{"took":424,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":107,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3318619","_score":21.002087,"_source":{"product":"Debt collection","complaint_what_happened":"I am currently involved in a state mandated medical malpractice mediation for lawsuit against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI. They disputed bills involved in the lawsuit to multiple collection agencies XXXX. I PAID the bills to save my credit and filed a claim here. The matter was said to be resolved, now XXXX XXXX is fraudulently resubmitting paid medical debt, again, to various companies. LJ Ross sent me more than one collections letter on XXXX. I responded with a validation of debt letter and validation of collections, collector, names, etc. on XXXX. Within my 30day right to respond, witch I did through certified mail, LJ Ross reported the fraudulent debt in the middle of a Malpractice Lawsuit to the credit agencies ruining my credit and violating my rights. That a is civil and criminal violation of rights. I demand this be removed from my credit immediately and reprimands be made to compensate for this injustice. \nAlso, I have ALL evidence of lawsuit, former CFPB complaints, emails from lawyers, RECEIPTS, letters, etc.","date_sent_to_company":"2019-07-25T22:03:42.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"541XX","tags":null,"has_narrative":true,"complaint_id":"3318619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LJ Ross Associates","date_received":"2019-07-25T21:44:46.000Z","state":"WI","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I am <em>currently</em> involved in a state mandated medical malpractice mediation for <em>lawsuit</em> <em>against</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, WI. They disputed bills involved in the <em>lawsuit</em> to multiple collection agencies <em>XXXX</em>. I PAID the bills to save my credit and <em>filed</em> a claim here. The matter was said to be resolved, now <em>XXXX</em> <em>XXXX</em> is fraudulently resubmitting paid medical debt, again, to various companies. LJ Ross sent me more than one collections letter on <em>XXXX</em>."]},"sort":[21.002087,"3318619"]},{"_index":"complaint-public-v1","_id":"4476876","_score":20.926582,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX said I owed a debt that was not my debt. I contacted them to let them know it was not my debt. This was in XXXX. They filed a lawsuit against me and I showed up in court. They did not show up, so the judge said to reschedule the court date. I did not receive notice of another court date. I did not receive any other correspondence from XXXX XXXX or from the court system. \nMy employer received a letter from Lloyd and McDaniel in reference to XXXX XXXX with information to garnish my wages. I did not receive any information from XXXX XXXX or from Lloyd and McDaniel about this. The letter to my employer had the correct address, but the employer 's name was incorrect. It had a former employer of mine listed instead of my current employer. In the letter to my former employer ( that was sent to my current employer ), it had where there was a court case filed against me on XX/XX/XXXX. I had no knowledge of this at all. I was not served papers, I received nothing in the mail, and I received absolutely no notification of this action taken against me. I was not aware anything was filed in XXXX until I received a copy of the information Lloyd and McDaniel sent my employer on XX/XX/XXXX. \nThe initial debt was not even my debt and I am still dealing with this 4 years later. Correspondence with the companies has been terrible. \nI have recently separated from my husband and I am in the process of getting a divorce. I went from a two income family to being a single parent of two children. Both children are beginning college in the fall. If XXXX XXXXLloyd and McDaniel garnish my wages, this will cause undue hardship on me. I do not have the ability to pay this debt, and it is not even my debt. XXXX XXXX and Lloyd & McDaniel have not followed the laws in that they have not had clear communication with me. They have gone behind my back and filed a lawsuit that I knew nothing about for 4 years. I would also like to know if the statute of limitations can go into effect with my case.","date_sent_to_company":"2021-06-21T14:40:18.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"718XX","tags":null,"has_narrative":true,"complaint_id":"4476876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lloyd & McDaniel, PLC","date_received":"2021-06-21T14:12:29.000Z","state":"AR","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["In the letter to my <em>former</em> employer ( that was sent to my <em>current</em> employer ), it had where there was a court case <em>filed</em> <em>against</em> me on XX/XX/<em>XXXX</em>. I had no knowledge of this at all. I was not served papers, I received nothing in the mail, and I received absolutely no notification of this action taken <em>against</em> me. I was not aware anything was <em>filed</em> in <em>XXXX</em> until I received a copy of the information Lloyd and McDaniel sent my employer on XX/XX/<em>XXXX</em>."],"sub_issue":["Sued you without properly notifying you of <em>lawsuit</em>"]},"sort":[20.926582,"4476876"]},{"_index":"complaint-public-v1","_id":"4478849","_score":20.907593,"_source":{"product":"Debt collection","complaint_what_happened":"Midland Funding said I owed a debt that was not my debt. I contacted them to let them know it was not my debt. This was in XXXX. They filed a lawsuit against me and I showed up in court. They did not show up, so the judge said to reschedule the court date. I did not receive notice of another court date. I did not receive any other correspondence from Midland Funding or from the court system. \nMy employer received a letter from XXXX XXXX XXXX in reference to Midland Funding with information to garnish my wages. I did not receive any information from Midland Funding or from XXXX XXXX XXXX about this. The letter to my employer had the correct address, but the employer 's name was incorrect. It had a former employer of mine listed instead of my current employer. In the letter to my former employer ( that was sent to my current employer ), it had where there was a court case filed against me on XX/XX/XXXX. I had no knowledge of this at all. I was not served papers, I received nothing in the mail, and I received absolutely no notification of this action taken against me. I was not aware anything was filed in XXXX until I received a copy of the information XXXX XXXX XXXX sent my employer on XX/XX/XXXX. \nThe initial debt was not even my debt and I am still dealing with this 4 years later. Correspondence with the companies has been terrible. \nI have recently separated from my husband and I am in the process of getting a divorce. I went from a two income family to being a single parent of XXXX children. Both children are beginning college in the fall. If Midland Funding/XXXX XXXX XXXX garnish my wages, this will cause undue hardship on me. I do not have the ability to pay this debt, and it is not even my debt. Midland Funding and XXXX XXXX XXXX have not followed the laws in that they have not had clear communication with me. They have gone behind my back and filed a lawsuit that I knew nothing about for 4 years. I would also like to know if the statute of limitations can go into effect with my case.","date_sent_to_company":"2021-06-21T14:40:40.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"718XX","tags":null,"has_narrative":true,"complaint_id":"4478849","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2021-06-21T14:40:36.000Z","state":"AR","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["It had a <em>former</em> employer of mine listed instead of my <em>current</em> employer. In the letter to my <em>former</em> employer ( that was sent to my <em>current</em> employer ), it had where there was a court case <em>filed</em> <em>against</em> me on XX/XX/<em>XXXX</em>. I had no knowledge of this at all. I was not served papers, I received nothing in the mail, and I received absolutely no notification of this action taken <em>against</em> me."],"sub_issue":["Sued you without properly notifying you of <em>lawsuit</em>"]},"sort":[20.907593,"4478849"]},{"_index":"complaint-public-v1","_id":"16053851","_score":20.892273,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, We are submitting this letter to formally file a complaint against our former landlord, XXXX XXXX XXXXXXXX XXXX XXXX We currently have XXXX ongoing claims and lawsuits against this landlord : XXXX Damage Claim : On XX/XX/year>, a tree from the XXXX XXXX XXXX XXXX on our car, causing significant damage. Despite our repeated requests for compensation, XXXX XXXX has refused to cover the repair costs. As a result, we have filed a lawsuit, which is still active. \n\nXXXXRetaliation and Credit Damage Claim : In apparent retaliation for our initial legal action, XXXX XXXX XXXX XXXX inaccurate bill to a collection agency, negatively impacting our previously excellent XXXX XXXX. We are pursuing a second lawsuit to request the court 's intervention in correcting this wrongful and retaliatory action. \n\nWe have attached supporting documents for your review, including : Evidence showing that the collection agency bill is incorrect and that we do not owe any outstanding amount. \nDocumentation related to the damage caused to our car by XXXX XXXX tree. \nThank you for taking the time to review our case. \n\nSincerely,","date_sent_to_company":"2025-09-19T17:49:26.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"22315","tags":null,"has_narrative":true,"complaint_id":"16053851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2025-09-19T17:22:50.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Subject : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, VA <em>XXXX</em> Dear Sir/Madam, We are submitting this letter to formally <em>file</em> a complaint <em>against</em> our <em>former</em> landlord, <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> We <em>currently</em> have <em>XXXX</em> ongoing claims and <em>lawsuits</em> <em>against</em> this landlord : <em>XXXX</em> Damage Claim : On XX/XX/year>, a tree from the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> on our car, causing significant damage. Despite our repeated requests for compensation, <em>XXXX</em> <em>XXXX</em> has refused to cover the repair costs."]