{"took":323,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1417,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5258857","_score":19.694735,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I purchased a Vanilla Visa gift card on XXXX XX/XX/XXXX at XXXX XXXX exchange for {$480.00}. I tried to use the card on XXXX XXXX and the card was decline. Upon further review, it was used twice at a XXXX in the XXXX area. One for {$220.00} and the other for {$250.00}. The card has been in my possession since purchase and I did not use the card. I contacted Vanilla gift card customer service on XXXX XX/XX/XXXX and filed a Dispute packet ( Ticket/Case : XXXX ). I was told it could take up to 90 days to investigate the dispute. I called to day and was told that investigation started on XXXX XXXX and can take up to 90 days to investigate","date_sent_to_company":"2022-02-24T22:51:18.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"92596","tags":"Servicemember","has_narrative":true,"complaint_id":"5258857","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Incomm Holdings Inc.","date_received":"2022-02-24T22:38:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["I was <em>told</em> it <em>could</em> <em>take</em> up to 90 <em>days</em> to <em>investigate</em> the dispute. I called to day and was <em>told</em> that <em>investigation</em> <em>started</em> on XXXX XXXX and can <em>take</em> up to 90 <em>days</em> to <em>investigate</em>"]},"sort":[19.694735,"5258857"]},{"_index":"complaint-public-v1","_id":"14832617","_score":19.342129,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I attempted to do an ATM withdrawal for {$300.00} at the ATM located in XXXX XXXX XXXX XXXX XXXX XXXX. The ATM gave me {$40.00} and nothing else. I called the ATM company and got the information to start a claim with Chime. It was ATM XXXX at XXXX on XX/XX/year> and the sequence # XXXX. I called Chime and they took the information and said they would start the investigation but it could take until XX/XX/XXXX. I told them I was getting the money to pay the last part of my rent and I needed it right away. She told me it would more than likely be a couple days. I waited until today, Wednesday XX/XX/XXXX and called the atm company back and was told the bank should be able to give me a provisional credit since they had already settled the transaction and documented it on the list for Regulation E. I called Chime, spoke to a supervisor and told her what they said and she said the only thing she could do was send a message to the investigator and a credit could not be given because of Reg E. I told her my manager gave me until the end of today to get the money or she's requesting a writ to finalize the eviction. I feel they should be able to call the atm company to verify the transaction and give me my money back. Its been over 5 days and 3 business days now.","date_sent_to_company":"2025-07-23T22:21:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"85053","tags":null,"has_narrative":true,"complaint_id":"14832617","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-07-23T22:06:13.000Z","state":"AZ","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I called the ATM company and got the information to <em>start</em> a claim with Chime. It was ATM XXXX at XXXX on XX/XX/year> and the sequence # XXXX. I called Chime and they took the information and said they would <em>start</em> the <em>investigation</em> but it <em>could</em> <em>take</em> until XX/XX/XXXX. I <em>told</em> them I was getting the money to pay the last part of my rent and I needed it right away. She <em>told</em> me it would more than likely be a couple <em>days</em>."]},"sort":[19.342129,"14832617"]},{"_index":"complaint-public-v1","_id":"4347310","_score":19.027552,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, my credit was run in order to be approved to refinance my house, I was told that I had a 30 days late reported by Macy 's XXXX XXXX card, ( XXXX ). The charge in dispute is a {$23.00} made in XX/XX/XXXX. I did not made this purchase, I called Macy 's customer service, an operator by the name of XXXX answer the phone and promised me the following, order a new Macy XXXX XXXX XXXX Card, refund the {$23.00} back to my account and start an investigation that would result in removing the 30 days late from the bureaus. The first two promises were kept but the investigation, according to XXXX on a subsequent call made today, was not started. She mention that I hadn't file a complaint with their \" Fraud Department '' myself. I was told by her that she was going to start all 3 process she promised. Finally I spoke to XXXX at the \" Fraud Department '', who mentioned that there was an investigation on the way but not finished, I could take up to 3 months to finish. Until then they would report the Credit Bureaus, if the dispute was declare valid. I am being affected by this mistake and the time they take to resolve it. I am requesting your help on getting an answer from Macy 's. \n\n\nThank you","date_sent_to_company":"2021-05-03T21:20:44.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"92508","tags":null,"has_narrative":true,"complaint_id":"4347310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-05-03T20:57:06.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I was <em>told</em> by her that she was going to <em>start</em> all 3 process she promised. Finally I spoke to XXXX at the \" Fraud Department '', who mentioned that there was an <em>investigation</em> on the way but not finished, I <em>could</em> <em>take</em> up to 3 months to finish. Until then they would report the Credit Bureaus, if the dispute was declare valid. I am being affected by this mistake and the time they <em>take</em> to resolve it. I am requesting your help on getting an answer from Macy 's. \n\n\nThank you"]},"sort":[19.027552,"4347310"]},{"_index":"complaint-public-v1","_id":"15037313","_score":18.97648,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/year> I purchased a XXXX using Klarnas one time card you receive with financing. I planned on making this purchase through XXXX. Once I placed the order I immediately got a email that my XXXX account was on hold for suspicious activity because the card was unfamiliar. I submitted all my necessary documents but XXXX decided to cancel the order. Upon cancellation I realized that Klarna continued with the purchase and payments. I submitted a dispute and was told to contact XXXX for the refund process to start because Klarna themselves dont take money from accounts. Once I spoke to an XXXX customer service representative I was told that XXXX never withdrew anything for this purchase because it was never shipped. I then contacted Klarna customer service and they told me that it would have to be refunded once my XXXX time card was canceled. After this I did some research and found out that I could cancel the XXXX time card myself so the following day I went in my app and realized that I didnt have an option to do so. I then contacted customer support and was told that they would have to send my case over to a different department for further investigation and I would hear something in XXXX days. I waited and never received a email, text, or anything confirming they even started the investigation. I then contacted support once again and was told that it was going to take Klarna 20 days to investigate and refund. It went from 7 days, to 14 days, to 2-3 days, and now 21 days. Ive kept screenshots of the whole process and Klarna keeps insisting that there is nothing they can possibly do until the team fully investigates within the 20 days.","date_sent_to_company":"2025-08-01T19:15:49.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"304XX","tags":null,"has_narrative":true,"complaint_id":"15037313","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Klarna AB","date_received":"2025-08-01T18:52:39.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I then contacted support once again and was <em>told</em> that it was going to <em>take</em> Klarna 20 <em>days</em> to <em>investigate</em> and refund. It went from 7 <em>days</em>, to 14 <em>days</em>, to 2-3 <em>days</em>, and now 21 <em>days</em>. Ive kept screenshots of the whole process and Klarna keeps insisting that there is nothing they can possibly do until the team fully <em>investigates</em> within the 20 <em>days</em>."]},"sort":[18.97648,"15037313"]},{"_index":"complaint-public-v1","_id":"3106870","_score":18.873259,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a new account with Citi Bank using a {$400.00} bonus offer. During the account set up procedure a security issue ( on their end ) resulted in a delay in the account being funded. This was going to cause me to potentially miss the funding deadline to receive the bonus. \n\nI contacted citi bank support and was told that it should not be a problem. The issue could be addressed if I called in at a later date and explained the situation. The bonus could then be applied. \n\nI waited a couple of months and then contacted phone support. At that time I was told that it was too early to verify whether I had met the bonus requirements. \n\nA month or so later I contacted support through chat. This time I was told that the bonus had been applied. \n\nAbout a month later I received an email stating that my bonus had been denied. I contacted support and explained that two previous agents and said the bonus would be applied. I was told that when they checked my account an investigation had been started 90 days before, but a new one would have to be started that could take an additional 90 days. \n\nAt this point, XXXX  has held on to my money for longer than required to receive the bonus. Had support told me from the beginning that I was going to be ineligible for the bonus, I would have closed the account and moved the money somewhere more useful. However, because XXXX  support advised me that the bonus would be forthcoming I left the money in place. I'd like to move the money if the bonus is not going to be awarded, but I'm stuck in limbo because of the additional 90 days of investigation.","date_sent_to_company":"2018-12-21T14:32:59.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"65807","tags":null,"has_narrative":true,"complaint_id":"3106870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-12-21T14:14:10.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["I was <em>told</em> that when they checked my account an <em>investigation</em> had been <em>started</em> 90 <em>days</em> before, but a new one would have to be <em>started</em> that <em>could</em> <em>take</em> an additional 90 <em>days</em>. \n\nAt this point, XXXX  has held on to my money for longer than required to receive the bonus. Had support <em>told</em> me from the beginning that I was going to be ineligible for the bonus, I would have closed the account and moved the money somewhere more useful."]