{"took":48,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":39,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3753652","_score":14.940994,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I want to freeze my credit report reporting to third parties. I attempted to do so at the Experian.com website. Their website offer a fee based credit report freeze ( bundled with other services ) without advising the consumer that this service is required by Federal law to be free, and the website has no disclaimer that is readily observable to the consumer. After additional on-line research I did find a buried Experian on-line form that a consumer can complete and get a free, as required by Federal law, credit report freeze. However, I attempted to complete the on-line form several times and was always rejected as my selected PIN was not proper - I followed all on-line PIN instruction, i.e. 5 - 8 digits.","date_sent_to_company":"2020-07-20T14:40:24.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"160XX","tags":"Older American","has_narrative":true,"complaint_id":"3753652","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-07-20T14:25:22.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Their website offer a fee based credit report freeze ( bundled with other services ) without advising the consumer that this service is required by Federal law to be free, and the website has no disclaimer that is readily <em>observable</em> to the consumer. After additional on-line research I did find a buried Experian on-line form that a consumer can complete and get a free, as required by Federal law, credit report freeze."]},"sort":[14.940994,"3753652"]},{"_index":"complaint-public-v1","_id":"7404544","_score":13.873484,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Followup from XXXX and identical complaints prior to that. \n\nAmerican Express Company continues to send unsolicited offers of credit. This matter is unaddressed and unresolved for XXXX months or more after multiple requests through company channels and after that, through this channel. \n\nPlease cease sending unsolicited offers for credit cards or any other matters. Do not reply asking recipient to contact one of your marketing partners. Do not reply asking recipient to check a box on your website or application or the same on a partner 's website or application. Do not reply stating the resolution may take XXXX to XXXX to XXXX weeks - this is now far beyond that time estimate with no observable action on your part, no resolution to date, and no reason to believe that this will be addressed without further escalation. \n\nPlease cease sending unsolicited offers for credit and stop sending junk mail. Please remove the recipient from any and all communications from your company and any and all of your partners. \n\nThank you.","date_sent_to_company":"2023-08-15T23:51:55.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"11375","tags":null,"has_narrative":true,"complaint_id":"7404544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-08-15T23:33:01.000Z","state":"NY","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Do not reply stating the resolution may take XXXX to XXXX to XXXX weeks - this is now far beyond that time estimate with no <em>observable</em> action on your part, no resolution to date, and no reason to believe that this will be addressed without further escalation. \n\nPlease cease sending unsolicited offers for credit and stop sending junk mail. Please remove the recipient from any and all communications from your company and any and all of your partners. \n\nThank you."]},"sort":[13.873484,"7404544"]},{"_index":"complaint-public-v1","_id":"6794907","_score":13.395714,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I made a payment on the XXXX of XXXX and I still have no available credit update as of the XXXX of XXXX so I call in and they tell me again for the third time historically in the existence of my account being open for 6+ months that my money will be in hold for a month until they release it. Like how I said this is the third time they have some this with no warning and holding funds for months collectively. I need this problem solved and my money released within the 1-3 day credit update time frame posted available credit within the 1-3 day time frame from fund extraction date posted and clear answers in written form per policy that is accessable and observable on the consumers side to better help me understand and avoid this financial issue.","date_sent_to_company":"2023-04-04T13:09:28.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"91364","tags":null,"has_narrative":true,"complaint_id":"6794907","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-04-04T12:50:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I need this problem solved and my money released within the 1-3 day credit update time frame posted available credit within the 1-3 day time frame from fund extraction date posted and clear answers in written form per policy that is accessable and <em>observable</em> on the consumers side to better help me understand and avoid this financial issue."]},"sort":[13.395714,"6794907"]},{"_index":"complaint-public-v1","_id":"1463639","_score":12.833652,"_source":{"product":"Credit reporting","complaint_what_happened":"I applied for credit at XXXX and was denied, which was crazy, because my credit score should have been around XXXX. They told me it was because I had XXXX accounts reported for collections. XXXX had XXXX bad accounts reported from XXXX different debt collection companies lying about who I was. These accounts belonged to a woman with my name who lives in XXXX. But, XXXX was not alone. The fact that the TRANSUnion credit reporting agency accepts information about a woman with a different social security number living in a different state and puts it on my account is outrageous. They should be able to be sued for this, but of course, they have probably written laws that prevent that. It was clearly observable that I was living in XXXX during the years they tried to put the bills on me and that I was not that person. This situation ruined our family 's life at a critical time of unemployment and need, and they should be made to pay for it.","date_sent_to_company":"2015-07-11T22:16:30.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"55016","tags":null,"has_narrative":true,"complaint_id":"1463639","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-07-11T22:16:28.000Z","state":"MN","company_public_response":"Company chooses not to provide a public response","sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["It was clearly <em>observable</em> that I was living in XXXX during the years they tried to put the bills on me and that I was not that person. This situation ruined our family 's life at a critical time of unemployment and need, and they should be made to pay for it."]},"sort":[12.833652,"1463639"]},{"_index":"complaint-public-v1","_id":"6163159","_score":11.188816,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have been trying to resolve a dispute that has bee mishandled by USAA. During this process, I asked USAA to alternatively issue a miscellaneous credit to my account instead of continuing to mishandle the dispute. \n\nI was told it was \" impossible '' for USAA to do that. The representative I spoke with, who claimed to go my the name of \" XXXX '' reiterated that not a single employee at USAA has the ability to issue any sort of account credit or an adjustment to an account. I again asked if she stood my this claim to which she confirmed - It is an impossible act for any person at USAA to issue any sort of credit to my account. \n\nI do not believe this. I suspect I have been lied to. I asked for specific reasoning and was told \" that is not how the system works. '' I do not accept this explanation. I feel misled and misinformed by the products offered by USAA and request a canonical explanation addressing the possibility in issuing an adjustment to account. \n\nFurther, I feel retaliated against for making complaints to the CFPB, as the associate became observably frustrated with my continued attempts for clarification despite her continuing to either provide misleading out contradictory answers. An example of contraction came within her various statements such as \" it would have to be a fee or a dispute for an adjustment '' which suggests the possibility to issue adjustments. Further, my account does contain an ongoing dispute, so issuing an adjustment with a dispute as a basis confirms the possibility of adjusting the account. \n\nI've been lied to and USAA is continuing to egregiously mishandle my credit card dispute.","date_sent_to_company":"2022-11-03T17:07:59.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"14150","tags":null,"has_narrative":true,"complaint_id":"6163159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2022-11-03T16:54:26.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["Further, I feel retaliated against for making complaints to the CFPB, as the associate became <em>observably</em> frustrated with my continued attempts for clarification despite her continuing to either provide misleading out contradictory answers. An example of contraction came within her various statements such as \" it would have to be a fee or a dispute for an adjustment '' which suggests the possibility to issue adjustments."]},"sort":[11.188816,"6163159"]},{"_index":"complaint-public-v1","_id":"19589261","_score":10.736983,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complaint description : In XX/XX/XXXX, I purchased a used vehicle from XXXX XXXX XXXX in good faith. The vehicle was represented and sold to me as being in good condition. The vehicle purchased was a XXXX XXXX XXXX for a total purchase price of {$27000.00}. \n\nShortly after I began using the vehicle, I started noticing mechanical and structural issues that were not disclosed at the time of sale. I promptly contacted the dealer to report these concerns and returned the vehicle for inspection. After continued issues, I took the vehicle to my own trusted mechanic for a full evaluation. \n\nDuring this inspection, my mechanic discovered significant water damage underneath the vehicle, indicating prior flooding or water exposure. This condition materially affects the safety, value, and reliability of the vehicle and should have been disclosed prior to sale. At no point was I informed that the vehicle had sustained water damage, nor was this reflected in the dealers representations about the condition of the vehicle. \n\nI believe I was the victim of deceptive practices and false pretenses, as the vehicle was sold to me as being in good condition when, in reality, it had hidden water damage that was not observable during a standard consumer inspection. I relied on the dealers representations when making this purchase. \n\nI am requesting that this matter be investigated and that appropriate corrective action be taken, which may include financial relief, contract review, or other remedies deemed appropriate. I am seeking accountability for the misrepresentation and nondisclosure that occurred in this transaction.","date_sent_to_company":"2026-02-18T15:32:15.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"33023","tags":null,"has_narrative":true,"complaint_id":"19589261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United PanAm Financial Corp.","date_received":"2026-02-18T15:12:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Voluntary repossession"},"highlight":{"complaint_what_happened":["I believe I was the victim of deceptive practices and false pretenses, as the vehicle was sold to me as being in good condition when, in reality, it had hidden water damage that was not <em>observable</em> during a standard consumer inspection. I relied on the dealers representations when making this purchase. \n\nI am requesting that this matter be investigated and that appropriate corrective action be taken, which may include financial relief, contract review, or other remedies deemed appropriate."]