{"took":118,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":90,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3053087","_score":15.34758,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My File number is XXXX To whom this may concern, Trying to read all my credit reports and scores from the credit reports. XXXX, Experisn And XXXX. The page kept saying inactive status and needs to close. Not the word for word on how error was given. Time out. I didn't even get a chance to go over everything in all 3 Reporters plus the Annual credit report. \nNot given the chance to dispute all the Incorrect information I did see. Many investigations on existing very old problems nurmgouse dates already done. Imporoper use of my reports shared without my consent. Credit inquiries from unknown sources more than once without my permission. Many unknown collectors I haven't a clue what they are. Wrong addresses and phone numbers in my credit reports as well as places of employment I have never worked for. Many Consumer reporting agencies reported outdated negative information as well. \nIt's a wonderful anyone would give me credit! Very disappointed and extremely upset my credit reports of what I did see was a complete mess! \nI do have a right to read all of it and try and fix it as much as possible and get it more presentable for when my report is looked at that perhaps I got a better chance without someone else 's stuff on it. \nInaccurate information put on my credit report as done has cost me a lot more than realized. These reporting agencies are crazy mad it seems Please if someone could possibly get back to me ASAP it would be so appreciated. \nThanks so much! \nI will be writing/calling XXXX  Consumer Relations regarding this.","date_sent_to_company":"2018-10-22T17:32:44.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"163XX","tags":null,"has_narrative":true,"complaint_id":"3053087","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-10-22T17:32:42.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Many <em>investigations</em> on <em>existing</em> very old <em>problems</em> nurmgouse dates <em>already</em> done. Imporoper use of my reports shared without my consent. Credit inquiries from unknown sources more than once without my permission. Many unknown collectors I haven't a clue what they are. Wrong addresses and phone numbers in my credit reports as well as places of employment I <em>have</em> never worked for. Many Consumer reporting agencies reported outdated negative information as well."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[15.34758,"3053087"]},{"_index":"complaint-public-v1","_id":"3053038","_score":15.316271,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My File number is XXXX To whom this may concern, Trying to read all my credit reports and scores from the credit reports. XXXX, XXXX And Equitax. The page kept saying inactive status and needs to close. Not the word for word on how error was given. Time out. I didn't even get a chance to go over everything in all 3 Reporters plus the Annual credit report. \nNot given the chance to dispute all the Incorrect information I did see. Many investigations on existing very old problems nurmgouse dates already done. Imporoper use of my reports shared without my consent. Credit inquiries from unknown sources more than once without my permission. Many unknown collectors I haven't a clue what they are. Wrong addresses and phone numbers in my credit reports as well as places of employment I have never worked for. Many Consumer reporting agencies reported outdated negative information as well. \nIt's a wonderful anyone would give me credit! Very disappointed and extremely upset my credit reports of what I did see was a complete mess! \nI do have a right to read all of it and try and fix it as much as possible and get it more presentable for when my report is looked at that perhaps I got a better chance without someone else 's stuff on it. \nInaccurate information put on my credit report as done has cost me a lot more than realized. These reporting agencies are crazy mad it seems Please if someone could possibly get back to me ASAP it  would be so appreciated. \nThanks so much! \nI will be writing/calling XXXX Consumer Relations regarding this.","date_sent_to_company":"2018-10-22T17:32:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"163XX","tags":null,"has_narrative":true,"complaint_id":"3053038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-10-22T16:01:20.000Z","state":"PA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Many <em>investigations</em> on <em>existing</em> very old <em>problems</em> nurmgouse dates <em>already</em> done. Imporoper use of my reports shared without my consent. Credit inquiries from unknown sources more than once without my permission. Many unknown collectors I haven't a clue what they are. Wrong addresses and phone numbers in my credit reports as well as places of employment I <em>have</em> never worked for. Many Consumer reporting agencies reported outdated negative information as well."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[15.316271,"3053038"]},{"_index":"complaint-public-v1","_id":"13119556","_score":14.596651,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Reference : XXXX Complainant : XXXX XXXX XXXX XXXX DESTINY CARD ( Concora Credit Inc. , servicing XXXX XXXX XXXX ) Product : General-purpose credit card or charge card Issue : Problem with a companys investigation into an existing problem Date of submission : XX/XX/year> I am following up on a formal dispute submitted to Concora Credit Inc. ( servicer for XXXX XXXX XXXX ) regarding inaccurate reporting, excessive stacked fees, and the failure to apply credit protection services to my Destiny Card account.\n\nPer the companys own disclosures, it is clearly stated : We can not try to collect the amount in question, or report you as delinquent on that amount.\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\nWe can apply any unpaid amount against your credit limit.\n\nDespite this, I am concerned that the company has either already reported or intends to report the account as delinquent due to a missed payment that occurred immediately after I submitted my dispute. That missed payment is directly tied to the billing issues under investigation and should not be considered valid for negative reporting until the matter is resolved.\n\nI am disputing multiple charges that reflect excessive fees and billing practices ( including fee stacking ), which inflated the balance and contributed to my inability to pay. I also want to understand why credit protection services were not applied to shield my account during this time, as I believe I was eligible or should have been informed of the option.\n\nI am formally requesting : 1. Suspension of any negative credit reporting related to the disputed charges, in accordance with FCRA 623 ( a ) ( 3 ).\n\n2. That my account be properly marked as in dispute with all three credit bureaus during the investigation.\n\n3. A detailed breakdown of all fees, including justification for any that appear duplicative or excessive.\n\n4. A written explanation of why credit protection was not offered or applied.\n\n5. A formal written response to my dispute and full resolution under the Fair Credit Billing Act.\n\nIf the company reports this account as delinquent while the dispute is unresolved, it would be a direct violation of their own terms and applicable federal law. I am seeking correction of all inaccuracies, prevention of further damage to my credit profile, and a full investigation by the CFPB.","date_sent_to_company":"2025-04-22T15:32:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"13119556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2025-04-22T15:23:24.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Reference : XXXX Complainant : XXXX XXXX XXXX XXXX DESTINY CARD ( Concora Credit Inc. , servicing XXXX XXXX XXXX ) Product : General-purpose credit card or charge card Issue : <em>Problem</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> Date of submission : XX/XX/year> I am following up on a formal dispute submitted to Concora Credit Inc. ( servicer for XXXX XXXX XXXX ) regarding inaccurate reporting, excessive stacked fees, and the failure to apply credit protection services to my Destiny Card"]},"sort":[14.596651,"13119556"]},{"_index":"complaint-public-v1","_id":"18042248","_score":14.580126,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am filing a complaint regarding a XXXX XXXX I purchased from XXXX XXXX XXXX that had a transmission defect from the very first day, which the company repeatedly dismissed. Their actions and lack of proper inspection have caused significant financial harm to my business. \n\nOn the first day I purchased the truck and drove it home from Iowa, I received a low transmission air warning. I immediately called XXXX XXXX, and I was told this was normal, even though the warning persisted. I brought the truck to XXXX XXXX XXXX multiple times for this same issue, but they never properly inspected the transmission. They performed unrelated repairs and charged me for services that did not fix the problem. The transmission warning never went away from day one. \n\nThis shows that the truck had a pre-existing transmission defect at the time of sale. XXXX XXXX failed to properly address my concerns, and XXXX XXXX XXXX failed to diagnose the issue despite multiple visits. I acted in good faith and maintained the truck, while the companies responsible ignored the root problem. \n\nDuring a previous XXXX  complaint, XXXX XXXX offered to take the truck back only if I forfeited my deposit, all payments I had made, and the repair money I had already invested. I had already spent XXXX  trying to keep the truck operational and could not afford to lose that amount, so I continued making payments and attempting repairs. \n\nThe truck has now been diagnosed as needing a full transmission replacement costing approximately {$18000.00}. This confirms that the issue existed from the beginning and was repeatedly ignored. I have paid over {$1300.00} per month for this truck and invested XXXX  in repairs. The truck has been down since XXXX, causing me to lose income, work opportunities, and a business contract. This has placed me under significant financial strain. \n\nXXXX XXXX is now offering only three options : ( 1 ) pay off the truck in full, ( 2 ) voluntary surrender with negative credit reporting and potential remaining balance, or ( 3 ) finding someone to assume the lease. None of these options are fair considering that I reported the defect immediately, the issue was never properly investigated, and the truck is now requiring an extremely costly repair. I also have the health reports for the truck also all receipts from taking the truck to the shop for low transmission error!","date_sent_to_company":"2025-11-30T21:52:20.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"60446","tags":"Servicemember","has_narrative":true,"complaint_id":"18042248","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"CRESCO CAPITAL INC.","date_received":"2025-11-30T21:33:56.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["During a previous XXXX  complaint, XXXX XXXX offered to take the truck back only if I forfeited my deposit, all payments I had made, and the repair money I had <em>already</em> invested. I had <em>already</em> spent XXXX  <em>trying</em> to keep the truck operational and could not afford to lose that amount, so I continued making payments and attempting repairs. \n\nThe truck has now been diagnosed as needing a full transmission replacement costing approximately {$18000.00}."],"sub_issue":["<em>Problem</em> with additional products or services purchased with the loan"]},"sort":[14.580126,"18042248"]},{"_index":"complaint-public-v1","_id":"13124406","_score":14.575141,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Reference : XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Product : General-purpose credit card or charge card Issue : Problem with a companys investigation into an existing problem Date of submission : XX/XX/year> I am following up on a formal dispute submitted to XXXX XXXX XXXX ( servicer for XXXX XXXX XXXX ) regarding inaccurate reporting, excessive stacked fees, and the failure to apply credit protection services to my XXXX XXXX account.\n\nPer the companys own disclosures, it is clearly stated : We can not try to collect the amount in question, or report you as delinquent on that amount.