{"took":194,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":177,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3160676","_score":20.524347,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2019 i filed a dispute request for funds to be deposited to my account prior to the end of investigation. Then at XXXX XXXX i recieved a text stating there may be problem with my card and to call XXXX XXXX   so i did at which time i was informed their risk department closed my account because i was high risk they would not tell me why i was high risk and but they informed me that i can never have an account with net spend or XXXX XXXX ever again because they classified me high risk i requested to talk to supervisor and requested my disputed funds and half my monthly fee because they closed my account right after getting charges and any other funds returned to me and was told they could not do anything and that i would be contacted by corporater that same day but they would not provide me a number to corporate or risk management i received a letter saying my dispute was found in my favor and deposited into my account i have received no calls from corporate or any of my funds or a satifactory outcome from XXXX XXXX or net spend i also just ordered a card for my girlfriend on myx account and so she is high risk and can not open an account with them even though she has had account far longer than i","date_sent_to_company":"2019-02-23T08:13:55.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"971XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3160676","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2019-02-23T02:39:36.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["Then at XXXX XXXX i recieved a text <em>stating</em> there may be problem with my card and to call XXXX XXXX   so i did at <em>which</em> time i was informed their <em>risk</em> <em>department</em> closed my account because i was high <em>risk</em> they would not tell me why i was high <em>risk</em> and but they informed me that i can never <em>have</em> an account with net spend or XXXX XXXX ever again because they classified me high <em>risk</em> i requested to talk to supervisor and requested my disputed funds and half my monthly fee because they closed my account"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[20.524347,"3160676"]},{"_index":"complaint-public-v1","_id":"17230509","_score":18.217232,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"PayPal permanently limited my account without cause and has refused to provide any documentation or explanation for their decision, despite multiple requests and a formal certified-mail dispute. \n\nOn XX/XX/year>, I received an email from PayPal stating : After a review, we decided to permanently limit your account as we found potential risk associated with it... You can no longer use PayPal services. \n\nThis message did not identify any transaction, code, or reason. I had no funds in my account at the time. \n\nXXXX days later, on XX/XX/year>, PayPal sent another message stating, Unfortunately, our decision to close your account is final. PayPal reserves the right to close any account reported to be involved in possible fraudulent or high-risk behavior. I have never engaged in any fraudulent, high-risk, or policy-violating activity. \n\nThe only unusual transaction was an unsolicited {$0.00} deposit from an unknown individual ( XXXX XXXX ) on XX/XX/year>, which I immediately reported as potentially fraudulent. PayPal incorrectly closed that case as consistent with my payment history. It was not. I did not authorize that transaction and had no prior relationship with the sender. \n\nI completed all identity-verification steps, including photo-ID verification, yet my account was permanently closed anyway. \n\nI contacted Customer Support repeatedly through the PayPal Message Center and was told each time that the decision was final and that I could request documentation. When I formally requested that documentation, I received an incoherent message claiming I had disputed received payments, which is factually incorrect. My only dispute involved the unauthorized one-cent deposit mentioned above. \n\nOn XX/XX/year>, I mailed XXXX XXXX and XXXX Department a formal written dispute, via certified mail, requesting : The specific basis for the account closure Identification of any policy or XXXX  codes applied Copies of any internal notes or risk flags used A senior compliance review Assurance of data integrity I have received no response whatsoever. \n\nI am requesting CFPB assistance because PayPal has : Closed my account without explanation or cause, Refused to provide documentation they claimed I could request, Provided contradictory or incorrect information, Ignored a certified-mail dispute packet, and Left a false and damaging risk designation on my account.","date_sent_to_company":"2025-11-13T15:57:59.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"93010","tags":null,"has_narrative":true,"complaint_id":"17230509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-11-13T15:49:23.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX days later, on XX/XX/year>, PayPal sent another message <em>stating</em>, Unfortunately, our decision to close your account is final. PayPal reserves the right to close any account reported to be involved in possible fraudulent or high-<em>risk</em> behavior. I <em>have</em> never engaged in any fraudulent, high-<em>risk</em>, or policy-violating activity."]},"sort":[18.217232,"17230509"]},{"_index":"complaint-public-v1","_id":"12932721","_score":17.924467,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint to report the improper closure of my business accounts and seizure of funds by Bank of America, as well as what I believe to be negligent and unethical handling of the verification process related to a state-issued check. \n\nI operate a business under the name XXXX XXXX XXXX XXXX XXXX, for which I held both a business checking and business savings account at Bank of America. The checking account ended in XXXX. \n\nOn or around XX/XX/year>, I deposited a {$3500.00} check issued by the XXXX XXXX XXXX XXXX XXXX Account. The check number was # XXXX, and it was scheduled to clear on XX/XX/XXXX. \n\nThe following day, on XX/XX/XXXX, Bank of America issued a letter informing me that both my business checking and savings accounts would be closed, and the funds from the deposited check would be seized, as they had allegedly determined the check to be fraudulent. I did not receive this letter until XX/XX/year>. \n\nUpon receiving the notice, I immediately contacted the issuing entity, which confirmed : The check was valid and had been properly issued, Sufficient funds were available, And no stop payment or cancellation had occurred. \n\nI contacted Bank of Americas Risk Closure Department ( XXXX ) and provided them with valid contact information for check verification : XXXX, Attn : XXXX XXXX, ext. XXXX Later, I also provided XXXX, a direct line for financial verification with the state agency. \n\nHowever, Bank of America refused to call either number and instead contacted XXXX, a state employee and inmate locator line unrelated to check verification. Despite multiple clarifications, they insisted they would only call if a specific contact name was providedeven after I explained that the state financial verification line does not assign individual names. \n\nI spoke with several representatives from the Risk Closure Department, including XXXX, XXXX, XXXX, and two individuals named XXXX, all of whom gave conflicting responses. Despite repeatedly stating that their investigation found the check to be fraudulent, they also claimed the funds would remain on hold indefinitely while the investigation continued, and refused to provide a timeline or further explanation. \n\nUnfortunately, Bank of America retained the original check and did not return a copy to me. However, I have documented the check number ( # XXXX ) and have confirmation from the state agency that the check is authentic, funded, and was never revoked. \n\nThis situation has disrupted my business operations, denied me access to legitimate funds, and highlights what I believe to be a breakdown in fair banking practices and basic verification protocol. I made every effort to cooperate with Bank of America and assist in resolving the matter, but my input was dismissed repeatedly without proper cause or due diligence. \n\nI respectfully request the following : 1. That the {$3500.00} in seized funds be released to me or returned to the issuing agency ; 2. That a formal investigation be opened into Bank of Americas Risk Closure Department and its verification procedures ; 3. That I receive documentation outlining how the check was determined to be fraudulent, and what steps were taken in that investigation. \n\nI appreciate your time and attention to this matter and am available to provide any further information needed to support this complaint. \n\nSincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-04-11T20:51:14.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"93560","tags":null,"has_narrative":true,"complaint_id":"12932721","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-04-11T20:44:53.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I spoke with several representatives from the <em>Risk</em> Closure <em>Department</em>, including XXXX, XXXX, XXXX, and two individuals named XXXX, all of whom gave conflicting responses. Despite repeatedly <em>stating</em> that their investigation <em>found</em> the check to be fraudulent, they also claimed the funds would remain on hold indefinitely while the investigation continued, and refused to <em>provide</em> a timeline or further explanation."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.924467,"12932721"]},{"_index":"complaint-public-v1","_id":"9385550","_score":17.546392,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have an online business bank account through Found. I used my debit card to purchase an office supply for less than {$40.00} on the evening of XX/XX/XXXX. The scam company ( XXXX  ) then charged me {$110.00} XXXX times until it hit insufficient funds on the XXXX try. They drained my bank account. \n\nI reported the fraud to Found the very next day, XX/XX/XXXX, via chat. They said I couldn't dispute the charges while they were pending. This was all done by chat, as Found doesn't supply a phone number unless you sign up for higher tiers. I had to sign up for a higher tier just to chat with someone real. \n\nSo, I waited for the charges to go through, then disputed each XXXX. I got a form email response for all XXXX disputes on XX/XX/XXXX ( I disputed the original {$39.00}, since by then I realized I was never going to get my item ). The emails said : \" XXXX received your request to dispute a {$110.00} transaction at XXXX on XX/XX/year>. \n\nA member of our disputes team will follow up after their initial investigation and XXXX ask for more information. \n\nIn the meantime, if you have additional evidence youd like to provide, please reply to this email and attach any relevant documentation. '' I checked after a few days via Found 's chat, and they told me that I might have to wait as long as XXXX business days. I checked again the next week, and was told the same thing. \n\nOn the XXXX business day, XX/XX/XXXX, I tracked down a phone number to call and ask what was going on. The person told me they would send some sort of message to someone in the risk department to provide an update for me. \nSo that day, I finally got an email from the Risk department at Found, which stated that I would have to provide evidence that I contacted the merchant, and also provide the merchant 's response. So, I emailed the scam company, and of course got an email bounce back, because it's a scam company. I've forwarded those emails to Found, and asked for clarification on their email, the part about needing a response from the merchant to be able to complete the investigation. Here 's that email : \" Thank you for your patience. \n\nI wanted to let you know that we've received your recent dispute. \n\nIn order to complete your dispute record, you'll need to submit written documentation ( email or chat ) showing your attempt to resolve this issue with the merchant directly. We will also need to see the merchant 's response to your inquiry. We will not be able to conclude this investigation until this evidence has been provided. \n\nPlease let me know if you have any questions here. '' I'm waiting to hear back from them because I just read on the FTC website that they are supposed to credit my account the money, except for {$50.00}, after XXXX business days while they continue to investigate. I was scammed out of {$1300.00}, and I feel like they are just trying to run out the clock on the investigation, and not have to credit me that money.","date_sent_to_company":"2024-06-29T18:30:22.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"91911","tags":null,"has_narrative":true,"complaint_id":"9385550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Indie Technology DBA Found","date_received":"2024-06-29T18:01:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The person told me they would send some sort of message to someone in the <em>risk</em> <em>department</em> to <em>provide</em> an update for me. \nSo that day, I finally got an email from the <em>Risk</em> <em>department</em> at <em>Found</em>, <em>which</em> <em>stated</em> that I would <em>have</em> to <em>provide</em> evidence that I contacted the merchant, and also <em>provide</em> the merchant 's response. So, I emailed the scam company, and of course got an email bounce back, because it's a scam company."],"company":["Indie Technology DBA <em>Found</em>"]},"sort":[17.546392,"9385550"]},{"_index":"complaint-public-v1","_id":"2861377","_score":15.790116,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The XXXX XXXX XXXX This company ran a criminal background check on for employer XXXX XXXX : XXXX ( FL ) XXXX ( BILLCODE : XXXX ). However, there are some incorrect information was on background. The report also contain information on XXXX XXXX, which is not me and is not connect with me in anyway. The review following information below that is incorrect : Report requested on : XX/XX/2018 Report completed on : XX/XX/2018 Case Comments : Limitations on the DOJ 50 State XXXX XXXX search. 1.  NEVADA : This search does not provide results from the State of Nevada, as by both statute and regulation, information from the Nevada XXXX XXXX Registry web site can not be used for employment purposes and can not be distributed commercially. \n2. OREGON : This search has special conditions from the state of Oregon. Information is only provided for XXXX XXXX who have been designated as XXXX, as provided in ORS 181.585, who have been determined to present the highest risk of reoffending and to require the widest range of notification or are found to be a XXXX XXXX XXXX offender under ORS 144.635. \n*** CONFIDENTIAL BACKGROUND SCREENING REPORT *** ( INFORMATION CONTAINED IN THIS REPORT IS PUBLISHED IN ACCORDANCE WITH FEDERAL AND FL STATE LAWS ) REPORT SUMMARY COMPONENT IDENTIFIERS STATUS RESULT SSN Trace XXXX Complete Complete County Criminal Record XXXX, XXXX XXXX, FL-XXXX Complete Level1 State Criminal Repository XXXX, XXXX XXXX, FL-Florida Department of Law Enforcement Complete Level1 State Criminal Repository XXXX, XXXX XXXX, FL-Florida Department of Law Enforcement Complete Level1 Office of Foreign Assets Control XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Clear Office of Foreign Assets Control XXXX, XXXX XXXX Complete Clear DOJ XXXX XXXX Search XXXX, XXXX XXXX   Complete Level1 DOJ XXXX XXXX Search XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Level1 Enhanced Nationwide Criminal Search XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Complete Enhanced Nationwide Criminal Search XXXX, XXXX XXXX Complete Cl","date_sent_to_company":"2018-04-02T16:30:25.