{"took":916,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":549101,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14181717","_score":26.901962,"_source":{"product":"Debt collection","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, I am filing this formal complaint against LVNV Funding LLC and their attorneys, XXXX, XXXX XXXX XXXX XXXX, for repeated and escalating violations of the Fair Debt Collection Practices Act ( FDCPA ) and violations of my personal privacy. \n\nThese parties have contacted my place of employment, disclosed my personal Social Security number to a coworker, and repeatedly harassed my family including my children by instructing them to call me regarding a debt. This behavior is not only unethical and traumatizing but also illegal under federal law. \n\nNo proper debt validation or legal proof of this alleged debt was provided before these actions. Additionally, a court summons appeared to have been signed by a notary and was sent directly to my employer, which I believe is an improper method of service. \n\nThe conduct of LVNV Funding LLC and their legal representatives is causing emotional distress, putting my employment at risk, and violating my legal rights. I respectfully request the CFPB investigate these unlawful tactics and take appropriate regulatory action. \n\nDetails : - Debt collector : LVNV Funding LLC - XXXX : XXXX, XXXX XXXX XXXX XXXX - Harassment of minor children and family members - Disclosure of my SSN to a coworker - Summons served improperly to my job - No proof of debt provided Thank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-19T09:38:21.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Credit card debt","zip_code":"48125","tags":null,"has_narrative":true,"complaint_id":"14181717","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-06-19T09:15:26.000Z","state":"MI","company_public_response":null,"sub_issue":"Contacted your employer"},"highlight":{"complaint_what_happened":["Details : - Debt collector : LVNV Funding LLC - XXXX : XXXX, XXXX XXXX XXXX XXXX - Harassment of minor children and <em>family</em> members - <em>Disclosure</em> of my SSN to a <em>coworker</em> - Summons served improperly to my job - No proof of debt provided Thank you for your attention to this matter. \n\nSincerely, XXXX XXXX"],"sub_issue":["Contacted your <em>employer</em>"]},"sort":[26.901962,"14181717"]},{"_index":"complaint-public-v1","_id":"18402521","_score":26.77007,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Debt Collector Using Illegal Email Subject Lines That Reveal Debt Information ( FDCPA 805 ( b ) Violation ) Company : Portfolio Recovery Associates , LLC Summary of the Issue : Portfolio Recovery Associates contacted me by email using a subject line that reveals or strongly implies the existence of a debt. The subject line they used was : Start taking financial control! \n\nThis subject line is visible in email previews, lockscreen notifications, shared inboxes, and workplace email systems. Because it implies financial distress, delinquency, or a need for payment arrangements, it constitutes a thirdparty disclosure risk, which is strictly prohibited under the Fair Debt Collection Practices Act ( FDCPA ). \nI will provide a copy of the email as evidence. \n\nWhy This Is a Violation of Federal Law 1. FDCPA 805 ( b ) ThirdParty Disclosure Debt collectors may not reveal directly or indirectly any information about a debt to third parties.\n\nThe subject line Start taking financial control! is not neutral. It implies : - I am not in control of my finances- I owe money - I need to take action regarding a financial obligation- The sender is attempting to collect a debt Because email subject lines are visible without opening the message, this creates a serious risk of unauthorized third-party disclosure to : - Employers - Coworkers - Family members - Anyone with access to shared devices or inboxes This is a direct violation of 805 ( b ).\n\n2. FDCPA 806 Harassment or Abuse Communications that could embarrass or shame a consumer are prohibited.\n\nThe phrase Start taking financial control! implies financial instability and is coercive and shaming in tone.\n\n3. FDCPA 807 False, Deceptive, or Misleading Representations Debt collectors may not use deceptive or manipulative language.\n\nThis subject line is crafted to pressure the consumer into opening the email by implying financial XXXX  or delinquency. It is misleading and deceptive. \n\n4. FDCPA 813 Civil Liability These violations expose Portfolio Recovery Associates to statutory damages, actual damages, and attorneys fees.\n\nPattern of Conduct This is not an isolated issue. Portfolio Recovery Associates has a documented history of FDCPA violations, including improper communication practices. This email continues that pattern and demonstrates : - A failure to implement compliant communication procedures - A disregard for consumer privacy - A systemic risk of thirdparty disclosure I am requesting that the CFPB : - Investigate Portfolio Recovery Associates email communication practices -\nRequire PRA to cease all email communication - Require PRA to delete all credit reporting associated with this account - Require PRA to implement compliant communication procedures - Require PRA to provide written confirmation of corrective action Evidence Provided I will enclose : - A copy of the email - A screenshot of the subject line Desired Resolution I am requesting : - Immediate deletion of all Portfolio Recovery reporting - Immediate cessation of all communication - Confirmation that PRA will comply with FDCPA communication rules going forward","date_sent_to_company":"2026-01-01T14:05:57.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"27106","tags":null,"has_narrative":true,"complaint_id":"18402521","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2026-01-01T13:58:55.000Z","state":"NC","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["It implies : - I am not in control of my finances- I owe money - I need to take action regarding a financial obligation- The sender is attempting to collect a debt Because email subject lines are visible without opening the message, this creates a serious <em>risk</em> of <em>unauthorized</em> <em>third-party</em> <em>disclosure</em> to : - <em>Employers</em> - <em>Coworkers</em> - <em>Family</em> members - Anyone with access to shared devices or inboxes This is a direct violation of 805 ( b ).\n\n2."]