{"took":98,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1078,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10949002","_score":19.498686,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information that is being reported on my credit report. \nSpecifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. \n\nAccount Name : XXXX Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. \n\nAccount Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. \n\n\n\n\n\nAccount Name : XXXX XXXX  XXXX Account Number : XXXX Reason : I believe this account is being reported incorrectly as a charged-off account with a balance due. Could you please provide proof of the charge-off, and either update the balance to {$0.00} or remove the negative payment status on this account? I do not agree with the results of your investigation. Please send me documentation of your investigation, including proof of the negative payment status, or kindly remove the negative information from this account. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Reason : Im really upset to see that this account is incorrectly reporting 21 late payments. According to my XXXX report, there are only 10 late payments listed. This discrepancy is causing me a lot of stress, and I would appreciate it if you could look into this and help resolve the issue. \n\nAccount Name : XXXX XXXX Account Number : XXXX Reason : Im really frustrated and upset because I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report. However, XXXX never conducted an investigation and failed to remove the disputed information. This situation is really affecting me, and Im hoping for some resolution. \n\nAccount Name : XXXX XXXX Account Number : XXXX Reason : I contest the missed and late payments reported on this account. Could you please provide statements and records of all payments made and missed since I opened this account? I disagree with the findings of your investigation. Please send me the supporting evidence of your investigation and the negative payment status or remove the negative information from this account. \n\n\nINQUIRIES : TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The items in question are either inaccurate or already resolved. Ive contacted both the credit agency and data furnisher, but the issue persists. Attached are screenshots of my credit report showing the errors. Please investigate and update my report with the correct information.","date_sent_to_company":"2024-11-27T20:35:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"10949002","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-27T20:35:20.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Im just trying to understand <em>what</em> <em>happened</em>. \n\nAccount Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Im really concerned <em>about</em> the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. <em>Could</em> you please <em>provide</em> the statements and records of all payments made and missed since I opened this account? Im just trying to understand <em>what</em> <em>happened</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[19.498686,"10949002"]},{"_index":"complaint-public-v1","_id":"10948749","_score":19.4757,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information that is being reported on my credit report. \nSpecifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. \n\nAccount Name : XXXX Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. \n\nAccount Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. \n\n\n\n\n\nAccount Name : XXXX XXXX  XXXX Account Number : XXXX Reason : I believe this account is being reported incorrectly as a charged-off account with a balance due. Could you please provide proof of the charge-off, and either update the balance to {$0.00} or remove the negative payment status on this account? I do not agree with the results of your investigation. Please send me documentation of your investigation, including proof of the negative payment status, or kindly remove the negative information from this account. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Reason : XXXXm really upset to see that this account is incorrectly reporting 21 late payments. According to my Experian report, there are only 10 late payments listed. This discrepancy is causing me a lot of stress, and I would appreciate it if you could look into this and help resolve the issue. \n\nAccount Name : XXXX XXXX Account Number : XXXX Reason : Im really frustrated and upset because I previously disputed this account with the credit bureaus, and it was deleted from my Experian report. However, XXXX never conducted an investigation and failed to remove the disputed information. This situation is really affecting me, and Im hoping for some resolution. \n\nAccount Name : XXXX XXXX Account Number : XXXX Reason : I contest the missed and late payments reported on this account. Could you please provide statements and records of all payments made and missed since I opened this account? I disagree with the findings of your investigation. Please send me the supporting evidence of your investigation and the negative payment status or remove the negative information from this account. \n\n\nINQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The items in question are either inaccurate or already resolved. Ive contacted both the credit agency and data furnisher, but the issue persists. Attached are screenshots of my credit report showing the errors. Please investigate and update my report with the correct information.","date_sent_to_company":"2024-11-27T20:35:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"10948749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-27T20:35:20.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Im just trying to understand <em>what</em> <em>happened</em>. \n\nAccount Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Im really concerned <em>about</em> the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. <em>Could</em> you please <em>provide</em> the statements and records of all payments made and missed since I opened this account? Im just trying to understand <em>what</em> <em>happened</em>."],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[19.4757,"10948749"]},{"_index":"complaint-public-v1","_id":"10945404","_score":19.470907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information that is being reported on my credit report. \nSpecifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. \n\nAccount Name : XXXX Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. \n\n\n\n\n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : I believe this account is being reported incorrectly as a charged-off account with a balance due. Could you please provide proof of the charge-off, and either update the balance to {$0.00} or remove the negative payment status on this account? I do not agree with the results of your investigation. Please send me documentation of your investigation, including proof of the negative payment status, or kindly remove the negative information from this account. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Im really concerned about the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. Could you please provide the statements and records of all payments made and missed since I opened this account? Im just trying to understand what happened. \n\nAccount Name : XXXX XXXX Account Number : XXXX Reason : Im really upset to see that this account is incorrectly reporting XXXX late payments. According to my XXXX report, there are only XXXX late payments listed. This discrepancy is causing me a lot of stress, and I would appreciate it if you could look into this and help resolve the issue. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Reason : XXXXm really frustrated and upset because I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report. However, Equifax never conducted an investigation and failed to remove the disputed information. This situation is really affecting me, and Im hoping for some resolution. \n\nAccount Name : XXXX XXXX Account Number : XXXX Reason : I contest the missed and late payments reported on this account. Could you please provide statements and records of all payments made and missed since I opened this account? I disagree with the findings of your investigation. Please send me the supporting evidence of your investigation and the negative payment status or remove the negative information from this account. \n\n\nINQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The items in question are either inaccurate or already resolved. Ive contacted both the credit agency and data furnisher, but the issue persists. Attached are screenshots of my credit report showing the errors. Please investigate and update my report with the correct information.","date_sent_to_company":"2024-11-27T20:35:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"10945404","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-27T20:28:49.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Im just trying to understand <em>what</em> <em>happened</em>. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Im really concerned <em>about</em> the missed payments and late payments on this account. Its been weighing on me, and I feel like I need some clarity. <em>Could</em> you please <em>provide</em> the statements and records of all payments made and missed since I opened this account? Im just trying to understand <em>what</em> <em>happened</em>."]},"sort":[19.470907,"10945404"]},{"_index":"complaint-public-v1","_id":"6451193","_score":18.524837,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2016 I set up an account with Citibank to store XXXX XXXX XXXX security deposit of {$1900.00}. I left this account alone until on XXXX I was trying to access this deposit to return to XXXX XXXX I found that the account had been closed and Citibank could not provide any record of what happened to the money that had been in the account. I requested that I be compensated for the missing funds and that I be provided an explanation of what happened. I had multiple conversations with banking associates and the bank manager who over the course of 8 months insisted that they were escalating the manner for a new level of inquiry. After this \" thorough '' investigation I received a letter that the account was closed by Citibank ( without my permission ) when there was an overdraft of {$38.00}. I did not receive any information on the source of this overdraft or any information on what happened to the {$1900.00} security deposit that belonged to XXXX XXXX. It feels like Citibank is hoping that I will give up and forget about this lost account. this leaves me little choice but to pursue legal representation and lodge this formal complaint.","date_sent_to_company":"2023-01-19T03:30:02.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"92614","tags":null,"has_narrative":true,"complaint_id":"6451193","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-01-19T02:55:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I left this account alone until on XXXX I was trying to access this deposit to return to XXXX XXXX I found that the account had been closed and Citibank <em>could</em> not <em>provide</em> any record of <em>what</em> <em>happened</em> to the money that had been in the account. I requested that I be compensated for the missing funds and that I be provided an explanation of <em>what</em> <em>happened</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[18.524837,"6451193"]},{"_index":"complaint-public-v1","_id":"3044695","_score":18.468622,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Sunday XX/XX/XXXX, I received a text message from Chase asking if I had made a {$140.00} transaction on my checking account through my debit card. I followed the instructions on the text, by calling the number provided to inform the bank that I did not make that transaction and the debit card was always in my possession. The representative informed me that they would close the debit card immediately, issue me a new one, and that the amount had not been taken from my account, since it got flagged as fraud. I hung up and looked further into my accounts online and found that both of my savings accounts ( with thousands of dollars in them ) had been completely withdrawn, to a XXXX balance, and transferred into my checking account. After the transfer was made, I noticed that {$1000.00} had been withdrawn at a specific ATM in XXXX ( I live in CA ), a debit card charge to a XXXX in XXXX, and then another debit card charge for {$2500.00} in FL at a grocery store. I immediately called Chase back ( as I had not received any other notifications about these charges ) to inform them of these fraudulent charges and transfers on my account. I had a difficult time getting access to my information, as no matter who the Chase representative I spoke with that day, they told me that all the ways to authenticate me were not working ( text messages to my phone, account numbers/debit card numbers/PINS. After speaking with several chase representatives on XXXX XXXX, whom shared with me that they will not give out their names, because it was company policy not to, I received the following information. \n\nI was told that I made the transfers from my savings accounts to my checking when I called Chase earlier on XX/XX/XXXX. I shared that this was not me, and asked for clarification that someone called Chase impersonating me, and somehow got access to my accounts? To which they said that was correct. I asked how that was possible with all the security questions and authentication process, and I was told that the person passed the authentication process but I was not allowed to know any further information about what happened/what questions were asked, as that was Chases internal policy. I was informed that someone put a travel alert on my account, which may have been why transactions were allowed. I was transferred to another representative about ensuring this doesnt happen in the future by adding a security code to the account when calling in. when speaking with him, he said he was happy to do so, but it wasnt necessary since there wasnt any compromises via phone. I repeated my story, and firmly stated that it was compromised via phone, which another representative informed me. He said he would have to look into this before putting the security code on the account. I waited and when he returned he apologized for the misinformation and said he would help place the code on the account. I was also told that I would need to visit a local Chase branch to be authenticated and have my accounts unlocked, because my voice could not be authenticated. \n\nBecause Chase would not provide me with any information about the phone conversation/what security questions the impersonator passed, I was concerned for my personal identity being stolen. I then called my local police department on XXXX XXXX to file a report about identity theft and what had occurred with the bank. \n\nOn XXXX XXXX, I went to a local Chase branch and spoke with, honestly, the most helpful Chase representative through this incident, about what happened. She helped me close out all my accounts and open new ones, transferring the money into the proper accounts. She informed me that someone else should not have been able to have phone access to my account, unless they knew me, with all the questions that get asked. She was able to read through the notes on my account and informed me that the person indeed made the transfers via phone, and