{"took":653,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4323,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10431901","_score":13.137142,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I tried to set-up online Social Security account but was unable to do so. Social Security checks their information against Experian. While both XXXX and XXXX reports do not show fraud associated with my account, Experian continues to indicate that is a problem so I can not get a credit report. I have sent validating information as requested to Experian on multiple occasions to including a driver 's license, an insurance bill, etc. they continue to indicate it is a problem. Additionally, I requested the source of the alleged fraud and have received nothing. They re-investigated 3 times and indicated my dispute is complete which it is not.","date_sent_to_company":"2024-10-12T22:57:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28209","tags":"Older American","has_narrative":true,"complaint_id":"10431901","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-12T22:33:46.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I tried to set-up online Social Security <em>account</em> but was unable to <em>do</em> so. Social Security checks their information against Experian. While both <em>XXXX</em> and <em>XXXX</em> reports <em>do</em> not show fraud <em>associated</em> with my <em>account</em>, Experian continues to indicate that is a <em>problem</em> so I can not get a credit report. I have sent validating information as requested to Experian on multiple occasions to including a driver 's license, an insurance bill, etc. they continue to indicate it is a <em>problem</em>."],"issue":["<em>Problem</em> with a company's investigation into an existing <em>problem</em>"]},"sort":[13.137142,"10431901"]},{"_index":"complaint-public-v1","_id":"5925915","_score":13.088794,"_source":{"product":"Debt collection","complaint_what_happened":"I have contacted Wakefield & Associates in XXXX and XXXX of XXXX. This company placed an invalid debt on my credit report reflecting the year XXXX. I explained to a representative at Wakefield on XX/XX/XXXX, that I do not owe any amount to XXXX XXXX XXXX as of XX/XX/XXXX. After speaking with a representative from XXXX XXXX XXXX, they sent an email to me with in a protected message, along with a statement showing a XXXX balance. I also filed a dispute through XXXX. Wakefield & Associates refuses to remove this invalid debt. The money is not owed which has been verified by XXXX XXXX XXXX. At this time, I am being harassed by Wakefield & Associates. After I filed my dispute with XXXX and uploaded the documentation, I was notified by XXXX that Wakefield & Associates provided a verification letter that the account is accurate. The verification by Wakefield is blatantly false. When I have called Wakefield, the representatives are inappropriate on the phone by saying to me, \" it's not my problem your problem. '' This statement is evidence that Wakefield has no intentions of removing this account and the invalid debt out of their office. I believe the company is also engaging in deceptive business practices by scamming Medicare and Medicaid beneficiaries, in which I have both benefits for my healthcare needs. Please assist me with this matter and inform Wakefield & Associates of the invalid debt, and inaccurate and unfair debt reporting to credit bureaus.","date_sent_to_company":"2022-08-30T04:03:35.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"80109","tags":null,"has_narrative":true,"complaint_id":"5925915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WAKEFIELD & ASSOCIATES, INC.","date_received":"2022-08-30T03:30:40.000Z","state":"CO","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Wakefield & <em>Associates</em> refuses to remove this invalid debt. The money is not owed which has been verified by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. At this time, I am being harassed by Wakefield & <em>Associates</em>. After I filed my dispute with <em>XXXX</em> and uploaded the documentation, I was notified by <em>XXXX</em> that Wakefield & <em>Associates</em> provided a verification letter that the <em>account</em> is accurate. The verification by Wakefield is blatantly false."],"company":["WAKEFIELD & <em>ASSOCIATES</em>, INC."]},"sort":[13.088794,"5925915"]},{"_index":"complaint-public-v1","_id":"5585412","_score":13.03352,"_source":{"product":"Debt collection","complaint_what_happened":"Lack of Response from Portfolio Recovery Associates LLC On XX/XX/XXXX I sent certified correspondence asking the above company to Authenticate the several debts they say I owe them. In the letters I requested Portfolio Recovery Associates LLC to fill out Affidavit of Authenticity on each account they sent me which the amounts are {$630.00}, {$720.00} and {$720.00}. Instead of Portfolio Recovery Associates LLC doing so. The company sent me a letter saying they validated those debts without Authenticating. \nWith identity theft at a all time high. Asking Portfolio Recovery Associates LLC to sign a Affidavit of Authenticity and have it Notarized should not be a problem if it were my debts. It is XX/XX/2022 and this company still have these debts on my credit files.","date_sent_to_company":"2022-05-20T21:03:00.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"29016","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5585412","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2022-05-20T19:47:50.000Z","state":"SC","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Lack of Response from Portfolio Recovery <em>Associates</em> LLC On XX/XX/<em>XXXX</em> I sent certified correspondence asking the above company to Authenticate the several debts they say I owe them. In the letters I requested Portfolio Recovery <em>Associates</em> LLC to fill out Affidavit of Authenticity on each <em>account</em> they sent me which the amounts are {$630.00}, {$720.00} and {$720.00}. Instead of Portfolio Recovery <em>Associates</em> LLC <em>doing</em> so."],"company":["Portfolio Recovery <em>Associates</em>, LLC"],"sub_product":["I <em>do</em> not know"]},"sort":[13.03352,"5585412"]},{"_index":"complaint-public-v1","_id":"4363273","_score":12.977342,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. \nThey just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. \nI never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity. \nIF PayPal just hold money for everybody, I Guess PayPal must fix the problem. \n\nmy account is associate with the email XXXX XXXX","date_sent_to_company":"2021-05-09T21:04:13.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"44224","tags":null,"has_narrative":true,"complaint_id":"4363273","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2021-05-09T20:58:08.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>do</em> not know what the <em>problem</em> with PayPal is, but many Users have same <em>problem</em>, and the only answer of PayPal is said was Fraud activity. \nIF PayPal just hold money for everybody, I Guess PayPal must fix the <em>problem</em>. \n\nmy <em>account</em> is <em>associate</em> with the email <em>XXXX</em> <em>XXXX</em>"],"issue":["Managing, opening, or closing your mobile wallet <em>account</em>"]},"sort":[12.977342,"4363273"]},{"_index":"complaint-public-v1","_id":"3036949","_score":12.941495,"_source":{"product":"Debt collection","complaint_what_happened":"To whom it may concern : On XX/XX/2018 I discovered an account for the amount of {$9900.00} that was reported on my XXXX  credit report in error. \n\nI then contacted and disputed the problem. I fully explained the situation and have been frustrated by their failure to correct the problem and remove the inaccurate information from my credit report. \n\nThe company has provided me with documentation that does not pertain to me, is for a XXXX XXXX and a XXXX XXXX that live in XXXX XXXX, I never lived there nor am I associated with these individuals. \n\nThe problem has prevented me from obtaining a debt consolidation loan, and has created financial hardship up on me. \n\nPlease register my complaint and contact me. \n\n\nThank you,","date_sent_to_company":"2018-10-04T00:14:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"917XX","tags":null,"has_narrative":true,"complaint_id":"3036949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Monterey Financial Services LLC","date_received":"2018-10-03T23:38:37.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The company has provided me with documentation that <em>does</em> not pertain to me, is for a <em>XXXX</em> <em>XXXX</em> and a <em>XXXX</em> <em>XXXX</em> that live in <em>XXXX</em> <em>XXXX</em>, I never lived there nor am I <em>associated</em> with these individuals. \n\nThe <em>problem</em> has prevented me from obtaining a debt consolidation loan, and has created financial hardship up on me. \n\nPlease register my complaint and contact me. \n\n\nThank you,"],"sub_product":["I <em>do</em> not know"]},"sort":[12.941495,"3036949"]},{"_index":"complaint-public-v1","_id":"7172143","_score":12.913272,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have had a credit card with Citibank for 6 years. My account is in good standing. The problem is with my online account. I have difficulty logging in, and then when I do login, my online information will not properly display - I can not see my transactions. This started on XX/XX/2023. I have discussed this with Customer Service and the Citi Technical Support ; their ticket number is XXXXXXXX XXXX XXXX. We have tried every suggestion they made, but the problem persists. I have sent almost daily reports to them about the problem, and provided screen shots showing the issue, but Tech Support has never responded. I never get any reports from Citi Tech Support on the status of the ticket. I was told that since very few people have reported a similar problem, they do not prioritize this problem for repair. I have no estime on timing for repair. I want my access fixed so that the online service performs as promised by Citi when I got the card. By not fixing the problem, they are withholding services that were promised to me and are associated with the credit card product.","date_sent_to_company":"2023-06-27T16:12:23.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"92677","tags":"Servicemember","has_narrative":true,"complaint_id":"7172143","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-06-27T15:52:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["My <em>account</em> is in good standing. The <em>problem</em> is with my online <em>account</em>. I have difficulty logging in, and then when I <em>do</em> login, my online information will not properly display - I can not see my transactions. This started on <em>XX/XX</em>/2023. I have discussed this with Customer Service and the Citi Technical Support ; their ticket number is XXXXXXXX <em>XXXX</em> <em>XXXX</em>. We have tried every suggestion they made, but the <em>problem</em> persists."],"issue":["Other features, terms, or <em>problems</em>"],"sub_issue":["Other <em>problem</em>"]},"sort":[12.913272,"7172143"]},{"_index":"complaint-public-v1","_id":"13608170","_score":12.809179,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/XXXX, I created an XXXX account. After doing so, I clicked on the advertisement to get an XXXX XXXX XXXX XXXX from XXXX, which was supposed to provide XXXX rewards through purchases on the card that my wife could use since she shops a lot at XXXX. \n\nKey point, I clicked the link from my XXXX account, which took me to the XXXX website to apply for the card, which I did. I was approved and received the card within a few weeks. \n\nOver the next XXXX months, my wife and I spent well over {$12000.00} on the card and made our payments on a regular basis. \n\nHowever, in XXXX of XXXX when we went to use all the rewards we felt we had been earning, my XXXX account showed nothing. \n\nAfter calling Comenity and XXXX at least XXXX XXXX over the period of a few days, each of them claiming it was the other company 's problem to fix, I finally got ahold of someone at XXXX that realized the problem was that my XXXX account number was never associated with my XXXX XXXX XXXX from XXXX. \n\nIt took several more days for them to go through back channels and have XXXX reissue a new card with my XXXX account number associated with it. \n\nWhen I asked about all the rewards I did not get, XXXX claimed they couldn't do anything about it, they depended on XXXX to tell them how much a member was spending in order for them to award the points. \n\nXXXX claimed it wasn't their problem because they do not give out the rewards. \n\nIt's my assertion that XXXX should never have issued the credit card knowing it was not associated with an XXXX account, and therefore was not earning the rewards that the card was specifically meant to provide. \n\nI've done a simple look at the rewards program. Given that the rewards multiplied the more you spent, and given that there were frequent gifts on upper tiers that we would have been in, I have estimated the loss in rewards to be at least {$2000.00}, and likely more.","date_sent_to_company":"2025-05-21T00:24:14.