{"took":40,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1000,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4494852","_score":17.089308,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After 2 disputes submitted and denied by XXXX, Equifax, and XXXX, XXXX XXXX still FALSLY misleads submittals to these credit agencies by writing that I \" Paid '' the past-due amount but then WRITES -- \" {$730.00} Written Off ''. XXXX XXXXXXXX XXXX slowness in internal processing lead to their statement of \" {$730.00} Written Off '' in the Account with XXXX  XXXX in XXXX. In addition, I believe the simple remedy is for the 3 Credit Agencies, at least, AND if possible to include XXXX XXXX, to list the TRUTH in my 3 credit reports as \" Paid. Account Closed ''. \nLastly, they mistakenly state that my account was opened until XXXX. I believe this is a FALSE statement because it was settled much earlier about XXXX, which would lead to it being deleted all together due to the 10 or 7 year listing of such item being EXPIRED for being listed in current credit agency listings. XXXX XXXX XX/XX/XXXX.","date_sent_to_company":"2021-08-10T15:12:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45458","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4494852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-06-27T20:46:37.000Z","state":"OH","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I <em>believe</em> this is a FALSE statement <em>because</em> it was settled much earlier about XXXX, which would <em>lead</em> to it being deleted all together due to the 10 or 7 year listing of such item being EXPIRED for being listed in current credit agency listings. XXXX XXXX XX/XX/XXXX."]},"sort":[17.089308,"4494852"]},{"_index":"complaint-public-v1","_id":"4494855","_score":17.079956,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After 2 disputes submitted and denied by Experian, XXXX, and XXXX, XXXX XXXX still FALSLY misleads submittals to these credit agencies by writing that I \" Paid '' the past-due amount but then WRITES -- \" {$730.00} Written Off ''. XXXX XXXX 's slowness in internal processing lead to their statement of \" {$730.00} Written Off '' in the Account with XXXX XXXX in XXXX-XXXX. In addition, I believe the simple remedy is for the 3 Credit Agencies, at least, AND if possible to include XXXX XXXX, to list the TRUTH in my 3 credit reports as \" Paid. Account Closed ''. \nLastly, they mistakenly state that my account was opened until XXXX. I believe this is a FALSE statement because it was settled much earlier about XXXX, which would lead to it being deleted all together due to the 10 or 7 year listing of such item being EXPIRED for being listed in current credit agency listings. XXXX XXXX XX/XX/XXXX.","date_sent_to_company":"2021-06-27T21:45:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45458","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4494855","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-06-27T21:45:07.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I <em>believe</em> this is a FALSE statement <em>because</em> it was settled much earlier about XXXX, which would <em>lead</em> to it being deleted all together due to the 10 or 7 year listing of such item being EXPIRED for being listed in current credit agency listings. XXXX XXXX XX/XX/XXXX."]},"sort":[17.079956,"4494855"]},{"_index":"complaint-public-v1","_id":"9799129","_score":16.702559,"_source":{"product":"Credit card","complaint_what_happened":"Citibank is advertising its XXXX XXXX co-branded credit card in the website during booking a ticket but unlike other credit cards, you do not get an online card number which can be used to book the same ticket. In essence, the advertisement is misleading because it lead me to believe that I will be able to apply and use the card to purchase the ticket. Unfortunately not only was I unable to purchase the ticket using the credit card but the airline increased the price of the ticket after applying for it. Also, I got a hit on my credit report","date_sent_to_company":"2024-08-14T20:56:49.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"9799129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-14T20:51:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["In essence, the advertisement is <em>misleading</em> <em>because</em> it <em>lead</em> me to <em>believe</em> that I will be able to apply and use the card to purchase the ticket. Unfortunately not only was I unable to purchase the ticket using the credit card but the airline increased the price of the ticket after applying for it. Also, I got a hit on my credit report"],"sub_issue":["Confusing or <em>misleading</em> advertising about the credit card"]},"sort":[16.702559,"9799129"]},{"_index":"complaint-public-v1","_id":"3519615","_score":15.615894,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have three XXXX tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by XXXX XXXX representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.","date_sent_to_company":"2020-02-04T19:39:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38017","tags":"Servicemember","has_narrative":true,"complaint_id":"3519615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-02-04T19:39:11.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was <em>lead</em> to <em>believe</em> the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit <em>because</em> I am positive others have been <em>mislead</em> as well."]