},"sort":[10.736983,"19589261"]},{"_index":"complaint-public-v1","_id":"3467510","_score":10.374861,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2019, I became aware of a number of fraudulent charges on my PNC card account ( account ending XXXX ) and immediately notified customer service via the 800-number on my statement. After an extensive conversation, in which I identified the several specific fraudulent charges to the assigned agent, I was informed that the account would be closed, a replacement card issued, an investigation promptly conducted, and the fraudulent charges immediately reversed. \n\nIn the subsequent few days, I did indeed receive a new account number and card ( now ending XXXX ), but the prior account 's balance moved in its entirety the new account number. When there was no further action or contact from the company over the next several days, I reached out a second time to PNC customer service on XX/XX/2019, to inquire as the the ongoing status of the investigation and process. I was informed that things were proceeding appropriately, and I should expect the credit to be issued shortly. \n\nAfter several more days delay with no observable action on the account, I phoned PNC on XX/XX/2019, and again inquired as to the status of the investigation. On this occasion I was told that while my prior account number was indeed closed, there never was *any* fraud report taken. All my previously identified charges had simply moved over to the new account number. After a number of delays and transfers, I finally was given access to an agent in the fraud department who took my claim again and promised that this time the process would be properly initiated. She could offer no explanation for why this lapse occurred. \n\nI am fairly incredulous that PNC failed to execute the clear and obvious fraud complaint I made on XX/XX/2019 and believe this is a significant failure in their systems. To be required to identify the lapse myself, and resubmit the same complaint a second time, is totally unacceptable and should be sanctioned by the CFPB.","date_sent_to_company":"2019-12-13T17:59:37.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"3467510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2019-12-13T17:19:30.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["After several more days delay with no <em>observable</em> action on the account, I phoned PNC on XX/XX/2019, and again inquired as to the status of the investigation. On this occasion I was told that while my prior account number was indeed closed, there never was *any* fraud report taken. All my previously identified charges had simply moved over to the new account number."]},"sort":[10.374861,"3467510"]},{"_index":"complaint-public-v1","_id":"2044917","_score":10.24429,"_source":{"product":"Bank account or service","complaint_what_happened":"I had rented a XXXX XX/XX/XXXX. Even though the transaction was paid for in cash, there was an unauthorized holding/pending charge placed on my US Bank debit card which overdrafted my account. XXXX ONLY had my credit card information because it was required to reserve the rental. The charge pended on my bank account, then disappeared, as it was NOT legitimately authorized and ran mistakenly, unbeknownst to me. As a result of the charge pending, several overdraft charges ( I believe XXXX ), were charged to my account. I contacted staff at US Bank in XXXX, Ohio to contest the fees, as I DID NOT authorize the charge which then disappeared, leaving nothing but the fees. \nThe fact that I did indeed have money in the account is observable due to the fact that the overdraft fees alone totalled MORE than the amount which my account had gone negative. ( IE : I DID NOT overdraft, the pending, unauthorized charge which then DISAPPEAERED, overdrafted me ). \nI was advised by US Bank employees that I should just keep a better eye on my account, and that the only employee who could help me was on leave for another 3 weeks. \nHonestly, I have better things to do with my time than argue with banks over fees which I did not incur through any fault of my own. \nI am now in the \" XXXX '' for a negative account which was solely the fault of the financial institution itself, and by them not honoring their policies for unauthorized charges causing fees.","date_sent_to_company":"2016-08-03T18:17:28.000Z","issue":"Problems caused by my funds being low","sub_product":"Checking account","zip_code":"45014","tags":null,"has_narrative":true,"complaint_id":"2044917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2016-08-03T18:17:27.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The fact that I did indeed have money in the account is <em>observable</em> due to the fact that the overdraft fees alone totalled MORE than the amount which my account had gone negative. ( IE : I DID NOT overdraft, the pending, unauthorized charge which then DISAPPEAERED, overdrafted me ). \nI was advised by US Bank employees that I should just keep a better eye on my account, and that the only employee who could help me was on leave for another 3 weeks."]},"sort":[10.24429,"2044917"]},{"_index":"complaint-public-v1","_id":"7671343","_score":9.329253,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Formal Complaint Against Goldman Sachs Bank USA for Unjust Credit Practices Dear Representatives of the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Goldman Sachs Bank USA ( hereinafter referred to as the Bank ) concerning several applications I submitted for the Apple Card and the subsequent, seemingly unjust, denials I have faced, which appear to be incongruent with the principles and guidelines established under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). \n\nThe denial reasons asserted lack of substantial credit history and insufficient payment history, among others, despite my maintaining a credit account with XXXXXX/XX/XXXX since XX/XX/XXXX, with consistent and up-to-date reporting until at least XX/XX/XXXX. These denials, combined with the ambiguous and inconsistent criteria employed to assess credit applications, seem to infringe upon the mandates of the ECOA that restrict discriminatory practices in credit transactions. \n\nFurthermore, my interactions with the Bank and XXXX have revealed disparities and contradictions in the management and communication of my credit information, its disclosure to third parties, and its utilization in credit decisions, potentially breaching the FCRA which stipulates the necessity for the accurate and fair communication of credit information. \n\nThe following actions detail the aforementioned disregard for regulatory compliance and have imposed significant, tangible harm : Inconsistency and Opacity : Observable discrepancies exist between the information provided by the Bank and XXXX, and the covert use of third-party information in decision-making processes without clear disclosure of these practices. \n\nNeglect of Robust Credit Information : Denials have been issued using arguments of \" insufficient credit history '' and \" insufficient payment history, '' despite a demonstrated history of reliable credit management. \n\nBaseless Credit Denial : Differing reasons for credit denial have been provided across various applications, pointing to a lack of clear and consistent criteria in the Banks credit decisions.","date_sent_to_company":"2023-10-11T03:01:53.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"11372","tags":null,"has_narrative":true,"complaint_id":"7671343","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2023-10-11T02:55:57.000Z","state":"NY","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["The following actions detail the aforementioned disregard for regulatory compliance and have imposed significant, tangible harm : Inconsistency and Opacity : <em>Observable</em> discrepancies exist between the information provided by the Bank and XXXX, and the covert use of third-party information in decision-making processes without clear disclosure of these practices."]},"sort":[9.329253,"7671343"]},{"_index":"complaint-public-v1","_id":"1604610","_score":9.0571,"_source":{"product":"Money transfers","complaint_what_happened":"On XXXX XXXX, I transferred {$400.00} from my personal checking account ( XXXX ) to Google Wallet. The transaction ID is XXXX. Google Wallet is an app which is paired with a Google Wallet Mastercard. Its like XXXX except XXXX works as advertised. According to media reports, most of the funds GW holds on behalf of its account holders is held in FDIC insured accounts, but the GW TOC claims that GW is not FDIC insured. Several operators told me GW is not bound by FDIC regs. \n\nI transferred the money because the UI explicitly and unequivocally stated that the funds would be available in seconds. It stated \" Money will be available in a few seconds '' \" It may take a few days for your bank account to be debited ''. \n\nI immediately received an email that the funds would not be available in GW until XX/XX/XXXX. I immediately called GW customer service. The operator stated that this was a recurring problem. She cancelled the transaction, then warned that the money would still be taken out of the account, but that my bank could stop that from happening. She, and several other operators stated that this could not be stopped by GW once initiated. \n\nI called my bank and was told that stopping such a transaction was simply impossible. The problem is not with my bank. They always do everything right. The money was transferred from my account the next day ( XX/XX/XXXX ). It is now XX/XX/XXXX. I spoke with my bank and a GW manager and XXXX GW operators today. The transfer from XX/XX/XXXX is the only relevant transaction they can see. The transaction appears as failed in the GW dashboard, so my balance there is {$0.00}. The GW operator told me the money \" should be '' in my XXXX account. My money is reflected nowhere. I am told it will reappear in a few days. I believe it will. The problem is the button said that the funds would be available in seconds, not weeks. Another problem is that the {$400.00} is not reflected anywhere in the observable universe. If a bank ( or even a small time payday lender ) did this, the FDIC would kick the doors off the hinges and have the place in receivership in an hour. They would be cuffing people. This same dilemma almost certainly recurring XXXX of times a day. I just checked and the UI is still promising \" money will be available in a few minutes ''","date_sent_to_company":"2015-10-13T20:44:57.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"18064","tags":null,"has_narrative":true,"complaint_id":"1604610","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Google Compare Credit Cards Inc.","date_received":"2015-10-13T20:44:56.