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"23188","tags":null,"has_narrative":true,"complaint_id":"13608170","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-05-21T00:04:40.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["After calling Comenity and <em>XXXX</em> at least <em>XXXX</em> <em>XXXX</em> over the period of a few days, each of them claiming it was the other company 's <em>problem</em> to fix, I finally got ahold of someone at <em>XXXX</em> that realized the <em>problem</em> was that my <em>XXXX</em> <em>account</em> number was never <em>associated</em> with my <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> from <em>XXXX</em>. \n\nIt took several more days for them to go through back channels and have <em>XXXX</em> reissue a new card with my <em>XXXX</em> <em>account</em> number <em>associated</em> with it."],"issue":["Other features, terms, or <em>problems</em>"],"sub_issue":["<em>Problem</em> with rewards from credit card"]},"sort":[12.809179,"13608170"]},{"_index":"complaint-public-v1","_id":"18001935","_score":12.668909,"_source":{"product":"Credit card","complaint_what_happened":"I like to ask you for a big favor to help me to resolve this problem with TJ Maxx card I had the issue going back-and-forth with them since XX/XX/year>. The problem started that I ordered a product in XXXX XX/XX/year> and received the product didnt like it to get to the store for credit for return Upon receiving a receipt of the credit issued by a associate returning back home I checked the account my bank was charged again the same amount so they issue credit and then they recharged me again. The same amount I called them several times disputed the issue. They seem not been able resolve this problem Im asking you begging you to help me with this because they sure are not helping me with this problem. Every time I call them they hang up. They tell me they will work on it but theyre not helping me the amount is. The amount is {$530.00} and XXXX XXXXXXXX Please help me to get this back. I do have the supporting receipt showing that the product was returned to the store and credit shouldve been issued, but for some reason either by the mistake of the associate or someone at the store or the bank, they did recharge the same amount into my card. Im asking you please help me to get this money back because they are not helping me at all.","date_sent_to_company":"2025-12-04T08:33:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"913XX","tags":null,"has_narrative":true,"complaint_id":"18001935","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-12-04T08:23:30.000Z","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":["I like to ask you for a big favor to help me to resolve this <em>problem</em> with TJ Maxx card I had the issue going back-and-forth with them since XX/XX/year>. The <em>problem</em> started that I ordered a product in <em>XXXX</em> XX/XX/year> and received the product didnt like it to get to the store for credit for return Upon receiving a receipt of the credit issued by a <em>associate</em> returning back home I checked the <em>account</em> my bank was charged again the same amount so they issue credit and then they recharged me again."],"issue":["<em>Problem</em> with a purchase shown on your statement"]},"sort":[12.668909,"18001935"]},{"_index":"complaint-public-v1","_id":"1446780","_score":12.654213,"_source":{"product":"Credit card","complaint_what_happened":"A complaint was filed with Wells Fargo regarding my daughter being associated with a credit card. Wells Fargo sent a letter to my daughter informing her of the deletion of the account and it being removed from her Credit File. I just recently discovered that during this process Wells Fargo changed the account number and then associated my name with my daughter 's Social Security Number. Also the letter referenced above and attached states remove the account ending in XXXX but my daughter and the credit bureau did not receive a letter to remove the newly created account number. The account that belongs to me was removed from my credit file and remained on my daughter 's credit file. This is causing a major problem because she was in the process of applying for a mortgage. So I am dealing with Wells Fargo associating my name with my daughter 's Social Security Number and I am getting pushed around from department to department, customer service reps in call centers that just read notes. Switching Social Security numbers is a serious issue that is now affecting us both. I am asking for Wells Fargo to first correct the social security number problem that was created by them ; get the account back in my social security number and have the credit bureau remove my daughter 's name from everything associated with this account which is what Wells Fargo said they would do.","date_sent_to_company":"2015-07-01T13:41:09.000Z","issue":"Other","sub_product":null,"zip_code":"21133","tags":null,"has_narrative":true,"complaint_id":"1446780","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2015-07-01T13:41:08.000Z","state":"MD","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am asking for Wells Fargo to first correct the social security number <em>problem</em> that was created by them ; get the <em>account</em> back in my social security number and have the credit bureau remove my daughter 's name from everything <em>associated</em> with this <em>account</em> which is what Wells Fargo said they would <em>do</em>."]},"sort":[12.654213,"1446780"]},{"_index":"complaint-public-v1","_id":"3048218","_score":12.615778,"_source":{"product":"Debt collection","complaint_what_happened":"Capital One has been calling and I do not have an account with them. I called and talked to Rep. XXXX today ( XX/XX/XXXX-18 ). I explained that I Do Not have an account with them. I suggested that information associated with my phone number could be the problem. Someone has been calling my number for quit some time now, and it is very annoying. They are calling with \" Out of Area ''  numbers. When I answer, the caller hangs up.","date_sent_to_company":"2018-10-22T17:25:56.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"38111","tags":null,"has_narrative":true,"complaint_id":"3048218","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-10-16T22:51:46.000Z","state":"TN","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["Capital One has been calling and I <em>do</em> not have an <em>account</em> with them. I called and talked to Rep. <em>XXXX</em> today ( XX/XX/<em>XXXX</em>-18 ). I explained that I <em>Do</em> Not have an <em>account</em> with them. I suggested that information <em>associated</em> with my phone number could be the <em>problem</em>. Someone has been calling my number for quit some time now, and it is very annoying. They are calling with \" Out of Area ''  numbers. When I answer, the caller hangs up."]},"sort":[12.615778,"3048218"]},{"_index":"complaint-public-v1","_id":"4380783","_score":12.603391,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"my case is really important. \ni have my paypal account without any transaction and paypal close without reason. \nwhy they close my account if i do not have any transaction activity or dispute. \nI mean this is really crazy. \n\nI think paypal made a mistake with my account. \n\ni would like paypal fix the problem and their system. \nmy email associate with my paypal account is XXXX. \n\nXXXX","date_sent_to_company":"2021-05-16T09:44:00.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"89012","tags":null,"has_narrative":true,"complaint_id":"4380783","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2021-05-16T09:36:52.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["i have my paypal <em>account</em> without any transaction and paypal close without reason. \nwhy they close my <em>account</em> if i <em>do</em> not have any transaction activity or dispute. \nI mean this is really crazy. \n\nI think paypal made a mistake with my <em>account</em>. \n\ni would like paypal fix the <em>problem</em> and their system. \nmy email <em>associate</em> with my paypal <em>account</em> is <em>XXXX</em>. \n\n<em>XXXX</em>"],"issue":["Managing, opening, or closing your mobile wallet <em>account</em>"]},"sort":[12.603391,"4380783"]},{"_index":"complaint-public-v1","_id":"5688696","_score":12.588154,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I called Amazon today. This was the 3rd time. Customer service clearly said it is a problem with their \" system '', and that I needed to talk to the department that changes mobile phone information in its system. Amazon had an old mobile phone number that did not allow me to purchase, log in, close account or do anything with my account. Now the Amazon credit card associated with the account does not work. \n\nFinally, XXXX in the Change Phone Number department, said she can not help me. That she can not change the mobile number not close the account. However I stated that you realize there is an App account associated with a bad account and that it needs to be deleted? She said there is nothing she can do. Then I asked her to close my account as I feel it is a security issue. She said she can not do that. \n\nIn conclusion XXXX suggested I contact XXXX XXXX the owner of Amazon. I find this highly abnormal for a company to suggest. \n\nPlease help.","date_sent_to_company":"2022-06-20T21:58:58.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"07016","tags":"Older American","has_narrative":true,"complaint_id":"5688696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-06-20T21:26:59.