{"took":80,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":280,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4907308","_score":21.663157,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had a dispute sent in with Total Visa XX/XX/2021 and also in XX/XX/2021 while in dispute of billing errors total Visa closed and restricted access to my account this is a violation of 15 USC 1666 ( d ) they can not close or restrict my account while in dispute and 15 USC 1666 ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error- Pursuant to regulations of the Bureau , a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. \n\n\nAnd for correspondening action to this violation 15 USC 1666 ( e ) states- Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.","date_sent_to_company":"2021-11-13T16:15:24.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"4907308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Total Card, Inc.","date_received":"2021-11-13T15:58:15.000Z","state":"LA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I had a <em>dispute</em> sent in with Total Visa XX/XX/2021 and also in XX/XX/2021 while in <em>dispute</em> of billing errors total Visa closed and restricted access to my <em>account</em> this is a violation of 15 USC 1666 ( d ) they can not <em>close</em> or <em>restrict</em> my <em>account</em> while in <em>dispute</em> and 15 USC 1666 ( d ) <em>Restricting</em> or <em>closing</em> by <em>creditor</em> of <em>account</em> regarded by obligor to contain a billing error- Pursuant to regulations of the Bureau , a <em>creditor</em> operating an open end consumer credit plan may not, prior to the sending"],"issue":["<em>Closing</em> your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[21.663157,"4907308"]},{"_index":"complaint-public-v1","_id":"3105320","_score":20.006199,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/2017 American Express sent me a letter stating they were closing my account. This letter was sent weeks after my account had already been closed, account restricted and reward points confiscated. Despite all this, I still had several billing errors under investigation prior to and after the improper closing of my account. Ignoring the fact American Express closed my accounts based off information they were made aware of several times was the result of identity theft, the accounts were still closed despite billing disputes still being active. With the accounts closed American Express began demanding immediate payment despite the remaining balance being due to billing errors which were under dispute. According to 1666.  Correction of billing errors prohibits a creditor from attempting to collect a debt under dispute, including sending billing statements unless the account has been closed. The statute further continues to state \" Restricting or closing by a creditor of account regarded by obligor as containing a billing error. Pursuant to regulations of the Board, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligor 's account the amount indicated to be in error. '' Yet, American Express vioalted this law and closed my account prior to providing any notice or fully investigating the billing disputes.","date_sent_to_company":"2018-12-19T07:46:22.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"78723","tags":null,"has_narrative":true,"complaint_id":"3105320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-12-19T07:33:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Correction of billing errors prohibits a <em>creditor</em> from attempting to collect a debt under <em>dispute</em>, including sending billing statements unless the <em>account</em> has been closed. The statute further continues to state \" <em>Restricting</em> or <em>closing</em> by a <em>creditor</em> of <em>account</em> regarded by obligor as containing a billing error."],"issue":["<em>Closing</em> your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[20.006199,"3105320"]},{"_index":"complaint-public-v1","_id":"8123353","_score":18.494085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX restricted and closed my account prior to resolving a billing error dispute in violation of 15 U.S. Code 1666d. This dispute is currently active in arbitration Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error.\n\nAccording 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\nPursuant to 15U.S. Code 1681 ( c ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years","date_sent_to_company":"2024-01-08T22:17:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19151","tags":null,"has_narrative":true,"complaint_id":"8123353","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-08T22:17:54.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>dispute</em> is currently active in arbitration <em>Restricting</em> or <em>closing</em> by <em>creditor</em> of <em>account</em> regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a <em>creditor</em> operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), <em>restrict</em> or <em>close</em> an <em>account</em> with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such <em>account</em> to contain a billing"]},"sort":[18.494085,"8123353"]},{"_index":"complaint-public-v1","_id":"8123352","_score":18.494085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX restricted and closed my account prior to resolving a billing error dispute in violation of 15 U.S. Code 1666d. This dispute is currently active in arbitration Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error.\n\nAccording 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\nPursuant to 15U.S. Code 1681 ( c ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years","date_sent_to_company":"2024-01-08T22:17:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19151","tags":null,"has_narrative":true,"complaint_id":"8123352","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-08T22:17:54.