\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance. \nWe can apply any unpaid amount against your credit limit. \n\nDespite this, I am concerned that the company has either already reported or intends to report the account as delinquent due to a missed payment that occurred immediately after I submitted my dispute. That missed payment is directly tied to the billing issues under investigation and should not be considered valid for negative reporting until the matter is resolved. \n\nI am disputing multiple charges that reflect excessive fees and billing practices ( including fee stacking ), which inflated the balance and contributed to my inability to pay. I also want to understand why credit protection services were not applied to shield my account during this time, as I believe I was eligible or should have been informed of the option.\n\nI am formally requesting : 1. Suspension of any negative credit reporting related to the disputed charges, in accordance with FCRA 623 ( a ) ( 3 ).\n\n2. That my account be properly marked as in dispute with all three credit bureaus during the investigation.\n\n3. A detailed breakdown of all fees, including justification for any that appear duplicative or excessive.\n\n4. A written explanation of why credit protection was not offered or applied.\n\n5. A formal written response to my dispute and full resolution under the Fair Credit Billing Act.\n\nIf the company reports this account as delinquent while the dispute is unresolved, it would be a direct violation of their own terms and applicable federal law. I am seeking correction of all inaccuracies, prevention of further damage to my credit profile, and a full investigation by the CFPB.","date_sent_to_company":"2025-04-22T15:32:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"13124406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-22T15:31:53.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Reference : XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Product : General-purpose credit card or charge card Issue : <em>Problem</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> Date of submission : XX/XX/year> I am following up on a formal dispute submitted to XXXX XXXX XXXX ( servicer for XXXX XXXX XXXX ) regarding inaccurate reporting, excessive stacked fees, and the failure to apply credit protection services to my XXXX XXXX account."]},"sort":[14.575141,"13124406"]},{"_index":"complaint-public-v1","_id":"13124408","_score":14.570597,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Reference : XXXX Complainant : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Product : General-purpose credit card or charge card Issue : Problem with a companys investigation into an existing problem Date of submission : XX/XX/year> I am following up on a formal dispute submitted to XXXX XXXX XXXX ( servicer for XXXX XXXX XXXXk ) regarding inaccurate reporting, excessive stacked fees, and the failure to apply credit protection services to my Destiny Card account.\n\nPer the companys own disclosures, it is clearly stated : We can not try to collect the amount in question, or report you as delinquent on that amount.\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\nWe can apply any unpaid amount against your credit limit.\n\nDespite this, I am concerned that the company has either already reported or intends to report the account as delinquent due to a missed payment that occurred immediately after I submitted my dispute. That missed payment is directly tied to the billing issues under investigation and should not be considered valid for negative reporting until the matter is resolved.\n\nI am disputing multiple charges that reflect excessive fees and billing practices ( including fee stacking ), which inflated the balance and contributed to my inability to pay. I also want to understand why credit protection services were not applied to shield my account during this time, as I believe I was eligible or should have been informed of the option.\n\nI am formally requesting : 1. Suspension of any negative credit reporting related to the disputed charges, in accordance with FCRA 623 ( a ) ( 3 ).\n\n2. That my account be properly marked as in dispute with all three credit bureaus during the investigation.\n\n3. A detailed breakdown of all fees, including justification for any that appear duplicative or excessive.\n\n4. A written explanation of why credit protection was not offered or applied.\n\n5. A formal written response to my dispute and full resolution under the Fair Credit Billing Act.\n\nIf the company reports this account as delinquent while the dispute is unresolved, it would be a direct violation of their own terms and applicable federal law. I am seeking correction of all inaccuracies, prevention of further damage to my credit profile, and a full investigation by the CFPB.","date_sent_to_company":"2025-04-22T15:32:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"13124408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-22T15:31:53.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Reference : XXXX Complainant : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Product : General-purpose credit card or charge card Issue : <em>Problem</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> Date of submission : XX/XX/year> I am following up on a formal dispute submitted to XXXX XXXX XXXX ( servicer for XXXX XXXX XXXXk ) regarding inaccurate reporting, excessive stacked fees, and the failure to apply credit protection services to my Destiny Card account"]},"sort":[14.570597,"13124408"]},{"_index":"complaint-public-v1","_id":"13115609","_score":14.558991,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Reference : XXXX Complainant : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : General-purpose credit card or charge card Issue : Problem with a companys investigation into an existing problem Date of submission : XX/XX/year> I am following up on a formal dispute submitted to XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX regarding inaccurate reporting, excessive stacked fees, and the failure to apply credit protection services to my XXXX XXXX account. \n\nPer the companys own disclosures, it is clearly stated : We can not try to collect the amount in question, or report you as delinquent on that amount. \nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance. \nWe can apply any unpaid amount against your credit limit. \n\nDespite this, I am concerned that the company has either already reported or intends to report the account as delinquent due to a missed payment that occurred immediately after I submitted my dispute. That missed payment is directly tied to the billing issues under investigation and should not be considered valid for negative reporting until the matter is resolved. \n\nI am disputing multiple charges that reflect excessive fees and billing practices ( including fee stacking ), which inflated the balance and contributed to my inability to pay. I also want to understand why credit protection services were not applied to shield my account during this time, as I believe I was eligible or should have been informed of the option.\n\nI am formally requesting : 1. Suspension of any negative credit reporting related to the disputed charges, in accordance with FCRA 623 ( a ) ( 3 ).\n\n2. That my account be properly marked as in dispute with all three credit bureaus during the investigation.\n\n3. A detailed breakdown of all fees, including justification for any that appear duplicative or excessive. \nXXXX. A written explanation of why credit protection was not offered or applied.\n\n5. A formal written response to my dispute and full resolution under the Fair Credit Billing Act.\n\nIf the company reports this account as delinquent while the dispute is unresolved, it would be a direct violation of their own terms and applicable federal law. I am seeking correction of all inaccuracies, prevention of further damage to my credit profile, and a full investigation by the CFPB.","date_sent_to_company":"2025-04-22T15:32:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"13115609","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-22T15:31:53.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Reference : XXXX Complainant : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : General-purpose credit card or charge card Issue : <em>Problem</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> Date of submission : XX/XX/year> I am following up on a formal dispute submitted to XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX regarding inaccurate reporting, excessive stacked fees, and the failure to apply credit protection services to my XXXX XXXX"]},"sort":[14.558991,"13115609"]},{"_index":"complaint-public-v1","_id":"12699309","_score":14.215447,"_source":{"product":"Credit card","complaint_what_happened":"I recieved an email from Discover telling me they had reduced my credit limit from {$3000.00} all the way down to {$500.00}, with no warning, which is a XXXX XXXX XXXX in credit in response to the information they saw reported by XXXX. But right now XXXX cant even access my XXXX report because Im blocked out of my own account. Thus I cant veiw my report directly w them nor can I dispute the errors they continue to report. To reiterate, On XX/XX/year> I had to report XXXX to CFPB for being unable to get my credit report, to dispute or see my score. The problem still has not been resolved. And on XX/XX/year> I had to report them to CFPB for problems with the company 's investigation into existing reporting issues. I had to try and dispute the errors XXXX is currently reporting, through XXXX XXXX instead, and its been a very slow and tedious process that is not panning out fast enough. Discover claims their decision to decrease my credit line was based on my supposed latenesses being reported to XXXX, my scary credit to usage ratio and the length of my credit history. Well I can tell you, I have even better credit history/length now than I had when I applied for their ccard because that was more like XXXX years ago and I haven't had any credit cards closed either, since. In all honesty, my credit usage XXXX be a little high now but that's going to be resolved once I win my disputes for those exact amounts with XXXX  and XXXX  regarding chargebacks XXXX the same merchant known as XXXX ( emergency vet ). I only bring this up because it is quite relevant in the sense that, I also had this same dispute pending with Discover for a chargeback from XXXX and Discover approved it, thankfully. So They should be more understanding in this case since the same unfortunate issue was pending XXXX them as well for a little while. Also the late payments Discover might be viewing on my report from XXXX are bogus at this point since they were heaping on fees and lateness while my dispute was under review from the very start, even before the appeal I brought up XXXX them to reexamine my case. I am fully aware that XXXX is not supposed to count lateness under certain regulations while disputes are pending. This is why XXXX now in the process of battling XXXX for the last month or so because they refuse to do their due diligence to whole heartedly review the disputes I asked for twice already for both XXXX and XXXX. Its devistating enough that these ongoing disputes XXXX the XXXX and XXXX have taken my credit usage for a spin... now XXXX, with little regard for the damage it will do to my XXXX XXXX, has further maxed out my credit to usage ratio and will completely tank my credit and finances, now and into the far future. Instead of standing by a loyal costumer that has never caused them any pain, they are compounding my hardship and suffering by destroying my spectacular record further while I'm trying to resolve my existing problems. Before this spiraling nightmare started, My Fico scores ranged from the XXXX 's to nearly XXXX which is way above avarage for most of XXXX. I am XXXX XXXX, dream costumer to all of my creditors.","date_sent_to_company":"2025-03-27T09:55:57.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"12699309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-03-27T07:39:50.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["The <em>problem</em> still has not been resolved. And on XX/XX/year> I had to report them to CFPB for <em>problems</em> with the company 's <em>investigation</em> into <em>existing</em> reporting issues. I had to <em>try</em> and dispute the errors XXXX is currently reporting, through XXXX XXXX instead, and its been a very slow and tedious process that is not panning out fast enough."]