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"32209","tags":null,"has_narrative":true,"complaint_id":"2861377","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sterling Infosystems Inc.","date_received":"2018-04-02T15:54:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Information is only provided for XXXX XXXX who <em>have</em> been designated as XXXX, as provided in ORS 181.585, who <em>have</em> been determined to present the highest <em>risk</em> of reoffending and to require the widest range of notification or are <em>found</em> to be a XXXX XXXX XXXX offender under ORS 144.635. \n*** CONFIDENTIAL BACKGROUND SCREENING REPORT *** ( INFORMATION CONTAINED IN THIS REPORT IS PUBLISHED IN ACCORDANCE WITH FEDERAL AND FL <em>STATE</em> LAWS ) REPORT SUMMARY COMPONENT IDENTIFIERS STATUS RESULT SSN Trace XXXX Complete"]},"sort":[15.790116,"2861377"]},{"_index":"complaint-public-v1","_id":"14843111","_score":15.622442,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX  Phone : XXXX Email : XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Identity Theft Victim Notification & Request for Full Report and Review Subject : Credit Report Used by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Score Reported : XXXX  ( Dated XX/XX/scrub>XXXX XXXX XXXX  ) To Whom It May Concern, I am writing to notify you that I am a victim of identity theft and to request that LexisNexis Risk Solutions ( XXXX  ) take immediate action to review and correct any data associated with me that may be inaccurate, outdated, or fraudulently derived. \n\nOn XX/XX/year>, XXXX denied my credit application using a report and score supplied by your agency, which reflected an unusually low credit score of XXXX. This information does not reflect my legitimate credit profile and is clearly influenced by identity theft and compromised data.\n\nBACKGROUND OF IDENTITY THEFT : My full identityincluding my name, date of birth, Social Security number, mothers maiden name, addresses, phone numbers, and email addresseshas been found on the dark web and is confirmed as compromised. \nI have formally reported this identity theft to : XXXX XXXX Police Department ( Report enclosed, XXXX pages ; XXXX XXXX  assigned ) Federal Trade Commission ( FTC ) IdentityTheft.gov report filed Social Security Administration XXXX XXXX XXXX XXXX  All have fraud alerts in place on my accounts POLICE-ADVISED SECURITY MEASURES : Due to ongoing threats to my identity and sensitive information, I routinely change my phone numbers and email addresses, as recommended by the XXXX XXXX Police Department to protect against continued misuse. These changes should not be interpreted as risky or suspicious behavior in credit models.\n\nYour credit score stated that one factor was : Consumer associated with phone changes Limited history for consumer at this phone These are security-driven changes made for my own protection and should not penalize or lower my creditworthiness, especially in the context of an open identity theft case. \n\n\n\n\nFORMAL REQUESTS UNDER THE FCRA : Provide a full and detailed copy of the consumer report and credit score you supplied to XXXX, including all associated data ( addresses, phones, inquiries, etc. ) Reinvestigate and remove any data or risk factors related to identity theft or protective measures I have taken. \nFlag my file as affected by identity theft. \nRetain and consider the enclosed police report as part of your investigation and verification process. \nIf needed, contact XXXX  XXXX of the XXXX XXXX Police Department for verification. I will also forward any new findings to the detective for further investigation. \n\n\n\n\nPlease confirm in writing that my request and documentation have been received and that you are processing my report and initiating a reinvestigation. \n\nSincerely, XXXX XXXX XXXX Enclosures : XXXX Police Report ( XXXX XXXX Police Department XXXX","date_sent_to_company":"2025-07-23T11:47:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33712","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14843111","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-07-23T11:31:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["FORMAL REQUESTS UNDER THE FCRA : <em>Provide</em> a full and detailed copy of the consumer report and credit score you supplied to XXXX, including all associated data ( addresses, phones, inquiries, etc. ) Reinvestigate and remove any data or <em>risk</em> factors related to identity theft or protective measures I <em>have</em> taken. \nFlag my file as affected by identity theft. \nRetain and consider the enclosed police report as part of your investigation and verification process."]},"sort":[15.622442,"14843111"]},{"_index":"complaint-public-v1","_id":"17907257","_score":14.785378,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/year> at XXXX XXXX, I received a phone call that appeared to come from Affirms official phone number. The caller ID displayed Affirm. The callers impersonated Affirms fraud department, stated that someone was attempting to take out a loan using my account, and said they needed to help block the unauthorized activity. \n\nThis was a caller ID spoofing scam. The scammers used Affirms cloned number to gain my trust and then completed an unauthorized Affirm loan with retailer XXXX under my account. I did not authorize this purchase, I did not receive or benefit from the goods, and I immediately reported this to Affirm. \n\nAffirms first response acknowledged suspected unauthorized activity and stated they had paused credit furnishing while they investigated. \n\nHowever, Affirm later concluded : After a thorough review, our investigation found that the activity was associated with your account, and the loan remains your responsibility. \n\nAffirm is holding me responsible for a fraudulent loan even though : I was the victim of a spoofed caller ID impersonation scam, I reported the scam immediately, The purchase was made by scammers, I have no knowledge of or access to the goods. \n\nAffirm is ignoring clear evidence of fraud and is continuing to insist that I repay the unauthorized loan. \n\nWhy this is a consumer protection issue : Affirm failed to provide adequate fraud protection for its lending system and is attributing liability for a loan created through a widely documented scam tactic ( caller ID spoofing ) that consumers can not reasonably detect. \n\nTheir investigation does not appear to consider : Phone spoofing fraud Account takeover risk Known impersonation scam patterns Consumer reporting protections for unauthorized transactions Affirm is also telling me that I must continue paying the fraudulent loan to avoid negative credit reporting, which creates coercive financial pressure.","date_sent_to_company":"2025-12-04T01:32:41.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"17907257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-12-04T01:19:00.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Their investigation does not appear to consider : Phone spoofing fraud Account takeover <em>risk</em> Known impersonation scam patterns Consumer reporting protections for unauthorized transactions Affirm is also telling me that I must continue paying the fraudulent loan to avoid negative credit reporting, <em>which</em> creates coercive financial pressure."]},"sort":[14.785378,"17907257"]},{"_index":"complaint-public-v1","_id":"3330622","_score":14.564866,"_source":{"product":"Mortgage","complaint_what_happened":"I refinance through XXXX XXXX XXXX, they sold my mortgage to Caliber Home loans in XX/XX/2018 my XXXX payment was Made in XX/XX/2018 I received my property taxes and realized Caliber had not included my fall taxes on a parcel I have which was to be included. I faxed the information at least twice uploaded to my docs which they had requested twice, had numerous email and phone calls. Was even told it was paid at XXXX point in XXXX I received notification from XXXX county courthouse if my taxes were not paid I would risk losing my property to foreclose i made XXXX more calls theast time threatening to refinance because I had received a escrow analysis stating my payment was increasing from {$880.00} to {$1100.00}. I was assured the taxes would be paid and Id be reimbursed any difference due to the taxes not having been paid when I wood have got the fall discount, when my other taxes were paid. I again spoke with someone from escrow about my taxes because I knew they had not increased and they assured me it was correct and the loan officer  at XXXX XXXX XXXX had not reported the correct amount and that was why my account was short and payment increased. I then contacted XXXX XXXX and she assured me that the acct information she provided was correct as XXXX people review it. We then discussed refinancing. I then in the end of XXXX due to having my credit run because I was going to refinance received an offer from Caliber about an FHA refi through them so I spoke with a loan officer in their department who told me there was no way my takes went up that much it was not possible as they had last told me. So again I called the escrow department this time spent almost XXXX minutes trying to explain how they had to have something wrong the gentleman argued with me and said he reviewed it all with his boss and it was correct, after hanging up, i again review my escrow analysis statement and went to the county website punched the tax parcel numbers paid and discovered they had paid my sister who lives beside me with a completely different last name taxes. I the next day contacted Caliber again giving them the tax parcel number that were correct and my sisters, and was assured it would be taken care of by XX/XX/XXXX at the latest, I called again to talk to customer service because the tax department couldnt address the tax from he fall that was paid and I didnt receive credit even though I was promised I would be for it not being paid in XXXX and received foreclosure letters. The woman stated she could see I made several attempts to provide all the information they needed starting in XXXX when i realized it was not paid & it would be escalated also to provide me with the difference. She also told me to call and check on the status. I made several calls being told each time there was no determination. I have had to pay to payments at the increased amount even though Caliber acknowledges they have the wrong parcel. I called in the weekend and was offered no explanation as to why it has not been fixed even though it was given a date if XX/XX/XXXX, I called today and was basically told Im not getting refunded for the fall tax even though I supplied the information to be paid at the discount rate and that I needed to provide them with more information regarding the tax parcel that is mine so they can verify theyre paying the wrong taxes ( my sisters ). I have provided them this information several times and found this mix up which they wouldnt even acknowledge when I asked on my own. I do not feel it is my responsibility to continue to give them the information I already have. I also was told today its not a big deal because I will get my money back, unfortunately it is a struggle to come up with the difference and Im at risk for falling behind on other debt.","date_sent_to_company":"2019-08-06T05:07:52.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"15650","tags":null,"has_narrative":true,"complaint_id":"3330622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Caliber Home Loans, Inc.","date_received":"2019-08-06T00:27:10.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> provided them this information several times and <em>found</em> this mix up <em>which</em> they wouldnt even acknowledge when I asked on my own. I do not feel it is my responsibility to continue to give them the information I already <em>have</em>. I also was told today its not a big deal because I will get my money back, unfortunately it is a struggle to come up with the difference and Im at <em>risk</em> for falling behind on other debt."]},"sort":[14.564866,"3330622"]},{"_index":"complaint-public-v1","_id":"3509293","_score":14.3304825,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The issue is with verification by the use of a cell phone number that I find to be a security risk. My online login password was not going through. I then went on to do a reset. The reset asked me for phone number to text a code. My phone on account is no longer valid. The Agent Walmart Capital One credit card advised the only way is by cell phone to text a code. I said I will then call in to make payments but would like statement mailed and update to a P.O. Box. I had to call in again to make a payment and request statement to find that statement and address was not updated. Second agent was able to take payment and update address. Upon calling Walmart Capital One credit card department to make a payment, the agent verified me through Social, phone number on account and date of birth as is the norm. I advised that Im calling because I am not able to login online. The agent submitted my payment online with no additional verification and then took it upon her self to transfer to see if there is another way for online log in which I really did not want to go through again. The agent I was transfer to checked other possible way and told me the only way is by adding a phone in which I advice I don't have a phone number on my name and the security risk that procedure is being that anyone can call in and provide any phone number to have a code sent. The agent stated that phone number would have to be under my name or system would not update. I advised agent that had previously added a phone number not under my name. I asked if I can send id. Agent stated I could but would need to include a call back number lol. I then advised agent to verify statement was being mailed, agent could not give information because of the phone number as he claimed it to be. I advised agent to check the address. Agent stated he does not see the address I mentioned at all. Well I call in again after trying to use the card and found out that a restriction was placed on the walmart credit card. I contacted capital one and they advised me restriction due to further verification. I explained that the previous agent could not verify phone for online log in but it should not have caused it to block the card it self. I also mentioned that the previous call I was verified through social, phone on account and date of birth. I then requested supervisor. Supervisor was kind enough to stay on phone and assist with email submission of Identification to activate account. The interesting part is that a phone number was still needed to be able to log in online. The other interesting part is that my correct address was on the account so somehow it was updated without having the updated phone number but the previous agent didnt want to go the extra to ask if there is another possible address which would have been the same related to the one I had mentioned to him with the exception of street number being a P.O. Box. So if the supervisor had not assisted the way he did I would not have a statement if incorrect address had been put in, the restriction will not provide any info by phone or allow me to make payment and then that would have put my account in delinquent status. I am still not able to login online so I am killing trees to have them send statement.","date_sent_to_company":"2020-01-26T00:13:20.