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>dispute</em> is currently active in arbitration <em>Restricting</em> or <em>closing</em> by <em>creditor</em> of <em>account</em> regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a <em>creditor</em> operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), <em>restrict</em> or <em>close</em> an <em>account</em> with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such <em>account</em> to contain a billing"]},"sort":[18.494085,"8123352"]},{"_index":"complaint-public-v1","_id":"8123314","_score":18.473877,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"American Express restricted and closed my account prior to resolving a billing error dispute in violation of 15 U.S. Code 1666d. This dispute is currently active in arbitration Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error.\n\nAccording 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\nPursuant to 15U.S. Code 1681 ( c ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years","date_sent_to_company":"2024-01-08T22:17:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19151","tags":null,"has_narrative":true,"complaint_id":"8123314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-08T21:20:03.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>dispute</em> is currently active in arbitration <em>Restricting</em> or <em>closing</em> by <em>creditor</em> of <em>account</em> regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a <em>creditor</em> operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), <em>restrict</em> or <em>close</em> an <em>account</em> with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such <em>account</em> to contain a billing"]},"sort":[18.473877,"8123314"]},{"_index":"complaint-public-v1","_id":"5422898","_score":17.9737,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On or around XX/XX/2022 I mailed a billing error notice to Capital One Services billing dispute department addressed on the back of my billing statement as required, I also mailed a copy to their corporate office and registered agent ( XXXX XXXX XXXX ) in regards to my XXXX credit card accounts/billing statements that I had reason to believe was in error. I requested in accordance with 15 U.S.C 1666 ( b ) ( 2 ) documentary evidence which includes books of account in accordance with 15 U.S.C 44, Capital One must provide to clarify this dispute. The creditor ( capital one ) on XX/XX/2022 took adverse action against me by restricting and closing all three of my credit card accounts ( I only disputed XXXX ) for exercising in good faith my right to inquire and or dispute a billing error to resolve the issue on my account.This is wrong, not fair and humiliating. I had recurring payments set up using my credit card accounts that were denied payment because capital one closed my accounts before sending me a notice so I could properly update payment for these services. Pursuant to 12 CFR 1026.13 ( d ) ( 1 ) ( 2 ) ( 3 ) the consumer has the right not to pay and the creditor may not try to collect, the creditor shall not accelerate, restrict or close the consumer 's account. Capital One has now forfeited any right to collect any amount due to noncompliance pursuant to 15 U.S.Code 1666 ( e ). The creditor ( capital one ) is civilly liable for actual damages to the consumer and criminally liable for knowingly and willfully noncompliance of failure to present required documentary evidence as requested to clarify and resolve the previously addressed billing error pursuant to 15 U.S.Code 1693m and 1693n.","date_sent_to_company":"2022-04-08T15:28:58.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"5422898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-04-08T14:32:19.000Z","state":"NC","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The <em>creditor</em> ( capital one ) on XX/XX/2022 took adverse action against me by <em>restricting</em> and <em>closing</em> all three of my credit card <em>accounts</em> ( I only <em>disputed</em> XXXX ) for exercising in good faith my right to inquire and or <em>dispute</em> a billing error to resolve the issue on my <em>account</em>.This is wrong, not fair and humiliating."],"issue":["<em>Closing</em> your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[17.9737,"5422898"]},{"_index":"complaint-public-v1","_id":"5359012","_score":17.496449,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"* called Capital one on XX/XX/2022 I extended my consumer credit to Capital one and they violated me and broke the law when they recently RESTRICT both of my capital one accounts without my permission and / or consent. \nRestrict- limit something, especially an activity, to ( a particular place, time, or category of people ). \nLet it be known I am the original creditor When I called capital one and spoke with XXXX manager of the fraud and dispute department at Capital One, she told me both of my accounts were CLOSED. Her ID reference number : XXXX XXXX of Capital One could not give me a complete and accurate reason as to why my account was closed. \nClosed - to deny access to ( XXXX dictionary ) This is deceptive, and unfair debt collection practices. To restrict and to close are two different actions. You cant do two actions it is either one or the other. These action can not not be acted on without the original creditor consent. \nShe ( XXXX XXXX stated you violated the bank terms and conditions she could not tell me exactly what the violations was she said it was the banks decision. How can a bank which is an elaborate mechanism with no real standing or authority make a decision based off my extended consumer credit. Once my credit was ran by Capital one, they gain access to the trust and became the appointed trustee. I am the beneficiary and this action from capital one do not benefit me. When the trustee actions dont benefit the beneficiary its FRAUD. \nSo where is the Proof? If I violated their agreement wouldnt it make sense to show me where in the agreement? \nInstead I got a I dont have access as to why your account was close and I dont have any other person you can talk to Im the higher -XXXX  response. \nCapital One which is a Fictitious entity can not make decisions based on my extended credit its prohibited by federal laws.","date_sent_to_company":"2022-03-23T23:30:26.