},"sort":[26.77007,"18402521"]},{"_index":"complaint-public-v1","_id":"1505499","_score":25.015163,"_source":{"product":"Debt collection","complaint_what_happened":"A woman by the name of \" XXXX '' has been contacting me repeatedly throughout the day starting at XXXX-XXXX, as well as my family members and even my new employer ( a 3rd party which she discovered online ) which has NEVER been released to her or any other debt collector. She has been seeking info from my family as well as co-workers, requesting my information/location, verifying where I am working, how she can find me, and even has my co-workers relaying messages to me in order to call her back.. She has also been telling my co-workers that I do n't answer my phone or reply to voice messages which makes me look bad to my employer and puts my job in GREAT jeopardy. One of the numbers she has been calling from is XXXX. IT NEEDS TO STOP!","date_sent_to_company":"2015-08-17T15:14:15.000Z","issue":"Improper contact or sharing of info","sub_product":"I do not know","zip_code":"34786","tags":null,"has_narrative":true,"complaint_id":"1505499","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"Webcollex, LLC","date_received":"2015-08-06T03:37:39.000Z","state":"FL","company_public_response":"Company chooses not to provide a public response","sub_issue":"Contacted employer after asked not to"},"highlight":{"complaint_what_happened":["A woman by the name of \" XXXX '' has been contacting me repeatedly throughout the day starting at XXXX-XXXX, as well as my <em>family</em> members and even my new <em>employer</em> ( a 3rd <em>party</em> which she discovered online ) which has NEVER been released to her or any other debt collector."],"sub_issue":["Contacted <em>employer</em> after asked not to"]},"sort":[25.015163,"1505499"]},{"_index":"complaint-public-v1","_id":"2803801","_score":25.01099,"_source":{"product":"Debt collection","complaint_what_happened":"On several dates including today XX/XX/2018 unauthorized call phone calls with falsely indicated caller IDs ( XXXX County Court House and previously XXXX County Court House ) were placed to me, both my elderly parents, 3 brothers, and a sister-in-law. Recorded voicemail messages were left on several of these unauthorized cell phone numbers by a caller 'XXXX XXXX indicating my full name, pending case 'against ' me, 'case numbers ', and wishing me 'luck '. All of these recordings have been saved. My employer was also contacted and several co-workers were given the same information trying to track me down. I have been out of work on a medical leave for a XXXX XXXX for a month. Several months ago when she did the same thing I advised her to cease and desist contact to all numbers including mine, family, employer, and any found through skip trace. I also asked who she was collecting a debt for and she answered. I then advised that a company who misleads or falsely ID 's themselves, contacts third party releasing any information true or false to them, is in violation of Federal law. She hung up on me. My elderly parents were scared for me. The other contactees understand this kind of act but it makes the illegal means no less embarrassing, humiliating, or intimidating. These calls put my employment at risk.","date_sent_to_company":"2018-02-05T18:16:20.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2803801","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Capital Management Services, LP","date_received":"2018-02-05T17:29:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["My <em>employer</em> was also contacted and several <em>co-workers</em> were given the same information trying to track me down. I have been out of work on a medical leave for a XXXX XXXX for a month. Several months ago when she did the same thing I advised her to cease and desist contact to all numbers including mine, <em>family</em>, <em>employer</em>, and any found through skip trace. I also asked who she was collecting a debt for and she answered."]},"sort":[25.01099,"2803801"]},{"_index":"complaint-public-v1","_id":"2766961","_score":24.07005,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX 's XXXX XXXX at XXXX id # XXXX called my employer on multiple occasions after being told to stop, ex employers, ex husband, his mew wife, my choldren, family, coworkers, people i dont associate with, EVEN after being told by them to stop contacting them, they continue, my employer wrote me up for this and they wont stop","date_sent_to_company":"2018-01-09T19:19:06.000Z","issue":"Communication tactics","sub_product":"Federal student loan debt","zip_code":"127XX","tags":null,"has_narrative":true,"complaint_id":"2766961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-12-29T16:35:45.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX 's XXXX XXXX at XXXX id # XXXX called my <em>employer</em> on multiple occasions after being told to stop, ex <em>employers</em>, ex husband, his mew wife, my choldren, <em>family</em>, <em>coworkers</em>, people i dont associate with, EVEN after being told by them to stop contacting them, they continue, my <em>employer</em> wrote me up for this and they wont stop"]},"sort":[24.07005,"2766961"]},{"_index":"complaint-public-v1","_id":"2766478","_score":23.52563,"_source":{"product":"Debt collection","complaint_what_happened":"Prestige Financial Services has repeatedly contacted me, my family, my coworkers, my past employer regarding a auto loan. \nI surrender the vehicle back in XXXX of XXXX because the car mechanical issues that I could not afford to repair, it was best to surrender the vehicle before it was repossessed. These people have continued to contact my previous employer as well as family members on multiple occasions. They have also continued to report the debt on my credit report inaccurately every month they change the reporting date to the current month as the original reporting date.","date_sent_to_company":"2017-12-28T15:51:13.000Z","issue":"Communication tactics","sub_product":"Auto debt","zip_code":"28277","tags":null,"has_narrative":true,"complaint_id":"2766478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PRESTIGE FINANCIAL SERVICES INC","date_received":"2017-12-28T15:12:24.000Z","state":"NC","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Prestige Financial Services has repeatedly contacted me, my <em>family</em>, my <em>coworkers</em>, my past <em>employer</em> regarding a auto loan. \nI surrender the vehicle back in XXXX of XXXX because the car mechanical issues that I could not afford to repair, it was best to surrender the vehicle before it was repossessed. These people have continued to contact my previous <em>employer</em> as well as <em>family</em> members on multiple occasions."]