of Georgia until after I had to hire two attorneys to deal with the home after her death in XXXX. Even more troubling was that it was as if I was being forced out of my home by the deceased family as they also had an attorney asking me to leave. I was paying the mortgage regularly even though without her income it was a significant hardship until I was advised by the attorney to stop making payments in XXXX of XXXX. I finally settled with her familys estate over 13 months later but the fight left me in financial distress as her heirs did not pay but one payment over 6 months. Therefore, I was left with a large past due balance with late fees and some corporate legal fees. I was able to avoid costly attorney fees by paying prior to them becoming involved. \n\nRocket mortgage did send over a loan modification that reduced payments a bit but would have increased the mortgage term to 40 years, which was not acceptable based on my age of being XXXX years old. I was hoping for some type of modification or concession that would correct the mistake that I feel was made by the Rocket mortgage closing team that would allow me to take on the security debt but have no ownership interest in a property that was my primary residence for over 6 years and without my income added to the loan application would not have been able to have been approved. We have repeatedly requested consideration of our situation and have been told that someone within the corporation would contact us about the request but havent heard back from anyone yet regarding some type of settlement to allow me to continue to keep the home and what was my good credit prior to the death and subsequent issues with title ownership, etc. Rocket mortgage representatives have been nice and provided customer service but either dont know or dont have the power to give a final answer to the request to reduce the fees/mortgage balance etc. Finally, I came home last year in XXXX and the door locks were changed as they had sent over a team to lock up the home during this back-and-forth dispute with the deceased relatives. I called and told them that I was going to continue to occupy the property and they gave us access to the property through a 4 digit code for the lockbox, but then they kept coming back and changing the locks after we notified them that we were going to try to make the necessary repairs and remain in the home. This is just an example of the extensive problems that I have experienced and would just like to have a response from the company to assist me in keeping the home, thanks in advance.","date_sent_to_company":"2026-03-12T16:39:11.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"30281","tags":"Older American","has_narrative":true,"complaint_id":"20205870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2026-03-12T15:53:58.000Z","state":"GA","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["I <em>have</em> reached out to Rocket Mortgage over 60 times since XX/XX/XXXX through XX/XX/XXXX about an <em>issue</em> that occurred where myself and a paramour living in a home did a refinance with the company and I assumed everything was done <em>correctly</em> but later found out a few months later after the refinance was completed and my partner had died that I had no ownership rights to the property <em>because</em> Rocket mortgage only had me recorded on the security deed and not on the warranty deed."],"issue":["<em>Trouble</em> <em>during</em> payment process"],"sub_issue":["Trying to communicate with the company to fix an <em>issue</em> while managing or servicing your loan"]},"sort":[13.065018,"20205870"]},{"_index":"complaint-public-v1","_id":"7244103","_score":12.814212,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I filed for XXXX  XXXX Bankruptcy in XXXX of XXXX and included my car loan I received through Capital One Auto Financing. The Bankruptcy Case Number for the state of Louisiana is 20-10445. The amount of the car loan at the time of filing was {$17000.00} ( {$17000.00} secured, and {$630.00} unsecured ). I paid the full {$17000.00} of the secured portion of the debt and I'd only paid {$110.00} of the {$630.00} balance before the case was dismissed at the beginning of XXXX due to non-payment. I lost my job in XXXX of XXXX and was not able to make the final payment of {$520.00} towards the unsecured portion of the car loan debt. \nI received a letter in the mail from Capital One stating I owed {$1600.00} towards the loan. I've attempted to call several times to resolve this issue. I spoke with XXXX, ID # CWI twice, once on XX/XX/XXXX and again on XX/XX/XXXX. During the conversation on XX/XX/XXXX, I informed XXXX that the amount they stated I owed was incorrect and that I could submit court documentation showing the correct amount owed on the vehicle. She said she would notate the account and forward my dispute to management and for me to call back on XX/XX/XXXX. I called back on the date requested ( which is today, as of the writing of this complaint ). XXXX appeared to have trouble finding the notated documentation and then explained that the amount of {$1600.00} but did not attempt to provide me with instructions to upload my documents to prove the correct amount. She said I couldn't speak to someone in management but that she would escalate my dispute to the resolution department. \nI refused the request to transfer me b/c at this time, I feel like I'm getting the run-around and that this company is making it difficult for me to resolve this issue so that I can receive the title for my vehicle. I am now working and fully prepared to pay the remaining balance of {$520.00} as owed but I refuse to pay a company {$1600.00} with no other documentation other than a letter that states it. I'm also feeling cautious because the representative I spoke to was reluctant to provide me instructions of how to properly file a dispute online and upload my court documentation to show the correct amount I owe. I honestly just want to resolve this matter as quickly as possible and obtain my car 's title. Please assist with helping me get this matter resolved. Thank you. \n\nThe company 's information is listed below : Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX The number listed is XXXX An additional address at the bottom of the form is Capital One Auto Finance XXXX XXXX XXXX City of Industry, CA XXXX","date_sent_to_company":"2023-07-13T15:37:06.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"70448","tags":null,"has_narrative":true,"complaint_id":"7244103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-07-13T15:10:05.000Z","state":"LA","company_public_response":null,"sub_issue":"Problem with paying off the loan"},"highlight":{"complaint_what_happened":["XXXX appeared to <em>have</em> <em>trouble</em> finding the notated documentation and then explained that the amount of {$1600.00} but did not attempt to provide me with instructions to upload my documents to prove the <em>correct</em> amount. She said I couldn't speak to someone in management but that she would escalate my <em>dispute</em> to the resolution department."]},"sort":[12.814212,"7244103"]},{"_index":"complaint-public-v1","_id":"14861884","_score":12.211311,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian is currently reporting multiple incorrect addresses on my credit file, none of which should be associated with me. The only accurate and legitimate address that should appear on my Experian credit report is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, which is my current and sole place of residence. I have never lived at, used, or authorized any reporting connected to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, nor XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, and their appearance on my credit profile is completely false and deeply concerning. \n\nWhats even more troubling is that Experian has misclassified my true addressXXXX XXXX XXXXXXXX XXXXas a previous address, while listing the other two unknown and unauthorized addresses as either current or more recent. This not only misrepresents my housing history, but also raises significant questions about the accuracy, integrity, and source of the data Experian is collecting and distributing. \n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) requires Experian to maintain reasonable procedures to ensure the maximum possible accuracy of the information they furnish. That obligation has clearly been ignored. There is absolutely no legitimate justification for these unrelated addresses to be appearing in my file. Whether the result of sloppy data sharing, poor internal practices, or exposure during a third-party data breach, it is Experians responsibility to detect, investigate, and correct these types of inaccuracies before they cause harm.\n\nI have disputed this issue previously and was met with a generic response claiming the addresses were verified without any explanation or documentation. This is a direct violation of 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed items. Verification without actual evidence is not verification at allits negligence. At no point has Experian provided any proof that I ever lived at the listed addresses in XXXX XXXX or XXXX XXXX, because no such proof exists. Ive lived exclusively at XXXX XXXX XXXX XXXX and no other location. The inclusion of unrelated residences puts me at risk for mistaken identity, credit fraud, and misclassification in underwriting systems that rely on this data. \n\nThe presence of these false addresses has already caused me stress and unnecessary confusion in the credit and housing process. I've had to explain and defend my address history to lenders and creditors, which is humiliating and absolutely unacceptable. I have nothing to hide and nothing to explainExperian simply refuses to clean up a mess of their own making.","date_sent_to_company":"2025-07-24T16:50:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33067","tags":null,"has_narrative":true,"complaint_id":"14861884","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-24T16:45:36.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Whether the result of sloppy data sharing, poor internal practices, or exposure <em>during</em> a third-party data breach, it is Experians responsibility to detect, investigate, and <em>correct</em> these types of inaccuracies before they cause harm.\n\nI <em>have</em> <em>disputed</em> this <em>issue</em> previously and was met with a generic response claiming the addresses were verified without any explanation or documentation."]},"sort":[12.211311,"14861884"]},{"_index":"complaint-public-v1","_id":"3982048","_score":11.924816,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I called Target Credit Card services to advise that I was having trouble submitting the XXXX payment online as customary. I tried twice and the payment failed both times despite having more than enough available funds in my XXXX XXXX savings account with routing number ending in XXXX. According to Target, the problem was not on their end. Somehow, the bank was routing the XXXX payment to an old account number ( same routing number ) ending in XXXX, instead of the intended account number ending in XXXX. \n\nDuring the XX/XX/XXXX call, the issue was corrected and full payment was collected via phone. There was no mention of additional penalties or forced account closure during the call. When I asked for a first-time courtesy waiver of the {$29.00} return fee, the request was denied. In response, I indicated that my card had been upgraded to a MasterCard ( vs store card ) to encourage additional spend, and I wanted to downgrade the card to my original plastic if this is the way they treat long-standing customers ( I have been a cardholder since XX/XX/XXXX XXXX. That request was also denied. I then stated that it was a horrible customer experience, driven by a bank error, and I planned to continue using the card in-store only going forward rather than continuing to support a bank that would penalize customers for their errors. The agent was rude and abrupt, cutting me off to say that this strict policy is mandated by Target corporation and not TD Bank ( the issuer ).\n\nSeveral days later, I received a vague adverse action letter stating that the card had been closed despite an impeccable payment history and ongoing active use of the card. With the closure of this tenured card, my credit score dropped 60 points with XXXX. While I am frustrated by the damage done to my credit score, I am writing because I called back again in XXXX to file a dispute and was denied the opportunity to do that. I asked the company to investigate what I believed to be punitive action and to confirm that it is indeed consistent with the Target Red Card agreement. I believe that the supervisor agent that I spoke with on XX/XX/XXXX engaged in disparate, unfair treatment and unilaterally decided to retaliate against me by closing the account, which was in good standing, to harm. When I called back, the new agent ( named XXXX XXXX told me that the card was closed because of the two returned payments ( not my error! ) and that the language in my Target credit card agreement called for closure according to its policy on returned payments. \n\nAfter revisiting the card agreement, there is no explicit language that says after 2 returned payments, your account will be closed - especially when those two occurrences happen within close proximity to each other and there is clearly a system error that needs to be addressed. \n\nIt is disappointing to know that this is how Target treats customers who have 100 % on-time payments and have long been loyal to the brand. More importantly, it is critical to gain clarity on this policy and ensure that there was no deceptive or unfair actions taken against me by this agent who represented Target on the XX/XX/XXXX call. The company is now demanding a final payment of {$41.00} consisting solely of fees associated with their bank error. And the threat is to further ruin my credit if I do not pay this final fee. After spending thousands of dollars each year on my Target card, this is shameful.","date_sent_to_company":"2020-11-30T22:06:35.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"782XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3982048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2020-11-30T21:20:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["<em>During</em> the XX/XX/XXXX call, the <em>issue</em> was <em>corrected</em> and full payment was collected via phone. There was no mention of additional penalties or forced account closure <em>during</em> the call. When I asked for a first-time courtesy waiver of the {$29.00} return fee, the request was denied."]},"sort":[11.924816,"3982048"]},{"_index":"complaint-public-v1","_id":"5214713","_score":11.890543,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello I am reporting an issue I am having with my bank. Navy Federal Credit Union. When all of this is over I will be leaving them because its been stressful talking to them and Ive never been through so much with a bank. So I had a situation where I was scammed out of {$410.00} at a repair shop called XXXX XXXX. ( This complaint is toward them as well if they can be included. ) I took my car to them on XX/XX/XXXX because my engine light came on. I took it to the local XXXX XXXX to get a diagnostic test before dropping off my car so I know whats wrong with it for myself. They gave me a list of codes. I called the repair shop and asked them to fix the problem which was a fuel leak. They agreed and I drop the car off for repairs. I have a XXXX XXXX XXXX. I go get my car and the engine light is off. I take the car home and after about 5 miles the engine light is back on. So the following Saturday I took it back to the shop because my car was not repaired. Me and the owner exchanged words I advised him that since they took my money and didnt fix my car they would be hearing from my bank and he said okay thats fine and asked me not to come back into his shop. The Saturday I left the car they held it for hours to call me back and say they cant fix it! Reached out to the bank that following week to do a dispute. Its XX/XX/XXXX and they have already closed my dispute. They asked me to get the car fixed correctly to help my case. I ask for time to do so the bank is telling me no and they will be taking the credit from me on the XXXX. I was only asking for time because I have to get my taxes first being that I dont have the money to fix a fuel leak on a XXXX at this time. I just started a new job making less money than I ever made after losing my job during the pandemic. Its like they dont want to work with me when Im the customer. When I first did the dispute I turned in receipts I turned in Invoices, I turned in whats wrong with my car, pics of my engine light being on, pics from XXXX XXXX diagnostic test as well and they are still closing my dispute!! Its very unfair when Ive never been a problem as a customer since Ive been with them .. they gave the merchant 4 months to respond to my dispute but wont give me time to get the car corrected to help my claim.. I even took the car to a shop and they told me that the prior shop only cut my engine light off and that they never repaired my car. They was able to look at my car and tell that it hadnt been repaired. Im not going to Lie Im going to be very honest Im broke. Im going through financial trouble due to the setback after the pandemic.. I went from making over XXXX an year plus small businesses I had going to now Im only making {$15.00} an hour at a doctors office. Im a honest woman if you look at my accounts I pay my tithes faithfully .. all Im asking my bank for is time cause XXXX dont have money no more. The repairs for my car for a shop to really fix it is about XXXX that I do not have until I get my income taxes and Ive explained this to my bank its like no we not working with you! Thats not fair to me as a customer! I just want time to fix my car! Please help me!","date_sent_to_company":"2022-02-12T15:59:22.