},"sort":[20.892273,"16053851"]},{"_index":"complaint-public-v1","_id":"3886858","_score":19.990368,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After several attempts, XXXX and XXXX will not remove a collection item from my credit report, causing a significant negative impact on my credit score. The issue is not a collection issue. It is a contract dispute between me and my former landlord. The dispute relates to the landlord 's failure to mitigate losses due to early termination of my lease and improperly using the security deposit to offset rent that is in dispute. \n\nBecause XXXX  and XXXX  have refused to remove this item from my credit report, I have been forced to file a lawsuit against the creditor ( XXXX XXXX XXXX ) which I attach and I am also attaching the latest investigation result from XXXX  which has all the relevant details. \n\nXXXX  and XXXX  must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is currently in litigation. \n\nIn addition, I have tried to resolve the dispute with the collections agency, Collections Bureau Inc. After several attempts, they also refused to accept that this issue is not a collections issue but a contract dispute. I had to pay the outstanding amount to limit the damage to my credit and then subsequently file a lawsuit against the creditor XXXX XXXX XXXX XXXX XXXX to obtain my money back and hopefully also to remove this line item from my credit report. \n\nAmount at issue is {$860.00}. The initial dispute arose in XX/XX/XXXX. The latest update from XXXX  was received on XXXX XXXX, XXXX. Lawsuit was Filed on XX/XX/XXXX in order to show that this is a contract dispute in active litigation and not a collection issue.","date_sent_to_company":"2020-10-13T13:58:37.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94114","tags":null,"has_narrative":true,"complaint_id":"3886858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"COLLECTION BUREAU INCORPORATED","date_received":"2020-10-07T22:45:34.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Because <em>XXXX</em>  and <em>XXXX</em>  have refused to remove this item from my credit report, I have been forced to <em>file</em> a <em>lawsuit</em> <em>against</em> the creditor ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) which I attach and I am also attaching the latest investigation result from <em>XXXX</em>  which has all the relevant details. \n\n<em>XXXX</em>  and <em>XXXX</em>  must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is <em>currently</em> in litigation."]},"sort":[19.990368,"3886858"]},{"_index":"complaint-public-v1","_id":"3886889","_score":19.953236,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After several attempts, XXXX and Transunion will not remove a collection item from my credit report, causing a significant negative impact on my credit score. The issue is not a collection issue. It is a contract dispute between me and my former landlord. The dispute relates to the landlord 's failure to mitigate losses due to early termination of my lease and improperly using the security deposit to offset rent that is in dispute. \n\nBecause XXXX and Transunion have refused to remove this item from my credit report, I have been forced to file a lawsuit against the creditor ( XXXX XXXX XXXX ) which I attach and I am also attaching the latest investigation result from XXXX which has all the relevant details. \n\nXXXX and Transunion must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is currently in litigation. \n\nIn addition, I have tried to resolve the dispute with the collections agency, XXXX XXXX XXXX After several attempts, they also refused to accept that this issue is not a collections issue but a contract dispute. I had to pay the outstanding amount to limit the damage to my credit and then subsequently file a lawsuit against the creditor ( XXXX XXXX XXXX ) to obtain my money back and hopefully also to remove this line item from my credit report. \n\nAmount at issue is {$860.00}. The initial dispute arose in XX/XX/XXXX. The latest update from XXXX was received on XXXX XXXX, XXXX. Lawsuit was Filed on XX/XX/XXXX in order to show that this is a contract dispute in active litigation and not a collection issue.","date_sent_to_company":"2020-10-07T22:45:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94114","tags":null,"has_narrative":true,"complaint_id":"3886889","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-10-07T22:45:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Because <em>XXXX</em> and Transunion have refused to remove this item from my credit report, I have been forced to <em>file</em> a <em>lawsuit</em> <em>against</em> the creditor ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) which I attach and I am also attaching the latest investigation result from <em>XXXX</em> which has all the relevant details. \n\n<em>XXXX</em> and Transunion must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is <em>currently</em> in litigation."]},"sort":[19.953236,"3886889"]},{"_index":"complaint-public-v1","_id":"3886888","_score":19.947227,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After several attempts, Equifax and XXXX  will not remove a collection item from my credit report, causing a significant negative impact on my credit score. The issue is not a collection issue. It is a contract dispute between me and my former landlord. The dispute relates to the landlord 's failure to mitigate losses due to early termination of my lease and improperly using the security deposit to offset rent that is in dispute. \n\nBecause Equifax and XXXX  have refused to remove this item from my credit report, I have been forced to file a lawsuit against the creditor ( XXXX XXXX XXXX ) which I attach and I am also attaching the latest investigation result from Equifax which has all the relevant details. \n\nEquifax and XXXX  must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is currently in litigation. \n\nIn addition, I have tried to resolve the dispute with the collections agency, XXXX XXXX XXXX After several attempts, they also refused to accept that this issue is not a collections issue but a contract dispute. I had to pay the outstanding amount to limit the damage to my credit and then subsequently file a lawsuit against the creditor ( XXXX XXXX XXXX ) to obtain my money back and hopefully also to remove this line item from my credit report. \n\nAmount at issue is {$860.00}. The initial dispute arose in XX/XX/XXXX. The latest update from Equifax was received on XXXX XXXX, XXXX. Lawsuit was Filed on XX/XX/XXXX in order to show that this is a contract dispute in active litigation and not a collection issue.","date_sent_to_company":"2020-10-07T22:45:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94114","tags":null,"has_narrative":true,"complaint_id":"3886888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-10-07T22:07:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Because Equifax and <em>XXXX</em>  have refused to remove this item from my credit report, I have been forced to <em>file</em> a <em>lawsuit</em> <em>against</em> the creditor ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) which I attach and I am also attaching the latest investigation result from Equifax which has all the relevant details. \n\nEquifax and <em>XXXX</em>  must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is <em>currently</em> in litigation."]},"sort":[19.947227,"3886888"]},{"_index":"complaint-public-v1","_id":"3509126","_score":19.839159,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax is reporting the following addresses in errors. I have offered to show equifax my tax contract bill for my home ownership of XXXX XXXX XXXX XXXX as of XX/XX/XXXX and they ave refused and correct the errors. The current address is correct accept for it should show XX/XX/XXXX not XX/XX/XXXX I have had to file a identity theft reports due to protect myself address against fraud of which it happened again with them due to their two security breaches at equifax of which i was a victim and they never sent me the claim forms for the expenses i incurred. The Fraud also happened in another state of which i have documents to show where i was violated on my addresses with equifax in the state of Minnesota. \n\nEquifax has my former address of which i never lived there in XX/XX/XXXX, The information is conflicting and fraudulent so when i apply for credit it makes me appear to be unstable. This information should be deleted immediately because i challenge equifax to show me a lease or mortgage from either address so that i can have XXXX XXXX attorneys to investigate for a lawsuit of either address being in my name of XX/XX/XXXX.Below it shows two conflicting years. The former address and years needs to be deleted immediately XXXX XXXX XXXX, XXXX Ohio XXXX Reported XX/XX/XXXX XXXX XXXX XXXX, XXXX Ohio XXXX Reported XX/XX/XXXX This information is deceptive in equifax and needs to be deleted as former how can I live at three different addresses all in XX/XX/XXXX including the current. I dont under that i have a fraud alert with my current phone number and they did not even contact me about my address as a fraud alert victim.","date_sent_to_company":"2020-01-25T19:46:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"3509126","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-01-25T18:24:33.000Z","state":"OH","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["The <em>former</em> address and years needs to be deleted immediately <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> Ohio <em>XXXX</em> Reported XX/XX/<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> Ohio <em>XXXX</em> Reported XX/XX/<em>XXXX</em> This information is deceptive in equifax and needs to be deleted as <em>former</em> how can I live at three different addresses all in XX/XX/<em>XXXX</em> including the <em>current</em>. I dont under that i have a fraud alert with my <em>current</em> phone number and they did not even contact me about my address as a fraud alert victim."]},"sort":[19.839159,"3509126"]},{"_index":"complaint-public-v1","_id":"12097828","_score":19.396328,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Complaint Against Calvary Portfolio Services for Illegal Debt Collection, Harassment, and Attempted Fraud Debt Collector : Company Name : Calvary Portfolio Services Description of the Issue : I am filing a complaint against Calvary Portfolio Services for : 1. Attempting to collect on a debt that was already settled and paid in XXXX, with a balance cleared in XXXX. \n2. Harassing my former employer by repeatedly visiting my old workplace, despite being told I no longer work there.\n\n3. Filing a lawsuit against me for alleged court fees related to the already-settled debt but deliberately sending all legal paperwork to my old address, despite knowing my correct address.