},"sort":[14.215447,"12699309"]},{"_index":"complaint-public-v1","_id":"2953666","_score":14.197102,"_source":{"product":"Mortgage","complaint_what_happened":"My home is set for foreclosure sale date on XX/XX/XXXX by Wells Fargo. This bank failed to honor an existing modification agreement and then obstructed our efforts to resolve the matter. Their agents have made misrepresentations to us and their legal team along with our Attorney at the time colluded to steer us into a settlement agreement under duress. We immediately knew this was a mistake and have tried repeatedly to fix the problem but can't make any progress. We are inundated with several collection calls daily from Wells Fargo but when we call to try and fix this issue and get a review for homeowner assistance programs initiated we are ignored. We have been beaten down and broken by Wells Fargo and need help and need an investigation into their actions. We have the means to afford a fair mortgage payment but Wells Fargo will not consider this option as they XX/XX/XXXX to foreclosure. \n\nMy wife and I purchased the home in XX/XX/XXXX with a predatory adjustable loan originated by XXXX and our monthly payment was {$1200.00}. My wife and I were both working full time and caring for our XXXX adult son. We soon realized that we had been misled at origination and that this was a toxic predatory loan. We contacted XXXX and in XX/XX/XXXX they agreed to modify our loan and lowered our monthly payment to {$680.00}. Our agreement stated that we would pay this fixed payment for three years and then the modification rate and payment would revert to the current market interest rate. The problem is that Wells Fargo did not follow through with this agreement, and our interest rate went up to 7.25 % in the 4th year. We began the process of trying to contact their agents and resolve this matter but ran into a brick wall. We literally had hundreds of conversations that went nowhere ; we also applied for modifications several times. At one point we were offered a new modification, but the offer was made verbally -- we requested the terms in writing, since we had already been misled by Wells Fargo in the past, but their agents refused to put the offer in writing. \n\nDue to Wells Fargo 's failure to honor the original modification and work with us our case ended up in the court system. We were set to go to trial in front of a jury but at a pre-trial mediation the Wells Fargo lawyers ADMITTED fault and told us they would give us a cash settlement of {$40000.00} if we signed over our house within the next year. We did not want to do this, but our Attorney pushed us and steered us into agreeing to this under duress. We knew the next day that this was a mistake -- XXXX XXXX immediately wired {$11000.00} to our Attorney as we were trying to reach him to tell him this was a mistake and we wanted to fight and try and save our home and that we were pushed into this agreement. However, our Attorney ignored our calls and disappeared. We were once again on our own, and began trying to resolve this directly with Wells Fargo. Like before, we could not make any progress and could not get any type of review initiated. We were in limbo, and the only consistent contact we received from Wells Fargo was multiple daily harassing phone calls from the collections department. \n\nWe are now facing an imminent foreclosure sale date and are trying to rescind the settlement agreement due to the fact this was signed under duress. Wells Fargo will not engage with us and will not allow us to be considered for any retention options, they have written us off. This is wrong, we have the financial means to afford a fair payment and this problem is a result of Wells Fargo 's failure to honor the original modification we received from XXXX. Wells Fargo has acted in bad faith and their actions need to be investigated.","date_sent_to_company":"2018-07-04T18:55:12.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"33811","tags":null,"has_narrative":true,"complaint_id":"2953666","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-07-04T18:50:31.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This bank failed to honor an <em>existing</em> modification agreement and then obstructed our efforts to resolve the matter. Their agents <em>have</em> made misrepresentations to us and their legal team along with our Attorney at the time colluded to steer us into a settlement agreement under duress. We immediately knew this was a mistake and <em>have</em> <em>tried</em> repeatedly to fix the <em>problem</em> but can't make any progress."]},"sort":[14.197102,"2953666"]},{"_index":"complaint-public-v1","_id":"8865966","_score":13.977566,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because XXXX is reporting truth, or that they make things hard to dispute, they simply don't put XXXX ounce of effort in from the bottom to the highest person I've spoken with at their company. \nI have decided to just give up on trying. \nI spent the last XXXX XXXX  on the phone calling creditors with a XXXX  XXXX, XXXX XXXX. Nearly all day from XXXX am to XXXX pm, calling and sitting through the things that I do on a XXXX  basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from XXXX. The XXXX time i've had any shred of hope at all. \nAfter we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a XXXX  of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney subpoeina our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a XXXX  of things. I felt like I was maybe going to make it out of this alright. \nIm sitting up at XXXX  looking at my credit report because I can't sleep like usual. I see that every single XXXX of the disputes she submitted were ruled \" unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a XXXX  or XXXX later. So now they are simply referencing their lazy effort from XXXX  ago, and saying \" we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single XXXX. But I want this to be read, so I'll just say that on the XXXX  page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single XXXX of them has happened nearly every single XXXX  since XX/XX/year> : Incorrect information on your report ( account or personal information incorrect, information not mine ) Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or XXXX XXXX Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes Problem with a company 's investigation into an existing problem Which best describes your problem? \n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised","date_sent_to_company":"2024-04-29T14:54:29.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"8865966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-26T07:12:11.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["<em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Which best describes your <em>problem</em>?"]},"sort":[13.977566,"8865966"]},{"_index":"complaint-public-v1","_id":"8864121","_score":13.977566,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because XXXX is reporting truth, or that they make things hard to dispute, they simply don't put XXXX ounce of effort in from the bottom to the highest person I've spoken with at their company. \nI have decided to just give up on trying. \nI spent the last XXXX weeks on the phone calling creditors with a XXXX  specialist, XXXX XXXX. Nearly all XXXX  from XXXX am to XXXX pm, calling and sitting through the things that I do on a XXXX  basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from XXXX. The XXXX time i've had any shred of hope at all. \nAfter we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a couple of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney  XXXX  our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a ton of things. I felt like I was maybe going to make it out of this alright. \nIm sitting up at XXXX looking at my credit report because I can't sleep like usual. I see that every single XXXX of the disputes she submitted were ruled \" unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a XXXX  or XXXX later. So now they are simply referencing their lazy effort from months ago, and saying \" we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single XXXX. But I want this to be read, so I'll just say that on the XXXX page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single one of them has happened nearly every single XXXX since XX/XX/year> : Incorrect information on your report ( account or personal information incorrect, information not mine ) Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes Problem with a company 's investigation into an existing problem Which best describes your problem? \n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised","date_sent_to_company":"2024-04-26T07:12:15.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"8864121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-26T07:12:11.000Z","state":"AZ","company_public_response":null,"sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["<em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Which best describes your <em>problem</em>?"]},"sort":[13.977566,"8864121"]},{"_index":"complaint-public-v1","_id":"8864572","_score":13.939224,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because experian is reporting truth, or that they make things hard to dispute, they simply don't put one ounce of effort in from the bottom to the highest person I've spoken with at their company. \nI have decided to just give up on trying. \nI spent the last 2 weeks on the phone calling creditors with a restoration specialist, XXXX XXXX. Nearly all day from XXXX XXXX to XXXX XXXX, calling and sitting through the things that I do on a daily basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from experian. The first time i've had any shred of hope at all. \nAfter we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a couple of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney subpoeina our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a ton of things. I felt like I was maybe going to make it out of this alright. \nIm sitting up at midnight looking at my credit report because I can't sleep like usual. I see that every single one of the disputes she submitted were ruled \" unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a day or two later. So now they are simply referencing their lazy effort from months ago, and saying \" we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single day. But I want this to be read, so I'll just say that on the first page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single one of them has happened nearly every single day since XXXXXXXX XXXX : Incorrect information on your report ( account or personal information incorrect, information not mine ) Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes Problem with a company 's investigation into an existing problem Which best describes your problem? \n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised","date_sent_to_company":"2024-04-26T07:12:04.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"8864572","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-26T06:51:41.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["freezes <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Which best describes your <em>problem</em>?"]