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30084","tags":"Servicemember","has_narrative":true,"complaint_id":"5214713","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2022-02-12T15:31:12.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["Reached out to the bank that following week to do a <em>dispute</em>. Its XX/XX/XXXX and they <em>have</em> already closed my <em>dispute</em>. They asked me to get the car fixed <em>correctly</em> to help my case. I ask for time to do so the bank is telling me no and they will be taking the credit from me on the XXXX. I was only asking for time <em>because</em> I <em>have</em> to get my taxes first being that I dont <em>have</em> the money to fix a fuel leak on a XXXX at this time."]},"sort":[11.890543,"5214713"]},{"_index":"complaint-public-v1","_id":"3696399","_score":11.464586,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my ongoing XXXX chat with Capitol One, beginning XX/XX/XXXX. As I explain in my posts to them, I had already spoken to people on the phone, with no action. I have had credit reduced and a credit card canceled bc they failed to correct their mistake. Their mistake tanked my score down to XXXX. Not okay. The fact that they refuse to take immediate -- or even delayed -- action is inexcusable. Please help! Thank you. \n\nXX/XX/2020, XXXX XXXX Furious with # CapitalOne. They misreported a credit card payment as 30 and then 60 days late in XXXX and XXXX. I have had a {$0.00} balance for over a year. My credit score TANKED. So, I called in early XXXX and they said, yes, there was an error and it would be reported correctly on XX/XX/XXXX. XX/XX/XXXX comes and goes, no change. I had started a dispute the same day. I just got a notice from XXXX  about my dispute. NO CHANGE. Called Capital One, and after waiting forever, the rep was like, oh, it's resolved in your favor and you should be getting a letter that says so. Oh? Then WHY IS IT STILL SHOWING UP AS TWO LATE PAYMENTS?? \" It can take up to two months to show up on your credit report. '' XXXX? I've already had an XXXX card cancelled bc of my credit score .... it had a balance of {$0.00} and they said bc of the lack of use of the card AND my credit score, they were cancelling my card. So, with apparently many creditors feeling anxious about possible overuse of credit during pandemic time, I'm now at risk for losing more credit, which will increase my credit usage percentage and FURTHER TANK MY SCORE, until Capital One gets around to fixing this. I am beyond furious and I am helpless to do anything about it. \n\nHey XXXX! Thanks for bringing this to our attention ... we can completely understand why you're frustrated. Would you share the full name and zip code attached to the account? XXXX Yes, thanks. XXXX, XXXX XXXX XXXX Thanks! Did you ever receive a case number, or did you get an agent ID from an agent who was helping you with the credit bureau dispute? ^XXXX  From XXXX. Hold on. \nXXXX I was told on the phone today that I'd be receiving a letter, but I don't have that yet. I was assured by the rep I spoke with in early XXXX that the XX/XX/XXXX reporting would clear this up. But, it seems nothing would have happened if I had not opened a dispute. \n\nGotcha. Do you know the last four digits of the account you're referring to? ^XXXX  XXXX Thanks! And just to further clarify ... the last time you called were you able to speak directly to a supervisor about this? XXXX No, I didn't think I needed to. The woman I spoke with said that I was correct, that my balance had been {$0.00} on that card for about a year, and perhaps it was bc I set up for autopay that the system made the error. She said it would be reported correctly on XX/XX/XXXX. \nToday I did not speak w a supervisor either. \n\nWith the XXXX  dispute number you provided, I can't see the details of that, but have they had any communication with you about this at all? We know it's all frustrating, but it does fall on the credit bureaus to update the information if we were able to fix the incorrect reporting during the dispute process. ^XXXX  There are two separate issues here. ( 1 ) My initial phone call during which I was told C1 would provide the correct information on XX/XX/XXXX. ( 2 ) My disputes that I opened with the credit bureaus. Let 's forget about the second thing and discuss the first. That is when I was told that C1 would correct the error that was made through no fault of my own. I was told it would be fixed. I only submitted the dispute as a back up. It is NOT up to the credit bureaus to correct information when they are being provided incorrect information, which is what happened her. It is up to C1 to provide the correct information NOW. It should have been fixed on XX/XX/XXXX. There is not a single acceptable reason for why C1 did not fix its error on XX/XX/XXXX. I should NOT have to wait for two or three cycles for this to \" fix itself. '' As I said, my credit score TANKED bc of this. I had an XXXX card closed bc of my \" new '' score. \nSo, that caused my credit utilization percentage to go up with further tanked my score. \n\nI appreciate the additional information. Can you share your best contact number? I'll forward your concerns over to a supervisor, so they can review and follow up with you. ^XXXX  Thank you. XXXX. \n\nNo problem! A specialist should be in touch within about 5 business days. ^XXXX  Thank you. \n\nMon XXXX XXXX  I'm still waiting to hear from someone. I just had ANOTHER credit card decrease my limit because of this error. I'm losing patience. \n\nHey XXXX! Thanks for following up. I've sent another request for someone to contact you about this ... we appreciate your patience. ^XXXX  Thank you. I don't have any patience since the letter I opened today from another credit card lowering my limit due to my credit score.\n\nWe understand. I've marked my request as urgent, will follow up if they have trouble contacting you. ^XXXX  Wed XXXX XXXX I have still not heard from anyone. \n\nYour case has been escalated and you should be hearing from our leadership team. ^XXXX  Thank you. \n\nYou are welcome. And thanks for reaching out to Capital One via the social media channels. ^XXXX   XXXX XXXX  Two weeks and I've heard nothing.","date_sent_to_company":"2020-06-12T19:41:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"223XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3696399","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-06-12T19:30:42.000Z","state":"VA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["We know it's all frustrating, but it does fall on the credit bureaus to update the information if we were able to fix the incorrect reporting <em>during</em> the <em>dispute</em> process. ^XXXX  There are two separate <em>issues</em> here. ( 1 ) My initial phone call <em>during</em> which I was told C1 would provide the <em>correct</em> information on XX/XX/XXXX. ( 2 ) My <em>disputes</em> that I opened with the credit bureaus. Let 's forget about the second thing and discuss the first."]},"sort":[11.464586,"3696399"]},{"_index":"complaint-public-v1","_id":"11870997","_score":11.264031,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Formal Complaint Against Huntington Bank for Improper Dispute Resolution and Service Quality Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding Huntington Bank 's improper handling of my transaction dispute. Despite multiple attempts to resolve the issue directly with the bank, including a XXXX  complaint that has now been closed to my dissatisfaction, Huntington has failed to provide an adequate resolution. Below, I outline the series of events and key issues leading to my complaint : Background : Transaction Decline and Provisional Credit : I had a transaction declined by Huntington Bank despite being within my daily limit of {$10000.00} and approving the transaction via text. I first spoke to an associate who hung up on me after stating she would approve the transaction. A second associate then instructed me to repeat the process, which still did not work. I was told to wait, but waiting was not an option because the cost of the item was about to expire soon. Eventually, the transaction was approved by a supervisor, but due to Huntingtons delay and the initial decline, the item I purchased increased in cost by {$160.00}. \nDispute Submission : I submitted a dispute to Huntington Bank for the increased cost, which they acknowledged. I was informed that the dispute would take 7-10 business days to resolve. \nInteraction with XXXX XXXX : On XX/XX/XXXX, I spoke with XXXX XXXX from Huntington, who, after receiving my XXXX complaint, failed to provide satisfactory assistance. XXXX XXXX repeatedly said we \" agree to disagree '' and made dismissive comments. When I requested to speak with his supervisor, XXXX XXXX hung up twice during the call, refusing to assist further. \nAlleged Suspicious Website : During the call, XXXX XXXX claimed the transaction was declined because the merchants website was flagged as suspicious. However, I contacted the retailer, XXXX, who provided me with several links confirming the legitimacy of their website, directly contradicting XXXX XXXX statement. Despite this, Huntington Bank has continued to suggest that the website was suspicious without providing any evidence to substantiate this claim. It seems that Huntington is deflecting responsibility for the transaction decline to the merchant, XXXX, despite the retailers proven legitimacy. \nIssues Raised in the Letter from Huntington : I received a letter from Huntington Bank dated XX/XX/XXXX, on XX/XX/XXXX. In this letter, Huntington stated that the issue was either related to the quality of service or a binding contract with the merchant. However, Huntington failed to address these concerns and seemed to deflect responsibility to XXXX. \nThe letter also mentioned that the provisional credit of {$160.00} issued to my account would be reversed on XX/XX/XXXX, XXXXthe same day I received the letterproviding me no reasonable time to dispute this decision. \nDespite contacting the merchant, XXXX, who confirmed their legitimacy, XXXX insists that the transaction was declined due to a \" suspicious '' website without providing any evidence to substantiate this claim. \n\n\nPhone Call Attempt : After receiving the notice letter indicating XXXX determination, I requested a callback to resolve my issue further. After waiting XXXX minutes, I received a call back. However, when I provided my name, the call disconnected. This seems intentional, as it marks the third time, I have been hung up on in my attempts to resolve this issue. \n\nPhone Call with Transaction Dispute Supervisor : XXXX On XX/XX/XXXX, I called XXXX again and navigated through the prompts to reach the XXXX XXXX Department. After following the steps to get through the automated system, I was connected to the first representative. The representative informed me that I could only obtain the documents detailing the determination of my dispute by mail, not email. This created an additional delay in receiving the necessary information. \nI then requested to speak with a supervisor and was transferred to XXXX, a supervisor in the department, to discuss the matter further. During the call with XXXX, I raised several concerns : Email Contact Information & Lack of Transparency : I first asked XXXX how to email his department directly, and he provided the email address XXXX. However, I wondered where I could find this information myself since I had not seen any email contact listed on XXXX website for disputesor for any department, for that matter. XXXX initially told me he would check, then placed me on hold for at least XXXX minutes while he attempted to locate it. When he returned, he corrected himself, stating that there was no email listed anywhere on their website. This confirmed my concern that XXXX does not provide accessible contact information for dispute-related matters. \nOne-Way Email Communication : XXXX also XXXX that while the department receives incoming emails, they do not respond to them, making the purpose of having an email address questionable. \nNature of My Dispute & Damages Incurred : I reiterated that my issue was not about the quality of service, product, or merchant ( XXXX ) but how XXXX mishandled my dispute and the subsequent reversal of the provisional credit. Additionally, I pointed out that I suffered damages ( additional costs ) due to XXXX declining my transaction without explanation. At the time of the transaction, I was within my daily spending limit, so there was no apparent justification for the decline. Yet, XXXX has failed to provide any valid reason for this decision. Their refusal to acknowledge these concerns suggests a deliberate effort to dismiss the issue rather than provide a meaningful resolution. \nXXXX to XXXX Banking XXXX : Due to XXXX lack of transparency, failure to address my concerns, and the financial impact of their decision, I have considered severing my banking relationship with them. When I brought this up, XXXX confirmed that I have been a XXXX customer since XXXX, yet this situation makes it clear that my business is not valued. \nAppeal Process : I asked XXXX if there was a way to appeal the decision. He confirmed that he would open the dispute for further review on my behalf. I also asked him to submit a formal complaint about the issue. \nDispute XXXX : I inquired about who the dispute XXXX was, and XXXX mentioned a name that sounded like XXXX ( though I might have misheard or misspelled it ). \nXXXX XXXX Handling Documents : XXXX explained that the dispute documents would be sent to me, but the research team handles this process. The team does not take calls or allow contact with its managers. \nThis call further confirmed that XXXX has not taken adequate steps to address my concerns or provide clear guidance on resolving this matter. The lack of responsiveness and transparency is troubling, and it only adds to my frustration with the dispute process. \nConcerns and Requested Remedies : Provisional Credit Reversal : XXXX has indicated that the provisional credit will be reversed on XX/XX/XXXX, which gives me insufficient time to dispute their decision. I request that you investigate this issue and ensure that I am given a fair opportunity to challenge the reversal of the provisional credit. \nLack of Transparency and Accountability : XXXX has failed to communicate clearly why the transaction was declined, why the provisional credit was issued, and whether the credit will be reversed. Additionally, the poor customer service I received from XXXX XXXX, including hanging up on me and providing inconsistent explanations, only exacerbates the situation. \nFailure to Address the BBB Complaint : Huntington Bank closed my BBB complaint weeks ago without satisfactorily addressing my concerns, leaving me without recourse. \nSummary : XXXX XXXX Banks failure to provide adequate resolution and the lack of transparency in their handling of the dispute, I am forced to submit this complaint to the CFPB for investigation. I am seeking a resolution that includes : Confirmation of the status of the provisional credit. \nAdequate time to dispute XXXX 's decision regarding reversing the provisional credit. \nAn escalation of the matter to a higher-level representative to ensure proper customer service and resolution. \nI appreciate your attention to this matter and look forward to your assistance in resolving this issue. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-31T20:32:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"46062","tags":null,"has_narrative":true,"complaint_id":"11870997","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2025-01-31T19:55:16.000Z","state":"IN","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["He confirmed that he would open the <em>dispute</em> for further review on my behalf. I also asked him to submit a formal complaint about the <em>issue</em>. \n<em>Dispute</em> XXXX : I inquired about who the <em>dispute</em> XXXX was, and XXXX mentioned a name that sounded like XXXX ( though I might <em>have</em> misheard or misspelled it ). \nXXXX XXXX Handling Documents : XXXX explained that the <em>dispute</em> documents would be sent to me, but the research team handles this process."]},"sort":[11.264031,"11870997"]},{"_index":"complaint-public-v1","_id":"3336543","_score":11.203608,"_source":{"product":"Checking or savings account","complaint_what_happened":"My account was fraudulently used on XX/XX/2019 to the amount of {$200.00}. I have been a Citibank customer for over a decade and I NEVER even once had to speak to them in regards to any form of fraud with my bank account. That is why I am deeply offended by the lengths that I have had to go to thus far in order to prove to them that the occurrence was fraudulent. I primarily if not exclusively use Citibank ATM machines and there are an abundance of them in XXXX ; the location where this fraudulent transaction occurred. \n\nIn fact, I believe that my information was stolen while using a Citibank ATM on the last transaction prior to the fraud. I for sure would not have been have been using a non-citi ATM because as you can see in the amount of the dispute. A fee was charged of {$1.00} to withdraw {$200.00}. I see no reason to pay someone to use my own money. That makes no sense to me when XXXX has million options. \n\nMy card is basically an ornament in my wallet. No purchases are ever made with it and no one ever touches it but me or an ATM machine which is almost always a Citibank ATM. This is the primary reason why in over 10+ years I have never had to deal with any form of bank card fraud because I keep my exposure very limited. \n\nUnfortunately, I now work in XXXX XXXX XXXX which is very densely populated and I believe that somehow an individual was able to tamper with the last ATM that I used prior to the incident on XX/XX/2019. \n\nI check my account on my cell phone regularly. Therefore, I contacted my bank immediately when I noticed that I was missing money by means that were not authorized by me. This was around XXXX on XX/XX/2019. \n\nI disputed the charge and then the bank then reversed their temporary credit stating \" it was within my normal type of activity ''. I disputed this again ; this time providing evidence of emails from my work email address around the time of the withdrawal. \n\nDespite this information and my request to review the account history to find any previous withdrawals during the middle hours of a normal 9-5 work week or from a non-Citibank ATM ; my second request was also denied.\n\nOf course as I worked for, earned and paid taxes on the money that was lost ; I attempted to fight it a 3rd time. However, this time I was provided a different fax number for escalation. This number has not worked over 2-3 weeks of attempts to fax.\n( Records of this can be provided as needed with date/time and images of the fax attempt as well the phone response. ) - One attached to this claim The biggest issue that I have is that I am being told what a transaction that \" is normal for me '' or \" would not be fraud '' is by their research. Yet, their researchers failed to get any of the main information correct when sending me this last denial letter. \n\nThe letter not only has the wrong dollar amount but also listed a completely different date. Even more troubling would be the fact that the date on the letter ( XX/XX/2019 ) is a date in my account history that does not even have ONE single transaction on it. ( No withdrawals, deposits, debits, credits, or anything to even dispute. ) This is why I have turned to you for help ; because I believe that their customer service is incompetent and I have been directed to a dead-end with \" my only option now '' being to submit a request in writing to a non-working fax number. [ Fax : ( XXXX ) -XXXX ]","date_sent_to_company":"2019-08-11T04:47:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11580","tags":null,"has_narrative":true,"complaint_id":"3336543","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-08-11T00:23:00.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Even more <em>troubling</em> would be the fact that the date on the letter ( XX/XX/2019 ) is a date in my account history that does not even <em>have</em> ONE single transaction on it. ( No withdrawals, deposits, debits, credits, or anything to even <em>dispute</em>. ) This is why I <em>have</em> turned to you for help ; <em>because</em> I believe that their customer service is incompetent and I <em>have</em> been directed to a dead-end with \" my only option now '' being to submit a request in writing to a non-working fax number. [ Fax : ( XXXX ) -XXXX"]},"sort":[11.203608,"3336543"]},{"_index":"complaint-public-v1","_id":"11496193","_score":11.162902,"_source":{"product":"Credit card","complaint_what_happened":"XXXX\n\nI am lodging this formal dispute because, to date, and well over 9 months since I paid off my Care Credit account, and despite MANY phone calls and requests, Care Credit has continuously failed to correct my account. While the account is indeed listed as closed, as of XXXX it shows a balance of XXXX. \n\nAll of these issues stem from someone elses XXXX payment made in XXXX XXXX that was MISAPPLIED to my account. Below is a summary of the events that have taken place to date:\n\nAs of my XXXX  statement, my balance was at XXXX XXXX XXXX XXXX, my husband and I refinanced our home with XXXX XXXX  The refinance included paying off all of the credit cards in my name. Care Credit was one of those cards.  My goal was to pay off my Care Credit account and then CLOSE the account. \n\nMy title company issued payment for the statement balance in midXXXX XXXX however the check was not received by Care Credit before the payment due date of XXXX so I made an interest only payment in the amount of XXXX on the due date of XXXX  I have records of phone calls to Care Credit at various times in XXXX including twice on XXXX  and once on XXXX. Any calls I would have made earlier in the month would have been made from my office phone and I dont have access to those long distance call records. \n\nI called Care Credit on XXXX XXXX and XXXX XXXX about the payment that had been reissued and checked to see if theyd received it and also questioned them about the misapplied payment of XXXX. I was told it would take a couple of billing cycles to correct the misapplied payment. \n\nMy title company issued a stop payment on the prior check issued to Care Credit, and thereafter reissued the check and overnight mailed it to Care Credit.  Care Credit posted this payment to my account on XXXX \n\nMy next Care Credit statement dated 0XXXX notes the following activity: (1) a credit applied which was described as dispute-temporary credit in the amount oXXXX XXXX on XXXX; (2) a payment in the amount of XXXX posted on XXXX (THIS IS THE INFAMOUS MISAPPLIED PAYMENT THAT HAS CAUSED SO MUCH TROUBLE) and (3) another separate payment in the amount of XXXX posted XXXX (THIS WAS THE INTEREST ONLY PAYMENT I MADE).   The ending statement balance was negative XXXX.\n\nThe next statement issued by Care Credit was dated XXXX  and notes the following activity: (1) payment in the amount of XXXX (THIS WAS THE CHECK FROM THE TITLE COMPANY MENTIONED IMMEDIATELY ABOVE THIS PARAGRAPH); and (2) a balance adjustment of XXXX  The ending statement balance was negative XXXX \n\nThe next statement issued by Care Credit was dated XXXX. There was no activity on the account and the ending statement balance was, again, negative XXXX \n\nThe next statement issued by Care Credit was dated XXXXXXXX. Again, no activity was on the account and the ending statement balance was once again, negative XXXX \n\nMy cell phone records reflect I also called Care Credit on XXXX XXXX twice for a total of 10 minutes. Because these calls were so short I assume I was just calling about the status of them reversing the misapplied payment and applying it to the correct account. I still wanted to close my account, but could not do so until this issue was fixed.\n\nThe next statement issued by Care Credit was dated XXXX. Once again, no activity was on the account and the ending statement balance remained at negative XXXX. \n\nI next called Care Credit on XXXX and was furious when I checked my account and saw that they had issued a refund check in the amount of XXXX. I told them that I never got that check and even if I had, I would not have cashed it because I was not owed that, and that I was only owed XXXX  I spent about 30 minutes on the phone with them that day. I lodged another complaint and they said theyd look into it. \n\nThe next statement issued by Care Credit was dated XXXX. Activity reflected on this statement was as follows: (1) a refund check issued XXXX in the amount of XXXX  (2) a balance adjustment of XXXX on XXXX and (3) another separate balance adjustment on XXXX in the amount of XXXX Due to all of this activity, the ending statement balance went from negative XXXX all the way up to XXXX \n\nI called Care Credit twice on XXXX, three separate times on XXXX and once on XXXX. I again told them that I never received any such refund check and even if I had I would not have cashed it because it was not my money. I also reiterated once again that the $XXXX was owed back to me as a refund of the interest payment I made back in XXXX. Youll see on their XXXX XXXX statement they did send me a check for the XXXX which I cashed. I also complained about the current noted balance of XXXX  and questioned why it was still there. I recall going up the ladder to several representatives and managers and was assured that my credit would be corrected as I felt their actions were causing my credit score to decrease. I was told by the last representative I spoke with that he would correct my credit score THAT SAME DAY but that the balance issue would need to cycle through and to just be patient. \n\nCare Credits next statement was dated XXXX Multiple entries are noted on this statement which consisted of the following:  (1) a credit described as dispute-temporary credit on XXXX  in the amount of XXXX (2) another separate credit described as XXXX on XXXX in the amount of XXXXXXXX  (recall, this was the refund check they supposedly sent out on XXXX; (3) a refund check in the amount of XXXX (described in the paragraph above); (4) a credit described as customer settlement in the amount of XXXX on XXXX and (5) another separate credit described as customer settlement in the amount of XXXX also on XXXX. As a result of all of this activity on my account during this statement period, the ending statement balance was negative XXXX \n\nI did not make any phone calls to Care Credit during the month oXXXX XXXX, because I had been told in XXXX to let things cycle through. \n\nCare Credits next statement was dated XXXX. The only activity reflected on this statement was a supposed payment on XXXX described as Payment thank you XXXX  OH with payment no interest. The ending statement balance was noted to be XXXX.  I can assure you, I never made any such payment. Why would I when my account was supposed to be at XXXX? For all I know, they misapplied someone elses payment for a second time. I dont know where this came from.  \n\nAfter seeing the XXXX statement, I was admittedly extremely frustrated and angry. I called them twice on 10XXXX  and spent a total of 144 minutes on the phone with that day alone, and another 54 minutes on the phone with them two days later on XXXX. I did not get anywhere with them despite speaking with at least 7 people and recall being told that my calling was starting things over in terms of their investigative process. I also recall being told that they were in the process of investigating their prior investigation especially with regard to the XXXX  refund check they supposedly issued in XXXX  which I never got (and even if I had, would not have cashed it). I questioned and asked to speak with their legal department, threatened to sue them, and demanded answers to no avail. I just kept getting the same old run around that I had already been getting for many months. \n\nI called Care Credit again on XXXX and spent 74 minutes on the phone with them. What prompted this call was that I received a collection call from them asking me to make a payment on my account. They told me that they would remove me from the list of collection calls. I demanded to speak to their legal department and was told they had none. I lodged yet another complaint, and got the same old speech that theyd look into it.  As I was on hold towards the end of the phone call, they disconnected the call. I did not call back as I was at work and could not get away.  \n\nThe XXXX XXXX was the last statement I had access to. I cannot get into my online account. I have not seen the XXXX XXXXXXXX or XXXX XXXX statements. However, I have been getting email reminders from Care Credit. \n\nThe latest email reminder I received from Care Credit stated that the minimum amount due for XXXX was due by XXXX These email reminders also state that the account balance is currently at XXXX. \n\nThe last time I called Care Credit was XXXX I explained everything (again) and did not understand why this was still showing up on my account. I told the representative that I saw on my credit report that the account is still showing as closed but that there was still a balance showing so it was looking bad on me-  as if I didnt pay my bill and it was closed as a bad debt or something like that. I told her that this was going on far too long (almost a year) and I was tired of being told the same old thing time and time again. Predictably, she stated that theyd look into it. She also told me that they have no way of verifying whether the XXXX refund check was ever cashed by me. I told her that cannot be possible, but that is what she said.  I was told it would take another 60 days to figure things out.  \n\nI thereafter received a letter from Care Credit dated XXXXXXXX which stated We are researching the payment in question. You are not responsible for paying the disputed amount during our investigation. Therefore, while we complete our research we have issued a temporary credit to your account in the amount of XXXX for the payment dated XXXX  and associated interest and fees  THIS IS INSANE. NOW, ALMOST AN ENTIRE YEAR LATER, THEY ARE INVESTIGATING WHETHER THEY RECEIVED THE FIRST CHECK ON XXXX WHICH, OF COURSE, THEY DID NOT BECAUSE MY TITLE COMPANY PUT A STOP PAYMENT ON THAT CHECK, RE-ISSUED THE PAYMENT AND OVERNIGHT MAILED IT TO THEM, AND THEY CASHED IT. AGAIN, THE RECEIVED PAYMENT IS REFLECTED ON MY XXXX XXXX  CARE CREDIT STATEMENT. \n\nIn summary, there just does not seem to be any resolution and it is the same thing with Care Credit each and every time I speak with them. I have spent HOURS on the phone with them and have called no less than 19 times (including XXXX since XXXX XXXX Nothing is being done and this needs to be fixed. I have gone about as high as I can go with them and am seriously considering legal action but wanted to try lodging formal complaints with all three credit bureaus first.  \n\nI have also in the last two weeks lodged complaints/disputes with all three credit bureaus. None of these have been helpful as Care Credit is still erroneously stating I owe them money, but that I am not also over 30 days past due on my bill.   Nobody over there is taking the time to go back through the statements, look at the transactions posted to my account, and correct their errors. \n\nAgain, my credit needs to be corrected so that it shows I paid off my balance in full, there were no delinquent payments, and the account should be closed. As it stands right now, it looks like I have not paid my credit card off which is false. All of the activity that has been on this account since XXXX XXXX   the misapplied payment, the removal of the XXXX from my account, and then charging it back to my account time and time and time again. These people at Care Credit are completely incompetent and at this point I feel it is deliberate on their part- there is something going on over there that is not on the up and up.  They need to do whatever they need to correct the record in this matter- and that would be to (1) reflect on my credit report that the account is at a XXXX balance; (2) remove all references to delinquency; (3) reflect that the account was paid in full; and (4) the account is closed.  \n\nPlease contact me at XXXX if you have any questions or write me at XXXX XXXX XXXX XXXX XXXX AZ XXXX. You may also call me anytime at XXXX. Thank you for your assistance.\n\nSincerely,\nXXXX XXXX XXXX","date_sent_to_company":"2025-01-14T01:58:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"85388","tags":null,"has_narrative":true,"complaint_id":"11496193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-01-14T01:13:28.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX\n\nI am lodging this formal <em>dispute</em> <em>because</em>, to date, and well over 9 months since I paid off my Care Credit account, and despite MANY phone calls and requests, Care Credit has continuously failed to <em>correct</em> my account. While the account is indeed listed as closed, as of XXXX it shows a balance of XXXX. \n\nAll of these <em>issues</em> stem from someone elses XXXX payment made in XXXX XXXX that was MISAPPLIED to my account."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[11.162902,"11496193"]},{"_index":"complaint-public-v1","_id":"7642030","_score":11.148686,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2023, I placed an order for furniture on the XXXX XXXX XXXX website. The order # XXXX was assigned to the furniture I wanted, and the payment was successfully processed using my Synchrony PayPal MasterCard for the amount of {$2300.00} that day it was charged. \nOn XX/XX/XXXX I contacted the seller via chat to inquire about shipping time and dates on their website XXXX XXXX XXXX and did a virtual chat with a representative stating that it would take 3 to 5 business days for tracking information. Note : I did screen shot that conversation to fax as requested to the dispute team for PayPal MasterCard. \n\nOn XX/XX/XXXX, I initiated an open claim to do a chargeback with Synchrony PayPal MasterCard for the amount reasons for not receiving merchandise at that time I did not want to pay interest or pay for product not received yet. In response, PayPal promptly placed the balance on hold, relieving me of any obligation to make payments or incur fees for interest during this process. And to note I found out later in XXXX I was not aware that they put it in as a dispute instead of chargeback. \nOn XX/XX/XXXX I have not received the tracking information from seller XXXX XXXX XXXX for the furniture I wanted and by this time PayPal MC has charged my credit card again for the amount which was a disappointment to me considering I have not received the furniture yet. So, I contacted Synchrony PayPal MasterCard to put in another chargeback until I received my furniture, and this turned into a dispute that PayPal MC representative put in for me And I was fine with that considering I had not received any tracking information or any email updates from this seller. \n\nI think at the beginning of XXXX, I contacted synchrony PayPal MasterCard again just to get updates on when I will get a refund for this because I have not received any information or updates from the seller. At this time PayPal MC wanted me to give the seller 40 days to send my furniture. The dispute team representative for synchrony PayPal said they got this off the website which I thought was strange that PayPal did not even contact the seller about tracking info with numbers or when I can receive product. To my dismay PayPal MC reinstated the funds to the merchant, which left me disappointed. However, I decided to exercise patience and wait for the full 40-days from the time of purchase timeframe as requested. \n\nBy this time, I had to keep putting in disputes so I would not be charged an interest fee and a monthly payment until I receive merchandise. \nAgain, I received my bill from synchrony PayPal MC asking me to pay a portion of the amount charged for the furniture that I have not received yet. I find this very disheartening to pay for something I have not received yet and have to pay a bill for. I did call PayPal MC to inform them that I will be putting in a dispute for the seller XXXX XXXX XXXX after the 40 days that PayPal MC requested me to wait for not providing tracking information and not delivering on their promise to send me merchandise that I am being charged for if they have not sent me tracking after the 40 days. \n\nOn XX/XX/XXXX I initiated a chat conversation with XXXX XXXX XXXX to address the prolonged delay in my order. During the chat, I communicated to the representative that the order had surpassed the 40-day policy and requested a full refund due to seller not holding up there in after the 40 days, along with a full refund. To my surprise, the merchant informed me via chat that they had already canceled the order, and that they did not receive funds for PayPal MC Instead, they indicated that the funds were held by PayPal Mastercard, suggesting that I should contact PayPal directly to facilitate the process of obtaining a complete refund. Note : I did screen shot that conversation to fax as requested to the dispute team for PayPal MasterCard. \n\nOn the same day XX/XX/XXXX I contacted PayPal MasterCard to inform them that the merchant stated that they did not have my money refund and funds were held by PayPal and that they were not going to send product because of the initial dispute that was put in on XX/XX/XXXX I informed them that I did not put in a dispute I only put in a charge back that was PayPal MasterCards dispute team addressing the situation and not correctly categorizing my discernment with pain with a chargeback instead they put it as a dispute instead and that was not my fault I was not intending on canceling my purchase at that time I was intending to let PayPal know that they shouldnt charge me for merchant that I have not received yet. \n\nIn XXXX, By this time I had to keep putting in for disputes with PayPal dispute team to correct the situation and give me back my funds that they are holding from me. \n\nOn XX/XX/XXXX I contact the seller XXXX XXXX XXXX support via chat that for the past three months, I have been engaged in ongoing correspondence with both XXXX XXXX XXXX 's support team via chat and PayPal MasterCard and during a conversation with XXXX XXXX XXXX support, it was revealed that the furniture was not shipped due to a dispute I raised with PayPal. I must clarify that I initiated the dispute after waiting for more than 40 days for the furniture to arrive, which I believe is an excessively long duration for such a purchase. I informed PayPal MasterCard of this because PayPal MC said seller shipped Merchandise to me but yet I dont have tracking or nor did I sign for anything of the sort and that I owe {$2300.00} And I inform PayPal that I did not receive nor signed my signature for that furniture. \n\nOn XX/XX/XXXX, After I contacted the seller again XXXX XXXX XXXX by email and stated the same thing I reached out to PayPal MasterCard to let them know that the seller XXXX XXXX XXXX claimed they didn't have the money funds either from PayPal MC. The seller XXXX XXXX XXXX also said they wouldn't send the product due to an issue that started on XX/XX/XXXX with a dispute. I clarified to XXXX XXXX XXXX the seller that I didn't file a dispute but rather a chargeback during that time because PayPal had already billed me for this merchandise, and I did not have the merchandise in my possession. PayPal MasterCard 's dispute team mislabeled it as a dispute, which was not my intention because I put in for a chargeback during that time in XXXX. I just wanted to inform PayPal MC that they shouldnt charge me for a product I hadn't received yet and to put it as a chargeback. Now Im believing that this led to a chain reaction leading to no merchandise sent and PayPal still holding funds on both ends. \n\nIn XXXX, I found myself in a situation where I had to initiate another dispute with PayPal MasterCard. This became necessary because I wasn't receiving any assistance from them, and my credit card still carried a balance of {$2300.00} with an impending payment due. Consequently, I had to file a dispute to avoid making that payment. Additionally, I wanted to communicate that the merchandise I had ordered had not been sent, and I was seeking a full refund. \n\nWhen I contacted PayPal, they informed me that the seller claimed to have sent the merchandise to me, which was not true. To date, I have not received anything, yet I am being billed for a product I do not possess. I requested PayPal MasterCard to provide me with tracking information, but they have yet to do so. They mentioned that they released funds in favor of the seller based on the assertion that I received the merchandise, which is untrue. \n\nToday is XX/XX/XXXX, and I'm still facing the same issue that started earlier this year. I have an update from the seller, XXXX XXXX XXXX. I reached out to them via email today to discuss resolving the situation since Synchrony PayPal MasterCard hasn't taken any action. In the email I left my name and number to contact me again about resolving this situation and in the process of writing this letter to CFPB, I received the sellers call. I did record audio of the conversation as evidence for PayPal MasterCard, showing that the seller didn't send the merchandise. \n\nThe seller XXXX XXXX, owner of XXXX XXXX XXXX, informed me that PayPal hasn't released funds to him either. He apologized for the trouble I've been through, and From what I gathered on the conversation that we had he has other funds from buyers being held by PayPal because of this situation, Im guessing he wanted to reach out now considering this is causing him to not receive funds for the other sales being held due to this situation but I do wished and expressed to him that we could have resolved this sooner with only him having funds held up for just me not others that use PayPal as a form of credit. He mentioned that he wanted to resolve this through PayPal as well but they are giving him the run a round as well as myself And he mentioned that he wanted a restocking fee which I informed him that I did not cancel my order I just never received shipping information in PayPal and their neglect didnt relay information to him or myself about both parties I myself did reach out several times about shipping to them and I informed him I have not received any information on his side until now because of money held up for other purchases he wants to retrieve. I mentioned that the problem might have originated from PayPal categorizing it as a dispute instead of a chargeback, which set off a chain reaction that PayPal didn't rectify on either end.\n\nThe seller has confirmed that he doesn't possess the funds he initially claimed, and I have yet to receive my full refund of {$2300.00} from PayPal MC. In my view, a fair resolution would involve me receiving my complete refund from PayPal MasterCard. Additionally, I believe PayPal MC should not charge credit card unless seller have tracking info with dates and maybe PayPal covers any fee for seller, as my intention was to acquire the merchandise. Unfortunately, circumstances have led me to purchase alternative furniture, rendering the items he has on hand unnecessary. \n\nI apologize for the length of this letter, and I tried to put the dates in as close as possible to when I remembered them and some of the record keeping I have saved to convey the ongoing nature of this issue. Managing everything has been quite challenging, especially given that it's been nearly six months of dealing with this situation. but I wanted to provide as much detail as possible. I hope that this information can assist in resolving the issue between myself and the seller, as well as our ongoing situation with the credit card company Synchrony PayPal MasterCard. I look forward to hearing from you soon and am hopeful that you can provide assistance in this matter. \nPS I tried to attach all the documents I could find to help me and I could not upload the audio due to audio file to large. \n\nThank you, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-10-05T04:35:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"28217","tags":"Servicemember","has_narrative":true,"complaint_id":"7642030","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-10-05T03:11:44.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I clarified to XXXX XXXX XXXX the seller that I didn't file a <em>dispute</em> but rather a chargeback <em>during</em> that time <em>because</em> PayPal had already billed me for this merchandise, and I did not <em>have</em> the merchandise in my possession. PayPal MasterCard 's <em>dispute</em> team mislabeled it as a <em>dispute</em>, which was not my intention <em>because</em> I put in for a chargeback <em>during</em> that time in XXXX."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[11.148686,"7642030"]},{"_index":"complaint-public-v1","_id":"5917967","_score":10.96199,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX To whom it may concern, My fears are exactly as I thought, there are numerous mistakes on XXXX. As Ive stated years ago to each bank, I had my identity stolen. And instead of the banks addressing it correctly, they punished me, wrote incorrect filings, and that damage is causing me extreme distress amongst other issues. Attached is the police report of the identity theft. You are to immediately remove my entire XXXX statement, any refusal to do so will result in a lawsuit. XXXX has a history of this type of behavior, and that behavior being incorrectly stating issues on their website, which results in punishment against me, when it was not my fault I had my identity breached. Make note, I also told numerous bank representatives this years ago, and everyone failed to update documents correctly, in an attempt to purposely hurt me. In one instance of XXXX found here, XXXX XXXX XXXX XXXX paid out for mis handling information, and just a couple years later, XXXX is STILL GUILTY OF THIS, making the precedent that much more true. This is amongst numerous other lawsuits where XXXX violated the law. \n\nThe information XXXX has is inherently incorrect, false, and not true. From all banks related, via XXXX XXXX XXXX, XXXX XXXX, XXXX, and Bank XXXX XXXX, on the entire report. \n\nXXXX has an obligation and duty under law to keep and maintain accurate records and has failed to do so which caused me harm. The harm being, and not limited to just this, is me being unable to open a bank account because of the incorrect information of XXXX \n\nFailure to properly dispose of such issues on my XXXX will result in an immediate lawsuit, with case precedent to back my claims, that even after the class action, XXXX is still doing the same thing. Additionally, I will report, in the event this issue does not resolve immediately, to the numerous federal branches that oversee XXXX and remind them, that even after numerous lawsuits, XXXX is still posting incorrect information, failing to update information, and is doing so to purposely hurt consumers like myself and not limited to that. \n\nXXXX primarily tracks fraudulent activities such as check fraud, bank fraud, forgery, check-kiting, check alteration and counterfeiting, ALL OF WHICH I AM NOT GUILTY OF. What I am guilty of is, is being a VICTIM, to IDENTITY THEFT. I SHOULD HAVE NO FILE WITH XXXX AS I DID NOTHING WRONG. \n\nResolution : There is one resolution, and only one I will accept. After I submit this, and include the identity theft report, XXXX is to immediately remove every mark on the file, from every bank, and give me a clean sheet. What this means is that I am not liable for identity theft and will not be punished as such. The identity breaches where happening and still are happening to date. In the event XXXX fails to properly maintain my file, this will result in a lawsuit, just like the many other before. I have notified and been notified the banks about such issues, especially when it was happening and the banks refused to protect me and instead blatantly abused my trust in them, IN BAD FAITH. This is very deceitful and I will not stand for this. \n\nLegal Notice : I have a right to amend this statement and filing. All communication will be subject to legal interpretation. \n\nSent XX/XX/2022 at XXXXXXXX XXXX, to the secure message center from email link to XXXX XXXX XX/XX/XXXX, I called XXXX and spoke to a XXXX at XXXX. XXXX failed to provide me his work ID and last name and failed to provide proper information so that I know who he is when dealing with my claims. XXXX exclaimed during the phone call that the police report was not legitimate, THIS IS FALSE. XXXX had many reasons for why the police report was not official however, none of which are covered under the FCRA or any terms and conditions. One reason XXXX said EWS denied my official