},"sort":[15.615894,"3519615"]},{"_index":"complaint-public-v1","_id":"3519662","_score":15.614639,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have three Navient tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by Sallie Mae/Navient representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.","date_sent_to_company":"2020-02-04T19:39:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38017","tags":"Servicemember","has_narrative":true,"complaint_id":"3519662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2020-02-04T19:17:36.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was <em>lead</em> to <em>believe</em> the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit <em>because</em> I am positive others have been <em>mislead</em> as well."]},"sort":[15.614639,"3519662"]},{"_index":"complaint-public-v1","_id":"3519617","_score":15.614639,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have three XXXX tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by XXXX XXXX representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.","date_sent_to_company":"2020-02-04T19:39:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38017","tags":"Servicemember","has_narrative":true,"complaint_id":"3519617","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-02-04T19:39:11.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was <em>lead</em> to <em>believe</em> the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit <em>because</em> I am positive others have been <em>mislead</em> as well."]},"sort":[15.614639,"3519617"]},{"_index":"complaint-public-v1","_id":"3519616","_score":15.614639,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have three XXXX tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by XXXX XXXX representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.","date_sent_to_company":"2020-02-04T19:39:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38017","tags":"Servicemember","has_narrative":true,"complaint_id":"3519616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-02-04T19:39:11.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was <em>lead</em> to <em>believe</em> the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit <em>because</em> I am positive others have been <em>mislead</em> as well."]},"sort":[15.614639,"3519616"]},{"_index":"complaint-public-v1","_id":"5434036","_score":15.451875,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2021 at XXXX I received a call from a Wells Fargo Agent from the credit card department and spoke with him about placing my closed credit card account on a payment plan. He read me out loud the agreements and disclosures and I said to stop, I dont want to proceed because the disclosure read that any other accounts I have with Wells Fargo will be closed. If thats the case then I said no I dont want to proceed with the payment plan. But he reassured me that he was sure that disclosure only refers to other accounts in similar standing such as default, late payments etc, but my other credit card account was open and in good standing so it wont be closed. Then he stated that if it was closed, it would be able to be reopened as long as I called back and asked to have it reopened. So he told me its fine and to continue with the agreement so I agreed to the terms and put my closed credit card account on the payment plan. \n\nOn XX/XX/XXXX, I noticed my opened credit card account was closed. I then called and tried to get it reopened and I was told that it isnt true. Credit card accounts can never be reopened once closed. So they promoted me to create a compliant case with the executive department because I was wrongfully lead to believe it wouldnt be closed and would be able to be reopened if it was. \n\nAfter creating 3 separate cases and finally speaking with an agent from the executive department, they said the outcome was the same. They cant reopen my account because I agreed to the disclosures. Even though I explicitly said all 3 times in each case, that I was lead to believe the disclosures meant something else from what they actually meant. I was lead to believe one thing and result occurred. Id like my account reopened and/or some sort of compensation for this wrongful act and treatment. I was swindled into thinking my account wouldnt be closed and now I have to deal with the repercussions such as my credit being negatively affected and my credit card no longer being available for use. \nId like for the negative affect to my credit reports be removed because this was something I was fully mislead in. \n\nI want my account reopened and compensation for my account being closed and having to deal with this issue for 6 months now. I have not been paying the credit card account BECAUSE I dont want to pay it and have them give the excuse of youve been paying the credit card account ever since its been closed, you have now accepted its closure, when that is not the case. I will not pay the credit card UNTIL this has been resolved. So IF this is resolved then Id need ALL late fees and unrightful interest payments accrued, be removed. Because I had been paying my credit card on time and havent lead it default. So the late fees and interest payments arent rightfully on accrued.","date_sent_to_company":"2022-04-11T21:55:59.