},"sort":[18.873259,"3106870"]},{"_index":"complaint-public-v1","_id":"5664138","_score":18.337463,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2022 I received an email and text that a wire transfer in the amount of {$8100.00} was initiated on my USAA checking account. I immediately called USAA, while on hold I received a call from them ( the contact is saved in my phone so it was USAA number ). I switched over and was told it was fraud dept trying to stop a fraudulent wire. They went thru the process to lock my account and reset all passwords, issue new debit cards, etc and was told it was resolved before wire was sent. About an hour later I received a push notification in the app that the balance on my account was low. I opened it and saw the wire actually went out and immediately called USAA again. I was told at that time the call earlier was a spoofed number and a hoax. The fraud dept member told me they would help me actually update my account security and start the process of getting my funds returned. I was told it would take about XXXX business days and call back if funds were not returned to my account. On XX/XX/2022 I called USAA and was told the rep had not started a fraud investigation and had not issued a wire recall that day. The person I spoke to said that was not proper protocol of the first rep. They actually were not in the wire dept and should have transferred me or told me to call back the next business days since after XXXX XXXX XXXX. Neither of these things happened and I was apologized to and told it would take place that very day. They said to give it a couple weeks because of the excessive amount of wire fraud taking place such as mine. I called back on XX/XX/XXXX and was once again told an investigation had not been started, nor had a recall been issued. I was AGAIN told this was against protocol and they would start the process that day. A wire recall was finally issued XXXX  days after I first called and reported the fraud within the hour. My funds could have possibly been recovered if USAA followed proper protocol and issued the wire recall and began the investigation immediately. It took over a week and and XXXX phone calls from me for them to even start the process. I have called multiple time since XX/XX/2022 and now am only being told the investigation is \" in process '' and the \" wire recall was not successful ''. I have asked to speak to managers or customer reps with more authority and have been told someone would call me back but have not received one phone call from USAA in XXXX weeks. Their failure to work on my behalf to recall the wire and issue a fraud investigation immediately when I contacted them cost me {$8100.00}.","date_sent_to_company":"2022-06-13T15:51:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"325XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5664138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2022-06-13T15:30:51.000Z","state":"FL","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The fraud dept member <em>told</em> me they would help me actually update my account security and <em>start</em> the process of getting my funds returned. I was <em>told</em> it would <em>take</em> about XXXX business <em>days</em> and call back if funds were not returned to my account. On XX/XX/2022 I called USAA and was <em>told</em> the rep had not <em>started</em> a fraud <em>investigation</em> and had not issued a wire recall that day. The person I spoke to said that was not proper protocol of the first rep."]},"sort":[18.337463,"5664138"]},{"_index":"complaint-public-v1","_id":"6820852","_score":18.079447,"_source":{"product":"Mortgage","complaint_what_happened":"My loan is almost 2 years old. I noticed this year that my taxes for XXXX and XXXX were not paid. I called them over 14 days ago to find out what was going on since they collect escrow money on my loan. They could not say what happened and told me they would be in touch in 48 hours.\n\nA week later I called and advised no one had contacted me. This time they said it would take 10 days to investigate and that they would take care of the taxes. \n\nThis week I received a letter saying that they are processing my account for an escrow exemption. This comes too late as now there is over {$500.00} in late fee 's due to the county for their negligence. \n\nI need help please this is beyond unprofessional and I'm starting to wonder if this is some kind of fraud to take my home away.","date_sent_to_company":"2023-04-10T18:47:03.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"321XX","tags":null,"has_narrative":true,"complaint_id":"6820852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2023-04-10T18:20:36.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I called them over 14 <em>days</em> ago to find out what was going on since they collect escrow money on my loan. They <em>could</em> not say what happened and <em>told</em> me they would be in touch in 48 hours.\n\nA week later I called and advised no one had contacted me. This time they said it would <em>take</em> 10 <em>days</em> to <em>investigate</em> and that they would <em>take</em> care of the taxes. \n\nThis week I received a letter saying that they are processing my account for an escrow exemption."]},"sort":[18.079447,"6820852"]},{"_index":"complaint-public-v1","_id":"2312213","_score":18.076153,"_source":{"product":"Student loan","complaint_what_happened":"I co signed on a school loan from XXXX bank when my son attended XXXX. It was deferred for a good while because my son could n't get a decent paying job. He has been paying XXXX now for a while. Before XXXX he wanted to be paid so he paid extra. He was paid ahead almost 3 months. 6 days after he last made a payment his loan was bought by Firstmark Services in XX/XX/2016. He received an email and an immediate bill saying his payment was due. He called and explained he was paid ahead for XXXX and was told they do n't do that and the money he paid ahead was put on interest, They changed his payment from XXXX to XXXX a month. He explained that he paid ahead and this was n't right what they were doing. They told him they would conduct a investigation that could take up tp 2 weeks. They started calling my house in XXXX and I told the lady he was ahead 3 months. She said to mail his proof that he paid ahead so he sent proof to them from his bank. In XXXX they started calling everyday all day threatening my credit if he did n't pay. He called them and was told that the 2 week investigation could take 120 days or as long as they wanted. I have repeatedly told these people that there was an investigation going on. Now they are threatening us to sue at the end of XXXX. Everyone I talk to knows nothing because they did not even have the paperwork yet from XXXX Bank. They know the loan is there but know no facts. All they do is threaten us on the phone. My son will make the rest of what they claim he owes so it does not go to court. But I feel like we are dealing with the mafia or loan sharks. Do what we tell you or else. I have ask at least 3 different people how they would like it if there car loan was paid 3 months ahead and then sold and they were ask to start paying immediately. They said they would not like it, so why is it fair to do that to my son. I 'm upset because I have really good credit and they keep threatening me for no good reason.","date_sent_to_company":"2017-01-31T16:38:08.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"48813","tags":null,"has_narrative":true,"complaint_id":"2312213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2017-01-26T16:44:41.000Z","state":"MI","company_public_response":null,"sub_issue":"Keep getting calls about my loan"},"highlight":{"complaint_what_happened":["In XXXX they <em>started</em> calling everyday all day threatening my credit if he did n't pay. He called them and was <em>told</em> that the 2 week <em>investigation</em> <em>could</em> <em>take</em> 120 <em>days</em> or as long as they wanted. I have repeatedly <em>told</em> these people that there was an <em>investigation</em> going on. Now they are threatening us to sue at the end of XXXX. Everyone I talk to knows nothing because they did not even have the paperwork yet from XXXX Bank. They know the loan is there but know no facts."]},"sort":[18.076153,"2312213"]},{"_index":"complaint-public-v1","_id":"10716842","_score":18.053558,"_source":{"product":"Checking or savings account","complaint_what_happened":"savings account was started XXXX XXXX. 2024, I tried to log into my account via the XXXX by Goldman Sachs XXXX and was notified that the account was closed on XX/XX/XXXX XXXX after countless phone calls, no one from customer service can give me any information on why my account was closed, why is it under review and when i will get my {$350.00} dollars returned to me. after XXXX attempts i was told i would get my money between XXXX days. after still not receving my funds to my bank i reached out to customer service again on XXXX and now was told the investigation could take XXXX  days. i just want my money back.","date_sent_to_company":"2024-11-06T16:59:07.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"60423","tags":null,"has_narrative":true,"complaint_id":"10716842","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-11-06T16:45:28.000Z","state":"IL","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["to customer service again on XXXX and now was <em>told</em> the <em>investigation</em> <em>could</em> <em>take</em> XXXX  <em>days</em>. i just want my money back."]},"sort":[18.053558,"10716842"]},{"_index":"complaint-public-v1","_id":"3817283","_score":18.011356,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2020, I placed an online order with XXXX. I cancelled the order within minutes. I received an email confirming cancellation and it stated I was not charged, if any charges were made, contact my financial institution. On XX/XX/2020, American Express Serve processed the transaction and withdrew the funds. When I called to question it, I was told they would start the dispute process and I would hear back within 10 days. XX/XX/2020 I called for an update and was told I had to file the forms, which they then emailed to me and I completed and returned. XX/XX/XXXX, I received an email requesting proof of the transaction. I completed the form and sent a copy of the email cancellation. Again I was told 10-45 days to \" investigate ''. 2 weeks pass, I called and was told they hadn't begun the investigation. As of today, XX/XX/2020, still no refund, no resolution and told it could take up to 45 days. I do not understand what needs to be investigated since AmEx processed the transaction after it was cancelled. I am beyond do frustrated with this company.","date_sent_to_company":"2020-08-27T17:06:16.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"01108","tags":null,"has_narrative":true,"complaint_id":"3817283","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2020-08-27T16:48:13.000Z","state":"MA","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["Again I was <em>told</em> 10-45 <em>days</em> to \" <em>investigate</em> ''. 2 weeks pass, I called and was <em>told</em> they hadn't begun the <em>investigation</em>. As of today, XX/XX/2020, still no refund, no resolution and <em>told</em> it <em>could</em> <em>take</em> up to 45 <em>days</em>. I do not understand what needs to be <em>investigated</em> since AmEx processed the transaction after it was cancelled. I am beyond do frustrated with this company."]},"sort":[18.011356,"3817283"]},{"_index":"complaint-public-v1","_id":"17040090","_score":17.970528,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Saturday, XX/XX/year>, a withdraw of {$4500.00} was made from my savings account at Truist bank. I noticed the next day when I checked my account online. Since it was a Sunday, I called the XXXX number for the bank, and was told Id have to wait until the transaction posted to the account before I could start the fraud reports. Once it was posted, I called my local bank in West Virginia and was told that I didnt need to come in to sign anything, that she would file the paperwork for me. They told me that someone in XXXX, Florida has a drivers license with my name, the same ID number as my license, and the same expiration date as my drivers license. The only difference is it is a Florida license and not a West Virginia license. I had all my accounts at Truist frozen, and went to withdraw the money from my other accounts and close them out on XXXX XXXXXX/XX/XXXX. I was told that I would be receiving phone calls and emails with updates regarding my fraud case, but I have not heard anything. Ive called back multiple times and have been given no real information other than they are performing their internal investigation. I do understand that is a process that needs to happen, but I also need to address my identity theft issue. In order for the XXXX Police Department to start an investigation into my identity theft, they need to know what branch this transaction took place at so they can pull security footage, and Truist is refusing to tell me. Truist said that they can not release the location of the branch to me until their investigation is complete, which could take up to 30 days. My concern is that 30 days from now is a long time to wait to start an identity theft case with the police.","date_sent_to_company":"2025-11-05T20:33:30.