},"sort":[23.52563,"2766478"]},{"_index":"complaint-public-v1","_id":"3181146","_score":23.501839,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2019, and employee of XXXX XXXX called my place of employment, XXXX XXXX ( XXXX XXXX XXXX ). I have never allowed nor given permission, and always denied permission for any of my debt holders to contact my place of employment. I have repeatedly asked them to stop contacting my family, friends or anyone other than myself on my personal telephone, and would rather them only reach out through mail. She provided my co-worker with information regarding my personal debt collection matter that should not have been disclosed. She shouldn't have even provided that she was a debt collector. I can not receive communications from anyone at my job that is not a medical or family emergency. This company should be reprimanded for harrassment and disclosure of personal information. As a note, my employer also notified her that she is not to call work with my personal matters.","date_sent_to_company":"2019-03-15T19:52:05.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Credit card debt","zip_code":"700XX","tags":null,"has_narrative":true,"complaint_id":"3181146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"URS Holding, LLC","date_received":"2019-03-15T19:42:22.000Z","state":"LA","company_public_response":null,"sub_issue":"Contacted your employer"},"highlight":{"complaint_what_happened":["This company should be reprimanded for harrassment and <em>disclosure</em> of personal information. As a note, my <em>employer</em> also notified her that she is not to call work with my personal matters."],"sub_issue":["Contacted your <em>employer</em>"]},"sort":[23.501839,"3181146"]},{"_index":"complaint-public-v1","_id":"13803805","_score":23.479612,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Regarding Unauthorized Access to SSA and Employment Records Without Proper Consent To the Consumer Financial Protection Bureau, This complaint is submitted in accordance with the rights granted to consumers under federal privacy laws, specifically the Privacy Act of 1974 ( 5 U.S.C. 552a ) and Section 1106 of the Social Security Act ( 42 U.S.C. 1306 ), to formally object to and request restriction of the disclosure and verification of personal identifying information ( including Social Security Number and employment data ) to any unauthorized third-party entities.\n\nThe complainant asserts that their personal data, including but not limited to name, Social Security Number ( SSN ), phone number, and employment history, has been made available or is at risk of being accessed by external parties through employment verification systems or data vendors without their explicit written consent. \n\nComplaint Summary and Request The individual is requesting immediate enforcement of privacy rights and legal protections under the following conditions : Restriction of Disclosure : No information, including SSN, employment history, or related identifiers, should be released to any third-party entity that does not have a valid, legally authorized purpose as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) or applicable SSA guidelines.\n\nNotice to Data Brokers and Employment Verifiers : Data aggregators such as The Work Number, Equifax XXXX XXXXXXXX and similar entities must be restricted from distributing, verifying, or storing information relating to the complainant unless written consent has been directly obtained. \n\nJurisdictional Limits : Any agency, platform, or employer not acting under legal jurisdiction or court-ordered authority should not be allowed access to confidential SSA or employment data.\n\nViolation of Federal Guidelines : If unauthorized disclosures have occurred or continue to occur, this would constitute a violation of : The Privacy Act of 1974 Section 1106 of the Social Security Act FCRA Section 1681b and 1681e Recent FTC enforcement actions against Equifax for mishandling consumer data Relief Sought The complainant respectfully requests that the CFPB : Enforce protections to block further unauthorized access to the individual 's data Issue a notice or guidance to Equifax XXXX XXXX, The Work Number, and affiliated data vendors that no information should be disclosed regarding this individual without written, signed consent Provide a reference number and confirmation of action taken Investigate the data systems that continue to provide employment verification without the consumer 's knowledge or participation Conclusion The unauthorized disclosure or verification of personal data poses a significant risk to consumer privacy and security. The complainant seeks protection under federal law and wishes to hold data handlers and reporting agencies accountable for any nonconsensual disclosures. \n\nThank you for your attention to this matter. \n\nSincerely, [ Name Redacted for CFPB Submission ]","date_sent_to_company":"2025-07-22T10:49:22.000Z","issue":"Identity theft protection or other monitoring services","sub_product":"Other personal consumer report","zip_code":"43613","tags":null,"has_narrative":true,"complaint_id":"13803805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-30T19:17:05.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Security Number and employment data ) to any <em>unauthorized</em> <em>third-party</em> entities."]},"sort":[23.479612,"13803805"]},{"_index":"complaint-public-v1","_id":"18407489","_score":22.399115,"_source":{"product":"Debt collection","complaint_what_happened":"On multiple occasions ive asked them not to contact my employer, my family, my coworkers and yet they have multiple times. It's happened more than 5 times so im not sure the exact dates of each but my work has told me my job is on the line. ( Company is security finance, XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-01-01T20:32:11.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"29640","tags":null,"has_narrative":true,"complaint_id":"18407489","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SECURITY FINANCE CORP","date_received":"2026-01-01T20:25:23.000Z","state":"SC","company_public_response":null,"sub_issue":"Contacted your employer"},"highlight":{"complaint_what_happened":["On multiple occasions ive asked them not to contact my <em>employer</em>, my <em>family</em>, my <em>coworkers</em> and yet they have multiple times. It's happened more than 5 times so im not sure the exact dates of each but my work has told me my job is on the line. ( Company is security finance, XXXX XXXX XXXX XXXX"],"sub_issue":["Contacted your <em>employer</em>"]},"sort":[22.399115,"18407489"]},{"_index":"complaint-public-v1","_id":"17838911","_score":21.51877,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint Summary : A debt collector has been repeatedly contacting my family members and threatening to call my employer about a personal debt. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ).\n\nDetails : The collector has contacted my parents multiple times about this debt. During these calls, they disclosed details about the alleged debt and made threatening statements implying they would contact my employer to collect payment. They have no legitimate reason to contact my employer, and these threats were clearly made to pressure or intimidate me.\n\nThe collectors actions are harassing and deceptive. Under federal law, a debt collector may only contact third parties once and only to obtain location information. They are not permitted to disclose the existence of the debt or to make threats about involving my employer. I believe these actions are clear violations of the FDCPA, including sections related to third-party disclosure, harassment, and false or misleading representations.\n\nRequested Action : I am requesting the CFPB to investigate this collectors conduct and take enforcement action if violations are found. I also request that the collector be instructed to stop contacting my family, employer, or anyone else regarding this matter. \n\nSupporting Information : Dates and times of calls : XX/XX/2025 Names or numbers used by collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company name ( if available ) XXXX XXXX XXXX","date_sent_to_company":"2025-12-08T18:50:54.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"17838911","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Arcadia Holdings, LLC","date_received":"2025-10-22T17:35:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["I believe these actions are clear violations of the FDCPA, including sections related to <em>third-party</em> <em>disclosure</em>, harassment, and false or misleading representations.\n\nRequested Action : I am requesting the CFPB to investigate this collectors conduct and take enforcement action if violations are found. I also request that the collector be instructed to stop contacting my <em>family</em>, <em>employer</em>, or anyone else regarding this matter."],"sub_issue":["Talked to a <em>third</em>-<em>party</em> about your debt"]},"sort":[21.51877,"17838911"]},{"_index":"complaint-public-v1","_id":"12921390","_score":21.335056,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against LVNV Funding LLC and Resurgent Capital Services for violating my rights under both federal and Florida state law. \n\nBeginning in XX/XX/year>, Resurgent Capital Services sent multiple debt collection emails to my work email address ( XXXX ) regarding an alleged debt originally owed to XXXX, now purportedly owned by LVNV Funding. These emails were : Unsolicited I never gave consent, either to the original creditor or to XXXX, to communicate with me via email, especially at my place of employment. \nSent to a work email exposing me to serious risk of third-party disclosure, as the address is visible to IT staff and coworkers. \nHarassing in frequency multiple messages were sent over a short span, despite no response from me. \nThese actions violated : 15 U.S.C. 1692c ( a ) ( 1 ) and 1692c ( a ) ( 3 ) of the FDCPA by contacting me at a known inconvenient location ( my job ).\n\n12 CFR 1006.6 ( d ) ( 3 ) ( 4 ) by failing to use reasonable procedures to avoid unauthorized email contact.\n\n15 U.S.C. 1692d by engaging in conduct that harassed, oppressed, or abused the consumer.\n\nFlorida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 ( 5 ), ( 7 ), and ( 18 ) for willfully contacting me at work and causing actual damages. \nAs a direct result, I suffered : Termination from my job on XX/XX/year> Embarrassment and emotional distress from having personal financial matters exposed at work Loss of income and professional disruption I have proof of the collection emails, my work email address, and a formal termination letter from my employer dated XX/XX/year>. These records show a clear connection between the unlawful contact and my job loss. \n\nWhat resolution are you seeking? \n\nI am demanding : An immediate investigation into the collection practices of LVNV Funding LLC and its servicer, Resurgent Capital Services A formal response and explanation from the company A full cease and desist from further communication Compensation for actual damages, as well as civil penalties under FDCPA and FCCPA","date_sent_to_company":"2025-04-11T01:43:35.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"33334","tags":"Servicemember","has_narrative":true,"complaint_id":"12921390","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-04-11T01:30:14.000Z","state":"FL","company_public_response":null,"sub_issue":"Contacted before 8am or after 9pm"},"highlight":{"complaint_what_happened":["Sent to a work email exposing me to serious <em>risk</em> of <em>third-party</em> <em>disclosure</em>, as the address is visible to IT staff and <em>coworkers</em>. \nHarassing in frequency multiple messages were sent over a short span, despite no response from me."]},"sort":[21.335056,"12921390"]},{"_index":"complaint-public-v1","_id":"2901630","_score":21.107136,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"This is in regards to open complaint # XXXX. \n\nXXXX XXXX has been calling my place of employment and releasing very sensitive/private information [ regarding wage garnishments ] to coworkers of mine when they should ONLY be speaking to my superiors [ i.e. HR manager, Payroll Department manager, etc. ]. \n\nI now have coworkers approaching me that are now fully aware of my wages being garnished and it is very embarrasing and quite frankly a breach of my privacy as a consumer. \n\nI am at risk of losing my job because of the careless actions/practices of XXXX XXXX and their affiliated 3rd parties [ i.e. Careless phone calls from XXXX to my employers office ; Process server whom recently left sensitive documents/information EXPOSED on the floor of my front porch without first placing it in an envelope. Made absolutely no efforts to see if anyone was home before leaving these documents on the ground ]. \n\nXXXX XXXX is literally ruining my life as I know it with their careless malpractices.","date_sent_to_company":"2018-05-09T18:02:42.