also added my debit card onto an XXXX XXXX account, which ( she thinks ) is how the impersonator was able to access the accounts via ATM without the physical debit card. She was able to see on the account, both ATM transactions ( {$140.00}, and {$1000.00} ) which happened at a very specific Chase Bank in XXXX, NY. She noted that when the impersonator was not able to get the {$140.00} at one ATM, they moved to another ATM at the same bank, and were able to get the {$1000.00} out 16 minutes later. The representative also provided me with the address at which the FL transaction happened on the same day, since that one was not done online either. I asked how all that was possible since the bank had already flagged the {$140.00} as possible fraud. She was unable to provide me an answer and offered to call the fraud department with me to see if we could get further information. When speaking with the fraud department, they said theyd like to put a security code/pin on the account to make it more secure. I informed the representative that there already is a pin on the account, which she didnt ask me about before discussing the account. She noted that there was one on the account and asked me for it. She then changed the story of what was shared with me earlier and stated that the transfers on my accounts were not made via phone ( despite what the in-person representative could see on my account ) but were not able to tell me how they were done if not by phone. I asked again for clarification about what was asked when the impersonator called in, to which I was told Im not able to have access to that. I shared my elevated concerns with the branch representative about my identity being stolen, and not understanding why Chase wont give me the information about my accounts that were compromised. The helpful representative placed an inquiry to Escalations within Chase and informed me that someone from this department would be calling me in the next 48hrs to discuss my concerns/complaints. \n\nOn XXXX XXXX, XXXX from Escalation called me to discuss the situation. I asked for his full name, to which he reported that its Chases policy not to provide full names. I asked about all the questions above, and in specific what the conversation with the impersonator entailed. XXXX informed me that the impersonator was not asked to provide the card number or the PIN to the card number, which is all he knew at that time. I asked to have access to listen to the phone conversation since it was about my accounts and the person was claiming to be me. I was told access is only allowed to Chase employees in a certain department. I asked for follow up about the conversation if I couldnt hear it myself, including what was specifically asked by Chase, if the person wasnt asked for the PIN or the card number. I also wanted to know what the impersonator asked for after they were authenticated. XXXX told me that he would call me back in a few days with updates/answers to my questions. \n\nOn XXXX XXXX XXXX called me back to inform me that the impersonator had provided a Chase representative with my Social Security number and an address. When clarifying what address was given, XXXX gave me the address of my last residency ( not current ). He also reported that, as far as he can see thats all that was asked of the impersonator. I then asked, so your telling me that someone was able to access my account by providing my S.S number and an OLD address, thats it? XXXX did not give me a confirmed yes or no answer and said that he would be following up to ensure that was the correct address he was given by another department. He proceeded to tell me that the impersonator, once authenticated, asked for what accounts are linked to my debit card? and what were the last three direct deposits on the account? I asked again how this was all possible and why other questions were not asked he said hed look into it and provided his guess/assumption of what happened that the person asked for the account information via phone, then possibly called Chase back using the automated system and transferred the money that way. I asked about the authentication process and voice recognition, how the impersonator was recognized but when I called in to report/discuss the fraud, my voice could not be authenticated why? He said he would look into that as well and get back to me. I asked what Chases process is in regards to investigating this incident and if they are working with law enforcement. I also asked if Chase has the ability to see what number the person is calling into with, to help find the person. XXXX informed me that he can not give me that information because what if you try to find the person yourself. I clarified that I was not looking for the number, just wanted to know if Chase was working on investigating the situation through various ways, including knowing the number someone called in, knowing the very specific ATM that someone took the money out of, etc. I shared concern that if it wasnt investigated soon, the surveillance evidence at the ATM would be gone. He said he would get back to me soon with an update on where the investigation was at and provide me with other answers. \n\nI also went to my local Chase bank on this day to speak with the kind representative about why the compromised checking account appeared to be over drafted, and shared my concern that I would be given fines for that. She clarified that the overdraft was because of the fraudulent amounts taken out, and I would not be charged with fees since it was fraudulent. She also confirmed that the money taken out of the account has been temporarily placed back into my account while its being investigated. We called the fraud department to see if they could provide us with updates, since I was present with a Chase representative. They transferred us over to the claims department, as they said thats who handles the investigations. We spoke with XXXX ( sp? ) who shared that I wont be informed when the investigation is complete or its outcome, but she was sure that Chase was working with law enforcement. She then said, I take that back, you will be notified, you just wont know the outcome/who did it ; its one of those things youll just see in the newspaper. I asked about the travel alert on the account, and how that was placed and she informed me that there was no travel alert on the account. After going back and forth about what other Chase representatives have told me, she was not able to give me a direct answer about what happened with the travel alert other than there was not one currently on the account. I discussed my concern about how someone was able to obtain information about my accounts with no security questions asked and my concern on Chases part that the questions asked by the impersonator wouldnt be flagged as suspicious. As if to comfort me, she explained that this was not a systems issue, it was a people issue/mistake that someone shared information that they shouldnt have and all they needed was some training. \n\nOn XXXX XXXX, I called the claims department returning their call to me about one of my claims. I spoke with XXXX who informed me that I needed to fill out two claims forms, one for the {$1000.00} and one for the {$2500.00}. I explained that I had already filled one out on XXXX with a local Chase branch for the higher amount, and we werent told one needed to be done for the {$1000.00}. I said I would go to the local bank to have it completed. I asked about the investigation process to which she was only able to provide me with the investigation end dates ( XXXX XXXX for the {$1000.00} and XXXX XXXX for the {$2500.00} ) and clarify that there were two investigations. \n\nOn XXXX XXXX, the police officer whom I made the report with called to ask for further information and to inform me that he called Chase bank to inquire/investigate what happened and the bank told him they wouldnt give him any information. He asked me to contact to bank and ask for the information he was looking for. I shared that Ive asked all those questions already and nobody will give me the answers. \n\nOn the same day, I was contacted by a Chase representative in Escalations in place of XXXX to follow up. I asked all the questions I asked XXXX, to which the representative said they can not provide any further information as its Chases policy and that law enforcement would need to get involved. I then asked whether Chase was working with law enforcement already regarding the incident and she reported, no, that it was the customers responsibility to involve law enforcement. I asked for a number/department that law enforcement could call, since the officer who was helping me was told he couldnt get information. She provided me with a number to global security and investigations and also shared that Chase most likely wouldnt share the information with them through that number either, unless law enforcement provides them with a subpoena. \n\nI find this whole incident and process incredibly frustrating and alarming that something like this could happen and Chase is placing the responsibility of investigating on the customer, as well as withholding information about what/how this happened internally. Chase will not provide me with identify theft support/monitoring, and if thats the customers responsibility to monitor/investigate, Chase is not providing me with the information I need to protect myself. I am incredibly disappointed with the customer service, receiving different stories, and the lack of concern that this happened. Because of how this incident was handled, and for the fact that Im not being provided information on how this happened with Chase, I am looking into banking elsewhere. I do not feel my information or my money is secure with Chase.","date_sent_to_company":"2018-10-12T20:10:52.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"94546","tags":null,"has_narrative":true,"complaint_id":"3044695","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-10-12T19:46:35.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I find this whole incident and process incredibly frustrating and alarming that something like this <em>could</em> <em>happen</em> and Chase is placing the responsibility of <em>investigating</em> on the customer, as well as withholding <em>information</em> <em>about</em> <em>what</em>/how this <em>happened</em> internally. Chase will not <em>provide</em> me with identify theft support/monitoring, and if thats the customers responsibility to monitor/<em>investigate</em>, Chase is not providing me with the <em>information</em> I need to protect myself."]},"sort":[18.468622,"3044695"]},{"_index":"complaint-public-v1","_id":"4187261","_score":18.137386,"_source":{"product":"Checking or savings account","complaint_what_happened":"I established a new checking and savings account with BBVA XX/XX/XXXX. Shortly after my wife initiated direct deposit of her payroll check to the new BBVA checking account. Two payroll transactions were deposited into the BBVA checking account on XX/XX/XXXX and XX/XX/XXXX in the amounts of {$460.00} and {$1700.00}. On XX/XX/XXXX I initiated a money transfer from the BBVA checking account to a joint checking account that my wife and I have with XXXX. On XX/XX/XXXX I received a text notification from BBVA that the transfer was being blocked and to a call BBVA. I called on XX/XX/XXXX and was told the transfer was blocked because the original direct deposit transactions were in my wife 's XXXX XXXX XXXX name and the BBVA checking account was in my name XXXX XXXX XXXX. Because of this, BBVA stated the transfer to XXXX could not be executed. I inquired as to how the money could be accessed and was told that my wife would need to be added to the account or the original payroll deposits would need to be returned to the sending bank. When inquiring about adding my wife to the account I was told that she would. have to come into a branch. However the closest branch is in Alabama and we are located in North Carolina. So, the only option would to return the funds to the originating bank. I asked to have that done and was told the return funds transfer would be initiated. On XX/XX/XXXX two debit transactions were created against the BBVA checking account in the amount of the two payroll transactions indicating the funds return from BBVA to XXXX XXXX XXXX had been executed. However, after multiple weeks the funds never appeared in the XXXX XXXX XXXX account. In the ensuing weeks, multiple attempts have been made to contact BBVA for help in resolving the issues and tracking the funds or investigating what happened. To date they have been unable to provide an ACH trace number or even the account to which they directed the return funds. On XX/XX/XXXX I initiated a conference call with BBVA and XXXX XXXX XXXX representatives to try and further investigate what had happened to the funds. XXXX XXXX XXXX verified they had no record of the funds being returned. BBVA was again unable to provide the ACH trace number or account number to which they returned the funds. They stated they were not able to provide any other information about the funds or any other assistance in investigating what happened or where the funds were. At this point I would like to file a formal report and have a third party investigation initiated to determine what happened to the funds and have them returned to us.","date_sent_to_company":"2021-03-05T20:20:24.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"28117","tags":null,"has_narrative":true,"complaint_id":"4187261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2021-03-05T20:07:58.000Z","state":"NC","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["BBVA was again unable to <em>provide</em> the ACH trace number or account number to which they returned the funds. They stated they were not able to <em>provide</em> any other <em>information</em> <em>about</em> the funds or any other assistance in <em>investigating</em> <em>what</em> <em>happened</em> or where the funds were. At this point I would like to file a formal report and have a third party <em>investigation</em> initiated to determine <em>what</em> <em>happened</em> to the funds and have them returned to us."]},"sort":[18.137386,"4187261"]},{"_index":"complaint-public-v1","_id":"2814486","_score":18.027704,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I applied for an American Express Credit Card online. I was declined approval, and because I could not get the credit some bad things happened that I will not elaborate on because I want to keep this explanation brief. \nI received the reason for denial letter about XX/XX/XXXX. It said that American Express obtained an XXXX Credit report on me and the risk score was not available due to report of deceased status, and 4 other things. I called Amex and confirmed this. \nI wrote American Express a letter telling them I was not dead, and requested more information in early XX/XX/XXXX, and they never provided my any information the just sent me a {$30000.00} limit gold card. \nI began litigating a Civil Suit against XXXX and they investigated, and re-investigated and could not find any indication of Amex pulling a credit report on me during that time period, nor could they find a deceased notation. \nThere is no indication at this point that XXXX  did anything wrong. \nI wrote 2 more letters to American Express, and they refuse to provide me with any explanation as to what happened. \nI feel like American Express may have done something improper, and that is how I am going to interpret their silence on this issue.","date_sent_to_company":"2018-02-14T07:45:26.