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"260XX","tags":null,"has_narrative":true,"complaint_id":"17040090","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-11-05T20:10:58.000Z","state":"WV","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":["In order for the XXXX Police Department to <em>start</em> an <em>investigation</em> into my identity theft, they need to know what branch this transaction took place at so they can pull security footage, and Truist is refusing to tell me. Truist said that they can not release the location of the branch to me until their <em>investigation</em> is complete, which <em>could</em> <em>take</em> up to 30 <em>days</em>. My concern is that 30 <em>days</em> from now is a long time to wait to <em>start</em> an identity theft case with the police."]},"sort":[17.970528,"17040090"]},{"_index":"complaint-public-v1","_id":"9711012","_score":17.85353,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year> I attempted to deposit {$1000.00} into the atm at Wells Fargo in XXXX, XXXX XXXX It is a common practice because I dont like having to wait in a long line just to deposit money. As I slid the money into the atm, it got stuck. The atm started to malfunction and an error message came up on the screen. I tried to reach in to pull my money out but the deposit door came down and locked my money inside the atm. The bank tellers told me that there was nothing they could do. They told me to call the number and file a claim. They called atm services and I was told it could take 5 hours for them to show up. I asked to speak to a manager, but was told she works at the XXXX XXXX branch. I tried to call and speak with her, but was never able to get her on the phone. I sat in front of the broken atm for hours until the atm tech finally showed up. He opened the atm door and pulled my money out. He said, that he was not allowed to give me my money and that he needed to print a \" jam report ''. He claimed that once the claim department finishes their investigation, they would credit my account. How are you allowed to keep money that isnt even yours? The deposit never went through because your machine malfunctioned. To this date, Wells Fargo has not credited my money and I was told that it could take up to 10 days. I have called for an update and they wont give me any information other than it could take 10 days. I have no way of knowing when or if I will get my money back. It's ridiculous that I have to even file a claim for money that isnt theirs.","date_sent_to_company":"2024-08-05T21:51:15.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"39402","tags":null,"has_narrative":true,"complaint_id":"9711012","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-05T21:38:34.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["He claimed that once the claim department finishes their <em>investigation</em>, they would credit my account. How are you allowed to keep money that isnt even yours? The deposit never went through because your machine malfunctioned. To this date, Wells Fargo has not credited my money and I was <em>told</em> that it <em>could</em> <em>take</em> up to 10 <em>days</em>. I have called for an update and they wont give me any information other than it <em>could</em> <em>take</em> 10 <em>days</em>. I have no way of knowing when or if I will get my money back."]},"sort":[17.85353,"9711012"]},{"_index":"complaint-public-v1","_id":"7008459","_score":17.718346,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2023 an unauthorized transaction was made on my account in the amount of {$1600.00}. I was unaware of this transaction until XXXX XXXX. Once I became aware I contacted the card issuer ( My Wisely ) to start a fraud claim. The card issuer stated they would send out a replacement card and fraud paperwork to complete my claim. I received a new card in approximately XXXX days. I contacted the card issuer again on XX/XX/2023 because I had yet to receive any paperwork. The phone representative stated that the paperwork is sent from a different department and usually takes XXXX business days to arrive. I inquired about receiving the paperwork by email and was told that was not an option and I should get it in the mail soon. I was told the dispute process was already underway and could take up to 90 days to complete. On XX/XX/2023 I received a letter stating that \" The investigation has been finalized and we've determined that there was no error. No credit will be issued ''.","date_sent_to_company":"2023-06-22T18:41:42.000Z","issue":"Problem with a purchase or transfer","sub_product":"Payroll card","zip_code":"90802","tags":null,"has_narrative":true,"complaint_id":"7008459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2023-05-22T04:00:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["I inquired about receiving the paperwork by email and was <em>told</em> that was not an option and I should get it in the mail soon. I was <em>told</em> the dispute process was already underway and <em>could</em> <em>take</em> up to 90 <em>days</em> to complete. On XX/XX/2023 I received a letter stating that \" The <em>investigation</em> has been finalized and we've determined that there was no error. No credit will be issued ''."]},"sort":[17.718346,"7008459"]},{"_index":"complaint-public-v1","_id":"7511560","_score":17.632282,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Contacted XXXX XXXX over a period of XXXX weeks due to all credit bureaus reporting mortgage as late. Was denied a loan and all credit card accounts closed due to this. XXXXXXXX XXXX stated they would start an investigation because they are showing in their end they have not reported any lates. Was told investigation would be completed XX/XX/2023. Contacted XXXX on XX/XX/2023 and was told it could take up to 30 days. Requested to speak with leadership as agent was communicating back and forth for advisement with leadership. Was then hung up on and no return call made back to me. I have requested they contact all credit bureaus directly and fix this, but they are refusing to do so and continue to state they arent showing theyve reported any lates. Lates show on all credit reporting bureaus since XX/XX/2023.","date_sent_to_company":"2023-09-06T16:47:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"37303","tags":null,"has_narrative":true,"complaint_id":"7511560","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-06T16:47:54.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXXXXXX XXXX stated they would <em>start</em> an <em>investigation</em> because they are showing in their end they have not reported any lates. Was <em>told</em> <em>investigation</em> would be completed XX/XX/2023. Contacted XXXX on XX/XX/2023 and was <em>told</em> it <em>could</em> <em>take</em> up to 30 <em>days</em>. Requested to speak with leadership as agent was communicating back and forth for advisement with leadership. Was then hung up on and no return call made back to me."]},"sort":[17.632282,"7511560"]},{"_index":"complaint-public-v1","_id":"7511583","_score":17.630325,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Contacted Movement Mortgage over a period of 3 weeks due to all credit bureaus reporting mortgage as late. Was denied a loan and all credit card accounts closed due to this. Movement Mortgage stated they would start an investigation because they are showing in their end they have not reported any lates. Was told investigation would be completed XX/XX/2023. Contacted Movement on XX/XX/2023 and was told it could take up to 30 days. Requested to speak with leadership as agent was communicating back and forth for advisement with leadership. Was then hung up on and no return call made back to me. I have requested they contact all credit bureaus directly and fix this, but they are refusing to do so and continue to state they arent showing theyve reported any lates. Lates show on all credit reporting bureaus since XX/XX/2023.","date_sent_to_company":"2023-09-06T16:47:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"37303","tags":null,"has_narrative":true,"complaint_id":"7511583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Movement Mortgage LLC","date_received":"2023-09-06T16:37:25.000Z","state":"TN","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Movement Mortgage stated they would <em>start</em> an <em>investigation</em> because they are showing in their end they have not reported any lates. Was <em>told</em> <em>investigation</em> would be completed XX/XX/2023. Contacted Movement on XX/XX/2023 and was <em>told</em> it <em>could</em> <em>take</em> up to 30 <em>days</em>. Requested to speak with leadership as agent was communicating back and forth for advisement with leadership. Was then hung up on and no return call made back to me."]},"sort":[17.630325,"7511583"]},{"_index":"complaint-public-v1","_id":"16445652","_score":17.512552,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, two fraudulent charges were made to my Target XXXX, each in the amount of {$610.00} to XXXX. I have repeatedly reported this to Target card services, both in writing and on the phone. Each time I call I get a different answer. I was first told that it was a refund of a credit that I should not have received. I asked for the date that the incorrect credit was issued, but she could not tell me. No such credit appears on my bills on online. I was told twice that the fraudulent charges would be reversed, but that it takes 7-10 days, so just wait. Lastly I was told that there was a fraud investigation and it will take 90 days. My bill is due in a few days so I will have to pay Target XXXX {$1200.00} for purchases that I didn't make in order to maintain my credit score.\n\nThis card number that was used for these two fraudulent charges was canceled on XX/XX/XXXX, because of a series of fraudulent charges that started on XX/XX/XXXX. I would like the two fraudulent charges removed and my Target XXXX account closed. Unfortunately I can not get any one at Targetcard Services to help me.","date_sent_to_company":"2025-10-08T18:49:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"224XX","tags":null,"has_narrative":true,"complaint_id":"16445652","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-10-08T18:19:26.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I was first <em>told</em> that it was a refund of a credit that I should not have received. I asked for the date that the incorrect credit was issued, but she <em>could</em> not tell me. No such credit appears on my bills on online. I was <em>told</em> twice that the fraudulent charges would be reversed, but that it <em>takes</em> 7-10 <em>days</em>, so just wait. Lastly I was <em>told</em> that there was a fraud <em>investigation</em> and it will <em>take</em> 90 <em>days</em>."]