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Another problem is that the {$400.00} is not reflected anywhere in the <em>observable</em> universe. If a bank ( or even a small time payday lender ) did this, the FDIC would kick the doors off the hinges and have the place in receivership in an hour. They would be cuffing people. This same dilemma almost certainly recurring XXXX of times a day. I just checked and the UI is still promising \" money will be available in a few minutes ''"]},"sort":[9.0571,"1604610"]},{"_index":"complaint-public-v1","_id":"6703954","_score":8.293253,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I sent a payment the week before XXXX XXXX. Capital One did not credit the payment until after the holiday that XXXX  and I incurred late fees and interest was charged shortly thereafter. Based on incorrectly applied late fees compounded into my balance. When I called Capital One to suggest this had to have been an error because my payment processed by the early morning of the XXXX after XXXX 's XXXX. Well before any mail would have come to the Capital One payment address. It would be virtually impossible for them to cash a check that's not physical there. I explained several to the agent I sas speaking with. I was callously condescended and essentially called a liar on the recorded line. When the agent got frustrated that my story was true he suggested we do a three way call with my bank. I gave him the number and he got them on the line. He introduced himself and commandeered the situation like a police officer interrogating a suspect. The bank representative corroborated my story by answering his specific questions and he eventually relented and agreed to rescind the late fees. He also told me they wouldn't report my payment as being late. Later that week I purchased a vehicle with loan money from a XXXX program for my small business, and primary means of income. I was purchasing the insurance as was required and received a letter from the insurance company today letting me know my payment was rejected by my credit card company. \n\nI thought that had to be a mistake because I cleared up the situation and then for good measure sent just shy of {$5.00} to cover any interest that's still left compounded from erroneously applied late charge that would render my XXXX charge late. I checked my account and sure enough, in an expectedly retaliatory fashion, Capital One had continued to block the card and report the payment as late to credit bureaus even after they admitted fault and rescinded the late fee. I have been driving uninsured for almost a week. When I called Capital One to rectify the situation, the agent just kept repeating what my outstanding balance was completely disregarding my explanation and the observable clues that Capital One is in the wrong. I work way too hard to be the subject of deliberate malice towards a client actually keeping up with payments.","date_sent_to_company":"2023-03-16T15:46:23.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"30214","tags":null,"has_narrative":true,"complaint_id":"6703954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-16T15:24:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["When I called Capital One to rectify the situation, the agent just kept repeating what my outstanding balance was completely disregarding my explanation and the <em>observable</em> clues that Capital One is in the wrong. I work way too hard to be the subject of deliberate malice towards a client actually keeping up with payments."]},"sort":[8.293253,"6703954"]},{"_index":"complaint-public-v1","_id":"21194716","_score":8.205923,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint concerns a pattern and practice of noncompliance by PHH Mortgage Corporation ( now Onity Mortgage Corporation ) in violation of the Real Estate Settlement Procedures Act ( RESPA ) and Regulation X. The servicer has wrongfully restricted access to my reverse mortgage line of credit based on minor repair items, while repeatedly failing to provide a compliant response to my Notices of Error. \n\nThere is a consistent pattern of noncompliance. \n1. PHH established a repair set-aside of approximately {$6600.00}.\n\n2. The vast majority of repairs have been completed, as confirmed by inspection reports and photographic evidence.\n\n3. The remaining items are limited primarily to minor exterior painting.\n\n4. Despite this, PHH has continued to withhold access to my entire line of credit, which exceeds {$200000.00}.\n\n5. I submitted multiple written communications constituting Notices of Error under RESPA, specifically identifying the improper retention of funds in excess of what is reasonably necessary to complete the remaining repairs. \n6. PHH failed to provide a timely and substantively compliant response.\n\nThe PHH/Omnity XX/XX/year> 'Research Response Letter ' fails to cure its prior violations and instead confirms this pattern of noncompliance : - The response asserts that no excess funds exist, yet fails to provide a meaningful, itemized accounting tied to current conditions. \n- The response includes repair items that have already been completed, demonstrating scope inflation and inaccurate analysis. \n- The response includes a {$970.00} XXXXfoundation repair ' estimate despite the inspection report stating no observable foundation issues. \n- The response fails to reconcile inspection findings with its asserted escrow position. \n- The response provides generic documentation requirements but fails to identify a clear, actionable path to compliance. \n- The response relies on conclusory statements rather than a reasonable investigation. \n\nPHHs conduct constitutes violations of RESPA, 12 U.S.C. 2605, and Regulation X, 12 C.F.R. 1024.35, including : - Failure to conduct a reasonable investigation ; - Failure to address the specific errors asserted ; - Failure to provide an adequate written explanation ; - Engaging in a pattern and practice of noncompliant responses. \n\nIn addition, PHHs actions constitute unfair and deceptive practices by withholding substantial funds without a clear or reasonable basis. \n\nPHHs conduct has caused significant financial harm by depriving me of access to my line of credit despite minimal outstanding repair work. This has also resulted in delay, frustration, and unnecessary burden. \n\nI request that the CFPB require PHH to : 1. Provide a compliant RESPA response with a true line-item accounting based on current conditions ; 2. Remove unsupported or previously completed items from the repair scope ; 3. Eliminate unsupported charges, such as the alleged foundation repair.\n\n4. Release all funds held in excess of what is reasonably necessary to complete remaining repairs ; 5. Restore full access to my line of credit ; 6. Confirm corrective action to prevent further regulatory violations.","date_sent_to_company":"2026-04-13T18:39:19.000Z","issue":"Trouble during payment process","sub_product":"Reverse mortgage","zip_code":"840XX","tags":"Older American","has_narrative":true,"complaint_id":"21194716","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2026-04-13T18:08:13.000Z","state":"UT","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["- The response includes a {$970.00} XXXXfoundation repair ' estimate despite the inspection report stating no <em>observable</em> foundation issues. \n- The response fails to reconcile inspection findings with its asserted escrow position. \n- The response provides generic documentation requirements but fails to identify a clear, actionable path to compliance. \n- The response relies on conclusory statements rather than a reasonable investigation."]},"sort":[8.205923,"21194716"]},{"_index":"complaint-public-v1","_id":"16549140","_score":7.851034,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint against Capital One for the abrupt and unexplained closure of all my credit card accounts, which occurred while I was traveling internationally. This action resulted in significant financial hardship, the forfeiture of substantial earned rewards, and a negative impact on my credit score.\n\nI have been a Capital One customer in excellent standing, with an impeccable payment history across all my accounts and a high credit score ( see attached credit report for verification ). \n\nOn XX/XX/year>, I arrived in XXXX for travel for a family emergency. While there, I used my Capital One XXXX XXXX  card for legitimate, routine transactions on widely used applications such as XXXX and XXXX Payments. \n\nOn XX/XX/year>, without any prior notification, warning, or indication of suspicious activity, I discovered that all of my Capital One accounts had been closed. As the XXXX XXXX card was my primary method of payment for this trip, the sudden closure left me in a precarious financial position, forcing me to borrow money from relatives to cover essential expenses. \n\nThe immediate consequences of this unilateral decision include : - XXXX of Rewards : My entire rewards balance, which I estimate to be approximately XXXX points, was revoked. I am unable to confirm the exact amount as I have been locked out of my account. \n- Loss of Annual Fee : Capital One has made no effort to refund the {$390.00} annual fee for my XXXX XXXX  card My attempts to resolve this directly with Capital One were met with significant difficulty. For several days, my calls were automatically routed to general customer service representatives who were unable to provide any information, stating that the relevant department was closed. \n\nOn XX/XX/year> ( XXXX ), I was finally able to speak with a representative from the appropriate department. I was informed that Capital One had closed my accounts, the decision was \" final, '' and the bank would not disclose any reason for the closure. The representative explicitly stated that there were no channels for escalation or appeal. \n\nThis action has already damaged my credit. According to Capital One 's own CreditWise monitoring service, my score dropped by approximately XXXX points following the account closures. \n\nFurthermore, research on public forums reveals numerous, similar reports from other Capital One customers who had their accounts closed without explanation immediately after using their cards in XXXX. While I am not alleging intentional discrimination, this observable pattern of adverse action correlated with travel to a specific country raises serious concerns about potential disparate treatment, which may be inconsistent with the principles of the Equal Credit Opportunity Act ( ECOA ).","date_sent_to_company":"2025-10-13T15:40:47.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"11375","tags":null,"has_narrative":true,"complaint_id":"16549140","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-10-13T14:17:10.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["While I am not alleging intentional discrimination, this <em>observable</em> pattern of adverse action correlated with travel to a specific country raises serious concerns about potential disparate treatment, which may be inconsistent with the principles of the Equal Credit Opportunity Act ( ECOA )."]},"sort":[7.851034,"16549140"]},{"_index":"complaint-public-v1","_id":"11742833","_score":7.798195,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am a consultant for industrial clients located worldwide. One of my current clients is an XXXXbased company. The service contract specifies payment shall be paid in Euros. \n\nOn XX/XX/2024 an original amount of XXXX Euros was sent from my clients bank for payment of my professional service. \n\nOn XX/XX/2024 I was assessed by my bank ( PNC Bank ) a {$15.00} US fee for an incoming international wire transfer. This complaint does not concern this {$15.00} US Service Fee. \n\nThe same day I noticed on my checking account ending in XXXX an amount received of {$25000.00} US The conversion rates observed for XX/XX/2024 were found on the web to be, XXXX ( X-Rates website ) and XXXX ( XXXX website ) For simplicity, lets take the conversion rate from Euros to US Dollars at XXXX. \nThen the conversion of XXXX Euros should give {$25000.00} US. \nXXXX were deposited in my checking account ending on XXXX. \n\nHence giving a difference of converted amount of {$790.00} US dollars between the amount after the conversion made by PNC Bank and the amount calculated with conversion rate observed on the market. \n\nTo my dismay, I could not find on my bank website the currency exchange rate between Euros and US Dollars for this operation. \nI called customer service, and the employee was also unable to find this information. \nAfter some time searching online in the PNC Bank website to no avail, I went to a PNC Bank branch located XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and filed a complaint. \n\nI have received multiple international transfers these last 10 years. I never paid more than {$200.00} in fees and commissions. I was also notified of the currency exchange rate used. \n\nI am aware that, 1- PNC Bank XXXX like any of its competitors, is a for profits enterprise, and by so want to take a commission from the conversion of a foreign currency. \n2- the conversion rate used by PNC Bank may not be the strict equivalent of the conversion rate observable on the market 3- a spread may exist between the conversion rate observed on the market and the actual rate used to convert the foreign currency into US Dollars.