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Customer service clearly said it is a <em>problem</em> with their \" system '', and that I needed to talk to the department that changes mobile phone information in its system. Amazon had an old mobile phone number that did not allow me to purchase, log in, close <em>account</em> or <em>do</em> anything with my <em>account</em>. Now the Amazon credit card <em>associated</em> with the <em>account</em> <em>does</em> not work. \n\nFinally, <em>XXXX</em> in the Change Phone Number department, said she can not help me."],"issue":["Closing your <em>account</em>"],"sub_issue":["Can't close your <em>account</em>"]},"sort":[12.588154,"5688696"]},{"_index":"complaint-public-v1","_id":"8254775","_score":12.581405,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/year>, I received an email from Affirm ( www.affirm.com ) stating that an account was created using my email address, for a person named \" XXXX ''. I do not know who XXXX is. I did not verify such account creation with my email address, and did not ever and do not now consent to doing business with Affirm. Affirm did not take appropriate steps to verify that my email address was associated with the correct person. Since Affirm does not know their customer, I am concerned that this increases the probability of fraud. \n\nDespite multiple tries navigating Affirm 's website and calling their toll-free number, I am unable to find a way to communicate this to Affirm so that my email address can be removed from their system. Every avenue I could find leads, at best, to a form that does not address this problem. Affirm does not provide a way that could be reasonably used to rectify this problem.","date_sent_to_company":"2024-01-30T22:40:32.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"8254775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2024-01-30T22:28:52.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/year>, I received an email from Affirm ( www.affirm.com ) stating that an <em>account</em> was created using my email address, for a person named \" <em>XXXX</em> ''. I <em>do</em> not know who <em>XXXX</em> is. I did not verify such <em>account</em> creation with my email address, and did not ever and <em>do</em> not now consent to <em>doing</em> business with Affirm. Affirm did not take appropriate steps to verify that my email address was <em>associated</em> with the correct person."]},"sort":[12.581405,"8254775"]},{"_index":"complaint-public-v1","_id":"15118819","_score":12.407224,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"For several months now, I have had a problem accessing my Equifax account. I have called several times over the last couple of months on this problem and all the Equifax Associate does is go through their script to resolve my issue. This does not work and the message Equifax gives me after attempting to log on is to call them. XXXX weeks ago I finally had them open a trouble ticket ( XXXX ). I never here from them on my issue and have to call them. They tell me the ticket is in their XXXX XXXX XXXX and thats all the info I am given. I am purchasing a new home and Equifax on the call will unfreeze my credit report and freeze on the date I give them. But I want to log on and see the activity on my report with them. This very frustrating on not being able to access my account. Thank you.","date_sent_to_company":"2025-08-06T21:10:05.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"27518","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"15118819","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-06T20:58:58.000Z","state":"NC","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["For several months now, I have had a <em>problem</em> accessing my Equifax <em>account</em>. I have called several times over the last couple of months on this <em>problem</em> and all the Equifax <em>Associate</em> <em>does</em> is go through their script to resolve my issue. This <em>does</em> not work and the message Equifax gives me after attempting to log on is to call them. <em>XXXX</em> weeks ago I finally had them open a trouble ticket ( <em>XXXX</em> ). I never here from them on my issue and have to call them."],"sub_issue":["Other <em>problem</em> getting your report or credit score"]},"sort":[12.407224,"15118819"]},{"_index":"complaint-public-v1","_id":"3289540","_score":12.377799,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My billing statement shows ( 2 ) Transactions for {$1000.00} each on XX/XX/19 along with numerous fees however, on XX/XX/XXXX we were in XXXX ( my associate and I ), I have the flight times and numbers from XXXX so there would be no way we could make this purchase. I know I personally did not make either charge and I asked my associate who advised he did not make the charge either. When going online to Report a Problem it does not give this option for some reason. I have never had an issue with any of my accounts I honestly can not believe this has happened.","date_sent_to_company":"2019-06-27T20:56:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"55432","tags":null,"has_narrative":true,"complaint_id":"3289540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-06-27T20:35:39.000Z","state":"MN","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["My billing statement shows ( 2 ) Transactions for {$1000.00} each on <em>XX/XX</em>/19 along with numerous fees however, on XX/XX/<em>XXXX</em> we were in <em>XXXX</em> ( my <em>associate</em> and I ), I have the flight times and numbers from <em>XXXX</em> so there would be no way we could make this purchase. I know I personally did not make either charge and I asked my <em>associate</em> who advised he did not make the charge either. When going online to Report a <em>Problem</em> it <em>does</em> not give this option for some reason."],"issue":["<em>Problem</em> with a purchase shown on your statement"]},"sort":[12.377799,"3289540"]},{"_index":"complaint-public-v1","_id":"7131183","_score":12.35075,"_source":{"product":"Debt collection","complaint_what_happened":"My name is XXXX XXXXI had a problem obtaining credit and I checked my credit report and notice that i had XXXX debt collection accounts that wasn't mines, these XXXX accounts is the reason i keep getting denied Experian have no proof nor do they have on file my written consent for this to be reporting or thst this debt is associated with me. I will just like for the cfpb to resolve this fraud issue Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-06-17T23:18:17.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"35235","tags":null,"has_narrative":true,"complaint_id":"7131183","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-17T23:01:15.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["My name is <em>XXXX</em> XXXXI had a <em>problem</em> obtaining credit and I checked my credit report and notice that i had <em>XXXX</em> debt collection <em>accounts</em> that wasn't mines, these <em>XXXX</em> <em>accounts</em> is the reason i keep getting denied Experian have no proof nor <em>do</em> they have on file my written consent for this to be reporting or thst this debt is <em>associated</em> with me. I will just like for the cfpb to resolve this fraud issue <em>Accounts</em> ; <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"],"sub_product":["I <em>do</em> not know"]},"sort":[12.35075,"7131183"]},{"_index":"complaint-public-v1","_id":"4800517","_score":12.30307,"_source":{"product":"Checking or savings account","complaint_what_happened":"Institution offfering banking services : SQUARE INC C/O SQUARE BANKING The problem is this company has offered me banking services, which include a checking and savings account. I make use of the checking account services offered by SQUARE. On XX/XX/ I requested standard monthly banking statement including the following first and last name, the account number associated with the checking account. \n\nIt was explained to be by the SQUARE Representative that the company does not provide such documentation. Considering I pay a banking fees associated with the service, it is not clear to me why SQUARE INC. would not be able to provide consumers with documented proof of being a legitimate checking account holder. \n\nNot having a bank statement has put a halt on my ability to conduct other business in other areas. \n\nPlease help.","date_sent_to_company":"2021-10-12T12:52:14.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"207XX","tags":null,"has_narrative":true,"complaint_id":"4800517","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2021-10-12T12:25:02.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Institution offfering banking services : SQUARE INC C/O SQUARE BANKING The <em>problem</em> is this company has offered me banking services, which include a checking and savings <em>account</em>. I make use of the checking <em>account</em> services offered by SQUARE. On <em>XX/XX</em>/ I requested standard monthly banking statement including the following first and last name, the <em>account</em> number <em>associated</em> with the checking <em>account</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["<em>Problem</em> accessing <em>account</em>"]},"sort":[12.30307,"4800517"]},{"_index":"complaint-public-v1","_id":"1779891","_score":12.28663,"_source":{"product":"Bank account or service","complaint_what_happened":"I have been having a lot of problems with Chase bank employees, inconsistent practices and advice. On XXXX, XXXX charged me for a XXXX membership when I was trying to rent a movie. The charge was XXXX. I immediately called XXXX and was told that it would take 14 business days. I could n't afford that. It was right after XXXX. I made purchases on XXXX using my XXXX account so there were several different debit transactions that were all done separately. I had enough trouble keeping track of that. Not knowing what else to do, I called Chase to tell them what happened and how XXXX said they could n't refund for 14 business days. The associate told me that I had to file a claim. I explained to both associates, the one that answered the phone and the one that opened the claim, I did call XXXX and they said it would take 14 business days. They filed the claim and told me they would issue a temporary credit until they could retrieve the funds from the merchant. \nAt the time this was going on, my father in law was in the hospital. He XXXX on XXXX XXXX. I was not looking at my bank account the few days before his death. As I said, I called Chase with a problem and that 's how it was handled. Fast forward to today, XXXX XXXX. I get up for work and my bank account is in the negative. There was a credit reversal. I called and found out that XXXX refunded the money on the XXXX and Chase added the credit on XXXX two days after I called. They said they sent me an email telling me that they would be taking the funds back. I did n't get the email. I have had problems with my email account since this year someone filed a fraudulent tax refund under my social security number. I have had many problems with my gmail account and believe that may have compromised as well. Either way, I did n't see the email so this was a complete surprise. Chase however, said that it was my responsibility to monitor my account and see that they had credited me after the refund. I was also told that I should NOT have filed a claim since that is only done in cases of fraud. I explained that I was n't the one that made that decision. I called and told them what happened and that it was Chase employees that decided what to do. How is that my fault? I asked them about overdraft fees after this, since there was an error and they said I would be responsible. I spoke to fraud after that to go over the situation and was told by that associate there is an annual limit on overdraft fees that the bank can charge. I was not aware of this. She transferred me back to the general customer service number. That associate told me she is n't sure why I was told that but that overdraft fees are not capped and they can charge up to 5 per day. She advised me to go to the branch and freeze my account. I called again as I was on the way and was told that I could not do this since it was n't due to fraud. I asked for a supervisor immediately. This was n't the first time I had received conflicting information. The supervisor told me I COULD actually freeze the account which would avoid any overdraft fees. So I turned around and went back. Now, because of the fee reversal and my negative account I could n't put gas in my car and the light had come on. When I arrived at the branch, the associate told me that you could NOT freeze an account unless it was because of fraud. \nI could n't believe that a supervisor told me I could do something that I could not and how poorly trained Chase associates truly are. I have paid hundreds of dollars in overdraft fees and I 'm sure I 'll end up paying more. They are taking advantage of the fact that I 'm in a very tough financial situation and profiting from it.","date_sent_to_company":"2016-02-10T00:16:05.000Z","issue":"Problems caused by my funds being low","sub_product":"Checking account","zip_code":"12590","tags":null,"has_narrative":true,"complaint_id":"1779891","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-02-10T00:16:04.