},"sort":[17.512552,"16445652"]},{"_index":"complaint-public-v1","_id":"8097156","_score":17.493961,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXXXXXX  and XXXX my FSA debit card ( issued by Optum Bank for Optum Financial ) was used fraudulently at a pharmacy I regularly do business with. There were two debits for {$100.00} on each of the three days totaling. {$600.00}. I called Optum XX/XX/XXXX after noticing the debits and initially was told to contact the Pharmacy as they could reverse the transactions. When I went to the Pharmacy, they told me they would look into it then called me a few days later to inform me that they could not find the transactions. I then contacted Optum again to begin a formal investigation. The card was cancelled, and I was told I would receive a new card and also some paperwork that would need to be completed and signed but that they would begin looking into the fraudulent debits immediately. I received the new card and a a few weeks later an affidavit which I signed and returned by certified mail. Per the USPS tracking info ( Tracking Number XXXX ) was received at Optum 's XXXX, XXXX  offices on XXXX XXXX XXXX. Since then, I have been calling every two to three weeks trying to get the status of the investigation, but I keep getting the run around and was always told it can take up to 90 days. If the 90 days is calculated from when first reported that has passed some time ago. Since I did not have access to the stolen funds, I was unable to use the card for medical expenses as only {$550.00} of that {$600.00} will be carried over to XXXX. Their offshore call centers are unhelpful and refuse to escalate my calls to anyone in the fraud department or a supervisor. My employer only started using Optum for our XXXX accounts starting XX/XX/XXXXXXXX  and if this is how they handle issues I dread to think what may be ahead.","date_sent_to_company":"2024-01-03T23:16:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85013","tags":null,"has_narrative":true,"complaint_id":"8097156","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OPTUM BANK, INC.","date_received":"2024-01-03T22:40:18.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["There were two debits for {$100.00} on each of the three <em>days</em> totaling. {$600.00}. I called Optum XX/XX/XXXX after noticing the debits and initially was <em>told</em> to contact the Pharmacy as they <em>could</em> reverse the transactions. When I went to the Pharmacy, they <em>told</em> me they would look into it then called me a few <em>days</em> later to inform me that they <em>could</em> not find the transactions. I then contacted Optum again to begin a formal <em>investigation</em>."]},"sort":[17.493961,"8097156"]},{"_index":"complaint-public-v1","_id":"9722230","_score":17.459234,"_source":{"product":"Credit card","complaint_what_happened":"on XX/XX/year> i was notified by Home Depot CC asking if i made a purchase in XXXX Texas, i stated that i did not. i live in XXXX. they said they would cancel the charge. i requested that the account be closed. i did receive email confirmation of the account closure and the fraud charge. \ni am now being billed for over {$600.00} in charges on the closed account from purchases made in XXXX Texas. \nwhen i contacted them, i was told, the fraud did not get over to billing. \ni then contacted fraud dept. they said the investigation was never started. they would go ahead and start it now, and it could take XXXX days. \ni ask them to send me a statement that i have a XXXX balance and i am not liable for the amount, i was told they can not send that out. billing has to do that. \ni am worried about my credit rating and payment history, which is impeccable. \ni should be able to receive ample documentation from them stating the results of the investigation and the confirmation of the closed account and XXXX balance.","date_sent_to_company":"2024-08-06T14:39:18.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"11758","tags":null,"has_narrative":true,"complaint_id":"9722230","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-06T14:22:41.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["when i contacted them, i was <em>told</em>, the fraud did not get over to billing. \ni then contacted fraud dept. they said the <em>investigation</em> was never <em>started</em>. they would go ahead and <em>start</em> it now, and it <em>could</em> <em>take</em> XXXX <em>days</em>. \ni ask them to send me a statement that i have a XXXX balance and i am not liable for the amount, i was <em>told</em> they can not send that out. billing has to do that. \ni am worried about my credit rating and payment history, which is impeccable."]},"sort":[17.459234,"9722230"]},{"_index":"complaint-public-v1","_id":"10546286","_score":17.455595,"_source":{"product":"Credit card","complaint_what_happened":"I used a Home Depot Credit card to purchase lawn equipment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which was supposed to be delivered on XX/XX/XXXX. After receiving a notification from XXXX that the package was delivered, I immediately called the XXXX XXXX XXXX center to inform them that I had not received my package and that the proof of delivery photo did not match my house. The representative said that they would contact the supervisor for the delivery driver and have them go back to the location where it was delivered. I waited XXXX business hours before calling for an update. I received a text notification that I should reach out to the shipper to file a claim. I called Home Depot to start a dispute and was informed that the investigation could take up to XXXX weeks to be resolved. I also reached back out to XXXX  to start a dispute on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Home Depot Services with the status update about the claim. As of XX/XX/XXXX, the claim was denied and they cited the XXXX  proof of delivery and documentation was provided with the letter. On XX/XX/XXXX I called XXXX to get a Case number to provide to Home Depot which could could possibly prove that I sent photos of my front door for XXXX  to compare to their proof of delivery photo in hopes that this would prove that the package never made it to my home. I was told that they needed a \" XXXX XXXX '' in order to launch an investigation on their end. I then called Home Depot to fulfill that request and was told that I should receive a credit to my account within XXXX to XXXX business days and that the \" Shipper waiver '' would not be necessary. On XX/XX/XXXX, I noticed that the credit was never issued on my Home Depot statement. XXXX also sent an email on XX/XX/XXXX to say that Under Terms and Conditions, the shipper did not request a signature to be required at the time of delivery and therefore they were unable to approve the claim. I called Home Depot to check the status of the refund and they asked me to call CITI Bank, which is the company who issues the card, to claim a refund. Citi Bank told me that they would launch their own investigation which would take an additional XXXX to XXXX business days. On XX/XX/XXXX, I called to check the status and was told that the claim was denied and they cited the same delivery information from XXXX. I reached back out to XXXX  and no one has responded. Citi Bank also said that Home Depot would have to approve the refund before they could issue a credit. I spoke to a supervisor at Citi Bank who started a conference call with Home Depot to possibly resolve the issue. After an hour of conversation, the result was that both Citi Bank and Home Depot told me that there was nothing that they could do since XXXX had the proof of delivery albeit to the wrong address. XXXX Tracking # XXXX XXXX  Case # XXXX","date_sent_to_company":"2024-10-24T00:44:04.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"77075","tags":null,"has_narrative":true,"complaint_id":"10546286","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-10-23T23:35:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Citi Bank <em>told</em> me that they would launch their own <em>investigation</em> which would <em>take</em> an additional XXXX to XXXX business <em>days</em>. On XX/XX/XXXX, I called to check the status and was <em>told</em> that the claim was denied and they cited the same delivery information from XXXX. I reached back out to XXXX  and no one has responded. Citi Bank also said that Home Depot would have to approve the refund before they <em>could</em> issue a credit."]},"sort":[17.455595,"10546286"]},{"_index":"complaint-public-v1","_id":"3951233","_score":17.420544,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/2020 I authorized XXXX XXXX to charge my business debit Visa card for a purchase which was never filled. I waited weeks before giving up with the vendor and then contacted Bank of America to start a dispute. Dispute was opened first week of XXXX and was told a provisional credit would given while they investigate especially since I supplied proof of tracking info and that package never left there store. Few days go buy no credit, so j call then Im told that they would issue credit but I would have to wait 30-45 days for investigation to take place. 45 days come and I call and they say need to wait 60 days because Merchany hadnt responded. 60 days was on XXXX I called and they said that credit should be issued soon, few more days go by I call and now Im being told it was 90days to complete investigation new date is XXXX. I call on XXXX and they tell me it should have taken place just waiting on visa to reverse the transaction. BofA would follow up with me by the end of bussiness that day. I never got a call or email. I call again and after 2 hours on the phone i get someone that can look up claim and tell me that all the other reps misinformed me and that there is no time fram and that we just have to wait for the merchant to make decision on there end or respond to dispute. So hypothetically rep said it could take another few months or years. No guarantee even no Im the victim and have proof","date_sent_to_company":"2020-11-12T06:07:30.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"727XX","tags":null,"has_narrative":true,"complaint_id":"3951233","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-11-12T05:52:14.000Z","state":"AR","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":["Few <em>days</em> go buy no credit, so j call then Im <em>told</em> that they would issue credit but I would have to wait 30-45 <em>days</em> for <em>investigation</em> to <em>take</em> place. 45 <em>days</em> come and I call and they say need to wait 60 <em>days</em> because Merchany hadnt responded. 60 <em>days</em> was on XXXX I called and they said that credit should be issued soon, few more <em>days</em> go by I call and now Im being <em>told</em> it was 90<em>days</em> to complete <em>investigation</em> new date is XXXX."]},"sort":[17.420544,"3951233"]},{"_index":"complaint-public-v1","_id":"2684195","_score":17.414038,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Saturday, XXXX XXXX, XXXX, I attempted to deposit {$40.00} in cash to an ATM at the XXXX XXXX XXXX Wells Fargo in XXXX, NC. The ATM accepted my money, closed the deposit slot, then malfunctioned. The message on the screen stated that the ATM could not process my transaction. The money was not credited to my account, and the machine did not return my money. \n\nI called the customer service line immediately to file a claim. The person who assisted me was rude and did not seem to want to help. She told me she filed a claim, but did n't actually complete all of the information. On Wednesday, XXXX XXXX, the agent 's supervisor called me and told me they had not started to investigate my problem yet. Finally, the claim was filed, XXXX days AFTER I reported the incident. I believe the bank should incur a penalty for not starting the investigation immediately. \n\nOn XXXX/XXXX/XXXX I called the branch where the incident happened. They said they could not help me. I called the claims department of Wells Fargo again, and they told that they are crediting my account. I will believe it when I see it. They also claim that they have 10 days to investigate. I am not sure why it takes so long to correct a machine malfunction. I am also not sure why the bank is refusing to pay me interest on the money that they kept without my permission for XXXX calendar days. Every single person I dealt with treated me like a nuisance instead of a customer. \n\nI have spent an incredible amount of time trying to get this problem resolved. I have been lied to, dismissed, disrespected, and treated like trash. I did n't do anything to create this issue, and I do n't understand why the bank could n't even apologize for causing me so many headaches. As of now, I still do not have the money back.","date_sent_to_company":"2017-09-25T20:38:37.