\n\nBut, this said, where does the spread stop? The exchange rate can then be anything, and in fact chosen in a total arbitrary manner, and so the amount paid to receive an international can literally go through the roof, if you will. \n\nThis is not fair business practice. \nI do believe that as a customer, I should have full visibility into the conversion rates, fees, charges and commissions that affect my transactions, especially when they result in such substantial financial hardship.","date_sent_to_company":"2025-01-25T02:41:11.000Z","issue":"Wrong amount charged or received","sub_product":"International money transfer","zip_code":"775XX","tags":null,"has_narrative":true,"complaint_id":"11742833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2025-01-25T02:29:43.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am aware that, 1- PNC Bank XXXX like any of its competitors, is a for profits enterprise, and by so want to take a commission from the conversion of a foreign currency. \n2- the conversion rate used by PNC Bank may not be the strict equivalent of the conversion rate <em>observable</em> on the market 3- a spread may exist between the conversion rate observed on the market and the actual rate used to convert the foreign currency into US Dollars.\n\nBut, this said, where does the spread stop?"]},"sort":[7.798195,"11742833"]},{"_index":"complaint-public-v1","_id":"18626771","_score":7.3589096,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint concerns a systemic practice by PayPal , Inc., not an isolated account dispute.\n\nPayPal operates an internal billing authorization token system that extracts funds from consumer accounts after cancellation, refund, and stop-payment notice, without providing consumers or regulators with verifiable records that withdrawals are initiated by merchants or settled to merchants. \n\nThe issue described below affects any consumer subject to PayPals token system.\n\nSYSTEMIC ISSUE SUMMARY PayPal maintains exclusive control over billing authorization tokens used to debit consumer accounts. These tokens : Persist after subscription cancellation, Persist after refunds acknowledging lack of authorization or service, Persist after explicit consumer notice to stop payment, Can not be viewed, revoked, or XXXX by consumers. \n\nXXXXayPals system allows continued withdrawals without consumer control and without merchant-visible billing artifacts.\n\nOBSERVABLE SYSTEM BEHAVIOR Across affected accounts, PayPal transaction histories display : Debit entries labeled as withdrawals, No invoice records, No subscription records, No contemporaneous merchant billing requests, No settlement or remittance confirmation to merchants.\n\nThe only verifiable action is that PayPal debits the consumer account. PayPal does not provide a c\nonsumer-accessible audit trail establishing that : A merchant initiated the charge at the time of debit, or Funds were transferred to a merchant rather than retained internally.\n\nREGULATORY IMPLICATIONS ( SYSTEMIC ) This practice implicates multiple provisions of the Electronic Fund Transfer Act and Regulation E ( 12 CFR Part 1005 ) on a systemic basis, including : Unauthorized electronic fund transfers ( 1005.2 ( m ) ), Failure to honor stop-payment instructions for preauthorized transfers ( 1005.10 ( c ) ), Failure to investigate and correct errors ( 1005.11 ).\n\nPayPals token architecture prevents consumers from exercising statutory rights by design.\n\nCONTROL AND AUTHORITY STRUCTURE PayPal, not merchants and not consumers, controls : Token issuance, Token persistence, Token execution, Token termination.\n\nConsumers can not independently revoke authorization.\n\nStop-payment notices do not reliably terminate token execution.\n\nRefunds do not permanently revoke tokens.\n\nThis places PayPal in the position of effective initiator of the transfer once merchant access is severed.\n\nCONSUMER HARM ( CLASS-WIDE ) The system produces predictable harm : Unauthorized debits after cancellation or refund, Inability to stop payment through ordinary means, Forced card cancellation as a substitute for compliance, Loss of access to funds, Repeated withdrawals without transparent justification.\n\nThis harm is structural, not accidental.\n\nREQUESTED CFPB ACTION ( SYSTEMIC ) I respectfully request that the CFPB : Investigate PayPals billing authorization token system as a systemic practice.\n\nRequire PayPal to demonstrate, for token-based withdrawals : Merchant-initiated billing requests, Settlement or remittance records to merchants.\n\nDocumentation demonstrating the described system behavior can be provided upon request.","date_sent_to_company":"2026-01-20T21:37:20.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"55987","tags":"Older American","has_narrative":true,"complaint_id":"18626771","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-01-10T16:13:57.000Z","state":"MN","company_public_response":null,"sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":["<em>OBSERVABLE</em> SYSTEM BEHAVIOR Across affected accounts, PayPal transaction histories display : Debit entries labeled as withdrawals, No invoice records, No subscription records, No contemporaneous merchant billing requests, No settlement or remittance confirmation to merchants.\n\nThe only verifiable action is that PayPal debits the consumer account."]},"sort":[7.3589096,"18626771"]},{"_index":"complaint-public-v1","_id":"8070880","_score":7.093401,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received several emails from so-called Experian on results of credit report disputes, credit score information, credit cards offer, saving offer, car loan offer, and service for the consumer individual saving. I would like to inform a following issues, which I have already sent to Consumer Financial Protection Bureau. There are three email addresses which relate with Experian, XXXX, XXXX, and XXXX. The first email address, XXXX sent many offers, which do not relate with credit report at all. Other two emails offer credit report. The first one has the website of Experian, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX registration. After I wrote about this much, I tried to find out the links of these two credit reports. I found out the former one, which I believe it was the information of credit report or, otherwise, the information of saving accounts, turned into the credit cards offer link XXXX XXXX XXXX XXXX XXXX XXXXXXXX \n\nIn these credit reports, there are the mentions of my credit cards account. It looks I have two accounts, which both start from XXXX. In usa.experian.com, the first account record says the account was open XX/XX/XXXX, and this one I agree. However, the account was closed in XX/XX/XXXX, even though I still use. And its balance history was {$0.00} from XX/XX/XXXX, which was the remaining record or observable record in website. And this account was closed due to the customers request, but I never asked to close to XXXX XXXX XXXXXXXX. Another account record of same account number says account was opened on XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) is the contact number for both accounts. Another Experian credit report seemed to say the monthly payment ; however, now after 20 mins., the report says {$0.00} payment, even though I must have had the payment. \n\nSince I have observed that these two Experian credit report suppliers change the content of report in the name of the result of dispute without my request, such as the year of my birth and one questionable function, fraud alert, which disappears after I requested, then appears again to add fraud alert nest time ; that means, the latter Experian asks me to add fraud alert every time, even though, now, there are extended fraud alert. Since the contents of these reports are not reliable, especially on internet, I would ask Experian, addressed Experian, XXXXXXXX XXXX XXXX  XXXX, TX XXXX To provide the formal written credit report. As far as I remember, I have not received any from this company, even though other three credit report companies have sent the formal written one to me as their evidence to let me dispute properly. \n\n\nSincerely,","date_sent_to_company":"2023-12-28T17:53:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"076XX","tags":null,"has_narrative":true,"complaint_id":"8070880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-28T17:50:12.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["And its balance history was {$0.00} from XX/XX/XXXX, which was the remaining record or <em>observable</em> record in website. And this account was closed due to the customers request, but I never asked to close to XXXX XXXX XXXXXXXX. Another account record of same account number says account was opened on XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) is the contact number for both accounts."]},"sort":[7.093401,"8070880"]},{"_index":"complaint-public-v1","_id":"3499218","_score":6.657984,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This complaint is related to an already existing complaint with the CFPB, XXXX. I will attach that complaint, upon which I now have an addendum. \n\n\" On XX/XX/XXXX, I became aware of a number of fraudulent charges on my PNC card account ( account ending XXXX ) and immediately notified customer service via the 800-number on my statement. After an extensive conversation, in which I identified the several specific fraudulent charges to the assigned agent, I was informed that the account would be closed, a replacement card issued, an investigation promptly conducted, and the fraudulent charges immediately reversed. In the subsequent few days, I did indeed receive a new account number and card ( now ending XXXX ), but the prior account 's balance moved in its entirety the new account number. When there was no further action or contact from the company over the next several days, I reached out a second time to PNC customer service on XX/XX/XXXX, to inquire as the the ongoing status of the investigation and process. I was informed that things were proceeding appropriately, and I should expect the credit to be issued shortly. After several more days delay with no observable action on the account, I phoned PNC on XX/XX/XXXX, and again inquired as to the status of the investigation. On this occasion I was told that while my prior account number was indeed closed, there never was *any* fraud report taken. All my previously identified charges had simply moved over to the new account number. After a number of delays and transfers, I finally was given access to an agent in the fraud department who took my claim again and promised that this time the process would be properly initiated. She could offer no explanation for why this lapse occurred. I am fairly incredulous that PNC failed to execute the clear and obvious fraud complaint I made on XX/XX/XXXX and believe this is a significant failure in their systems. To be required to identify the lapse myself, and resubmit the same complaint a second time, is totally unacceptable and should be sanctioned by the CFPB. '' Subsequent to the submission of the above complaint, I received a phone call on XX/XX/XXXX, from XXXX XXXX, from PNC 's Executive Offices. She was very helpful, and agreed to liaise with me vis-a-vis the dispute department on this matter. A key point she related to me as we discussed the items that I believed were valid ( vs. invalid ), was that *I would receive a final written itemization in the mail of the claimed items to review and correct* before the claim was finalized. I believe such a practice is also compliant with and required by the Fair Credit Billing Act. \n\nYet as of today, XX/XX/XXXX, I have yet to receive such a written itemization. Further, the Company simply took as final my rough orally expressed indications of what I believed to be fraudulent, and in the process, interpreted my statement incorrectly, or made errors themselves, and the result has been an overall denial of the claim, which includes many patently fraudulent items that I continue to dispute. \n\nI must have had at least 8+ phone calls on this matter ( because of the earlier complaint referenced above ) over the course of the last several weeks, and in all cases did not have the card statements available to me as I was being queried and as I was asked to recall dates and events that occurred several months prior. Based on Ms. XXXX 's assurances, it was my sense I would be given an opportunity to review things on paper, as is my right, before formally finalizing the claim. This has been denied to me in the interest of expedience by the Company to close out the claim and move to the next.","date_sent_to_company":"2020-01-16T21:18:31.