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"5359012","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-03-23T23:12:38.000Z","state":"PA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Let it be known I am the original <em>creditor</em> When I called capital one and spoke with XXXX manager of the fraud and <em>dispute</em> department at Capital One, she told me both of my <em>accounts</em> were CLOSED. Her ID reference number : XXXX XXXX of Capital One could not give me a complete and accurate reason as to why my <em>account</em> was closed. \nClosed - to deny access to ( XXXX dictionary ) This is deceptive, and unfair debt collection practices. To <em>restrict</em> and to <em>close</em> are two different actions."],"issue":["<em>Closing</em> your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[17.496449,"5359012"]},{"_index":"complaint-public-v1","_id":"6987949","_score":16.591373,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. \n\nXXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPB, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. \n\nI hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and XXXX This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. \n\nUntil the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. XXXX as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.","date_sent_to_company":"2023-05-17T13:08:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19141","tags":null,"has_narrative":true,"complaint_id":"6987949","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-17T13:08:01.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX as the <em>creditor</em>, may not collect any <em>disputed</em> amount. As a federally protected consumer, who does not need to pay, the <em>creditor</em> can not <em>restrict</em>, accelerate payment, <em>close</em> an <em>account</em> and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress."]},"sort":[16.591373,"6987949"]},{"_index":"complaint-public-v1","_id":"6987948","_score":16.591373,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. \n\nXXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPB, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. \n\nI hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and XXXX This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. \n\nUntil the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. XXXX as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.","date_sent_to_company":"2023-05-17T13:08:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19141","tags":null,"has_narrative":true,"complaint_id":"6987948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-17T13:08:01.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX as the <em>creditor</em>, may not collect any <em>disputed</em> amount. As a federally protected consumer, who does not need to pay, the <em>creditor</em> can not <em>restrict</em>, accelerate payment, <em>close</em> an <em>account</em> and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress."]},"sort":[16.591373,"6987948"]},{"_index":"complaint-public-v1","_id":"6987643","_score":16.591177,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Citibank has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. \n\nCitibank be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPB, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. \n\nI hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and Citibank This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. \n\nUntil the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. Citibank as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.","date_sent_to_company":"2023-05-17T13:07:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19141","tags":null,"has_narrative":true,"complaint_id":"6987643","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-05-17T12:53:55.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Citibank as the <em>creditor</em>, may not collect any <em>disputed</em> amount. As a federally protected consumer, who does not need to pay, the <em>creditor</em> can not <em>restrict</em>, accelerate payment, <em>close</em> an <em>account</em> and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress."]