},"sort":[13.939224,"8864572"]},{"_index":"complaint-public-v1","_id":"6422910","_score":13.859303,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX A family trust savings account was opened inside a Truist XXXX bank branch in XXXX XXXX, Ga. The amount transferred from my existing checking on XX/XX/XXXX to open the savings was {$50.00}. \n\nI banked with SunTrust bank for more than 30 years, before this joint venture called Truist without any problems. I had 2 other accounts with large balances and this savings made 3 active accounts. My accounts with online banking are set up with alerts. I received daily account balances via Emails. \n\nOn XX/XX/XXXX, I received an Email alert that my new savings account had a low balance of {$0.00}. No further explanation. I attempted to log into my account which I had done the even before without any problems and could not get into my accounts. When I attempted to log in, I saw a log in that was not me. That log in began with a \" B ''. I continued to attempt to log in and received a message, my account was locked. I called customer service and was asked if I had tried to log on and what happened. I was told to attempt log in again, which I had already started. This time I got into my online account without any problem. Customer support saw that my account was closed and had a {$0.00} balance. They tried to determine what happed but could not find an answer and suggested I call or go to the branch. I went to the branch on XX/XX/XXXX the day the Email was received. \n\nI spent more than one hour at the branch while many calls were made within Truist to determine what happened. There was no justification. At the branch I was told that the funds would be restored and the account would be re-activated because no one found notes or policy that justified the closure. I was told at that time that further investigations would be had and to expect a call from the service attendant at the branch by the next day. I did not receive a call, therefore I called her and she told me they are still investigating and would get back with me. I have not heard back. \n\nI contacted the Fraud line on XX/XX/XXXX. The service attendant looked for notes on my account. She found that the account was closed, no justification. The full amount of my deposit of {$50.00} was drawn from the account and a check was issued. Nothing she could do online. Referred me to the branch, again. \n\nOn XX/XX/XXXX I received the first mailed account summary since the account was opened. It verified the account #, the account balance of XX/XX/XXXX of {$50.00}, and statements for XXXX XXXX XXXX XXXX XXXX \n\nOn XX/XX/XXXX I called the Fraud line and asked for an investigation. The attendant found notes that a check in the amount of {$50.00} was in process to be mailed to my address of record. No justification could be located from internal notes as to why the closure of the account and the refund. The check, she said was mailed on XX/XX/XXXX. I have not received the check as of this date, XX/XX/XXXX. \n\nI was told that an internal \" research request '' was established on XX/XX/XXXX to determine why account was closed. The fraud department is expected to get back with me after their research either by Email and/or phone call.","date_sent_to_company":"2023-01-10T17:02:00.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"30088","tags":"Older American","has_narrative":true,"complaint_id":"6422910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-01-10T16:03:03.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I attempted to log into my account which I had done the even before without any <em>problems</em> and could not get into my accounts. When I attempted to log in, I saw a log in that was not me. That log in began with a \" B ''. I continued to attempt to log in and received a message, my account was locked. I called customer service and was asked if I had <em>tried</em> to log on and what happened. I was told to attempt log in again, which I had <em>already</em> started."]},"sort":[13.859303,"6422910"]},{"_index":"complaint-public-v1","_id":"14005683","_score":13.551299,"_source":{"product":"Mortgage","complaint_what_happened":"Dear Sir or Madam : I am writing to complain about deceptive trade practices committed by my mortgage company, Shellpoint Mortgage Servicing. I have been paying my mortgage to Shellpoint for some years now, and have not missed any payments or sent late payments. When I accessed my account online on XX/XX/year>, I received a message that it was inactive. Then the next day, XX/XX/year>, I received an escrow statement in the mail which showed my account to be active with no problems. However, my online account was still inactive whenever I tried to access it. I then attempted to contact Shellpoint directly, but failed completely. The answering machine would ask me to provide my information, then I would be transferred to an operator. I entered my loan number, my social security number, my phone number, and my address, and got the response that they could not authenticate my information ; then the answering machine would say goodbye, and hang up. The website stated I could email them regarding any problems at XXXX, and I sent them a detailed letter explaining my simple desire to pay my mortgage and the roadblocks they had thrown in my way. I never received a response from them, or even an acknowledgement that my email had been received. I am now convinced that this is a tactic of Shellpoint to accomplish two things : first, they want to rack up late fees and penalties on my account that they can use to demand more money from me than they are already receiving, and after that, to steal my house from me. I have had my loan transfer from one mortgage company to another in the past ; in these cases the existing mortgage company would inform me of the transfer about one month in advance, and the upcoming mortgage company would contact me to introduce themselves and verify that my information was correct. Shellpoint has just abandoned me with no way to contact them or to ensure that my account is current. I am requesting your help in investigating these deceptive and unethical business practices that present a genuine threat to my home. I have exhausted all attempts to contact Shellpoint and badly need your assistance in resolving this situation. Please give this matter your immediate attention before Shellpoint takes additional deceptive, unethical, and illegal action against me. Thank you for your consideration.","date_sent_to_company":"2025-06-11T01:38:44.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"77083","tags":"Older American","has_narrative":true,"complaint_id":"14005683","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-06-11T01:27:56.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["I <em>have</em> been paying my mortgage to Shellpoint for some years now, and <em>have</em> not missed any payments or sent late payments. When I accessed my account online on XX/XX/year>, I received a message that it was inactive. Then the next day, XX/XX/year>, I received an escrow statement in the mail which showed my account to be active with no <em>problems</em>. However, my online account was still inactive whenever I <em>tried</em> to access it. I then attempted to contact Shellpoint directly, but failed completely."]},"sort":[13.551299,"14005683"]},{"_index":"complaint-public-v1","_id":"3335909","_score":13.525261,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and Transunion, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran and this is causing me XXXX XXXX and XXXX  because the agencies are failing to follow the rules that are set forth by CFPB. I need help. \n\nHide full complaint What product or service is your complaint about? \n\nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having? \n\n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes What happened?\n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and Transunion, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX  balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that  information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more XXXX XXXX and XXXX because the agencies are failing to follow the rules that are set forth by CFPB. I need help.","date_sent_to_company":"2019-08-10T06:12:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38115","tags":"Servicemember","has_narrative":true,"complaint_id":"3335909","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-08-10T02:12:09.000Z","state":"TN","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":["PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of <em>problem</em> are you <em>having</em>? \n\n\nISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>HAVE</em> YOU <em>ALREADY</em> <em>TRIED</em> TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nYes What happened?\n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.525261,"3335909"]},{"_index":"complaint-public-v1","_id":"3335905","_score":13.525261,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from Equifax, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX s account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran and this is causing me undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help.\n\nHide full complaint What product or service is your complaint about?\n\nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having?\n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?\n\nYes What happened?\n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from Equifax, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX s account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help.","date_sent_to_company":"2019-08-10T06:12:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38115","tags":"Servicemember","has_narrative":true,"complaint_id":"3335905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-08-10T01:49:01.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of <em>problem</em> are you <em>having</em>?\n\nISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>HAVE</em> YOU <em>ALREADY</em> <em>TRIED</em> TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY?\n\nYes What happened?\n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.525261,"3335905"]},{"_index":"complaint-public-v1","_id":"3335907","_score":13.517432,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran and this is causing me undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help. \n\nHide full complaint What product or service is your complaint about? \n\nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having? \n\n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nXXXX What happened? \n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help.","date_sent_to_company":"2019-08-10T06:12:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38115","tags":"Servicemember","has_narrative":true,"complaint_id":"3335907","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2019-08-10T02:12:09.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of <em>problem</em> are you <em>having</em>? \n\n\nISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>HAVE</em> YOU <em>ALREADY</em> <em>TRIED</em> TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nXXXX What happened? \n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.517432,"3335907"]},{"_index":"complaint-public-v1","_id":"3406441","_score":13.185523,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had contacted an apartment complex named XXXX XXXX in XXXX Az as i had recieved an alert on my credit profile as to a derogatory mark put on my report. I looked at it. Never have I lived in there apartment community nor have I ever in my life lived in an apartment. I contacted XXXX XXXX and explained to them that I have never had any accusation with their company in any way. They stated that they have a signed lease agreement between myself and their company. I informed them that that was impossible. I tried to discuss options to get thisa removed and the only solution is that i pay {$3700.00} for a debt that is a completely false representation of facts. And that I am not responsible for and had no knowledge of this facility even existing until they issued a fraudulent debt in my name. After an hour of conversation I got no where with the person I was talking to. They showed zero interest in looking into the problem. So I asked if they could print a copy of the contract so i could see it. The person told me that I had already wasted an hour of their time and that she would not be sending me anything. Next i Contacted the Credit bureau and expressed all my concerns to them. They said they would investigate the situation and for me to send them any documentation to verify my claims. How do you actually do that? Something I am not responsible for and for a place I had never heard of? Makes no sense. Approximately 10 days Later I recieved a letter stating that they determined it was an accurate debt. That I am responsible for it and that it will remain on my credit profile. Which I don't understand how a company is allowed to just submit unverified debts. I resubmitted resubmitted my dispute in the form of a 609 dispute letter twice. With no response which is ridiculous that Credit Bureau Companies are not held to an equal standard for all. There ethics and integrity are absolutely flawed with no reproductions for their part in the false representation of facts. Now I send the information to Consumer Finance and can only hope they can assist. I should not have to hire a lawyer because a company creates fraudulent debt.","date_sent_to_company":"2019-10-15T21:44:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28152","tags":null,"has_narrative":true,"complaint_id":"3406441","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-10-15T20:43:07.