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["He <em>XXXX</em> on <em>XXXX</em> <em>XXXX</em>. I was not looking at my bank <em>account</em> the few days before his death. As I said, I called Chase with a <em>problem</em> and that 's how it was handled. Fast forward to today, <em>XXXX</em> <em>XXXX</em>. I get up for work and my bank <em>account</em> is in the negative. There was a credit reversal. I called and found out that <em>XXXX</em> refunded the money on the <em>XXXX</em> and Chase added the credit on <em>XXXX</em> two days after I called. They said they sent me an email telling me that they would be taking the funds back."],"product":["Bank <em>account</em> or service"],"issue":["<em>Problems</em> caused by my funds being low"],"sub_product":["Checking <em>account</em>"]},"sort":[12.28663,"1779891"]},{"_index":"complaint-public-v1","_id":"3722042","_score":12.27304,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have called and discussed over 2 hours with an associate and XXXX XXXX? that I suffered extreme trauma over the time that I have had this card. I thought the bill was on full autopay I normally do and it was accidentally on miimum amount due. I have been advised by my doctor that I have a XXXX that was directly affecting my ability to handle these functions. due to being forced to work in a different state and extreme harassment and trauma at my work I did not see these bills. Business revenues dropped due to unanticipated problems as well. PURCHASES ARE ALREADY PAID IN FULL. Request - all fees and interest to beginning of account removed as problems began around that time.","date_sent_to_company":"2020-06-30T06:09:00.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3722042","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-06-30T01:55:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["Business revenues dropped due to unanticipated <em>problems</em> as well. PURCHASES ARE ALREADY PAID IN FULL. Request - all fees and interest to beginning of <em>account</em> removed as <em>problems</em> began around that time."],"sub_issue":["<em>Problem</em> with fees"]},"sort":[12.27304,"3722042"]},{"_index":"complaint-public-v1","_id":"2718210","_score":12.24309,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have being paying a 3rd party company that is associated with XXXX. They have a total of 5 payments from me. I have talked to the main company XXXX ( XXXX ) and they do n't recognize or see 2 of the payments that I have sent ( XXXX XXXX, XXXX in the amount of {$120.00} and XXXX XXXX, XXXX in the amount of {$180.00} ). On my credit score it still shows that I have missed/late payments from XXXX. I have talked with the 3rd party company repeatedly and they continue to hang up on me. I do n't understand how these payments are not positively reflected on my credit score. XXXX is the ONLY company that is damaging my credit score by inaccurate information. I have sent in 2 letters containing both dispute letters and my credit report that they have asked of me and still my credit score is not fixed by the problems they have caused. On my credit score it shows that XXXX through XXXX I have late or missed payments. This is inaccurate. They received 2 payments in XXXX, one XXXX XXXX, one XXXX XXXX, one XXXX XXXX. They have a total of 46 late/missed accounts on my credit report. I only have 5 accounts with them. I have tried to talk to XXXX and the 3rd party company associated with XXXX and I am having a hard time to rectify this problem.","date_sent_to_company":"2017-11-01T21:34:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30274","tags":"Servicemember","has_narrative":true,"complaint_id":"2718210","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-11-01T21:34:31.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["They received 2 payments in <em>XXXX</em>, one <em>XXXX</em> <em>XXXX</em>, one <em>XXXX</em> <em>XXXX</em>, one <em>XXXX</em> <em>XXXX</em>. They have a total of 46 late/missed <em>accounts</em> on my credit report. I only have 5 <em>accounts</em> with them. I have tried to talk to <em>XXXX</em> and the 3rd party company <em>associated</em> with <em>XXXX</em> and I am having a hard time to rectify this <em>problem</em>."],"issue":["<em>Problem</em> with a credit reporting company's investigation into an existing <em>problem</em>"]},"sort":[12.24309,"2718210"]},{"_index":"complaint-public-v1","_id":"7790650","_score":12.232132,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered an incorrect address, on my credit report that does not belong to me. Despite my continuous efforts, including multiple phone calls over a period of XXXX months, and speaking with different agents, the company informed me that they couldn't remove the address because it's linked to an account. I want to emphasize that I have never lived at that address, and the account associated with it is not mine. To address this issue, I began sending dispute letters for the accounts that do not belong to me. In my attempts to resolve this matter, I have also attached my identification documents, clearly indicating my correct address, in an effort to provide the necessary information for verification purposes. Despite these efforts, the incorrect address continues to be associated with my credit report, causing ongoing issues. I have taken these actions to rectify the situation, but unfortunately, the problem persists, and I have not received any resolution from the company.","date_sent_to_company":"2023-11-02T17:28:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"398XX","tags":null,"has_narrative":true,"complaint_id":"7790650","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-02T17:28:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I discovered an incorrect address, on my credit report that <em>does</em> not belong to me. Despite my continuous efforts, including multiple phone calls over a period of <em>XXXX</em> months, and speaking with different agents, the company informed me that they couldn't remove the address because it's linked to an <em>account</em>. I want to emphasize that I have never lived at that address, and the <em>account</em> <em>associated</em> with it is not mine."]},"sort":[12.232132,"7790650"]},{"_index":"complaint-public-v1","_id":"2718201","_score":12.230164,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have being paying a 3rd party company that is associated with Navient. They have a total of 5 payments from me. I have talked to the main company Navient ( XXXX ) and they do n't recognize or see 2 of the payments that I have sent ( XXXX XXXX, XXXX in the amount of {$120.00} and XXXX XXXX, XXXX in the amount of {$180.00} ). On my credit score it still shows that I have missed/late payments from Navient. I have talked with the 3rd party company repeatedly and they continue to hang up on me. I do n't understand how these payments are not positively reflected on my credit score. Navient is the ONLY company that is damaging my credit score by inaccurate information. I have sent in 2 letters containing both dispute letters and my credit report that they have asked of me and still my credit score is not fixed by the problems they have caused. On my credit score it shows that XXXX through XXXX I have late or missed payments. This is inaccurate. They received 2 payments in XXXX, one XXXX XXXX, one XXXX XXXX, one XXXX XXXX. They have a total of 46 late/missed accounts on my credit report. I only have 5 accounts with them. I have tried to talk to Navient and the 3rd party company associated with Navient and I am having a hard time to rectify this problem.","date_sent_to_company":"2017-11-01T21:34:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30274","tags":"Servicemember","has_narrative":true,"complaint_id":"2718201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-11-01T21:09:25.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["They received 2 payments in <em>XXXX</em>, one <em>XXXX</em> <em>XXXX</em>, one <em>XXXX</em> <em>XXXX</em>, one <em>XXXX</em> <em>XXXX</em>. They have a total of 46 late/missed <em>accounts</em> on my credit report. I only have 5 <em>accounts</em> with them. I have tried to talk to Navient and the 3rd party company <em>associated</em> with Navient and I am having a hard time to rectify this <em>problem</em>."],"issue":["<em>Problem</em> with a credit reporting company's investigation into an existing <em>problem</em>"]},"sort":[12.230164,"2718201"]},{"_index":"complaint-public-v1","_id":"17835042","_score":12.173775,"_source":{"product":"Checking or savings account","complaint_what_happened":"Good morning. \nI am a Truist bank customer. I had an Essential Checking account that I opened back when the bank was Suntrust. I have paid hundreds of dollars in overdraft fees with the bank since they became Truist. I have been on the phone many times with associates since the bank became Truist regarding my problems with paying the overdraft fees. I've had some overdraft fees refunded during this time. \n\nI wanted to stop the problems with the overdraft fees, so I opened a new Truist One account. I'm on XXXX XXXX, and still self employed, so it's taken me time to get the Essential Checking account closed. \n\nToday, I was informed by and associate using the Truist Assist form of communication that Truist stopped collecting overdraft fees when the company was created, and all I needed to do was to switch the Essential Checking to the Truist One Account. \n\nI have NEVER been offered this option before! \nI was told I had to ask for the account to be changed. If I had known that I could do this I would have simply changed the account long ago. I never needed or wanted 2 Checking accounts. I would never have opened the separate Truist One account had I known that switching accounts was available. \n\nUpon learning this I told the associate I wanted all my overdraft fees refunded from the date That the bank became Truist. Of course he came back with the standard reply of only 2 refunds per rolling 12 months, which I had already been given the last time I spoke to an associate about the fees on the phone. \n\nI want to know what if anything can be done to help me regarding this. \nI also need to know if I can close the account while this dispute is open. \nIt's my great desire to close the account ASAP. \n\nThank you for any answers or assistance you can provide regarding this theft by miscommunication or noncommunication by Truist bank. \n\nRegards, XXXX XXXX XXXX","date_sent_to_company":"2025-12-08T17:29:57.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"30143","tags":"Older American","has_narrative":true,"complaint_id":"17835042","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-12-08T16:24:39.