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"3499218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2020-01-16T20:41:59.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["After several more days delay with no <em>observable</em> action on the account, I phoned PNC on XX/XX/XXXX, and again inquired as to the status of the investigation. On this occasion I was told that while my prior account number was indeed closed, there never was *any* fraud report taken. All my previously identified charges had simply moved over to the new account number."]},"sort":[6.657984,"3499218"]},{"_index":"complaint-public-v1","_id":"19139414","_score":6.613783,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am submitting this complaint to report deeply concerning conduct by Affirm Loan Services, LLC that raises serious questions regarding consumer privacy, debt collection practices, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. \n\nI am currently slightly behind on my loan payments. For approximately the past XXXX ( XXXX ) months, I have experienced a persistent and alarming pattern in the phone calls I receive from Affirm related to debt collection. \n\nDescription of the Conduct Affirm contacts me approximately XXXX to XXXX ( XXXX ) times per day using phone numbers that consistently reflect the same area codes as individuals I communicate with throughout that day, including personal contacts and family members. These calls often occur shortly after I have spoken with those individuals. \n\nThis pattern has occurred repeatedly over a sustained period and does not appear coincidental. The timing and area-code matching reasonably raise concerns that Affirm may be accessing, inferring, or utilizing information related to my phone records, call metadata, or contact activity in connection with its collection efforts. \n\nI have never provided consent for Affirm to access my phone records, call logs, contact list, or communications metadata. If Affirm is obtaining or inferring this information through undisclosed means, it would constitute a serious invasion of privacy and may represent an unfair, deceptive, or abusive practice under UDAAP standards. \n\nTimeline Summary Approximate start : XXXX months ago Ongoing through present Frequency : Approximately XXXX collection calls per day Pattern observed : Calls originate from phone numbers matching area codes of individuals I spoke with earlier that same day Impact : Ongoing distress, concern for privacy, and fear of unauthorized data use Regulatory Concerns This conduct raises multiple regulatory concerns, including but not limited to : FDCPA concerns, including harassment, oppressive conduct, and improper methods of communication UDAAP concerns, including lack of transparency regarding data use and potentially abusive or deceptive collection tactics Data privacy and consumer consent issues, particularly if personal communications data is being accessed or inferred without authorization While I can not state with technical certainty how this information may be obtained, the consistent, observable pattern over several months reasonably warrants regulatory review. \n\nI am aware that Affirm may already be subject to litigation or regulatory scrutiny related to consumer practices, which makes this issue especially concerning. \n\nRequested Resolution I respectfully request that the CFPB investigate this matter and require Affirm to : Provide a clear explanation of how it determines the phone numbers and area codes used to contact me Confirm whether Affirm has accessed, purchased, inferred, or otherwise used my phone records, call XXXX, or communications-related data Identify all third-party data sources used in its debt collection efforts Cease any improper or intrusive collection practices Take corrective action if any violations of consumer protection laws are identified This situation has caused ongoing distress and serious concern for my personal privacy and data security. \n\nI am requesting regulatory review based on repeated, consistent observations over time, not speculation, and am seeking transparency and compliance assurance. \n\nmy loan id is XXXX, Respectfully, XXXX XXXX","date_sent_to_company":"2026-01-30T19:25:33.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"78610","tags":null,"has_narrative":true,"complaint_id":"19139414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2026-01-30T18:57:00.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["concerns, including but not limited to : FDCPA concerns, including harassment, oppressive conduct, and improper methods of communication UDAAP concerns, including lack of transparency regarding data use and potentially abusive or deceptive collection tactics Data privacy and consumer consent issues, particularly if personal communications data is being accessed or inferred without authorization While I can not state with technical certainty how this information may be obtained, the consistent, <em>observable</em>"]},"sort":[6.613783,"19139414"]},{"_index":"complaint-public-v1","_id":"22778432","_score":6.410574,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint relates to an appraisal used in a refinance transaction that has prevented the loan from proceeding.\n\nIssue Summary I am submitting a complaint regarding a residential appraisal used in connection with a refinance transaction through my mortgage lender. The appraisal value of {$650000.00} is materially inconsistent with observable market data and has directly prevented me from proceeding with a refinance that would consolidate my existing mortgage, HELOC, and other debts. \nA reconsideration of value ( XXXX  ) was requested through the lender and was denied. However, no meaningful explanation or supporting reasoning was provided for the denial, and my request to speak with someone in that department was denied at every request. \nXXXX Detailed Description This complaint is not based on a general disagreement with value, but rather on concerns that the appraisal may not meet applicable standards for credible, market-supported results under FHA guidelines and USPAP. \nSpecifically : The appraisal reflects a price-per-square-foot conclusion of approximately XXXX XXXX ft, while comparable properties within the same subdivision and immediate market area are consistently transacting within an approximate range of {$400.00} $ XXXX ft ( a variance of approximately 2530 % ) The appraised value of {$650000.00} falls materially outside the observed range of recent comparable sales within the same subdivision, which range from approximately {$900000.00} to {$980000.00} Analysis of comparable sales indicates that the result appears to be driven by the selection of properties that are not the most similar to the subject property, resulting in a significantly lower value conclusion This is not a minor variance or typical appraisal difference. Based on multiple independent market observations and discussions with unaffiliated mortgage professionals, a valuation at this level for a property of this type, age, and conditionparticularly one located in XXXX XXXX XXXX within the Nocatee areais not consistent with prevailing market conditions. \nXXXX  Concern With Lender Response While I understand the independence requirements applicable to appraisals, I am concerned that : The reconsideration of value process did not result in a substantive or transparent review No detailed explanation was provided as to why the concerns raised were rejected It is unclear whether the appraisal was evaluated for compliance with XXXX or FHA requirements for credible assignment results Repeated attempts to obtain clarification or escalation within the lender have not resulted in meaningful engagement or resolution. \nXXXX Requested Resolution I am requesting that the lender : XXXX. Provide a detailed written explanation of the basis for denying the reconsideration of value, including whether the appraisal was reviewed for compliance with USPAP and FHA standards XXXX. Confirm whether the appraisal was reviewed by an internal appraisal review, collateral risk, or compliance function XXXX. Conduct ( or document that they have conducted ) a compliance-focused review of the appraisal to determine whether it meets standards for credible, market-supported results XXXX. Clarify what options, if any, are available to obtain a new or independent appraisal within the context of this transaction XXXX. To provide additional transparency into the reconsideration of value ( XXXX  ) process. I I request any available information regarding how such requests are evaluated and the extent to which they result in changes to the original appraised value ( e.g., internal policies, benchmarks, or general outcome trends, if available ). To the extent possible, I also request clarification as to whether the lender tracks or monitors the effectiveness of its XXXX process, including how often submitted concerns result in modified valuations. This information will help clarify whether the review process functions as a substantive evaluation of appraisal credibility, or simply a check-the-box exercise, which seems highly unethical. \nXXXX  Impact As a direct result of this appraisal, I have been unable to move forward with a refinance that would materially improve my financial position by consolidating my main mortgage, my HELOC, and additional debt into a single loan. The current situation has created both financial, emotional and transactional harm, and I am seeking a fair and transparent review based on objective market data.","date_sent_to_company":"2026-06-01T20:11:13.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"FHA mortgage","zip_code":"320XX","tags":null,"has_narrative":true,"complaint_id":"22778432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2026-06-01T19:34:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Negative impact of inaccurate appraisal"},"highlight":{"complaint_what_happened":["The appraisal value of {$650000.00} is materially inconsistent with <em>observable</em> market data and has directly prevented me from proceeding with a refinance that would consolidate my existing mortgage, HELOC, and other debts. \nA reconsideration of value ( XXXX  ) was requested through the lender and was denied. However, no meaningful explanation or supporting reasoning was provided for the denial, and my request to speak with someone in that department was denied at every request."]