},"sort":[16.591177,"6987643"]},{"_index":"complaint-public-v1","_id":"5758058","_score":16.344845,"_source":{"product":"Mortgage","complaint_what_happened":"REQUEST FOR REFUND ( 10 Month billing statement received on XX/XX/XXXX on my request ) 1. Statement date XX/XX/XXXX total due was {$32000.00} had escrow balance of {$13000.00} but has no records form this. \n2. Statement date XX/XX/XXXX total due is {$47000.00} 3. Default notice field with county is {$56000.00} 4. Additional {$14000.00} from XXXX to XX/XX/XXXX monthly payment of {$1000.00} for 4 months {$4100.00} not {$14000.00} over charging {$10000.00} 5. Default filed with county is {$56000.00} less XX/XX/XXXX total balance is {$32000.00}. XXXX is {$23000.00} plus {$5000.00} estimated public nuisance equals to {$28.00}, XXXX 6. TOTAL AMOUNT OF REFUND IS {$28000.00} PLUS INTEREST IN 15 DAYS IS NEEDED. \n\nOn XX/XX/XXXX I filed written dispute with SLS and as of XX/XX/XXXX they have not send response therefore they have no records to validate the debt of {$56000.00}. \nOn XX/XX/XXXX I filed dispute with XXXX XXXX XXXX and as of XX/XX/XXXX there is no response to my dispute because they have no records. \n\nDISPUTE IS REAL AND LEGITIMATE DISPUTE BAD FAITH DEFAULT ITS TOTALLY BAD FAITH DEFAULT NOTICE FILED WITH COUNTY RECORDS OFFICE WITHOUT RESPONDING TO DISPUTE, WITHOUT RESOLVING DISPUTE AND HAVING NO RECORDS TO FILED NOTICE TO FORECLOSURE THE PROPERTY. \nBoth entities are violation of FDCPA 12 CFR 1026.13 ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period ; and \" ITS CLOSE TO 11 MONTHS NO RECORDS TO DISPUTE FILED WITH SLS AND CLOSE TO 4 MONTHS XXXX DEFAULT SERVICE DISPUTE WAS FILED ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. \n\" ITS CLOSE TO 11 MONTHS NO RECORDS OF DISPUTE FILED WITH SLS AND CLOSE TO 4 MONTHS XXXX  DEFAULT SERVICE DISPUTE WAS FILED AND NO RESPONSE FROM BOTH ENTITIES AND BOTH VIOLATED ABOVE FDCPA LAWS ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. \n\" WITHOUT RESPONSE TO DISPUTE AND HAVING NO RECORDS BOTH ENTITIES ARE IN VIOLATION OF ABOVE FDCPA LAWS BY FILING DEFAULT NOTICE WITH COUNTY RECORDERS OFFICE FOR THE FULL AMOUNT OF {$56000.00} THAT I HAVE LEGAL RIGHT TO WITHHOLD DISPUTED AMOUNT '' ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.\n\n( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. \n\n\" FILING DEFAULT NOTICE TO FORECLOSURE THE PROPERTY WITHOUT VALIDATING THE DEBT AND RESOLVING DISPUTE BOTH ENTITY IS IN VIOLATION OF ABOVE FDCPA LAWS THEY HAVE NO RECORDS, NOT SENDING RESPONSE TO DISPUTE AND NOT SENDING BILLING STATEMENT EVERY MONTH","date_sent_to_company":"2022-07-11T05:55:28.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"95823","tags":null,"has_narrative":true,"complaint_id":"5758058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2022-07-11T05:32:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["( 1 ) Correct the billing error and credit the consumer 's <em>account</em> with any <em>disputed</em> amount and related finance or other charges, as applicable; and ( 2 ) Acceleration of debt and restriction of <em>account</em> prohibited. A <em>creditor</em> shall not accelerate any part of the consumer 's indebtedness or <em>restrict</em> or <em>close</em> a consumer 's <em>account</em> solely because the consumer has exercised in good faith rights provided by this section."]},"sort":[16.344845,"5758058"]},{"_index":"complaint-public-v1","_id":"4904184","_score":16.309013,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am a consumer XXXX XXXX XXXX with Power Of Attorney over my Sole proprietorship dba XXXX XXXX XXXX I give American Express full consent to respond to this complaint I filed a dispute against American Express they failed to send documentary evidence pursuant to federal law that I asked for instead they have sent me basic statements of each month from open to close they are missing Account Ledgers showing where this money and credit started and came from. documentary evidence pursuant to federal law includes all public and private correspondence, documents, papers, books of account, account ledgers, financial and corporate. \n\nAs stated in my C & D/Billing error notice \" Notice, it is a fact, affiant is aware, American Express as the creditor may not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error. Such actions by American Express will forfeit its rights to collect the disputed amount as described in 15 U.S. Code 1666 ( e ) and hold the creditor liable under 15 U.S. Code 1693m for American Express for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to 15 U.S. Code 1693n for failing to provide required documentary evidence as requested to clarify and resolve the previously addressed billing error.","date_sent_to_company":"2021-11-12T17:35:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"15132","tags":null,"has_narrative":true,"complaint_id":"4904184","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-11-12T17:12:41.000Z","state":"PA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["As stated in my C & D/Billing error notice \" Notice, it is a fact, affiant is aware, American Express as the <em>creditor</em> may not collect any <em>disputed</em> amount, I the consumer and affiant, does not need to pay, the <em>creditor</em> can not <em>restrict</em>, accelerate payment or <em>close</em> an <em>account</em> and or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[16.309013,"4904184"]},{"_index":"complaint-public-v1","_id":"6009122","_score":16.217651,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It has came to my attention that XXXX XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. \n\nCongress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. \n\nXXXX XXXX XXXX is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. \n\nI hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and XXXX XXXX XXXX. This account with XXXX XXXX XXXX is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. \n\nUntil the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. XXXX XXXX XXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.","date_sent_to_company":"2022-09-23T13:13:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77505","tags":null,"has_narrative":true,"complaint_id":"6009122","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-22T16:57:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX, as the <em>creditor</em>, may not collect any <em>disputed</em> amount. As a federally protected consumer, who does not need to pay, the <em>creditor</em> can not <em>restrict</em>, accelerate payment, <em>close</em> an <em>account</em> and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.217651,"6009122"]},{"_index":"complaint-public-v1","_id":"5900478","_score":16.217651,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"US DEPT OF EDXXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. US DEPT OF EDXXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and US DEPT OF EDXXXX. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. US DEPT OF EDXXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.","date_sent_to_company":"2022-08-25T18:36:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77505","tags":null,"has_narrative":true,"complaint_id":"5900478","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-20T18:52:23.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["US DEPT OF EDXXXX, as the <em>creditor</em>, may not collect any <em>disputed</em> amount. As a federally protected consumer, who does not need to pay, the <em>creditor</em> can not <em>restrict</em>, accelerate payment, <em>close</em> an <em>account</em> and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.217651,"5900478"]},{"_index":"complaint-public-v1","_id":"6009428","_score":16.208656,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It has came to my attention that First Progress Card has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. \n\nCongress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. \n\nFirst Progress Card is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. \n\nI hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and First Progress Card. This account with First Progress Card is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. \n\nUntil the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. First Progress Card, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.","date_sent_to_company":"2022-09-23T13:13:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77505","tags":null,"has_narrative":true,"complaint_id":"6009428","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2022-09-22T16:12:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["First Progress Card, as the <em>creditor</em>, may not collect any <em>disputed</em> amount. As a federally protected consumer, who does not need to pay, the <em>creditor</em> can not <em>restrict</em>, accelerate payment, <em>close</em> an <em>account</em> and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.208656,"6009428"]},{"_index":"complaint-public-v1","_id":"6009121","_score":16.208656,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It has came to my attention that XXXX XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. \n\nCongress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. \n\nXXXX XXXX XXXX is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.\n\nI hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and XXXX XXXX XXXX. This account with XXXX XXXX XXXX is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. \n\nUntil the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. XXXX XXXX XXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.","date_sent_to_company":"2022-09-23T13:13:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77505","tags":null,"has_narrative":true,"complaint_id":"6009121","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-22T16:57:13.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX, as the <em>creditor</em>, may not collect any <em>disputed</em> amount. As a federally protected consumer, who does not need to pay, the <em>creditor</em> can not <em>restrict</em>, accelerate payment, <em>close</em> an <em>account</em> and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.208656,"6009121"]},{"_index":"complaint-public-v1","_id":"5995523","_score":16.206657,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Genesis FS Card Services has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any non-affiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. \nGenesis FS Card Services is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat, duress, and coercion. This fraudulently furnished negative information violates XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. \nI hereby dis-affirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and Genesis FS Card Services XXXX This account is a billing error. Please provide me with documentary evidence of the obligor 's indebtedness. \nAs a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. \nUntil the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. Genesis FS Card Services, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.","date_sent_to_company":"2022-09-20T17:59:43.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"19128","tags":null,"has_narrative":true,"complaint_id":"5995523","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2022-09-19T17:28:40.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["Genesis FS Card Services, as the <em>creditor</em>, may not collect any <em>disputed</em> amount. As a federally protected consumer, who does not need to pay, the <em>creditor</em> can not <em>restrict</em>, accelerate payment, <em>close</em> an <em>account</em> and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress."]},"sort":[16.206657,"5995523"]},{"_index":"complaint-public-v1","_id":"5900518","_score":16.206657,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"US DEPT OF EDXXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. US DEPT OF EDXXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and US DEPT OF ED/XXXX. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. US DEPT OF EDXXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.","date_sent_to_company":"2022-08-25T18:38:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77505","tags":null,"has_narrative":true,"complaint_id":"5900518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2022-08-20T18:27:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["US DEPT OF EDXXXX, as the <em>creditor</em>, may not collect any <em>disputed</em> amount. As a federally protected consumer, who does not need to pay, the <em>creditor</em> can not <em>restrict</em>, accelerate payment, <em>close</em> an <em>account</em> and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.206657,"5900518"]},{"_index":"complaint-public-v1","_id":"5900477","_score":16.206657,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"US DEPT OF EDXXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. US DEPT OF EDXXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and US DEPT OF EDXXXX. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. US DEPT OF EDXXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.","date_sent_to_company":"2022-08-25T18:41:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77505","tags":null,"has_narrative":true,"complaint_id":"5900477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-08-20T18:52:23.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["US DEPT OF EDXXXX, as the <em>creditor</em>, may not collect any <em>disputed</em> amount. As a federally protected consumer, who does not need to pay, the <em>creditor</em> can not <em>restrict</em>, accelerate payment, <em>close</em> an <em>account</em> and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.206657,"5900477"]},{"_index":"complaint-public-v1","_id":"6009123","_score":16.191442,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It has came to my attention that XXXX XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. \n\nCongress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. \n\nXXXX XXXX XXXX is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. \n\nI hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and XXXX XXXX XXXX. This account with XXXX XXXX XXXX is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. \n\nUntil the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. XXXX XXXX XXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.","date_sent_to_company":"2022-09-23T13:13:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77505","tags":null,"has_narrative":true,"complaint_id":"6009123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-22T16:57:13.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX, as the <em>creditor</em>, may not collect any <em>disputed</em> amount. As a federally protected consumer, who does not need to pay, the <em>creditor</em> can not <em>restrict</em>, accelerate payment, <em>close</em> an <em>account</em> and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.191442,"6009123"]},{"_index":"complaint-public-v1","_id":"3113735","_score":15.986805,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX I submitted CFPB complaint : XXXX-XXXX for the following concerns : 1. ) American Express closed my account without notice. 2. ) All Reward Points were confiscated with no notice. 3. ) The account had active billing disputes. 4. ) 1666. Correction of billing errors prohibits creditors from 4a. ) attempting to collect a debt in dispute. 4b. ) prevents a creditor from restricting or closing an account with active billing disputes.\n\nNow in response, 1. ) American Express states my account was closed due to A. ) FICO score despite being aware changed due to identity theft and fraudulent reporting. B. ) My revolving balances, which were not out of the ordinary as my accounts had never been delinquent and paid off in full every month. In fact, they had just increased my line of credit on my personal card. Additionally, a large majority of my revolving credit balance was in dispute. Which prevents American Express from restricting, closing, trying to collect or taking adverse action for enforcing my consumer rights. C. ) A Returned payment due to complications from the identity theft I was having to correct. This returned payment would never have occurred if the American Express Agent I spoke with had not told me to allow it to go through even though there wasn't money and just to pay the correct amount from the correct account. This advice was given to me as I contacted American Express right after initiating the payment and realizing it defaulted to the wrong account. I called to cancel the payment to prevent the returned payment but was advised not to. I made the correct payment from the correct account prior to the first payment being returned to keep the account from being late or delinquent in any way. \n\nTaking this all into account it appears my accounts which to that point been paid in full and never delinquent were closed by American Express because the majority of my billing statement was in dispute and I was the victim of identity theft followed the instructions they provided to me, I was the victim of identity theft and followed the instructions provided by American Express customer support agents. Still American Express has yet to reply to the reasoning they closed my accounts violation 1666. Correction of billing errors took adverse action due to fraudulent information resulting from proven identity theft, closed my accounts despite having paid my cards in full every month having a XXXX revolving balance every month which was not in dispute, or why they closed my account despite following their instructions when I notified them of the error in payment account prior to the payment being returned. \n\nFurthermore had American Express followed 1666. Correction of billing errors and provided me notice prior to closing my accounts and confiscating my reward points, I would have been able to cash in those reward points for a statement credit drastically eliminating the remaining balance, not in dispute on my platinum card.","date_sent_to_company":"2018-12-31T05:17:38.