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["And that I am not responsible for and had no knowledge of this facility even <em>existing</em> until they issued a fraudulent debt in my name. After an hour of conversation I got no where with the person I was talking to. They showed zero interest in looking into the <em>problem</em>. So I asked if they could print a copy of the contract so i could see it. The person told me that I had <em>already</em> wasted an hour of their time and that she would not be sending me anything."]},"sort":[13.185523,"3406441"]},{"_index":"complaint-public-v1","_id":"14082134","_score":12.734504,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"A Account for XXXX XXXX was made that wasn't me I was in jail ... Inactive modal Inactive modal Submit a complaintStep 2 of 5 What type of problem are you having?\n\nMost of the other personal consumer report complaints we get are about one of the following topics. Select the one that best describes your complaint. You will have the chance to explain your complaint in detail in the next step.\n\nIncorrect information on your report ( account or personal information incorrect, information not mine ) Problem with a company 's investigation into an existing issue Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Identity theft protection or other monitoring services ( billing dispute, unwanted marketing, problem cancelling account ) Which best describes your problem? \n\n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised Have you already tried to fix this problem with the company? \n\n\nYes No Did you request information from the company? \n\n\nYes No PreviousNext Step2 of 5 About us Were the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.\n\nLearn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? \n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday - Friday ( except federal holidays ). \n\nMore than XXXX languages available. \n\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday through Friday ( except federal holidays ). \nMore than 180 languages available.\n\nAn official website of the United States Government Close Privacy Act Statement Privacy Act Statement 5 U.S.C. 552a ( e ) ( 3 ) The information you provide will permit the Consumer Financial Protection Bureau ( CFPB ) to respond to your complaint or inquiry about companies and services we regulate. Information about your complaint or inquiry ( including your personally identifiable information ( PII ) ) may be shared : with the entity that is the subject of your complaint ; with third parties as necessary to get information relevant to responding to your complaint ; with a court, a party in litigation, a magistrate, an adjudicative body or administrative tribunal in the course of a proceeding, or the Department of Justice ; and with other federal or state agencies or regulatory authorities for enforcement and statutory purposes. \nWe may also share your complaint or inquiry ( but not your PII ) with the public through the public Consumer Complaint Database.\n\nAlthough the Bureau does not otherwise anticipate further disclosing the information provided, it may also be disclosed as indicated in the Routine Uses described in the System of Records Notice CFPB.005 Consumer Response System.\n\nThe collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1011, 1012, 1013 ( b ) ( 3 ), 1021, 1034, codified at 12 U.S.C. 5491, 5492, 5493 ( b ) ( 3 ), 5511, 5534. \nSubmitting a complaint is voluntary. You are not required to submit a complaint or share any PII, including your Social Security number, and you may withdraw your complaint at any time. However, if you do not include the requested information, the CFPB may not be able to process your complaint.\n\nInactive modalInactive modal","date_sent_to_company":"2025-06-14T11:29:48.000Z","issue":"Getting a line of credit","sub_product":"Personal line of credit","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"14082134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-14T11:11:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Problem</em> canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising <em>Problem</em> with product or service terms changing Didn't receive services that were advertised <em>Have</em> you <em>already</em> <em>tried</em> to fix this <em>problem</em> with the company? \n\n\nYes No Did you request information from the company?"]},"sort":[12.734504,"14082134"]},{"_index":"complaint-public-v1","_id":"10106131","_score":11.809294,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB closed my original complaint but Equifax did NOT solve the problem. I still cant login to my account. \n\nXXXX XXXX XXXX XXXX  CFPB complaint : Im locked out of the myequifaxXXXX  online account. All attempts to login and/or reset password end up with same error msg \" we are temporarily unable to complete this request ''. I've talked with four agents. All follow the same steps and end by saying it will be escalated and I will be contacted within a week. I have not received and follow up or fix. I see other people complain about same issue online. It's possible that it started because equifax had my old address. But that was updated by the first agent that worked with me. It did not help. I first called equifax on XXXXXX/XX/year>. I have called five times including today, XXXX \n\nXXXX XXXX XXXX  Company 's Response according to notification from CFPB : Dear XXXX XXXX, In reviewing your MyEquifax account, it was discovered that your registration was incomplete. Please attempt to register again at MyEquifaxXXXX. You will be able to access your MyEquifax account after registration is completed. If you experience any issues, please contact our consumer care department at XXXX between XXXXXXXX XXXX XXXX XXXX, 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. Thank you for contacting Equifax, Equifax Consumer Care Team XXXX XXXX  Ive already informed Equifax that when I try to register again at MyEquifaxXXXX that I get the error You have an existing account. The companys suggestion was useless. \n\nHere are the final two communications between Equifax and me. \n\nXXXX XXXX XXXXXX/XX/year> Equifax : Dear XXXX XXXX, I've sent you the account recovery link from the system. Please ensure that you are not using a private window, no vpn, and that your cache and cookies, along with browsing history is deleted. Should you still receive an issue a ticket has been put in to further investigate the issue. \nRespectfully, Equifax Executive Consumer Services ref XXXX XXXX XXXX XXXX ref XXXX XXXX XXXX  My Reply : I'm not using a private window or vpn. I cleared my cache and cookies, along with browsing history. I get the same error on my desktop PC as well as on my phone. I had your staff try it and THEY got the same error. \nAny suggestions? \n\nXXXX XXXX There was no further reply from Equifax. So far they've only supplied the same boilerplate strategies that I get when I call them at XXXX for months. I don't think they've made any attempt to get a higher level of tech assistance.","date_sent_to_company":"2024-09-12T23:37:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34787","tags":"Older American","has_narrative":true,"complaint_id":"10106131","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-12T23:33:33.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["We sincerely apologize for any inconvenience this issue may <em>have</em> caused. Thank you for contacting Equifax, Equifax Consumer Care Team XXXX XXXX  Ive <em>already</em> informed Equifax that when I <em>try</em> to register again at MyEquifaxXXXX that I get the error You <em>have</em> an <em>existing</em> account. The companys suggestion was useless. \n\nHere are the final two communications between Equifax and me. \n\nXXXX XXXX XXXXXX/XX/year> Equifax : Dear XXXX XXXX, I've sent you the account recovery link from the system."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[11.809294,"10106131"]},{"_index":"complaint-public-v1","_id":"18614060","_score":11.079813,"_source":{"product":"Checking or savings account","complaint_what_happened":"Around XX/XX/25, I tried to transfer my money ( about {$5700.00} ) from my savings account with Ally Bank to a new banking institution ( XXXX ). I accidentally typed in the wrong type of account when setting up the transfer. Basically, I accidentally set up a transfer to a non-existing account. This triggered Ally 's fraud detection and they put a hold on my account so I could no longer access it. Up until here, I had no issue. I recognize that I made a mistake. \n\nMy problem is that it's been almost two months and I still have not been able to access my money. I've called numerous times. Ally Customer Service is horrible. I have a XXXX that makes phone calls very difficult for me and it feels like after I mentioned that, Ally customer service agents are deliberately giving me a harder time. They gave me many different excuses when I called throughout XXXX and XXXX try to get this issue resolved. At first they didn't tell me they needed anything from me, I just needed to give them time for the Fraud Department to investigate. I called back the following week and was told again just to wait for their department. I tried calling a few times and got different excuses. One time, it was because the Fraud Department decided to leave early that day. Another, it was because the Fraud Department doesn't work on XXXX ( even though this is not information I can find online ). So every time I call, I'm having to take time out of my work day to get in touch with the Fraud Department. One of the agents I talked to during this was also very rude and mocked me over the phone when I said I wanted to escalate the issue. She said \" I'll write in the notes that you'd like to escalate the issue. '' When I tried asking what that meant in terms of what would happen with my case, she just said \" It'll be in the notes that you requested to escalate ''. I also had a number of agents simply hang up on me, after I'd already spent 20-60 minutes on hold, fighting through the robo-voice menu to get to a human, verifying my identity, and re-explaining my whole situation. When that happened, I was forced to call back and start over. \n\nFinally, on XX/XX/25, an agent told me that Ally actually does need some documents from XXXX. They asked for a letter from my external bank verifying routing number for ACH, account number for ACH, type of account, and the reason why the bank returned the transfer for non-transaction. XXXX said they could not give me a document regarding the reason for the return, because that non-transaction was not related to any account that belongs to me ( or even any account that actually exists ). I explained this to Ally and sent them the requested documents on XX/XX/25. Ally still has not lifted the hold on my account, they insist that they need a letter from XXXX that XXXX can not give me, for reasons I've explained over and over. \n\nIt seems like I'm just talking to AI bots over messaging, and that the people I eventually reach over the phone don't read the case notes. I always have to explain everything from the beginning just to end up at the same place. Ally is asking me for a document that is impossible for me to give them. At this point I've wasted dozens of paid working hours on this issue, I don't know what else I can do.","date_sent_to_company":"2026-01-09T22:25:16.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"021XX","tags":null,"has_narrative":true,"complaint_id":"18614060","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2026-01-09T21:58:53.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["My <em>problem</em> is that it's been almost two months and I still <em>have</em> not been able to access my money. I've called numerous times. Ally Customer Service is horrible. I <em>have</em> a XXXX that makes phone calls very difficult for me and it feels like after I mentioned that, Ally customer service agents are deliberately giving me a harder time. They gave me many different excuses when I called throughout XXXX and XXXX <em>try</em> to get this issue resolved."]},"sort":[11.079813,"18614060"]},{"_index":"complaint-public-v1","_id":"2790418","_score":10.021523,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This new Complaint number is my Feedback to Company 's Response of XX/XX/XXXX that I failed to send due to some problems in the computer system. This is intended to enable Consumer Finance Protection Berau ( CFPB ) and Citibank N.A. XXXX to have the factual information, as feedback to ( Citibank 's ) Company 's Response of XX/XX/XXXX to my Complaint no XXXX of XX/XX/XXXX. \n\nMY FEEDBACK ON THE COMPANY 'S RESPONSE OF XX/XX/XXXX TO MY COMPLAINTS NO XXXX of XX/XX/XXXX. \nMy Feedback to Company 's Response Sentence 1 ( MF TO CRS 1 ). Citibank, in their Company 's response Sentence 1 ( CRS 1 ), twisted the facts about my identity as existing Citibank Customer i.e. 1. I am not only Citibank existing CREDIT CARD AND READY CREDIT customer, but I am also Citibank existing customer of SAVING AND INVESTMENT account. 