},"sort":[6.410574,"22778432"]},{"_index":"complaint-public-v1","_id":"2081278","_score":6.1161957,"_source":{"product":"Mortgage","complaint_what_happened":"We are purchasing a property from XXXX TRSTEE of a REO that OCWEN LOAN SERVICING LLC was/is the servicer and the property address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The property was listed in the Florida XXXX and was listed through a broker, so Florida Statue, 475 ( FS ) would applies regardless if the property was sent to Auction. \nAfter being told that the prior winner of the auction decided not to move forward, we were told that we would have to go up to highest and best offer and won the bid. We did an inspection within the inspection period and objected to title issues on their title commitment of liens and violations that the servicers knew of and was dealing with correcting with the City of XXXX XXXX for over a year ( This was not disclosed as well ). And although the contract was AS-IS, we could do an inspection, and we had an objection clause for title within a certain period. We knew that the seller has had XXXX previous buyers that walked, and they were presented with an inspection report within the past XXXX moth to a year. So Ocwen and the Listing Agent were both aware of these issues on the inspection report and they did not disclose to us or in the XXXX. \nI sent an email with the inspection to the seller 's title company and our point person XXXX XXXX, Closing Coordinator, XXXX XXXX XXXX XXXXXXXXXXXX, P : XXXX | Ext. XXXX F : ( XXXX ) XXXX, that we explain that there are over $ XXXX of deficiencies in the home, including mold issues, we had requested that the lender replace the pool pump and heater, correct the improper sprinkler pump they paid someone to installed without a permit ( hazard & electrocution issue ) so at least the lawn can be watered to reduce the weed issues, replace the stolen AC condenser and replace both Electrical Panels ( illegal now and can not be insured ) and we would take care of the interior electrical issues, mold and other issues as per inspection report. \nI also explained that since this is a primary resident we are buying and we have been watching the home for over 2 years. They said they would review our inspection report and the seller/lender would review our request. They said the lender/seller would give us some credits for repairs, and we replied what was the amount of the \" some credit '' did the investor had in mind? We need to lock this down sooner rather than later so we feel certain of this transaction closing. \nThe seller/lender came back stating that price reduction we requested and they approved was now all we were getting. We explained that that reduction we requested was based on the fact that the property value vs. auction price was overvalued, which we provided comps to validate our statement. And since the seller, the listing agent & their preservation company did not disclose known defects that they were aware of ; constitute misrepresentation, so \" Caveat Emptor '' does not apply when seller & realtor withheld facts of material defects affecting the home and its value, which is not readily observable and are not known to buyers, the seller is under duty to disclose and Florida Statue 475, FL, has extended that duty to real estate licensees ( the listing Broker ) selling residential properties, see XXXX XXXX XXXX, and since the XXXX showed no such addendum or disclosures were provided, this constitutes fraudulent misrepresentation and concealment. \nOcwen is notorious for doing what they want, they own the auction house and the title company, so we are not sure if these decisions are coming from Ocwen or the title company is taking upon itself to not present our issues and making autonomous decisions on their own. Please us. \n\nAlso, title company tried to deceived us by sending us only partial liens, of $ XXXX, $ XXXX, $ XXXX and with held the a fourth lien on title totaling {$170000.00}. Luckily we ordered our own lien search.","date_sent_to_company":"2016-08-25T20:21:30.000Z","issue":"Application, originator, mortgage broker","sub_product":"FHA mortgage","zip_code":"33071","tags":null,"has_narrative":true,"complaint_id":"2081278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2016-08-25T20:21:29.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["And since the seller, the listing agent & their preservation company did not disclose known defects that they were aware of ; constitute misrepresentation, so \" Caveat Emptor '' does not apply when seller & realtor withheld facts of material defects affecting the home and its value, which is not readily <em>observable</em> and are not known to buyers, the seller is under duty to disclose and Florida Statue 475, FL, has extended that duty to real estate licensees ( the listing Broker ) selling residential"]},"sort":[6.1161957,"2081278"]},{"_index":"complaint-public-v1","_id":"19040196","_score":6.0056744,"_source":{"product":"Credit card","complaint_what_happened":"I have written numerous times to the credit card company. \nDescription of Complaint I am submitting this complaint regarding a disputed credit-card transaction involving the purchase of a necklace that was represented as an authentic XXXX XXXX XXXX XXXX XXXX XXXX XXXX but which was later determined to be non-authentic and counterfeit. \n\nThis dispute concerns the credit-card issuers failure to comply with its obligations under the XXXX XXXX Billing Act ( FCBA ), XXXX XXXX. XXXX, and Regulation Z, XXXX C.F.R. XXXX. \n\nXXXX and XXXX I purchased the necklace based on the explicit representation that it was a genuine XXXX XXXX XXXX XXXX XXXX necklace. The purchase price reflected the market value of an authentic luxury item. Had the item been accurately described, I would not have agreed to the transaction. \n\nAfter receiving the necklace, I identified material discrepancies in craftsmanship, materials, and overall quality when compared to authentic XXXX XXXX XXXX XXXX XXXX necklaces. \n\nXXXX XXXX XXXX independent professional examination and photographic comparison was conducted against an authentic XXXX XXXX XXXX XXXX XXXX necklace. That examination concluded that : The item is not an authentic XXXX XXXX XXXX XXXX XXXX necklace ; The item is a copy of the protected XXXX design ; and The item was not manufactured, authorized, or sold by XXXX XXXX XXXX XXXX. \n\nThe conclusion was based on objective and observable differences, including motif shape and proportions, bead ( perle ) detailing, surface finish, chain construction, and overall craftsmanship. \n\nActions I Have Taken I have acted diligently, promptly, and in full compliance with my obligations under the XXXX, including : Timely Notice of Billing Error I notified my credit-card issuer in writing of a billing error involving goods that were not as described and materially misrepresented, within the time period required by XXXX U.S.C. XXXX ( a ). \n\nSubmission of Supporting Documentation I provided written documentation and photographic evidence demonstrating that the item is counterfeit and not the product that was represented at the time of sale. \n\nFull XXXX with the XXXX I responded promptly to all requests from the issuer for additional information and complied with every procedural requirement imposed by the issuer. \n\nContinued Follow-Up I followed up repeatedly after extended delays and after the issuer failed to resolve the dispute within the statutory investigation period. \n\nCredit Card Issuers Failures Despite my compliance and the clear evidence provided, the credit-card issuer failed to satisfy its statutory obligations, including : Failure to Conduct a Reasonable Investigation, as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) and XXXX C.F.R. XXXX ( f ) ; Failure to Correct a Billing Error involving goods that were materially misrepresented and not delivered as agreed, in violation of XXXX XXXX. XXXX ( b ) ( XXXX ) ; XXXX XXXX or Denial of XXXX beyond the FCBAs maximum investigation period of XXXX billing cycles ( not to exceed XXXX  days ), as set forth in XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX C.F.R. XXXX ( c ). \n\nThere is no legitimate factual dispute regarding authenticity. The evidence establishes that the item delivered was not the product represented at the time of sale. \n\nHarm and Requested Resolution As a direct result of the issuers violations of the XXXX and XXXX XXXX, I remain charged for a counterfeit item that I would not have purchased had it been accurately described. \n\nI respectfully request that the CFPB require the credit-card issuer to : Comply with XXXX U.S.C. XXXX and XXXX C.F.R. XXXX ; XXXX the charge for the counterfeit item ; Remove any interest, fees, or adverse account impact associated with this dispute ; and Ensure that its dispute-handling practices comply with federal law. \n\nI have acted in good faith, met every statutory requirement, and provided substantial evidence. The issuers continued failure to resolve this matter is unreasonable and has caused financial harm.","date_sent_to_company":"2026-01-27T16:54:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94611","tags":null,"has_narrative":true,"complaint_id":"19040196","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-01-27T16:45:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The conclusion was based on objective and <em>observable</em> differences, including motif shape and proportions, bead ( perle ) detailing, surface finish, chain construction, and overall craftsmanship."]},"sort":[6.0056744,"19040196"]},{"_index":"complaint-public-v1","_id":"12125904","_score":5.7417145,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion\nP.O. Box 2000\nChester PA 19016-2000\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX\nTo whom it may concern,\nI am extremely disappointed that inaccurate information has been included in my credit report. The Fair Credit\nReporting Act gives me the right to dispute any such information, and I demand that this be rectified as soon\nas possible.\nI understand that creditors are required to document and validate the data in my credit report before using it. I\nfind it unacceptable that allegations of delinquency and derogatoriness against me have been made, which are\ncompletely false. I will fight back with all my strength, but I need evidence that supports the negative status of\nmy accounts. I request that you provide proof of a permissible purpose for the inquiry or account within my\nreport.\nYour lack of attention to detail in compiling my credit report is disappointing, and I must say that you are not\ndoing your job properly. Immediate action is imperative to resolve this issue; otherwise, there could be serious\nconsequences. I am giving you a 30-day window from the date of delivery to resolve this matter, and I hope\nthat everything can become clear and correct itself without the need for intervention or escalation.\nListed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Balance: XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX11 $400.00 (!) Last Reported XXXX  (!)\nAccount Type BS-9 Revolving High Credit BS-12 XXXX (!) Date Last Active\nBS-8\nXXXX (!)\nAccount Type\nDetail\nCredit Card Balance BS-21 $0.00 Date of Last\nPayment BS-27\nXXXX (!)\nAccount Status\nBS-17A\nOpen Past Due BS-22 $0.00 Date Opened BS\u000210\n03/05/2019 (!)\nBureau Code Individual Monthly Payment\nBS-15\n$0.00 7 Year History 30: 5 60: 3 90:1 (!)\nPayment Status\nBS-17B\nCurrent No. of Months\n(terms) BS-13\n0\nComments BS-19 Account previously in dispute - now resolved by data furnisher , Credit card ,\nUnder 15 USC 1666b, this late payment entry is a violation. I have been incorrectly billed. - Please update the\nstatus of this account to \"paid on time.