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"28211","tags":null,"has_narrative":true,"complaint_id":"2684195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-09-25T20:21:12.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["On Wednesday, XXXX XXXX, the agent 's supervisor called me and <em>told</em> me they had not <em>started</em> to <em>investigate</em> my problem yet. Finally, the claim was filed, XXXX <em>days</em> AFTER I reported the incident. I believe the bank should incur a penalty for not <em>starting</em> the <em>investigation</em> immediately. \n\nOn XXXX/XXXX/XXXX I called the branch where the incident happened. They said they <em>could</em> not help me. I called the claims department of Wells Fargo again, and they <em>told</em> that they are crediting my account."]},"sort":[17.414038,"2684195"]},{"_index":"complaint-public-v1","_id":"2792014","_score":17.322523,"_source":{"product":"Checking or savings account","complaint_what_happened":"I 've been trying to open a checking account with Discover Bank over the past month, and I 've been met with a very concerning lack of communication with the company. I already have a credit card account and a savings account with Discover, both of which were painless processes and I 've been perfectly happy with them. \n\nI first applied for their Cashback Checking account on ( or around ) XXXX XXXX, XXXX. I had no problems with the application process and I was told by a customer service representative that I should receive a decision letter in the mail within the next 3-5 business days or so if I was approved for an account. Eager, I called back three days later to check the status of my application, and I was told that it had been \" closed '' without any explanation. I tried to get an answer out of the customer service representative, but I was told that they could not see the reason why it was closed. Instead, I was urged to submit a second application for the same kind of checking account. I stayed on the line with the representative as I submitted my second application on XXXX XXXX, XXXX, and was told it would take 5-7 business days to receive a decision letter in the mail.\n\nFast forward two weeks ( about 8-9 business days ), I still have received no form of documentation or communication from Discover Bank. I called their customer service line to inquire about my second application. I was told by the representative that the application had reached \" a decision '' on XXXX XXXX, XXXX, but they still could not see if I was approved or not, and that I 'd have to continue to wait for the letter in the mail, as it could take up to 10 business days or so. A few days go by, and I STILL have gotten nothing from Discover Bank. I called once more to inquire about the application, and I 'm then told that my second application was \" pretty old at that point '' and was urged to apply a third time. \n\nNow I 'm starting to get angry. I published my complaint on Discover 's XXXX page on XXXX XXXX, XXXX and get a response the following day with a link that took me to a messenger chat room on their website. I repeated my issue with the customer service representative in the chat room. She told me that my complaint would be forwarded to the \" appropriate department '' so they could start an investigation and would call me on my cell phone number in my account profile within 48 hours. As of today, XXXX XXXX, XXXX, they have made no attempt to contact me regarding my issue. I contacted them today via the same chatroom I used on XXXX XXXX requesting an update on the investigation. I was told by the representative that it is still \" undergoing investigation '' and I would recieve correspondance in the mail, but there was no ETA on when I would recieve it. \n\nI am now furious with this company and have decided to take action with this complaint. I 've submitted my highly sensitive personal information to this company numerous times for a simple checking account and I 've been getting nothing but the runaround from them. Nobody seems to know who 's handling my information or what 's going on behind the scenes, and I am furious and very concerned as to what 's happening with my information. \n\nI need a direct, honest answer as soon as possible. \n\nThank you.","date_sent_to_company":"2018-01-24T19:35:35.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"28262","tags":null,"has_narrative":true,"complaint_id":"2792014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2018-01-24T18:55:13.000Z","state":"NC","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["She <em>told</em> me that my complaint would be forwarded to the \" appropriate department '' so they <em>could</em> <em>start</em> an <em>investigation</em> and would call me on my cell phone number in my account profile within 48 hours. As of today, XXXX XXXX, XXXX, they have made no attempt to contact me regarding my issue. I contacted them today via the same chatroom I used on XXXX XXXX requesting an update on the <em>investigation</em>."]},"sort":[17.322523,"2792014"]},{"_index":"complaint-public-v1","_id":"6861188","_score":17.31045,"_source":{"product":"Checking or savings account","complaint_what_happened":"On or around XX/XX/2023 my wallet and cell phone was stolen from my car. I reported the theft to the authorities and they issued a report which is all they said they could do about it. Whoever stole my wallet started to use my debit cards at various locations around the city to the tune of nearly {$300.00}. I contacted Chime ( XXXX XXXX XXXX ) to inform them of the fraudulent transactions and go through their process of disputing these charges. They told me that the process takes between 60 and 90 days to complete but that I was eligible for a temporary credit for the amount stolen until they completed their investigation. They told me that I had to wait 2 weeks before they would give me that credit. They never gave me the credit. Upon checking the app on my phone I saw that the disputes were denied. I then contacted them again to find out what was going on because they denied it in less than 10 days, an agent informed me that I could request a re investigation. Doing this would make the time start over for receiving the temporary credit. I really needed my money. I reached back out to them a total of three times in the month of XXXX. All they would tell me was that after their investigation my disputes were denied and they would send me an email detailing why in 10 days, I was told that twice. I provided them with a copy of the police report and they still denied it. I dont think its fair that I had to be penalized for being a victim of theft. I have yet to receive any emails detailing why I was denied receiving my money back in my account. I am XXXX and unable to work so I really need help with getting my money back.","date_sent_to_company":"2023-04-20T00:08:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"29205","tags":null,"has_narrative":true,"complaint_id":"6861188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-04-19T23:26:29.000Z","state":"SC","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["They <em>told</em> me that the process <em>takes</em> between 60 and 90 <em>days</em> to complete but that I was eligible for a temporary credit for the amount stolen until they completed their <em>investigation</em>. They <em>told</em> me that I had to wait 2 weeks before they would give me that credit. They never gave me the credit. Upon checking the app on my phone I saw that the disputes were denied."]},"sort":[17.31045,"6861188"]},{"_index":"complaint-public-v1","_id":"4170475","_score":17.297972,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX and XX/XX/XXXX there were three \" Bill Pay '' transfers from my account that were fraudulent. One was in the amount of XXXX dollars. another for XXXX dollars and a third for XXXX dollars totaling XXXX dollars from my account. The party responsible was able to call Reliacard customer service and change the email on my account allowing them to change my password and gain access to my online account which they then used the \" Bill Pay '' feature to send money to private accounts. I called Reliacard customer service on XX/XX/XXXX as soon as I became aware of the fraud as I could not access my online account due to the password having been changed. I told them that I did not make those transfers and asked them to cancel the transfers. I was given PCTR ticket numbers for each of the three transfers and told that a fraud investigation would be opened and to expect it to take 10-15 business days for the investigation to run its course and for me to get my money back. After waiting over 15 days I called the Reliacard yet again and was told that an investigation had not begun because they were waiting on dispute forms from me that I never receive nor was I ever informed that I needed them. They told me that they could mail the dispute forms to me and I could return and the investigation would begin once they received the dispute forms. I waited 7 days to receive the dispute paperwork in the mail and never received it so I called reliacard customer service once again and they told they could fax me the paperwork so I gave them my fax number and told that the fax would received by the next day. The fax never came so I once again called reliacard and was told that the fax had not been sent so they told me they would send it again. I once again did not receive a fax from Reliacard. I then called again and was told that a dispute had actually never been started on my account and that is why the dispute paperwork had never been mailed or faxed. They finally started the disupte claim and I did actually receive the dispute paperwork through a fax that I then filled and faxed back to the company on XX/XX/XXXX. I was told to give them XXXX days again to investigate the fraud. I called back again on XX/XX/XXXX to check on the status of the investigation and was told that they are unable to dispute a claim involving \" BillPay '' and that I needed to contact the company that does the \" BillPay '' even the link that takes me to website for \" BillPay '' and click on customer service tells you to call the number on the back of your card. Also if you look in the Reliacard cardholder agreement under Section 24 Bill Pay Service line K states \" for bill pay error resolution, please refer to the \" Your Right to Dispute Errors '' section above ''. Your Right to Dispute Errors is Section 16 of the agreement telling you to contact Reliacard customer service and follow the exact steps that I have taken. After pointing this out to representative that I spoke she asked me to hold and then came back on the line telling me that they had made an error and that you they can dispute \" BillPay '' charges but then telling me that I had to refile my claim because they had made mistake on the first one. Which she admitted was their mistake and I have on recording telling me that they had made several mistakes in the handling of this claim. She told me to call back and to speak with the fraud department as she could not transfer me to them. She also refused to tell me the name of her supervisor or give me a way to contact them, telling me that there was no one else I can talk to aside from her. I then called back to customer service asking to be connected to the fraud department and was told that I could not be transferred but they would escalate my claim to the fraud department and told I would have to wait another five days for claim to be processed to start the process over again. At this point I have been dealing with this issue for over two months and have contacted them almost every week, I in good faith reported this fraud to them the day I became aware of it and well within the reasonable time frame as laid out in the card holder agreement. I no longer believe this company is acting in good faith to resolve this claim and have purposely been trying to obfuscate my attempts to have my money returned to me. Below I have the dispute paperwork that I faxed to them.","date_sent_to_company":"2021-02-26T06:37:37.