2. Citibank has stolen my money from my SAVING AND INVESTMENT account. This is why Citibank elliminated my identity as Customer of their SAVING AND INVESTMENT account. 3. I never received those four credit cards 4. These four Credit Cards are all unsolicited. Citibank made a mess to my credit and debit accounts and violated, A. The U.S. Department of the Treasury Regulation Z, for issuing unsolicited Credit Cards prohibited to be issued by a Bank for any uses. B. The XXXX Banking Law no.10 year XXXX   Article 49 ( 1 ) a, b and c, for stealing and eliminating my debit account. MF TO CRS 2. On XX/XX/XXXX I was already XXXX years old of age, I had been no longer qualified for Citibank 's ADD ON CARD PROGRAM according to XXXX XXXX Regulation number 14/02/PBI/2012 chapter 15 A. Paragraphs ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ) and ( 6 ), Chapter 16 Paragraphs ( 1 ), ( 2 ) and ( 3 ). Citibank is to be reported to XXXX   XXXX and further investigated How Citibank could unilaterally offer and unsolicitedly issue those four credit card accounts with no cards delivered to me and whether they are officially recorded and reported to XXXX XXXX and The Federal Reserves of Banks of America? MF TO CRS 3. On XX/XX/XXXX, I protested Citibank for sending me sms billings dated XX/XX/XXXX charging me for annual fees of the unsolicited four credit card accounts without any cards ever delivered to me. This is to be reported to XXXX XXXX and further serves to be my detail report to The CFPB. Citibank can not try to collect any charges of any transactions that have never occured/been made. MF TO CRS 4. I never had a telemarketing conversation with Citibank On XX/XX/XXXX as I had been not anymore qualified for Citibank 's ADD ON CARD PROGRAM following XXXX   XXXX Regulation number 14/02/PBI/2012 chapters 15 A and 16. I had never been contacted by Citibank further after that date for Citibank to comply with the CONSUMER PROTECTION PRINCIPLE of XXXX XXXX Circular Letter No. 14/17/DASP of XX/XX/XXXX. I never have received or signed any written agreement for the offer and never accepted any card delivered to me up untill now. MF TO CRS 5 I  severely object Citibank mentioning in their sentence 5 that my outstanding principal Credit Card as \" 'original transaction that I used are not disputable '' My principal credit card is in BIG AND SERIOUS DISPUTE WITH CITIBANK . I refuse to pay my outstanding credit card balance and I accepted the Citi Ready Credit offer to discontinue payments until this dispute is resolved. The U.S. Department of the Treasury advice as published states that I would not need to pay as I already filed a proper billing dispute. The bank can not try to collect any required payment, while the dispute is being investigated. MF TO CRS 6. Citibank had not closed all the four unsolicited credit cards on XX/XX/XXXX according to XXXX XXXX Regulation number 14/02/PBI/2012 Chapter 16 Paragraphs ( 1 ) letters g and h. There have never been any official document closing so far. Besides on XX/XX/XXXX in response to my queries these four unsolicited credit cards were reported to me verbally to have been still active on System Screen of XXXX XXXX XXXX of XXXX Florida USA. \n\nMF TO CRS 7,8,9,10 and 11. I have the right to raise complaints and to process a lawsuit to Citibank, if Citibank does not resolve the following three FELONIES they did to me causing severe financial losses on My Part during XX/XX/XXXX to XX/XX/XXXX period, AND NOT IMPOSSIBLE, TO THE GOVERNMENTS OF XXXX AND AMERICA i.e. : 1. Citibank issued four unsolicited credit cards under my name. 2. Citibank elliminated Dates of Transactions of Monthly Easy Pay Transactional Reports to me and to XXXX Customers and made unauthorized payments for unauthorized charges during XX/XX/XXXX - XX/XX/XXXX ( 26 years ) period. 3. Citibank Illegaly withdrew my money from my personal Saving and Investment Account on XX/XX/XXXX. The mediation process by XXXX XXXX on XX/XX/XXXX failed to reach a resolution on all of the three FELONIES Citibank did to me. Citibank silently denied and avoided to resolve the three FELONIES and instead offer me for so called a settlement deduction program for the outstanding balance in my Credit Card and Ready Credit accounts. I vehemently refuse this so called \" GOOD WILL '' on their offer for payment deduction. I demand for a ). Consumer Financial and legal Protection by any Law Institutions, b ). return of my money stolen by Citibank and c ). reimbursements by Citibank to repair the financial/ material and immaterial losses I suffer using this Formula { A x ( 1 + B ) x C } where A = the total amount of debt claimed that have no dates of transactions during XX/XX/XXXX - XX/XX/XXXX ( 26 years ) period. B = the monthly interest rate reimbursing my business return rate lost. C = number of settlements I made during the period of XX/XX/XXXX to XX/XX/XXXX. MF TO CRS 12, 13, 14, 15, 16 and 17. Citibank can not implement their Credit card terms and conditions of clauses nos 6.2 and 9.5. They are INVALID by operation of law according to the XXXX Law no 8 of year XXXX Chapter V Provision to Include Standard Clause Article 18 Paragraphs ( 1 ), ( 2 ), ( 3 ), and ( 4 ) on Consumer Protection. Citibank can not use their clauses as they contain unilateral actions by Citibank and contravene law no 8 of XXXX and The U.S. DEPARTMENT OF THE TREASURY regulation that states that Banks can not try to collect any portion of any required payment related to the disputed amount while the dispute is being investigated. Even under normal circumtances Banks can not treat their Consumer this type of FELONY. This is a robbery by Citibank. \n\nMF S 18, 19, 20, 21, and 22, The dispute on Citibank manipulating, elliminating data and stealing my money is not about a discussion on a terminology. This is about a violation/harrassments of XXXX XXXX Regulation no 14/02/PBI/2012 Chapter 16 B Leter e by Citibank. This regulation stipulates that dates of transactions are one of the minimum fourteen data / information that must be included in Citibank BILLING STATEMENTS submitted to me and/or other cardholder ( s ). Citibank 's definition on Easy Pay does not recognize that both retail transaction and fixed installment transaction must have dates of transactions. Elliminating these dates are certainly a violation of/damaging XXXX XXXX Regulation no 14/02/PBI/2012 Chapter 16 B Leter e. Citibank has to be audited, investigated and must be held responsible to reimburse the financial losses for applying this elliminated and corrupted information for all Citi Customers in XXXX as they stated in Company 's Response Sentence no. 22 ( CRS 22 ). MF S 23, 24, 25, and 26, Citibank administer transactions in this ONE BILL SERVICE program only with telephone calls never with other electronic device and hardcopy documents. Bills from the utility companies never delivered to me. I complained and requested for termination of this service but only after more than 5 years Citibank closed them with no communication enabling Citibank to make unauthorized payments for unauthorized charges with their manipulators and collaborators. Citibank is to be audited and investigated by XXXX   XXXX and The Federal Reserves of Banks of America. Ciibank is to be made legally responsible to reimburse for these big losses I suffer as caused by Citibank violation of XXXX Government Regulation NO. 82 year XXXX concerning Electronic System and Transaction Operation CHAPTER IV IMPLEMENTATION OF ELECTRONIC TRANSACTIONS Part 3 Articles 46, 47, 48, 49, 50 and 51.","date_sent_to_company":"2018-01-26T14:57:40.000Z","issue":"Fraud or scam","sub_product":"Credit repair services","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2790418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-01-23T06:19:11.000Z","state":null,"company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Department of the Treasury advice as published states that I would not need to pay as I <em>already</em> filed a proper billing dispute. The bank can not <em>try</em> to collect any required payment, while the dispute is being <em>investigated</em>. MF TO CRS 6. Citibank had not closed all the four unsolicited credit cards on XX/XX/XXXX according to XXXX XXXX Regulation number 14/02/PBI/2012 Chapter 16 Paragraphs ( 1 ) letters g and h. There <em>have</em> never been any official document closing so far."]},"sort":[10.021523,"2790418"]},{"_index":"complaint-public-v1","_id":"3213038","_score":9.784131,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/XXXX - Our XXXX XXXX truck broke down near XXXX, XXXX, approximately four hours  away from home. It was towed to XXXX XXXX XXXX for repair. Discussions with XXXX at XXXX XXXX were to diagnose and repair the problem, investigating the lift pump first. We informed them of a 10 day vacation, using the truck, we had planned for XX/XX/XXXX. \n\nXX/XX/XXXX - After no word from XXXX XXXX, we called for an update. They said they would not get to the truck until next week. As the seal is the most common cause for the symptoms the truck was displaying, we preemptively ordered the correct seal to be delivered to them just in case. \n\nXX/XX/XXXX - After no word from XXXX XXXX, we called for an update. While they had not attempted any real diagnosis, they had recently received a seal and were planning to try it to fix the problem. \n\nXX/XX/XXXX - XXXX XXXX called and said that they investigated and determined that the problem was with the Injection Pump. They attempted to replace the seal on the pump but when that did not work they replaced the entire injection pump ( available for {$800.00}, they charged us {$1600.00} for this part ). This part had been replaced approximately 25,000 miles ago so we were surprised to hear that this was the problem. We suggested the lift pump could be the problem but they assured us that they had looked at it and could not see any fault. \n\nXX/XX/XXXX - XXXX XXXX told us the truck would be ready the morning of XX/XX/XXXX. We drove the 4 hours north to pick up the truck. \n\nXX/XX/XXXX - ( XXXX ) The truck was not ready but they finished the repairs while we waited. \n( XXXX ) They charged us {$2600.00} for this repair. We paid, left with the truck and began driving home. Approximately 15 miles south of the mechanics location the truck broke down again with the same problem. \n( XXXX ) It was towed back to XXXX XXXX XXXX. \nWe cancelled our vacation. \n\nNearly a month passes with no word from XXXX XXXX. \n\nXXXX/XXXX/XXXX - We called XXXX XXXX asking for a status on the repair and they told us they decided to send the truck to another mechanic who specializes in diesel engines, an additional 45 minutes away. \n\nNearly another month passes with no word from XXXX XXXX. \n\nXX/XX/XXXX - We called XXXX XXXX asking for a status on the repair and they told us it had been moved to the new mechanic and had been repaired. XXXX XXXX did not take responsibility for the misdiagnosed repair or offer to return any portion of our money. \n\nXX/XX/XXXX - We called the new mechanic, XXXX XXXX in XXXX, CA, and they told us the truck had been fixed. After a simple and inexpensive pressure test, they determined the problem was with the lift pump, a part XXXX XXXX assured us was not the cause. \n\nXX/XX/XXXX - We drove the 5 hours up to XXXX to pick up the truck. It was determined that the lift pump was indeed bad. The repair cost was {$1300.00}, for a new lift pump and a new seal in the injection pump. \n\nThe work order at XXXX XXXX was in XXXX XXXX name as they asked them to take over their existing job. Unfortunately, XXXX required that we pay this bill before leaving with our truck. Prior to paying the bill, we called XXXX at XXXX XXXX to try and work with them to cover the cost. The conversation was civil, but XXXX would not take ownership of his mistakes, or work with us in any way. He refused to pay for the work order he submitted to XXXX. \n\nXXXX confirmed that while the lift pump was blowing the seal on the injection pump, the injection pump itself would not have gone bad because of the problem. The injection pump XXXX XXXX replaced was not bad, it only had 25k miles on the rebuild. Only the seal needed replacement. \n\nThere are a couple of things