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"95112","tags":null,"has_narrative":true,"complaint_id":"5434036","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-04-11T21:37:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Even though I explicitly said all 3 times in each case, that I was <em>lead</em> to <em>believe</em> the disclosures meant something else from what they actually meant. I was <em>lead</em> to <em>believe</em> one thing and result occurred. Id like my account reopened and/or some sort of compensation for this wrongful act and treatment."]},"sort":[15.451875,"5434036"]},{"_index":"complaint-public-v1","_id":"14946957","_score":15.430382,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I noticed that there are multiple incorrect variations of my name being reported, as well as several outdated addresses that no longer apply to me. These inaccuracies are concerning because they can lead to the misreporting of account information or mistaken identity. Additionally, I discovered at least one hard inquiry that I do not recognize or recall authorizing. I have never given consent for this company to access my credit file, and I believe the inquiry may have been made without a permissible purpose. I have not been contacted by this company nor have I applied for credit with them during the time in question. These reporting issues are misleading and have the potential to impact the accuracy of my credit profile. I am requesting a full investigation into these matters and prompt correction of the disputed information.","date_sent_to_company":"2025-07-29T21:50:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"125XX","tags":null,"has_narrative":true,"complaint_id":"14946957","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-29T21:48:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["These inaccuracies are concerning <em>because</em> they can <em>lead</em> to the misreporting of account information or mistaken identity. Additionally, I discovered at least one hard inquiry that I do not recognize or recall authorizing. I have never given consent for this company to access my credit file, and I <em>believe</em> the inquiry may have been made without a permissible purpose. I have not been contacted by this company nor have I applied for credit with them during the time in question."]},"sort":[15.430382,"14946957"]},{"_index":"complaint-public-v1","_id":"2351671","_score":15.417103,"_source":{"product":"Credit card","complaint_what_happened":"I applied for the Discover IT card and was denied on XX/XX/XXXX. The agent I talked to that same day told me my credit application was n't even reviewed because I had applied for a duplicate card, and that if I applied for a different version of the card, I 'd be approved seeing as everything else was okay, such as waiting 12 months inbetween cards. I applied for the second card and was denied again. I was given misleading information that lead me to believe I 'd be approved, if I would just re-apply. I want XXXX of these duplicate inquiries, that adversely affect my credit score, to be removed. Multiple attempts to contact Discover over the last three and a half weeks have yielded no use.","date_sent_to_company":"2017-02-20T17:32:57.000Z","issue":"Customer service / Customer relations","sub_product":null,"zip_code":"926XX","tags":null,"has_narrative":true,"complaint_id":"2351671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2017-02-20T17:32:56.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The agent I talked to that same day told me my credit application was n't even reviewed <em>because</em> I had applied for a duplicate card, and that if I applied for a different version of the card, I 'd be approved seeing as everything else was okay, such as waiting 12 months inbetween cards. I applied for the second card and was denied again. I was given <em>misleading</em> information that <em>lead</em> me to <em>believe</em> I 'd be approved, if I would just re-apply."]},"sort":[15.417103,"2351671"]},{"_index":"complaint-public-v1","_id":"14945240","_score":15.417103,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I noticed that there are multiple incorrect variations of my name being reported, as well as several outdated addresses that no longer apply to me. These inaccuracies are concerning because they can lead to the misreporting of account information or mistaken identity. Additionally, I discovered at least one hard inquiry that I do not recognize or recall authorizing. I have never given consent for this company to access my credit file, and I believe the inquiry may have been made without a permissible purpose. I have not been contacted by this company nor have I applied for credit with them during the time in question. These reporting issues are misleading and have the potential to impact the accuracy of my credit profile. I am requesting a full investigation into these matters and prompt correction of the disputed information.","date_sent_to_company":"2025-07-29T21:48:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"125XX","tags":null,"has_narrative":true,"complaint_id":"14945240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-29T21:46:07.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["These inaccuracies are concerning <em>because</em> they can <em>lead</em> to the misreporting of account information or mistaken identity. Additionally, I discovered at least one hard inquiry that I do not recognize or recall authorizing. I have never given consent for this company to access my credit file, and I <em>believe</em> the inquiry may have been made without a permissible purpose. I have not been contacted by this company nor have I applied for credit with them during the time in question."]