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"36067","tags":null,"has_narrative":true,"complaint_id":"2901630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RFNA, LP","date_received":"2018-05-09T17:39:14.000Z","state":"AL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am at <em>risk</em> of losing my job because of the careless actions/practices of XXXX XXXX and their affiliated 3rd <em>parties</em> [ i.e. Careless phone calls from XXXX to my <em>employers</em> office ; Process server whom recently left sensitive documents/information EXPOSED on the floor of my front porch without first placing it in an envelope. Made absolutely no efforts to see if anyone was home before leaving these documents on the ground ]."]},"sort":[21.107136,"2901630"]},{"_index":"complaint-public-v1","_id":"3056631","_score":20.70546,"_source":{"product":"Student loan","complaint_what_happened":"ECMC calls from 2 different numbers. XXXX and XXXX XX/XX/2018 XXXX, male caller, identified himself as ECMC. I informed he was calling my employer, calls not allowed, do not call again. \n\nXX/XX/2018 XXXX, female caller, identified herself as ECMC to my coworker. I informed again she was calling my employer, do not call again. \n\nXX/XX/2018 XXXX, same female caller, Identified herself as ECMC to a  coworker. I informed again, DO NOT CALL. \n\nXX/XX/2018 XXXX, same male caller. identified himself as ECMC to a coworker. informed I was filing complaint. do not call again.","date_sent_to_company":"2018-10-25T18:10:55.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"30188","tags":null,"has_narrative":true,"complaint_id":"3056631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ECMC GROUP, INC.","date_received":"2018-10-25T17:30:39.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Keep getting calls about your loan"},"highlight":{"complaint_what_happened":["I informed he was calling my <em>employer</em>, calls not allowed, do not call again. \n\nXX/XX/2018 XXXX, female caller, identified herself as ECMC to my <em>coworker</em>. I informed again she was calling my <em>employer</em>, do not call again. \n\nXX/XX/2018 XXXX, same female caller, Identified herself as ECMC to a  <em>coworker</em>. I informed again, DO NOT CALL. \n\nXX/XX/2018 XXXX, same male caller. identified himself as ECMC to a <em>coworker</em>. informed I was filing complaint. do not call again."]},"sort":[20.70546,"3056631"]},{"_index":"complaint-public-v1","_id":"20529636","_score":20.581478,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally document and assert that Eastern Account System , Inc. has engaged in conduct that violates federal law, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. \n\nEastern Account System , Inc. has repeatedly contacted my employer on multiple occasions regarding an alleged debt, causing disruption and harassment in my workplace. Additionally, they have disclosed information about this alleged debt to my landlord. These actions constitute unlawful third-party communications and improper disclosure of personal financial information.\n\nUnder the FDCPA, debt collectors are prohibited from communicating with third parties about a consumers debt without prior consent, except for limited purposes such as acquiring location information ( 15 U.S.C. 1692b ). Furthermore, repeated or continuous co\nmmunication intended to harass, oppress, or abuse any person is strictly prohibited ( 15 U.S.C. 1692d ). \n\nThe alleged debt in question originates from XXXX in the amount of {$400.00}, associated with an account ending in XXXX. \n\nThe actions taken by Eastern Account System, Inc. represent clear violations of federal law, including but not limited to : Unauthorized third-party disclosure of debt information Repeated and harassing communications with my employer Improper conduct causing reputational and professional harm This statement is made to formally record these violations and may be used in support of any complaints filed with regulatory agencies or legal proceedings.","date_sent_to_company":"2026-03-24T04:44:18.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Telecommunications debt","zip_code":"92544","tags":null,"has_narrative":true,"complaint_id":"20529636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Eastern Account Systems of Connecticut, Inc.","date_received":"2026-03-24T04:21:02.000Z","state":"CA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Contacted your employer"},"highlight":{"complaint_what_happened":["The actions taken by Eastern Account System, Inc. represent clear violations of federal law, including but not limited to : <em>Unauthorized</em> <em>third-party</em> <em>disclosure</em> of debt information Repeated and harassing communications with my <em>employer</em> Improper conduct causing reputational and professional harm This statement is made to formally record these violations and may be used in support of any complaints filed with regulatory agencies or legal proceedings."],"sub_issue":["Contacted your <em>employer</em>"]},"sort":[20.581478,"20529636"]},{"_index":"complaint-public-v1","_id":"2630676","_score":20.171043,"_source":{"product":"Student loan","complaint_what_happened":"XX/XX/XXXX : my brother contacted me in re : to a letter he received from Navient stating that they were trying to get in touch with me re : my student loans. XX/XX/XXXX : My employer received the same letter XX/XX/XXXX : My coworker received the same letter Not only is my family now involved, I now have My Boss and a Coworker wondering why they are getting student loan letters on my behalf. I logged online to show my boss that my past due balance was only {$210.00} and my intention was to pay with our next pay period. He was upset that he had to have this conversation with me to begin with not to mention its all because of {$210.00} too. My coworker had to then explain to my boss and her husband not knowing how she got involved and how did Navient even get her home address? I looked all over their website, in my profile page and nowhere is it listed that I have provided this information. I feel this is harassment. This could cost me my job which then they will never get paid. I do n't like having to explain not only to family but to the people I work daily with that my Mortgage and Child Care expenses come first and that if I am 1-2mo behind on Student Loans that they should not be sending letters to everyone who knows me. its embarrassing and unnecessary. I understand if I was severely past due but even then follow the proper route ; certified mail or something. But all of this for {$210.00} is harassment.","date_sent_to_company":"2017-08-16T14:22:58.