\n\nDetails of the Violation : I settled my debt with Calvary Portfolio Services in XXXX, and the balance was cleared in XXXX. I have receipts proving payment. \nDespite this, they took the case to court and are attempting to charge me court fees without proper notification. \nInstead of serving court papers to my current address in XXXX, which they were aware of, they deliberately sent paperwork to an old address, resulting in a default judgment against me. \nThey have also been harassing my former workplace, showing up multiple times per month, demanding to know where I work and disclosing details of my supposed debt. \nTheir actions violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including : Attempting to collect a debt not owed ( 15 U.S.C. 1692e ( 2 ) ) Misrepresentation of the amount or legal status of a debt.\n\nHarassment ( 15 U.S.C. 1692d ) Repeated, unwanted contact with my former employer.\n\nUnauthorized third-party disclosure ( 15 U.S.C. 1692c ( b ) ) Discussing my debt with individuals who are not authorized.\n\nFailure to provide proper legal notice Sending court documents to an incorrect address despite knowing my correct one.","date_sent_to_company":"2025-02-22T02:46:17.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Credit card debt","zip_code":"989XX","tags":null,"has_narrative":true,"complaint_id":"12097828","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAVALRY INVESTMENTS, LLC","date_received":"2025-02-16T20:15:35.000Z","state":"WA","company_public_response":null,"sub_issue":"Contacted your employer"},"highlight":{"complaint_what_happened":["Harassing my <em>former</em> employer by repeatedly visiting my old workplace, despite being told I no longer work there.\n\n3. <em>Filing</em> a <em>lawsuit</em> <em>against</em> me for alleged court fees related to the already-settled debt but deliberately sending all legal paperwork to my old address, despite knowing my correct address.\n\nDetails of the Violation : I settled my debt with Calvary Portfolio Services in <em>XXXX</em>, and the balance was cleared in <em>XXXX</em>. I have receipts proving payment."]},"sort":[19.396328,"12097828"]},{"_index":"complaint-public-v1","_id":"1413587","_score":18.31477,"_source":{"product":"Mortgage","complaint_what_happened":"I filed a application with the former manager at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Communities for a simple mobile home loan. My daughter and I receive monthly Social Security XXXX Income for multiple XXXX conditions we have. I put a down payment for {$4200.00} dollars for the mobile home and was approved on XXXX XXXX, 2014. The former manager XXXX XXXX, put my daughter and I in a rental home and said it would take a couple weeks to get our home ready. She told me that she did it for people who were approved for a home loan. I decided to move everything in a storage unit so I did n't have to move everything XXXX. Two weeks later I found out that she was no longer working here. In XX/XX/XXXX I met the new manager XXXX XXXX and found out that my money was stolen that the police were able to get back. She also stole from other residents and the company. The company knew she was a XXXX when they hired her. XXXX the second manager tried to help get me and my daughter in our home but quit XX/XX/XXXX. The gas appliances were changed out to electric without asking my permission to do so along with other issues that has happened. There is a XXXX manager here now and things have gotten worse. My daughter and I are still living in the rental home that we were put in almost a year ago. Now they are trying to evict us. I went to court this morning with the attorney that is representing current and former residents that have filed a lawsuit against XXXX, XXXX for same issues. There attorney for XXXX, XXXX called my lawyer last night and dropped the eviction against me. I want my money back and start living a normal life again and forget this bad nightmare that I have been through the past year. Theses crooks use their money to destroy other peoples lifes and need to be stopped and put out of business. I do n't know where I go from here but I refuse to give up.","date_sent_to_company":"2015-06-12T13:32:00.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional fixed mortgage","zip_code":"40272","tags":null,"has_narrative":true,"complaint_id":"1413587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"21ST MORTGAGE CORP.","date_received":"2015-06-09T18:13:36.000Z","state":"KY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["There is a <em>XXXX</em> manager here now and things have gotten worse. My daughter and I are still living in the rental home that we were put in almost a year ago. Now they are trying to evict us. I went to court this morning with the attorney that is representing <em>current</em> and <em>former</em> residents that have <em>filed</em> a <em>lawsuit</em> <em>against</em> <em>XXXX</em>, <em>XXXX</em> for same issues. There attorney for <em>XXXX</em>, <em>XXXX</em> called my lawyer last night and dropped the eviction <em>against</em> me."]},"sort":[18.31477,"1413587"]},{"_index":"complaint-public-v1","_id":"1996285","_score":17.476019,"_source":{"product":"Debt collection","complaint_what_happened":"I have never had an account with this company and filed a dispute with all credit agencies requesting it be removed. A Cease and Desist Letter was sent on XXXX/XXXX/XXXX as it appears to be a former account but is well over the principle amount owed. \n\nMy credit reports note the debt is disputed and I have not been informed of the terms associated with this debt. \n\nOn XXXX/XXXX/XXXX, The Consumer Financial Protection Bureau issued an enforcement order against Encore Capital Group , Inc. headquartered in XXXX XXXX, Calif. And its subsidiaries, Midland Funding LLC , Midland Credit Management , and Asset Acceptance Capital Corp.The XXXX can be found at the following link : : XXXX In XX/XX/XXXX, I had been cleared for bankruptcy after employment loss and medical issues and due to possible identity theft and issues with my bank account, I was forced to delay filing. \n\nI informed all of creditors of my employment loss and that I was not refusing to pay any valid debts. I regret not being able to pay the original creditor and settled with those in which I was financially able to pay. I have reconsidered filing for Chapter XXXX and will file within the next 6 months. \n\nI have consulted an attorney concerning a possible lawsuit in this case given bogus debt collectors and unwarranted fees I never owed are the reason for my current financial situation and I find it especially distasteful to hit people when they are most vulnerable.","date_sent_to_company":"2016-07-02T14:02:25.000Z","issue":"False statements or representation","sub_product":"Credit card","zip_code":"29169","tags":null,"has_narrative":true,"complaint_id":"1996285","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2016-07-02T14:02:24.000Z","state":"SC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I have reconsidered <em>filing</em> for Chapter <em>XXXX</em> and will <em>file</em> within the next 6 months. \n\nI have consulted an attorney concerning a possible <em>lawsuit</em> in this case given bogus debt collectors and unwarranted fees I never owed are the reason for my <em>current</em> financial situation and I find it especially distasteful to hit people when they are most vulnerable."]},"sort":[17.476019,"1996285"]},{"_index":"complaint-public-v1","_id":"6430079","_score":17.081224,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX  {$500.00} XX/XX/22 XXXX {$500.00} XX/XX/22 XXXX {$500.00} XX/XX/22 I noticed three very large charges on my XXXX XXXX XXXX XXXX Upgrade Checking Account that I didnt make. As a former and current victim of identity theft I obviously became very alarmed. I notified Upgrade and went through the dispute process. I was informed the money for the large charges would be back in my account within 10 days. I let XXXX XXXX XXXX know that Id been a victim of identity theft recently with someone attempting to file a federal income return in my name, as well as apply for a boat and numerous payday loans, and credit cards. Also, my credit monitoring emailed and let me know my information had recently been comprised on the dark web. \n\nI tried to get in touch with this XXXX. And the only one I could find was one that didnt have a phone number and had many class-action lawsuits filed against them. \n\nI finally received a letter from XXXX XXXXXXXX XXXX saying my dispute was denied. I was shocked and very upset. I called and they said the reason was whoever made the charge had some of my personal information. I again explained my identity theft situation but it fell on deaf ears. They were very cold and unhelpful.","date_sent_to_company":"2023-01-13T01:20:15.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78130","tags":null,"has_narrative":true,"complaint_id":"6430079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2023-01-13T01:05:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I let <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> know that Id been a victim of identity theft recently with someone attempting to <em>file</em> a federal income return in my name, as well as apply for a boat and numerous payday loans, and credit cards. Also, my credit monitoring emailed and let me know my information had recently been comprised on the dark web. \n\nI tried to get in touch with this <em>XXXX</em>. And the only one I could find was one that didnt have a phone number and had many class-action <em>lawsuits</em> <em>filed</em> <em>against</em> them."]