\"\nKindly be apprised that the referenced XXXX XXXX linked to XXXX, upon meticulous review,\nseems to exhibit one or more variances from the obligatory stipulations governing ethical and lawful\ndeclaration of the aforementioned claim. In accordance with CDIA guidelines, any modification to the\nestablished norm raises plausible inquiries regarding the credibility of the stated data. Observable cues raise\nsuspicions of plausible inconsistencies in adherence to the mandated and verifiably sanctioned Metro 2\nformat Standard(s) for reporting.\nI respectfully request the immediate removal of any derogatory accounts from my consumer credit reports,\nspecifically those lacking proven validity, compliance with reporting standards, or stemming from fraudulent\ninquiries. This action is in accordance with the obligations outlined in state and federal reporting laws,\nparticularly the Fair Credit Reporting Act, and it should transpire within the mandated 30-day investigation\nperiod. I eagerly anticipate your return to lawful, accurate, complete, and timely reporting, as well as the\nprompt elimination of the aforementioned accounts from my updated credit report.\n1 of 2\nKindly dispatch your written reply to my location at XXXX XXXX XXXX XXXX XXXX New Jersey, XXXX.\nThis letter is to notify you that I have been made aware of your illegal practice of sending form letters in\nresponse to disputes and challenges from consumers, regardless of the information they have provided. This\nact is in violation of 15 U.S. Code 5 1681i, which mandates that every dispute and challenge should be dealt\nwith independently and based on its own merits. The letters I sent were generated using software that is\navailable to the public. If you fail to process my letters, it is a breach of my consumer rights. I consider this an\nintentional disregard of my rights, and I will seek legal action by contacting my lawyer.\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey, XXXX\n2 of 2","date_sent_to_company":"2025-02-25T19:56:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"075XX","tags":null,"has_narrative":true,"complaint_id":"12125904","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-19T02:25:14.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Observable</em> cues raise\nsuspicions of plausible inconsistencies in adherence to the mandated and verifiably sanctioned Metro 2\nformat Standard(s) for reporting.\nI respectfully request the immediate removal of any derogatory accounts from my consumer credit reports,\nspecifically those lacking proven validity, compliance with reporting standards, or stemming from fraudulent\ninquiries."]},"sort":[5.7417145,"12125904"]},{"_index":"complaint-public-v1","_id":"11088810","_score":5.499979,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Violation of FCRA and Request for Compensation Dear Equifax Consumer Services, I am writing to formally lodge a complaint regarding a series of violations of the Fair Credit Reporting Act ( FCRA ) related to your management of my credit file. I have experienced multiple unauthorized manipulations of my credit record, leading to unjust consequences, specifically the unauthorized removal and subsequent reinsertion of a collection statement associated with the trade line for XXXX XXXX. This action has caused me to suffer a loss of XXXX points on my credit score for the fourth time, which is both unacceptable and illegal under FCRA provisions. \n\nDespite your asserting that the collection statement has been removed, I must emphasize that it has never actually been removed from my credit file. The only observable change that has occurred is a detrimental fluctuation in my credit score. This demonstrates a troubling pattern where Equifax has manipulated my credit rating without making any substantial changes to the information in my credit file. Such practices not only contravene FCRA regulations but also create confusion and distress for consumers like myself. \n\nFurthermore, I wish to point out a troubling inconsistency in how Equifax processes changes to my credit file. While unauthorized changes that negatively impact my score are reported with alarming expediency, the same promptness is not observed for necessary corrections regarding my personal name and address. Additionally, the fraudulent entry for XXXX XXXX XXXX still appears on my report without the required verification, method of verification, or legal grounds to report their subsidiary alleged account with me as their own. This is particularly concerning given that this subsidiary was previously removed from my file, and their continued reinsertion without proper justification is a gross violation of my rights under the FCRA. \n\nAs per FCRA mandates, all credit reporting agencies are required to conduct a thorough investigation when a consumer disputes any information found in their credit report. Upon my previous disputes, I have yet to receive adequate verification of the debt nor an appropriate method of verification regarding the collection statements linked to XXXX XXXX. This lack of compliance not only represents a failure to act in accordance with the FCRA but also demonstrates a pattern of negligence that has caused ongoing harm to my creditworthiness. \n\nSpecifically, I would like to highlight the following infringements of my rights under the FCRA : XXXX. Unauthorized manipulation of my credit file by removing and then reinserting a collection statement while the matter was under dispute. \nXXXX. Failure to conduct a reasonable investigation and provide the necessary verification of the disputed account as mandated by the FCRA. \nXXXX. The continued reporting of potentially damaging information on my credit file, despite assurances of removal, resulting in repeated loss of credit score points without any justifiable basis. \nXXXX. The failure to expediently rectify inaccuracies in my personal information and the wrongful reporting of fraudulent accounts by XXXX XXXX XXXX despite the lack of verification. \n\nXXXX. The account XXXX XXXX XXXX is also being reported a 5 months, XXXX. When other reports reflect it as open XXXX ; and been closed since XXXX. \n\nGiven the repeated nature of these violationsfour occurrences in totalI am demanding compensatory damages in the amount of {$25000.00}. This demand is calculated at {$1000.00} per violation, multiplied by the length of time Equifax has continued this misconduct. The cumulative effect of these violations extends beyond mere credit score impacts ; they have caused significant distress and have adversely affected my financial opportunities. \n\nPlease consider this letter as a formal demand for immediate action. I expect a thorough examination of my complaints and a prompt response that includes the verification I have requested, along with a clear explanation of the corrective measures Equifax will undertake to rectify this situation. Furthermore, I request a written response within 30 days of receiving this letter. \n\nIf I do not receive a satisfactory resolution, I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal counsel to protect my rights. \n\nThank you for your prompt attention to this matter. I look forward to your immediate response. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-12-09T16:47:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"11088810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-09T16:46:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The only <em>observable</em> change that has occurred is a detrimental fluctuation in my credit score. This demonstrates a troubling pattern where Equifax has manipulated my credit rating without making any substantial changes to the information in my credit file. Such practices not only contravene FCRA regulations but also create confusion and distress for consumers like myself. \n\nFurthermore, I wish to point out a troubling inconsistency in how Equifax processes changes to my credit file."]},"sort":[5.499979,"11088810"]},{"_index":"complaint-public-v1","_id":"11087446","_score":5.499979,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"[ XXXXXXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint Regarding Violation of FCRA and Request for Compensation Dear Equifax Consumer Services, I am writing to formally lodge a complaint regarding a series of violations of the Fair Credit Reporting Act ( FCRA ) related to your management of my credit file. I have experienced multiple unauthorized manipulations of my credit record, leading to unjust consequences, specifically the unauthorized removal and subsequent reinsertion of a collection statement associated with the trade line for XXXX XXXX. This action has caused me to suffer a loss of XXXX points on my credit score for the fourth time, which is both unacceptable and illegal under FCRA provisions. \n\nDespite your asserting that the collection statement has been removed, I must emphasize that it has never actually been removed from my credit file. The only observable change that has occurred is a detrimental fluctuation in my credit score. This demonstrates a troubling pattern where Equifax has manipulated my credit rating without making any substantial changes to the information in my credit file. Such practices not only contravene FCRA regulations but also create confusion and distress for consumers like myself. \n\nFurthermore, I wish to point out a troubling inconsistency in how Equifax processes changes to my credit file. While unauthorized changes that negatively impact my score are reported with alarming expediency, the same promptness is not observed for necessary corrections regarding my personal name and address. Additionally, the fraudulent entry for XXXX XXXX XXXX still appears on my report without the required verification, method of verification, or legal grounds to report their subsidiary alleged account with me as their own. This is particularly concerning given that this subsidiary was previously removed from my file, and their continued reinsertion without proper justification is a gross violation of my rights under the FCRA. \n\nAs per FCRA mandates, all credit reporting agencies are required to conduct a thorough investigation when a consumer disputes any information found in their credit report. Upon my previous disputes, I have yet to receive adequate verification of the debt nor an appropriate method of verification regarding the collection statements linked to XXXX XXXX. This lack of compliance not only represents a failure to act in accordance with the FCRA but also demonstrates a pattern of negligence that has caused ongoing harm to my creditworthiness. \n\nSpecifically, I would like to highlight the following infringements of my rights under the FCRA : 1. Unauthorized manipulation of my credit file by removing and then reinserting a collection statement while the matter was under dispute.\n\n2. Failure to conduct a reasonable investigation and provide the necessary verification of the disputed account as mandated by the FCRA.\n\n3. The continued reporting of potentially damaging information on my credit file, despite assurances of removal, resulting in repeated loss of credit score points without any justifiable basis.