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"530XX","tags":null,"has_narrative":true,"complaint_id":"2630676","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-08-16T14:04:38.000Z","state":"WI","company_public_response":null,"sub_issue":"Can't temporarily delay making payments"},"highlight":{"complaint_what_happened":["XX/XX/XXXX : My <em>employer</em> received the same letter XX/XX/XXXX : My <em>coworker</em> received the same letter Not only is my <em>family</em> now involved, I now have My Boss and a <em>Coworker</em> wondering why they are getting student loan letters on my behalf. I logged online to show my boss that my past due balance was only {$210.00} and my intention was to pay with our next pay period. He was upset that he had to have this conversation with me to begin with not to mention its all because of {$210.00} too."]},"sort":[20.171043,"2630676"]},{"_index":"complaint-public-v1","_id":"3062325","_score":19.829638,"_source":{"product":"Debt collection","complaint_what_happened":"Senior account specialist at American Express is contacting me multiple times a day, has contacted multiple family members, and has now put my job at risk by contacting my employer on XX/XX/18. They are sharing my personal business with my family, and now are jeopardizing my job.","date_sent_to_company":"2018-10-31T20:39:16.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Credit card debt","zip_code":"92307","tags":null,"has_narrative":true,"complaint_id":"3062325","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-10-31T20:18:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Contacted your employer"},"highlight":{"complaint_what_happened":["Senior account specialist at American Express is contacting me multiple times a day, has contacted multiple <em>family</em> members, and has now put my job at <em>risk</em> by contacting my <em>employer</em> on XX/XX/18. They are sharing my personal business with my <em>family</em>, and now are jeopardizing my job."],"sub_issue":["Contacted your <em>employer</em>"]},"sort":[19.829638,"3062325"]},{"_index":"complaint-public-v1","_id":"3819686","_score":19.65232,"_source":{"product":"Debt collection","complaint_what_happened":"ERC changed my billing address to my employers address, then mailed a bill to my employers address. The A/P department at my employer opened the letter and read and reviewed the invoice. When they determined it was not company related, then then emailed it to me. So basically they provided my information of a past due, disputed bill to my employer which embarrassed me and divulged my information to my employer and coworkers.","date_sent_to_company":"2020-08-28T22:08:47.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Other debt","zip_code":"92648","tags":null,"has_narrative":true,"complaint_id":"3819686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ERC","date_received":"2020-08-28T21:47:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Contacted your employer"},"highlight":{"complaint_what_happened":["ERC changed my billing address to my <em>employers</em> address, then mailed a bill to my <em>employers</em> address. The A/P department at my <em>employer</em> opened the letter and read and reviewed the invoice. When they determined it was not company related, then then emailed it to me. So basically they provided my information of a past due, disputed bill to my <em>employer</em> which embarrassed me and divulged my information to my <em>employer</em> and <em>coworkers</em>."],"sub_issue":["Contacted your <em>employer</em>"]},"sort":[19.65232,"3819686"]},{"_index":"complaint-public-v1","_id":"11985742","_score":19.630394,"_source":{"product":"Debt collection","complaint_what_happened":"Starmark Financial has been calling my job daily after being told not to. They stated they do not have my cell phone number and repeatedly nagged my employer and coworkers for it. They used mocking, making fun of someones laugh, trying to force them to give their names, etc. theyre rude, unprofessional, and never provided me with the debt because they do not have any info for me personally and just keep calling my job, which I personally told them not to along with my employer. They will not listen. He was demanding, pushy, and will not stop calling. It is embarrassing and is adding stress being scared my coworkers will pick up when they call next.","date_sent_to_company":"2025-02-07T23:49:56.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"39301","tags":null,"has_narrative":true,"complaint_id":"11985742","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Starmark Financial LLC","date_received":"2025-02-07T23:40:45.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["They stated they do not have my cell phone number and repeatedly nagged my <em>employer</em> and <em>coworkers</em> for it. They used mocking, making fun of someones laugh, trying to force them to give their names, etc. theyre rude, unprofessional, and never provided me with the debt because they do not have any info for me personally and just keep calling my job, which I personally told them not to along with my <em>employer</em>. They will not listen. He was demanding, pushy, and will not stop calling."]},"sort":[19.630394,"11985742"]},{"_index":"complaint-public-v1","_id":"8164994","_score":19.603678,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion conglomerate for violations of the Fair Credit Reporting Act. The TransUnion company failed to take steps to ensure the rental background checks that landlords use to decide who gets housing were accurate. The company also withheld, from renters, the names of third parties that were providing the inaccurate information. \n\nI put at risk of wrongful housing denials because TransUnion failed to follow the law. \n\nThese reports increasingly use black box algorithms, relying too often on inaccurate or misleading information, to produce a renters risk score or to make a recommendation to landlords. This score or recommendation can conceal false information from scrutiny by either landlords or renters and make it difficult to impossible to correct inaccurate information. As a result, people are denied housing, charged more for housing, spend longer finding housing, and incur more housing search costs.