XXXX could have done to prevent this situation : A simple pressure test on the original lift pump would have confirmed that indeed that was the problem ( they did not perform this test ). It was the FIRST thing XXXX did. \nStop. While they were trying to do their best to help, they should have stopped when they didnt have the right tools to do the job. This cost everyone time and money on replacing a part we didnt need. \n\nWe were extremely patient and cooperative throughout the whole process, but waiting nearly two months for them just to move the truck to another mechanic is beyond a reasonable time frame. XXXX XXXX charged us a large amount of money yet failed to make any improvement to the original problem. And to add to our costs, we lost a vacation, had to take time off of work to accommodate shop hours , drive even further, and pay more money, to get the truck back. For these reasons, we are requesting a chargeback for the {$2600.00} they took for the ineffective repair. \n\nComments below are correspondence since the initial request to chargeback : XX/XX/XXXX - XXXX   letter of resolution : that XXXX XXXX cover XXXX bill ; by doing so, we will send them the difference ( as chargeback had already occurred ) and clear any issues with Citi. \n\nXX/XX/XXXX - Upon signing in to our Citi account, saw that the XXXX XXXX chargeback had been reversed. We received no letter, or email communication on this matter. We had received a letter from Citi saying our email wasnt working, but we have had emails from other senders, so are not sure what the issue is, other than it must be on their end. \n\nXX/XX/XXXX, XXXX - called Citi about above communication issue, she made a note that we were having communication issues, and should be able to get a rebuttal in by the new year. \n\nXX/XX/XXXX, XXXX - emailed rebuttal to Citi XX/XX/XXXX - Citi closed our dispute citing a quality issue ( we did not receive an email, nor did we see this until logging in on XX/XX/XXXX XXXX XX/XX/XXXX - called XXXX XXXX spoke to XXXX XXXX talked him through everything, reiterated last rebuttal email and he reopened the dispute with a different purpose as he thought it was more appropriate. Reopened under services not as described I noted we were only looking for the XXXX amount to be covered, we are not out to XXXX XXXX XXXX. \n\nXX/XX/XXXX - called XXXX after receiving an email for updated correspondence today. ( online correspondence was dated 1/10 and noted that they were closing the dispute due to it being outside the time frame window ). The first call was around 2pm when they told me that the dispute was closed due to quality of work not being something that can be disputed. Unfortunately, I failed to recall that this was the initial reason for the dispute and not the updated one. I called back around XXXX and was told first that they hadnt received an update from the XXXX, so when I mentioned the letter, XXXX reversed her statement and said that it was indeed because it was outside the window. As this was not our fault, I asked to reopen and she said they had the investigator has  the final word and that it was closed. I asked to speak to a supervisor as the communication issues were on Citis end, and out of my control. I should be getting a call in XXXX hours. XXXX did offer a {$200.00} credit plus {$100.00} cash back to help offset the disputed charge. We should absolutely be within the reasons of quality of work not described as they didnt fix the problem. Once again I noted that we are not out to screw them, just want the XXXX amount back. \n\nXX/XX/XXXX - Citi Dispute Supervisor XXXX called me early afternoon. He has confirmed that they are indeed still investigating the partial chargeback ( for the XXXX bill amount ) under the revised service as not described appeal. He said they have reached out to XXXX XXXX who has until either XX/XX/XXXX or XX/XX/XXXX, it was hard to hear, to respond. One concern is XXXX claims a letter sent to me about this, and I have no record of it either physically or electronically. \n\nXX/XX/XXXX - called Citi to follow up as havent seen anything via mail/email/online about the follow up dispute. Rep ( XXXX? ) that I spoke to said all was closed until I mentioned the XXXX conversations and then she said there was a note about that. So we connected with a Supervisor XXXX XXXX ( Sr Account Manager ), who is filing a complaint about the XX/XX/XXXX call and investigating as it shouldnt have happened that way. He said because they didnt receive any signed authorization letter from us ( never sent/emailed by citi ) they couldnt investigate it under the new reason ( that would allow them to call XXXX to have them verify that XXXX XXXX didnt do the job they should have and been able to do ). So we are past the date. He has extended a {$100.00} cash credit and a {$100.00} refund on our card for troubles/mea culpa ( cant remember the words he used ) - I accepted only under the premise that it doesnt affect the potential for us to receive the full credited amount. \nNext move : Supervisor will review the calls, etc, and follow-up with me about any further info. \n\nXX/XX/XXXX - follow-up call as hadnt heard anything. XXXX emailed XXXX XXXX about re-opening the case, but only he can do as I accepted the XXXX XXXX+XXXX refund. I mentioned that I only agreed to that money if it didnt affect me re-opening and receiving the larger amount. XXXX said to expect a phone call from XXXX and that she would do a follow up too. \n\nXX/XX/XXXX - No follow ups from Citi as of yet. Emailed follow up to XXXX XXXX XXXX via billingdisputes email ) with the XXXX receipt and another plea for them to make things right and refund us the XXXX amount. \n\nXX/XX/XXXX, XXXX - No follow ups from Citi as of yet. I called ( specifically to speak to XXXX XXXX ) and spoke to XXXX ( after a 40 minute hold while they transferred me to the US branch ). Then to XXXX in XXXX, and after an additional 10 minutes was told to expect a call from XXXX in 24-48 hours as he was on another call and I wouldnt speak to anyone else as he has the history. XXXX said I promise he will call. I provided my cell for him to call as they had my work number. \n\nXX/XX/XXXX - no phone call from Citi as of yet. \n\nXX/XX/XXXX - never received the call back from XXXX XXXX. Received followup mail ( in the last few days ) dated XX/XX/XXXX claiming the dispute is closed and they cant do anything about it. And I will need to sue other means to obtain credit.","date_sent_to_company":"2019-04-16T00:21:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94501","tags":null,"has_narrative":true,"complaint_id":"3213038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-04-15T23:51:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["There are a couple of things XXXX could <em>have</em> done to prevent this situation : A simple pressure test on the original lift pump would <em>have</em> confirmed that indeed that was the <em>problem</em> ( they did not perform this test ). It was the FIRST thing XXXX did. \nStop. While they were <em>trying</em> to do their best to help, they should <em>have</em> stopped when they didnt <em>have</em> the right tools to do the job. This cost everyone time and money on replacing a part we didnt need."],"issue":["<em>Problem</em> with a purchase shown on your statement"]},"sort":[9.784131,"3213038"]},{"_index":"complaint-public-v1","_id":"2911692","_score":9.772318,"_source":{"product":"Checking or savings account","complaint_what_happened":"In earlyXX/XX/XXXX, I made a car insurance payment of {$520.00} by check. I mailed the check from a blue postal box on the street. Approximately two weeks later, on XX/XX/XXXX, I got a notice from the insurance company saying I hadn't paid yet and they were mailing a cancellation notice. At first I assumed the problem was with the insurance company, because I checked my account and saw that the check had been cashed. But then, on XX/XX/XXXX, I clicked on the check image and saw that that, apart from my signature, which had been left intact, the check had someone else 's handwriting on it. The check had been made out to XXXX, but it was now made out to XXXX XXXX. The amount was the same as the original check -- {$520.00}.\n\nI went immediately to the local TD Bank office and explained the problem. The clerk who I spoke with looked at the image and shared my reaction -- the handwriting on the check was clearly not mine, and she pointed out that you could see where the check lines had been inadvertently whited out. She didn't know how to deal with check fraud except by calling the bank 's fraud department, which she only knew how to reach through the same XXXX number that customers dial. The wait time was very long -- 45 minutes. She finally found out that she'd have to prepare some paperwork and I would have to sign an affidavit. She asked me to come back the next morning to complete my part of the paperwork, which I did. She also put my existing checking account on some sort of dormant status out of a concern for its security and opened a new checking account for me. I went through the process of turning off all of my direct deposits and payments and setting them up on the new account.\n\nWhen I went back to sign the affidavit, I asked how long it generally takes for a problem like this to get resolved. She said she thought it should be sorted out within a few weeks at which point they could close the dormant account, which sounded reasonable to me.\n\nA month or so later I checked my accounts online and saw that several thousand dollars had been transferred from my dormant checking account to the new checking account. I was concerned because I hadn't authorized that, so I called TD Bank 's customer service line. They explained that the transfer had been initiated by the local branch, for some reason. While I was on the line I asked whether they could give me an update on the check fraud issue, as I'd heard nothing more about it and was still missing {$520.00} from my account. They put me through to the fraud department where I waited on hold for somewhere between 40 minutes and an hour. When I finally spoke to someone, they told me that the incident of fraud could take as long as 3 months to be resolved. That seemed like a long time to me, so I asked why and I was told something to the effect of \" that's just how long it takes. '' I explained that the bank branch had told me to expect it to be resolved more quickly, and the response was, basically, \" well, they're wrong. '' A couple of months later, nearing the outside limit of when the fraud department told me the issue would be resolved, I called again for an update. I was again on hold for a very long time ( as I have been every time I've called their customer line. ) This time the fraud specialist couldn't tell me much of anything or explain what might be going on, so I asked to talk to a manager, hoping to get more information. The manager was unpleasant and seemed to think that my request for an update after nearly three months was unreasonable. After more than an hour on the phone, I'd gotten nowhere.\n\nFor the next two months after that I called every couple of weeks, hoping to find someone who could tell me what was going on. It began to be really frustrating. No one was ever able to give me a good time estimate, or tell me where my case was in the fraud resolution process, or explain why things were taking so long. At some point, after several calls like that, a fraud specialist told me that I shouldn't be trying to handle this problem through the fraud department at all, but would have to deal with it through my local branch office. That made me lose my mind a little, because I knew from experience that the local branch office would just call the same number that I had dialed. So I got discouraged and dropped it for a while, hoping it would just get resolved.