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"710XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2814486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-02-14T07:09:01.000Z","state":"LA","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["I wrote 2 more letters to American Express, and they refuse to <em>provide</em> me with any explanation as to <em>what</em> <em>happened</em>. \nI feel like American Express may have done something improper, and that is how I am going to interpret their silence on this issue."]},"sort":[18.027704,"2814486"]},{"_index":"complaint-public-v1","_id":"15266367","_score":16.893679,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX at XXXX XXXX  capital one bank institution and XXXX XXXX  allowed my bank account and identity get compromised, Apon me checking my transaction that morning in my bank app I saw that someone got into my savings and transferred XXXX dollars to my checking and allowed the person to XXXX XXXX XXXX  dollars to a XXXX XXXX I have never sent money to or even no about, immediately contacted capital one bank to file and a claim along me asking the customer representative questions on how was this possible she stated to me all she could see in her end was someone kept trying to get in from a device and was finally able to get into my account, but what trouble me is the claim I filed was was denied with out them giving a proper reason in how this matter happened, and on top that I asked them how could this happen when my card wasnt even linked to XXXX XXXX  but they refused to give me answer and I also asked cash app the same question but they was rude and couldnt provide me information as well, I also to XXXX XXXX  to find out who the person was that the XXXX belonged to and what financial institution the the person use to cash out the funds cause that will help them finding out who is this person, but they refused to. Both capital one and XXXX XXXX  did not investigate properly and they was very rude","date_sent_to_company":"2025-08-13T16:56:39.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"77026","tags":null,"has_narrative":true,"complaint_id":"15266367","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-08-13T15:04:24.000Z","state":"TX","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["this possible she stated to me all she <em>could</em> see in her end was someone kept trying to get in from a device and was finally able to get into my account, but <em>what</em> trouble me is the claim I filed was was denied with out them giving a proper reason in how this matter <em>happened</em>, and on top that I asked them how <em>could</em> this <em>happen</em> when my card wasnt even linked to XXXX XXXX  but they refused to give me answer and I also asked cash app the same question but they was rude and couldnt <em>provide</em> me <em>information</em>"]},"sort":[16.893679,"15266367"]},{"_index":"complaint-public-v1","_id":"16946230","_score":16.41243,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year> I deposited {$1200.00} in various bills at XXXX at the chase ATM. While the deposit was processing an error message popped up in the screen indicating that if my deposit didn't go through to call the number on that screen, this happened at approximately XXXX. I called the number on the screen immediately afterwards and the call center opened up an investigation and credited my account. On XX/XX/XXXX, the credit of {$1100.00} was withdrawn from my account. I called on XX/XX/XXXX at XXXX am, and spoke with a woman ( XXXX ) she told me that the investigation had closed and they only found that I had deposited {$41.00}. I asked her if they were able to provide me with the information they obtained and she very rudely told me there was nothing she can do about it and if I wanted to move forward I would have to provide and submit proof of the initial deposit. I asked what proof I would be able to provide and she told me that was up to me to obtain. After speaking with her I asked for a supervisor, she transferred me to a man who said he was the supervisor ( XXXX ). After explaining the problem he told me he would open up a second investigation and file a complaint. I also asked if he would be able to provide me the information from the first investigation because I wanted to understand where in their findings they only found {$41.00} dollars. He told me he \" could try ''. I told him I needed that information and he told me they will get it to me when they get to it. I then asked for a provisional credit as I was given one the first time and he told me only Chase could provide that for me. On XX/XX/XXXX, at XXXX I went to the chase that I had originally deposited the money at. The vice president let me know there was nothing she could do but she was able form a complaint to speed along the process of the investigation.","date_sent_to_company":"2025-10-31T20:15:50.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"78247","tags":null,"has_narrative":true,"complaint_id":"16946230","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-31T19:39:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I called on XX/XX/XXXX at XXXX am, and spoke with a woman ( XXXX ) she told me that the <em>investigation</em> had closed and they only found that I had deposited {$41.00}. I asked her if they were able to <em>provide</em> me with the <em>information</em> they obtained and she very rudely told me there was nothing she can do <em>about</em> it and if I wanted to move forward I would have to <em>provide</em> and submit proof of the initial deposit. I asked <em>what</em> proof I would be able to <em>provide</em> and she told me that was up to me to obtain."]},"sort":[16.41243,"16946230"]},{"_index":"complaint-public-v1","_id":"10131544","_score":16.02803,"_source":{"product":"Checking or savings account","complaint_what_happened":"This happened on XX/XX/year>. I was at a Citizens Bank ATM within a grocery store. I deposited XXXX dollars into the machine. The machine then said that I had inserted too many bills and to remove my money from the cash mechanism. I took a few bills off the top of the stack, but didn't remove all of the money, thinking if I just removed the necessary bills that the machine would re-read the notes. It didn't. The machine then came up with an error message saying that I didn't remove the cash fast enough and to call customer service for help. I first flagged down a cashier at the grocery store because I was freaked out and didn't know if this was a standard occurrence or if they could help me. The cashier had no idea what to tell me or how to assist. I then called the banks customer service line. I was on the line with them while standing in front of the ATM for at least an hour, and we were able to file a claim explaining what had happened. The customer service employee asked for a ATM number/code and I told them that there was no code on the physical machine but that receipts from previous customers had been left behind and I read him the ATM code from those. At the same time, I was clear over the phone that I didn't know if that was the correct code because there was two ATM 's within the store and the man on the phone didn't seem to know where I should look for an identifying number and I certainly didn't know either. Anyways, we filed the claim and the man said that he requested a provisional credit but he didn't know how long it would take to enter my account. I was moving cross country three days from this and needed that money ASAP so he recommended that I go to the physical branch location that was down the street from where this happened. I drove to that branch and tried to speak with someone there, but the manager and person that could help me with this was in a scheduled appointment and I was told that she would be for the next several hours, so I was only able to speak to someone at the front desk. The woman at the front desk told me that there was nothing I could do since the claim had already been filed and that she didn't have authority/experience to speak to me about my issue. She said that the manager for this branch was also the manager for the next nearest branch so if I wanted to speak to someone I'd have to drive over an hour away with no guarantee that someone could help me once I got there. I asked if she could just send someone over to the ATM and balance it considering it was only two minutes down the street from the branch location. She said no. I left with no information or assistance gained The provisional credit was granted a few days later and I assumed the issue was solved. \n\nThen yesterday, XX/XX/year>, my checking account was charged for {$400.00}. I had forgotten about all of this since it happened nearly two months ago by this point and I'd received no further information from the bank about it. I actually called the bank thinking the charge was fraud and that someone had stolen my information. I then came to find out, that it was the bank repealing the provisional credit and charging my account. They had given me no notice beforehand. I couldn't get in contact with anyone the evening that I first noticed the charge, as the bank closed at XXXX, so I called again the next morning, Saturday XX/XX/XXXX. The man in the fraud department that I was speaking to told me my claim was denied and explained that denial was the {$400.00} charge. I asked him how that was possible and what had happened. He said the bank investigated and that they chose to deny the claim. I asked why they did that and he said that it was just what the investigation had decided. I asked him to reopen the claim or explain to me how this had happened because there were cameras on me for this entire situation that should've recorded the whole thing, as well as the physical money sitting in the ATM. He said unless I had more information that there was nothing he could do for me. I asked to have the investigators check the cameras, as that would provide new information because obviously something had gone wrong in the investigation. We went back and forth for a bit and he kept telling me that my suggestions didn't merit new information and that he couldn't reopen the claim or give me more information. He then transferred me to customer service. Customer service then transferred me back to the fraud department. The fraud department then hung up on me. I called back and was eventually connected with someone who reopened the claim. We speculated that possibly the investigators had balanced the wrong ATM, so we then made explicit notes in the reopened claim detailing which ATM it was. We also requested that they check the camera footage, as I would be on it depositing the money. The representative that I was speaking with then read me the notes that had been left on the claim and it essentially said there wasn't enough information to confirm my deposit and thats why the claim was denied. I don't know how this is possible and the man on the phone wasn't able to give me any more information. \n\nAs of now, the claim has been reopened, my provisional credit has been repealed, and it's been about a month and a half since the ATM initially ate my money.","date_sent_to_company":"2024-09-15T09:09:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"019XX","tags":null,"has_narrative":true,"complaint_id":"10131544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2024-09-15T08:22:26.000Z","state":"MA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["He said unless I had more <em>information</em> that there was nothing he <em>could</em> do for me. I asked to have the <em>investigators</em> check the cameras, as that would <em>provide</em> new <em>information</em> because obviously something had gone wrong in the <em>investigation</em>. We went back and forth for a bit and he kept telling me that my suggestions didn't merit new <em>information</em> and that he couldn't reopen the claim or give me more <em>information</em>. He then transferred me to customer service."]},"sort":[16.02803,"10131544"]},{"_index":"complaint-public-v1","_id":"2969883","_score":15.931947,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Back several years ago my credit file got mixed up with someone who has very similar information as mine, they have the same name, and there ssn was a couple numbers different which caused me all kinds of issues. I have made equifax aware of this situation on multiple occasions and they never fix the issues or investigate and show proof of how they got the information. I believe now they get pleasure from seeing what problems these issues have caused me. I need these problems fixed now! See below the issues I'm having. \n\nI'm worried about a wrong address thats not mine- Please remove XXXX XXXX XXXX XXXX Ky XXXX since this could lead to fraudulent accounts. \n\nXXXX XXXX- I have 0 accounts and have never had an account go into bankruptcy with them. \n\nXXXX XXXX- I have no accounts and don't know who they are. \n\nXXXX I do not have any accounts with this company Target- I do not have any accounts with this company XXXX XXXX??? Equifax allows this company to report information about me even after I've requested information on who these people are, I don't know them and they have never provided me a contract with my name or ssn showing I've ever had an account.\n\nBankruptcy- I have requested several times that equifax provide me with official court documents with my personal information showing I have a BK, they have never provided me anything but continue listing this information. I have personally called the BK court and have asked several times about how this could happen and they stated information of this nature would never come from them!!! How can I have accounts listed in a BK if no one can provide me with information showing it even belongs to me???","date_sent_to_company":"2018-07-22T17:05:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"40004","tags":null,"has_narrative":true,"complaint_id":"2969883","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-07-22T16:33:30.000Z","state":"KY","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I have personally called the BK court and have asked several times <em>about</em> how this <em>could</em> <em>happen</em> and they stated <em>information</em> of this nature would never come from them!!! How can I have accounts listed in a BK if no one can <em>provide</em> me with <em>information</em> showing it even belongs to me???"