},"sort":[15.417103,"14945240"]},{"_index":"complaint-public-v1","_id":"14944072","_score":15.414375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I noticed that there are multiple incorrect variations of my name being reported, as well as several outdated addresses that no longer apply to me. These inaccuracies are concerning because they can lead to the misreporting of account information or mistaken identity. Additionally, I discovered at least one hard inquiry that I do not recognize or recall authorizing. I have never given consent for this company to access my credit file, and I believe the inquiry may have been made without a permissible purpose. I have not been contacted by this company nor have I applied for credit with them during the time in question. These reporting issues are misleading and have the potential to impact the accuracy of my credit profile. I am requesting a full investigation into these matters and prompt correction of the disputed information.","date_sent_to_company":"2025-07-29T21:46:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"125XX","tags":null,"has_narrative":true,"complaint_id":"14944072","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-29T21:42:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["These inaccuracies are concerning <em>because</em> they can <em>lead</em> to the misreporting of account information or mistaken identity. Additionally, I discovered at least one hard inquiry that I do not recognize or recall authorizing. I have never given consent for this company to access my credit file, and I <em>believe</em> the inquiry may have been made without a permissible purpose. I have not been contacted by this company nor have I applied for credit with them during the time in question."]},"sort":[15.414375,"14944072"]},{"_index":"complaint-public-v1","_id":"2686626","_score":15.367039,"_source":{"product":"Student loan","complaint_what_happened":"My complaint is with XXXX more than my loan servicing company. When I was a student at XXXX for XXXX, I was lead to believe my loan repayment would be less than {$100.00} a month. This was the whole reason I signed up with them in the first place because they made it seem like tuition was going to be about as affordable as local schools were. \n\nNot only this but I had a host of other issues with them - including my initial advisor not changing my classes when I changed programs, resulting in me taking classes I was not required to take and then they refused to refund the money for those classes despite this being their error. New advisors constantly gave me the run around and I eventually had to drop out because I could n't keep wracking up even more debt due to their misleading practices and failure to \" advise '' properly.","date_sent_to_company":"2017-09-27T21:51:16.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"554XX","tags":null,"has_narrative":true,"complaint_id":"2686626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2017-09-27T21:40:04.000Z","state":"MN","company_public_response":null,"sub_issue":"Problem lowering your monthly payments"},"highlight":{"complaint_what_happened":["When I was a student at XXXX for XXXX, I was <em>lead</em> to <em>believe</em> my loan repayment would be less than {$100.00} a month. This was the whole reason I signed up with them in the first place <em>because</em> they made it seem like tuition was going to be about as affordable as local schools were."]},"sort":[15.367039,"2686626"]},{"_index":"complaint-public-v1","_id":"7942145","_score":15.037577,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX I made a direct connection between Navy Federal CU >Navy Fed investment svs >Navy Fed Brokerage > XXXX et al. And so fourth. Based off the evidence that I have found leading to false information to leading me to different directions. This is not at all in good faith to lead a noteholder in misleading information. I am lead to believe there has been a breach in contract for all parties involved also securities, equities EFT fraud happening. When I found the company XXXX for the first time I so happened to click forgot user name and there was an account already opened up for me. Privacy violation # 1 I never gave NFCU et al or XXXX et al permission to do this. Not only that but to restrict access the securities and equities I have with rights to. J know that theres a certain process to this but with both parties telling absolute lies there can never be remedy without cpbf etc. so I am writing because it is time for CFPB to regulate and help because this can not go unjust. I havent received no dividends payouts for the treasury notes, no certificates of indebtedness past present or current. Navy Federal has taken unlawful money from me from debts that were already discharged. I want all of my treasury notes returned. That alone was an unfair process. CFPB I am here to work with someone on your end to get this resolved.","date_sent_to_company":"2023-12-20T17:13:30.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"30318","tags":"Servicemember","has_narrative":true,"complaint_id":"7942145","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-11-28T16:34:39.