\n\nIn todays joint complaint, the CFPB and the FTC allege that the company : Failed to take steps to produce accurate reports : The company violated the Fair Credit Reporting Act by failing in numerous instances to take steps to assure the maximum possible accuracy of eviction records in its rental background check reports. For example, the company failed to assure that its reports reflected the current status of public records. This included failing to share information showing that an eviction was dismissed and not preventing the inclusion of sealed records or multiple entries about the same eviction case. As eviction data is often weighed heavily in assessing rental risk, inclusion of inaccurate and duplicative eviction information is particularly harmful to renters and their families. \nFailed to identify who provided inaccurate information : When the company obtained criminal and eviction records from third-party vendors, it failed to identify the third-party vendors in its disclosures to consumers. Instead, the company told people that criminal and eviction records were taken only from the jurisdictions where the proceedings took place. People trying to find a place to live did not know it was a third-party vendor that they needed to contact to correct inaccurate information. \n\n\n\nI have been a victim of the info above, and would like to take action, or needing to know what are the next steps of this issue?","date_sent_to_company":"2024-01-17T21:43:05.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"75081","tags":null,"has_narrative":true,"complaint_id":"8164994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-17T21:09:20.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["As eviction data is often weighed heavily in assessing rental <em>risk</em>, inclusion of inaccurate and duplicative eviction information is particularly harmful to renters and their <em>families</em>. \nFailed to identify who provided inaccurate information : When the company obtained criminal and eviction records from <em>third-party</em> vendors, it failed to identify the <em>third-party</em> vendors in its <em>disclosures</em> to consumers."]},"sort":[19.603678,"8164994"]},{"_index":"complaint-public-v1","_id":"7892231","_score":19.518904,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion failed to provide accurate information to the FTC and CFPB regarding an eviction that was reported on my credit report. Section 607 ( b ) of the Fair Credit Reporting Act requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information concerning the person in question. Reasonable procedures to assure maximum possible accuracy isnt a wish, a hope, or a lofty aspiration. Its the law. \n\nFailed to take steps to produce accurate reports : The company violated the Fair Credit Reporting Act by failing in numerous instances to take steps to assure the maximum possible accuracy of eviction records in its rental background check reports. For example, the company failed to assure that its reports reflected the current status of public records. This included failing to share information showing that an eviction was dismissed and not preventing the inclusion of sealed records or multiple entries about the same eviction case. As eviction data is often weighed heavily in assessing rental risk, inclusion of inaccurate and duplicative eviction information is particularly harmful to renters and their families. \nFailed to identify who provided inaccurate information : When the company obtained criminal and eviction records from third-party vendors, it failed to identify the third-party vendors in its disclosures to consumers. Instead, the company told people that criminal and eviction records were taken only from the jurisdictions where the proceedings took place. People trying to find a place to live did not know it was a third-party vendor that they needed to contact to correct inaccurate information.","date_sent_to_company":"2023-11-22T23:08:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"7892231","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-22T22:55:37.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["As eviction data is often weighed heavily in assessing rental <em>risk</em>, inclusion of inaccurate and duplicative eviction information is particularly harmful to renters and their <em>families</em>. \nFailed to identify who provided inaccurate information : When the company obtained criminal and eviction records from <em>third-party</em> vendors, it failed to identify the <em>third-party</em> vendors in its <em>disclosures</em> to consumers."]},"sort":[19.518904,"7892231"]},{"_index":"complaint-public-v1","_id":"2330245","_score":19.499264,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to ask you to STOP it with all the harassing to calls to myself, my employer ( which can and will get me fired ), and to any and all family members near and far. I have been receiving multiple calls daily, as well as, have people in my husband 's family, my dad 's family in which we are estranged from, co-workers, and my elderly grandparents. The caller, XXXX on some occasions, has not only violated my rights by telling third parties about my debt, but has also been telling straight out lies to those other people she has been calling, saying that I gave her that number to contact me with. That is just illegal. If these calls to myself and others do not stop ASAP, I will be getting an attorney and filing charges against your company. I will be mailing your company a hard copy of this letter. I hope that the next time I hear from you guys, it will be to tell me that you will stop calling.","date_sent_to_company":"2017-02-06T19:41:57.000Z","issue":"Improper contact or sharing of info","sub_product":"Credit card","zip_code":"144XX","tags":null,"has_narrative":true,"complaint_id":"2330245","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ORG GC GP BUYER, LLC","date_received":"2017-02-06T19:41:56.000Z","state":"NY","company_public_response":null,"sub_issue":"Talked to a third party about my debt"},"highlight":{"complaint_what_happened":["I am writing to ask you to STOP it with all the harassing to calls to myself, my <em>employer</em> ( which can and will get me fired ), and to any and all <em>family</em> members near and far. I have been receiving multiple calls daily, as well as, have people in my husband 's <em>family</em>, my dad 's <em>family</em> in which we are estranged from, <em>co-workers</em>, and my elderly grandparents."],"sub_issue":["Talked to a <em>third</em> <em>party</em> about my debt"]},"sort":[19.499264,"2330245"]},{"_index":"complaint-public-v1","_id":"12772651","_score":19.419605,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX2025 - Never gave authorization or consent to contact my employer. Tower Loan contacts my employer front desk, not even sure how they found employmentreceptionist explains to me Tower Loan lie and say they thought it was the direct work number for my office. I have the receptionist tell them to stop contacting me at my employment. \n\nXXXX2025 - Receive another call from Tower Loan, guy on phone ends up talking to coworker. Co worker explains to Tower Loan collector he has wrong number and he assures my coworker that he is speaking with direct contact. Harassing other coworkers and letting it be known I have debts XXXX-2025 - Manager for Tower Loans sends letter to my employment after we told them to stop contacting me at work ( Have XXXX Sorry we missed you note on attempting to send me mail to at work ) Note specifies it came from manager XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-04-01T21:52:08.