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Public record <em>information</em> inaccurate"]},"sort":[15.931947,"2969883"]},{"_index":"complaint-public-v1","_id":"4473498","_score":15.856878,"_source":{"product":"Debt collection","complaint_what_happened":"We were supposed to move into XXXX XXXX XXXX on XX/XX/21 and they did not respond about the apartment being sanitized during Covid 19 Pandemic for the week prior. The apartment smelled like urine, and it was very dirty and was shown to us by a person named XXXX. \n\nThis home is for the safety of our family as we have XXXX children. \n\nInstead XXXX sent us a bill for cancellation when this is completely their fault for not having a clean sanitized unit for us to move into. XXXX XXXX did not Sanitize the apartment, and I informed them that we can not move in until it is sanitized. I had called XXXX and XXXX numerously during the week and they did not respond at all. Instead of letting us know the apartment was clean and sanitized, they sent us a bill showing \" cancelled after approval. '' XXXX XXXX showed us an apartment and misrepresented their services and deceived us into believing we could move in. Instead of sanitizing the apartment they used their companies paperwork to justify the charges on our credit card. \n\nOur credit card company also did not agree with what happened as we have provided the same information about what happened. Our creditor said that they can not charge you for something they did not provide, which is a clean apartment to move in to. \n\nThese charges are deception, they did not provide us with clean apartment and when we called about it they did not respond the whole week prior, to let us know it has been cleaned/sanitized. We did not even have the keys ot the ability to inspect the unit prior also. \n\nXXXX had us do all the pre-qualification paperwork and just to steal our money via credit card number, and use their modus operandi to basically steal money from us. \n\nCurrently I have Genesis ( Columbia Debt Recovery XXXX ) harassing us for more money with fees that are unheard of. \n\nThis needs to be investigated as this company is acting criminal. \n\nThey did not deliver and apartment to move into, and are charging us for it? That is FRAUD!","date_sent_to_company":"2021-07-20T19:39:00.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"77494","tags":null,"has_narrative":true,"complaint_id":"4473498","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2021-06-18T22:14:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Instead of letting us know the apartment was clean and sanitized, they sent us a bill showing \" cancelled after approval. '' XXXX XXXX showed us an apartment and misrepresented their services and deceived us into believing we <em>could</em> move in. Instead of sanitizing the apartment they used their companies paperwork to justify the charges on our credit card. \n\nOur credit card company also did not agree with <em>what</em> <em>happened</em> as we have provided the same <em>information</em> <em>about</em> <em>what</em> <em>happened</em>."]},"sort":[15.856878,"4473498"]},{"_index":"complaint-public-v1","_id":"9757754","_score":15.777506,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, at around XXXXXXXX XXXX. I transfered money out of my XXXX account to my PayPal debit card. The amount I transfered was {$360.00}, there was a fee of {$6.00} and some change, to have the money immediately after transfer. So the amount actually put in my account was {$350.00}. That amount was deposited in my debit card balance account. PayPal sent me an email stating that XXXX sent me a full refund of {$350.00}. Within 4 minutes the balance disappeared off my debit card account. It went to {$0.00}. I got on my PayPal app to check what had happened to my transfer. The app said that my money had been taken out of my debit card balance and moved to PayPal , Inc .\n\nI called PayPal and there very rude staff, told me that my money had been sent back to XXXX. I asked them why, because that wasn't what I wanted and paid a fee for. PayPal hung up on me and never called back. I called PayPal back and asked to speak with a supervisor and \" XXXX '' a support specialist, came on the phone and took all the information I could give her. XXXX put me on hold and when she came back on she told me that my money had been sent back to XXXX. I asked her why because I transfered it from XXXX to Paypal because I had a debit card with PayPal and did not have one with XXXX and I needed this money on a debit card so I could pay my electric and water bill online or over the phone. XXXX mumbled something about regulation that XXXX wanted them to follow. She didn't give me a straight answer. Then she gave me a transaction ID number that was supposedly the transaction ID to prove that my money had been returned to XXXX. I then called XXXX and told them what had happened so far and told them what PayPal had said. I gave them the transaction number and was put on hold while the rep looked for my money. When he came back on he that transaction ID was not to the transaction that proved the money was returned to XXXX. He opened an investigation and eventually I gave him 2 more Transaction ID numbers for him to check for. None of the transaction ID numbers provided from PayPal and my PayPal app proved to be helpful in anyway. So XXXX closed the investigation. I contacted PayPal almost everyday getting different stories as to what happened to my money. I asked PayPal to please provide me with proof that I could use to give to XXXX to prove that they made the refund back to XXXXXXXX XXXX But they did not or could not give me any proof. They said that they disperse the funds properly and said this matter was closed. So here I am now.","date_sent_to_company":"2024-08-09T13:43:20.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"33823","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9757754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-08-09T12:46:06.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["He opened an <em>investigation</em> and eventually I gave him 2 more Transaction ID numbers for him to check for. None of the transaction ID numbers provided from PayPal and my PayPal app proved to be helpful in anyway. So XXXX closed the <em>investigation</em>. I contacted PayPal almost everyday getting different stories as to <em>what</em> <em>happened</em> to my money."]},"sort":[15.777506,"9757754"]},{"_index":"complaint-public-v1","_id":"4164065","_score":15.762474,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello CFPB, I had a bank fraudulent transaction on my account and I have already spoken to the XXXX XXXX Police Department about my situation. I spoke with an individual online about a XXXX XXXX profit-making opportunity via XXXX. Her business handle was XXXX XXXX. I deposited an initial {$450.00} dollars for a transaction through a business medium called XXXX for {$450.00}. I didn't authorize any additional transactions further and I saw through my bank account that I got an additional {$5600.00} taken out of my bank account and before I could make a stop to this transaction ( which was at the point pending ), I was wrongfully addressed by a Wells Fargo representative that to file an investigation the file had to be an active transaction before they make any investigations, so I didn't pursue with the block on this pending transaction which was done via XXXX and XXXX ( bitcoin transaction ). This was entirely wrong and I was unlawfully taken money out of my bank account by scammers, I am unsure how it happened but I want my money back and I have supplemental information to provide proof of this. \n\nPlease let me know what you can do because this isn't right and I need answers.","date_sent_to_company":"2021-02-25T01:05:06.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"4164065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-02-24T23:51:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["This was entirely wrong and I was unlawfully taken money out of my bank account by scammers, I am unsure how it <em>happened</em> but I want my money back and I have supplemental <em>information</em> to <em>provide</em> proof of this. \n\nPlease let me know <em>what</em> you can do because this isn't right and I need answers."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.762474,"4164065"]},{"_index":"complaint-public-v1","_id":"15943115","_score":15.750814,"_source":{"product":"Credit card","complaint_what_happened":"I had some double charges from XXXX on my Citibank Credit Card, so I went back and monitored my credit card for double charges and cross referenced them with my purchase history. I came across {$340.00} charged on XX/XX/XXXX and XX/XX/XXXX, I couldnt recognize those charges so I reached out to the XXXX Chat for assistance. The representative i talked to review the charges and my purchase history, verified my address and couldnt find any purchases from those dates so they recommended I report the charges as fraudulent with my credit card company and change my XXXX username and password ( as the credit card had remained in my possession and the only place I had the credit card linked was with XXXX. When I filed the fraudulent charges I immediately received a credit, however, a few weeks later I received an email from XXXX XXXX requesting the charges back. I replied to the email giving the background of what I did and why & requested that they provide more information, after a couple of days I did hear back from them so called. I told the representative everything that happened and she helped me understand the charges and what happened ( since the dates did not reflect the purchase history ), since I recognized the charges I wanted to make sure they were paid, she didnt offer to just reverse the charges and I didnt think that the credit card could be used since it was reported stolen/fraud, I also did not have my new citibank credit card so XXXX used a different bank credit card. I called citibank to notify them what happened and they gave me an email to use to provide the details to the investigator. I gave the background to include the XXXX chat, the email form citibank chargeback requesting the money and snapshots showing that I used another card to pay for the items since I didnt have my new citibank card. I sent a second email from XXXX chargeback acknowledging payment with the last 4 digits of the credit card used. The investigator then recharged my account, I have been charged 3 times for these items with 2 refunds which equates to Citibank charging me for items I pd for on another credit card. I have called about this item a few times with the last 2 times talking to managers. One manager had the charge re-investigated, I asked hime when will I know that this is over, he said when the charges are refunded from your card. The charges were refunded and I was relieved that this was all finally over, then I logged in to my account to see that Citibank charged me AGAIN for the items, this time the manager I talked to in AZ told me that he would not remove the charges, since the items werent fraudulent they are keeping the items on my credit card, I told him they have been pd for on another card, he remained silent, I said I couldnt pay on Citi bank since one card was reported fraudulent the other never came, he said I could have used the fraudulent to reverse the charges. I have talked to MANY people from Citibank and NO ONE told me that if the charges were found non-fraudulent I could use the credit card marked as lost or stolen until just today, MONTHS after all of this happened. The Citibank manager understand that I am being double billed, he simply does not care and expects me to know what their own staff dont know about scenarios like mine.","date_sent_to_company":"2025-09-15T18:47:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"22306","tags":null,"has_narrative":true,"complaint_id":"15943115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-09-15T17:34:31.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I replied to the email giving the background of <em>what</em> I did and why & requested that they <em>provide</em> more <em>information</em>, after a couple of days I did hear back from them so called."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Credit card company isn't resolving a dispute <em>about</em> a purchase on your statement"]},"sort":[15.750814,"15943115"]},{"_index":"complaint-public-v1","_id":"8671696","_score":15.663651,"_source":{"product":"Student loan","complaint_what_happened":"In the Fall of XXXX, I applied online for the SAVE plan. I was shown that I qualified for the payment plan and that my payment would be around {$110.00}. \n\nI then recieved a bill for {$310.00} on XX/XX/XXXX. \n\nI called Aidvantage, my servicer, on XX/XX/XXXX to find out why the payment was so high. I spoke XXXX XXXX ID XXXX. I told them I that I applied for the SAVE program and instead I now have a {$310.00} payment. The agent said I was put on the pay as you earn plan, not the SAVE plan. She then rechecked my info, said I do qualify for the SAVE plan and she resubmitted my information for the SAVE plan and said it would be all set.\n\nI told her I already applied for the SAVE and asked if this mistake could happen again, and she assured me that I would be put in the SAVE plan correctly this time. \n\nI then received another bill for XXXX on XX/XX/XXXX. I called immediately and spoke with XXXX ID XXXX. I was told the same thing happened again and that I was put on the IDR plan instead of the SAVE plan. She opened an investigation and submitted a case. She also put a pause on my payments while they figured out what was going on. \n\nI asked her if I would hear from someone after the investigation was completed and she said yes. \n\nI received zero communication, no emails, letters or calls about the investigation. Instead I received a bill on XX/XX/XXXX for {$610.00}. \n\nI called AGAIN. I spoke with a third agent, who would not provide their Agent ID - but provided their name, which I will exclude here for privacy, but I can provide it upon request. She said my account was delinquent. I said how can it be deliquent when the previous agent told me that she was pausing my payments while they figured out why my account wasn't being put into the correct payment plan? \n\nThis agent told me she could see the investigation report submitted on XX/XX/XXXX and that it was supposed to be escalated. She could see \" action '' was taken, but couldn't see any other information on what that action was or any communications about it to me. \n\nShe put me on hold and came back and told me that I needed to submit an application online to be changed into the SAVE plan. I told her that I already had done that. I said I can keep doing that but it doesn't seem to be making a difference. \n\nShe then resubmitted the case and I said I would be submitted a complaint to the CFPB. \n\nThis has now been going on for 6 months. Aidvantage has proven to be absolutely incapable of fair treatment to me as a borrower. There has been a complete lack of communication for 6 months, and they have left me unable to both afford and actually pay my student loan bills, and unable to take advantage of the SAVE payment plan created by the Biden administration. Aidvantage has done nothing right, but keeps sending me bills for an amount I can't afford - and keeps telling me I qualify for the lower payment, but can't set it up properly and can't communicate with me about it.","date_sent_to_company":"2024-04-01T20:59:21.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"027XX","tags":null,"has_narrative":true,"complaint_id":"8671696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-04-01T20:25:25.000Z","state":"MA","company_public_response":null,"sub_issue":"Problem with your payment plan"},"highlight":{"complaint_what_happened":["This agent told me she <em>could</em> see the <em>investigation</em> report submitted on XX/XX/XXXX and that it was supposed to be escalated. She <em>could</em> see \" action '' was taken, but couldn't see any other <em>information</em> on <em>what</em> that action was or any communications <em>about</em> it to me. \n\nShe put me on hold and came back and told me that I needed to submit an application online to be changed into the SAVE plan. I told her that I already had done that."]