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["This is not at all in good faith to <em>lead</em> a noteholder in <em>misleading</em> information. I am <em>lead</em> to <em>believe</em> there has been a breach in contract for all parties involved also securities, equities EFT fraud happening. When I found the company XXXX for the first time I so happened to click forgot user name and there was an account already opened up for me. Privacy violation # 1 I never gave NFCU et al or XXXX et al permission to do this."],"company_public_response":["Company <em>believes</em> it acted appropriately as authorized by contract or law"]},"sort":[15.037577,"7942145"]},{"_index":"complaint-public-v1","_id":"23035770","_score":15.0093565,"_source":{"product":"Credit card","complaint_what_happened":"The Following is my response to paragraph XXXX of the US Bank letter to me dated XX/XX/year>. \n\nXXXX. Please provide a detailed description of what was ordered/ purchased. \n\nI ordered a full XXXX  year supply of Semaglutide XXXX for an order price of {$1100.00}. See paragraphs a. through d. below for details of what XXXX did with this order. \n\na. XXXX, the XXXX XXXX application lead me to believe I could sign up for a future delivery date i.e., XX/XX/XXXX instead of XX/XX/XXXX because I already had XXXX drugs for XXXX, XXXX  from another source. This was misleading and not true. \n\nThis is important because the product shipped has a shelf life of XXXX  days which makes the XXXX month useless because it exceeds the XXXX  days shelf-life. The website was definitely false and misleading. \n\nb. XXXX, the XXXX website stated that compounded Semaglutide must be distributed in XXXX  day amounts because of state laws in all XXXX states which I found to be totally untrue which was again false and misleading. \n\nXXXX XXXX, the website mislead me to believe that XXXX was the compounder of Semaglutide XXXX, when, in fact, XXXX is not the compounder of this drug. See warning letter to XXXX from the XXXX issuing XXXX XXXX for XXXX XXXX and XXXX ( CDER ) of the XXXX XXXX XXXXXXXX and XXXX XXXX ( XXXX ) letter dated XXXX XXXXXXXX XX/XX/year> ( letter attached ). \n\nd. Lastly, the previous XXXX Warning Letter contains many other warnings about false and misleading statements by XXXX. See warning letter referenced in paragraph c. above. \n\nAt best, XXXX is guilty of false and misleading statements, if not legally fraudulent! \n\nI have demanded a full refund of the transaction amount for a full year of XXXX XXXX and XXXX has not complied with my refund demand. XXXX on XX/XX/year> did refund to me {$590.00} of the original {$1100.00} leaving a balance owned to me of {$600.00}. The partial refund was unsolicited and is not adequate to satisfy my claim against XXXX for a full refund. \n\nI can not do business with the XXXX company because of its misleading, false and fraudulent business practices and I am entitled to a full refund of the order price stated above. \n\nI entered a dispute in this transaction which US Bank gave me a XXXX credit of {$600.00} on XX/XX/year> and reversed the provisional credit on XX/XX/year> and closed the dispute. I believe US Bank should honor the dispute and give me a permanent credit for {$600.00}. \n\nIf US Bank has any additional questions, please contact me at XXXX.","date_sent_to_company":"2026-06-09T17:15:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"85248","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"23035770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-06-09T17:07:21.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX, the XXXX XXXX application <em>lead</em> me to <em>believe</em> I could sign up for a future delivery date i.e., XX/XX/XXXX instead of XX/XX/XXXX <em>because</em> I already had XXXX drugs for XXXX, XXXX  from another source. This was <em>misleading</em> and not true. \n\nThis is important <em>because</em> the product shipped has a shelf life of XXXX  days which makes the XXXX month useless <em>because</em> it exceeds the XXXX  days shelf-life. The website was definitely false and <em>misleading</em>. \n\nb."]},"sort":[15.0093565,"23035770"]},{"_index":"complaint-public-v1","_id":"3892297","_score":14.816421,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Chase bank increased my credit card spending limit without my authorization. Chase also mislead me about spending limit increases.\n\nChase bank sent me an email after I signed up for this credit card, suggesting that I \" Apply '' for an increased spending limit. This strongly lead me to believe that I needed to apply to have any increase in spending limit, and that I would not be able to go above  my XXXX dollar limit. \n\nThis was proven wrong, when chase decided to increase my limit, during a purchase that would have otherwise been denied at the register. Because my card did not get denied, I continued to spend money on the card to gain Amazon rewards, thinking that I was well  within my XXXX dollar limit. \n\nI'd like to add, that I can prove with documentation my ability to pay this bill in full at any time. I use a credit card to keep my checking information safe. Chase took advantage of this, in a predatory, misleading, and malicious fashion.","date_sent_to_company":"2020-10-11T18:20:44.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"98513","tags":null,"has_narrative":true,"complaint_id":"3892297","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-10-11T18:15:21.000Z","state":"WA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Chase also <em>mislead</em> me about spending limit increases.