police report because it looked like a screenshot. I then stated to him, how else am I suppose to upload to pdf. His claim made no sense. Next he stated it was unofficial because of no signature on an official police report. ( I called the XXXX on XX/XX/2022, to confirm if this was true, and the sheriff deputy said that EWS was incorrect and that it is an official document that they would hand to a court official ). So the non signature on my official police report is not a valid reason nor can XXXX provide a valid reason to deny it. Additionally I asked XXXX to speak directly to the dispute team handling my disputes, in which he refused, because he said they didnt have a direct number, while he was directly communicating with the dispute team at XXXX on the phone, so that was another lie. XXXX habitually stated that it was not an official police report which leads to one of two assumptions, either A ) Im committing fraud by submitting a fraud police report I made up ( WHICH IS UNTRUE ) or B ) XXXX is purposely being malicious, and failing to protect a victim of identity theft. The answer is B. I asked to speak to a manager, he then stated it would be 24-48 hours before one calls me back. I still havent received a call from a manager. XXXX also stated I can use the transfer portal to upload document, in which I told him Ive already done that a few times Proof below. \nHere is an email sent directly of the police report much before XXXX said I didnt upload it. \n\n\n\nAdditionally proof of submittance of documents shown below. Sent PDF More additional proof of me submitting documents with a hyperlink and jpeg image. \n\n\n\n\n\nXXXX had told me my claims where all denied because I failed to provide an official police report which is exactly what I provided, XXXX  is willfully hurting me and blaming the victim of Id theft for things I did not do or commit. XXXX  is purposely acting in bad faith and stupid, because we all know, even the sheriffs office, that the document I sent is legit. \n\nAdditionally I filed a report to the CFPB about the violations on XX/XX/2022. The complaint ID is XXXX On XX/XX/XXXX, I called XXXX after the above information and asked to speak to a manager. The call rep on the phone told me there was nothing a manager could do ( which is a lie ). The rep on the phone then told me, after XXXX told me the day prior that my disputes where denied, that my disputes are opened back up. I can only assume this bc of the CFPB complaint. And to date, still have not got a call back from a manager. \n\nOn XX/XX/2022, I updated my complaint to the CFPB case number on the updated claim is XXXX I received this email from XXXX at XXXXXXXX XXXX Once again stating for me to upload my identity theft documents and report. \n\n\n\nI then stated this below, and once again it shows delivery of PDF ( as requested ) of the official police report. For the fifth or 6th time. \n\n\nThe email that requested PDF Also on XX/XX/XXXX, called XXXX around XXXX, XXXX is having trouble finding my profile under my name which I spelled out perfectly, XXXX is also stating no consumer profile found under my name, XXXX was refusing for a good majority to let me speak to a manager for the first 5 minutes before he finally budged, even though a manager should have called me by now to directly correlate with me, so much passed the 48 hours I was told a manager would call me back. Waited much longer than 5 min. And waited longer than 10 min, no manager contact still after waiting longer than 10 minutes, was promised management would call much prior and XXXX hung up at XXXX refusing to let me speak to a manager. In the notes, from talking to XXXX, she exclaimed XXXX said the call was released bc there was no response, which is false, he also never even asked if I was there, you guys actively record conversations, you will hear me during the conversation with XXXX, I never hung up, I was there the entire 20+min call, as the record of the phone call conversation that was recorded will prove. \n\nCalled back the same day at XXXX XXXX  after XXXX hung up, I called XXXX picked up. Had trouble finding my information once again by my name. Even though XXXX had no issues, but this came right after I reported them to cfpb. XXXX then asked me for my social and I gave up, then put me on hold to look it up. And having trouble look up account from social but was able to finally find the profile. Then XXXX put me on hold to transfer me to a supervisor. The supervisors name is XXXX. Still requesting I submit Id theft report when Ive done so over 6x. XXXX is failing to provide who is exclaiming my legit police report is not legit. He is failing to provide a name, a person, or a judgement, on the person who made the report. \n\nI keep hammering them what makes my unofficial police report an official report. XXXX doesnt understand the push back. I asked why do I need to be out on hold for him to look at a file. XXXX. Has stated he provided me the missing information, I then exclaimed no he did not, I then asked him once again, what about my police identity theft report was not official, he is forcing me to put me on hold to look at my information, when he can easily look at my info while Im not on hold. Refusing to tell me why he needs to put me on hold, when Im asking him why my document is not official, he continues to tell me I need to be put on hold, but refuses to tell me why he needs to put me on hold. XXXX says its to review my file, I then state back to XXXX, that you need to put me on hold to look at my file?, while you already pulled up my file in the beginning of the conversation. Habitually stating to me how he needs to put me on hold to look at my file while he already had it. \n\nXXXX is stating the police document I submitted is not an official document which is a lie, as proven by the documents Ive provided. XXXX is exclaiming the legitimate police report I provided from my id theft is not legit. \n\nBelow for the CFPB is my legitimate police report for Id theft.","date_sent_to_company":"2022-08-25T16:46:28.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"34120","tags":null,"has_narrative":true,"complaint_id":"5917967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2022-08-25T16:36:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["Additionally I asked XXXX to speak directly to the <em>dispute</em> team handling my <em>disputes</em>, in which he refused, <em>because</em> he said they didnt <em>have</em> a direct number, while he was directly communicating with the <em>dispute</em> team at XXXX on the phone, so that was another lie."]},"sort":[10.96199,"5917967"]},{"_index":"complaint-public-v1","_id":"6781370","_score":10.890041,"_source":{"product":"Checking or savings account","complaint_what_happened":"In or around late XXXX early XX/XX/XXXX checking account with BOA garnished for around {$9000.00}. ( it was for almost {$4000.00} which was wrong anyhow all of it and BanK Of America hold onto XXXX amount of money ) I had a death in the family I was away and had another death in the family. I need to leave again I was very confused. I did not know it was a garnishment, and BOA treated me as though they didnt know me and they wouldnt give me any information. Finally, a woman by the name of XXXX left me a message and I have that message in full The details of this matter have haunted me since then, and since Im having so much trouble with Bank of America, I want to make an inquiry. XXXX said this company didnt give them any dates but held onto my money. This was during Covid. The banks were closed so I couldnt go into the bank and the courts were closed.. \n\nAt a certain point they told me because the people had filed paperwork incorrectly that I could do something to release the money they kept a hold on my money for many months I think, until after XXXX the company ended up taking out {$6000.00}. This is a company that said they served me and I never received being served. I didnt even live at the address on the date that they said that they served me. It was an issue with that landlord. There was a bunch of illegal things going on at that apartment they told me I wasnt a good match for the roommates there. It was many years in the past and during Covid they took advantage of the situation and did this weird garnishment and I have paperwork proving everything in any case Im reading about Bank of America on XX/XX/XXXX issuing consent order against BanK Of America for freezing peoples account and turning over Consumer funds to pay off court ordered that they found a Bank of America engaged and unfair and deceptive ask and practices in violation of the Consumer financial protection active XXXX specifically a Bank of America unfairly required consumers to wave. Its liability as to consumers garnishment related protections, and its deposits, agreements, misrepresent it to consumers that they could not go to court to attempt to prevent wrongful garnishment..im reading about Bank of America XXXX XX/XX/XXXX issuing consent order against BanK Of America for freezing peoples account and turning over consumer funds to pay off court ordered that they found that BanK Of America engaged and unfair and deceptive acts in practices in violation of the Consumer financial protection act of XXXX, specifically a bank, America unfairly required consumers to waive its liability as to consumers garnishment related protections in its deposits, agreements misrepresented to consumers that they could not go to court to attempt to prevent wrongful garnishment Also, my account had an SBA loan that is not allowed to be used to pay for personal debt. I also was told by an employee at the bank that the company turned in paperwork to them that was not complete wasnt filled out properly, and that was to my advantage but they did nothing to help me. I do intend on taking this up in court eventually to dispute this companys unlawful attempt to get money for me. Ultimately they were supposed to take {$3000.00} but they took over {$3000.00} more, including a fee that Bank of America took for handling this transactions for my adversary XX/XX/XXXX Had a conversation with a woman by the name of XXXX from Bank of America I was told by the company that in the judgment against me BanK Of America was supposed to send me a check for {$3600.00} and I have this conversation recorded as well but BanK Of America never sent me that money theyre saying because I had money in my account they were not gon na send me {$3600.00} that I was told they were going to. \nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want this investigated to see if they follow the proper protocol and see if they robbed me because Im seeing that Bank Of America was sued for this on XX/XX/XXXX of XXXX docket number XXXX CFPB XXXX Post order/post judgment. The consent order requires Bank of America to refund at least & XXXX. Or cancel Associated unlawful garnishment related fees and pay a {$10.00} XXXX civil money penalty. The order also requires Bank of America to review and reform its systems for processing ornament garnishments I was garnished before this date so I have a funny feeling in a sneaky suspicion. They did This incorrectly, and possibly illegally I dont believe BanK Of America sent me any information. I could be wrong, but I didnt receive any information. They wouldnt tell me what this thing was. They held onto my money for many many many months, and far more money than his company said they were going to take was taken. I really couldnt find it because I could not go to court during that time BanK Of America has done many many wrong things a lot of things to put me in a lot of problems. I dont trust him at all and now that I ran into this information I want to see if they handled what happened to me correctly because Im haunted by that amount of money being able to take away from me and not even the amount that the company said they were going to take that it happened at all and that Bank of America took of Fee and also the money I was told they were supposed to give me a {$3600.00} never happened.","date_sent_to_company":"2023-04-01T00:09:19.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"11212","tags":null,"has_narrative":true,"complaint_id":"6781370","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-03-31T23:27:05.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Finally, a woman by the name of XXXX left me a message and I <em>have</em> that message in full The details of this matter <em>have</em> haunted me since then, and since Im <em>having</em> so much <em>trouble</em> with Bank of America, I want to make an inquiry. XXXX said this company didnt give them any dates but held onto my money. This was <em>during</em> Covid. The banks were closed so I couldnt go into the bank and the courts were closed.."]},"sort":[10.890041,"6781370"]},{"_index":"complaint-public-v1","_id":"5965031","_score":10.701442,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello, In 2014, when my father passed, away, Bank of America incorrectly marked me as deceased. In addition to the emotional distress, their mistake created problems and delays when trying to plan and pay for my father 's funeral. It took repeated phone calls to get my account reactivated, and during the process I felt disrespected, mistreated, and misled. After numerous complaints, when I said I was planning to close my account, a member of the customer care team told me I would be granted permanent preferred client status as a resolution and compensation for the mistake and the emotional trouble. I only kept my account open with Bank of America for this reason. Now, eight years later, I've learned that this offer was, apparently, a lie, and not something the institution should have ever offered me. This is deceitful and means that Bank of America benefited from my accounts under false pretenses. \n\nBelow, I'm sharing a complaint I submitted yesterday to the head of the bank 's client care team. Today, someone from that team called to apologize for the deception, which, frankly, is simply not enough accountability for their actions. \n\nI plan to finally close my account at Bank of America, as I intended to do and should have done years ago. I'm not sure what the CFPB can do here, but I want to pursue all options to ensure that Bank of America is accountable for its mistakes and, hopefully, learns to treat it's clients with more dignity and respect that they have shown me. \n\nSincerely, XXXX XXXX XXXX Dear XXXX XXXX, I'm writing to you in frustration related to an incident that has, apparently, not been resolved since 2014. If this dispute is not resolved expeditiously, I will be closing my account ( which I've held since I was a child ) and will submit complaints to the XXXX XXXX XXXX  as well as to the Consumer Financial Protection Bureau. \n\nAs you'll see in the message I've pasted for reference below, after my father died, Bank of America made an error and marked me as deceased. I understand mistakes happen, but I had to make numerous phone calls to have this corrected. Having to repeatedly explain to strangers that my father has died caused me additional and unneeded distress while I was grieving, and it was unconscionable that the error was not fixed immediately. \n\nAfter repeated complaints, throughout which I felt mistreated and disrespected, I spoke with yet another Bank of America supervisor on the phone and told them I was going to close my account and end my relationship with the institution because of how I was treated. They proposed that if I kept my account open, as a resolution they would assign my account permanent prefered platinum statuswhich I recall because they explained it meant waived ATM fees. This is the only reason I didn't leave Bank of America years ago. \n\nI have recently discovered that this was a false promise. Apparently, there is nothing listed in my account to that effect and that this resolution should not have even been offered to me in the first place because it could not have been honored. As such, the dispute about this disturbing mistake, the lack of accountability in correcting it, and the disrespect I felt from Bank of America remains unresolved. Furthermore, I have kept my account open and in good standing with Bank of Americaallowing your institution to benefit from my business ( however small it may be in the large scheme of things ) on what amounts to a lie. \n\nWhen I learned that Bank of America 's offer of permanent preferred status was made in bad faith, I spoke with a representative who told me that a client care team member would contact me within five to eight business days. It has now been two weeks. Today, a Bank of America customer service supervisor suggested I write to you directly. \n\nPerhaps I should know better by now, but I'm shocked that