},"sort":[17.081224,"6430079"]},{"_index":"complaint-public-v1","_id":"16064734","_score":15.927269,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing to address the misrepresentations made by junior attorney XXXX XXXX, JUNIOR inexperienced attorney regarding my filed cases and the wrongful foreclosure process taking place that we need resolved immediately. Specifically, she claims that my cases represent inconsistent personal identifying numbers, which is incorrect. \n\nIt appears that this company is attempting to sabotage my chances of a loan modification by stalling the review process. This delay seems to be timed to benefit their interests in an upcoming proposed sale date. \n\nI would like to provide clarification on the cases in question : - Case XXXX : Dismissed in XXXX, over 13 years ago, with a Chapter XXXX. \n- Case XXXX : XXXX XXXX XXXX, a Chapter XXXX case for an LLC that held a single home. The property was sold, and the bank received a payoff. This case was unrelated to the current matter and was solely for an investment property. \n- Case XXXX : A Chapter XXXX case for a large investment home/business in North Carolina XXXX The case was successfully dismissed, and the property was saved. \n\nRegarding the subject of XXXX XXXX XXXX XXXX CA XXXX there is only XXXX voluntary case that I filed, since the current filing. The other case is an involuntary one filed by a creditor, over which I have no control. \n\nI requested that the judge review this matter and XXXX the stay, as the wrongful dismissal of this case is based on misrepresentations. XXXX XXXX wrote a bunch of fluff garbage legal jargon that didnt make any sense at all and she apparently cant read facts. Additionally, I would like to know if I can file in federal court against this attorney personally and this firm its employees if they continue with these practices, given the alleged bad faith actions of XXXX XXXX, which appear to violate TILA and RESPA. \n\nXXXX XXXX XXXX has been involved in several lawsuits as a defendant. Here are some examples : - * XXXX vs. XXXX XXXX * : A contract-debt collection lawsuit was filed against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida on XX/XX/XXXX. \n- * XXXX XXXX vs. XXXX XXXX XXXX * : A lawsuit was filed against XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, categorized as \" Other - Other Judgment ''. \n- * XXXX vs. Prestige Default Services * : A case was filed in the California XXXX XXXX XXXX on XX/XX/XXXX, involving foreclosure. \n- * XXXX XXXX XXXX vs. XXXX et al * - * XXXX vs. Prestige Default Services * : An appeal was dismissed on XX/XX/XXXX, involving XXXX XXXX XXXX as XXXX of the parties. \n- * XXXX XXXX XXXX vs. XXXX XXXX * : This case, filed on XX/XX/XXXX, is another instance where XXXX XXXX is a defendant in a contract-debt collection lawsuit. \n\nThese cases indicate that XXXX XXXX XXXX has faced various legal challenges, primarily related to its services in foreclosure, bankruptcy, and debt collection. The firm represents secured lenders, loan servicers, and foreclosure trustees in real estate matters, including loss mitigation solutions. I am not the only one with issue with this. Sn servicing the company they are representing isnt clean either. \n\nXXXX XXXX XXXX has been involved in several lawsuits as a defendant. Here are some examples : - * XXXX XXXX XXXX * : XXXX XXXX XXXX agreed to pay {$900000.00} to resolve claims that its lack of cybersecurity measures resulted in a XXXX data breach. The settlement benefits individuals whose personal information was accessed by unknown third parties during the breach. Class members can receive payments of {$75.00} for Social Security number compromise and {$25.00} for personal information compromise. \n\n- * XXXX XXXX XXXX XXXX XXXX * : A class action lawsuit was filed against XXXX XXXX XXXX in the XXXX XXXX XXXX for the XXXX XXXX XXXX California, alleging claims arising from a data breach incident in late XXXX. The court denied in part and granted in part XXXX XXXX 's motion to dismiss, with leave to amend. \n\nSome individuals have also shared their negative experiences with XXXX XXXX XXXX, citing issues such as : - * Mismanagement of Payments * : Customers have reported errors in payment processing, incorrect billing, and difficulties in resolving these issues. \n- * XXXX Issues * : Some customers have experienced accounting discrepancies, including incorrect charges and difficulties in obtaining payoff information. \n- * Foreclosure and XXXX * : XXXX XXXX XXXX has been involved in foreclosure and eviction proceedings, with some customers alleging unfair treatment. \n\nLook at this information on their owner XXXX XXXX has been involved in several lawsuits, primarily related to his business dealings and real estate ventures. Here are some notable examples : - * XXXX XXXX vs. XXXX XXXX * : XXXX was sued by his former vice president, XXXX XXXX, for failing to pay a {$2.00} XXXX promissory note. The case has been ongoing for nearly a decade, with XXXX 's lawyers arguing that the company is not liable for the payment. \n- * Citizens for a Better XXXX vs. XXXX of XXXX * : XXXX group Citizens for XXXX XXXX XXXX has XXXX multiple lawsuits against the City of XXXX, XXXX to block affordable housing developments on underutilized downtown parking lots. The group argues that the city failed to comply with the California XXXX XXXX XXXX ( XXXX ). \n- * XXXX XXXX 's Request for Dismissal * : The XXXX XXXX has asked a judge to dismiss XXXX of the lawsuits filed by XXXX for XXXX XXXX XXXX, arguing that the tribe is an indispensable party to the case and has sovereign immunity. \n- * XXXX XXXX XXXX XXXX * : XXXX XXXX XXXX has been subpoenaed by the XXXX XXXX XXXX as part of an investigation into Supreme Court ethics scandals. XXXX has provided luxury travel to Supreme Court justices, including XXXX XXXX and XXXX XXXX, which has raised concerns about potential conflicts of interest. \n\nThese lawsuits demonstrate the complex and often contentious nature of XXXX 's business dealings and real estate ventures. This is who they are representing.","date_sent_to_company":"2025-09-19T03:47:48.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"91401","tags":null,"has_narrative":true,"complaint_id":"16064734","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ghidotti | Berger LLP","date_received":"2025-09-19T03:25:30.000Z","state":"CA","company_public_response":null,"sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["Additionally, I would like to know if I can <em>file</em> in federal court <em>against</em> this attorney personally and this firm its employees if they continue with these practices, given the alleged bad faith actions of <em>XXXX</em> <em>XXXX</em>, which appear to violate TILA and RESPA. \n\n<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> has been involved in several <em>lawsuits</em> as a defendant. Here are some examples : - * <em>XXXX</em> vs. <em>XXXX</em> <em>XXXX</em> * : A contract-debt collection <em>lawsuit</em> was <em>filed</em> <em>against</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Florida on XX/XX/<em>XXXX</em>."]},"sort":[15.927269,"16064734"]},{"_index":"complaint-public-v1","_id":"2812690","_score":15.835077,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Hello, I have been harassed for multiple years due to a previous XXXX XXXX XXXX Credit Card account via XXXX XXXX, closed in XXXX. I have submitted multiple BBB complaints, as collections agencies stating they are working on behalf of XXXX XXXX XXXX  have harassed not only myself but many others regarding this issue. \n\n- XX/XX/XXXX: Paid remaining balance on card. Paperwork discarded after 7 years ( XX/XX/XXXX) - XX/XX/XXXX: Account recorded as closed ( according to recent calls ). In XXXX, I was told the account was marked as closed in XXXX. ( Since I discarded all records, I personally can not confirm this information. ) - XX/XX/XXXX : Began receiving collections calls. Settled debt due to no record of payoff. Kept record of settlement. Collection agencies harassed myself, my sister, a former college roommate, my ex-husband, and my ex-husband 's first wife. Possibly others that I do not know about. \n- XX/XX/XXXX : Harassing calls continued to myself and others mentioned previously ; complaint filed with BBB, FDIC, and CFPB ( Case number XXXX ) - XX/XX/XXXX : Harassing calls to myself began again from multiple collections agencies. \n\nI am currently on long-term XXXX due to XXXX. The additional stress of receiving harassing calls is impacting my mental health. I will be forced to file a lawsuit against Victoria 's Secret and XXXX XXXX if I ever receive another call regarding this matter. \n\nThank you, XXXX XXXX","date_sent_to_company":"2018-02-12T16:18:27.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"46268","tags":null,"has_narrative":true,"complaint_id":"2812690","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2018-02-12T15:51:43.000Z","state":"IN","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["- XX/XX/<em>XXXX</em> : Harassing calls continued to myself and others mentioned previously ; complaint <em>filed</em> with BBB, FDIC, and CFPB ( Case number <em>XXXX</em> ) - XX/XX/<em>XXXX</em> : Harassing calls to myself began again from multiple collections agencies. \n\nI am <em>currently</em> on long-term <em>XXXX</em> due to <em>XXXX</em>. The additional stress of receiving harassing calls is impacting my mental health. I will be forced to <em>file</em> a <em>lawsuit</em> <em>against</em> Victoria 's Secret and <em>XXXX</em> <em>XXXX</em> if I ever receive another call regarding this matter."]},"sort":[15.835077,"2812690"]},{"_index":"complaint-public-v1","_id":"4653432","_score":15.739915,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I found that Statebridge Company reported a discharged debt as late on my credit report ( post discharge ). \n\nA discharged debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those discharged creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report. Civil action could be filed for the violation of the BK laws. \n\nTo boot Statebridge Company refused to take my payments and refused to communicate with not one, but two law firms. I have a recorded call on XXXX XXXX ( provided to my attorney ) and attempted contact logs from two law firms reflecting Statebridge Companies refusal to communicate and or take payment. Ironically the payments that were reported as late were XXXX, XXXX, XXXX and XXXX of XXXX ( after my payment/s were refused and a complete lack of response/communication from Statebridge Company to either myself or my attorneys ). \n\nI did call XX/XX/XXXX @ XXXX requesting this concern be resolved. I was told XXXX XXXX or management would be returning my call the following day, I received no return call ( in typical fashion ). I can provide the recorded call if you would like. \n\nI'm assuming Statebridge Company would prefer not to deal with my attorney once again as my loan was PROMPTLY sold after Statebridge Company was forced to communicate and conduct business in a legal manner. \n\nXXXX XX/XX/XXXX @ XXXX I called Statebridge Company XXXX XXXX XXXX to their letter stating that they could not find my XXXX. First it is public information, second I am confidant when they purchased my loan my BK was included in the documents they received. I do not feel it is my responsibility to provide them with a copy of my BK ( which included that debit ) as they are the ones who broke the law by reporting the discharged debit as late. I will re file the complaint and include for the CFPB a copy of my discharge. \n\n*** During my attempt to resolve this illegal reporting I contacted several employees of Statebridge Company LLC via email. Ironically one former employee responded and suggested I file a complaint with the CFPB, and let me know Statebridge Company LLC is currently under investigation.","date_sent_to_company":"2021-09-10T17:00:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85212","tags":null,"has_narrative":true,"complaint_id":"4653432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Statebridge Company","date_received":"2021-08-23T15:10:40.