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"78723","tags":null,"has_narrative":true,"complaint_id":"3113735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-12-31T04:46:27.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["On XXXX I submitted CFPB complaint : XXXX-XXXX for the following concerns : 1. ) American Express closed my <em>account</em> without notice. 2. ) All Reward Points were confiscated with no notice. 3. ) The <em>account</em> had active billing <em>disputes</em>. 4. ) 1666. Correction of billing errors prohibits <em>creditors</em> from 4a. ) attempting to collect a debt in <em>dispute</em>. 4b. ) prevents a <em>creditor</em> from <em>restricting</em> or <em>closing</em> an <em>account</em> with active billing <em>disputes</em>."],"issue":["<em>Closing</em> your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[15.986805,"3113735"]},{"_index":"complaint-public-v1","_id":"4815687","_score":15.950194,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I sent Capital One written correspondent about correcting a billing error on XX/XX/21 Capital One responded with immediate closure of both my credit card account and reported it as closed to the credit reporting agencies causing me damages. Pursuant to 15 U.S. Code 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance.\n\nPursuant to 12 CFR 1026.13 ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.\n\nFact, affiant is aware and has proof in attachment labeled as exhibit A that CAPITAL ONE is still trying to collect.\n\n( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. \nFact, affiant is aware and has proof in attachment labeled as exhibit B that CAPITAL ONE reported it to the credit agency as closed. \n( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. \nFact, affiant is aware and has proof in attachment labeled as exhibit C that CAPITAL ONE has violated my rights as a federal protected consumer by taking adverse action against me when written notice was received for account CAPITAL ONE restricted and closed both of my accounts, which were in good standing without my consent. Note that account was not addressed in exhibit D but was subsequently and now closed.\n\nPursuant to 15 U.S. Code 1666 ( d ) RESTRICTING OR CLOSING BY CREDITOR OF ACCOUNT REGARDED BY OBLIGOR TO CONTAIN A BILLING ERROR Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\nFact, affiant is aware and has proof in attachment labeled as exhibit C that CAPITAL ONE has violated my rights as a federal protected consumer by taking adverse action against me when written notice was received for account. CAPITAL ONE restricted and closed both of my accounts, which were in good standing without my consent. Note that account was not addressed in exhibit D but was subsequently and now closed. \n( e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. \nRead the Attached correspondent","date_sent_to_company":"2021-10-16T23:49:37.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"799XX","tags":null,"has_narrative":true,"complaint_id":"4815687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-10-16T23:25:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Code 1666 ( d ) <em>RESTRICTING</em> OR <em>CLOSING</em> BY <em>CREDITOR</em> OF <em>ACCOUNT</em> REGARDED BY OBLIGOR TO CONTAIN A BILLING ERROR Pursuant to regulations of the Bureau, a <em>creditor</em> operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), <em>restrict</em> or <em>close</em> an <em>account</em> with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such <em>account</em> to contain a billing error solely because of the obligors"],"issue":["<em>Closing</em> your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[15.950194,"4815687"]},{"_index":"complaint-public-v1","_id":"4978523","_score":15.914934,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This complaint goes with the first complaint that I filed against Chase on XX/XX/XXXX. Now, we have reached and are past the 90 days that Chase has to investigate this matter. I first reported this on XX/XX/XXXX. Today is XX/XX/XXXX. I've never received any conditional credits, have been charged late fees, and communication has been so very limited. I've tried reaching out several times and have wrote several secure messages. \n\nChase is way past the 90 day period of investigation. \n\" The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. '' Chase closed my account during the dispute. \n\" The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. '' I've requested documents and copies of investigation. I've received nothing. \n\" If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. '' My account should be credited.","date_sent_to_company":"2021-12-06T16:20:12.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"17225","tags":null,"has_narrative":true,"complaint_id":"4978523","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-12-06T16:06:13.000Z","state":"PA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["\" The <em>creditor</em> may not threaten your credit rating, report you as delinquent, accelerate your debt, or <em>restrict</em> or <em>close</em> your <em>account</em> because your bill is in <em>dispute</em> or you have used your FCBA rights. '' I've requested documents and copies of investigation. I've received nothing. \n\" If the <em>creditor</em> determines that you owe a portion of the <em>disputed</em> amount, you must get a written explanation. You may request copies of documents proving you owe the money. '' My <em>account</em> should be credited."