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"33569","tags":null,"has_narrative":true,"complaint_id":"3509293","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-01-25T23:41:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The agent I was transfer to checked other possible way and told me the only way is by adding a phone in <em>which</em> I advice I don't <em>have</em> a phone number on my name and the security <em>risk</em> that procedure is being that anyone can call in and <em>provide</em> any phone number to <em>have</em> a code sent. The agent <em>stated</em> that phone number would <em>have</em> to be under my name or system would not update. I advised agent that had previously added a phone number not under my name. I asked if I can send id."]},"sort":[14.3304825,"3509293"]},{"_index":"complaint-public-v1","_id":"4869600","_score":14.262293,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint regarding Experian Security Freeze and Associated Customer Support.\n\nExperian have designed a system of enabling and disabling a security freeze that is designed to make the process as inaccessible as possible to consumer attempting to exercise their legal rights to freeze their credit reports. Unalike other credit reporting bureaus, Experian utilizes an antiquated and convoluted system to enable and disable security freezes, designed in such a manner as to force consumers into expensive, paid subscriptions for Experian credit monitoring rather that the free security freeze they are mandated to supply to consumers. \n\nExperian provides customer service numbers that are not in service ( see attached screenshot ), the number provided - XXXX XXXX XXXX - it not listed as in service. \n\nTheir customer credit alert and security freeze line ( XXXX XXXX XXXX ) is automated and provided very limited functionality to do anything other than place a security freeze on the account. The automated line also provided misleading information telling customers they are able to remove the security freezes from their account using this number- which they are not ; no such option exists on this automated line. Further, when a security freeze is enacted via the phone service, the automated system states a PIN will be send via email. The email is never sent regardless of whether an customer has an account with Experian. \n\nFurther, if the stone wall Experian is putting up around accessibility to security freezes was not already enough, the their online, secure document up-load service is also not functioning. Again see attached images. The timeout dialog is present from the moment the page loads. \n\nExperian also provides \" live chat '' service for customer support which are inoperable. However, these service never work, when the live agent chat is 'green ' and list an agent as available the agent immediately becomes unavailable the moment the chat is initiated and chat dialogue ends the chat. Again see attached screenshots of these dialogues. \n\nThese conditions are not temporary or sporadic outages or technical faults. I have tested all of these service on the following dates and time and found the same conditions described above to exist indicating this is permeant state : Wednesday XXXX XXXX, 2021 - XXXX MDT Friday XXXX XXXX, 2021 - XXXX MDT Friday XXXX XXXX, 2021 - XXXX hrs XXXX Monday XXXX XXXX, 2021 - XXXX MDT Tuesday XXXX XXXX, 2021 - XXXX MDT Tuesday XXXX XXXX, 2021 - XXXX MDT This requires customers to send physical copies of SSN, Utility Bills and State / Federal ID to Experian 's 'Security Freeze Department '. This also represents a threat to customers personal information as SSN, address and DOB are mailed in an envelop marked with \" Security Freeze Department '', immediately identifying the content of the letter to any would-be identify thief with the capacity to check Experian 's security freeze policy.\n\nIt is also possible for fraudsters/ pranksters to place a security freeze on accounts which they do not own or are not legally affiliated to simply by knowing the SSN number via Experian 's system. This is a significant risk to consumers.\n\nAs mentioned above the system is designed specifically to cause maximum inconvenience to customers trying to utilize the free security freeze service in order to force them onto one of Experian 's paid subscription services for credit monitoring. It is a consumer right to be able to enact and disable a security freeze, protected by law and Experian should have to ensure accessibility to this function. XXXX and XXXX have very straightforward and simplistic systems that allow this to happen in a few button clicks. \n\nExperian 's practices around 'trigger leads ' needs to be addressed also, and the CFPB should take action to limit credit reporting bureau 's ability to partake in these practices, especially when companies like Experian take it to the extreme and risk customers ' personal and credit information in this activity.","date_sent_to_company":"2021-11-03T06:01:49.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"80516","tags":null,"has_narrative":true,"complaint_id":"4869600","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-11-03T00:16:30.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> tested all of these service on the following dates and time and <em>found</em> the same conditions described above to exist indicating this is permeant <em>state</em> : Wednesday XXXX XXXX, 2021 - XXXX MDT Friday XXXX XXXX, 2021 - XXXX MDT Friday XXXX XXXX, 2021 - XXXX hrs XXXX Monday XXXX XXXX, 2021 - XXXX MDT Tuesday XXXX XXXX, 2021 - XXXX MDT Tuesday XXXX XXXX, 2021 - XXXX MDT This requires customers to send physical copies of SSN, Utility Bills and <em>State</em> / Federal ID to Experian 's 'Security Freeze <em>Department</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.262293,"4869600"]},{"_index":"complaint-public-v1","_id":"8048549","_score":14.049573,"_source":{"product":"Credit card","complaint_what_happened":"Formal Complaint Regarding Disparate Impact and Negative Consequences by JPMorgan Chase Bank, N.A ( CHASE ) Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against JPMorgan Chase Bank, N.A ( CHASE ) regarding what I believe to be disparate impact and disparate treatment in their recent decision to significantly reduce my credit limit from {$2000.00} to {$500.00}. When I initially obtained the credit card in XXXX, my approved starting credit limit was $ XXXX have been a responsible and loyal customer of JPMorgan Chase Bank , N.A ( CHASE ) for the past six years, consistently making on-time payments and maintaining a positive relationship. Since that time, my income and credit have improved substantially, reflecting my commitment to responsible financial management. \n\nHowever, I recently experienced a sudden and substantial reduction in my credit limit, which occurred immediately after I paid off my credit card balance on XX/XX/XXXX. On XX/XX/XXXX, I received a We reviewed your account and adjusted the credit line letter. This has raised serious concerns about the fairness and transparency of JPMorgan Chase Bank, N.A ( CHASE ) 's credit evaluation process and policies. The timing of this decision is particularly perplexing, as the credit limit decrease occurred immediately after I cleared my outstanding balance on XX/XX/XXXX. Subsequently, I noticed the reduction in my credit limit on XX/XX/XXXX. This abrupt change has created financial instability and has a direct impact on my credit utilization ratio which keeps me and consumers with my profile type blocked in a specific credit score profile. \n\nDespite seeking clarification through multiple calls to JPMorgan Chase Bank, N.A ( CHASE ), I received conflicting information from their representatives. The initial assurance that my credit limit would be restored, on XXXX XXXX at XXXX CST, was later contradicted on XX/XX/XXXX, XXXX CST, and I was directed to request a credit limit increase through the risk assessment department. During this process, JPMorgan Chase Bank, N.A ( CHASE ) requested a hard credit pull for reconsideration of my credit limit. I expressed my concern about the impact of a hard inquiry on my credit score and refused the hard pull, instead requesting a soft pull for reconsideration. The representative then stated that my request needed to be reviewed ; 2 days later I received a letter stating they couldnt access my credit report and Id need to call customer service. \n\nOn XX/XX/XXXX, at XXXX CST, I contacted JPMorgan Chase Bank , N.A ( CHASE ) customer service and was told to contact CHASE risk management department. The risk management representative asked several questions, but XXXXne question stood out as potentially discriminatory : \" Where did I get the money to make a large payment? '' I found this question inappropriate and irrelevant to the request for a credit limit increase. Especially since I provided the representative with my action plan to pay off my credit cards as well as my annual income. \n\nUnfortunately, my request for a credit limit increase was denied, on XX/XX/XXXX, leaving me with unanswered questions and financial distress due to the negative impact of this credit limit reduction. I am deeply troubled by the lack of clarity surrounding the reasons for this credit limit reduction. The explanation provided, citing the \" balance to credit limit on other credit cards, '' does not seem to justify such a drastic and disproportionate action. This situation raises concerns of disparate impact, as the decision appears to have an adverse effect on my financial standing compared to others. \n\nAs a responsible and long-standing customer, I believe I deserve fair treatment and a clear understanding of the factors contributing to the recent actions taken against my account. How did my payment initiated an account review that assignment my account to the risk department. How does a loyal JPMorgan Chase Bank, N.A ( CHASE ) customer become a financial risk after paying off their account? \n\nThe substantial reduction in credit limit negatively affects your credit utilization ratio, potentially leading to a lower credit score. A lower credit score may result in higher interest rates for future credit, impacting your ability to secure favorable terms on loans or credit cards. Additionally, a sudden decrease in available credit could disrupt your financial planning and increase financial stress. I am requesting JPMorgan Chase Bank, N.A ( CHASE ) to provide me with a copy of my internal coding information on my account such as demographic information, race, ethnicity, consumer risk analysis etc.\n\nJPMorgan Chase Bank, N.A ( CHASE ) account review procedure adversely affects a specific demographic ( e.g., individuals with a certain credit score or financial profile ), which is considered a disparate impact. Furthermore, the inconsistent information provided by JPMorgan Chase Bank, N.A ( CHASE ) representatives, coupled with the denial of my credit limit increase request, suggests potential disparate treatment. \n\nI kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into my case, examining the potential disparate impact and disparate treatment by JPMorgan Chase Bank, N.A ( CHASE ) towards me and consumers with similar profiles. I am also requesting the Consumer Financial Protection Bureau request and require resolutions to include victim compensation and change in JPMorgan Chase Bank, N.A ( CHASE ) practices that are causing disparate impact and disparate treatment to consumers. \n\nI appreciate your attention to this matter and look forward to a prompt resolution. \n\nSincerely, XXXX XXXX, XXXX XXXX XXXX","date_sent_to_company":"2023-12-22T18:55:24.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"8048549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-12-22T18:42:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["The representative then <em>stated</em> that my request needed to be reviewed ; 2 days later I received a letter <em>stating</em> they couldnt access my credit report and Id need to call customer service. \n\nOn XX/XX/XXXX, at XXXX CST, I contacted JPMorgan Chase Bank , N.A ( CHASE ) customer service and was told to contact CHASE <em>risk</em> management <em>department</em>."]},"sort":[14.049573,"8048549"]},{"_index":"complaint-public-v1","_id":"5312866","_score":13.83231,"_source":{"product":"Mortgage","complaint_what_happened":"Consider this complaint against Wilmington savings fund society Trustee of XXXX trust owner XXXX XXXX XXXX can not be contacted by address on assignment Dated XX/XX/XXXX on assignment XXXX XXXX XXXX as XXXX of XXXX XXXX. XXXX for XXXX XXXX was revoked inactive at time, loan was administered by XXXX Owner XXXX XXXX different companies, This makes loan split between companies as XXXX solutions sold loan with document as proof dated XX/XX/XXXX This Account has been placed from XXXX  XXXX XXXX Which is fraud assignment as loan can not be sold to same company twice. XXXX  XXXX XXXX did not own loan in XXXX. XXXX solution continued to service loan for more than 13 months. At No point when loan disappeared XX/XX/XXXX to today has a default letter been sent. XXXX is in breach of contract as of XX/XX/XXXX as notice of sale was not sent to trustee of chapter XXXX. XXXX XXXX Placed a lien XX/XX/XXXX placing themselves as nominee of their own trust XXXX savings and fund society corrected lien on XX/XX/XXXX. As trustee of XXXX trust all failures must come from WSFS. XXXX XXXX  had an inactive LLC at time of purchase, XXXX trust is not licensed XXXX in the state of Illinois WSFS is engaged in association violating 205 ILCS 635/1-3 as trustee ( 205 ILCS 635/1-3 ) ( from Ch. 17, par. 2321-3 ) Sec. 1-3. Necessity for license ; scope of Act. \n( a ) No person, partnership, association, corporation or other entity shall engage in the business of brokering, funding, originating, servicing or purchasing of residential mortgage loans without first obtaining a license from the Secretary in accordance with the licensing procedure provided in this Article I and such regulations as may be promulgated by the Secretary. \nSec. 1-28. Certificate of registration ; Department of Financial and Professional Regulation. This Section applies only to a limited liability company that intends to provide, or does provide, professional services that require the individuals engaged in the profession to be licensed by the Department of Financial and Professional Regulation. A limited liability company covered by this Section shall not open, operate, or maintain an establishment for any of the purposes for which a limited liability company may be organized under this Act without obtaining a certificate of registration from the Department pursuant to the Professional Limited Liability Company Act. \nXXXX XXXX transfer Allowed XXXXXXXX XXXX XXXX service loan as of XX/XX/XXXX notifying me on XXXX of XXXX. XXXXXXXX