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"43229","tags":null,"has_narrative":true,"complaint_id":"4170475","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-02-26T05:43:57.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["After waiting over 15 <em>days</em> I called the Reliacard yet again and was <em>told</em> that an <em>investigation</em> had not begun because they were waiting on dispute forms from me that I never receive nor was I ever informed that I needed them. They <em>told</em> me that they <em>could</em> mail the dispute forms to me and I <em>could</em> return and the <em>investigation</em> would begin once they received the dispute forms."]},"sort":[17.297972,"4170475"]},{"_index":"complaint-public-v1","_id":"3426028","_score":17.26906,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I started a dispute on Equifax 's website on XX/XX/2019 for inquiries I did not authorize on my credit report. I was told that you couldn't do it online with them but when I got on their website to see my inquiries, they had a dispute section for inquiries. So I filed the dispute and listed the inquiries I did not recognize and they said it could take up to 30 days. 4 days later I got the results of the investigation only to find out they did not look into the inquiries, they just gave me a way to look into them. So I called and asked if they weren't going to actually look into the inquiries what's the purpose of having that option on their website? Their response was that they're sorry.","date_sent_to_company":"2019-11-02T13:18:49.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30152","tags":null,"has_narrative":true,"complaint_id":"3426028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-11-02T12:54:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["So I filed the dispute and listed the inquiries I did not recognize and they said it <em>could</em> <em>take</em> up to 30 <em>days</em>. 4 <em>days</em> later I got the results of the <em>investigation</em> only to find out they did not look into the inquiries, they just gave me a way to look into them. So I called and asked if they weren't going to actually look into the inquiries what's the purpose of having that option on their website? Their response was that they're sorry."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.26906,"3426028"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1417,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1417}]}},"product":{"doc_count":1417,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":432,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":374},{"key":"Savings account","doc_count":31},{"key":"Other banking product or service","doc_count":26},{"key":"CD (Certificate of Deposit)","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":205,"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":144},{"key":"Store credit card","doc_count":19},{"key":"General-purpose prepaid card","doc_count":18},{"key":"Government benefit card","doc_count":18},{"key":"Payroll card","doc_count":4},{"key":"Gift card","doc_count":2}]}},{"key":"Mortgage","doc_count":184,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":90},{"key":"FHA mortgage","doc_count":38},{"key":"VA mortgage","doc_count":25},{"key":"Other type of mortgage","doc_count":12},{"key":"Conventional fixed mortgage","doc_count":7},{"key":"Home equity loan or line of credit (HELOC)","doc_count":7},{"key":"Conventional adjustable mortgage (ARM)","doc_count":2},{"key":"Home equity loan or line of credit","doc_count":1},{"key":"Other mortgage","doc_count":1},{"key":"Reverse mortgage","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":134,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":59},{"key":"Mobile or digital wallet","doc_count":40},{"key":"Virtual currency","doc_count":17},{"key":"International money transfer","doc_count":11},{"key":"Traveler's check or cashier's check","doc_count":4},{"key":"Money order, traveler's check or cashier's check","doc_count":2},{"key":"Debt settlement","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":93,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":87},{"key":"Other personal consumer report","doc_count":4},{"key":"Credit repair services","doc_count":2}]}},{"key":"Credit card","doc_count":92,"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":67},{"key":"Store credit card","doc_count":14}]}},{"key":"Debt collection","doc_count":76,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":23},{"key":"Other debt","doc_count":21},{"key":"I do not know","doc_count":7},{"key":"Medical debt","doc_count":6},{"key":"Federal student loan debt","doc_count":4},{"key":"Mortgage debt","doc_count":3},{"key":"Rental debt","doc_count":3},{"key":"Credit card","doc_count":2},{"key":"Payday loan debt","doc_count":2},{"key":"Auto debt","doc_count":1},{"key":"Medical","doc_count":1},{"key":"Mortgage","doc_count":1},{"key":"Other (i.e. phone, health club, etc.)","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":46,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":41},{"key":"Lease","doc_count":5}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":45,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":44},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Student loan","doc_count":38,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":24},{"key":"Private student loan","doc_count":10},{"key":"Non-federal student loan","doc_count":4}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":20,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":12},{"key":"Personal line of credit","doc_count":6},{"key":"Payday loan","doc_count":1},{"key":"Title loan","doc_count":1}]}},{"key":"Bank account or service","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":16},{"key":"Other bank product/service","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":13,"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":"Personal line of credit","doc_count":1},{"key":"Title loan","doc_count":1}]}},{"key":"Prepaid card","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":8},{"key":"General-purpose prepaid card","doc_count":3},{"key":"Payroll card","doc_count":2}]}},{"key":"Credit reporting","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Debt or credit management","doc_count":3,"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":"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}]}},{"key":"Payday loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"issue":{"doc_count":1417,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":286,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":108},{"key":"Problem using a debit or ATM card","doc_count":94},{"key":"Funds not handled or disbursed as instructed","doc_count":30},{"key":"Banking errors","doc_count":26},{"key":"Problem making or receiving payments","doc_count":13},{"key":"Problem accessing account","doc_count":8},{"key":"Cashing a check","doc_count":5},{"key":"Fee problem","doc_count":2}]}},{"key":"Problem with a purchase shown on your statement","doc_count":136,"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":90},{"key":"Card was charged for something you did not purchase with the card","doc_count":45},{"key":"Overcharged for something you did purchase with the card","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":91,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":80},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":7},{"key":"Can't stop withdrawals from your account","doc_count":4}]}},{"key":"Fraud or scam","doc_count":82,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble during payment process","doc_count":81,"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":8},{"key":"Escrow, taxes, or insurance","doc_count":7},{"key":"Payment process","doc_count":5},{"key":"Fees charged","doc_count":2}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":54,"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":26},{"key":"Investigation took more than 30 days","doc_count":15},{"key":"Problem with personal statement of dispute","doc_count":8},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":5}]}},{"key":"Struggling to pay mortgage","doc_count":54,"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":10},{"key":"Foreclosure","doc_count":3},{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":2},{"key":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu","doc_count":2}]}},{"key":"Incorrect information on your report","doc_count":48,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":22},{"key":"Account information incorrect","doc_count":16},{"key":"Information belongs to someone else","doc_count":7},{"key":"Old information reappears or never goes away","doc_count":2},{"key":"Information is incorrect","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":35,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was paid","doc_count":13},{"key":"Debt is not yours","doc_count":12},{"key":"Debt was result of identity theft","doc_count":10}]}},{"key":"Problem with a purchase or transfer","doc_count":35,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":20},{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":15}]}},{"key":"Other features, terms, or problems","doc_count":34,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with balance transfer","doc_count":11},{"key":"Other problem","doc_count":10},{"key":"Problem with rewards from credit card","doc_count":7},{"key":"Privacy issues","doc_count":3},{"key":"Problem with customer service","doc_count":3}]}},{"key":"Closing an account","doc_count":33,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Funds not received from closed account","doc_count":15},{"key":"Company closed your account","doc_count":11},{"key":"Can't close your account","doc_count":4},{"key":"Fees charged for closing account","doc_count":3}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":33,"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":13},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":9},{"key":"Investigation took more than 30 days","doc_count":5},{"key":"Was not notified of investigation status or results","doc_count":5},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Other transaction problem","doc_count":28,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem when making payments","doc_count":27,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":20},{"key":"You never received your bill or did not know a payment was due","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":25,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":13},{"key":"Trouble with how payments are being handled","doc_count":8},{"key":"Don't agree with the fees charged","doc_count":2},{"key":"Problem with customer service","doc_count":2}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in loan terms during the application process","doc_count":2},{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Delays in the application process","doc_count":1}]}},{"key":"False statements or representation","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":13},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":2}]}},{"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":6},{"key":"Loan