},"sort":[15.663651,"8671696"]},{"_index":"complaint-public-v1","_id":"7966513","_score":15.65043,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have banked with Marcus for several years now with no issue. \n\nOn XX/XX/XXXX, I received a phishing phonecall with someone trying to gain access to my account. I immediately changed my password. \n\non XX/XX/XXXX, I attempted to log back in to my account, and it had been frozen due to fraud investigation on XX/XX/XXXX, I called Marcus support, asking for more information on what had happened, whether my funds were safe, and how to regain access to my account ASAP. I was given no explanation, just told that the information was \" locked '', and to call back in 5 days XXXX, I called Marcus support again, asking the same questions. Was told again by agent that my account was locked, and they were unable to provide an estimated resolution timeline, or any additional information. Just to be patient and wait for a phonecall/email with next steps ( that they could not provide an estimated arrival date for ) While I appreciate the protections put in place to guard against fraud, I am extremely concerned about the way this is being handled. No one has been able to even tell me if my deposits are safe or when/if I will be able to access those funds again? As you can imagine, this is a major issue for me.","date_sent_to_company":"2023-12-07T21:02:01.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"93103","tags":null,"has_narrative":true,"complaint_id":"7966513","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2023-12-07T20:38:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["on XX/XX/XXXX, I attempted to log back in to my account, and it had been frozen due to fraud <em>investigation</em> on XX/XX/XXXX, I called Marcus support, asking for more <em>information</em> on <em>what</em> had <em>happened</em>, whether my funds were safe, and how to regain access to my account ASAP. I was given no explanation, just told that the <em>information</em> was \" locked '', and to call back in 5 days XXXX, I called Marcus support again, asking the same questions."]},"sort":[15.65043,"7966513"]},{"_index":"complaint-public-v1","_id":"2057872","_score":15.614593,"_source":{"product":"Credit card","complaint_what_happened":"Citibank contacted me on XXXX XXXX at XXXX. to say that they were calling to collect a debt that I owed them. I asked the woman who called for information about this \" debt '' since I had called Citi 's automated account line on XXXX XXXX and received the information that my payment due on XXXX XXXX had been received and posted. The woman was unable to provide information about this debt. That day I contacted Citibank 2 times to try and get information so I could address the issue, without any luck. I have now contacted Citibank 18 times to obtain information about this situation so I can resolve it. It is still not resolved. All Citi would tell me was that they tried to cash the check and the bank was refused. I checked with my bank on XXXX XXXX by going there in person, and checked with my bank on three separate occasions. On every occasion, my bank told me that no check had been presented for payment and if it had been, there were sufficient funds in my account to have paid it. I repeatedly asked Citibank for information about the check and where they presented so that I could get to the bottom of this issue. I also paid them in full for all amounts on my credit card, including amounts not due so that as of XXXX XXXX, my balance was a credit of {$150.00} ( I paid more than the amount of charges so there would be sufficient to cover any additional interest or penalties ). On XXXX XXXX ( my 15th call ), a Citibank employee named XXXX finally provided me with the routing and account number for the check that they claim they presented for payment and was refused so that my bank and I could understand what occurred. She told me that she would send me a copy of the check so that I could research it with my bank and bill payment service. On XXXX XXXX, I contacted Citibank with my bill payment service and was told by XXXX ( Citibank ) that Citibank would fax a copy of the check to my bill payment service within 24-48 hours. As of today, XXXX XXXX, no copy of the check has been received by me or my bill payment service. After confirming with Citi that no other amounts were due, on XXXX XXXX requested that Citi return the extra funds to me and was told that this would happen. I have yet to receive my funds. During the course of my 18 calls, Citi employees have laughed at me, told me that this would not affect my credit report even after I told them that the day before I had received information from my credit monitoring service saying that Citi had submitted potentially negative information about me, refused to provide me information about the payment so that I could find out what happened, failed to provide information that they said they would provide and told me that this was just an \" inconvenience '' for me. Citi has closed my account, even though they admitted that I had never had a returned payment ( on XXXX XXXX in a conversation with XXXX ) and this dispute was active at the time that they closed the account. Citi has claimed that they have concluded one investigation of the incident and a second review of the account closing. They notified me about neither of the results. I learned about them only because I called to ask. Citi has ( 1 ) provided me with no information or erroneous information, ( 2 ) damaged my credit rating despite the fact that my bill payment service and bank both have informed them that the payment was made by check ( due to Citi 's policies ) rather than electronic payments as all of my previous payment had been made and that the payment was good and ( 3 ) retaliated against me for disputing this issue and telling them that I would file complaints against them with federal and state banking authorities and this agency ( which I informed them of on every call except the initial call ). They have also failed to refund my money in a timely manner.","date_sent_to_company":"2016-08-10T04:31:05.000Z","issue":"Other","sub_product":null,"zip_code":"27614","tags":null,"has_narrative":true,"complaint_id":"2057872","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-08-10T04:31:04.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["During the course of my 18 calls, Citi employees have laughed at me, told me that this would not affect my credit report even after I told them that the day before I had received <em>information</em> from my credit monitoring service saying that Citi had submitted potentially negative <em>information</em> <em>about</em> me, refused to <em>provide</em> me <em>information</em> <em>about</em> the payment so that I <em>could</em> find out <em>what</em> <em>happened</em>, failed to <em>provide</em> <em>information</em> that they said they would <em>provide</em> and told me that this was just an \" inconvenience"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.614593,"2057872"]},{"_index":"complaint-public-v1","_id":"1692973","_score":15.522642,"_source":{"product":"Credit reporting","complaint_what_happened":"XXXX XXXX XXXX a copy of my Experian credit report to process an application that was not made by myself. I called XXXX and told them that I did not apply for a credit card and I 'm looking at my Experian credit report and this is not me. I preceded to provide the representative with all necessary information- my SS, my full name, my DOB, my address, and a description of what was submitted to Experian credit report and the representative responded with, \" Im sorry mam, we do not show any record of this and there was no application attempt made and it must be XXXX Bank , who is also associated with XXXX . '' She then asked me to call XXXX and provided me with the phone number. \n\nAfter I called XXXX, they went through every possible search and had me hold on the phone to make sure there was nothing in their system that had my information with it. The representative that helped me asked me to read what was on my Experian credit report and looked up all of the information and assured me that it is XXXX who is associated to this report obtainment and to try to call again but not to call the general line to call the \" lost or stolen line '', even though I already called in to the general line to let them know exactly what I saw on my credit report and word for word which stated ( alert date XXXX/XXXX/15, source : Experian, Phone : BY MAIL ONLY, Address : XXXX XXXX XXXX XXXX, SD XXXX, Company : CBNA/SEARS ). \n\nOnce I called in again to the \" lost and stolen line '', I informed them that I called about 10 minutes ago and tried to let them know that the application that was submitted was not made by me and I am a victim of identity fraud. I also informed them that the previous representative told me there was nothing in their system and to call XXXX. After being placed on hold, the representative said she did a \" deeper '' search and was able to find the application. She informed me that there was no one in the Security Department at this time and to call back in the morning between the hours of XXXX XXXX, and told me to call this phone number, ( XXXX ) XXXX. I asked her if there was any way I could get a reference number so that I did n't have to jump through hoops again in the morning to get help the needed, she was happy to provide this for me. \n\nWhen I called early morning and explained what happened and what my reference number was, the representative was extremely unresponsive and negligent. I asked her what information was given on the application and what to do with the information. She responded with that it was up to me to do any further investigating and she could n't answer any information about what address- city or state I would pursue for help. Then I informed her that I was concerned about my credit report and XXXX contacting the credit bureau to obtain a report- which to my understanding hurts my credit and should be removed from my report considering it was not myself who tried to apply with their company. At that point, I asked if I could name off old addresses that the \" alien/criminal/felon '' could 've attempted to use out of desperation for answers. She told me she could n't provide that information for me and that I did n't have any rights to it. At that point, I asked her what steps I needed to do to protect myself and how they were going to help to fix this. \n\nShe told me, it was not their responsibility in looking into this and that I needed to file my own report and get necessary help and they could request the information from them. My concern is that there was no follow up, XXXX information gathering, or any help in regards to settling a fraudulent crime that was made on behalf of their company. It seems to me that there are no set standards or protocols in handling illegal activity within their company.","date_sent_to_company":"2015-12-15T21:13:38.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"94611","tags":null,"has_narrative":true,"complaint_id":"1692973","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-12-11T06:31:45.000Z","state":"CA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["I asked her if there was any way I <em>could</em> get a reference number so that I did n't have to jump through hoops again in the morning to get help the needed, she was happy to <em>provide</em> this for me. \n\nWhen I called early morning and explained <em>what</em> <em>happened</em> and <em>what</em> my reference number was, the representative was extremely unresponsive and negligent. I asked her <em>what</em> <em>information</em> was given on the application and <em>what</em> to do with the <em>information</em>."],"issue":["Incorrect <em>information</em> on credit report"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Information</em> is not mine"]},"sort":[15.522642,"1692973"]},{"_index":"complaint-public-v1","_id":"9220105","_score":15.422924,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/year> I received an email and a text telling me I had opened a XXXX XXXX  account. I had never heard about self incXXXX let alone set up an account. Someone has stolen my identity and opened an account in my name. I called the only number listed and after providing my information the representative told me he canceled my account. I asked to speak to someone to find out what information the identity thief used to open an account. I wanted to know how this happened as I never verified an email or phone number. I wanted to know if someone needs to submit any type of photo identity to open an account. I wanted a letter stating that 1 ) The fraudulent account is not mine. 2 ) I am not liable for the account. 3 ) It was removed from my credit report. I asked to speak with someone who could help me and the customer service agent said he did not have any way to contact someone in the \" back office ''. There was no email or phone number he could provide. All he could do was send a message and someone would get back to me within XXXX business days. I later received an email from XXXX. It stated \" the account is valid and reporting correctly ''. The e-mail did not provide any way to follow up, no email and no phone number. I called again and went through the same process to try to talk to someone. Again I received an email that stated \" we have completed the investigation and determined the account is valid and reporting correctly ''. Again there was no way to have a conversation with anyone from the bank. As it stands self continues to consider my account a valid account and they have shown no interest in recognizing the fraud occurred or helping me understand how it occured. They have also not shown any interest in helping me understand what information they have.","date_sent_to_company":"2024-06-10T20:53:09.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"94403","tags":null,"has_narrative":true,"complaint_id":"9220105","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2024-06-10T20:22:24.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I had never heard <em>about</em> self incXXXX let alone set up an account. Someone has stolen my identity and opened an account in my name. I called the only number listed and after providing my <em>information</em> the representative told me he canceled my account. I asked to speak to someone to find out <em>what</em> <em>information</em> the identity thief used to open an account. I wanted to know how this <em>happened</em> as I never verified an email or phone number."]