XXXX XXXX by correspondence was requested to provide a clear copy of assignment Allonge or endorsement and note loan is missing no change in assignment in MERS no documents of assignment from veripro solutions is not unreasonable. First assignment sent was a copy of countrywide lien from MERS Requesting same information from XXXX, Third response was an assignment of mortgage for XXXX XXXX and a note for my first mortgage. Raising questions of their rights to service loan. I sent letter explaining what they had sent and received a photo copy of exact same information. Tracing loan back and requesting information through CFPB document Dated XX/XX/XXXX was not included. XXXX  XXXX XXXX has document now to verify fraud as they didnt own loan at time. This is the document used to sell to XXXX trust and makes sale faulty For assignment. \nThis is a balloon end mortgage and has been concealed from myself from XX/XX/XXXX until XX/XX/XXXX for what reason. \n( 735 ILCS 5/13-215 ) ( from Ch. 110, par. 13-215 ) Sec. 13-215. Fraudulent concealment. If a person liable to an action fraudulently conceals the cause of such action from the knowledge of the person entitled thereto, the action may be commenced at any time within 5 years after the person entitled to bring the same discovers that he or she has such cause of action, and not afterwards. \nNow 815 ILS 137 ( 815 ILCS 137/25 ) Sec. 25. Good faith dealings ; fraudulent or deceptive practices. A lender must act in good faith in all relations with a borrower, including but not limited to, transferring, dealing in, offering, or making a high risk home loan. \nNo lender shall employ fraudulent or deceptive acts or practices in the making of a high risk home loan, including deceptive marketing and sales efforts. \nI have received nothing but deceit from Planet Home lending information must come from XXXX Trust as trustee after the fact and continuing during your trust, I received a copy of Note XX/XX/XXXX and questioned it authenticity as original, as of today 4 months later I have not received confirmation if document is original. I am requesting WSFS to confirm document is original and can be confirmed by Title Company as legal for refinance. Four months is way too long for verification. \nNow its 10 months and I have stressed my concerns that if I refinance loan and true owner come forth I would be expected to pay. This is not good faith from any of the companies involved in this loan.\n\n( 815 ILCS 137/153 ) Sec. 153. Reporting of violations. The Office and the Department must report to the Attorney General all violations of this Act of which they become aware.\n\n( Source : P.A. 93-561, eff. 1-1-04. ) ( 815 ILCS 137/5 ) Sec. 5. Purpose and construction. The purpose of this Act is to protect borrowers who enter into high risk home loans from abuse that occurs in the credit marketplace when creditors and brokers are not sufficiently regulated in Illinois. This Act is to be construed as a borrower protection statute for all purposes. This Act shall be liberally construed to effectuate its purpose. \nI am in the process of reporting XXXX solutions and XXXX XXXX XXXX. I will file against trust with office of AG for WSFS as trustee of violation, ( 815 ILCS 137/135 ) Sec. 135. Remedies, enforcement, and limitations of liability.\n\n( a ) The remedies provided in t\n\nhis Act are cumulative and apply to persons or entities subject to this Act. ( b ) Any knowing violation of this Act constitutes a violation of the Consumer Fraud and Deceptive Business Practices Act. \n( c ) If any provision of an agreement for a high risk home loan violates this Act, then that provision is unenforceable against the borrower.\n\n( d ) ( 1 ) Any natural or artificial person who purchases or otherwise is assigned or subsequently holds a high risk home loan shall be subject to all affirmative claims and defenses with respect to the loan that the borrower could assert against the lender or broker of the loan, provided that this item ( d ) ( 1 ) shall not apply if the purchaser, assignee or holder demonstrates by a preponderance of the evidence that it : ( A ) has in place, at the time of the purchase, assignment or transfer of the loans, policies that expressly prohibit its purchase, acceptance of assignment or holding of any high risk home loans ; The fraudulent assignment from XXXX XXXX, Breach of contract no notice of sale to trustee in XXXX, documents sent not pertaining to loan, stalling in sending documents, Planet Home lending has still not responded to complaint CFPB date XX/XX/XXXX even after 15 day extension. I expect answer of authenticity to copy of note. First found document was found by XXXX XXXX XX/XX/XXXX by lien filed XXXX trust did not respond to correspondence at that time and can not be found for complaint from any agency, raising the legit of existence. I am requesting mediation in this matter. In Illinois a mortgage loan will default after 90 days lender will send letter of default XXXX solutions is the default cant pay a loan you cant find or receive statements on and has not been reported to agencies to find. I am requesting all documents from XX/XX/XXXX to XX/XX/XXXX should not be hard there are not many.","date_sent_to_company":"2022-03-12T07:45:40.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"610XX","tags":null,"has_narrative":true,"complaint_id":"5312866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WSFS FINANCIAL CORPORATION","date_received":"2022-03-12T02:13:56.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Certificate of registration ; <em>Department</em> of Financial and Professional Regulation. This Section applies only to a limited liability company that intends to <em>provide</em>, or does <em>provide</em>, professional services that require the individuals engaged in the profession to be licensed by the <em>Department</em> of Financial and Professional Regulation."]},"sort":[13.83231,"5312866"]},{"_index":"complaint-public-v1","_id":"2854272","_score":12.836075,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Re : Complaint for XXXX XX/XX/XXXX Resolution : Formal national and state investigation into the credit practices of XXXX and data protections Dear Sir or Madam, I have spent no less than 12 hours on attempting to get to the bottom of how XXXX submitted an unauthorized application for credit in my name. I have been met with nothing but opposition and astonishment that a company of this size and scope has so many flagrant flaws and minimal protections for the consumer. I believe that my experience is not unique and request a full and immediate investigation. \nOverview : I did not apply for credit from XXXX and completed an affidavit to attest to this. I did not attempt to purchase any car in XX/XX/XXXX at the XXXX located at XXXX XXXX XXXX XXXX, MD nor give authorization for my credit to be accessed. I have not looked at any XXXX XXXX or applied for any credit from this company. \nI found that 5 or more companies had my private information and made credit inquiries on behalf of XXXX. The companies, including XXXX XXXX XXXX, XXXX and others state that they were forwarded the info directly from XXXX. \nStatements of Fact 1. I believe that it is part of XXXX 's unethical business practices to NOT securely validate persons that walk into the dealership. Perhaps an overzealous, inexperienced salesperson who is pressured to have activity or a credit agent -- I am unsure ... but what I am sure of is that I did not on person or online authorize any such activity. \na. It is ironic that in speaking to the sale Manager XXXX XXXX at XXXX XXXX in XXXX -- he could not find my name in the system and found nothing at the store level indicating that my name or my presence in the store. I spoke with him on XX/XX/XXXX. \n2. I have asked the credit department both onsite and offsite the following -- -WHAT signatures they have so that it can be compared to mine, what picture ID and other documents. are available to which they have said -- the name, dob and address were fine so they deemed it valid. I asked for an IP address, online info or anything that might possibly link me and validate this request -- they stated that no such policies exist and that they are not required to provide info.\n\n3. I was told that a police report is NOT necessaryand did complete an affidavit. As a consumer why do I need to waste hours of my time and resources to prove that I contest the application? The system is so very flawed. Both XXXX at XXXX and the manager indicated that it was unnecessary but would help? HOW? \nAt the inquiry as to how they received my info I was instructed to complete an affidavit which I submitted all documentation and the affidavit ; they still refuse to admit that they fraudulently obtained my info or allowed someone else to. The Auto Department and specifically credit maintenance -- is not responsive, inept and rude ... they do not give last names but I have talked to XXXX and XXXX  XXXX -- - the director is XXXX XXXX ( never available ) -- - then told XXXX XXXX is the manager of the credit department. This is confusing but reportedly after speaking with XXXX XXXX -- he is the manager and the application was done online and not in the store. There is no clear way of identifying that the person applying is a \" real person '' -- no one knows. There is no request for a copy of a driver 's license online, employment or address verification -- -obviously this is putting all Americans at risk. Their competitors go additional steps ... after checking with XXXX as part of doing due diligence. \n\nOnline applications only requiring -- Name, social, dob,  address, place for employment for any inquiry ... \nThe address XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX GA XXXX fax XXXX. \n2. The actual store that help facilitate this fraud is : XXXX XXXX XXXX XXXX in XXXX, MD phone XXXX fax XXXX XXXX XXXX I have contacted the general manager XXXX XXXX on numerous occasions -- no less than a dozen and to his credit he has contacted me approx 3 times but when I call back no answer. Others in the onsite credit dept have been condescending and nonchalant. I did reach a very nice XXXX XXXX ( referenced above ) who connected me back to a manager ( XXXX ) in credit. However, they have a flawed system of response even in the local store as this has been going on for over a months. \n3. I believe that XXXX does not have the proper security and protections in place to prevent persons from fraudulently attempting to obtain credit at this facility. This is evidenced by the fact that I was TOTALLY unaware of any credit report or identification of any car with this company and now over 5 loan companies were sent my information and have inquiries on my account. I never LOOKED at any XXXX XXXX and only had one episode ( unknown date ) of being on that location 's premise or website. I have for the last 15 years only driven XXXX XXXX and this is not anything that i would entertain as an option. It is unfair to the consumer to have to repeatedly reach out to the offending company, to be belittled, put on hold at best and be spoken to in tones that are horrific and demeaning by persons who work for the company. They do not return calls, have no real consumer protections in place and no methodical approach to answering questions except for -- '' We said so and that's it. '' I have asked for the legal department -- -1. They don't take calls from consumers '' ... I have asked for the investigator and 2. \" They don't take calls from consumers and I have simply asked for manager who are mysteriously never available -- -and there is no assistant manager. \n\nResolution : 1. I request a full investigation of XXXX Credit practices, their privacy policies and safeguards to protect the citizens of Maryland and the United States by a federal and state agency. I request a written report of both the findings, the federal and state laws that may have been violated. In the event that there are no violations ; I request recommendations on the privacy that should be put in place and how your departments and agencies would protect consumers.\n\n2. I request specific review of my complaint and removal of ALL inquiries generated by this unethical company.\n\n3. I request that the practices and policies of XXXX be published and the findings of this investigation into their practices be made available to the public. \nIn closing, I have a XXXX XXXX XXXX mother -- - I just wonder how many persons are at risk. If a person can sit on a computer and repeatedly attempt to apply for credit with no validation points or methods. At some point they may get  lucky and then take the next step with completing a purchase -- -in the case of XXXX it is only with approval do they require valid personal identification like a simple photo id. There concern is that if they give the car to the person that it is them -- -well the person could fraudulently reproduce Ids, etcafter they get the approval. There should be protection from the beginning. This is bigger than my issue -- -it is a matter of consumer protection across the board.","date_sent_to_company":"2018-03-23T18:32:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20906","tags":null,"has_narrative":true,"complaint_id":"2854272","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-03-23T18:32:02.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> asked the credit <em>department</em> both onsite and offsite the following -- -WHAT signatures they <em>have</em> so that it can be compared to mine, what picture ID and other documents. are available to <em>which</em> they <em>have</em> said -- the name, dob and address were fine so they deemed it valid. I asked for an IP address, online info or anything that might possibly link me and validate this request -- they <em>stated</em> that no such policies exist and that they are not required to <em>provide</em> info.\n\n3."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[12.836075,"2854272"]},{"_index":"complaint-public-v1","_id":"2852605","_score":12.827588,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Re : Complaint for XXXX XXXX Resolution : Formal national and state investigation into the credit practices of XXXX and data protections Dear Sir or Madam, I have spent no less than 12 hours on attempting to get to the bottom of how XXXX submitted an unauthorized application for credit in my name. I have been met with nothing but opposition and astonishment that a company of this size and scope has so many flagrant flaws and minimal protections for the consumer. I believe that my experience is not unique and request a full and immediate investigation. \nOverview : I did not apply for credit from XXXX and completed an affidavit to attest to this. I did not attempt to purchase any car in XX/XX/XXXX at the XXXX located at XXXX XXXX XXXX XXXX, MD nor give authorization for my credit to be accessed. I have not looked at any XXXX XXXX or applied for any credit from this company. \nI found that 5 or more companies had my private information and made credit inquiries on behalf of XXXX. The companies, including XXXX XXXX XXXX, XXXX and others state that they were forwarded the info directly from XXXX. \nStatements of Fact 1. I believe that it is part of XXXX 's unethical business practices to NOT securely validate persons that walk into the dealership. Perhaps an overzealous, inexperienced salesperson who is pressured to have activity or a credit agent -- I am unsure ... but what I am sure of is that I did not on person or online authorize any such activity. \na. It is ironic that in speaking to the sale Manager XXXX XXXX at XXXX XXXX in XXXX -- he could not find my name in the system and found nothing at the store level indicating that my name or my presence in the store. I spoke with him on XXXX. \n2. I have asked the credit department both onsite and offsite the following -- -WHAT signatures they have so that it can be compared to mine, what picture ID and other documents. are available to which they have said -- the name, dob and address were fine so they deemed it valid. I asked for an IP address, online info or anything that might possibly link me and validate this request -- they stated that no such policies exist and that they are not required to provide info.