sold or transferred to another company","doc_count":3},{"key":"Problem with fees charged","doc_count":2},{"key":"Problem with the interest rate","doc_count":2},{"key":"Problem with additional products or services purchased with the loan","doc_count":1}]}},{"key":"Problem caused by your funds being low","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":6},{"key":"Non-sufficient funds and associated fees","doc_count":5},{"key":"Bounced checks or returned payments","doc_count":2},{"key":"Late or other fees","doc_count":1}]}},{"key":"Closing your account","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":13}]}},{"key":"Struggling to pay your loan","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":6},{"key":"Lender trying to repossess or disable the vehicle","doc_count":4},{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":2},{"key":"Problem after you declared or threatened to declare bankruptcy","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Took or threatened to take negative or legal action","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":5},{"key":"Seized or attempted to seize your property","doc_count":3},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":2},{"key":"Collected or attempted to collect exempt funds","doc_count":1},{"key":"Sued you without properly notifying you of lawsuit","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Setting up an escrow account for taxes and insurance","doc_count":1},{"key":"Trying to communicate with the company to fix an issue with the loan closing","doc_count":1}]}},{"key":"Getting a credit card","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened as result of identity theft or fraud","doc_count":9},{"key":"Card opened without my consent or knowledge","doc_count":1},{"key":"Delay in processing application","doc_count":1}]}},{"key":"Charged fees or interest you didn't expect","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unexpected or other fees","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Opening an account","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive terms that were advertised","doc_count":4},{"key":"Unable to open an account","doc_count":2},{"key":"Account opened as a result of fraud","doc_count":1},{"key":"Confusing or missing disclosures","doc_count":1}]}},{"key":"Fees or interest","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":5},{"key":"Charged too much interest","doc_count":2}]}},{"key":"Getting a loan or lease","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":3},{"key":"Changes in terms mid-deal or after closing","doc_count":2},{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Problem with a trade-in","doc_count":1}]}},{"key":"Getting the loan","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan modification,collection,foreclosure","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan servicing, payments, escrow account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using the card","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using the card to withdraw money from an ATM","doc_count":4},{"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":7,"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":6},{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}},{"key":"Improper use of your report","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit inquiries on your report that you don't recognize","doc_count":3},{"key":"Reporting company used your report improperly","doc_count":3}]}},{"key":"Problem getting a card or closing an account","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble closing card","doc_count":3},{"key":"Trouble getting, activating, or registering a card","doc_count":3}]}},{"key":"Struggling to repay your loan","doc_count":6,"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":3},{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":2},{"key":"Problem lowering your monthly payments","doc_count":1}]}},{"key":"Written notification about debt","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":5},{"key":"Didn't receive notice of right to dispute","doc_count":1}]}},{"key":"Account opening, closing, or management","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Advertising and marketing, including promotional offers","doc_count":5,"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":4},{"key":"Confusing or misleading advertising about the credit card","doc_count":1}]}},{"key":"Problems at the end of the loan or lease","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with paying off the loan","doc_count":2},{"key":"Excess mileage, damage, or wear fees, or other problem after the lease is finished","doc_count":1},{"key":"Termination fees or other problem when ending the lease early","doc_count":1},{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":1}]}},{"key":"Using a debit or ATM card","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with my lender or servicer","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Having problems with customer service","doc_count":2},{"key":"Keep getting calls about my loan","doc_count":1},{"key":"Trouble with how payments are handled","doc_count":1}]}},{"key":"Identity theft / Fraud / Embezzlement","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Money was not available when promised","doc_count":4,"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":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Was not notified of investigation status or results","doc_count":2},{"key":"Investigation took more than 30 days","doc_count":1},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account reinstatement or redemption after repossession","doc_count":2},{"key":"Lender trying to repossess or disable the vehicle","doc_count":1},{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":1}]}},{"key":"Communication tactics","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":1},{"key":"Threatened to take legal action","doc_count":1},{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Cont'd attempts collect debt not owed","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":1},{"key":"Debt resulted from identity theft","doc_count":1},{"key":"Debt was paid","doc_count":1}]}},{"key":"Making/receiving payments, sending money","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with additional add-on products or services","doc_count":3,"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":3,"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":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem getting your free annual credit report","doc_count":2},{"key":"Other problem getting your report or credit score","doc_count":1}]}},{"key":"Closing/Cancelling account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit card protection / Debt protection","doc_count":2,"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":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":1},{"key":"Problem with product or service terms changing","doc_count":1}]}},{"key":"Deposits and withdrawals","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"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":"Information is not mine","doc_count":2}]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems caused by my funds being low","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized withdrawals or charges","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"APR or interest rate","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Billing disputes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Can't contact lender","doc_count":1,"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":"Credit decision / Underwriting","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit reporting company's investigation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took too long","doc_count":1}]}},{"key":"Customer service / Customer relations","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 line of credit","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"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 payment wasn't credited to your 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":"Other service problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with customer service","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Settlement process and costs","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Taking out the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Taking/threatening an illegal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened to sue on too old debt","doc_count":1}]}},{"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":"Trouble accessing funds in your mobile or digital wallet","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unexpected fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle was repossessed or sold the vehicle","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":1417,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":1381},{"key":"No","doc_count":36}]}},"company_response":{"doc_count":1417,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":1053},{"key":"Closed with monetary relief","doc_count":254},{"key":"Closed with non-monetary relief","doc_count":104},{"key":"Untimely response","doc_count":5},{"key":"In progress","doc_count":1}]}},"submitted_via":{"doc_count":1417,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":1417}]}},"company":{"doc_count":1417,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"JPMORGAN CHASE & CO.","doc_count":118},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":116},{"key":"WELLS FARGO & COMPANY","doc_count":111},{"key":"CITIBANK, N.A.","doc_count":110},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":59},{"key":"Chime Financial Inc","doc_count":38},{"key":"EQUIFAX, INC.","doc_count":36},{"key":"U.S. BANCORP","doc_count":31},{"key":"PNC Bank N.A.","doc_count":28},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":28},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":27},{"key":"Experian Information Solutions Inc.","doc_count":26},{"key":"SYNCHRONY FINANCIAL","doc_count":26},{"key":"AMERICAN EXPRESS COMPANY","doc_count":25},{"key":"Block, Inc.","doc_count":20},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":20},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":20},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":19},{"key":"Paypal Holdings, Inc","doc_count":17},{"key":"TD BANK US HOLDING COMPANY","doc_count":16},{"key":"BARCLAYS BANK DELAWARE","doc_count":15},{"key":"Comerica","doc_count":14},{"key":"Shellpoint Partners, LLC","doc_count":14},{"key":"Ocwen Financial Corporation","doc_count":13},{"key":"ALLY FINANCIAL INC.","doc_count":12},{"key":"Bread Financial Holdings, Inc.","doc_count":12},{"key":"Mr. Cooper Group Inc.","doc_count":12},{"key":"Navient Solutions, LLC.","doc_count":12},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":11},{"key":"LoanCare, LLC","doc_count":10},{"key":"MOHELA","doc_count":10},{"key":"DISCOVER BANK","doc_count":9},{"key":"KEYCORP","doc_count":9},{"key":"SUNTRUST BANKS, INC.","doc_count":9},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":9},{"key":"AES/PHEAA","doc_count":7},{"key":"Freedom Mortgage Company","doc_count":7},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":7},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":6},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":6},{"key":"Coinbase, Inc.","doc_count":6},{"key":"Early Warning Services, LLC","doc_count":6},{"key":"M&T BANK CORPORATION","doc_count":6},{"key":"Netspend Corporation","doc_count":6},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":6},{"key":"Credit Karma, LLC","doc_count":5},{"key":"GOLDMAN SACHS BANK USA","doc_count":5},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":5},{"key":"Westlake