},"sort":[15.422924,"9220105"]},{"_index":"complaint-public-v1","_id":"5912150","_score":15.410646,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Friday, XX/XX/XXXX, I opened an account with Bank of America with a check in the amount of {$5300.00}. The check was a distribution from my Roth IRA written out from XXXX XXXX and drawn against XXXX XXXX. \n\nOn Saturday, XX/XX/XXXX, I could no longer access the account. \n\nUpon contacting Bank of America on Monday, XX/XX/XXXX, I was informed that the XXXX XXXX had flagged the checked as counterfeit and that Bank of America was taken the action to close the account. At this time, the account had {$2100.00} in it. \n\nI immediately contacted XXXX XXXX and informed them of the situation. They, in turn, had contacted XXXX XXXX to determine what had happened. XXXX XXXX called me on XX/XX/XXXX to inform me that XXXX XXXX had NOT deemed the check counterfeit. They had cashed the check and provided the funds to Bank of America. \n\nOn Wednesday, XX/XX/XXXX, I called Bank of America to inform them of the information from both XXXX XXXX and XXXX XXXX. Bank of America informed me that they wanted XXXX XXXX to tell XXXX XXXX to request a \" return of funds '' from Bank of America to XXXX XXXX for the remaining {$2100.00}. Bank of America was not going to reopen my account and they were waiting for XXXX XXXX to return the \" counterfeit check ''. \n\nOn Wednesday, XX/XX/XXXX, I called XXXX XXXX to inform them of Bank of America 's request. XXXX XXXX requested that Bank of America provide them said request in writing so that they could look into what was being asked. I called Bank of America to request the information be faxed to XXXX XXXX in writing. Bank of America refused to do this. \n\nOn Thursday, XX/XX/XXXX, I called Bank of America to figure out what exactly we could do to release the {$2100.00} currently in their possession. They informed me that the Bank of America Fraud Department would open an investigation into the circumstances of my account closing and the remaining money. I was told it would be five business days to complete the investigation. \n\nOn Wednesday, XX/XX/XXXX, I received a letter ( date XX/XX/2022 ) from Bank of America informing me that they decided to close my account. I also received a letter form XXXX that they received negative information about an account I am associated with ( assuming this to be the Bank of America account ). I called Bank of America to inquire about the status of the investigation since it had been almost 3 weeks. I was informed that there had been no status updates on the investigations and that there was no time line to start the investigation.","date_sent_to_company":"2022-08-25T00:25:10.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"80124","tags":null,"has_narrative":true,"complaint_id":"5912150","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-08-24T23:27:32.000Z","state":"CO","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":["XXXX XXXX requested that Bank of America <em>provide</em> them said request in writing so that they <em>could</em> look into <em>what</em> was being asked. I called Bank of America to request the <em>information</em> be faxed to XXXX XXXX in writing. Bank of America refused to do this. \n\nOn Thursday, XX/XX/XXXX, I called Bank of America to figure out <em>what</em> exactly we <em>could</em> do to release the {$2100.00} currently in their possession."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.410646,"5912150"]},{"_index":"complaint-public-v1","_id":"12406395","_score":15.401394,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2025 i received a text alert from Chase bank informing me that I needed to contact them to provide information about my account, and if I did not call them then my account may be closed. I immediately contacted the bank and was connected to a customer service representative that informed me that my accounts were restricted and due to be closed within 10 days. I inquired about the reason behind making a decision to close my accounts, because i had just moments before made a transaction. They informed me that they reserved the right to end the business relationship without providing a reason for the closure. \nI have had a relationship with Chase bank for over 10 years, often ignoring the nightmare stories that many consumers had over the years. I defended them as I believed that they were the best bank Ive ever dealt with. Nothing prepared me for what happened on this day. There was absolutely no one that I could talk to about the situation despite being transferred to several different departments. However, i was provided the executive teams information in which I contacted. They informed me that they were escalating the call and I would hear back in a matter of days. \nMeanwhile, I was told during the initial call that there was nothing I could do as they had made a final decision. This meant that I had no access to any money in the account, no access to my online account, no way I could go into a branch and access my money. I called back several hours later and was told that the reason I had no access to anything was because they were still in the middle of investigating, despite being told initially that they had made their final decision. The only thing I was concerned about was the many direct deposits that would later be up in the air while I was attempting to change my direct deposits. I was told that they would keep the account in restriction status and any payments that were to come in would be held and sent to me paper check. They had no time frame in which this could happen and stated that there was nothing else they could do. \nI work every single day, and my employment checks were deposited to this account. I have three XXXX  children each of my daughters accounts were connected to mine due to their ages. My XXXX  payments were deposited into my account. My childrens XXXX  payments went into this account. My tax refund was set to go into this account and due to me having a business of my own, payments from my customers were sent to this account. They stated that i had nearly ten days to have my information switched over and that any payments that came through would either be rejected and sent back to the sender and if my payments were to make it through they would be held and sent via paper check. Again with no answers as to when. \nAverage people like myself depend on banks like these to not only secure our money but also ensure that when they are trusted to receive our money we have access to it they have totally disrupted my life. I have four children in the home that need to be cared for and fed. Im unsure how that is supposed to happen after Ive trusted this bank with every bit of earnings I receive. When calling and explaining this situation to their customer service representatives, I was treated so poorly and talked to as if they had no concern about my wellbeing, because it wasnt them faced with this dilemma. Had one representative state that they were from XXXX and she had no clue how this was going to affect me. She then went on to instruct me to call back and ask for a representative in the United States. This practice is unacceptable. COMPLETELY unacceptable that we as consumers are treated this poorly knowing the condition the world is in. What happened to human decency when dealing with money. I trusted them, and just because you dont necessarily have to accommodate customers does not mean you shouldnt.","date_sent_to_company":"2025-03-10T19:27:06.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"60406","tags":null,"has_narrative":true,"complaint_id":"12406395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-03-10T18:30:45.000Z","state":"IL","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Nothing prepared me for <em>what</em> <em>happened</em> on this day. There was absolutely no one that I <em>could</em> talk to <em>about</em> the situation despite being transferred to several different departments. However, i was provided the executive teams <em>information</em> in which I contacted. They informed me that they were escalating the call and I would hear back in a matter of days. \nMeanwhile, I was told during the initial call that there was nothing I <em>could</em> do as they had made a final decision."]},"sort":[15.401394,"12406395"]},{"_index":"complaint-public-v1","_id":"3978055","_score":15.344503,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed a dispute with my bank about a transaction that was in error I paid by other means ( cash ) However I sent in my dispute in writing to the bank on XXXX XXXX and I never received any response what so ever on XX/XX/2020 I received a provisional credit to my account in the amount of {$340.00} the amount of the dispute. And Again I never received any information about my dispute. On XXXX XXXX they decided to reverse that provisional credit of {$340.00} and Again no information was ever sent to me about the provisional credit the status of my claim the reversal of the provisional credit. On XXXX XXXX. I was to receive my unemployment benefits to this account however at this time my account was {$340.00} in the negative and they just took my whole unemployment deposit and put it towards the negative balance on my account. XXXX XXXX a provisional credit was posted to my account for a later dispute in the amount of the {$61.00} and they also used that to pay towards the negative balance on my account. And I still have received any information about the disputes I have filed. In REGULATION E it states that a financial institution must inform the account holder 3 day before a provisional credit is posted and the status of your dispute that never happened so I believed since I never received any information and it took them longer then 10 days to credit my account i assumed it was settled. So I used it not know that the investigation was on going. Then when they came and reversed that same Credit they never informed me they was going to debit my account for the amount of the provisional credit so I had no idea that this would happen had I known the investigation was on going I would had never used the provisional credit until the investigation was completed. I missed out on having XX/XX/XXXX dinner with my kids and family because I was counting on my unemployment benefits to pay for it and when they took them without any communication what so ever it really hurt me. I'm doing without and suffering because a financial institution failed to honor the terms of a Federal Regulation E which violated my right to be informed about what was happening with my dispute and my account. They took more then 10 days to provide me a provisional credit they failed to tell me when and why they are going to reverse the provisional credit. They only sent me a copy of the receipt that the merchant sent to them only when I called and try to explain to them that I need my unemployment benefits and how can you just debit my account without me knowing how can you continue the investigation without informing me about what was going on and the support member told me that they didn't have to inform me of anything that I dispute so at that point I asked to speak with a support supervisor so I could get some help and she just informed me that there was no one at that time to talk to that someone would call me. And no one has and from the looks of it probably won't. I would like to move forward in legal action.","date_sent_to_company":"2020-11-27T17:53:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"39501","tags":null,"has_narrative":true,"complaint_id":"3978055","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2020-11-27T16:30:50.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["And I still have received any <em>information</em> <em>about</em> the disputes I have filed. In REGULATION E it states that a financial institution must inform the account holder 3 day before a provisional credit is posted and the status of your dispute that never <em>happened</em> so I believed since I never received any <em>information</em> and it took them longer then 10 days to credit my account i assumed it was settled. So I used it not know that the <em>investigation</em> was on going."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.344503,"3978055"]},{"_index":"complaint-public-v1","_id":"2771974","_score":15.287648,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX XXXX thru the XXXX, I was on a business trip in XXXX and used my credit card for purchases and services. On XXXX XXXX, I received a fraud alert text from my credit card company asking about a {$1000.00} purchase/cash advance just made with my card. I replied to the text stating it was fraud as I discovered I had lost my card and wallet. I then called my credit card company to report the theft/loss. I told them I did not make the {$1000.00} charge. They stated that they were closing the account and mailing me a new card. However, later on that evening, I logged into my credit card account to check the charges. There was ANOTHER charge after this first fraudulent charge in the amount of {$2100.00}. I called my credit card company to inform them of this and did not understand how another fraudulent charge could have happened after I earlier called them and they closed the account. \n\nTwo weeks went by and I noticed that the {$2100.00} charge was removed from my account as it was in dispute, but not the first fraud charge of {$1000.00}. Two weeks later, I again had to call them about this matter and they finally took off the {$1000.00} charge. \n\nI received multiple calls from my credit card company and a letter stating I had to provide more information or the case would be closed ; however, I spoke to my company on numerous occasions to give them all the information they required. Finally, near the end of XXXX XXXX, I reached the investigator again and asked him what else he needed to resolve this matter. He stated that the transactions required a pin or other personal information, and asked how I thought this may have happened. I told him that I had no idea. My wallet was stolen when the card was stolen and it contained personal information. I told him this, but stated I had no idea how criminals make these fraudulent transactions. I also stated that I called the company and closed the account after the first transaction ( the XXXX one that they alerted me to ), and I had no idea how the second one ( XXXX ) could have even happened. I received a voicemail back from the investigator a few days later stating that he had resolved the charges in favor of the merchant. On XXXX XXXX both charges were reversed against my new account. I then received a letter stating that they had decided in the merchants favor as I had provided the card and personal information to a third party ( which I clearly did not )! \n\nI called the company back multiple times. I asked to reopen the case, they said that was impossible. I asked if I could appeal the decisions and they told me NO. I then asked if a new investigator could be assigned to look into this matter as I do not think due diligence was done and the case was poorly handled. I was again told that this was not possible. I then called the direct number for the investigator and left a voicemail asking to speak with him and that I had issues with the resolution. I received no call back.","date_sent_to_company":"2018-01-04T22:23:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"28390","tags":"Servicemember","has_narrative":true,"complaint_id":"2771974","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-01-04T22:02:05.