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["I'm on <em>XXXX</em> <em>XXXX</em>, and still self employed, so it's taken me time to get the Essential Checking <em>account</em> closed. \n\nToday, I was informed by and <em>associate</em> using the Truist Assist form of communication that Truist stopped collecting overdraft fees when the company was created, and all I needed to <em>do</em> was to switch the Essential Checking to the Truist One <em>Account</em>. \n\nI have NEVER been offered this option before! \nI was told I had to ask for the <em>account</em> to be changed."],"product":["Checking or savings <em>account</em>"],"issue":["<em>Problem</em> caused by your funds being low"],"sub_product":["Checking <em>account</em>"]},"sort":[12.173775,"17835042"]},{"_index":"complaint-public-v1","_id":"1433647","_score":12.170828,"_source":{"product":"Bank account or service","complaint_what_happened":"XXXX XXXX, XX/XX/2015Dear CFPB, I use the HSBC bill Pay from my checking account. \nOn XXXX XXXX and XXXX XXXX I made XXXX payments. They mananged to pay the XXXX ... but I am still missing {$2000.00}. \nXXXX XXXX : {$120.00}. XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX have now spent over XXXX hours on the phone with HSBC associates and they now say its the Bill Pay vendor that is the problem and they are trying to trace my money. \nHSBCs vendor is their problem -- HSBC is responsible for paying my bills. \nToday I have now ( after XXXX more min on the phone today ) requested that the {$2000.00} be returned to my account ... HSBC says that they may be able to return {$1000.00} -- to my account -- in the next few days., but the other payment XXXX XXXX. ( bills are to be paid in XXXX bus days ) .has been processed and I will need to wait yet another XXXX days for the bill to be paid. I pointed out that this will mean that they have held {$1000.00} for XXXX days. My Credit card, has not received this payment.. \nToday the HSBC associate said that they had a new BillPay service and that I was suppose to \" refresh '' my Bill Pay list, however he could not tell me what I had to do to refresh the list. All of my payees remain the same ... The only changes have been internally at HSBC. \nI have done everything I can possibly do ... Over the weekend I spent XXXX hours on the phone with HSBC, I have excahanged Bank Mail. XXXX XXXX HSBC associate hung up on a conference call with my Credit card rep. XXXX At this point I dont know what you can do, but I wanted to register this complaint.","date_sent_to_company":"2015-06-23T15:28:58.000Z","issue":"Making/receiving payments, sending money","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1433647","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2015-06-23T15:28:57.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em>, <em>XX/XX</em>/2015Dear CFPB, I use the HSBC bill Pay from my checking <em>account</em>. \nOn <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> I made <em>XXXX</em> payments. They mananged to pay the <em>XXXX</em> ... but I am still missing {$2000.00}. \n<em>XXXX</em> <em>XXXX</em> : {$120.00}. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> {$1000.00} <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : {$1000.00} <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> have now spent over <em>XXXX</em> hours on the phone with HSBC <em>associates</em> and they now say its the Bill Pay vendor that is the <em>problem</em> and they are trying to trace my money."],"product":["Bank <em>account</em> or service"],"sub_product":["Checking <em>account</em>"]},"sort":[12.170828,"1433647"]},{"_index":"complaint-public-v1","_id":"5216323","_score":12.158778,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have a PayPal account which PayPal refuses to allow me to close because I have a PayPal Credit account through a second agency, XXXX XXXX I am unable to access the PayPal account or the PayPal Credit account issued by XXXX XXXX  and PayPal refuses to fix the problem because I do not have a phone. However without an associated phone number the account remains active as I receive monthly statements that I can not access to confirm if any fraudulent activity is going on. Again this applies to both the PayPal account and the PayPal Credit account issued by XXXX XXXX. Additionally purchases can still be made with the account using third party website. For example, though requiring a phone number is considered a security feature by PayPal representatives, I can successfully complete a purchase at XXXX with no problem.","date_sent_to_company":"2022-02-13T09:37:52.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"30076","tags":null,"has_narrative":true,"complaint_id":"5216323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2022-02-13T09:24:27.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have a PayPal <em>account</em> which PayPal refuses to allow me to close because I have a PayPal Credit <em>account</em> through a second agency, <em>XXXX</em> <em>XXXX</em> I am unable to access the PayPal <em>account</em> or the PayPal Credit <em>account</em> issued by <em>XXXX</em> <em>XXXX</em>  and PayPal refuses to fix the <em>problem</em> because I <em>do</em> not have a phone. However without an <em>associated</em> phone number the <em>account</em> remains active as I receive monthly statements that I can not access to confirm if any fraudulent activity is going on."],"issue":["Managing, opening, or closing your mobile wallet <em>account</em>"]},"sort":[12.158778,"5216323"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4323,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4323}]}},"product":{"doc_count":4323,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2352,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2342},{"key":"Other personal consumer report","doc_count":7},{"key":"Credit repair services","doc_count":3}]}},{"key":"Checking or savings account","doc_count":363,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":281},{"key":"Savings account","doc_count":43},{"key":"Other banking product or service","doc_count":30},{"key":"CD (Certificate of Deposit)","doc_count":9}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":325,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":318},{"key":"Other personal consumer report","doc_count":7}]}},{"key":"Debt collection","doc_count":324,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":106},{"key":"Other debt","doc_count":65},{"key":"I do not know","doc_count":51},{"key":"Medical debt","doc_count":18},{"key":"Telecommunications debt","doc_count":15},{"key":"Auto debt","doc_count":14},{"key":"Other (i.e. phone, health club, etc.)","doc_count":14},{"key":"Mortgage debt","doc_count":11},{"key":"Federal student loan debt","doc_count":7},{"key":"Credit card","doc_count":5},{"key":"Medical","doc_count":4},{"key":"Payday loan debt","doc_count":4},{"key":"Rental debt","doc_count":4},{"key":"Private student loan debt","doc_count":3},{"key":"Federal student loan","doc_count":1},{"key":"Mortgage","doc_count":1},{"key":"Payday loan","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":213,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":158},{"key":"Store credit card","doc_count":39},{"key":"General-purpose prepaid card","doc_count":7},{"key":"Government benefit card","doc_count":7},{"key":"Payroll card","doc_count":2}]}},{"key":"Mortgage","doc_count":191,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":104},{"key":"FHA mortgage","doc_count":37},{"key":"VA mortgage","doc_count":16},{"key":"Home equity loan or line of credit (HELOC)","doc_count":13},{"key":"Other type of mortgage","doc_count":9},{"key":"Conventional fixed mortgage","doc_count":8},{"key":"Conventional adjustable mortgage (ARM)","doc_count":1},{"key":"Home equity loan or line of credit","doc_count":1},{"key":"Other mortgage","doc_count":1},{"key":"Reverse mortgage","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":173,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":72},{"key":"Domestic (US) money transfer","doc_count":53},{"key":"Virtual currency","doc_count":27},{"key":"International money transfer","doc_count":13},{"key":"Traveler's check or cashier's check","doc_count":5},{"key":"Check cashing service","doc_count":2},{"key":"Foreign currency exchange","doc_count":1}]}},{"key":"Credit card","doc_count":163,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":122},{"key":"Store credit card","doc_count":20}]}},{"key":"Vehicle loan or lease","doc_count":56,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":44},{"key":"Lease","doc_count":12}]}},{"key":"Bank account or service","doc_count":38,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":27},{"key":"Other bank product/service","doc_count":9},{"key":"Savings account","doc_count":2}]}},{"key":"Student loan","doc_count":37,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":18},{"key":"Federal student loan servicing","doc_count":15},{"key":"Non-federal student loan","doc_count":4}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":28,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":13},{"key":"Installment loan","doc_count":9},{"key":"Payday loan","doc_count":4},{"key":"Title loan","doc_count":2}]}},{"key":"Credit reporting","doc_count":20,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":12},{"key":"Personal line of credit","doc_count":3},{"key":"Payday loan","doc_count":1},{"key":"Title loan","doc_count":1}]}},{"key":"Consumer Loan","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":6},{"key":"Vehicle loan","doc_count":2},{"key":"Vehicle lease","doc_count":1}]}},{"key":"Prepaid card","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":4},{"key":"General-purpose prepaid card","doc_count":3},{"key":"General purpose card","doc_count":1},{"key":"Payroll card","doc_count":1}]}},{"key":"Debt or credit management","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":1},{"key":"Student loan debt relief","doc_count":1}]}},{"key":"Money transfers","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"International money transfer","doc_count":2}]}},{"key":"Payday loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"issue":{"doc_count":4323,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":2305,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":2164},{"key":"Account status incorrect","doc_count":48},{"key":"Account information incorrect","doc_count":45},{"key":"Personal information incorrect","doc_count":19},{"key":"Information is missing that should be on the report","doc_count":12},{"key":"Old information reappears or never goes away","doc_count":9},{"key":"Public record information inaccurate","doc_count":7},{"key":"Information is incorrect","doc_count":1}]}},{"key":"Managing an account","doc_count":229,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":73},{"key":"Problem using a debit or ATM card","doc_count":41},{"key":"Problem accessing account","doc_count":37},{"key":"Banking errors","doc_count":26},{"key":"Funds not handled or disbursed as instructed","doc_count":20},{"key":"Problem making or receiving payments","doc_count":18},{"key":"Cashing a check","doc_count":7},{"key":"Fee problem","doc_count":7}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":131,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":95},{"key":"Problem with personal statement of dispute","doc_count":17},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":11},{"key":"Investigation took more than 30 days","doc_count":6},{"key":"Was not notified of investigation status or results","doc_count":2}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":122,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":57},{"key":"Investigation took more than 30 days","doc_count":36},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":15},{"key":"Problem with personal statement of dispute","doc_count":8},{"key":"Was not notified of investigation status or results","doc_count":6}]}},{"key":"Attempts to collect debt not owed","doc_count":112,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":70},{"key":"Debt was result of identity theft","doc_count":21},{"key":"Debt was paid","doc_count":14},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":7}]}},{"key":"Problem with