\n\nChase bank sent me an email after I signed up for this credit card, suggesting that I \" Apply '' for an increased spending limit. This strongly <em>lead</em> me to <em>believe</em> that I needed to apply to have any increase in spending limit, and that I would not be able to go above  my XXXX dollar limit. \n\nThis was proven wrong, when chase decided to increase my limit, during a purchase that would have otherwise been denied at the register."]},"sort":[14.816421,"3892297"]},{"_index":"complaint-public-v1","_id":"9925240","_score":14.715908,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hi, I hope this complaint finds you well because I am trying to use my VA loan to purchase a home, and I am not doing well I am stressed out due to many hard inquiries and negative accounts from different finance/personal, automotive companies and many more companies that are not mine on my credit report. I AM VERYFYING I DO NOT KNOW WHERE THEY CAME FROM so there is no need to ask for any validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquires and negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessens my chances of being approved for a home loan when in reality it wasn't me. Reporting these false things is very misleading. You are in violation because you DID NOT witness me sign for these inquiries or accounts on my credit report.","date_sent_to_company":"2024-08-24T21:42:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"310XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9925240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2024-08-24T20:45:51.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["FDCPA 807 <em>misleading</em> false reporting THE INFORMATION YOU ARE REPORTING WOULD <em>LEAD</em> A FUTURE CREDITOR TO <em>BELIEVE</em> I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessens my chances of being approved for a home loan when in reality it wasn't me. Reporting these false things is very <em>misleading</em>. You are in violation <em>because</em> you DID NOT witness me sign for these inquiries or accounts on my credit report."]},"sort":[14.715908,"9925240"]},{"_index":"complaint-public-v1","_id":"9925180","_score":14.715908,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hi, I hope this complaint finds you well because I am trying to use my VA loan to purchase a home, and I am not doing well I am stressed out due to many hard inquiries and negative accounts from different finance/personal, automotive companies and many more companies that are not mine on my credit report. I AM VERYFYING I DO NOT KNOW WHERE THEY CAME FROM so there is no need to ask for any validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquires and negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessens my chances of being approved for a home loan when in reality it wasn't me. Reporting these false things is very misleading. You are in violation because you DID NOT witness me sign for these inquiries or accounts on my credit report.","date_sent_to_company":"2024-08-24T21:42:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"310XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9925180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Portfolio Services, Inc.","date_received":"2024-08-24T21:42:21.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["FDCPA 807 <em>misleading</em> false reporting THE INFORMATION YOU ARE REPORTING WOULD <em>LEAD</em> A FUTURE CREDITOR TO <em>BELIEVE</em> I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessens my chances of being approved for a home loan when in reality it wasn't me. Reporting these false things is very <em>misleading</em>. You are in violation <em>because</em> you DID NOT witness me sign for these inquiries or accounts on my credit report."]},"sort":[14.715908,"9925180"]},{"_index":"complaint-public-v1","_id":"10070836","_score":14.697834,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hi, I hope this complaint finds you well because I am trying to use my VA loan to purchase a home, and I am not doing well I am stressed out due to many hard inquiries and negative accounts from different finance/personal, automotive companies and many more companies that are not mine on my credit report. I AM VERYFYING I DO NOT KNOW WHERE THEY CAME FROM so there is no need to ask for any validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquires and negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessen my chances of being approved for a home loan when it wasn't me. Reporting these false things is very misleading. You are in violation because you di nit witness me sign for these inquiries or accounts on my credit report.","date_sent_to_company":"2024-09-10T15:52:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"310XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10070836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-10T15:52:31.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FDCPA 807 <em>misleading</em> false reporting THE INFORMATION YOU ARE REPORTING WOULD <em>LEAD</em> A FUTURE CREDITOR TO <em>BELIEVE</em> I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessen my chances of being approved for a home loan when it wasn't me. Reporting these false things is very <em>misleading</em>. You are in violation <em>because</em> you di nit witness me sign for these inquiries or accounts on my credit report."]