\n\n3. I was told that a police report is NOT necessaryand did complete an affidavit. As a consumer why do I need to waste hours of my time and resources to prove that I contest the application? The system is so very flawed. Both XXXX at XXXX and the manager indicated that it was unnecessary but would help? HOW? \nAt the inquiry as to how they received my info I was instructed to complete an affidavit which I submitted all documentation and the affidavit ; they still refuse to admit that they fraudulently obtained my info or allowed someone else to. The Auto Department and specifically credit maintenance -- is not responsive, inept and rude ... they do not give last names but I have talked to XXXX and XXXX  XXXX -- - the director is XXXX XXXX ( never available ) -- - then told XXXX XXXX is the manager of the credit department. This is confusing but reportedly after speaking  with XXXX XXXX -- he is the manager and the  application was done online and not in the store. There is no clear way of identifying that the person applying is a \" real person '' -- no one knows. There is no request for a copy of a driver 's license online, employment or address verification -- -obviously this is putting all Americans at risk. Their competitors go additional steps ... after checking with XXXX as part of doing due diligence. \n\nOnline applications only requiring -- Name, social, dob, address, place for employment for any inquiry ... \nThe address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX fax XXXX. \n2. The actual store that help facilitate this fraud is : XXXX XXXX XXXX XXXX in XXXX, MD phone XXXX fax XXXX XXXX XXXX I have contacted the general manager XXXX XXXX on numerous occasions -- no less than a dozen and to his credit he has contacted me approx 3 times but when I call back no answer. Others in the onsite credit dept have been condescending and nonchalant. I did reach a very nice XXXX XXXX ( referenced above ) who connected me back to a manager ( XXXX ) in credit. However, they have a flawed system of response even in the local store as this has been going on for over a months. \n3. I believe that XXXX does not have the proper security and protections in place to prevent persons from fraudulently attempting to obtain credit at this facility. This is evidenced by the fact that I was TOTALLY unaware of any credit report or identification of any car with this company and now over 5 loan companies were sent my information and have inquiries on my account. I never LOOKED at any XXXX XXXX and only had one episode ( unknown date ) of being on that location 's premise or website. I have for the last 15 years only driven XXXX XXXX and this is not anything that i would entertain as an option. It is unfair to the consumer to have to repeatedly reach out to the offending company, to be belittled, put on hold at best and be spoken to in tones that are horrific and demeaning by persons who work for the company. They do not return calls, have no real consumer protections in place and no methodical approach to answering questions except for -- '' We said so and that's it. '' I have asked for the legal department -- -1. They don't take calls from consumers '' ... I have asked for the investigator and 2. \" They don't take calls from consumers and I have simply asked for manager who are mysteriously never available -- -and there is no assistant manager.\n\nResolution : 1. I request a full investigation of XXXX XXXX practices, their privacy policies and safeguards to protect the citizens of Maryland and the United States by a federal and state agency. I request a written report of both the findings, the federal and state laws that may have been violated. In the event that there are no violations ; I request recommendations on the privacy that should be put in place and how your departments and agencies would protect consumers.\n\n2. I request specific review of my complaint and removal of ALL inquiries generated by this unethical company.\n\n3. I request that the practices and policies of XXXX be published and the findings of this investigation into their practices be made available to the public. \nIn closing, I have a XXXX year old mother -- - I just wonder how many persons are at risk. If a person can sit on a computer and repeatedly attempt to apply for credit with no validation points or methods. At some point they may get lucky and then take the next step with completing a purchase -- -in the case of XXXX it is only with approval do they require valid personal identification like a simple photo id. There concern is that if they give the car to the person that it is them -- -well the person could fraudulently reproduce Ids, etcafter they get the approval. There should be protection from the beginning. This is bigger than my issue -- -it is a matter of consumer protection across the board.","date_sent_to_company":"2018-03-23T18:32:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20906","tags":null,"has_narrative":true,"complaint_id":"2852605","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-23T18:32:02.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> asked the credit <em>department</em> both onsite and offsite the following -- -WHAT signatures they <em>have</em> so that it can be compared to mine, what picture ID and other documents. are available to <em>which</em> they <em>have</em> said -- the name, dob and address were fine so they deemed it valid. I asked for an IP address, online info or anything that might possibly link me and validate this request -- they <em>stated</em> that no such policies exist and that they are not required to <em>provide</em> info.\n\n3."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[12.827588,"2852605"]},{"_index":"complaint-public-v1","_id":"2852604","_score":12.82061,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Re : Complaint for XXXX XXXX XXXX : Formal national and state investigation into the credit practices of XXXX and data protections Dear Sir or Madam, I have spent no less than 12 hours on attempting to get to the bottom of how XXXX submitted an unauthorized application for credit in my name. I have been met with nothing but opposition and astonishment that a company of this size and scope has so many flagrant flaws and minimal protections for the consumer. I believe that my experience is not unique and request a full and immediate investigation. \nOverview : I did not apply for credit from XXXX and completed an affidavit to attest to this. I did not attempt to purchase any car in XX/XX/2017 at the XXXX located at XXXX XXXX XXXX XXXX, MD nor give authorization for my credit to be accessed. I have not looked at any XXXX XXXX or applied for any credit from this company. \nI found that 5 or more companies had my private information and made credit inquiries on behalf of XXXX. The companies, including XXXX XXXX XXXX, XXXX and others state that they were forwarded the info directly from XXXX. \nStatements of Fact 1. I believe that it is part of XXXX XXXX unethical business practices to NOT securely validate persons that walk into the dealership. Perhaps an overzealous, inexperienced salesperson who is pressured to have activity or a credit agent -- I am unsure ... but what I am sure of is that I did not on person or online authorize any such activity. \na. It is ironic that in speaking to the sale Manager XXXX XXXX at XXXX XXXX in XXXX -- he could not find my name in the system and found nothing at the store level indicating that my name or my presence in the store. I spoke with him on XXXX. \n2. I have asked the credit department both onsite and offsite the following -- -WHAT signatures they have so that it can be compared to mine, what picture ID and other documents. are available to which they have said -- the name, dob and address were fine so they deemed it valid. I asked for an IP address, online info or anything that might possibly link me and validate this request -- they stated that no such policies exist and that they are not required to provide info. \n3. I was told that a police report is NOT necessaryand did complete an affidavit. As a consumer why do I need to waste hours of my time and resources to prove that I contest the application? The system is so very flawed. Both XXXX at XXXX and the manager indicated that it was unnecessary but would help? HOW? \nAt the inquiry as to how they received my info I was instructed to complete an affidavit which I submitted all documentation and the affidavit ; they still refuse to admit that they fraudulently obtained my info or allowed someone else to. The Auto Department and specifically credit maintenance -- is not responsive, inept and rude ... they do not give last names but I have talked to XXXX and XXXX  XXXX -- - the director is XXXX XXXX ( never available ) -- - then told XXXX XXXX is the manager of the credit department. This is confusing but reportedly after speaking with XXXX XXXX -- he is the manager and the application was done online and not in the store. There is no clear way of identifying that the person applying is a \" real person '' -- no one knows. There is no request for a copy of a driver 's license online, employment or address verification -- -obviously this is putting all Americans at risk. Their competitors go additional steps ... after checking with XXXX as part of doing due diligence. \n\nOnline applications only requiring -- Name, social, dob,  address, place for employment for any inquiry ... \nThe address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX fax XXXX. \n2. The actual store that help facilitate this fraud is : XXXX XXXX XXXX XXXX in XXXX, MD phone XXXX fax XXXX XXXX XXXX I have contacted the general manager XXXX XXXX on numerous occasions -- no less than a dozen and to his credit he has contacted me approx 3 times but when I call back no answer. Others in the onsite credit dept have been condescending and nonchalant. I did reach a very nice XXXX XXXX ( referenced above ) who connected me back to a manager ( XXXX ) in credit. However, they have a flawed system of response even in the local store as this has been going on for over a months. \n3. I believe that XXXX does not have the proper security and protections in place to prevent persons from fraudulently attempting to obtain credit at this facility. This is evidenced by the fact that I was TOTALLY unaware of any credit report or identification of any car with this company and now over 5 loan companies were sent my information and have inquiries on my account. I never LOOKED at any XXXX XXXX and only had one episode ( unknown date ) of being on that location 's premise or website. I have for the last 15 years only driven XXXX XXXX and this is not anything that i would entertain as an option. It is unfair to the consumer to have to repeatedly reach out to the offending company, to be belittled, put on hold at best and be spoken to in tones that are horrific and demeaning by persons who work for the company. They do not return calls, have no real consumer protections in place and no methodical approach to answering questions except for -- '' We said so and that's it. '' I have asked for the legal department -- -1. They don't take calls from consumers '' ... I have asked for the investigator and 2. \" They don't take calls from consumers and I have simply asked for manager who are mysteriously never available -- -and there is no assistant manager.\n\nResolution : 1. I request a full investigation of XXXX Credit practices, their privacy policies and safeguards to protect the citizens of Maryland and the United States by a federal and state agency. I request a written report of both the findings, the federal and state laws that may have been violated. In the event that there are no violations ; I request recommendations on the privacy that should be put in place and how your departments and agencies would protect consumers.\n\n2. I request specific review of my complaint and removal of ALL inquiries generated by this unethical company.\n\n3. I request that the practices and policies of XXXX be published and the findings of this investigation into their practices be made available to the public. \nIn closing, I have a XXXX year old mother -- - I just wonder how many persons are at risk. If a person can sit on a computer and repeatedly attempt to apply for credit with no validation points or methods. At some point they may get  lucky and then take the next step with completing a purchase -- -in the case of XXXX it is only with approval do they require valid personal identification like a simple photo id. There concern is that if they give the car to the person that it is them -- -well the person could fraudulently reproduce Ids, etcafter they get the approval. There should be protection from the beginning. This is bigger than my issue -- -it is a matter of consumer protection across the board.","date_sent_to_company":"2018-03-23T18:32:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20906","tags":null,"has_narrative":true,"complaint_id":"2852604","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-03-23T18:32:02.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> asked the credit <em>department</em> both onsite and offsite the following -- -WHAT signatures they <em>have</em> so that it can be compared to mine, what picture ID and other documents. are available to <em>which</em> they <em>have</em> said -- the name, dob and address were fine so they deemed it valid. I asked for an IP address, online info or anything that might possibly link me and validate this request -- they <em>stated</em> that no such policies exist and that they are not required to <em>provide</em> info. \n3."]},"sort":[12.82061,"2852604"]},{"_index":"complaint-public-v1","_id":"16204812","_score":12.734925,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing this complaint because NACA ( Neighborhood Assistance Corporation of America ) is withholding our Escrow Ledger, which is a critical financial document. The document is titled : XXXX XXXX XXXX XXXX XXXX XXXX. \n\nWe requested this ledger repeatedly by email, starting on XX/XX/year>. Our requests went unanswered until XX/XX/year>, when NACAs Head of the HAND ( Home and Neighborhood Development ) Department, XXXX XXXX, wrote that the ledger would only be provided once we gave a new completion timeline for our rehab project. \n\nBy conditioning the release of our escrow ledger on unrelated requirements, NACAs HAND Department is violating our rights under RESPA ( 12 U.S.C. 2605 ) and its implementing regulation, Regulation X ( 12 C.F.R. 1024.36 ), which require timely responses to borrower requests for information, including escrow account records. \n\nThe ledger is important because it shows what has been paid out and what funds remain in escrow. We recently completed arbitration, where our contractors claim was reduced from {$22000.00} to {$2500.00}, and that payment has already been authorized. Because arbitration resolved all contractor claims, there is no legitimate reason to withhold our ledger. The ledger is needed to confirm the final payment disbursement, document our current balance, and make informed decisions about finishing our project.