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I received multiple calls from my credit card company and a letter stating I had to <em>provide</em> more <em>information</em> or the case would be closed ; however, I spoke to my company on numerous occasions to give them all the <em>information</em> they required. Finally, near the end of XXXX XXXX, I reached the <em>investigator</em> again and asked him <em>what</em> else he needed to resolve this matter. He stated that the transactions required a pin or other personal <em>information</em>, and asked how I thought this may have <em>happened</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Credit card company isn't resolving a dispute <em>about</em> a purchase on your statement"]},"sort":[15.287648,"2771974"]},{"_index":"complaint-public-v1","_id":"9186831","_score":15.2265415,"_source":{"product":"Checking or savings account","complaint_what_happened":"Company : Moneylion XX/XX/year> I received a text that I did not know that time that it was a scam. The context of the message quoted \" We've detected abnormal activity on your MoneyLion account that could violate our User RulesXXXX XXXX XXXX XXXX XXXX. I clicked on the link and ask me to log in. I put in my username and password then signed in then it shows the message that my account was locked. But when I open my banking app and I can access it. XX/XX/year> I saw an unauthorized charged of {$610.00} on my account and a XXXX XXXX loan of {$1000.00} was applied to my account. I contact them to file a dispute, they said they will investigate what happened. I waited weeks and They said they can't find no error on that unauthorized transaction. I contact them to reopened the dispute, they asked for any other informations that I can provide. I send them screenshots of the text messages that I keep receiving, and screenshot of what it shows me when I clicked on the link. ( I keep receiving this text that have the company 's name and logo on it. Dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). That's all the information that I can provide since it's fraud i don't know any information about it. \nXX/XX/year> I received an email that the load requests made XX/XX/year> were unauthorized therefore they voided the loan. I don't understand how can they find the loan unauthorized but my dispute has no error. It happen the same day reported it the next day. It's frustating and giving me so much stress. If it's only {$100.00} I'll let go of it but I'm disputing {$610.00} and I needed that money.","date_sent_to_company":"2024-06-05T19:35:46.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"33611","tags":null,"has_narrative":true,"complaint_id":"9186831","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2024-06-05T19:01:07.000Z","state":"FL","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I contact them to file a dispute, they said they will <em>investigate</em> <em>what</em> <em>happened</em>. I waited weeks and They said they can't find no error on that unauthorized transaction. I contact them to reopened the dispute, they asked for any other <em>informations</em> that I can <em>provide</em>. I send them screenshots of the text messages that I keep receiving, and screenshot of <em>what</em> it shows me when I clicked on the link. ( I keep receiving this text that have the company 's name and logo on it."]},"sort":[15.2265415,"9186831"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1078,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1078}]}},"product":{"doc_count":1078,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":297,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":250},{"key":"Other banking product or service","doc_count":23},{"key":"Savings account","doc_count":23},{"key":"CD (Certificate of Deposit)","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":116,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":92},{"key":"Government benefit card","doc_count":9},{"key":"Store credit card","doc_count":8},{"key":"General-purpose prepaid card","doc_count":6},{"key":"Gift card","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":112,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":46},{"key":"Mobile or digital wallet","doc_count":35},{"key":"International money transfer","doc_count":13},{"key":"Virtual currency","doc_count":12},{"key":"Money order, traveler's check or cashier's check","doc_count":3},{"key":"Traveler's check or cashier's check","doc_count":2},{"key":"Foreign currency exchange","doc_count":1}]}},{"key":"Mortgage","doc_count":110,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":56},{"key":"FHA mortgage","doc_count":21},{"key":"VA mortgage","doc_count":19},{"key":"Other type of mortgage","doc_count":7},{"key":"Home equity loan or line of credit (HELOC)","doc_count":3},{"key":"Reverse mortgage","doc_count":2},{"key":"Conventional fixed mortgage","doc_count":1},{"key":"Manufactured home loan","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":97,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":93},{"key":"Other personal consumer report","doc_count":3},{"key":"Credit repair services","doc_count":1}]}},{"key":"Debt collection","doc_count":87,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":22},{"key":"I do not know","doc_count":22},{"key":"Other debt","doc_count":18},{"key":"Medical debt","doc_count":8},{"key":"Mortgage debt","doc_count":6},{"key":"Auto debt","doc_count":4},{"key":"Rental debt","doc_count":3},{"key":"Credit card","doc_count":2},{"key":"Telecommunications debt","doc_count":2}]}},{"key":"Credit card","doc_count":85,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":68},{"key":"Store credit card","doc_count":12}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":81,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":77},{"key":"Other personal consumer report","doc_count":4}]}},{"key":"Vehicle loan or lease","doc_count":26,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":23},{"key":"Lease","doc_count":3}]}},{"key":"Student loan","doc_count":23,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":12},{"key":"Private student loan","doc_count":11}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":9},{"key":"Other advances of future income","doc_count":1},{"key":"Payday loan","doc_count":1},{"key":"Title loan","doc_count":1}]}},{"key":"Bank account or service","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":6},{"key":"Other bank product/service","doc_count":2},{"key":"Savings account","doc_count":1}]}},{"key":"Prepaid card","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":6},{"key":"General-purpose prepaid card","doc_count":1},{"key":"Payroll card","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":5},{"key":"Personal line of credit","doc_count":2}]}},{"key":"Debt or credit management","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":2},{"key":"Credit repair services","doc_count":1},{"key":"Student loan debt relief","doc_count":1}]}},{"key":"Credit reporting","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Consumer Loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}}]}},"issue":{"doc_count":1078,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":202,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":76},{"key":"Deposits and withdrawals","doc_count":61},{"key":"Banking errors","doc_count":22},{"key":"Funds not handled or disbursed as instructed","doc_count":21},{"key":"Problem making or receiving payments","doc_count":14},{"key":"Problem accessing account","doc_count":6},{"key":"Cashing a check","doc_count":1},{"key":"Deposits or withdrawals","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":117,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":83},{"key":"Card was charged for something you did not purchase with the card","doc_count":32},{"key":"Overcharged for something you did purchase with the card","doc_count":2}]}},{"key":"Incorrect information on your report","doc_count":76,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":42},{"key":"Account status incorrect","doc_count":17},{"key":"Account information incorrect","doc_count":11},{"key":"Public record information inaccurate","doc_count":4},{"key":"Old information reappears or never goes away","doc_count":2}]}},{"key":"Fraud or scam","doc_count":56,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Attempts to collect debt not owed","doc_count":55,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":32},{"key":"Debt was result of identity theft","doc_count":15},{"key":"Debt was paid","doc_count":8}]}},{"key":"Problem with a lender or other company charging your account","doc_count":49,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":48},{"key":"Can't stop withdrawals from your account","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":48,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":9},{"key":"Escrow, taxes, or insurance","doc_count":4},{"key":"Payment process","doc_count":4},{"key":"Loan sold or transferred to another company","doc_count":2}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":42,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":24},{"key":"Investigation took more than 30 days","doc_count":8},{"key":"Problem with personal statement of dispute","doc_count":7},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Closing an account","doc_count":32,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":17},{"key":"Funds not received from closed account","doc_count":13},{"key":"Can't close your account","doc_count":2}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":31,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":15},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":7},{"key":"Problem with personal statement of dispute","doc_count":4},{"key":"Investigation took more than 30 days","doc_count":3},{"key":"Was not notified of investigation status or results","doc_count":2}]}},{"key":"Improper use of your report","doc_count":25,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":22},{"key":"Credit inquiries on your report that you don't recognize","doc_count":2},{"key":"Report provided to employer without your written authorization","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":25,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":4},{"key":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu","doc_count":2},{"key":"Foreclosure","doc_count":2},{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":1}]}},{"key":"Other transaction problem","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing on a mortgage","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in loan terms during or after closing","doc_count":2},{"key":"Closing disclosure or other related disclosures","doc_count":2},{"key":"Setting up an escrow account for taxes and insurance","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":7},{"key":"Problem with rewards from credit card","doc_count":4},{"key":"Privacy issues","doc_count":3},{"key":"Credit card company forcing arbitration","doc_count":2},{"key":"Problem with balance transfer","doc_count":2}]}},{"key":"Dealing with your lender or servicer","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":10},{"key":"Need information about your loan balance or loan terms","doc_count":2},{"key":"Problem with customer service","doc_count":2},{"key":"Don't agree with the fees charged","doc_count":1},{"key":"Trouble with how payments are being handled","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denials","doc_count":1},{"key":"Changes in loan terms during the application process","doc_count":1},{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Delays in the application process","doc_count":1},{"key":"Fees or costs during the application process","doc_count":1},{"key":"Negative impact of inaccurate appraisal","doc_count":1},{"key":"Trying to communicate with the company to fix an issue with the application process","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":7},{"key":"Loan sold or transferred to another company","doc_count":3},{"key":"Problem with fees charged","doc_count":2},{"key":"Problem with additional products or services purchased with the loan","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":7},{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":6}]}},{"key":"Problem when making payments","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":7},{"key":"You never received your bill or did not know a payment was due","doc_count":3}]}},{"key":"Closing your account","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":9},{"key":"Can't close your account","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":6},{"key":"Threatened or suggested your credit would be damaged","doc_count":3},{"key":"Threatened to sue you for very old debt","doc_count":1}]}},{"key":"Getting a credit card","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":4},{"key":"Card opened as result of identity theft or fraud","doc_count":3},{"key":"Application denied","doc_count":1},{"key":"Problem getting a working replacement card","doc_count":1}]}},{"key":"Written notification about debt","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive notice of right to dispute","doc_count":6},{"key":"Didn't receive enough information to verify debt","doc_count":3}]}},{"key":"False statements or representation","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":7},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":1}]}},{"key":"Problem caused by your funds being low","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":4},{"key":"Bounced checks or returned payments","doc_count":2},{"key":"Non-sufficient funds and associated fees","doc_count":1}]}},{"key":"Fees or interest","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged too much interest","doc_count":3},{"key":"Problem with fees","doc_count":2},{"key":"Unexpected increase in interest rate","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in terms mid-deal or after closing","doc_count":2},{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Fraudulent loan","doc_count":1},{"key":"Problem with a trade-in","doc_count":1},{"key":"Problem with additional add-on products or services purchased with the loan","doc_count":1}]}},{"key":"Getting the loan","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unable to get your credit report or credit score","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":6}]}},{"key":"Opening an account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account opened as a result of fraud","doc_count":3},{"key":"Account opened without my consent or knowledge","doc_count":1},{"key":"Unable to open an account","doc_count":1}]}},{"key":"Problem getting a card or closing an account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble getting, activating, or registering a card","doc_count":3},{"key":"Trouble closing card","doc_count":2}]}},{"key":"Problem with customer service","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Communication tactics","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened to take legal action","doc_count":2},{"key":"Used obscene, profane, or other abusive language","doc_count":1},{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Deposits and withdrawals","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unexpected or other fees","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged fees or interest you didn't expect","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity theft protection services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":3}]}},{"key":"Money was not available when promised","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems at the end of the loan or lease","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":3}]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using the card","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble using the card to spend money in a store or online","doc_count":2},{"key":"Trouble getting information about the card","doc_count":1}]}},{"key":"Trouble using your card","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":3}]}},{"key":"Account opening, closing, or management","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Advertising and marketing, including promotional offers","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive advertised or promotional terms","doc_count":2}]}},{"key":"Identity theft / Fraud / Embezzlement","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Identity theft protection or other monitoring services","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with product or service terms changing","doc_count":1},{"key":"Received unwanted marketing or advertising","doc_count":1}]}},{"key":"Incorrect information on credit