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I will re <em>file</em> the complaint and include for the CFPB a copy of my discharge. \n\n*** During my attempt to resolve this illegal reporting I contacted several employees of Statebridge Company LLC via email. Ironically one <em>former</em> employee responded and suggested I <em>file</em> a complaint with the CFPB, and let me know Statebridge Company LLC is <em>currently</em> under investigation."]},"sort":[15.739915,"4653432"]},{"_index":"complaint-public-v1","_id":"11227669","_score":15.726731,"_source":{"product":"Mortgage","complaint_what_happened":"Dear CFPB and CFPB Ombudsman : I am requesting a prompt review of the facts of my case that reveal the collusion between XXXXXXXX XXXX, Nationstar and their attorneys XXXX XXXX with ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX ) to conceal the XXXXXXXX XXXX and Nationstar scheme to falsely allege against me, a FAKE delinquent mortgage payment for XX/XX/XXXX to unlawfully obtain a foreclosure order and accomplish the theft of my real property while I was a loan compliant borrower. \n\nI am involved in a federal lawsuit against XXXXXXXX XXXX  and their loan servicer Nationstar in the United States XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Federal Lawsuit ) ( See XXXX XXXX XXXXXXXX ) ( XXXX ) XX/XX/XXXX live Complaint ). \n\nThe federal lawsuit is currently STAYED and INACTIVE in relevant part following XXXX XXXXNationstar attorney XXXX XXXX XXXX XXXX motion to stay the litigation. The XXXX entered a TEXT STAY ORDER on XX/XX/XXXX. \n( See XX/XX/XXXX Email from XXXXXXXX XXXX attorney XXXX XXXX to XXXX ). \n\nPrior to the entry of the STAY ORDER, I filed a Rule XXXX ( b ) Motion on XX/XX/XXXX. \n( See PACER ( XXXX ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Rule XXXX ( b ) ( XXXX ) Motion ). \n\nAmong other things, I alleged the XX/XX/XXXX DEFAULT ORDER ( Cause No. XXXX ) obtained by XXXXXXXX XXXX  is void XXXX XXXX and my evidence is undisputed that : 1 ) I was never delinquent with my loan ; 2 ) I was never served the original Rule 736 Lawsuit filed by XXXXXXXX XXXX in the state court in XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Lawsuit ) at the out of state Indiana address I provided in writing to the XXXXXXXX XXXX  loan servicer XXXX XX/XX/XXXX and XX/XX/XXXX that was two months prior to XXXXXXXX XXXX filing their XX/XX/XXXX Rule XXXX Lawsuit. Therefore, I was denied constitutional due process protections. XXXX XXXX filed a response to my Rule XXXX motion and filed no evidence XXXXXXXX XXXX served me the Rule XXXX lawsuit ; XXXX ) XXXX XXXX made a patently false XX/XX/XXXX delinquency allegation against me in their Rule XXXX Application For Foreclosure for the state court to rely on. In stark contrast, the XXXXXXXX XXXX loan servicer records at entry dated XX/XX/XXXX showed I was never delinquent with my loan or the XX/XX/XXXX loan payment ; ( See PACER ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nXXXX ) XXXXXXXX XXXX  unlawfully obtained a state court XX/XX/XXXX DEFAULT ORDER permitting foreclosure in Cause No. XXXX. Prior to foreclosure, while I was living in Indiana, they changed the locks on my property and removed my personal property ; XXXX ) XXXXXXXX XXXX unlawfully conducted a XX/XX/XXXX foreclosure sale in connection with my property commonly known as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  without mailing me notice of the foreclosure sale at my out of state Indiana address as required by the Default Order and as required pursuant to Texas XXXX XXXX XXXX ( b ). XXXXXXXX XXXX filed a response to my Rule XXXX motion and filed no evidence XXXX XXXX mailed me notice of the foreclosure sale ; XXXX ) XXXXXXXX XXXX filed multiple eviction lawsuits between XXXX and XXXX trying to evict me from my real property. ( See live Complaint ) ; XXXX ) XXXX XXXX forcible detainer attorney made patently false representations in the eviction court and falsely alleged the federal court was reviewing a bankruptcy issue I asserted against XXXXXXXX XXXX when there are no bankruptcy issues I raised as to XXXXXXXX XXXX. I filed a motion for sanctions on XX/XX/XXXX in the federal court to show the XXXX XXXX and their attorneys continuing false representation asserted against me in multiple courts to aid in the theft of my real property. \n\n( See XXXX XXXX XXXX To Lift Stay To File Motion For Inherent Court Sanctions ) ; XXXX ) XXXX XXXX attorney XXXX XXXX XXXX aided his client in concealing relevant evidence during discovery in litigations that showed XXXX XXXX never served me the Rule XXXX Lawsuit and XXXXXXXX XXXX never mailed me notice of the XX/XX/XXXX foreclosure sale to my XXXX address as required by the XXXX Default Order and the Texas XXXX XXXX XXXX ( b ). Through discovery in Cause No. XXXX, XXXX XXXX  and Nationstar responded that all their records were confidential and not subject to disclosure ; ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Nationstar XXXX XXXX XXXX XXXX No. XXXX ). \n\nXXXX ) XXXX BANK former attorney XXXX XXXX XXXX knowingly aided his client XXXXXXXX XXXX  in concealing relevant evidence during litigations that showed XXXXXXXX XXXX never served me the Rule XXXX Lawsuit and/ that XXXX XXXX never mailed me notice of the XX/XX/XXXX foreclosure sale to my XXXX XXXXXXXX as required by the XXXX Default Order and the XXXX XXXX XXXXXXXX XXXX ( b ) ; and XXXX ) XXXX XXXX former attorney XXXX XXXX XXXX aided his client XXXXXXXX XXXX in concealing relevant evidence during litigations that showed XXXX XXXX  falsely alleged a FAKE XX/XX/XXXX default in their Rule XXXX Lawsuit when the XXXXXXXX XXXX loan servicer records showed I timely remitted the XX/XX/XXXX payment. \n\nGiven the above facts, there has been a cloud on my title for over THIRTEEN YEARS that has deprived me from enjoying, developing and selling my property. By way of this complaint, I am requesting the U.S. Treasury, FTC and CFPB order XXXX XXXX and their loan servicer Nationstar to provide me the following documents to resolve this litigation dispute as follows : 4 ) Evidence of the Certified Mail certificate showing XXXXXXXX XXXX mailed me the Rule XXXX Lawsuit that they filed in the XXXX XXXX, XXXX XXXXXXXX XXXX state court in Cause No. XXXX ) at my XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX \n\n5 ) Evidence showing XXXXXXXX XXXX filed in the state court pursuant to the XXXX Texas Rules of Civil Procedure, notice that they mailed me the Rule XXXX Lawsuit at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. \n\nXXXX ) Evidence of the Certified Mail certificate showing that XXXXXXXX XXXX mailed me the Texas XXXX XXXX XXXX ( b ) notice of the XX/XX/XXXX foreclosure sale at my XXXX address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX \n\nI hope this information with documents attached will assist you in demanding a criminal investigation of this matter with the U.S. Treasury and the FTC. If you require additional information, please feel free to reach out and I will be available to assist. \n\nRespectfully Submitted, XXXX XXXX XXXX","date_sent_to_company":"2025-01-07T20:53:04.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"78212","tags":null,"has_narrative":true,"complaint_id":"11227669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2024-12-20T22:56:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Lien release"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>filed</em> a response to my Rule <em>XXXX</em> motion and <em>filed</em> no evidence XXXXXXXX <em>XXXX</em> served me the Rule <em>XXXX</em> <em>lawsuit</em> ; <em>XXXX</em> ) <em>XXXX</em> <em>XXXX</em> made a patently false XX/XX/<em>XXXX</em> delinquency allegation <em>against</em> me in their Rule <em>XXXX</em> Application For Foreclosure for the state court to rely on."]},"sort":[15.726731,"11227669"]},{"_index":"complaint-public-v1","_id":"10998954","_score":15.450698,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over a period of nine months, I have filed disputes against creditors and collection companies with Experian on the following XXXX ; report XXXX ; report XXXX ; report XX/XX/XXXX ; report # XXXX ; report # XXXX, I have forwarded dispute letters triggering account investigations on XXXX, XXXX, Experian report # XXXX ; XXXX XXXX, XXXX Experian report # XXXX, certified mail XXXX in XX/XX/XXXX ; XX/XX/XXXX report # XXXX, XX/XX/XXXX report # XXXX, and report # XXXX. Despite these disputes, Experian has conspired with creditors and collection agencies to violated the following FCRA and FDCPA statutes such as 15 USC 1681s-2 ( b ) ; 15 USC 1681i ( a ) ( 6 ) ; 15 USC 1681s-2 ( a ) ( 7 ) ; 15 USC 1681s-2 ( a ) ( 5 ). I am requesting that Experian provide me every investigation based on the disputed items in my inaccurate, misleading, or incomplete complaints. For nine months, Experian has not provided me with their findings and procedures as required by statute. Further on XXXX, Experian allowed the XXXX Police Department to use my personal identifiers to illegal open up an on line account as a Experian membership # XXXX to monitor my XXXX XXXX XXXX  account without my consent. Because of a previous lawsuit against Experian and the XXXX Police Department in XXXX, I believe my current problems with noncompliance is a result of retaliation due a federal lawsuit filed in the XXXX XXXX XXXX under cause # XXXX. Experian is a co-conspirator assisting my former employer to retaliate by having collection companies dump illegal and fraudulent debt on my credit report so I can't access the equity in my residence. I need all investigations to prove the conspiracy to delrive me of equal protection under law. I filed a police report on the car dealer representing XXXX XXXX XXXX under incident number, XXXX, on XXXX XXXX for falsifying a vehicle sales contract by putting down {$2500.00} which I never gave him. They were trying to sell a XXXX XXXX under manufacturer recall. I checked with the secretary of state and the XXXX that I initially gave XXXX XXXX went to XXXX XXXX XXXX XXXX which has no certificate to do business in the State of Texas dated XX/XX/XXXX.","date_sent_to_company":"2024-12-02T15:11:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77379","tags":"Older American","has_narrative":true,"complaint_id":"10998954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-02T13:38:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Further on <em>XXXX</em>, Experian allowed the <em>XXXX</em> Police Department to use my personal identifiers to illegal open up an on line account as a Experian membership # <em>XXXX</em> to monitor my <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  account without my consent. Because of a previous <em>lawsuit</em> <em>against</em> Experian and the <em>XXXX</em> Police Department in <em>XXXX</em>, I believe my <em>current</em> problems with noncompliance is a result of retaliation due a federal <em>lawsuit</em> <em>filed</em> in the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> under cause # <em>XXXX</em>."]