\n\nThe arbitrator found that the contractor and his business partners engaged in delayed and substandard work, which created significant obstacles to completing the project. NACAs current refusal to provide the escrow ledger unless we meet unrelated conditions mirrors this same pattern of creating barriers and delays. Both actions prevent us from moving forward efficiently and from meeting our obligations under the rehab agreement. \n\nThis is also not the first time our ledger was delayed. In XXXX XXXX, I emailed Escrow Coordinator XXXX XXXX multiple times requesting an updated ledger. Despite her verbal assurance that it had been sent, most of our emails went unanswered. I ultimately only received a response after raising concerns that the delay was tied to the contractors business partners connections to NACA.\n\nThe contractors business partner/co-owner publicly advocates for and promotes the NACA program . In an arbitration document, the co-owner also stated they were scheduled to begin over {$210000.00} in contracts with NACA during the very time we were actively involved in arbitration, raising further concerns about conflicts of interest.\n\nWithholding this documentation is impeding our ability to confirm that arbitration payments were completed, track our escrow balance, and pursue additional remedies needed to complete the scope of work. This ongoing delay in providing our financial document is especially concerning because it continues a pattern of deliberate delays that have already put us at risk of facing foreclosure, as outlined in our rehab agreement with NACA and the lender.","date_sent_to_company":"2025-09-26T16:44:48.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"11212","tags":null,"has_narrative":true,"complaint_id":"16204812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Neighborhood Assistance Corporation of America (\"NACA\")","date_received":"2025-09-26T16:28:40.000Z","state":"NY","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["This ongoing delay in providing our financial document is especially concerning because it continues a pattern of deliberate delays that <em>have</em> already put us at <em>risk</em> of facing foreclosure, as outlined in our rehab agreement with NACA and the lender."]},"sort":[12.734925,"16204812"]},{"_index":"complaint-public-v1","_id":"18244302","_score":12.704027,"_source":{"product":"Checking or savings account","complaint_what_happened":"Abound XXXX XXXX mishandled a mobile deposit, failing to provide timely notice of a returned item, and refusing to furnish required documentation. Despite my 17 years of membership, Abounds actions have rendered my account delinquent and caused financial harm. \n\nXXXX XXXX On XX/XX/2025, I deposited an escrow refund check, my husband received from XXXX XXXX in the amount of {$920.00} via mobile deposit. \nOn XX/XX/2025, the deposit was approved and credited to my account by the end of the business day, at which time I transferred {$820.00} to my husbands savings account. \nBetween XX/XX/2025, Abound placed a check hold of {$640.00} without notice of the reason or duration. \nOn XX/XX/2025, I contacted Abound via secure messaging and telephonic, during wich time XXXX XXXX released the hold and confirmed the funds were available. I verfied that the funds indeed were released, relying on this assurance, I paid my bills. \nOn XX/XX/2025, I checked my account again, as i was going to pay additional bills, and found that Abound reversed the entire deposit, debiting {$920.00} and rendering my account delinquent. \n- As a direct result of Abound XXXX XXXX reversal of the {$920.00} deposit without timely notice, my scheduled payments have been disrupted. A payment scheduled for Saturday, XX/XX/XXXX did not clear, and another payment scheduled for XX/XX/XXXX is now at risk of failing. I relied on Abounds written and verbal assurances that the funds were available, and I acted in good faith by paying my bills accordingly. The reversal has rendered my account delinquent and jeopardized my payment history, despite years of flawless financial responsibility. \nWhen I contacted Abound, I was told XXXX Bank rejected the check as altered/fictitious. When I requested proof, I was informed by staff ( XXXX, XXXX, XXXX ) that no documentation could be provided and that I could not speak with the department responsible. \nXXXX later stated the department intended to mail me notice within XXXX business days, which is inadequate given the immediate delinquency caused. She emailed me information but failed to include the actual image of the returned check. \nDespite repeated escalation requests, I was denied access to senior leadership and routed back to call center supervisors. \nXXXX XXXX has confirmed the check was valid and agreed to reissue it. \nXXXX and Legal Failures Regulation CC ( 12 C.F.R. Part 229 ) : Requires prompt and accurate notice when a check is subject to a hold or returned unpaid. Abound failed to provide timely notice of both the hold and the reversal, and relied on delayed mail rather than immediate communication. \nXXXX Articles XXXX & XXXX : Define alteration as an unauthorized change to a negotiable instrument that modifies the obligation of a party. A mere assertion of alteration, without evidence, does not satisfy the duty of ordinary care owed by the depository bank. \nTransparency Failure : Abound refused to furnish the official return notice ( Image Return Document ) from XXXX Bank, preventing me from verifying the alleged dishonor. \nFiduciary Breach : Abound provided contradictory assurances, failed to follow through on promised explanations, and denied escalation to XXXX leadership.","date_sent_to_company":"2026-04-27T16:23:13.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"49506","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"18244302","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"TClub Inc","date_received":"2025-11-10T21:12:59.000Z","state":"MI","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Bounced checks or returned payments"},"highlight":{"complaint_what_happened":["When I requested proof, I was informed by staff ( XXXX, XXXX, XXXX ) that no documentation could be provided and that I could not speak with the <em>department</em> responsible. \nXXXX later <em>stated</em> the <em>department</em> intended to mail me notice within XXXX business days, <em>which</em> is inadequate given the immediate delinquency caused. She emailed me information but failed to include the actual image of the returned check."]},"sort":[12.704027,"18244302"]},{"_index":"complaint-public-v1","_id":"18260998","_score":12.488342,"_source":{"product":"Credit card","complaint_what_happened":"I am writing in regards to a XXXX XXXX branded XXXX XXXX XXXX XXXX  XXXX issued by Synchrony Bank. I have been a XXXX XXXX  member and credit card holder since XXXX. \nAccount number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had intermittent issues with my XXXX XXXX credit card not being read at card readers for some time. On XX/XX/XXXX my card was declined three consecutive times at a XXXX XXXX gas station in XXXX XXXX Florida. As a result, I immediately contacted the Synchrony fraud department. The representative stated it was most likely a defective chip in the card as there were no fraud alerts on my card and the remedy would be card replacement. I stated I would try using it for a XXXX XXXX purchase within the store located adjacent to the gas station before requesting a replacement card. Two purchases processed without incident at the XXXX XXXX checkout shortly after my phone call. A few days later the card reader again displayed a declined message at a XXXX store in XXXX XXXX. That decline prompted me to request a replacement card by phone after learning there were once again no fraud alerts on my card and to have it mailed to my Florida address. \nThe challenge I am writing about began when I tried to activate the replacement card. None of the Easy ways to activate included with the replacement card instructions worked. That prompted me to contact the Synchrony phone number listed on the back of the card on XX/XX/XXXX. After standard verification questions, I was routed to the Synchrony fraud department. I was then told to submit a five second video as identity verification with no explanation as to why the request was being made. My response was that is an absurd request as you have no way of validating my identity from a video and the request was an extreme violation of my privacy that would be retained electronically virtually forever. I was offered a second option of providing a copy of my drivers license accompanied by a copy of a utility bill or other similar documentation. I again refused such an absurd request that had no merit in validating my identity. In addition, no secure transmission method was provided for either option. Unsecure transmission of such personal information has the potential to put me at great risk of identity theft. The response from the representative was those are the only two options.\n\nI then requested the call be escalated to a manager. The next few people I spoke with were beyond rude and extremely unprofessional, one repeatedly talking over me and another refusing to provide her name or location as I made repeated requests to have the call escalated. I was finally directed to XXXX. XXXX was very professional in listening to my concerns as well as trying to provide context related to the issue at hand. XXXX stated he was the highest level of authority available on a Saturday. XXXX also stated that he, even as a manager, did not have access to details as to why my account was now locked and affirmed the only two validation options were as noted previously. I again stated there was no way those options could validate my identity and were beyond intrusive. XXXX stated my objection was a common complaint. Reiterating he did not have access to additional information or the authority to provide another avenue for resolution. I then requested direct dial contact information if follow-up were necessary. XXXX stated there was no direct dial contact available and other managers would be able to review his notes should I call back during regular Monday Friday business hours. XXXX also stated I would be receiving an email with additional information within twenty-four hours. \nAt XXXX XXXX ( est ), on XX/XX/XXXX, I called Synchrony to inquiry about the status of the email I had not received. Unfortunately, my conversation again began with a very unprofessional and discourteous representative. Unable again to elicit a positive response. No one I spoke with was able to provide an update, other than the scripted response of youll get an email with further instructions. Again, being very frustrated, I terminated the call. \nLater in the day on XX/XX/XXXX, email time stamp XXXX XXXX  after more than forty-eight hours I received an email from Synchrony that included a link to additional information. At that time, I was able to access the letter, which included the same information that I was provided verbally previously. The letter stated that if I needed further information, I would need to contact the fraud department at XXXX. \nAfter reading that information on XX/XX/XXXX, I called the phone number listed on my card and was immediately routed to the fraud department with no other option. I was met with much of the same unprofessional, discourteous and very rude attitudes that I initially experienced on both XX/XX/XXXX and the first call on XX/XX/XXXX. I stated I had reported no suspicious activity, had no unauthorized charges and my account was current after reviewing my most recent statement activity. It once again fell on deaf ears. \nI then began searching the internet for information and potential solutions related to Synchrony Bank credit card issues. I was surprised to find a host of information related to the customer disservice I had received from Synchrony Bank staff. Apparently, customer disservice is the Synchrony Bank business model. None of the information I found offered potential solutions other than contacting senators, congressional representatives or government agencies. I also tried contacting XXXX XXXX directly for assistance. I was immediately transferred right back to Synchrony card services with no explanation. \nThis is also not the first time I have had issues with the Synchrony fraud department. It is a matter of practice for Synchrony Bank to lock cards with no explanation, though this is the first time I have not been able to resolve an issue. There is no other bank card that I have, inclusive of XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX that lock cards without notification if there is suspicious activity. \nI also currently have a XXXX XXXX score of XXXX and XXXX XXXX of XXXX, nearly {$100000.00} in card limits and no credit alerts of any kind from any of my credit monitoring services. Please help, I currently pay for a {$100.00} membership fee that I can not use and have lost XXXX rewards credits as depicted in the attached document provided by Synchrony Bank. I am at a total loss having worked in the banking industry interacting with our fraud department on almost a daily basis. This is an established card account that has never had a late payment. I am being subjected to scrutiny that other card holders are not, which I find very discriminatory. I am not buying a new XXXX or a home on the beach to deserve this type of subprime borrowing requirements for an established credit card. My information, including the mailing address on the replacement card, can be easily validated through publicly available information or a variety of commercial tools currently available for fraud alerts and detection without subjecting me to the potential of identity theft with the advent of AI. Even the XXXX allows individuals to opt out of facial recognition, however, not Synchrony Bank. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-23T22:29:46.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"33905","tags":"Older American","has_narrative":true,"complaint_id":"18260998","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-12-23T22:13:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["At that time, I was able to access the letter, <em>which</em> included the same information that I was provided verbally previously. The letter <em>stated</em> that if I needed further information, I would need to contact the fraud <em>department</em> at XXXX. \nAfter reading that information on XX/XX/XXXX, I called the phone number listed on my card and was immediately routed to the fraud <em>department</em> with no other option."