Services, LLC","doc_count":5},{"key":"Affirm Holdings, Inc","doc_count":4},{"key":"BBVA FINANCIAL CORPORATION","doc_count":4},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":4},{"key":"Conduent Incorporated","doc_count":4},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":4},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":4},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":4},{"key":"Rocket Mortgage, LLC","doc_count":4},{"key":"AMERISAVE MORTGAGE CORPORATION","doc_count":3},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":3},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":3},{"key":"Incomm Holdings Inc.","doc_count":3},{"key":"MIDFIRST BANK","doc_count":3},{"key":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","doc_count":3},{"key":"MoneyLion Inc.","doc_count":3},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":3},{"key":"OneMain Finance Corporation","doc_count":3},{"key":"PLANET HOME LENDING, LLC","doc_count":3},{"key":"SANTANDER BANK, NATIONAL ASSOCIATION","doc_count":3},{"key":"Santander Consumer USA Holdings Inc.","doc_count":3},{"key":"ZIONS BANCORPORATION","doc_count":3},{"key":"BANKMOBILE TECHNOLOGIES, INC","doc_count":2},{"key":"BB&T CORPORATION","doc_count":2},{"key":"BOEING EMPLOYEES' CREDIT UNION","doc_count":2},{"key":"Blackhawk Network Holdings Inc.","doc_count":2},{"key":"Bridgecrest Acceptance Corporation","doc_count":2},{"key":"Carvana Group, LLC","doc_count":2},{"key":"Conn's, Inc.","doc_count":2},{"key":"Dodge Enterprises Inc.","doc_count":2},{"key":"Dovenmuehle Mortgage, Inc.","doc_count":2},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":2},{"key":"EdFinancial Services","doc_count":2},{"key":"FISERV FINXACT CORE","doc_count":2},{"key":"GREAT LAKES","doc_count":2},{"key":"Indie Technology DBA Found","doc_count":2},{"key":"LD Holdings Group, LLC","doc_count":2},{"key":"LendingPoint Holdings LLC","doc_count":2},{"key":"Movement Mortgage LLC","doc_count":2},{"key":"NEW YORK COMMUNITY BANCORP INC","doc_count":2},{"key":"National Credit Systems,Inc.","doc_count":2},{"key":"PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION","doc_count":2},{"key":"PHH Mortgage Services Corporation","doc_count":2},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":2},{"key":"Radius Global Solutions LLC","doc_count":2},{"key":"SERVICEMAC, LLC","doc_count":2},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":2},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":2},{"key":"Thaxton Investment Corporation","doc_count":2},{"key":"United Shore Financial Services, LLC","doc_count":2},{"key":"WEBSTER BANK, NATIONAL ASSOCIATION","doc_count":2},{"key":"WESTERN UNION COMPANY, THE","doc_count":2},{"key":"21ST MORTGAGE CORP.","doc_count":1},{"key":"ACS Education Services","doc_count":1},{"key":"ADP Inc.","doc_count":1},{"key":"ADP, LLC","doc_count":1},{"key":"ALLIANT CREDIT UNION","doc_count":1},{"key":"AMALGAMATED TOKEN SERVICES, INC.","doc_count":1},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"AMERIS BANCORP","doc_count":1},{"key":"Absolute Resolutions Corp.","doc_count":1},{"key":"AmeriHome Mortgage Company, LLC","doc_count":1},{"key":"American Credit Acceptance, LLC","doc_count":1},{"key":"Americas Car-Mart, Inc.","doc_count":1},{"key":"Atlanticus Services Corporation","doc_count":1},{"key":"AutoMoney, Inc.","doc_count":1},{"key":"Avant Holding Company, Inc.","doc_count":1},{"key":"BANK OF THE WEST","doc_count":1},{"key":"BHFC Financial Services INC","doc_count":1},{"key":"BROKER SOLUTIONS, INC.","doc_count":1},{"key":"BSI Financial Holdings, Inc.","doc_count":1},{"key":"Bepensa Capital, Inc.","doc_count":1},{"key":"CARD Corporation","doc_count":1},{"key":"CARS Acquisition, LLC","doc_count":1},{"key":"CHARLES SCHWAB CORPORATION, THE","doc_count":1},{"key":"CLGF Holdco 1, LLC","doc_count":1},{"key":"CMG Financial Services, Inc.","doc_count":1},{"key":"CNG FINANCIAL CORPORATION","doc_count":1},{"key":"Caliber Home Loans, Inc.","doc_count":1},{"key":"Capital Collection Management LLC","doc_count":1},{"key":"Central Mortgage Funding, LLC","doc_count":1},{"key":"Checkr, Inc","doc_count":1},{"key":"Chrysalis Holdings LLC","doc_count":1},{"key":"Clarity Debt Resolution, Inc","doc_count":1},{"key":"Colony Brands, Inc.","doc_count":1},{"key":"Colten Mortgage, LLC","doc_count":1},{"key":"Consumer Portfolio Services, Inc.","doc_count":1},{"key":"Continental Finance Company, LLC","doc_count":1},{"key":"DCN Holdings Inc.","doc_count":1},{"key":"DEBT 0, INC","doc_count":1},{"key":"DailyPay, Inc","doc_count":1},{"key":"Data Mortgage Inc.","doc_count":1},{"key":"Ditech Financial LLC","doc_count":1},{"key":"Diversified Consultants, Inc.","doc_count":1},{"key":"Dividend Finance Inc.","doc_count":1},{"key":"Duvera Billing Services, LLC","doc_count":1},{"key":"ECMC GROUP, INC.","doc_count":1},{"key":"Education Principle Foundation","doc_count":1},{"key":"FB FINANCIAL CORPORATION","doc_count":1},{"key":"FC HoldCo LLC","doc_count":1},{"key":"FIRST HORIZON BANK","doc_count":1},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":1},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":1},{"key":"FRANKLIN AMERICAN MORTGAGE CO.","doc_count":1},{"key":"FULTON FINANCIAL CORPORATION","doc_count":1},{"key":"Farrell Holdings, LLC","doc_count":1},{"key":"Fay Servicing, LLC","doc_count":1},{"key":"FinCo Services Inc DBA Current","doc_count":1},{"key":"Firstsource Business Process Services, LLC","doc_count":1},{"key":"Foris DAX, Inc.","doc_count":1},{"key":"Franklin Collection Service, Inc.","doc_count":1},{"key":"GOLDEN 1 CREDIT UNION, THE","doc_count":1},{"key":"GREENSKY OPERATIONS, LLC","doc_count":1},{"key":"GUARANTEED RATE INC.","doc_count":1},{"key":"General Information Services, Inc","doc_count":1},{"key":"General Motors Financial Company, Inc.","doc_count":1},{"key":"Genpact Limited","doc_count":1},{"key":"Green Square Company LLC.","doc_count":1},{"key":"GreenSky, LLC","doc_count":1},{"key":"Greenberg, Grant & Richards Inc.","doc_count":1},{"key":"Guidiville Indian Rancheria","doc_count":1},{"key":"Guild Holdings Company","doc_count":1},{"key":"HFS Financial LLC","doc_count":1},{"key":"HILLTOP HOLDINGS, INC","doc_count":1},{"key":"HW Holding, Inc","doc_count":1},{"key":"Herbert P. Sears Co., Inc.","doc_count":1},{"key":"Horizon West Financial, Inc","doc_count":1},{"key":"Klarna AB","doc_count":1},{"key":"Kohn Law Firm S.C.","doc_count":1},{"key":"Kriya Capital, LLC","doc_count":1},{"key":"LAKEVIEW LOAN SERVICING, LLC","doc_count":1},{"key":"LEXISNEXIS","doc_count":1},{"key":"LendingUSA","doc_count":1},{"key":"Levy & Associates, LLC","doc_count":1},{"key":"Loqbox US Inc","doc_count":1},{"key":"MECHANICS BANK","doc_count":1},{"key":"MONEY SOURCE, INC., THE","doc_count":1},{"key":"Malen & Associates, p.c.","doc_count":1},{"key":"Mercedes Benz Financial Services","doc_count":1},{"key":"Midwest Recovery Systems","doc_count":1},{"key":"NEXA Mortgage, LLC","doc_count":1},{"key":"Nations Direct Mortgage, LLC","doc_count":1},{"key":"Nationwide Capital Services, LLC","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"OLD NATIONAL BANCORP","doc_count":1},{"key":"ONEMAIN FINANCIAL HOLDINGS, LLC.","doc_count":1},{"key":"OPORTUN FINANCIAL CORPORATION","doc_count":1},{"key":"OPTUM BANK, INC.","doc_count":1},{"key":"PACIFIC WESTERN BANK","doc_count":1},{"key":"PINNACLE FINANCIAL PARTNERS, INC.","doc_count":1},{"key":"PLAZA HOME MORTGAGE, INC.","doc_count":1},{"key":"POPULAR BANK","doc_count":1},{"key":"Performant Financial Corporation","doc_count":1},{"key":"Phoenix Health Care Management Services, Inc.","doc_count":1},{"key":"ProCollect, Inc.","doc_count":1},{"key":"Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch","doc_count":1},{"key":"Professional Debt Mediation, Inc.","doc_count":1},{"key":"ROBINHOOD MARKETS INC.","doc_count":1},{"key":"Recovery Solutions Group, LLC","doc_count":1},{"key":"Relay Financial (US), Corp.","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"Revco Management, LLC","doc_count":1},{"key":"Ria Envia, LLC","doc_count":1},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":1},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"SILVERGATE CAPITAL CORPORATION","doc_count":1},{"key":"SLM CORPORATION","doc_count":1},{"key":"Selene Holdings LLC","doc_count":1},{"key":"Solar Mosaic LLC","doc_count":1},{"key":"Southwest Stage Funding","doc_count":1},{"key":"Statebridge Company","doc_count":1},{"key":"Student Aid Experts","doc_count":1},{"key":"Synovus Bank","doc_count":1},{"key":"T.S. Holdings","doc_count":1},{"key":"TCF NATIONAL BANK","doc_count":1},{"key":"TEAM USA MORTGAGE L.L.C.","doc_count":1},{"key":"TRANSWORLD SYSTEMS INC","doc_count":1},{"key":"Tesla, Inc.","doc_count":1},{"key":"Top Flight Assistance (Top Flight Credit Assistance)","doc_count":1},{"key":"TransferWise Ltd","doc_count":1},{"key":"Troy Capital, LLC","doc_count":1},{"key":"Turning Point Solutions LLC","doc_count":1},{"key":"UMB FINANCIAL CORPORATION","doc_count":1},{"key":"UPGRADE, INC.","doc_count":1},{"key":"USCB, Inc.","doc_count":1},{"key":"United Collection Bureau, Inc.","doc_count":1},{"key":"Upstart Holdings, Inc.","doc_count":1},{"key":"VW Credit","doc_count":1},{"key":"WHEELS FINANCIAL GROUP, LLC.","doc_count":1},{"key":"WLCC","doc_count":1},{"key":"WSFS FINANCIAL CORPORATION","doc_count":1},{"key":"Waypoint Resource Group, LLC","doc_count":1},{"key":"XOOM CORPORATION","doc_count":1}]}},"state":{"doc_count":1417,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":199},{"key":"TX","doc_count":128},{"key":"FL","doc_count":124},{"key":"NY","doc_count":94},{"key":"GA","doc_count":68},{"key":"PA","doc_count":53},{"key":"VA","doc_count":50},{"key":"IL","doc_count":46},{"key":"OH","doc_count":44},{"key":"AZ","doc_count":39},{"key":"MD","doc_count":38},{"key":"WA","doc_count":38},{"key":"NJ","doc_count":34},{"key":"MI","doc_count":33},{"key":"CO","doc_count":32},{"key":"MA","doc_count":32},{"key":"NC","doc_count":32},{"key":"NV","doc_count":26},{"key":"SC","doc_count":24},{"key":"OR","doc_count":23},{"key":"TN","doc_count":22},{"key":"KY","doc_count":21},{"key":"MN","doc_count":19},{"key":"MO","doc_count":15},{"key":"MS","doc_count":15},{"key":"OK","doc_count":12},{"key":"UT","doc_count":12},{"key":"WI","doc_count":12},{"key":"IN","doc_count":11},{"key":"AR","doc_count":10},{"key":"CT","doc_count":10},{"key":"ID","doc_count":9},{"key":"NM","doc_count":9},{"key":"AL","doc_count":8},{"key":"LA","doc_count":8},{"key":"HI","doc_count":7},{"key":"DE","doc_count":6},{"key":"IA","doc_count":6},{"key":"KS","doc_count":6},{"key":"ME","doc_count":6},{"key":"DC","doc_count":5},{"key":"WV","doc_count":5},{"key":"NE","doc_count":4},{"key":"AK","doc_count":3},{"key":"NH","doc_count":3},{"key":"MT","doc_count":2},{"key":"RI","doc_count":2},{"key":"VT","doc_count":2},{"key":"WY","doc_count":2},{"key":"PR","doc_count":1}]}},"company_public_response":{"doc_count":1417,"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":596},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":82},{"key":"Company believes complaint is the result of an isolated error","doc_count":6},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":6},{"key":"Company chooses not to provide a public response","doc_count":6},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":3},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":2},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":2},{"key":"Company disputes the facts presented in the complaint","doc_count":2}]}},"tags":{"doc_count":1417,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":175},{"key":"Older American","doc_count":116},{"key":"Older American, Servicemember","doc_count":27}]}}},"_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":[17.268942,"3426028"],"3":[16.159323,"3046788"],"4":[15.534752,"3103180"],"5":[14.933411,"5002022"],"6":[14.4482765,"5622911"],"7":[14.186658,"7957796"],"8":[13.893943,"9835063"]}}}