},"sort":[15.450698,"10998954"]},{"_index":"complaint-public-v1","_id":"10996844","_score":15.442562,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over a period of XXXX months, I have filed disputes against creditors and collection companies with XXXX on the following XXXX ; report XXXX ; report XXXX ; report XX/XX/XXXX ; report # XXXX ; report # XXXX, I have forwarded dispute letters triggering account investigations on XXXX, XXXX, XXXX report # XXXX ; XXXX XXXX, XXXX XXXX report # XXXX, certified mail XXXX in XX/XX/XXXX ; XX/XX/XXXX report # XXXX, XX/XX/XXXX report # XXXX, and report # XXXX. Despite these disputes, XXXX has conspired with creditors and collection agencies to violated the following FCRA and FDCPA statutes such as 15 USC 1681s-2 ( b ) ; 15 USC 1681i ( a ) ( 6 ) ; 15 USC 1681s-2 ( a ) ( 7 ) ; 15 USC 1681s-2 ( a ) ( 5 ). I am requesting that XXXX provide me every investigation based on the disputed items in my inaccurate, misleading, or incomplete complaints. For XXXX months, XXXX has not provided me with their findings and procedures as required by statute. Further on XXXX, XXXX allowed the XXXX Police Department to use my personal identifiers to illegal open up an on line account as a XXXX membership # XXXX to monitor my XXXX XXXXXXXX XXXX account without my consent. Because of a previous lawsuit against XXXX and the XXXX Police Department in XXXX, I believe my current problems with noncompliance is a result of retaliation due a federal lawsuit filed in the XXXX XXXX XXXX under cause # XXXX. XXXX is a co-conspirator assisting my former employer to retaliate by having collection companies dump illegal and fraudulent debt on my credit report so I can't access the equity in my residence. I need all investigations to prove the conspiracy to delrive me of equal protection under law. I filed a police report on the car dealer representing XXXX XXXX XXXX under incident number, XXXX, on XXXX XXXX for falsifying a vehicle sales contract by putting down {$2500.00} which I never gave him. They were trying to sell a XXXX XXXX under manufacturer recall. I checked with the secretary of state and the XXXX that I initially gave XXXX XXXX went to XXXX XXXX XXXX XXXX which has no certificate to do business in the State of Texas dated XX/XX/XXXX.","date_sent_to_company":"2024-12-02T15:11:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77379","tags":"Older American","has_narrative":true,"complaint_id":"10996844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2024-12-02T15:11:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Further on <em>XXXX</em>, <em>XXXX</em> allowed the <em>XXXX</em> Police Department to use my personal identifiers to illegal open up an on line account as a <em>XXXX</em> membership # <em>XXXX</em> to monitor my <em>XXXX</em> XXXXXXXX <em>XXXX</em> account without my consent. Because of a previous <em>lawsuit</em> <em>against</em> <em>XXXX</em> and the <em>XXXX</em> Police Department in <em>XXXX</em>, I believe my <em>current</em> problems with noncompliance is a result of retaliation due a federal <em>lawsuit</em> <em>filed</em> in the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> under cause # <em>XXXX</em>."]},"sort":[15.442562,"10996844"]},{"_index":"complaint-public-v1","_id":"2160969","_score":15.208165,"_source":{"product":"Student loan","complaint_what_happened":"Dear XXXX, I am a current borrower from the Alaska XXXX XXXX XXXX, a public corporation that issues bonds for non-federal education loans. I carry close {$71000.00} on XXXX loans dispersed by the XXXX from XXXX to XXXX. The fixed interest rates on my loans are extremely high, averaging 8.5 %. I pay {$820.00} a month to the State of Alaska, and approximately {$500.00} a month last year ( 60 % of each payment ) went towards the interest. \n\nLoans by the XXXX are managed and serviced by a sister agency within the Alaska Dept. of Education, the Alaska Commission for Postsecondary Education ( ACPE ) After finding out that the XXXX had a brand-new 5.2 % loan refinance plan, I was elated, estimating this new \" Refi '' plan would drop my monthly payments by more than {$200.00}, and lower my long-term loan costs through my remaining XXXX month term by ~ {$30000.00}. \n\nAlthough I meet all the other requirements, never having defaulted, making years of full payments on time, being gainfully employed, and having good credit, I was shocked to see a line-item exclusion on this Refi plan : It says \" Alaska Residents Only. '' I called the ACPE to question this rule, and was told on the phone \" Sorry, just go go the XXXX loans refinanced by someone else. '' Despite refi interest rates far higher than the refi plan with XXXX, I submitted consolidation apps to XXXX different loan consolidators, including XXXX XXXX ( my own bank ), XXXX, and XXXX. All were rejected. \n\nHorrified, I emailed the State of Alaska 's Attorney General and the State Senate Minority Leader to appeal the legitimacy and ethics related to excluding *existing borrowers* and *former residents* who do not \" currently reside '' in Alaska from this new student debt relief plan. \n\nI brought up a number of problems relating to how the State of Alaska, as a public education loan provider, a receiver of federal funds, and a former IRS tax-exempt issuer of student loan bonds, could prohibit former residents who pay very high interest ( such as myself ) from being able to refinance their loans with the exact same provider, under nearly identical 15-year terms. I noted in my email that my XXXX loans take 30 % of my net income every month to pay. \n\nI also questioned the legality of this line-item \" current resident '' exclusion ( Alaska Statute XXXX ) from a federal standpoint. The U.S. Constitution 's Privileges and Immunities Clause, for example, prohibits exactly this type of differential exclusion as the rule directly concerns the deprivation of personal health, property, and happiness ). Moreover, this involves a \" resident '' who was eligible at the time. \n\nI brought up in my email that as a former long-term Alaska resident who fits the exact model the Refi program is trying to help, the \" current '' residency exception was discriminatory to borrowers who *were* residents at the time of loan issuance, pushing this type of eligibility outside of the boundaries of fair lending practices, especially as a public education loan provider. \n\nWithin 3 days, all the issues I petitioned in my email were categorically rejected via an emailed letter from the ACPE secretary, copied to ACPE 's Acting Executive Director and the State 's Assistant Attorney General. \n\nI am deciding whether to file a class-action lawsuit against the ACPE/ASLC ( which would go to the AK Attorney General 's office ) to appeal this residency exception as unfair, unethical, and irresponsible. \n\nI thought I 'd contact the XXXX first. Even if I was able to win a case to strike this rule down in federal and/or state court, I do n't have the time, money, or legal resources to deal with years of appeals and administrative roadblocks to State of Alaska will likely throw my way. \n\nI 'm formally requesting help from the XXXX, as this is a very serious issue for my future financial viability and is hindering my ability to live a normal life.","date_sent_to_company":"2016-10-14T21:04:16.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"27215","tags":null,"has_narrative":true,"complaint_id":"2160969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALASKA COMMISSION ON POST SECONDARY EDUCATION","date_received":"2016-10-14T21:04:15.000Z","state":"NC","company_public_response":null,"sub_issue":"Can't decrease my monthly payments"},"highlight":{"complaint_what_happened":["I am deciding whether to <em>file</em> a class-action <em>lawsuit</em> <em>against</em> the ACPE/ASLC ( which would go to the AK Attorney General 's office ) to appeal this residency exception as unfair, unethical, and irresponsible. \n\nI thought I 'd contact the <em>XXXX</em> first. Even if I was able to win a case to strike this rule down in federal and/or state court, I do n't have the time, money, or legal resources to deal with years of appeals and administrative roadblocks to State of Alaska will likely throw my way."]},"sort":[15.208165,"2160969"]},{"_index":"complaint-public-v1","_id":"10685168","_score":15.177083,"_source":{"product":"Student loan","complaint_what_happened":"I consolidated my student loans to get on track for PSLF back in XXXX of XXXX and am now a victim of Mohela 's bad management. The lawsuits filed against them directly outline my experience. My monthly payment tripled, I owe even more than before ( after paying for 15 years ). I applied for XXXX  after being told that I would automatically be re-enrolled in XXXX  and have been told that those applications are on hold \" indefinitely '' because of the court cases against them. I reapplied for IBR today, XX/XX/XXXX through the XXXX  website. \n\nOn XX/XX/XXXX I called Mohela ( after making two huge monthly payments of over {$1000.00} ) and I was put on hold and was in one of their \" doom loops '' for 43 minutes. The entire phone call took 54 minutes and XXXX could provide me with no information except that all applications were on \" hold '' due to the court cases and that I would be placed on an administrative forbearance until XX/XX/XXXX and that this would NOT affect my PSLF  application and amount of payments made over the last 15 years. Additionally, I have to call back on XX/XX/XXXX to check on the status of my XXXX  application and potentially be put in another forbearance. \n\nI called Mohela XX/XX/XXXX about my PSLF app after receiving a paper acknowledgment of my application and was told that they \" don't have it '' and I have to re do the application. I re-did the application and have emailed my former employers to gain their electronic signatures. It is pending on the FSA website. \n\nI borrowed approximately {$70000.00} from XXXX to attend graduate school. I have been repaying my loans since XXXX and I currently owe over {$140000.00}. I have been a XXXX  for almost XXXX  years.","date_sent_to_company":"2024-11-04T16:58:20.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"034XX","tags":null,"has_narrative":true,"complaint_id":"10685168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2024-11-04T16:31:28.000Z","state":"NH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["I consolidated my student loans to get on track for PSLF back in <em>XXXX</em> of <em>XXXX</em> and am now a victim of Mohela 's bad management. The <em>lawsuits</em> <em>filed</em> <em>against</em> them directly outline my experience. My monthly payment tripled, I owe even more than before ( after paying for 15 years ). I applied for <em>XXXX</em>  after being told that I would automatically be re-enrolled in <em>XXXX</em>  and have been told that those applications are on hold \" indefinitely '' because of the court cases <em>against</em> them."]