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[12.488342,"18260998"]},{"_index":"complaint-public-v1","_id":"14828819","_score":12.474373,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/year> To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Identity Theft Victim Notification & Request for Full Report and Review Subject : Credit Report Used by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Score Reported : XXXX ( Dated XX/XX/year> ) To Whom It May Concern, I am writing to notify you that I am a victim of identity theft and to request that XXXX XXXX XXXX ( SageStream ) take immediate action to review and correct any data associated with me that may be inaccurate, outdated, or fraudulently derived. \n\nOn XX/XX/year>, XXXX denied my credit application using a report and score supplied by your agency, which reflected an unusually low credit score of XXXX. This information does not reflect my legitimate credit profile and is clearly influenced by identity theft and compromised data. \n\n\n\n\nBACKGROUND OF IDENTITY THEFT : My full identityincluding my name, date of birth, Social Security number, mothers maiden name, addresses, phone numbers, and email addresseshas been found on the dark web and is confirmed as compromised. \nI have formally reported this identity theft to : XXXX XXXX Police Department ( Report enclosed, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Federal Trade Commission ( FTC ) XXXX report filed Social Security XXXX Equifax, XXXX XXXX XXXXn All have fraud alerts in place on my accounts POLICE-ADVISED SECURITY MEASURES : Due to ongoing threats to my identity and sensitive information, I routinely change my phone numbers and email addresses, as recommended by the XXXX XXXX Police Department to protect against continued misuse. These changes should not be interpreted as risky or suspicious behavior in credit models. \n\nYour credit score stated that one factor was : Consumer associated with phone changes Limited history for consumer at this phone These are security-driven changes made for my own protection and should not penalize or lower my creditworthiness, especially in the context of an open identity theft case. \n\n\n\n\nFORMAL REQUESTS UNDER THE FCRA : Provide a full and detailed copy of the consumer report and credit score you supplied to XXXX, including all associated data ( addresses, phones, inquiries, etc. ) Reinvestigate and remove any data or risk factors related to identity theft or protective measures I have taken. \nFlag my file as affected by identity theft. \nRetain and consider the enclosed police report as part of your investigation and verification process. \nIf needed, contact XXXX. XXXX of the XXXX XXXX Police Department for verification. I will also forward any new findings to the detective for further investigation. \n\n\n\n\nPlease confirm in writing that my request and documentation have been received and that you are processing my report and initiating a reinvestigation. \n\nSincerely, XXXX XXXX XXXX Enclosures : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-23T11:47:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33712","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14828819","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-23T11:47:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["FORMAL REQUESTS UNDER THE FCRA : <em>Provide</em> a full and detailed copy of the consumer report and credit score you supplied to XXXX, including all associated data ( addresses, phones, inquiries, etc. ) Reinvestigate and remove any data or <em>risk</em> factors related to identity theft or protective measures I <em>have</em> taken. \nFlag my file as affected by identity theft. \nRetain and consider the enclosed police report as part of your investigation and verification process. \nIf needed, contact XXXX."]},"sort":[12.474373,"14828819"]},{"_index":"complaint-public-v1","_id":"2430205","_score":12.389088,"_source":{"product":"Bank account or service","complaint_what_happened":"Good morning. I would like to file a complaint against M and T bank, specifically the dispute department, as I strongly feel that they did not take my dispute against a transaction I made back in XX/XX/XXXX very seriously, or do what they could to protect my funds. The problem first occurred when I purchased XXXX tickets for a XXXX through a company called XXXX. I purchased the tickets through them because of the seating and sections they had available, as we had a large number of children going and we needed to sit together. Once I purchased the tickets I got an email with the tickets sections moved all over the place ( not in the sections I ordered ). The company would n't let me have a refund ( {$850.00} ) for the tickets so I filed a dispute with M and T bank ( my bank ). The tickets were purchased on XX/XX/XXXX and the dispute was filed the same day. XXXX claims that they hold the right to move sections around or upgrade them if needed, which I did find that it does state that about XXXX paragraphs down in the fine print. However, that is no longer what my dispute with them is about. While waiting for the results of the dispute the date of the XXXX show arrived and we were faced with making the choice of not going to the show and risking losing the dispute/money spent on the tickets AND missing the show, or just dealing with the seating arrangements and still going to the show and forgetting the dispute. Not wanting to upset of bunch of little girls, we decided to just go to the show and deal with the seating changes. However, once we got to the show we found out that the tickets we purchased were invalid and we could n't get in with them. I also found out that the seats had been sold to someone else. I have a representative from the venue that can back up my complaint and was willing to verify all of this with the bank to help me win my dispute. So now XXXX is no only getting my money for the tickets, but also someone else 's who was actually able to use the tickets they bought. I do n't understand how M and T can find it fair that XXXX knew they made the tickets invalid, yet never told me that, and knew they were n't going to work once the show arrived, yet still feel that they are entitled to my money. If the tickets were n't going to work during the time of the show then I should have been guaranteed my money back, especially if they got the money from a third party. Also, a friend of mine who was going to go to the show with us filed the SAME dispute on the SAME day for the SAME reason because of the seating changes and her bank got her all her money back. I can provide a letter from her bank verifying this. So my question is why was XXXX willing to give her all of her money back but not me when the case and dispute are exactly the same? I feel that I provided M and T bank with very strong evidence to support my dispute but they did little with it. I provided them with a letter explaining the whole situation, the tickets with the word \" invalid '' written on each one followed by the date and initials of the representative at the venue, the business card of the representative so he could be contacted, and I have an email from XXXX stating that they made the tickets invalid prior to the show. The problem with the dispute department at M and T is that they ca n't be contacted for any reason. You can only fax information to them, which made it hard. I am hoping that you can help me get my money back, and soon. I received a letter YESTERDAY that I lost the case and that they will be taking my {$850.00} out of my account TOMORROW. I do n't think this is fair and truly can not afford to spend that kind of money on a XXXX show. I am happy to provide you with any information you need to help win this and keep my money in my account.","date_sent_to_company":"2017-04-11T14:48:09.000Z","issue":"Using a debit or ATM card","sub_product":"Other bank product/service","zip_code":"14075","tags":null,"has_narrative":true,"complaint_id":"2430205","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2017-04-11T14:48:08.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The company would n't let me <em>have</em> a refund ( {$850.00} ) for the tickets so I filed a dispute with M and T bank ( my bank ). The tickets were purchased on XX/XX/XXXX and the dispute was filed the same day. XXXX claims that they hold the right to move sections around or upgrade them if needed, <em>which</em> I did find that it does <em>state</em> that about XXXX paragraphs down in the fine print. However, that is no longer what my dispute with them is about."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[12.389088,"2430205"]},{"_index":"complaint-public-v1","_id":"3103143","_score":11.866734,"_source":{"product":"Debt collection","complaint_what_happened":"The Creditors Collection Bureau Inc. placed a medical collection on my credit report in XX/XX/2018 ... I initiated contact with a CERTIFIED request for a \" Validation of Debt '' ... and other pertinent legal information .My letter specifically asked for Validation and not a mere Verification of Debt ... This is a copy of the language sent to the collection agency .... '' Attention : Collection Manager / Legal Department : File # XXXX This letter is the being sent to you in response to a reporting to the credit bureaus ( XXXX XXXX , XXXX  & XXXX  ). Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I, respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; and provide a copy of the original contract bearing my signature ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ( Illinois ) and a current bond on your company ; Provide me with your license numbers and Registered Agent ; At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately! I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose.\n\nPlease Take Note And Govern Yourself Accordingly. \n\nXXXX XXXX Creditors Collection Bureau Inc. responded to me by sending me a VERIFICATION of an alleged debt ... They sent me and Itemized copy of confidential medical information that is specifically protected under the Federal Hippa privacy rule subsection \" PHI '' ( protected health information ) and are therefore in breach of the Federal Hippa Rule which is defined as follows.. '' Definition of Breach. A breach of protected health information ( PHI ) is defined as the acquisition, access, use, or disclosure of unsecured PHI, in a manner not permitted by HIPAA, which poses a significant risk of financial, reputational, or other harm to the affected individual ... .after receipt of these documents from Creditors Collection Bureau Inc . I replied to them with a CERTIFIED letter of a \" Refusal to Contract '' which was received by the collection agency on XX/XX/2018 and gave them 15 days to respond ... as of today I have yet to receive a response to my refusal to contract letter and they have not removed the erroneous collection from my credit bureau..","date_sent_to_company":"2018-12-19T05:04:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"60438","tags":"Servicemember","has_narrative":true,"complaint_id":"3103143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Creditors Collection Bureau, Inc.","date_received":"2018-12-19T04:26:07.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I, respectfully request that your offices <em>provide</em> me with competent evidence that I <em>have</em> any legal obligation to pay you."]},"sort":[11.866734,"3103143"]},{"_index":"complaint-public-v1","_id":"13289765","_score":11.797971,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint and dispute regarding what I believe to be unauthorized access to my sensitive personal and financial information related to my federal student loans. I am deeply concerned that this access may have led to inaccuracies on my credit report and puts me at significant risk of identity theft.\n\nMy primary concern is that one or more entities associated with the U.S. government ( potentially including the Department of Education, its contractors, or loan servicers ) have allowed unauthorized third parties to access my student loan data without my explicit knowledge or consent.\n\nI did not authorize any third party, outside of the necessary entities directly involved in servicing my loan according to standard procedures, to access, view, or utilize my student loan information. This unauthorized access is a serious breach of my privacy. \n\nI believe this situation potentially violates federal laws designed to protect consumer financial information and personal data privacy, such as the Privacy Act of 1974, potentially the Fair Credit Reporting Act ( FCRA ) if this has impacted my credit report, and other regulations governing the handling of student loan information. The government has a responsibility to safeguard the sensitive data it collects and maintains, and I believe it has failed in this duty by permitting this unauthorized access.\n\nSpecifically, I request that the CFPB investigate the following : 1. How and when unauthorized third parties gained access to my student loan data.\n\n2. Which specific government agencies, contractors, or servicers were involved or responsible for this data exposure.\n\n3. Whether my data was accessed, used, or shared inappropriately by these third parties.\n\n4. The steps being taken to rectify this breach, secure my data, and prevent future occurrences.\n\n5. The impact this may have had on my credit report and any steps needed to correct potential inaccuracies or fraudulent activity.\n\nPlease find attached copies of any relevant documents, such as [ Mention any documents you are attaching, e.g., credit report sections, communication with servicers, etc. If none, remove this sentence or state \" I can provide further documentation upon request. \" ].\n\nI request a thorough investigation into this matter and expect corrective action to be taken against any parties found responsible. I also request information on steps I can take to protect myself from identity theft resulting from this potential data exposure and assistance in correcting any related credit reporting issues.\n\nThank you for your time and attention to this critical matter. I look forward to your prompt response and investigation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-02T04:19:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"799XX","tags":null,"has_narrative":true,"complaint_id":"13289765","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2025-05-02T04:18:50.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am deeply concerned that this access may <em>have</em> led to inaccuracies on my credit report and puts me at significant <em>risk</em> of identity theft.\n\nMy primary concern is that one or more entities associated with the U.S. government ( potentially including the <em>Department</em> of Education, its contractors, or loan servicers ) <em>have</em> allowed unauthorized third parties to access my student loan data without my explicit knowledge or consent."]},"sort":[11.797971,"13289765"]},{"_index":"complaint-public-v1","_id":"13289986","_score":11.787145,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint and dispute regarding what I believe to be unauthorized access to my sensitive personal and financial information related to my federal student loans. I am deeply concerned that this access may have led to inaccuracies on my credit report and puts me at significant risk of identity theft. My primary concern is that one or more entities associated with the U.S. government ( potentially including the Department of Education, its contractors, or loan servicers ) have allowed unauthorized third parties to access my student loan data without my explicit knowledge or consent. I did not authorize any third party, outside of the necessary entities directly involved in servicing my loan according to standard procedures, to access, view, or utilize my student loan inf\normation. This unauthorized access is a serious breach of my privacy.