},"sort":[14.697834,"10070836"]},{"_index":"complaint-public-v1","_id":"10066663","_score":14.697834,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hi, I hope this complaint finds you well because I am trying to use my VA loan to purchase a home, and I am not doing well I am stressed out due to many hard inquiries and negative accounts from different finance/personal, automotive companies and many more companies that are not mine on my credit report. I AM VERYFYING I DO NOT KNOW WHERE THEY CAME FROM so there is no need to ask for any validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquires and negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessen my chances of being approved for a home loan when it wasn't me. Reporting these false things is very misleading. You are in violation because you di nit witness me sign for these inquiries or accounts on my credit report.","date_sent_to_company":"2024-09-10T15:52:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"310XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10066663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-10T15:35:16.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FDCPA 807 <em>misleading</em> false reporting THE INFORMATION YOU ARE REPORTING WOULD <em>LEAD</em> A FUTURE CREDITOR TO <em>BELIEVE</em> I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessen my chances of being approved for a home loan when it wasn't me. Reporting these false things is very <em>misleading</em>. You are in violation <em>because</em> you di nit witness me sign for these inquiries or accounts on my credit report."]},"sort":[14.697834,"10066663"]},{"_index":"complaint-public-v1","_id":"12886954","_score":14.663831,"_source":{"product":"Credit card","complaint_what_happened":"Chase Bank has charged me an interest fee for a card that was paid in full before the next closing date of XX/XX/year>. This card balance was obtained from their website and was stated as theCurrent Balance which would lead a consumer to believe this is their said current balance. Much to my dismay I have learned that the Current Balance does not mean such! Then the word current should not be used as the verbiage as it is false truth. It isnt until one goes through this process and learns that the balance is inaccurate because of daily interest. I find it odd that in a world when one uses their credit card the transaction immediately appears on the account yet with all the technology we have at our fingertips the daily interest rate is not updating daily. I feel this is deliberately done in an effort to mislead the unsuspecting consumer! I attempted to resolve the with Chase through their Customer Service and was denied and the reason for bringing to CFPB.","date_sent_to_company":"2025-04-08T17:41:18.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"064XX","tags":"Older American","has_narrative":true,"complaint_id":"12886954","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-04-08T17:08:12.000Z","state":"CT","company_public_response":null,"sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["This card balance was obtained from their website and was stated as theCurrent Balance which would <em>lead</em> a consumer to <em>believe</em> this is their said current balance. Much to my dismay I have learned that the Current Balance does not mean such! Then the word current should not be used as the verbiage as it is false truth. It isnt until one goes through this process and learns that the balance is inaccurate <em>because</em> of daily interest."]},"sort":[14.663831,"12886954"]},{"_index":"complaint-public-v1","_id":"9925177","_score":14.662031,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hi, I hope this complaint finds you well because I am trying to use my VA loan to purchase a home, and I am not doing well I am stressed out due to many hard inquiries and negative accounts from different finance/personal, automotive companies and many more companies that are not mine on my credit report. I AM VERYFYING I DO NOT KNOW WHERE THEY CAME FROM so there is no need to ask for any validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquires and negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessens my chances of being approved for a home loan when in reality it wasn't me. Reporting these false things is very misleading. You are in violation because you DID NOT witness me sign for these inquiries or accounts on my credit report.","date_sent_to_company":"2024-08-24T21:42:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"310XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9925177","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2024-08-24T21:42:21.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["FDCPA 807 <em>misleading</em> false reporting THE INFORMATION YOU ARE REPORTING WOULD <em>LEAD</em> A FUTURE CREDITOR TO <em>BELIEVE</em> I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessens my chances of being approved for a home loan when in reality it wasn't me. Reporting these false things is very <em>misleading</em>. You are in violation <em>because</em> you DID NOT witness me sign for these inquiries or accounts on my credit report."]