a purchase shown on your statement","doc_count":112,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":77},{"key":"Card was charged for something you did not purchase with the card","doc_count":33},{"key":"Overcharged for something you did purchase with the card","doc_count":2}]}},{"key":"Trouble during payment process","doc_count":103,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Escrow, taxes, or insurance","doc_count":10},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":8},{"key":"Payment process","doc_count":7},{"key":"Lien release","doc_count":1},{"key":"Paying off the loan","doc_count":1},{"key":"Private mortgage insurance (PMI)","doc_count":1}]}},{"key":"Written notification about debt","doc_count":90,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":76},{"key":"Didn't receive notice of right to dispute","doc_count":11},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":3}]}},{"key":"Improper use of your report","doc_count":87,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":72},{"key":"Credit inquiries on your report that you don't recognize","doc_count":11},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":4}]}},{"key":"Other features, terms, or problems","doc_count":63,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":23},{"key":"Problem with rewards from credit card","doc_count":14},{"key":"Privacy issues","doc_count":9},{"key":"Problem with balance transfer","doc_count":9},{"key":"Problem with customer service","doc_count":5},{"key":"Add-on products and services","doc_count":2},{"key":"Problem with cash advances","doc_count":1}]}},{"key":"Closing an account","doc_count":57,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":24},{"key":"Funds not received from closed account","doc_count":17},{"key":"Can't close your account","doc_count":13},{"key":"Fees charged for closing account","doc_count":3}]}},{"key":"Fraud or scam","doc_count":47,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"False statements or representation","doc_count":45,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":37},{"key":"Indicated you were committing crime by not paying debt","doc_count":4},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":3},{"key":"Indicated committed crime not paying","doc_count":1}]}},{"key":"Problem when making payments","doc_count":42,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":28},{"key":"You never received your bill or did not know a payment was due","doc_count":1}]}},{"key":"Other transaction problem","doc_count":39,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a lender or other company charging your account","doc_count":38,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":32},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":6}]}},{"key":"Managing the loan or lease","doc_count":36,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":19},{"key":"Problem with additional products or services purchased with the loan","doc_count":4},{"key":"Problem with fees charged","doc_count":3},{"key":"Loan sold or transferred to another company","doc_count":2},{"key":"Problem with the interest rate","doc_count":1}]}},{"key":"Closing your account","doc_count":34,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":22},{"key":"Can't close your account","doc_count":12}]}},{"key":"Struggling to pay mortgage","doc_count":34,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu","doc_count":2},{"key":"Foreclosure","doc_count":2},{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":2}]}},{"key":"Took or threatened to take negative or legal action","doc_count":30,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":16},{"key":"Sued you without properly notifying you of lawsuit","doc_count":5},{"key":"Threatened to sue you for very old debt","doc_count":3},{"key":"Collected or attempted to collect exempt funds","doc_count":2},{"key":"Seized or attempted to seize your property","doc_count":2},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":2}]}},{"key":"Dealing with your lender or servicer","doc_count":27,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble with how payments are being handled","doc_count":10},{"key":"Received bad information about your loan","doc_count":9},{"key":"Problem with customer service","doc_count":5},{"key":"Don't agree with the fees charged","doc_count":2},{"key":"Keep getting calls about your loan","doc_count":1}]}},{"key":"Trouble using your card","doc_count":27,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":24},{"key":"Credit card company won't increase or decrease your credit limit","doc_count":2},{"key":"Account sold or transferred to another company","doc_count":1}]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":26,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Fees or interest","doc_count":25,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":19},{"key":"Unexpected increase in interest rate","doc_count":4},{"key":"Charged too much interest","doc_count":2}]}},{"key":"Account opening, closing, or management","doc_count":22,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a credit card","doc_count":22,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened as result of identity theft or fraud","doc_count":8},{"key":"Card opened without my consent or knowledge","doc_count":5},{"key":"Sent card you never applied for","doc_count":4},{"key":"Delay in processing application","doc_count":2},{"key":"Problem getting a working replacement card","doc_count":2},{"key":"Application denied","doc_count":1}]}},{"key":"Opening an account","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":9},{"key":"Didn't receive terms that were advertised","doc_count":6},{"key":"Account opened without my consent or knowledge","doc_count":4},{"key":"Confusing or missing disclosures","doc_count":2}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":19,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in loan terms during the application process","doc_count":1},{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Trying to communicate with the company to fix an issue with the application process","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":19,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing on a mortgage","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":1},{"key":"Fees or costs after closing","doc_count":1},{"key":"Setting up an escrow account for taxes and insurance","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Communication tactics","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":6},{"key":"Used obscene, profane, or other abusive language","doc_count":4},{"key":"You told them to stop contacting you, but they keep trying","doc_count":4},{"key":"Used obscene/profane/abusive language","doc_count":3}]}},{"key":"Unable to get your credit report or credit score","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem getting your free annual credit report","doc_count":10},{"key":"Other problem getting your report or credit score","doc_count":6}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive advertised or promotional terms","doc_count":10},{"key":"Confusing or misleading advertising about the credit card","doc_count":5}]}},{"key":"Problem caused by your funds being low","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Non-sufficient funds and associated fees","doc_count":6},{"key":"Overdrafts and overdraft fees","doc_count":5},{"key":"Bounced checks or returned payments","doc_count":3},{"key":"Late or other fees","doc_count":1}]}},{"key":"Incorrect information on credit report","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is not mine","doc_count":6},{"key":"Account terms","doc_count":3},{"key":"Account status","doc_count":2},{"key":"Public record","doc_count":2},{"key":"Reinserted previously deleted info","doc_count":1}]}},{"key":"Money was not available when promised","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unexpected or other fees","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan servicing, payments, escrow account","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems at the end of the loan or lease","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with paying off the loan","doc_count":4},{"key":"Termination fees or other problem when ending the lease early","doc_count":2},{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":2},{"key":"Problem related to refinancing","doc_count":1},{"key":"Problem while selling or giving up the vehicle","doc_count":1}]}},{"key":"Charged fees or interest you didn't expect","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Cont'd attempts collect debt not owed","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":9}]}},{"key":"Other service problem","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your loan","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lender trying to repossess or disable the vehicle","doc_count":2},{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":1},{"key":"Problem after you declared or threatened to declare bankruptcy","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":4},{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":3},{"key":"Problem with product or service terms changing","doc_count":1}]}},{"key":"Disclosure verification of debt","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Right to dispute notice not received","doc_count":5},{"key":"Not given enough info to verify debt","doc_count":2},{"key":"Not disclosed as an attempt to collect","doc_count":1}]}},{"key":"Deposits and withdrawals","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a purchase or transfer","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":4},{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":3}]}},{"key":"Confusing or missing disclosures","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan or lease","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in terms mid-deal or after closing","doc_count":3},{"key":"Fraudulent loan","doc_count":2},{"key":"Loan opened without my consent or knowledge","doc_count":1}]}},{"key":"Problem with customer service","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Threatened to contact someone or share information improperly","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted you after you asked them to stop","doc_count":3},{"key":"Talked to a third-party about your debt","doc_count":3}]}},{"key":"Trouble using the card","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble getting information about the card","doc_count":3},{"key":"Problem with direct deposit","doc_count":1},{"key":"Trouble using the card to pay a bill","doc_count":1},{"key":"Trouble using the card to send money to another person","doc_count":1}]}},{"key":"Making/receiving payments, sending money","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to repay your loan","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't temporarily delay making payments","doc_count":2},{"key":"Problem lowering your monthly payments","doc_count":2},{"key":"Problem with your payment plan","doc_count":1}]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Billing disputes","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with my lender or servicer","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Don't agree with fees charged","doc_count":2},{"key":"Received bad information about my loan","doc_count":1},{"key":"Trouble with how payments are handled","doc_count":1}]}},{"key":"Getting the loan","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Identity theft / Fraud / Embezzlement","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan modification,collection,foreclosure","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1},{"key":"Investigation took more than 30 days","doc_count":1}]}},{"key":"Wrong amount charged or