\n\nLast month, onXX/XX/XXXX, I realized that it had been a full six months since I first reported the fraud problem and that I still didn't know whether it was any closer to being addressed. So I went to the local branch office and waited to talk to the manager, XXXX XXXX. I explained the situation to him. He looked me up in the system and could see when I'd made the initial complaint and that I'd checked on it a number of times, but he couldn't tell me anything more. He said it might be taking a long time because TD Bank might be waiting for the institution where the fraudulent check was cashed -- XXXX XXXX XXXX -- to reimburse them before reimbursing me, an explanation I'd never heard before. He said that to get an update, he'd have to call the fraud department, the same department I'd already spent hours calling with zero results except for a lot of wasted time and conflicting information. I told him that didn't make sense to me, because the last I'd heard from them, they couldn't resolve it and told me I would have to handle it through the local office. He said he was sorry but he had to call them and asked me to stay with him at his desk while he made that call. When the wait time was estimated at more than 30 minutes I said I had to get to work. He said that if I left he might not stay on hold, essentially threatening to not deal with the problem unless I stayed. I explained again that I'd already been through this process a lot and just didn't have time to be on hold for ages. He said okay, and that he would follow up with me. I gave him my number and he gave me his card.\n\nA week later, after hearing nothing from him, I sent an email reminding him of the issue. I didn't hear back. I went back to the bank in person, but he wasn't there. A week after my first email, I emailed again. It's now been a month since that XX/XX/XXXXvisit where I first met the bank manager, and I've still gotten no response.\n\nToday I decided to try to deal with the problem once and for all. I was on hold for more than 50 minutes before getting through to a fraud specialist named XXXX. I explained the situation and that it's now been seven months since the fraud was discovered and asked her if she could give me some kind of update. She said that the fraud department only create cases. She said there's no estimate as to when any investigation will be completed. She said she couldn't check on the status of the case, or even confirm that they'd received the signed affidavit I filled out 7 months ago, the document that was supposed to kickstart the fraud investigation in the first place. She said that instead of calling her, I should call the security department ( a department I've never heard of before ) and they should be able to tell me the status of things. She said she couldn't connect me, but she could give me a number. After so much time on hold, I was reluctant to get pushed off to someone else quickly, so I asked if I could speak to a manager. She went to find one but came back on the line saying that no one was available. I asked if she could have a manager call me back. She verified my phone number and said that she would escalate the issue to a manager given the amount of time that's passed since I reported the fraud. But she couldn't promise that anyone would call me.\n\nI called the security department at the number XXXX provided. The wait time was comparatively short. A sympathetic banking specialist named XXXX   answered. I told her the story -- and also explained that I'm getting kind of desperate to get this sorted out because I'm XXXX and scheduled to XXXX XXXX  on Monday, and I really don't want to have this problem hanging out there unresolved. She told me to hold while she reached out to a manager who might be able to give me more information. A few minutes later she got back on the line and told me that the manager said I should reach out to the fraud resolution department -- the exact department that I've been calling for months, and that had just told me to call the security department instead. I explained all of that, and XXXX was very nice but said she really didn't know what to tell me. She said she wished she could help, but she isn't the person who has the information to help me. She said she knows from experience how hard it is to get in touch with the fraud department, because she's had to go through the process of getting in touch with them herself. But she said calling them back was the only thing she could tell me to do, because that's what her manager told her.\n\nBasically, I have been in stuck in a dysfunctional bureaucratic loop for seven months now. I have spent probably 20 hours of my time trying to get this resolved and as far as I can tell, I am no closer to having it sorted out than I was in XX/XX/XXXX of last year. I feel like a hostage, which sounds crazy and melodramatic, I know, but I have spent so much time trying to work this out, and all I get is a run-around. It's the worst customer service I've ever experienced anywhere. All I want to do is cancel my accounts and get as far away from TD Bank as I can. But I don't want to let them walk away with my {$520.00}.\n\nSticking with my resolution to try to get this worked out today, I followed XXXX XXXX instructions and called the fraud resolution department again. After another hour on hold, the same fraud resolution specialist that I'd spoken to earlier, XXXX, picked up again. I explained to her what had just happened. That I'd called the number she referred me to. That they'd referred me back to her. That I'd spent another hour on hold after already spending an hour waiting to talk to her the first time. I asked her to please put all of that in writing for her manager, because it's emblematic of what I've experience for the last seven months. I told her how frustrated I am to have spent two and a half precious hours of the little time I have remaining before I become XXXX XXXX trying to get answers from TD Bank, and I asked her to please convey that to her supervisor. She said she would. I have no faith that a resolution is coming any time soon.","date_sent_to_company":"2018-05-19T07:12:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11231","tags":null,"has_narrative":true,"complaint_id":"2911692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2018-05-19T03:05:27.000Z","state":"NY","company_public_response":null,"sub_issue":"Cashing a check"},"highlight":{"complaint_what_happened":["Basically, I <em>have</em> been in stuck in a dysfunctional bureaucratic loop for seven months now. I <em>have</em> spent probably 20 hours of my time <em>trying</em> to get this resolved and as far as I can tell, I am no closer to <em>having</em> it sorted out than I was in XX/XX/XXXX of last year. I feel like a hostage, which sounds crazy and melodramatic, I know, but I <em>have</em> spent so much time <em>trying</em> to work this out, and all I get is a run-around. It's the worst customer service I've ever experienced anywhere."]},"sort":[9.772318,"2911692"]},{"_index":"complaint-public-v1","_id":"8080447","_score":9.5767355,"_source":{"product":"Checking or savings account","complaint_what_happened":"Date : XXXX XXXXo : XXXX XXXX XXXX / XXXX XXXX  Subject : Wells Fargo Case number : XXXX Account number ending in : XXXX Checking account : XXXX ; Join account under XXXX and XXXX XXXX Saving account # : XXXX. Join account under XXXX and XXXX XXXX Brokerage Account # : XXXX Under XXXX XXXX, XXXX did not open this account before. \n\nDear Sir : On XXXX XXXX XXXX, without knowing the situation, My account in Wells Fargo bank was hacked by a hacker, who open a brokerage account under my name. The hacker transferred all of my savings account 's money to purchase XXXX shares until I got an insufficient funds notice from an e-mail from the bank around XXXX XXXX XXXX \n\nImmediately I reported to Wells Fargo Bank and told the claim department lady, that I did not open a brokerage account with Wells Fargo Bank. The existing stock share was not purchased from me and did not belong to me. The claim or brokerage account lady told me I have to make up existing insufficient debt. I did not agree to that and told them those stocks I did not own that because I had not purchased them before. Later on, my account was locked and I went to XXXX for my mother 's XXXX XXXX  and took care of her health until back time on XXXX XXXX XXXX I tried to contact the Wells Fargo claim department for details. They told me my case had been investigated and closed as shown in the letter on XXXX XXXX XXXXXXXX They said all of the communication devices were identified such as IP, phone number, etc. That is why they closed my case. \nI am totally against their conclusion based on the following reasons and request your organization to investigate my case : XXXX Who set up my brokerage account with the wrong phone number connection under my brokerage account profile? \nXXXX. Over-action from either the brokerage account department or claim department without notice of my claim. They took out all of my money from my savings account to cover that insufficient debt in the brokerage account which was under my name. At this period, my account still was locked from Wells Fargo Bank. So far, I do not think I still own this brokerage account. They should not have the right to take my savings account money to cover their debt. \nXXXX. In the IP verification sheet, it was received on XX/XX/XXXX. This sheet was mailed on XX/XX/XXXX letter, there are too many wrongs such as IP address and others. \nIP address and ISP, State, City, and online Login history are wrong. I did verify with XXXX XXXX XXXX, XXXX XXXX, XXXX, my public IP is XXXX. It is not XXXX as your sheet listed in attached file XXXX Address XXXX. For the other company, XXXX XXXX XXXX XXXX, I did call the customer service department with XXXX XXXX, XXXX. She did check her company file and told me they did not have any service in my area. The other listed company XXXX XXXX XXXX uses XXXX for internet service which we did not have use XXXX  before. So far, XXXXXXXX XXXX XXXX was my home previous internet service company in XXXX. The current internet company is XXXX XXXX which also served us this whole year already. \nXXXX. User Agent with XXXX ( XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX, like XXXX. XXXX ) I n my home desktop computer, I do not have any XXXX XXXX XXXX XXXX XXXX as shown in your user agent. XXXX available browsers are XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX. In Wells Fargo Banks \" Righ to Documentation Package Contents '' in this sheet, see attached file XXXX XXXX. My home internet company was XXXX XXXX running from XX/XX/XXXX to current time XX/XX/XXXX. I did not change the internet provider XXXX XXXX. So the IP public address should be XXXX, and the location should be in XXXX XXXX XXXX XXXX as shown in the \" Online Login History '' sheet, as shown as the file on XXXX XXXX I have no idea why you list so many different IP addresses with XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX in different locations. \nI am not sure about the terms, XXXX XXXX XXXX XXXX XXXX. Do those terms are shown in your bank system? Once people access your system, the number shows up automatically. If that is true, that is your bank security system problem. At least the IP address and, and ISP is not from my side. Do you need to verify where it came from? \nI will continue to fight this case to recover my loss. Also, I believe bank security problems should not count as customer responsibility completely. \nConclusion : I did request detailed device connection information from Wells Fargo Bank. There are a few points that are not right such as 1. The Brokerage profile listed the connection phone number as wrong, which I did not see before. \nXXXX. IP address XXXX is different than my computer 's public IP XXXX. \nXXXX. All list of IPSs companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are wrong which I did not use before. The user agent through XXXX was wrong too. I did not use the XXXX browser before. \nXXXX. The important thing is who allows people to open brokerage accounts with the wrong profile phone number under my name without my permission. Wells Fargo bank was designed to run savings and checking accounts purely without playing any brokerage accounts. \nCustomers opening savings and checking accounts in Wells Fargo bank is based on trust, and believed that security protection technology should be the bank 's responsibility. There is no reason to ask customers to run security designs or set up devices for bank security systems. \nPlease help me to invest this case and get back those lost money from bank. Thanks. \nXXXX XXXX","date_sent_to_company":"2023-12-29T23:32:40.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"27513","tags":"Older American","has_narrative":true,"complaint_id":"8080447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-12-29T23:04:19.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["The <em>existing</em> stock share was not purchased from me and did not belong to me. The claim or brokerage account lady told me I <em>have</em> to make up <em>existing</em> insufficient debt. I did not agree to that and told them those stocks I did not own that because I had not purchased them before. 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