I've been so poorly mistreated and misled by Bank of America. When I was grieving my father 's death, having to explain the situation to so many Bank of America employees was deeply distressing, and I can not believe I'm still having this same conversation and dealing with more failures of accountability years later. \n\nI hope to hear from you with a proper resolution soon. \n\nSincerely, XXXX XXXX EMAIL FROM XX/XX/2014 Last week my father, XXXX XXXX XXXX, passed away. Obviously, this loss was devastating, but Bank of America contributed to my distress by mistakenly listing me as \" deceased '' instead of my father. This kind of error is unforgivable, but it should, at the very least, be taken seriously and corrected immediately. \nOn Saturday, XX/XX/XXXX, I called Bank of America to make a transfer from my father 's trust ( an account on which I am listed as a trustee ) in order to cover his outstanding medical and funeral expenses. The representative I spoke with cavalierly informed me that my request could not be processed because I was apparently deceased. Not only was he unapologetic and insufficiently sympathetic, he did nothing to fix this utterly egregious mistake. He offered to transfer me to a manager, but as I was preoccupied with matters pertaining to my father 's death ( not to mention, grieving with my family ), I was not in a position to stay on hold. I asked that a manager call me back, which he assured me they would. I have yet to receive any such phone call. \nOn Tuesday, XX/XX/XXXX, upon discovering my checking and saving accounts were on hold and registered balances of {$0.00}, I emailed my branch manager, XXXX XXXX ( whom my family has used and trusted for years ), to alert him of this issue. He phoned me immediately to apologize and assured me he would correct the mistake and subsequently removed the holds from my accounts. \nOn Thursday, XX/XX/XXXX, I received an email from Bank of America saying \" Bank of America Credit Card has canceled your e-Bill service. '' I immediately phoned customer service, where I was transferred 4 times over the course of an hour to apparently resolve this issue with your estate department. \nToday, I received an email from a separate financial institution saying that an automated and regularly occurring transfer from my Bank of America account could not be completed. \nI am absolutely disgusted by Bank of America 's incompetence, lack of respect, and shameful mishandling of this matter. That I should have to repeatedly explain that I am not deceased while mourning for my father is inexcusable. Furthermore, I am now concerned Bank of America 's false reporting of my death will continue to cause troubles in my records within your institution and elsewhere. It should come as little surprise that unless you can restore my trust in your institution, I may cancel my accounts with Bank of America as a direct result of this matter.","date_sent_to_company":"2022-09-09T20:20:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11372","tags":null,"has_narrative":true,"complaint_id":"5965031","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-09-09T20:03:44.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Apparently, there is nothing listed in my account to that effect and that this resolution should not <em>have</em> even been offered to me in the first place <em>because</em> it could not <em>have</em> been honored. As such, the <em>dispute</em> about this disturbing mistake, the lack of accountability in <em>correcting</em> it, and the disrespect I felt from Bank of America remains unresolved."]},"sort":[10.701442,"5965031"]},{"_index":"complaint-public-v1","_id":"3205486","_score":10.627776,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, my clients XXXX and XXXX XXXX became aware via their XXXX Credit Report Alert that EOS CCA ( A  collection agency ) was reporting a negative collection item on their credit profile. \nThe XXXX ( s ) immediately contacted my office, their Business Management CPA Firm, asking us to follow-up. \n\nThe client informed me that they had already done some preliminary research that included a telephone call to XXXX XXXX ( previously XXXX ). The client was informed by a XXXX XXXX representative that there was in fact an account opened under their previous company XXXX in the name of XXXX XXXX and was able to obtain the account number. \n\nObtaining the account number was important because the client did previously have a XXXX XXXX account ( XXXX XXXX XXXX XXXX ) that had been paid ( was an auto pay account ) in full and closed. \nWhen the client contacted XXXX XXXX they were initially told that the account was opened in XX/XX/XXXX and was closed by XXXX XXXX last month ( XX/XX/XXXX ) for non-payment. The representative reported to the client that there had never been a payment on the account since it was opened in XX/XX/XXXX. This is very troubling because its uncommon for a monthly utility service who will typically discontinue service and close accounts within a couple of months for non-payment. \n\nSecondly, during this time the client did have an active and valid account with XXXX XXXX which was the account XXXX XXXX XXXX XXXX ( service address XXXX XXXX XXXX XXXX , XXXX XXXX, UT ) previously mentioned above. You would think that if a second account had been opened under the clients name that remained unpaid for 16 years, XXXX XXXX would have contacted the client since they did have his correct information on file from the account that remained in good standing. \n\nNonetheless, because the valid account was for services related to a partnership venture the client was not 100 % sure that the account was/is fraud. We have checked with all of the bookkeepers involved from XX/XX/XXXX to date and there are no records of the XXXX account or payments being made to that account. And, if the client had ever received the invoice it would have been paid timely first and resolved later. They would not have allowed it to become a negative reporting on their credit profile. Unfortunately, they were not made aware of this erroneous account as they dont live or do business at the service address in question. \n\nUpon the client forwarding their documentation to me to determine what was going on, I called EOS-CCA ( Collection Agency ) with the client on the line who authorized EOS-CCA to work directly with me to resolve the issue to and thru receiving payment from me if it was determined that it was in fact the clients account and responsibility. \n\nEOS-CCA didnt have any detailed information about the account, service address, who set it up, etc. They only had the date of set-up and the balance owed. \n\nMrs. XXXX ( the client ) called XXXX XXXX several times to no avail at which point I took over calling XXXX XXXX. I engaged in conversation with a representative who told me that the service address for the service provided was XXXX XXXX XXXX XXXX, XXXX, CA. She also confirmed that the service address was also the billing address. When I tried to obtain additional information about the account in terms of who set it up, I was asked to verify the account by answering the security questions. \nBecause neither my client nor I set-up the account, we couldnt verify the account or answer the security questions. \n\nThe representative helped me as much as she could while stressing that I should contact the Dispute Department of XXXX XXXX assuring me that they would be able to provide me additional information and potentially finding resolution to account XXXX originally opened by XXXX. \n\nDuring the conversation, I was also able to ascertain, contrary to what was initially reported to Mrs. XXXX, that payment had been made on the account from XX/XX/XXXX up until XX/XX/XXXX or XX/XX/XXXX.  The representative also told me a final notice was mailed to the XXXX XXXX XXXX XXXX address prior to action being taken. I believe she said before action was taken as opposed to services discontinued. \n\nMy client, XXXX XXXX, is fully willing to pay the {$390.00} owed if this is in fact his account and responsibility. \n\nBecause Mr. XXXX has no knowledge of the existence of this account and can confirm that he never approved service being opened at the service address reported, he is requesting that the negative credit reporting be removed from his credit profile immediately. \n\nSubmitted by XXXX XXXX and XXXX XXXX ( Accountant )","date_sent_to_company":"2019-04-08T21:44:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90024","tags":null,"has_narrative":true,"complaint_id":"3205486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EOS Holdings, Inc.","date_received":"2019-04-08T21:28:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This is very <em>troubling</em> <em>because</em> its uncommon for a monthly utility service who will typically discontinue service and close accounts within a couple of months for non-payment. \n\nSecondly, <em>during</em> this time the client did <em>have</em> an active and valid account with XXXX XXXX which was the account XXXX XXXX XXXX XXXX ( service address XXXX XXXX XXXX XXXX , XXXX XXXX, UT ) previously mentioned above."]},"sort":[10.627776,"3205486"]},{"_index":"complaint-public-v1","_id":"14989433","_score":10.61855,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because multiple inaccuracies have been reported on my credit file with Equifax, and despite previous attempts to have them corrected, these items remain unresolved. \n\nFirst, I have noticed an incorrect address listed on my credit file XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX. I have never lived at this location, and I have already provided the necessary documentation to verify my actual address history. It is extremely concerning that outdated or inaccurate address information continues to be reported. \n\nAdditionally, several accounts are showing late payments that are either inaccurate or unsubstantiated. These include : XXXXXXXX XXXX XXXXXXXX ( Account # XXXX ), which is reporting late payments despite my consistent payment record. \n\nXXXX XXXX XXXX ( Account # XXXX ), showing a late payment, though I had made an arrangement with them during a financial hardship. \n\nXXXX XXXX XXXX XXXX ( Account # XXXX ) is also reporting a delinquency, which I have disputed due to inconsistent billing practices on their end. \n\nXXXX ( Account # XXXX ), Armed Forces Bank ( Account XXXX XXXX ), XXXX  ( Account # XXXX ) XXXX and XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all show late payments or derogatory marks that are either inaccurate or were caused by errors in billing cycles or unexpected auto-debit issues. \n\nOne of the most troubling entries is the XXXX XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is being reported as a collection with a balance of {$4200.00}. I was never informed of this going into collections, and I believe this is a serious reporting error. \n\nLastly, there are multiple unauthorized hard inquiries on my credit report, including those from XXXX ( XX/XX/year> and XX/XX/year> ), XXXX ( XX/XX/year> ), and XXXX XXXX XXXX ( XX/XX/year> ). I did not apply for credit with these institutions, nor did I authorize them to access my credit file. \n\nUnder the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 611, I have the right to a credit report that is fair, accurate, and substantiated. Equifax has failed to ensure the maximum possible accuracy of the data they are reporting. These errors are harming my credit score, causing me financial stress, and impeding my ability to secure fair financing and housing. \n\nI am requesting the CFPB to investigate this matter thoroughly. I would like these incorrect addresses, erroneous late payments, unauthorized inquiries, and false collection account to be deleted from my credit report. Additionally, I would appreciate a written confirmation once the inaccuracies have been resolved. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-08-01T00:59:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"207XX","tags":null,"has_narrative":true,"complaint_id":"14989433","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-01T00:54:24.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am submitting this complaint <em>because</em> multiple inaccuracies <em>have</em> been reported on my credit file with Equifax, and despite previous attempts to <em>have</em> them <em>corrected</em>, these items remain unresolved. \n\nFirst, I <em>have</em> noticed an incorrect address listed on my credit file XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX. I <em>have</em> never lived at this location, and I <em>have</em> already provided the necessary documentation to verify my actual address history."]},"sort":[10.61855,"14989433"]},{"_index":"complaint-public-v1","_id":"14948930","_score":10.55841,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion because my credit report contains a large number of inaccurate, outdated, and unverifiable accounts that are severely damaging my credit profile and overall financial well-being. I have already sent a formal dispute letter to TransUnion as part of my second round of disputes, and instead of correcting the information or removing the unverifiable items, they have continued reporting these harmful entries without any meaningful investigation. \n\nThere are two addresses on my report XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX, SC XXXX that I have never lived at or used for any purpose. These addresses are completely incorrect and suggest a possible case of mixed or mistaken identity. Despite notifying TransUnion, they remain on my credit file. \n\nI also have multiple accounts showing late payments and charge-offs that are either extremely outdated or completely inaccurate. For example, a XXXX XXXX account ( opened on XX/XX/XXXX with a balance of {$460.00} ) is showing as a charge-off, even though I had attempted to work out a resolution with the creditor and was not notified of any formal charge-off. Another account from XXXX XXXX XXXX ( opened XX/XX/XXXX with a balance of {$270.00} ) is reflecting a late payment, but I was never properly billed or alerted I only found out after reviewing my credit report. \n\nThe most troubling part is the long list of student loan accounts from XXXX XXXX and XXXX, many of which were opened between XXXX and XXXX and have long since been closed with {$0.00} balances. These accounts still reflect late payments, even though they are far older than the XXXX reporting limit allowed under the Fair Credit Reporting Act. This includes several entries dating back as far as XXXX, which should have been removed years ago but are still being used against me. \n\nThere are also multiple Department of Education loans that are reported as charge-offs, all opened in XX/XX/XXXX. The balances range from a few XXXX to over {$40000.00}. These accounts should have been updated to reflect deferment or forbearance status due to the federal loan pause and other relief programs, but instead they are all being listed as charged-off debts. This is not only misleading, but also a misrepresentation of the actual loan status, especially for federal student loans that were paused during the pandemic. \n\nOn top of that, there are several collection accounts that I have never been notified about or validated such as those from XXXX, XXXX XXXX, XXXX XXXX, and XXXX. For example, XXXX XXXX has two separate collections ( opened in XX/XX/XXXX ) with different balances but no explanation of the origin of either debt. XXXX XXXX has reported the same account twice, with different balances and different open dates once in XX/XX/XXXX and again in XX/XX/XXXX which seems like duplicate reporting. \n\nFinally, I noticed multiple hard inquiries that I never authorized, including ones from XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXX  XX/XX/XXXX ), and XXXX  XXXX ( XX/XX/XXXX ). I did not apply for credit with any of these companies during those times. These inquiries were made without my consent or knowledge and have contributed to lowering my credit score unfairly.\n\nI have tried to resolve this directly with TransUnion by providing clear evidence and requesting reinvestigation. Unfortunately, they have failed to correct these errors or to provide me with any proof that these items are accurate or valid. Their continued failure to ensure accurate reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This inaccurate information is not only unfair its making it harder for me to qualify for housing, employment, and even insurance. \n\nI am asking the Consumer Financial Protection Bureau to intervene and hold TransUnion accountable. I want all unverifiable, inaccurate, outdated, or misleading items removed from my report immediately, and I want an updated credit report issued once that has been done. I am also asking that the unauthorized inquiries be deleted, and that all reporting be brought into full compliance with federal law.","date_sent_to_company":"2025-07-29T21:00:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29405","tags":null,"has_narrative":true,"complaint_id":"14948930","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-29T19:17:45.