received","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Electronic communications","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":2},{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Getting a line of credit","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Identity theft protection or other monitoring services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":1},{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":1},{"key":"Problem with product or service terms changing","doc_count":1}]}},{"key":"Late fee","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem getting a card or closing an account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble closing card","doc_count":2},{"key":"Trouble getting, activating, or registering a card","doc_count":1}]}},{"key":"Problem with additional add-on products or services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems caused by my funds being low","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Taking/threatening an illegal action","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to/Collected exempt funds","doc_count":1},{"key":"Seized/Attempted to seize property","doc_count":1},{"key":"Threatened arrest/jail if do not pay","doc_count":1}]}},{"key":"Credit card protection / Debt protection","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity protection","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account terms and changes","doc_count":1},{"key":"Problem with fraud alerts","doc_count":1}]}},{"key":"Credit reporting company's investigation","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with statement of dispute","doc_count":2}]}},{"key":"Problem adding money","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company communicating payment assistance or payment extension options","doc_count":1},{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Struggling to pay your bill","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't work with you while you're going through financial hardship","doc_count":1},{"key":"Filed for bankruptcy","doc_count":1}]}},{"key":"Taking out the loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized withdrawals or charges","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Application, originator, mortgage broker","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Applied for loan/did not receive money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Arbitration","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Customer service / Customer relations","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":1}]}},{"key":"Improper contact or sharing of info","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted employer after asked not to","doc_count":1}]}},{"key":"Improper use of my credit report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Report improperly shared by CRC","doc_count":1}]}},{"key":"Money was taken from your bank account on the wrong day or for the wrong amount","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with cash advance","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Received a loan you didn't apply for","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Sale of account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Settlement process and costs","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Transaction issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unable to get credit report/credit score","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem getting my free annual report","doc_count":1}]}},{"key":"Unauthorized transactions/trans. issues","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Using a debit or ATM card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle was repossessed or sold the vehicle","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Was approved for a loan, but didn't receive money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":4323,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":4272},{"key":"No","doc_count":51}]}},"company_response":{"doc_count":4323,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":2868},{"key":"Closed with non-monetary relief","doc_count":1242},{"key":"Closed with monetary relief","doc_count":201},{"key":"Untimely response","doc_count":8},{"key":"Closed","doc_count":4}]}},"submitted_via":{"doc_count":4323,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":4323}]}},"company":{"doc_count":4323,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":1125},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1063},{"key":"Experian Information Solutions Inc.","doc_count":393},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":126},{"key":"JPMORGAN CHASE & CO.","doc_count":114},{"key":"CITIBANK, N.A.","doc_count":110},{"key":"WELLS FARGO & COMPANY","doc_count":103},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":102},{"key":"Paypal Holdings, Inc","doc_count":64},{"key":"Portfolio Recovery Associates, LLC","doc_count":50},{"key":"SYNCHRONY FINANCIAL","doc_count":50},{"key":"AMERICAN EXPRESS COMPANY","doc_count":41},{"key":"U.S. BANCORP","doc_count":29},{"key":"Block, Inc.","doc_count":26},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":24},{"key":"Bread Financial Holdings, Inc.","doc_count":23},{"key":"DISCOVER BANK","doc_count":22},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":21},{"key":"GOLDMAN SACHS BANK USA","doc_count":20},{"key":"BARCLAYS BANK DELAWARE","doc_count":18},{"key":"TD BANK US HOLDING COMPANY","doc_count":18},{"key":"Coinbase, Inc.","doc_count":17},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":17},{"key":"Chime Financial Inc","doc_count":15},{"key":"Mr. Cooper Group Inc.","doc_count":15},{"key":"Navient Solutions, LLC.","doc_count":15},{"key":"PNC Bank N.A.","doc_count":15},{"key":"ALLY FINANCIAL INC.","doc_count":14},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":14},{"key":"Ocwen Financial Corporation","doc_count":14},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":13},{"key":"Aldous & Associates, PLLC","doc_count":12},{"key":"LEXISNEXIS","doc_count":12},{"key":"Shellpoint Partners, LLC","doc_count":12},{"key":"WAKEFIELD & ASSOCIATES, INC.","doc_count":12},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":11},{"key":"Resurgent Capital Services L.P.","doc_count":10},{"key":"Early Warning Services, LLC","doc_count":9},{"key":"Nelnet, Inc.","doc_count":7},{"key":"ASSOCIATED BANC-CORP","doc_count":6},{"key":"Affirm Holdings, Inc","doc_count":6},{"key":"BMW Financial Services NA, LLC","doc_count":6},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":6},{"key":"KEYCORP","doc_count":6},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":6},{"key":"ROBINHOOD MARKETS INC.","doc_count":6},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":6},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":6},{"key":"TRANSWORLD SYSTEMS INC","doc_count":6},{"key":"AES/PHEAA","doc_count":5},{"key":"Comerica","doc_count":5},{"key":"FISERV FINXACT CORE","doc_count":5},{"key":"Freedom Mortgage Company","doc_count":5},{"key":"LoanCare, LLC","doc_count":5},{"key":"MOHELA","doc_count":5},{"key":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","doc_count":5},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":5},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":5},{"key":"Rocket Mortgage, LLC","doc_count":5},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":5},{"key":"Santander Consumer USA Holdings Inc.","doc_count":5},{"key":"Atlanticus Services Corporation","doc_count":4},{"key":"BB&T CORPORATION","doc_count":4},{"key":"CLGF Holdco 1, LLC","doc_count":4},{"key":"Credit Karma, LLC","doc_count":4},{"key":"Creditors Bureau Associates","doc_count":4},{"key":"General Motors Financial Company, Inc.","doc_count":4},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":4},{"key":"I.C. System, Inc.","doc_count":4},{"key":"Kriya Capital, LLC","doc_count":4},{"key":"LD Holdings Group, LLC","doc_count":4},{"key":"M&T BANK CORPORATION","doc_count":4},{"key":"MoneyLion Inc.","doc_count":4},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":4},{"key":"Netspend Corporation","doc_count":4},{"key":"SANTANDER BANK, NATIONAL ASSOCIATION","doc_count":4},{"key":"Southwest Credit Systems, L.P.","doc_count":4},{"key":"ALLIANT CREDIT UNION","doc_count":3},{"key":"AmeriHome Mortgage Company, LLC","doc_count":3},{"key":"BANCO POPULAR DE PUERTO RICO","doc_count":3},{"key":"BBVA FINANCIAL CORPORATION","doc_count":3},{"key":"Bilt Technologies, Inc.","doc_count":3},{"key":"CCS Financial Services, Inc.","doc_count":3},{"key":"CHARLES SCHWAB CORPORATION, THE","doc_count":3},{"key":"Caliber Home Loans, Inc.","doc_count":3},{"key":"Colony Brands, Inc.","doc_count":3},{"key":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","doc_count":3},{"key":"Conn's, Inc.","doc_count":3},{"key":"Continental Finance Company, LLC","doc_count":3},{"key":"Ditech Financial LLC","doc_count":3},{"key":"EdFinancial Services","doc_count":3},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":3},{"key":"Global Lending Services LLC","doc_count":3},{"key":"Klarna AB","doc_count":3},{"key":"LJ Ross Associates","doc_count":3},{"key":"Law Office of Michael J. Scott, PC","doc_count":3},{"key":"MIDFIRST BANK","doc_count":3},{"key":"Maximus Federal Services, Inc.","doc_count":3},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":3},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":3},{"key":"Social Finance, Inc.","doc_count":3},{"key":"ZWICKER & ASSOCIATES","doc_count":3},{"key":"ACIMA CREDIT, LLC","doc_count":2},{"key":"ADP Inc.","doc_count":2},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":2},{"key":"AMERISAVE MORTGAGE CORPORATION","doc_count":2},{"key":"Amsher Collection Services, Inc.","doc_count":2},{"key":"Army and Air Force Exchange Service","doc_count":2},{"key":"BAM Management US Holdings Inc.","doc_count":2},{"key":"BANK OF THE WEST","doc_count":2},{"key":"Blockchain.com, Inc.","doc_count":2},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":2},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":2},{"key":"CCF Intermediate Holdings LLC","doc_count":2},{"key":"CL Holdings LLC","doc_count":2},{"key":"CNG FINANCIAL CORPORATION","doc_count":2},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":2},{"key":"CarMax, Inc.","doc_count":2},{"key":"Carvana Group, LLC","doc_count":2},{"key":"Climb Credit Inc.","doc_count":2},{"key":"Conduent Incorporated","doc_count":2},{"key":"Diaz & Associates, Inc.","doc_count":2},{"key":"ERC","doc_count":2},{"key":"FIRST FINANCIAL BANCORP","doc_count":2},{"key":"FIRST HORIZON BANK","doc_count":2},{"key":"FIRST NATIONAL BANK OF PENNSYLVANIA","doc_count":2},{"key":"FORD MOTOR CREDIT CO.","doc_count":2},{"key":"FULTON FINANCIAL CORPORATION","doc_count":2},{"key":"FactorTrust, Inc.","doc_count":2},{"key":"First Technology Federal Credit Union","doc_count":2},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":2},{"key":"HW Holding, Inc","doc_count":2},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":2},{"key":"Helvey & Associates, Inc., Warsaw, IN Branch","doc_count":2},{"key":"Indie Technology DBA Found","doc_count":2},{"key":"MARINER FINANCE, LLC","doc_count":2},{"key":"MONEY SOURCE, INC., THE","doc_count":2},{"key":"ONEMAIN FINANCIAL HOLDINGS, LLC.","doc_count":2},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":2},{"key":"Paramount GR Holdings, LLC","doc_count":2},{"key":"Patenaude & Felix A Professional Corporation","doc_count":2},{"key":"Renton Collections Inc.","doc_count":2},{"key":"RoundPoint Mortgage Servicing LLC","doc_count":2},{"key":"SIMM Associates, Inc.","doc_count":2},{"key":"SLM CORPORATION","doc_count":2},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":2},{"key":"SUNTRUST BANKS, INC.","doc_count":2},{"key":"Solar Mosaic LLC","doc_count":2},{"key":"Source