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[15.914934,"4978523"]},{"_index":"complaint-public-v1","_id":"8728567","_score":15.80347,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX, I received monthly statement from AvantXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It shows that my balance due {$0.00}. And they have updated my account after my billing error dispute was sent to them. I log into online portal and that its not giving me access and not allowing to you used my card. \nAccording to the following section XXXX states that there shouldn't be any restriction for me using my card because the account has been made current .... XXXX Billing error resolution section d ( XXXX ) ( XXXX ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.","date_sent_to_company":"2024-04-09T17:21:44.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"29340","tags":null,"has_narrative":true,"complaint_id":"8728567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Avant Holding Company, Inc.","date_received":"2024-04-09T14:53:02.000Z","state":"SC","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["A <em>creditor</em> shall not accelerate any part of the consumer 's indebtedness or <em>restrict</em> or <em>close</em> a consumer 's <em>account</em> solely because the consumer has exercised in good faith rights provided by this section. A <em>creditor</em> may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section."]},"sort":[15.80347,"8728567"]},{"_index":"complaint-public-v1","_id":"6591959","_score":15.435817,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I sent a notarized Billing Error Notice to CARECREDIT 'S CEO XXXX XXXX via USPS certified mail with a Domestic Return Receipt. CARECREDIT received the Billing Error Notice on XX/XX/XXXX. \n\nI also sent a copy of the Billing Error Notice to CARECREDIT/SYNCHRONY BANK BILLING INQUIRIES via USPS certified mail on XX/XX/XXXX, and XX/XX/XXXX. Those Notices were delivered to their XXXX XXXX and picked up on XX/XX/XXXX. \n\nI am aware that CARECREDIT/SYNCHRONY BANK shall follow the following procedures as defined in 12CFR 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumer account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or delivery a correction notice to the consumer.\n\nI am also aware that \" the creditor may not collect any disputed amount. The creditor can not restrict, accelerate payment or close an account and or make or threaten adverse reporting to any person about the consumers credit standing without resolving the billing error. '' CARECREDIT/SYNCHRONY BANK reported the account as 30 days past due on XX/XX/XXXX, which is a violation 15 U.S. Code 1666 ( e ). CARECREDIT/SYNCHRONY BANK also closed my account on XX/XX/XXXX, when there were no missed payments or reason to close my account, which is a violation of the FDCPA as well. \n\nLastly, CARECREDIT/SYNCHRONY BANK has not responded with a rebuttal, point for point, which forfeits CARECREDIT/SYNCHRONY BANK right to collect the disputed amount as described in 15 USC 1666 ( e ).","date_sent_to_company":"2023-02-19T06:07:28.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"98112","tags":null,"has_narrative":true,"complaint_id":"6591959","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-02-19T04:11:46.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The <em>creditor</em> can not <em>restrict</em>, accelerate payment or <em>close</em> an <em>account</em> and or make or threaten adverse reporting to any person about the consumers credit standing without resolving the billing error. '' CARECREDIT/SYNCHRONY BANK reported the <em>account</em> as 30 days past due on XX/XX/XXXX, which is a violation 15 U.S. Code 1666 ( e )."]},"sort":[15.435817,"6591959"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":280,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":280}]}},"product":{"doc_count":280,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":98,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":98}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":50,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":50}]}},{"key":"Credit card or prepaid card","doc_count":42,"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":40},{"key":"General-purpose prepaid card","doc_count":2}]}},{"key":"Debt collection","doc_count":33,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":21},{"key":"Other debt","doc_count":4},{"key":"I do not know","doc_count":3},{"key":"Auto debt","doc_count":2},{"key":"Medical debt","doc_count":1},{"key":"Mortgage debt","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Credit card","doc_count":29,"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":27},{"key":"Store credit card","doc_count":2}]}},{"key":"Vehicle loan or 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service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":280,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":69,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":44},{"key":"Account status incorrect","doc_count":23},{"key":"Information belongs to someone else","doc_count":1},{"key":"Old information reappears or never goes away","doc_count":1}]}},{"key":"Improper use of your report","doc_count":52,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":52}]}},{"key":"Closing your account","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":18}]}},{"key":"Attempts to collect debt not owed","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":9},{"key":"Debt was paid","doc_count":3},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":1},{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":13},{"key":"Privacy 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