},"sort":[15.177083,"10685168"]},{"_index":"complaint-public-v1","_id":"3291641","_score":15.005905,"_source":{"product":"Mortgage","complaint_what_happened":"I have been looking for a home to purchase since XX/XX/XXXX. I contacted Chase on  XX/XX/XXXX, and XXXX XXXX contacted me on XX/XX/XXXX. It has been a great deal of work to find a house that was a match for us. XXXX XXXX contacted me one via telephone and twice via email. He also send me a couple of automated marketing emails. I was trying to get qualified. He did send me a prequalification letter ; however, after that he did not contact me. I then applied online and contacted Chase Mortgage directly. I then started communicating with XXXX XXXX. He sent me an updated pre-qualification letter. Then on XX/XX/XXXX XXXX sent me an updated pre-qualification letter, approved for a loan of {$160000.00}. XXXX called me around XX/XX/XXXX indicating that I need more assets than I had! I then explained to him that my expenses against my assets were in part for my son 's expenses. I sent a copy to XXXX XXXX CEO. After this Chase was still pussyfooting around. I finally went with another lender. I had received a called/Voice Mail from Chase executive office on XX/XX/XXXX, XXXX. I called her back 3 times and then she called me back and said she was going to evaluate the situation. Escrow was already to get started, but Chase did not call me back. I called someone else. I was tired of Chase touch and go attitude. Then on XX/XX/XXXX XXXX calls me back and tells me Chase Mortgage denied my loan. I tried to go with Chase because I have 11 accounts with chase and over 12 years of history. I had already been qualified by 3 other lenders. And my credit score was XXXX at the time and have 100 % rate of making payments on time ; therefore, the only reason Chase turned me down was due to discrimination. Since ; Chase did not have a valid reason to turn me down and had told me I had been qualified ; however, out of the blue  moon, XXXX tells me I had been turned down ; when, I had not even been working with her. For sure ; I'm changing all my 11 accounts to another bank, both personal and business. Chase has dozens of website links with thousands upon thousands of complaints and several pending lawsuits and several that Chase have lost. The XXXX XXXX XXXX even sent me an application to apply for discrimination. In addition ; there is a website : XXXX, with complaints dated as early as XX/XX/XXXX. \n\" XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX XXXX pays $ XXXX to settle mortgage discrimination lawsuit https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX pays $ XXXX XXXX settle mortgage discrimination lawsuit. The U.S. said the bank overcharged \" thousands '' of XXXX, XXXX borrowers. ... \nChase & Co. alleging the bank JPMorgan Chase Settles Workplace Discrimination Suit for ... \nXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX has agreed to pay six current and former employees {$19.00} XXXX in a settlement for XXXX discrimination. The deal includes the Chase Bank Sued For Discriminating ... - we are mit https : //wearemitu.com/mitu-world/largest- bank -in-the-u-s-accused-of-discriminating ... \nXX/XX/XXXX In one of its final moves, the Obama administration hit JPMorgan Chase & Co. with a one-two punch in the form of two discrimination lawsuits : one for discriminating against XXXX and XXXX mortgage borrowers and another for discriminating against their Author : XXXX XXXX JPMorgan Chase Forced to Face Pay Discrimination Lawsuit ... \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX JPMorgan Chase & Co. is being forced to face a U.S. Labor Discrimination lawsuit alleging the banking company knowingly paid its female JP Morgan Settles Mortgage Discrimination Lawsuit XXXX The ... \nXXXX XXXX XXXX XXXX XXXXXXXX lawsuit - discrimination / ... \nXX/XX/XXXX On Wednesday, the U.S. attorney for the Southern District of New York, XXXX XXXX filed a lawsuit against XXXX XXXX XXXX alleging that the bank Author : XXXX XXXX. XXXX ''","date_sent_to_company":"2019-07-02T18:06:06.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"VA mortgage","zip_code":"XXXXX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3291641","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-06-29T21:27:43.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Labor Discrimination <em>lawsuit</em> alleging the banking company knowingly paid its female JP Morgan Settles Mortgage Discrimination <em>Lawsuit</em> <em>XXXX</em> The ... \n<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>lawsuit</em> - discrimination / ... \nXX/XX/<em>XXXX</em> On Wednesday, the U.S. attorney for the Southern District of New York, <em>XXXX</em> <em>XXXX</em> <em>filed</em> a <em>lawsuit</em> <em>against</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> alleging that the bank Author : <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em> ''"]},"sort":[15.005905,"3291641"]},{"_index":"complaint-public-v1","_id":"9776338","_score":14.799537,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Formal Complaint Against CashApp for Unfair Practices and Poor Customer Service Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CashApp for their unfair treatment, inadequate customer service, and refusal to address unauthorized charges on my account. \n\nIn year XXXX, I noticed many unauthorized transactions on my CashApp account. I immediately contacted CashApp 's customer service to report these fraudulent charges and to seek assistance in resolving the matter. However, I was met with unresponsive and dismissive behavior. CashApp refused to acknowledge or assist with the unauthorized charges, leaving me with no option but to dispute the charges with my bank. \n\nDue to CashApp 's failure to address the issue, my account incurred a negative balance and my assets were liquidated. What is even more concerning is that CashApp employees are reportedly advising customers who have disputed charges with their banks to pay off the negative balances on their CashApp accounts after receiving settlements from any ongoing lawsuits, case no : XXXX, related to these unauthorized transactions. I find this practice to be completely appalling and outrageous. I am a claimant and I contacted CashApp support today to get my account information for accurate reporting and claim filing. The CashApp account was closed by them because I ultimately had to file unauthorized charges with my bank. Although I provided proof of my claim, CashApp refused to acknowledge it, even saying they did not even see the transactions I was disputing on my account. \n\nAs a consumer, I expect a higher standard of service and accountability from financial institutions like CashApp. Their refusal to assist with unauthorized charges and their attempts to coerce customers into paying negative balances under these circumstances are not only unfair but also deeply troubling, and very frankly, appalling. \n\nCase synopsis : A settlement has been reached in a class action lawsuit against Block, Inc. ( Block ) and Cash App Investing, LLC ( Cash App Investing ) that alleges that Block and Cash App Investing were negligent and breached other obligations to users when a former Cash App Investing employee accessed account data without permission in XXXX and when an unauthorized user accessed certain Cash App accounts in XXXX using recycled phone numbers that were linked to the accounts. Plaintiffs further allege that Block and Cash App Investing were negligent and breached other obligations to users when they failed to implement appropriate controls to prevent unauthorized access to and use of Cash App accounts and when they mishandled and failed to adequately resolve customer complaints regarding unauthorized and unintended transactions. \n\nWhy would I pay them for unauthorized charges that was caused by their negligence, dishonesty, cruelty, rude, unethical employees and clearly proven security breaches? Is that even legal for them to suggest? I will be reporting them to other Consumer Protection Agencies as well. \n\nI urge the CFPB to investigate CashApp 's practices and hold them accountable for their failure to provide adequate customer service and protection against unauthorized charges. Consumers deserve to be treated with respect and fairness, and CashApp 's current practices fall far short of these expectations. \n\nThank you for your attention to this matter. I look forward to your prompt response and action. \n\nSincerely, XXXX","date_sent_to_company":"2024-08-12T16:08:49.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"46350","tags":"Servicemember","has_narrative":true,"complaint_id":"9776338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-08-12T15:36:39.000Z","state":"IN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Case synopsis : A settlement has been reached in a class action <em>lawsuit</em> <em>against</em> Block, Inc. ( Block ) and Cash App Investing, LLC ( Cash App Investing ) that alleges that Block and Cash App Investing were negligent and breached other obligations to users when a <em>former</em> Cash App Investing employee accessed account data without permission in <em>XXXX</em> and when an unauthorized user accessed certain Cash App accounts in <em>XXXX</em> using recycled phone numbers that were linked to the accounts."]},"sort":[14.799537,"9776338"]},{"_index":"complaint-public-v1","_id":"2827548","_score":14.42144,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX contacted by XXXX XXXX # XXXX employed by Mirand Response Systems regarding collection of a XXXX XXXX   overdraft of {$700.00}. The associate was extremely rude and used communicative tactics that were definitely out of compliance as well as bullying verbage. \nXX/XX/XXXX contacted by XXXX XXXX # XXXX employed by Mirand Response Systems regarding collection of {$700.00} overdraft. Once again the same young lady was EXTREMELY rude with her verbal tactics. She asked me questions that I answered without hesitation but was not happy with me stating I was paying the debt directly to the bank. She commenced to state \" it's too early for you to be this rude ''. I hung up and called back and specifically asked XXXX for a Manager. I was forwarded to XXXX XXXX XXXX # XXXX who informed me he was not a Manager, but a supervisor. I clarified his statement by saying \" A floor Supervisor is a Lead, not a Manager '' and I requested a Manager once again. XXXX XXXX  stated the Manager, XXXX XXXX, was not available and would call me back. Due to the fact that he was also tiptoeing on the line of lack of professionalism, I requested to speak to Human Resources or the individual with stature above him that was currently present and was again denied. XXXX stated that the company protocol was to speak to a manager before anyone else. When I reconfirmed there was still no Manager per his advisement so I needed to speak to a higher ranked individual, he repeated company protocol. I then asked XXXX XXXX # XXXX what date was the quoted handbook created, updated or revised he could not answer me and began to state I'm asking for information that has nothing to do with my debt. When I asked XXXX why he couldn't process my complaints, he stated a Manager has to do that which I know to be incorrect as a former XXXX XXXX in the XXXX XXXX of a XXXX XXXX XXXX. I plan on filing a lawsuit against this company in the near future as well as filing additional complaints with the XXXX XXXX XXXX and The Attorney General.","date_sent_to_company":"2018-02-27T14:39:38.