Receivables Management LLC","doc_count":2},{"key":"TCF NATIONAL BANK","doc_count":2},{"key":"Tower Loan of Mississippi, Inc.","doc_count":2},{"key":"TransferWise Ltd","doc_count":2},{"key":"UMB FINANCIAL CORPORATION","doc_count":2},{"key":"UPGRADE, INC.","doc_count":2},{"key":"W&A Intermediate Co., LLC","doc_count":2},{"key":"Waypoint Resource Group, LLC","doc_count":2},{"key":"Westlake Services, LLC","doc_count":2},{"key":"ZIONS BANCORPORATION","doc_count":2},{"key":"ACS Education Services","doc_count":1},{"key":"AFNI INC.","doc_count":1},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"AMERICAN NEIGHBORHOOD MORTGAGE","doc_count":1},{"key":"ARVEST BANK GROUP, INC.","doc_count":1},{"key":"AXOS FINANCIAL, INC.","doc_count":1},{"key":"Advanced Resolution Services Inc.","doc_count":1},{"key":"Affiliated Acceptance Corporation","doc_count":1},{"key":"Albert Corporation","doc_count":1},{"key":"Alliance Group & Associates LLC","doc_count":1},{"key":"Alliance One, Inc.","doc_count":1},{"key":"American Student Loan Advocates","doc_count":1},{"key":"Aspen Yo LLC","doc_count":1},{"key":"Avant Credit Corporation","doc_count":1},{"key":"BANKERS HEALTHCARE GROUP LLC","doc_count":1},{"key":"BOEING EMPLOYEES' CREDIT UNION","doc_count":1},{"key":"BOK FINANCIAL CORP","doc_count":1},{"key":"BROKER SOLUTIONS, INC.","doc_count":1},{"key":"BSI Financial Holdings, Inc.","doc_count":1},{"key":"BTH Management","doc_count":1},{"key":"Bepensa Capital, Inc.","doc_count":1},{"key":"Bliksum, LLC","doc_count":1},{"key":"Bridge IT, Inc.","doc_count":1},{"key":"Bridgecrest Acceptance Corporation","doc_count":1},{"key":"Byrider Franchising, LLC","doc_count":1},{"key":"CARCO Group, Inc.","doc_count":1},{"key":"CBC Companies, Inc.","doc_count":1},{"key":"CIG FINANCIAL LLC","doc_count":1},{"key":"COLLECTION ASSOCIATES, LTD.","doc_count":1},{"key":"CORELOGIC INC","doc_count":1},{"key":"Central Research Inc","doc_count":1},{"key":"Checkr, Inc","doc_count":1},{"key":"Convergent Resources, Inc.","doc_count":1},{"key":"Credit Bureau of Carbon County","doc_count":1},{"key":"Credit Bureau of the South, Inc.","doc_count":1},{"key":"Credit Corp Solutions Inc.","doc_count":1},{"key":"CrossCheck, Inc.","doc_count":1},{"key":"D. SCOTT CARRUTHERS","doc_count":1},{"key":"Data Mortgage Inc.","doc_count":1},{"key":"Delta Management Associates, Inc.","doc_count":1},{"key":"Diverse Funding Associates LLC","doc_count":1},{"key":"Diversified Adjustment Service, Inc.","doc_count":1},{"key":"Double D Finance dba Idaho Finance","doc_count":1},{"key":"Dovenmuehle Mortgage, Inc.","doc_count":1},{"key":"E*TRADE BANK","doc_count":1},{"key":"EVERBANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"Eagle Financial Services, Inc.","doc_count":1},{"key":"Entrata Inc.","doc_count":1},{"key":"Equinox Financial Management Solutions, Inc.","doc_count":1},{"key":"Equitable Acceptance Corp","doc_count":1},{"key":"Exeter Finance, LLC.","doc_count":1},{"key":"F.H. Cann & Associates, Inc.","doc_count":1},{"key":"FC HoldCo LLC","doc_count":1},{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":1},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":1},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":1},{"key":"Fay Servicing, LLC","doc_count":1},{"key":"First Associates Loan Servicing LLC","doc_count":1},{"key":"First Credit Services Inc.","doc_count":1},{"key":"First Direct Mediation","doc_count":1},{"key":"GLOBAL CLIENT SOLUTIONS, LLC","doc_count":1},{"key":"GLOBAL CREDIT UNION","doc_count":1},{"key":"Gatestone & Co. International Inc.","doc_count":1},{"key":"Google Compare Credit Cards Inc.","doc_count":1},{"key":"Gragil Associates, Inc.","doc_count":1},{"key":"Grant & Weber","doc_count":1},{"key":"Grow Credit Inc","doc_count":1},{"key":"Guild Holdings Company","doc_count":1},{"key":"HEARTLAND PAYMENT SYSTEMS INC","doc_count":1},{"key":"HIGHLANDS RESIDENTIAL MORTGAGE","doc_count":1},{"key":"HOVG, LLC","doc_count":1},{"key":"Hanwha QCells USA Corp","doc_count":1},{"key":"Harpeth Financial Services, LLC","doc_count":1},{"key":"Hillcrest Davidson & Associates","doc_count":1},{"key":"Horizon West Financial, Inc","doc_count":1},{"key":"INTEGRA SERVICING, LLC","doc_count":1},{"key":"Intercoastal Mortgage LLC","doc_count":1},{"key":"Jim Bottin Enterprises, Inc","doc_count":1},{"key":"KBR INC DBA RASH CURTIS & ASSOCIATES","doc_count":1},{"key":"Kelsting Group, Inc.","doc_count":1},{"key":"LAKEVIEW LOAN SERVICING, LLC","doc_count":1},{"key":"LENDER LIVE","doc_count":1},{"key":"LendKey Technologies, Inc.","doc_count":1},{"key":"Lendmark Financial Services","doc_count":1},{"key":"Levy & Associates, LLC","doc_count":1},{"key":"Linebarger Goggan Blair & Sampson LLP","doc_count":1},{"key":"Lon Inc.","doc_count":1},{"key":"M.A.R.S., Inc.","doc_count":1},{"key":"MORGAN STANLEY & CO. LLC","doc_count":1},{"key":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","doc_count":1},{"key":"MPOWER Financing, Public Benefit Corporation","doc_count":1},{"key":"MRS BPO, LLC","doc_count":1},{"key":"Mandarich Law Group, LLP","doc_count":1},{"key":"McCalla Raymer Leibert Pierce, LLC","doc_count":1},{"key":"Mercedes Benz Financial Services","doc_count":1},{"key":"Messerli & Kramer P.A.","doc_count":1},{"key":"Michael Harrison, Attorney at Law","doc_count":1},{"key":"MicroBilt / PRBC (formerly CL Verify)","doc_count":1},{"key":"Mid-Atlantic Finance Co., Inc.","doc_count":1},{"key":"Monterey Financial Services LLC","doc_count":1},{"key":"Movement Mortgage LLC","doc_count":1},{"key":"NATIONAL DEBT RELIEF LLC","doc_count":1},{"key":"NEW YORK COMMUNITY BANCORP INC","doc_count":1},{"key":"NRA Group, LLC","doc_count":1},{"key":"Neighborhood Assistance Corporation of America (\"NACA\")","doc_count":1},{"key":"Nelson Cruz & Associates LLC","doc_count":1},{"key":"Northwood Asset Management Group","doc_count":1},{"key":"ONEMAIN FINANCE CORPORATION","doc_count":1},{"key":"OPTUM BANK, INC.","doc_count":1},{"key":"ORG GC GP BUYER, LLC","doc_count":1},{"key":"OneMain Finance Corporation","doc_count":1},{"key":"Optio Solutions, LLC","doc_count":1},{"key":"Orion Portfolio Services, LLC","doc_count":1},{"key":"PARAMOUNT RESIDENTIAL MORTGAGE GROUP","doc_count":1},{"key":"PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"PRIMARY RESIDENTIAL MORTGAGE","doc_count":1},{"key":"PROVIDENT FUNDING ASSOCIATES","doc_count":1},{"key":"Patient Accounting Service Center","doc_count":1},{"key":"Perfection Collection","doc_count":1},{"key":"Platinum Holdings Group, LLC","doc_count":1},{"key":"Prince Parker & Associates","doc_count":1},{"key":"ProCollect, Inc.","doc_count":1},{"key":"Prosper Marketplace, Inc.","doc_count":1},{"key":"RS Clark and Associates, Inc.","doc_count":1},{"key":"Radius Global Solutions LLC","doc_count":1},{"key":"Rausch, Sturm, Israel, Enerson & Hornik, LLP","doc_count":1},{"key":"RentDebt Automated Collections, LLC","doc_count":1},{"key":"Revolut Technologies Inc.","doc_count":1},{"key":"Ria Envia, LLC","doc_count":1},{"key":"River Financial Inc.","doc_count":1},{"key":"Rose & Associates, LLC.","doc_count":1},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":1},{"key":"Rubin & Rothman, LLC","doc_count":1},{"key":"SAMC Honebee TRS, LLC","doc_count":1},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":1},{"key":"SCOTTRADE BANK","doc_count":1},{"key":"SN SERVICING CORPORATION","doc_count":1},{"key":"STATE FARM BANK, FSB","doc_count":1},{"key":"STERLING BANCORP","doc_count":1},{"key":"STERLING JEWELERS, INC.","doc_count":1},{"key":"SUN WEST MORTGAGE COMPANY, INC.","doc_count":1},{"key":"Scott Fetzer Financial Group Inc.","doc_count":1},{"key":"Security National Financial Corp","doc_count":1},{"key":"Selene Holdings LLC","doc_count":1},{"key":"Senex Services Corp.","doc_count":1},{"key":"Seterus, Inc.","doc_count":1},{"key":"Siggi LLC","doc_count":1},{"key":"Slovin & Council Co., L.P.A.","doc_count":1},{"key":"Southern Management Systems Inc.","doc_count":1},{"key":"Specialized Collection Systems, Inc.","doc_count":1},{"key":"Statebridge Company","doc_count":1},{"key":"Summit A*R, Inc.","doc_count":1},{"key":"Sunbit, Inc.","doc_count":1},{"key":"Sunlight Financial LLC","doc_count":1},{"key":"Synergy One Lending, Inc.","doc_count":1},{"key":"T.S. Holdings","doc_count":1},{"key":"TMX Finance LLC","doc_count":1},{"key":"The Cadle Company","doc_count":1},{"key":"TomoCredit Inc.","doc_count":1},{"key":"TrueAccord Corp.","doc_count":1},{"key":"U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH","doc_count":1},{"key":"UNITED COMMUNITY BANK","doc_count":1},{"key":"United Shore Financial Services, LLC","doc_count":1},{"key":"Upstart Holdings, Inc.","doc_count":1},{"key":"VW Credit","doc_count":1},{"key":"VYSTAR CREDIT UNION","doc_count":1},{"key":"Velocity Portfolio Group","doc_count":1},{"key":"WAFD BANK","doc_count":1},{"key":"WEBSTER BANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"WESTERN ALLIANCE BANCORPORATION","doc_count":1},{"key":"WESTERN UNION COMPANY, THE","doc_count":1},{"key":"Westwood Legal","doc_count":1},{"key":"Wilber and Associates, P.C.","doc_count":1},{"key":"World Omni Financial Corp.","doc_count":1},{"key":"Yamaha Motor Finance Corporation USA","doc_count":1},{"key":"Zip Co US Inc.","doc_count":1}]}},"state":{"doc_count":4323,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"IL","doc_count":985},{"key":"GA","doc_count":363},{"key":"MO","doc_count":347},{"key":"FL","doc_count":328},{"key":"TX","doc_count":298},{"key":"CA","doc_count":283},{"key":"NJ","doc_count":157},{"key":"NY","doc_count":153},{"key":"MI","doc_count":143},{"key":"VA","doc_count":137},{"key":"NC","doc_count":118},{"key":"MD","doc_count":113},{"key":"PA","doc_count":87},{"key":"WI","doc_count":74},{"key":"IN","doc_count":68},{"key":"MA","doc_count":62},{"key":"OH","doc_count":60},{"key":"CO","doc_count":53},{"key":"WA","doc_count":52},{"key":"TN","doc_count":44},{"key":"NV","doc_count":40},{"key":"AZ","doc_count":37},{"key":"AR","doc_count":26},{"key":"SC","doc_count":22},{"key":"AL","doc_count":20},{"key":"LA","doc_count":20},{"key":"OR","doc_count":19},{"key":"MN","doc_count":16},{"key":"UT","doc_count":15},{"key":"DC","doc_count":13},{"key":"MS","doc_count":13},{"key":"OK","doc_count":13},{"key":"CT","doc_count":12},{"key":"DE","doc_count":11},{"key":"NM","doc_count":11},{"key":"KY","doc_count":10},{"key":"IA","doc_count":9},{"key":"ID","doc_count":9},{"key":"NH","doc_count":9},{"key":"KS","doc_count":8},{"key":"ND","doc_count":7},{"key":"RI","doc_count":6},{"key":"WV","doc_count":6},{"key":"HI","doc_count":5},{"key":"PR","doc_count":4},{"key":"WY","doc_count":4},{"key":"ME","doc_count":3},{"key":"AK","doc_count":2},{"key":"MT","doc_count":2},{"key":"NE","doc_count":2},{"key":"GU","doc_count":1},{"key":"SD","doc_count":1},{"key":"VT","doc_count":1}]}},"company_public_response":{"doc_count":4323,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":2027},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":79},{"key":"Company chooses not to provide a public response","doc_count":16},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":7},{"key":"Company disputes the facts presented in the complaint","doc_count":5},{"key":"Company believes complaint is the result of an isolated error","doc_count":4},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":4},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":4},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":1},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":1}]}},"tags":{"doc_count":4323,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":225},{"key":"Older American","doc_count":167},{"key":"Older American, Servicemember","doc_count":62}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[12.158778,"5216323"],"3":[11.660836,"6179577"],"4":[11.349763,"18391104"],"5":[11.066418,"7316604"],"6":[10.865811,"14905438"],"7":[10.634846,"8012915"],"8":[10.5022955,"2734603"]}}}