},"sort":[14.662031,"9925177"]},{"_index":"complaint-public-v1","_id":"10077344","_score":14.662031,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hi, I hope this complaint finds you well because I am trying to use my VA loan to purchase a home, and I am not doing well I am stressed out due to many hard inquiries and negative accounts from different finance/personal, automotive companies and many more companies that are not mine on my credit report. I AM VERYFYING I DO NOT KNOW WHERE THEY CAME FROM so there is no need to ask for any validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquires and negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessen my chances of being approved for a home loan when it wasn't me. Reporting these false things is very misleading. You are in violation because you di nit witness me sign for these inquiries or accounts on my credit report.","date_sent_to_company":"2024-09-10T15:52:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"310XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10077344","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-10T15:52:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FDCPA 807 <em>misleading</em> false reporting THE INFORMATION YOU ARE REPORTING WOULD <em>LEAD</em> A FUTURE CREDITOR TO <em>BELIEVE</em> I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessen my chances of being approved for a home loan when it wasn't me. Reporting these false things is very <em>misleading</em>. You are in violation <em>because</em> you di nit witness me sign for these inquiries or accounts on my credit report."]},"sort":[14.662031,"10077344"]},{"_index":"complaint-public-v1","_id":"2604485","_score":13.981878,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX of 2017, I got a letter by mail with an offer to open a credit card with a promotional 0 % APR for 15 billing cycles on balance transfers and {$0.00} Transaction fee if used within 45 days of opening the card I applied, so I could transfer {$3500.00} from another credit card. Having excelent credit score, I saw no problems with getting approved for the amount mentioned above. I was approved for a credit limit of {$250.00} dollars. Obviously when asked about the reason, I was told because of high balance on other cards, even though my credit score is excellent. Strange thing, but I believe this is a misleading advertising as with this they got me enrolled, but I will not be able to use the offer that lead me to open the account on the first place. When I called to ask for the reasons, they ran my credit report for a second time, as they said that they couldnt use the previous one.  All for nothing, as they didnt grant any credit increase. This will affect my credit score.","date_sent_to_company":"2017-08-15T00:23:17.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"78260","tags":null,"has_narrative":true,"complaint_id":"2604485","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2017-08-14T23:59:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Obviously when asked about the reason, I was told <em>because</em> of high balance on other cards, even though my credit score is excellent. Strange thing, but I <em>believe</em> this is a <em>misleading</em> advertising as with this they got me enrolled, but I will not be able to use the offer that <em>lead</em> me to open the account on the first place. When I called to ask for the reasons, they ran my credit report for a second time, as they said that they couldnt use the previous one."],"sub_issue":["Confusing or <em>misleading</em> advertising about the credit card"]},"sort":[13.981878,"2604485"]},{"_index":"complaint-public-v1","_id":"10698451","_score":13.948476,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally address an issue regarding a recent late fee charged to my account with Comenity Bank. I made my payment on the due date, but because the payment was processed after Comenity Banks cutoff time, I was still assessed a late fee. I find this practice to be unfair and misleading, as I made my payment on the specified due date in good faith.\n\nComenity Banks policy of charging late fees based on a cutoff time on the due date, rather than the end of the calendar day, does not align with a reasonable understanding of on-time payment. I believe this practice can lead to unintentional late payments, even when customers make an effort to meet the stated due date. It also does not reflect clearly in consumer-friendly terms on my billing statement, making it easy to overlook. \nI have over 5 accounts with them and Ive paid over {$1000.00} in late fees for making a payment minutes after the cut off time.","date_sent_to_company":"2024-11-06T05:19:17.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"76134","tags":null,"has_narrative":true,"complaint_id":"10698451","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2024-11-06T05:11:22.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I <em>believe</em> this practice can <em>lead</em> to unintentional late payments, even when customers make an effort to meet the stated due date. It also does not reflect clearly in consumer-friendly terms on my billing statement, making it easy to overlook. \nI have over 5 accounts with them and Ive paid over {$1000.00} in late fees for making a payment minutes after the cut off time."]},"sort":[13.948476,"10698451"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1000,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1000}]}},"product":{"doc_count":1000,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":624,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":624}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":219,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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