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"23462","tags":null,"has_narrative":true,"complaint_id":"2827548","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Mirand Response Systems, Inc.","date_received":"2018-02-27T13:41:08.000Z","state":"VA","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["I plan on <em>filing</em> a <em>lawsuit</em> <em>against</em> this company in the near future as well as <em>filing</em> additional complaints with the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and The Attorney General."]},"sort":[14.42144,"2827548"]},{"_index":"complaint-public-v1","_id":"6803466","_score":14.111696,"_source":{"product":"Student loan","complaint_what_happened":"Dear CFPB : I am reaching out to you as a party who feels harassed by XXXX XXXX XXXX XXXX XXXX, and their attorneys at Forster and Garbus. On XXXX and XXXX of XXXX, my mother and I were sued by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, who retained New York attorneys Forster and Garbus as counsel. They alleged that we owed them money. When pressed to provide documentation that these debts were, in fact, owed to them, they provided insufficient paperwork for the XXXX matter, and no paperwork whatsoever for the XXXX matter. Subsequent to the filing of both these matters, XXXX XXXX XXXX XXXX XXXX XXXX inexplicably dropped the matter. We received a stipulation discontinuing action requesting that the case be dismissed with prejudice. \n\nThese actions have affected me deeply. I am a former debt collector employed by XXXX XXXX XXXX XXXX and I am well aware of the laws and compliance issues tied to the Fair Debt Collection Practices Act ( FDCPA ). I have felt harassed to such an extent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the extreme amounts of duress these matters have placed on me. As a result of these actions and the undue stress they have placed on me, I am also now on short-term XXXX leave. The compounded stress of a loss in wages and the psychological torment of having started on the wrong foot at what should have been my dream job as a XXXX  XXXX at XXXX have created a situation that has led me to reach out to you in order to continue the work that I understand the CFPB had already begun. \n\nOf note, I find it troubling and feel harassed that after a consent order entered into in XXXX of XXXX that, among other provisions, contained an injunction from filing further unsubstantiated lawsuits until completion of an audit XXXX XXXX XXXX XXXX XXXX and Forster and Garbus still managed to file suit against my dear retired mother and I in XXXX and XXXX of XXXX. Was an audit into 800,000 student debts completed between XXXX of XXXX and XXXX of XXXX? How many people are in similar situations having been sued on debts with little to no documentation and this after an injunction? If evidence of chain of assignment can not be identified to its logical conclusion, but aimed at a target anyway, does that not encourage persecution of vulnerable communities? If evidence is not forthcoming when defendants are sued in these instances, what can we say about these officers of the court? \n\nAs a former debt collector of an entity that buys third-party debt for pennies on the dollar and then collects on these debts, I find it deeply distressing for many reasons that settlements can be negotiated with unclear evidence of chain of assignment. I remember vividly hearing the distress in the voices of consumers who at one point maintained that they paid some other debt collector for a debt that XXXX XXXX had recently started to collect on. I remember escalating these cases and learning the lesson early on that debts should only be paid after charge-off once chain of assignment can be established. I remember how disconcerting it was to learn that you can make a good-faith payment to Party A, when in fact Party B is the true holder of the chain of assignment, and that that good-faith payment is no valid defense against the true owner of the debt. These actions against me and my retired mother have triggered bad memories of those days, and my powerlessness to do much to aid the consumer except to leave and resolve to educate as many people as I could in my direct sphere of influence. \n\nI also find certain items interesting ; for example, the XXXX XXXX of XXXX XXXX, which is supposed to be representing me, took USD {$2000.00} from me and promised a deposition which never materialized. The attorney assigned to my case is also by happenstance a former attorney for plaintiffs counsel. Are they intent on representing me? Or is there trepidation to involve XXXX XXXX XXXX XXXX XXXX in a flurry of depositions which would force the hand of evidence regarding a debt that XXXX XXXX supposedly hold? \n\nAs a former debt collector and a current certified anti-money laundering specialist, I am concerned about practices that are unjustifiable where the evidence is not solidly forthcoming. This does not add up, and has greatly perturbed me during the genesis of my career and has instilled fear in my elderly mother for her retirement in what should be her twilight years. The financial hardships this has imposed on my family are myriad. As a condition of my employment, I need to relocate to Arizona. I have not been able to see this through due to the mental and emotional distress. I have had to go on short-term XXXX leave as a result of a medical diagnosis. XXXX XXXX XXXX XXXX XXXX XXXX XXXX to calm symptoms that are a direct result of these actions. The years that I envisioned at XXXX are now under threat, and what should have been a 20-year career doing what I love to do are now off to the worst possible start. \n\nI humbly request that you investigate this behavior, and remain at your disposition to discuss this and any other matters arising from an investigation.","date_sent_to_company":"2023-04-06T21:36:56.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"10040","tags":null,"has_narrative":true,"complaint_id":"6803466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Forster & Garbus LLP","date_received":"2023-04-06T21:33:15.000Z","state":"NY","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Of note, I find it troubling and feel harassed that after a consent order entered into in <em>XXXX</em> of <em>XXXX</em> that, among other provisions, contained an injunction from <em>filing</em> further unsubstantiated <em>lawsuits</em> until completion of an audit <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and Forster and Garbus still managed to <em>file</em> suit <em>against</em> my dear retired mother and I in <em>XXXX</em> and <em>XXXX</em> of <em>XXXX</em>. Was an audit into 800,000 student debts completed between <em>XXXX</em> of <em>XXXX</em> and <em>XXXX</em> of <em>XXXX</em>?"]},"sort":[14.111696,"6803466"]},{"_index":"complaint-public-v1","_id":"2390528","_score":14.1114645,"_source":{"product":"Student loan","complaint_what_happened":"Navient XXXX Student Loan. \nName : XXXX XXXX, XXXX, CA XXXX email : XXXX Phone : XXXX Synopsis : my student loan originated through XXXX as recommended by my college and I received a XXXX student loan for XXXX amounts : DATE : XX/XX/XXXX {$41000.00} DATE : XX/XX/XXXX {$8200.00} TOTAL LOAN {$49000.00} I was enrolled at The XXXX in La Jolla, CA which offers a XXXX in design with a 4 year program. As I was also working at the time, it took me several years to graduate. I was at the time living at my address above. \nDuring the period of XX/XX/XXXX through the present I married in XX/XX/XXXX, had a child in XX/XX/XXXX. During the period from XX/XX/XXXX to the present my husband took hundreds of dollars and maxed out my credit cards, in addition to re-financing my house without my knowledge. The child and I suffered much abuse and confinement from my spouse and I was secretly moved to a safe house in XX/XX/XXXX where I lived for many months. In the meantime I filed for divorce in XX/XX/XXXX and custody of my child as we had been confined to the house without hot water or gas to cook and wash, as well as other conditions. \nIn the mean time I was attending school and working with my parents taking my son until late XX/XX/XXXX when they moved to XXXX. \nI have been continually harrassed by Navient throughout the period following my graduation and until the present. I have been threatened almost daily this year with Default and was forced into Forbearance in XX/XX/XXXX. I had been making loan payments whenever I could. In XX/XX/XXXX-XX/XX/XXXX I filed for bankruptsy as my former spouse had used my savings and salary for his own disposal, including gambling in the stock market and losing hundreds of XXXX dollars. \nAs of Today, XX/XX/XXXX I am employed and Also have a 24 month old daughter. I am XXXX of XXXX and still suffering to make ends meet. \nThe Navient Harrassement which is constant has now threatened me with Wage Garnishment of 25 % beginning on XX/XX/XXXX unless I pay nearly {$10000.00}. by that date. I do not have any financial resources to accomplish this payment and fear the worst. \nMy current loan balance with interest is to date at {$79000.00}. \nI am writing to ask if I have any recource with the current lawsuit filed by the CPFB against NAVIENT. \nKind regards, XXXX","date_sent_to_company":"2017-03-16T21:35:02.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"92058","tags":null,"has_narrative":true,"complaint_id":"2390528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-03-16T21:35:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Keep getting calls about my loan"},"highlight":{"complaint_what_happened":["The Navient Harrassement which is constant has now threatened me with Wage Garnishment of 25 % beginning on XX/XX/<em>XXXX</em> unless I pay nearly {$10000.00}. by that date. 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