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing this complaint against TransUnion <em>because</em> my credit report contains a large number of inaccurate, outdated, and unverifiable accounts that are severely damaging my credit profile and overall financial well-being. I <em>have</em> already sent a formal <em>dispute</em> letter to TransUnion as part of my second round of <em>disputes</em>, and instead of <em>correcting</em> the information or removing the unverifiable items, they <em>have</em> continued reporting these harmful entries without any meaningful investigation."]},"sort":[10.55841,"14948930"]},{"_index":"complaint-public-v1","_id":"5742020","_score":10.495552,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been extremely hard at work getting my credit scores up. For some reason, the only credit score I have that is not reflecting positive changes is my Experian score. It has not moved a single point in a positive direction all year. Where as my XXXX score has gone up 80+ points and my XXXX has gone up 65+ points since the beginning of this year. I am desperate to improve all three of my scores, as I am buying a home, and a better score will afford me a better interest rate, which is something I need as a XXXX mother of XXXX, in order to afford to move forward. My XXXX score is nearly 700, and my XXXX score is well over 650. I feel as though someone is not doing their job, or perhaps an entire department is lacking for the credit reporting agency I am referencing, Experian. \n\nOne of my credit cards is still not reflecting on my Experian report, which may be a factor as to why my score has not improved or moved at all. I have called and reported this issue to both my credit card company which assured me the information has been transmitted to all 3 agencies every month. I called Experian customer service on three separate occasions to resolve this, but they were no help and blamed it on my credit card company. I was told and I qoute \" There is nothing I can do to help you, call XXXX XXXX ''. XXXX XXXX stated they sent the correspondence to Experian at the initiation of my account. The other two agencies both XXXX and XXXX have corrected all errors, and include each one of my cards. They have deleted most inaccurate information and my scores went up significantly. \n\nXXXX XXXX instructed me to send them a letter so they could reach out to Experian, I did so over 60 days ago and have heard absolutely nothing back from Experian. I need my Experian score to go up. I can not understand why it has not. Especially because there is such a large discrepancy between the other two credit reporting agencies. Currently my Experian score is XXXX, and my XXXX score for example is XXXX. Typically I would assume, there are not such large differences in the scores. \n\nExperian company claimed that they sent me correspondence regarding an initial complaint I filed in reference to disputed items on my credit report that are fraudulent, inaccurate or otherwise outdated. I did not receive summaries of the disputed items that were removed, or those that the company claims should legitimately remain, as Experian stated, although, I still dispute that. I do not believe their investigation was thorough enough, as I still believe the information on my file that still stands is outdated, inaccurate, or straight up fraudulently reported by the agency of collection itself. It is my intention to seek retribution for any and all trouble these continued issues have and will cause me in the near future during my homebuying experience. \n\nAs a XXXX mother to XXXX children, it is of the utmost importance credit agencies report accurate information that has not otherwise been tampered with by collections agencies or even worse yet, original creditors. It goes beyond a simple inconvenience. A credit score now a days, can determine ones livelihood. Especially in today 's world, where anything of value, like a home or car is not obtainable through an outright purchase for most Americans. It must be financed. Credit determines not just eligibility, but also interest rates, which translates to cost of living for any individual. With this Agency holding onto false information, inaccurately reported information, information that is outdated ect, and my score not going up or moving at all, they are causing me direct and deliberate injury both financially and emotionally.","date_sent_to_company":"2022-07-06T15:46:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34748","tags":null,"has_narrative":true,"complaint_id":"5742020","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-06T15:46:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It is my intention to seek retribution for any and all <em>trouble</em> these continued <em>issues</em> <em>have</em> and will cause me in the near future <em>during</em> my homebuying experience. \n\nAs a XXXX mother to XXXX children, it is of the utmost importance credit agencies report accurate information that has not otherwise been tampered with by collections agencies or even worse yet, original creditors. It goes beyond a simple inconvenience. A credit score now a days, can determine ones livelihood."]},"sort":[10.495552,"5742020"]},{"_index":"complaint-public-v1","_id":"5742018","_score":10.495552,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been extremely hard at work getting my credit scores up. For some reason, the only credit score I have that is not reflecting positive changes is my Experian score. It has not moved a single point in a positive direction all year. Where as my XXXX score has gone up 80+ points and my XXXX has gone up 65+ points since the beginning of this year. I am desperate to improve all three of my scores, as I am buying a home, and a better score will afford me a better interest rate, which is something I need as a XXXX  mother of XXXX, in order to afford to move forward. My XXXX score is nearly 700, and my XXXX score is well over 650. I feel as though someone is not doing their job, or perhaps an entire department is lackin\n\ng for the credit reporting agency I am referencing, Experian. One of my credit cards is still not reflecting on my Experian repor\nt, which may be a factor as to why my score has not improved or moved at all. I have called and reported this issue to both my credit card company which assured me the information has been transmitted to all 3 agencies every month. I called Experian customer service on three separate occasions to resolve this, but they were no help and blamed it on my credit card company. I was told and I qoute \" There is nothing I can do to help you, call XXXX XXXX ''. XXXX XXXX  stated they sent the correspondence to Experian at the initiation of my account. The other two agencies both XXXX and XXXX have corrected all errors, and include each one of my cards. They have deleted most inaccurate information and my scores went up significantly. \n\nXXXX XXXX instructed me to send them a letter so they could reach out to Experian, I did so over 60 days ago and have heard absolutely nothing back from Experian. I need my Experian score to go up. I can not understand why it has not. Especially because there is such a large discrepancy between the other two credit reporting agencies. Currently my Experian score is XXXX, and my XXXX score for example is XXXX. Typically I would assume, there are not such large differences in the scores. \n\nExperian company claimed that they sent me correspondence regarding an initial complaint I filed in reference to disputed items on my credit report that are fraudulent, inaccurate or otherwise outdated. I did not receive summaries of the disputed items that were removed, or those that the company claims should legitimately remain, as Experian stated, although, I still dispute that. I do not believe their investigation was thorough enough, as I still believe the information on my file that still stands is outdated, inaccurate, or straight up fraudulently reported by the agency of collection itself. It is my intention to seek retribution for any and all trouble these continued issues have and will cause me in the near future during my homebuying experience. \n\nAs a XXXX mother to XXXX children, it is of the utmost importance credit agencies report accurate information that has not otherwise been tampered with by collections agencies or even worse yet, original creditors. It goes beyond a simple inconvenience. A credit score now a days, can determine ones livelihood. Especially in today 's world, where anything of value, like a home or car is not obtainable through an outright purchase for most Americans. It must be financed. Credit determines not just eligibility, but also interest rates, which translates to cost of living for any individual. With this Agency holding onto false information, inaccurately reported information, information that is outdated ect, and my score not going up or moving at all, they are causing me direct and deliberate injury both financially and emotionally.","date_sent_to_company":"2022-07-06T15:46:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34748","tags":null,"has_narrative":true,"complaint_id":"5742018","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-06T15:46:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It is my intention to seek retribution for any and all <em>trouble</em> these continued <em>issues</em> <em>have</em> and will cause me in the near future <em>during</em> my homebuying experience. \n\nAs a XXXX mother to XXXX children, it is of the utmost importance credit agencies report accurate information that has not otherwise been tampered with by collections agencies or even worse yet, original creditors. It goes beyond a simple inconvenience. A credit score now a days, can determine ones livelihood."]},"sort":[10.495552,"5742018"]},{"_index":"complaint-public-v1","_id":"5741947","_score":10.495552,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been extremely hard at work getting my credit scores up. For some reason, the only credit score I have that is not reflecting positive changes is my Experian score. It has not moved a single point in a positive direction all year. Where as my XXXX score has gone up 80+ points and my XXXX has gone up 65+ points since the beginning of this year. I am desperate to improve all three of my scores, as I am buying a home, and a better score will afford me a better interest rate, which is something I need as a XXXX mother of XXXX, in order to afford to move forward. My XXXX score is nearly 700, and my XXXX score is well over 650. I feel as though someone is not doing their job, or perhaps an entire department is lacking for the credit reporting agency I am referencing, Experian. \n\nOne of my credit cards is still not reflecting on my Experian report, which may be a factor as to why my score has not improved or moved at all. I have called and reported this issue to both my credit card company which assured me the information has been transmitted to all 3 agencies every month. I called Experian customer service on three separate occasions to resolve this, but they were no help and blamed it on my credit card company. I was told and I qoute \" There is nothing I can do to help you, call XXXX XXXX ''. XXXX XXXX  stated they sent the correspondence to Experian at the initiation of my account. The other two agencies both XXXX and XXXX have corrected all errors, and include each one of my cards. They have deleted most inaccurate information and my scores went up significantly. \n\nXXXX XXXX instructed me to send them a letter so they could reach out to Experian, I did so over 60 days ago and have heard absolutely nothing back from Experian. I need my Experian score to go up. I can not understand why it has not. Especially because there is such a large discrepancy between the other two credit reporting agencies. Currently my Experian score is XXXX, and my XXXX score for example is XXXX. Typically I would assume, there are not such large differences in the scores. \n\nExperian company claimed that they sent me correspondence regarding an initial complaint I filed in reference to disputed items on my credit report that are fraudulent, inaccurate or otherwise outdated. I did not receive summaries of the disputed items that were removed, or those that the company claims should legitimately remain, as Experian stated, although, I still dispute that. I do not believe their investigation was thorough enough, as I still believe the information on my file that still stands is outdated, inaccurate, or straight up fraudulently reported by the agency of collection itself. It is my intention to seek retribution for any and all trouble these continued issues have and will cause me in the near future during my homebuying experience. \n\nAs a XXXX mother to XXXX children, it is of the utmost importance credit agencies report accurate information that has not otherwise been tampered with by collections agencies or even worse yet, original creditors. It goes beyond a simple inconvenience. A credit score now a days, can determine ones livelihood. Especially in today 's world, where anything of value, like a home or car is not obtainable through an outright purchase for most Americans. It must be financed. Credit determines not just eligibility, but also interest rates, which translates to cost of living for any individual. With this Agency holding onto false information, inaccurately reported information, information that is outdated ect, and my score not going up or moving at all, they are causing me direct and deliberate injury both financially and emotionally.","date_sent_to_company":"2022-07-06T15:46:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34748","tags":null,"has_narrative":true,"complaint_id":"5741947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-06T15:21:12.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It is my intention to seek retribution for any and all <em>trouble</em> these continued <em>issues</em> <em>have</em> and will cause me in the near future <em>during</em> my homebuying experience. \n\nAs a XXXX mother to XXXX children, it is of the utmost importance credit agencies report accurate information that has not otherwise been tampered with by collections agencies or even worse yet, original creditors. It goes beyond a simple inconvenience. A credit score now a days, can determine ones livelihood."]