report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status","doc_count":1},{"key":"Information is not mine","doc_count":1}]}},{"key":"Other service problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with personal statement of dispute","doc_count":1},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lender trying to repossess or disable the vehicle","doc_count":1},{"key":"Notice to repossess","doc_count":1}]}},{"key":"Struggling to repay your loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't get other flexible options for repaying your loan","doc_count":1},{"key":"Problem with your payment plan","doc_count":1}]}},{"key":"Using a debit or ATM card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Can't stop withdrawals from your bank account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged upfront or unexpected fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or misleading advertising or marketing","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with my lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Having problems with customer service","doc_count":1}]}},{"key":"Delinquent account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Didn't provide services promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"High pressure sales tactics or recruiting","doc_count":1}]}},{"key":"Improper use of my credit report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Report improperly shared by CRC","doc_count":1}]}},{"key":"Loan servicing, payments, escrow account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Lost or stolen check","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Making/receiving payments, sending money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with cash advance","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems receiving the advance","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Rewards","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Threatened to contact someone or share information improperly","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third-party about your debt","doc_count":1}]}},{"key":"Unauthorized withdrawals or charges","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Was approved for a loan, but didn't receive money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Wrong amount charged or received","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":1078,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":1054},{"key":"No","doc_count":24}]}},"company_response":{"doc_count":1078,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":775},{"key":"Closed with monetary relief","doc_count":171},{"key":"Closed with non-monetary relief","doc_count":129},{"key":"Untimely response","doc_count":3}]}},"submitted_via":{"doc_count":1078,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":1078}]}},"company":{"doc_count":1078,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"WELLS FARGO & COMPANY","doc_count":93},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":85},{"key":"JPMORGAN CHASE & CO.","doc_count":78},{"key":"CITIBANK, N.A.","doc_count":71},{"key":"Experian Information Solutions Inc.","doc_count":53},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":51},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":47},{"key":"EQUIFAX, INC.","doc_count":43},{"key":"AMERICAN EXPRESS COMPANY","doc_count":20},{"key":"Block, Inc.","doc_count":20},{"key":"Chime Financial Inc","doc_count":19},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":16},{"key":"TD BANK US HOLDING COMPANY","doc_count":16},{"key":"Paypal Holdings, Inc","doc_count":15},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":14},{"key":"ALLY FINANCIAL INC.","doc_count":13},{"key":"U.S. BANCORP","doc_count":13},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":12},{"key":"SYNCHRONY FINANCIAL","doc_count":12},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":12},{"key":"GOLDMAN SACHS BANK USA","doc_count":11},{"key":"Bread Financial Holdings, Inc.","doc_count":10},{"key":"DISCOVER BANK","doc_count":10},{"key":"PNC Bank N.A.","doc_count":10},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":9},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":7},{"key":"Nelnet, Inc.","doc_count":7},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":7},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":7},{"key":"AES/PHEAA","doc_count":6},{"key":"BARCLAYS BANK DELAWARE","doc_count":6},{"key":"Coinbase, Inc.","doc_count":6},{"key":"Navient Solutions, LLC.","doc_count":6},{"key":"Ocwen Financial Corporation","doc_count":6},{"key":"Rocket Mortgage, LLC","doc_count":5},{"key":"BBVA FINANCIAL CORPORATION","doc_count":4},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":4},{"key":"Freedom Mortgage Company","doc_count":4},{"key":"LoanCare, LLC","doc_count":4},{"key":"Mr. Cooper Group Inc.","doc_count":4},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":4},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":4},{"key":"SUNTRUST BANKS, INC.","doc_count":4},{"key":"Shellpoint Partners, LLC","doc_count":4},{"key":"CHARLES SCHWAB CORPORATION, THE","doc_count":3},{"key":"COMMERCE BANK","doc_count":3},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":3},{"key":"Early Warning Services, LLC","doc_count":3},{"key":"FISERV FINXACT CORE","doc_count":3},{"key":"FREEDOM FINANCIAL NETWORK","doc_count":3},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":3},{"key":"KEYCORP","doc_count":3},{"key":"Kriya Capital, LLC","doc_count":3},{"key":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","doc_count":3},{"key":"Mortgage Research Center, LLC","doc_count":3},{"key":"Netspend Corporation","doc_count":3},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":3},{"key":"TransferWise Ltd","doc_count":3},{"key":"Westlake Services, LLC","doc_count":3},{"key":"ALLIANT CREDIT UNION","doc_count":2},{"key":"AMERISAVE MORTGAGE CORPORATION","doc_count":2},{"key":"Affirm Holdings, Inc","doc_count":2},{"key":"Aldridge PIte Haan, LLP","doc_count":2},{"key":"Amsher Collection Services, Inc.","doc_count":2},{"key":"CL Holdings LLC","doc_count":2},{"key":"Comerica","doc_count":2},{"key":"Credit Karma, LLC","doc_count":2},{"key":"Dave Operating, LLC","doc_count":2},{"key":"Ditech Financial LLC","doc_count":2},{"key":"Dovenmuehle Mortgage, Inc.","doc_count":2},{"key":"Glacier Bancorp Inc.","doc_count":2},{"key":"Guild Holdings Company","doc_count":2},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":2},{"key":"LD Holdings Group, LLC","doc_count":2},{"key":"MIDFIRST BANK","doc_count":2},{"key":"MoneyLion Inc.","doc_count":2},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":2},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":2},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":2},{"key":"Penn Credit Corporation","doc_count":2},{"key":"Portfolio Recovery Associates, LLC","doc_count":2},{"key":"Resurgent Capital Services L.P.","doc_count":2},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":2},{"key":"SLM CORPORATION","doc_count":2},{"key":"Self Financial Inc.","doc_count":2},{"key":"Synovus Bank","doc_count":2},{"key":"Upstart Holdings, Inc.","doc_count":2},{"key":"WEBSTER BANK, NATIONAL ASSOCIATION","doc_count":2},{"key":"Waypoint Resource Group, LLC","doc_count":2},{"key":"ADIR INTERNATIONAL LLC","doc_count":1},{"key":"AMALGAMATED TOKEN SERVICES, INC.","doc_count":1},{"key":"American Financial Network Inc.","doc_count":1},{"key":"Avant Holding Company, Inc.","doc_count":1},{"key":"BANKMOBILE TECHNOLOGIES, INC","doc_count":1},{"key":"BB&T CORPORATION","doc_count":1},{"key":"BCO Consulting Services","doc_count":1},{"key":"BROKER SOLUTIONS, INC.","doc_count":1},{"key":"BSI Financial Holdings, Inc.","doc_count":1},{"key":"Ben Franklin Finance LLC","doc_count":1},{"key":"Brock & Scott, PLLC","doc_count":1},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":1},{"key":"CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP","doc_count":1},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"CLuisMortgages, LLC","doc_count":1},{"key":"COLORADO HOUSING AND FINANCE AUTHORITY","doc_count":1},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":1},{"key":"Caneel Capital, LLC","doc_count":1},{"key":"Capstone Credit & Collection, LLC.","doc_count":1},{"key":"Carvana Group, LLC","doc_count":1},{"key":"Castle Mortgage Corporation dba Excelerate Capital","doc_count":1},{"key":"Celsius US Holding LLC","doc_count":1},{"key":"Colten Mortgage, LLC","doc_count":1},{"key":"Conduent Incorporated","doc_count":1},{"key":"Consumer Portfolio Services, Inc.","doc_count":1},{"key":"Cooling & Winter LLC","doc_count":1},{"key":"Credit Management Services, Inc.","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"DHI Mortgage Company","doc_count":1},{"key":"DOLLAR MUTUAL BANCORP","doc_count":1},{"key":"Debt Collectors International, Inc.","doc_count":1},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":1},{"key":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","doc_count":1},{"key":"FIRSTBANK PUERTO RICO","doc_count":1},{"key":"FORD MOTOR CREDIT CO.","doc_count":1},{"key":"Fairway Independent Mortgage Corporation","doc_count":1},{"key":"Finance of America Holdings LLC","doc_count":1},{"key":"GUARANTEED RATE INC.","doc_count":1},{"key":"Global Lending Services LLC","doc_count":1},{"key":"Google Compare Credit Cards Inc.","doc_count":1},{"key":"Grant & Weber","doc_count":1},{"key":"Great Lakes Capital Management, LLC","doc_count":1},{"key":"GreenSky, LLC","doc_count":1},{"key":"Groves Capital, Inc.","doc_count":1},{"key":"Gurstel Law Firm, P.C.","doc_count":1},{"key":"HW Holding, Inc","doc_count":1},{"key":"Hanwha QCells USA Corp","doc_count":1},{"key":"Harris & Harris, Ltd.","doc_count":1},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":1},{"key":"Horizon West Financial, Inc","doc_count":1},{"key":"I.C. System, Inc.","doc_count":1},{"key":"I.Q. DATA INTERNATIONAL, INC.","doc_count":1},{"key":"Incomm Holdings Inc.","doc_count":1},{"key":"Indie Technology DBA Found","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"Kikoff Inc.","doc_count":1},{"key":"Klarna AB","doc_count":1},{"key":"LEXISNEXIS","doc_count":1},{"key":"LJ Ross Associates","doc_count":1},{"key":"LendingPoint Holdings LLC","doc_count":1},{"key":"Lendmark Financial Services","doc_count":1},{"key":"M&T BANK CORPORATION","doc_count":1},{"key":"MECHANICS BANK","doc_count":1},{"key":"MOHELA","doc_count":1},{"key":"MORTGAGE CENTER, LC","doc_count":1},{"key":"MRS BPO, LLC","doc_count":1},{"key":"Marlette Funding, LLC","doc_count":1},{"key":"Maximus Federal Services, Inc.","doc_count":1},{"key":"Messerli & Kramer P.A.","doc_count":1},{"key":"Midwest Recovery Systems","doc_count":1},{"key":"MoneySpot USA LLC DBA Sunshine Loans","doc_count":1},{"key":"NATIONAL DEBT RELIEF LLC","doc_count":1},{"key":"NEW YORK COMMUNITY BANCORP INC","doc_count":1},{"key":"National Credit Adjusters, LLC","doc_count":1},{"key":"ONEMAIN FINANCIAL HOLDINGS, LLC.","doc_count":1},{"key":"OPTUM BANK, INC.","doc_count":1},{"key":"Old Republic National Title Holding Co.","doc_count":1},{"key":"OneMain Finance Corporation","doc_count":1},{"key":"PARAMOUNT RESIDENTIAL MORTGAGE GROUP","doc_count":1},{"key":"PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"PHH Mortgage Services Corporation","doc_count":1},{"key":"PINNACLE FINANCIAL PARTNERS, INC.","doc_count":1},{"key":"PROSPERITY BANCSHARES, INC.","doc_count":1},{"key":"Paramount GR Holdings, LLC","doc_count":1},{"key":"Phelan Hallinan Diamond & Jones, PC","doc_count":1},{"key":"Pollack & Rosen, P.A.","doc_count":1},{"key":"Professional Debt Mediation, Inc.","doc_count":1},{"key":"Progrexion Holdings, Inc.","doc_count":1},{"key":"PulteGroup, Inc.","doc_count":1},{"key":"RANDOLPH-BROOKS FEDERAL CREDIT UNION","doc_count":1},{"key":"RAS LaVrar, LLC","doc_count":1},{"key":"ROBINHOOD MARKETS INC.","doc_count":1},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":1},{"key":"Receivables Management Partners, LLC","doc_count":1},{"key":"Rhode Island Housing and Mortgage Finance Corporation","doc_count":1},{"key":"Ria Envia, LLC","doc_count":1},{"key":"Robinson & Hoover","doc_count":1},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":1},{"key":"SANTANDER BANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"SIMMONS FIRST NATIONAL CORPORATION","doc_count":1},{"key":"SOUTHSTATE BANK CORPORATION","doc_count":1},{"key":"SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH","doc_count":1},{"key":"Selene Holdings LLC","doc_count":1},{"key":"Sezzle Inc.","doc_count":1},{"key":"Southwest Recovery Services, Inc.","doc_count":1},{"key":"Synergetic Communication Inc","doc_count":1},{"key":"Synergy One Lending, Inc.","doc_count":1},{"key":"T.S. Holdings","doc_count":1},{"key":"TCF NATIONAL BANK","doc_count":1},{"key":"TRANSWORLD SYSTEMS INC","doc_count":1},{"key":"Tenaglia & Hunt, PA","doc_count":1},{"key":"Tesla, Inc.","doc_count":1},{"key":"Tower Loan of Mississippi, Inc.","doc_count":1},{"key":"UMPQUA HOLDINGS CORPORATION","doc_count":1},{"key":"USCB, Inc.","doc_count":1},{"key":"Vehicle Solutions Corp","doc_count":1},{"key":"WLCC","doc_count":1},{"key":"Winklevoss Exchange LLC","doc_count":1},{"key":"XOOM CORPORATION","doc_count":1}]}},"state":{"doc_count":1078,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":160},{"key":"FL","doc_count":122},{"key":"TX","doc_count":93},{"key":"GA","doc_count":71},{"key":"NY","doc_count":59},{"key":"PA","doc_count":46},{"key":"MD","doc_count":36},{"key":"AZ","doc_count":34},{"key":"NC","doc_count":32},{"key":"VA","doc_count":32},{"key":"IL","doc_count":30},{"key":"MA","doc_count":29},{"key":"CO","doc_count":27},{"key":"NJ","doc_count":24},{"key":"MI","doc_count":22},{"key":"NV","doc_count":18},{"key":"TN","doc_count":18},{"key":"OH","doc_count":17},{"key":"MO","doc_count":16},{"key":"SC","doc_count":16},{"key":"WA","doc_count":14},{"key":"CT","doc_count":12},{"key":"MN","doc_count":12},{"key":"OR","doc_count":12},{"key":"LA","doc_count":11},{"key":"WI","doc_count":11},{"key":"IN","doc_count":10},{"key":"AL","doc_count":9},{"key":"ID","doc_count":9},{"key":"NH","doc_count":9},{"key":"DE","doc_count":7},{"key":"KS","doc_count":7},{"key":"NE","doc_count":5},{"key":"UT","doc_count":5},{"key":"DC","doc_count":4},{"key":"KY","doc_count":4},{"key":"MT","doc_count":4},{"key":"NM","doc_count":4},{"key":"HI","doc_count":3},{"key":"OK","doc_count":3},{"key":"RI","doc_count":3},{"key":"AR","doc_count":2},{"key":"IA","doc_count":2},{"key":"ME","doc_count":2},{"key":"MS","doc_count":2},{"key":"VT","doc_count":2},{"key":"AK","doc_count":1},{"key":"WV","doc_count":1},{"key":"WY","doc_count":1}]}},"company_public_response":{"doc_count":1078,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":477},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":47},{"key":"Company chooses not to provide a public response","doc_count":3},{"key":"Company disputes the facts presented in the complaint","doc_count":3},{"key":"Company believes complaint is the result of an isolated error","doc_count":2},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":2},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":1},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":1}]}},"tags":{"doc_count":1078,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":128},{"key":"Older American","doc_count":81},{"key":"Older American, Servicemember","doc_count":28}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[15.228828,"9186831"],"3":[14.483429,"5721759"],"4":[13.792933,"2810763"],"5":[13.410878,"3037576"],"6":[12.956387,"21647992"],"7":[12.612316,"8260499"],"8":[12.326518,"2635374"]}}}