\n\n4. The failure to expediently rectify inaccuracies in my personal information and the wrongful reporting of fraudulent accounts by XXXX XXXX XXXX despite the lack of verification. \n\nXXXX. The account XXXX XXXX information is also being reported a 5 months, 6days. When other reports reflect it as open 1yr ; and been closed since XXXX. \n\nGiven the repeated nature of these violationsfour occurrences in totalI am demanding compensatory damages in the amount of {$25000.00}. This demand is calculated at {$1000.00} per violation, multiplied by the length of time Equifax has continued this misconduct. The cumulative effect of these violations extends beyond mere credit score impacts ; they have caused significant distress and have adversely affected my financial opportunities. \n\nPlease consider this letter as a formal demand for immediate action. I expect a thorough examination of my complaints and a prompt response that includes the verification I have requested, along with a clear explanation of the corrective measures Equifax will undertake to rectify this situation. Furthermore, I request a written response within 30 days of receiving this letter. \n\nIf I do not receive a satisfactory resolution, I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal counsel to protect my rights. \n\nThank you for your prompt attention to this matter. I look forward to your immediate response. \n\nSincerely, [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX : XXXX ] XXXX","date_sent_to_company":"2024-12-09T16:46:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"11087446","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-09T16:15:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The only <em>observable</em> change that has occurred is a detrimental fluctuation in my credit score. This demonstrates a troubling pattern where Equifax has manipulated my credit rating without making any substantial changes to the information in my credit file. Such practices not only contravene FCRA regulations but also create confusion and distress for consumers like myself. \n\nFurthermore, I wish to point out a troubling inconsistency in how Equifax processes changes to my credit file."]},"sort":[5.499979,"11087446"]},{"_index":"complaint-public-v1","_id":"18433397","_score":5.351816,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX here it is. \nEverything. \nFully assembled. \nLegalbrief tone. \nXXXX. \nFactonly. \nStructured. \nWith the regulatory codes, the violations list, the findings of fact, the requested relief, and the closing escalation statement. \n\nThis is the complete XXXX  submission, written in the exact language that federal regulators, compliance officers, and enforcement attorneys respond to. \n\nYou can paste this directly into the CFPB complaint form. \n\n-- - FULL LEGALBRIEF SUBMISSION ( COMPLETE PACKAGE ) I. INTRODUCTORY STATEMENT This is not a duplicate complaint. \nThis filing addresses new violations and additional harm that occurred after my initial CFPB submission, including the institutions unauthorized reopening of my closed account, the undisclosed discrepancy in the original IRS deposit, and the subsequent depletion of funds during a period of restricted access. Let me be specific from the XXXX of XXXX. After My account was not indeed closed. Matter of fact was reopened without my consent and/or knowledge and/or request. I was logged out of my account.A total of XXXX times I believe. \n\nAll of these double charges through XXXX as individual transactions or transactions made not in sequence of the actual\\nMutually observable manner in which they were Executed. \n\nOn the XXXX of XXXX at approximately XXXX o'clock at night, my account was reinstated or accessible.I should say. \n\nI placed an order with XXXX and I made XXXX transfer to my husband 's account. \n\nXX/XX/XXXX. I attempted to make a purchase at XXXX XXXX XXXX And the card was declined not only that, I also received an email that it was no longer activated, and I ended up having to pay with the cash that I had pulled out earlier that day. Not only was I logged out of my account online.My card was in sequently inactivated. \n\nFirst account Block : block XXXX XXXX ( XXXX ) -Dec. XXXX ( XXXX ) central coast ( email card inactive ) ( email ) transaction alert confirmation traauncated and rejected by server not allowing me for RT alerts on my cell. \n\nXXXX Account XXXX : XX/XX/XXXX. ( XXXX ) -Dec XXXX. ( XXXX ) central coast XXXX Account XXXX : ( XX/XX/XXXX. ( XXXX ) XXXX ( XXXX ) XXXX Account XXXX : XXXX ( XXXX XX/XX/XXXX. XXXX am. ) email transaction alert XXXX XXXX At XXXX XXXX. \n\nYear XXXX dispute filed on {$11000.00} vanished in 18 days the month of XXXX. I was blocked from that account because I couldn't remember what I had put down as my favorite XXXX or the name of my pet and yet.\\n They still allowed deposits to be credited to the account while blocking me and denying me access. Just like they did again when I was able to access it on the day before, my birthday were asked to then they proceeded to lock me out of the account with every intention of keeping what does not belong to them. And closing the account only to reopen a month later, because anything was better than giving me the check with the full amount. \n\n-- - XXXX. FINDINGS OF FACT The account was originally funded with an IRS deposit of {$7600.00} on XX/XX/XXXX. \nWhen access was restored on XX/XX/XXXX, the balance was {$7400.00} already {$180.00} short of the original deposit, with no disclosure or explanation provided. \nThe account had been formally closed on XX/XX/XXXX. \nOn XX/XX/XXXX XXXX days after my CFPB complaint the institution reopened the closed account without my authorization, requiring an internal override. \nThis unauthorized reopening enabled additional debits, fees, and internal adjustments to post. \n\nI authorized {$5800.00} in legitimate transactions after XX/XX/XXXX. \nBased on these figures, the remaining balance should have been {$1600.00}. \nBy XX/XX/XXXX, the account had been reduced to {$0.00}. \nThe resulting unauthorized loss is {$1600.00}. \n\nUnauthorized debits and internal adjustments occurred during documented lockout periods when I had no access to authorize or monitor activity. \nThe institution rejected all alerts for XXXX months, including deposit, balance, fraud, and verification notifications. \nThe institution accepted deposits while blocking access to account information. \nMultiple household accounts were affected, including an account containing federally protected benefits. \n\nThe institutions conduct demonstrates systematic financial misconduct. \n\nXXXX XXXX XXXX. REGULATORY VIOLATIONS AND STATUTORY REFERENCES ( Onesentence bullets, legalbrief format, all bold ) Reopening a closed account without consumer authorization constitutes an unauthorized electronic fund access in violation of Regulation XXXX ( XXXX CFR XXXX ( m ) ; XXXX ). \n\nFailing to disclose the {$180.00} discrepancy between the original {$7600.00} IRS deposit and the {$7400.00} balance violates the disclosure and accuracy requirements of Regulation XXXX ( XXXX CFR XXXX ; XXXX ( a ) ( XXXX ) ). \n\nPosting transactions during documented lockout periods violates the consumerauthorization requirements of Regulation XXXX ( XXXX CFR XXXX ( a ) ; XXXX ( b ) ( XXXX ) ). \n\nRejecting all alerts for XXXX months violates electronic communication access requirements under ESign and Regulation XXXX ( XXXX CFR XXXX ( a ) ). \n\nAccepting deposits while blocking access to account information violates timely access requirements ( XXXX CFR XXXX ( d ) ). \n\nXXXX transfers exceeding daily limits without confirmation numbers violates internal control standards and constitutes unsafe or unsound banking practices under XXXX and FDIC supervisory guidance. \n\nPosting duplicate charges and ledger replay entries violates Regulation XXXX accuracy requirements and constitutes deceptive conduct under UDAAP ( XXXX USC XXXX ). \n\nPosting transfers not received by destination accounts violates errorresolution requirements ( XXXX CFR XXXX ( c ) ( XXXX ) ). \n\nReversing provisional credits without completing a valid investigation violates Regulation XXXX ( XXXX CFR XXXX ( c ) ( XXXX ) ( i ) ). \n\nOverdrafting an account containing federally protected benefits violates XXXX XXXX XXXX XXXX. \n\nManipulating multiple household accounts following a CFPB complaint constitutes prohibited retaliation under UDAAP ( XXXX USC XXXX ( a ) ( XXXX ) ( B ) ). \n\nProviding contradictory explanations regarding lockouts and transaction processing constitutes deceptive conduct under UDAAP ( XXXX USC XXXX ( a ) ). \n\nAllowing unauthorized debits to post after account closure violates Regulation XXXX ( XXXX CFR XXXX ( m ) ). \n\nFailing to provide required disclosures regarding account status and internal adjustments violates Regulation XXXX ( XXXX CFR XXXX ). \n\nMisrepresenting transaction details in the ledger violates Regulation XXXX accuracy requirements and constitutes deceptive conduct under UDAAP ( XXXX USC XXXX ). \n\nProcessing internal adjustments and fees during periods of no consumer access violates Regulation XXXX authorization requirements ( XXXX CFR XXXX ). \n\nFailing to provide timely access to account information violates Regulation XXXX ( XXXX CFR XXXX ; XXXX ). \n\nEngaging in adverse actions after a CFPB complaint constitutes prohibited retaliation under UDAAP ( XXXX USC XXXX ( a ) ( XXXX ) ( B ) ). \n\nFailing to maintain accurate records of consumer authorization violates Regulation XXXX recordkeeping requirements ( XXXX CFR XXXX ). \n\nAllowing unauthorized postclosure activity indicates internal control failures inconsistent with federal safety and soundness standards ( XXXX USC XXXX ). \n\nFailing to explain the missing {$1600.00} violates the institutions duty to investigate and resolve errors under Regulation XXXX ( XXXX CFR XXXX ( c ) ). \n\nBlocking access and rejecting alerts prevented identification of unauthorized activity, violating Regulation XXXX ( XXXX CFR XXXX ). \n\nFailing to safeguard consumer funds during extended nonnotification periods violates XXXX prohibition on unfair practices ( XXXX USC XXXX ( c ) ). \n\nThe totality of conduct constitutes systematic financial misconduct under federal consumer protection law. \n\n-- - XXXX. REQUESTED RELIEF Restitution for unauthorized loss : {$1600.00}. \nPunitive damages for systematic misconduct : {$2500.00}. \nTotal monetary relief requested : {$4100.00}. \n\n-- - V. CLOSING STATEMENT AND NOTICE OF FURTHER ACTION This filing is not a duplicate complaint ; it addresses new violations that occurred after my initial CFPB submission. \n\nI will be escalating this matter to the XXXX XXXX XXXX Comptroller of the Currency for XXXX review of the institutions internal controls, authorization practices, and postclosure account activity. \n\nI am also working with legal counsel at XXXX & XXXX and am preparing for potential XXXX action based on the documented violations of Regulation XXXX, UDAAP, federal benefit protections, and internal control standards. Due to the mutually observable fact of the series of criminal activity being done after complaints filed and civil discourse failed to implement. This company Continues to act in their own accordance with the law.Because there's no actual consequence for the individuals, pulling the strings. \nClock it. \n\nThe institutions decision to label my prior complaint as duplicative, despite new and ongoing violations, raises concerns regarding the adequacy of its compliance procedures and its willingness to remediate consumer harm. \n\nThe funds at issue do not belong to the institution ; they are consumer funds that were improperly accessed, manipulated, or removed through unauthorized activity and internal system actions. \n\nThe scale and nature of the misconduct including unauthorized account reopening, internal manipulation of transaction ledger.","date_sent_to_company":"2026-01-02T23:27:11.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"95060","tags":null,"has_narrative":true,"complaint_id":"18433397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2026-01-02T22:27:06.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Due to the mutually <em>observable</em> fact of the series of criminal activity being done after complaints filed and civil discourse failed to implement. 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