},"sort":[10.495552,"5741947"]},{"_index":"complaint-public-v1","_id":"8346885","_score":10.472239,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2024, I initiated a dispute through the online app for Chime XXXX XXXX XXXX XXXX of which I am a cardholder. The amount in dispute was made in good faith by me the consumer and I followed the Fair Credit Billing Act and Chime 's procedures for my matter to be considered. Chime, whom I at one point held in high esteem, systematically exposed inadequacy, flagrant disregard for federal law, abhorrent customer service and finally provided no solution to their dishonesty and lackluster electronic system procedures. I digress. The amount in dispute totals {$950.00}. The transaction amount put my account into a negative \" owing '' balance ( somewhere around XXXX dollars ). I thought this was odd, as I believed that the amount in dispute would be held from a formal debit against me, albeit a reduction in available credit was in order, a collectable debit against my account was instituted instead. I was provided with no recourse other than to wait for the passing of \" up to 90 days '' for the dispute to be investigated. Allow me to dive into the even more troubling issues that unfolded. I have both a Checking and a Credit Card account. I have my wages deposited into the Checking which is distinctly separate from the Credit Account. Since the day of the dispute, Chime has collected each and every deposit I have had made into my Checking Account and transferred them without any authorization to the Credit Account to satisfy this negative balance. So the visual of this plays out like this : Money enters Checking, Automatic Transfer to Credit Account, Amount of TransfXXXX is not quite sufficient to cover total amount in the negative, I am left with XXXX balance in Checking account and yet still ( although declining! ) negative balance in Credit Account. \nWhat did I do about it? I called Chime, 7 times to be exact. I called on the XXXX of XXXX, the XXXX, the XXXX, the XXXX, the XXXX and XXXX. Each time I called I ended up on the phone with first XXXX. A customer service agent whom after I declare my issue promptly transfers me to : XXXX. A supervisor who promising me they will escalate the issue tells me that they can not do anything further that this is an issue the : XXXX. Dispute agent handles whom quite frankly tells me the exact same thing they have on a teleprompter : disputes take 90 days ... so on an so forth. Fearing no resolution to offer, I am promptly transferred back to XXXX. A customer service agent who at this point has completely inverted and jumbled my issue. Akin to the '' telephone game '' my initial question has morphed into a request for a release of Authorization hold on a distinctly separate transaction which I AM NOT DISPUTING and sends me back to : XXXX. A supervisor who begins the call with the complete wrong issue. And so it goes... \nChime is collecting on a purchase I have in dispute, defiantly ignoring that payment of such amount is not required pending the creditor 's compliance with XXXX. \nFurthermore Chime is also practicing Unfair Trade. When applying all Tests set forth by the Federal Trade Commission Act, I have been victimized on another issue. Chime offers customers a \" temporary credit '' for active disputes. This is to say they replace the funds that you have in dispute for your use while they investigate. These are temporary because if you lose the dispute, they will recoup those funds. According to Chime 's website, the email a representative sent me and of course the real world result, Chime does not provided a temporary credit to Credit Accounts, citing Regulation Z as their foothold. Instead they offer a statement credit to be applied on the next billing cycle. \n\nI rebuke this understanding and explanation. On each and every Credit Builder Card Statement that I receive directly from Chime each and every month the following statement is made on the notice : Error Resolution Procedures In case of errors or questions about your electronic transactions, call XXXX, write to Chime Member Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, or email us at XXXX as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. \nWe must hear from you no later than 60 days after we sent the XXXX statement on which the problem or error appeared. \nXXXX. Tell us your name and account number ( if any ). \nXXXX. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. \nXXXX. Tell us the dollar amount of the suspected error. \nWe will investigate your complaint and will correct any error promptly. \nIf we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. \n\nAccording to the statement above, I should have received a credit for the amount in error and have had the use of said funds while Chime completes their investigation. ( WE are well past 10 days ). \nInstead of honoring their practices/statements/commitements and the law, I have been made a fool to them. I have had my accounts placed in the negative and incoming deposits garnished by Chime leaving me completely broke. And the most endearing part is the customer service team that has consistently offered the following assistance : Thanks for Chiming in! That's all I have. Please reach out to me with any questions. Thank you.","date_sent_to_company":"2024-02-14T10:19:18.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"34232","tags":null,"has_narrative":true,"complaint_id":"8346885","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-02-14T09:11:01.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Allow me to dive into the even more <em>troubling</em> <em>issues</em> that unfolded. I <em>have</em> both a Checking and a Credit Card account. I <em>have</em> my wages deposited into the Checking which is distinctly separate from the Credit Account. Since the day of the <em>dispute</em>, Chime has collected each and every deposit I <em>have</em> had made into my Checking Account and transferred them without any authorization to the Credit Account to satisfy this negative balance."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[10.472239,"8346885"]},{"_index":"complaint-public-v1","_id":"5063296","_score":10.424312,"_source":{"product":"Debt collection","complaint_what_happened":"My issue is with \" XXXX XXXX  '' property management. And is under collection from the FABCO collection agency. I lived in a rental unit XXXX XXXX XXXX XXXX XXXX, Ohio XXXX that they managed, from XXXX XXXX to XXXX XXXX. During this time I lived in sub-standard conditions. I gave my 30-day notice in XXXX XXXX. XXXX kept my entire security deposit and tried to extort from me an additional {$520.00} for what they call damages, but are generally considered tenant changeover expenses. The few valid expenses they charged me could have been easily covered by the security deposit with some leftover. The additional charges were 1 ) \" cleaning the cabinets '' the reason the cabinets needed cleaning so badly is that, when I tried to wash them, the paint just peeled off of them. This happened because they were painted with oil-based paint originally then coated over with latex paint that I believe was flat texture but they insist it was eggshell. That doesn't matter. ANY latex will not stick to oil paint! This is commonly known and easily verified. So my attempts at washing them only made them look worse as the paint peeled away. 2 ) \" replacing the carpet '' I lived there for over four years. Rental unit carpet is expected to last a maximum of 5 years. And is generally changed between tenants. The landlord tried to tell me it was a 10-year carpet. But when I asked, they never produced any proof of this. Though they said they would. I have email correspondence showing this. 3 ) \" damages to the bathroom where a leak under the toilet went unrepaired. '' ( via email ) It was their claim that I never reported this. But I have proof on my phone that not only did I call maintenance but they also called me back, confirming the appointment. When he arrived he tightened the packing nut and only slowed the leak. Furthermore, my Son was there and can verify that not only did the maintenance man not complete the repair, He told me he would finish it correctly after I move out. As \" it would be easier then '' I have phone records of these calls, though XXXX denied them. 4 ) \" Damages to the wall under the air conditioner. This is a valid charge as the air conditioner condensation apparently damaged the wall. \n\" In the email correspondence XXXX Supervisor XXXX XXXX told me she would work the problems out with me in a couple of days, but never got back to me. She also said she was willing to go to court so I could prove the charges were not valid. I never got that chance. Instead, she turned it over to a collection agency, FABCO, that has no knowledge of the circumstances. In an attempt to ruin my good credit. I tried to dispute this through XXXX, but they only call FABCO to check that the data is correct. But not if the charges are valid. If I had actually owed the money they are trying to extort from me, I would have paid this off long ago. But it is not right for a company to trump up charges to get the former tenant to pay for things that should be their responsibility! I can forward all email correspondences and phone records as needed. I have not contacted the collection agency about this directly because I was told any communication with them extends the length of time they can besmirch my credit. I do not know where to turn to get these false charges off of my record and repair my good standing with the credit bureau. I hope you can help me or direct me to someone that can. Thank you for your time and trouble. XXXX. XXXX XXXX","date_sent_to_company":"2022-01-03T10:56:35.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"44601","tags":null,"has_narrative":true,"complaint_id":"5063296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Federal Adjustment Bureau, Inc.","date_received":"2022-01-03T09:21:07.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I <em>have</em> not contacted the collection agency about this directly <em>because</em> I was told any communication with them extends the length of time they can besmirch my credit. I do not know where to turn to get these false charges off of my record and repair my good standing with the credit bureau. I hope you can help me or direct me to someone that can. Thank you for your time and <em>trouble</em>. XXXX. XXXX XXXX"]},"sort":[10.424312,"5063296"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":91,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":91}]}},"product":{"doc_count":91,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":16},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Mortgage","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":5},{"key":"FHA mortgage","doc_count":4},{"key":"VA mortgage","doc_count":2},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1},{"key":"Other type of mortgage","doc_count":1},{"key":"Reverse mortgage","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":13}]}},{"key":"Credit card or prepaid card","doc_count":12,"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":9},{"key":"General-purpose prepaid card","doc_count":2},{"key":"Government benefit card","doc_count":1}]}},{"key":"Debt collection","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":4},{"key":"Credit card debt","doc_count":2},{"key":"Other debt","doc_count":2},{"key":"Auto debt","doc_count":1},{"key":"Medical","doc_count":1}]}},{"key":"Checking or savings account","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":8},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Credit card","doc_count":4,"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":"Money transfer, virtual currency, or money service","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Virtual currency","doc_count":3},{"key":"International money transfer","doc_count":1}]}},{"key":"Student loan","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":2},{"key":"Private student loan","doc_count":2}]}},{"key":"Vehicle loan or lease","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":2}]}},{"key":"Consumer Loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle loan","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}}]}},"issue":{"doc_count":91,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":7},{"key":"Account status incorrect","doc_count":2},{"key":"Account information incorrect","doc_count":1},{"key":"Information is incorrect","doc_count":1},{"key":"Personal information incorrect","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":7},{"key":"Investigation took more than 30 days","doc_count":2},{"key":"Problem with personal statement of dispute","doc_count":2},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":9,"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 statement","doc_count":5},{"key":"Card was charged for something you did not purchase with the card","doc_count":3},{"key":"Overcharged for something you did purchase with the card","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":5},{"key":"Payment process","doc_count":2}]}},{"key":"Managing an account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":3},{"key":"Banking errors","doc_count":2},{"key":"Fee problem","doc_count":1},{"key":"Problem making or receiving payments","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":3},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":1},{"key":"Debt was paid","doc_count":1}]}},{"key":"Improper use of your report","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":5}]}},{"key":"False statements or representation","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":3}]}},{"key":"Fraud or scam","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2},{"key":"Investigation took more than 30 days","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with your lender or servicer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":1},{"key":"Trouble with how payments are being handled","doc_count":1}]}},{"key":"Problem when making payments","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":1}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive advertised or promotional terms","doc_count":1}]}},{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Funds not received from closed account","doc_count":1}]}},{"key":"Disclosure verification of debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Right to dispute notice not received","doc_count":1}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged too much interest","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1}]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem getting a card or closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble closing card","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":1}]}},{"key":"Problems at the end of the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with paying off the loan","doc_count":1}]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":1}]}},{"key":"Unexpected or other fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":91,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":90},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":91,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":65},{"key":"Closed with monetary relief","doc_count":13},{"key":"Closed with non-monetary relief","doc_count":13}]}},"submitted_via":{"doc_count":91,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":91}]}},"company":{"doc_count":91,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":12},{"key":"EQUIFAX, INC.","doc_count":6},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":5},{"key":"AMERICAN EXPRESS COMPANY","doc_count":4},{"key":"JPMORGAN CHASE & CO.","doc_count":4},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":4},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":3},{"key":"SLM CORPORATION","doc_count":3},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":2},{"key":"CITIBANK, N.A.","doc_count":2},{"key":"DISCOVER BANK","doc_count":2},{"key":"SYNCHRONY FINANCIAL","doc_count":2},{"key":"Shellpoint Partners, LLC","doc_count":2},{"key":"WELLS FARGO & COMPANY","doc_count":2},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"Block, Inc.","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"Brock & Scott, PLLC","doc_count":1},{"key":"Byrider Franchising, LLC","doc_count":1},{"key":"Chime Financial Inc","doc_count":1},{"key":"Conduent Incorporated","doc_count":1},{"key":"Continental Finance Company, LLC","doc_count":1},{"key":"Credit Corp Solutions Inc.","doc_count":1},{"key":"Data Mortgage Inc.","doc_count":1},{"key":"Dovenmuehle Mortgage, Inc.","doc_count":1},{"key":"EOS Holdings, Inc.","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"Fay Servicing, LLC","doc_count":1},{"key":"Federal Adjustment Bureau, Inc.","doc_count":1},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":1},{"key":"I.C. System, Inc.","doc_count":1},{"key":"MIDFIRST BANK","doc_count":1},{"key":"MOHELA","doc_count":1},{"key":"Maximus Federal Services, Inc.","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"OneMain Finance Corporation","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":1},{"key":"Ria Envia, LLC","doc_count":1},{"key":"Rithm Capital Corp.","doc_count":1},{"key":"Rocket Mortgage, LLC","doc_count":1},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"TENET HEALTHCARE CORPORATION","doc_count":1},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":1},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":1},{"key":"U.S. BANCORP","doc_count":1},{"key":"United PanAm Financial Corp.","doc_count":1}]}},"state":{"doc_count":91,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":10},{"key":"TX","doc_count":10},{"key":"MO","doc_count":9},{"key":"CA","doc_count":8},{"key":"GA","doc_count":6},{"key":"IN","doc_count":4},{"key":"MA","doc_count":4},{"key":"NY","doc_count":4},{"key":"SC","doc_count":4},{"key":"AZ","doc_count":3},{"key":"OH","doc_count":3},{"key":"VA","doc_count":3},{"key":"IL","doc_count":2},{"key":"MD","doc_count":2},{"key":"MI","doc_count":2},{"key":"MN","doc_count":2},{"key":"NC","doc_count":2},{"key":"NV","doc_count":2},{"key":"PA","doc_count":2},{"key":"TN","doc_count":2},{"key":"WI","doc_count":2},{"key":"CO","doc_count":1},{"key":"LA","doc_count":1},{"key":"NJ","doc_count":1},{"key":"OK","doc_count":1}]}},"company_public_response":{"doc_count":91,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":40},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":5}]}},"tags":{"doc_count":91,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":12},{"key":"Older American","doc_count":3}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[10.424312,"5063296"],"3":[8.173315,"5591821"],"4":[6.054661,"3004669"]}}}