\n\nI believe this situation potentially violates federal laws designed to protect consumer financial information and personal data privacy, such as the Privacy Act of 1974, potentially the Fair Credit Reporting Act ( FCRA ) if this has impacted my credit report, and other regulations governing the handling of student loan information. The government has a responsibility to safeguard the sensitive data it collects and maintains, and I believe it has failed in this duty by permitting this unauthorized access.\n\nSpecifically, I request that the CFPB investigate the following : 1. How and when unauthorized third parties gained access to my student loan data.\n\n2. Which specific government agencies, contractors, or servicers were involved or responsible for this data exposure.\n\n3. Whether my data was accessed, used, or shared inappropriately by these third parties.\n\n4. The steps being taken to rectify this breach, secure my data, and prevent future occurrences.\n\n5. The impact this may have had on my credit report and any steps needed to correct potential inaccuracies or fraudulent activity.\n\nPlease find attached copies of any relevant documents, such as [ Mention any documents you are attaching, e.g., credit report sections, communication with servicers, etc. If none, remove this sentence or state \" I can provide further documentation upon request. \" ].\n\nI request a thorough investigation into this matter and expect corrective action to be taken against any parties found responsible. I also request information on steps I can take to protect myself from identity theft resulting from this potential data exposure and assistance in correcting any related credit reporting issues.\n\nThank you for your time and attention to this critical matter. I look forward to your prompt response and investigation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-02T04:19:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"799XX","tags":null,"has_narrative":true,"complaint_id":"13289986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2025-05-02T04:10:16.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am deeply concerned that this access may <em>have</em> led to inaccuracies on my credit report and puts me at significant <em>risk</em> of identity theft. My primary concern is that one or more entities associated with the U.S. government ( potentially including the <em>Department</em> of Education, its contractors, or loan servicers ) <em>have</em> allowed unauthorized third parties to access my student loan data without my explicit knowledge or consent."]},"sort":[11.787145,"13289986"]},{"_index":"complaint-public-v1","_id":"5138999","_score":11.780609,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To Whom It May Concern : A man who identified himself as XXXX XXXX and stated he was a representative of XXXX XXXX XXXX came to our door on XX/XX/2022 and initially spoke with my husband about investing literacy for at-risk youth. He reported he was selling magazines. I came to the door and told him we would not purchase any magazines but would make a donation of {$400.00}. He reported he still needed to select magazines for distribution and chose XXXX He wrote up XXXX separate receipts and provided them to me, and I made the donation via Zelle. I later noticed the receipts he provided actually totaled {$440.00}, but I only sent {$400.00} via Zelle to XXXX 's purported boss, XXXX XXXX. My husband told me he felt uneasy about the entire exchange and felt I was swayed by XXXX 's story that he was working to overcome poverty and find a means to support his family as well as a photo of a child he referred to as his son. My husband wanted to see if we could find more information about the organization. Upon searching the web, we primarily found information that suggested the company and its charitable platform were both scams. Although I was able to find what appeared to be a legitimate websiteXXXX XXXX XXXX XXXX it offered very little information ( e.g. no financial report on the company, no photos of or links to the alleged magazines that were purchased, no customer reviews ). I believe I was scammed by this man who may or may not have used his real name and may or may not be the victim of a scam or a MLM scheme himself. I did not provide him with any sensitive information, but I did give him my email address, and he has my signature. Additionally, he was able to see into the living room of our home. I submitted a fraud report to Zelle, my bank, the FTC, the CA Department of Consumer Affairs, the FBI, and the police, all to no avail. I attempted to email the company and received a bounce back email advising the address is invalid. I called customer service but was unable to reach a human being and received an automated message that did not offer any information related to the company. ( \" You have reached customer service ... '' rather than, \" You have reached XXXX XXXX Services ... '' ) I am seeking restitution for this loss. Please advise regarding whether there is any means through which I might be able to pursue damages for falling prey to this scam. Thank you for your time and consideration.","date_sent_to_company":"2022-01-22T10:01:06.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"95401","tags":"Servicemember","has_narrative":true,"complaint_id":"5138999","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2022-01-22T09:33:11.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I believe I was scammed by this man who may or may not <em>have</em> used his real name and may or may not be the victim of a scam or a MLM scheme himself. I did not <em>provide</em> him with any sensitive information, but I did give him my email address, and he has my signature. Additionally, he was able to see into the living room of our home. I submitted a fraud report to Zelle, my bank, the FTC, the CA <em>Department</em> of Consumer Affairs, the FBI, and the police, all to no avail."]},"sort":[11.780609,"5138999"]},{"_index":"complaint-public-v1","_id":"2861412","_score":11.769113,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I filed a complaint with TransUnion prior to XX/XX/XXXX regarding the unauthorized access to my credit report by their client, XXXX who used \" XXXX '' and XXXX XXXX XXXX -- -the names that appear on my Transunion report to pull my credit report without authorization. These \" hard '' inquiries and actually NO inquiries were approved or submitted by me and I demand that they be removed. Transunion sent a response that was ambiguous and revealed that the did not even read the complaint by cfpb. \n\nTRANSUNION must remove the inquiries on my credit bureau report as they were not made by me. \n\n\nHere are the details : Re : Complaint for XXXX, XXXX and XXXX XX/XX/XXXX Resolution : Formal national and state investigation into the credit practices of XXXX and data protections Dear Sir or Madam, I have spent no less than 12 hours on attempting to get to the bottom of how XXXX submitted an unauthorized application for credit in my name. I have been met with nothing but opposition and astonishment that a company of this size and scope has so many flagrant flaws and minimal protections for the consumer. I believe that my experience is not unique and request a full and immediate investigation. \n\nOverview : I did not apply for credit from XXXX -- XXXX or XXXX and completed an affidavit to attest to this. I did not attempt to purchase any car in XX/XX/XXXX at the XXXX located at XXXX XXXX XXXX XXXX, MD nor give authorization for my credit to be accessed. I have not looked at any XXXX XXXX or applied for any credit from this company. I found that 5 or more companies had my private information and made credit inquiries on behalf of XXXX. The companies, including XXXX, XXXX, XXXX XXXX XXXX, XXXX and others state that they were forwarded the info directly from XXXX. \n\nStatements of Fact 1. I believe that it is part of XXXX 's unethical business practices to NOT securely validate persons that walk into the dealership. Perhaps an overzealous, inexperienced salesperson who is pressured to have activity or a credit agent -- I am unsure ... but what I am sure of is that I did not on person or online authorize any such activity. a. It is ironic that in speaking to the sale Manager XXXX XXXX at XXXX XXXX in XXXX -- he could not find my name in the system and found nothing at the store level indicating that my name or my presence in the store. I spoke with him on XX/XX/XXXX. 2. I have asked the credit department both onsite and offsite the following -- -WHAT signatures they have so that it can be compared to mine, what picture ID and other documents. are available to which they have said -- the name, dob and address were fine so they deemed it valid. I asked for an IP address, online info or anything that might possibly link me and validate this request -- they stated that no such policies exist and that they are not required to provide info. 3. I was told that a police report is NOT necessaryand did complete an affidavit. As a consumer why do I need to waste hours of my time and resources to prove that I contest the application? The system is so very flawed. Both XXXX at XXXX and the manager indicated that it was unnecessary but would help? HOW? At the inquiry as to how they received my info I was instructed to complete an affidavit which I submitted all documentation and the affidavit ; they still refuse to admit that they fraudulently obtained my info or allowed someone else to. The Auto Department and specifically credit maintenance -- is not responsive, inept and rude ... they do not give last names but I have talked to XXXX and XXXX XXXX -- - the director is XXXX XXXX ( never available ) -- - then told XXXX XXXX is the manager of the credit department. This is confusing but reportedly after speaking with XXXX XXXX -- he is the manager and the application was done online and not in the store. There is no clear way of identifying that the person applying is a \" real person '' -- no one knows. There is no request for a copy of a driver 's license online, employment or address verification -- -obviously this is putting all Americans at risk. Their competitors go additional steps ... after checking with XXXX as part of doing due diligence. Online applications only requiring -- Name, social, dob, address, place for employment for any inquiry ... The address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX fax XXXX. 2. The actual store  that help facilitate this fraud is : XXXX XXXX XXXX XXXX in XXXX, MD phone XXXX fax XXXX XXXX XXXX I have contacted the general manager XXXX XXXX on numerous occasions -- no less than a dozen and to his credit he has contacted me approx 3 times but when I call back no answer. Others in the onsite credit dept have been condescending and nonchalant. I did reach a very nice XXXX XXXX ( referenced above ) who connected me back to a manager ( XXXX ) in credit. However, they have a flawed system of response even in the local store as this has been going on for over a months. 3. I believe that XXXX does not have the proper security and protections in place to prevent persons from fraudulently attempting to obtain credit at this facility. This is evidenced by the fact that I was TOTALLY unaware of any credit report or identification of any car with this company and now over 5 loan companies were sent my information and have inquiries on my account. I never LOOKED at any XXXX XXXX and only had one episode ( unknown date ) of being on that location 's premise or website. I have for the last 15 years only driven XXXX XXXX and this is not anything that i would entertain as an option. It is unfair to the consumer to have to repeatedly reach out to the offending company, to be belittled, put on hold at best and be spoken to in tones that are horrific and demeaning by persons who work for the company. They do not return calls, have no real consumer protections in place and no methodical approach to answering questions except for -- '' We said so and that's it. '' I have asked for the legal department -- -1. They don't take calls from consumers '' ... I have asked for the investigator and 2. \" They don't take calls from consumers and I have simply asked for manager who are mysteriously never available -- -and there is no assistant manager. \n\nResolution : 1. I request a full investigation of TransUnion 's use of the client 's XXXX XXXX practices, their privacy policies and safeguards to protect the citizens of Maryland and the United States by a federal and state agency. I request a written report of both the findings, the federal and state laws that may have been violated. In the event that there are no violations ; I request recommendations on the privacy that should be put in place and how your departments and agencies would protect consumers. \n\n2. I request specific review of my complaint and removal of ALL inquiries generated by this unethical company by TRANSUION. \n\n3.. I request that the practices and policies of XXXX be published and the findings of this investigation into their practices be made available to the public. In closing, I have a XXXX year old mother -- - I just wonder how many persons are at risk. If a person can sit on a computer and repeatedly attempt to apply for credit with no validation points or methods. At some point they may get lucky and then take the next step with completing a purchase -- -in the case of XXXX XXXX is only with approval do they require valid personal identification like a simple photo id. There concern is that if they give the car to the person that it is them -- -well the person could fraudulently reproduce Ids, etcafter they get the approval. There should be protection from the beginning. This is bigger than my issue -- -it is a matter of consumer protection across the board.","date_sent_to_company":"2018-04-02T17:38:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20906","tags":null,"has_narrative":true,"complaint_id":"2861412","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-04-02T17:22:57.000Z","state":"MD","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 <em>have</em> asked the credit <em>department</em> both onsite and offsite the following -- -WHAT signatures they <em>have</em> so that it can be compared to mine, what picture ID and other documents. are available to <em>which</em> they <em>have</em> said -- the name, dob and address were fine so they deemed it valid. I asked for an IP address, online info or anything that might possibly link me and validate this request -- they <em>stated</em> that no such policies exist and that they are not required to <em>provide</em> info. 3."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[11.769113,"2861412"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":177,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":177}]}},"product":{"doc_count":177,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":39,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":20},{"key":"VA mortgage","doc_count":9},{"key":"FHA mortgage","doc_count":7},{"key":"Home equity loan or line of credit 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