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Other debt","zip_code":"78414","tags":null,"has_narrative":true,"complaint_id":"12772651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Tower Loan of Mississippi, Inc.","date_received":"2025-04-01T21:11:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Contacted your employer"},"highlight":{"complaint_what_happened":["XXXX2025 - Never gave authorization or consent to contact my <em>employer</em>. Tower Loan contacts my <em>employer</em> front desk, not even sure how they found employmentreceptionist explains to me Tower Loan lie and say they thought it was the direct work number for my office. I have the receptionist tell them to stop contacting me at my employment. \n\nXXXX2025 - Receive another call from Tower Loan, guy on phone ends up talking to <em>coworker</em>."],"sub_issue":["Contacted your <em>employer</em>"]},"sort":[19.419605,"12772651"]},{"_index":"complaint-public-v1","_id":"3940536","_score":19.346815,"_source":{"product":"Debt collection","complaint_what_happened":"I am very discourage by a collector taking money from my family without first validating the debt, knowing how illegal it is trespassing private information with my employer now putting my family at risk without now having my check cutdown drastically taking also away from my child support for my other son.","date_sent_to_company":"2020-11-06T15:50:26.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Credit card debt","zip_code":"91343","tags":null,"has_narrative":true,"complaint_id":"3940536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mandarich Law Group, LLP","date_received":"2020-11-06T15:23:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Contacted your employer"},"highlight":{"complaint_what_happened":["I am very discourage by a collector taking money from my <em>family</em> without first validating the debt, knowing how illegal it is trespassing private information with my <em>employer</em> now putting my <em>family</em> at <em>risk</em> without now having my check cutdown drastically taking also away from my child support for my other son."],"sub_issue":["Contacted your <em>employer</em>"]},"sort":[19.346815,"3940536"]},{"_index":"complaint-public-v1","_id":"7755226","_score":19.221916,"_source":{"product":"Debt or credit management","complaint_what_happened":"IQ Data Collections took on a debt of mine that should have never existed and is now harassing me by calling my employer and coworkers.","date_sent_to_company":"2023-10-25T16:18:39.000Z","issue":"Charged upfront or unexpected fees","sub_product":"Debt settlement","zip_code":"85207","tags":null,"has_narrative":true,"complaint_id":"7755226","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"T.S. Holdings","date_received":"2023-10-25T16:13:33.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["IQ Data Collections took on a debt of mine that should have never existed and is now harassing me by calling my <em>employer</em> and <em>coworkers</em>."]},"sort":[19.221916,"7755226"]},{"_index":"complaint-public-v1","_id":"2977682","_score":19.190702,"_source":{"product":"Debt collection","complaint_what_happened":"Hello CFPB, I received multiple phone calls from a rude man named XXXX XXXX XXXX from Nationwide Debt Collections on XXXX XX/XX/2018. XXXX  first called me at XXXX XXXX on my cellphone, and then proceeded to call my work company three more times after, back to back, an hour or so later. After he called my cell phone to which I answered saying I was at work and that I would return his call shortly, he called me work phone which he is not allowed to do. I specifically told him not to contact me at work and to only contact me via my cell phone, and that I was unavailable to talk at that moment because I was at work. He then called my work phone again, and created lies saying that my dad didn't care if I went to jail or got sued, and he said my dad was swearing at him when he just got off the phone with him and he was upset at my dad. It was clear he was taking his anger out from my dad onto me, because my dad did not want to speak with him. He called an additional two more times, to which I asked my coworker to answer because I was feeling very overwhelmed and harassed by this rude man. He then started talking very rudely to my coworker, and told him he was a collection agency and that I owed money, disclosing very personal details to my coworker which he is certainly not allowed to do. He has a very aggressive nature, and my coworker was severely taken aback by XXXX 's behavior.\n\nWe already told XXXX that we are willing to go to court over the debt amount, but he still was harassing us and trying to scare us into paying. He also kept changing the amounts we owed.\n\nI believe XXXX XXXX preyed on me because I was young, and he tried to get me to pay using deception and fear. I have never in my life spoken to someone so rude and overall as terrible as a human as XXXX. He is not allowed to harass me and call me employer several times, even after I explicitly asked him not to. He is also not allowed to harass my family members. He is not allowed to tell my employer about any of my personal stuff. He violated all these rights that I am protected with, and it is simply not okay.","date_sent_to_company":"2018-07-31T23:17:54.000Z","issue":"Communication tactics","sub_product":"Auto debt","zip_code":"94587","tags":null,"has_narrative":true,"complaint_id":"2977682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nationwide Debt Management Solutions, LLC","date_received":"2018-07-31T22:44:01.000Z","state":"CA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["He is not allowed to harass me and call me <em>employer</em> several times, even after I explicitly asked him not to. He is also not allowed to harass my <em>family</em> members. He is not allowed to tell my <em>employer</em> about any of my personal stuff. He violated all these rights that I am protected with, and it is simply not okay."]},"sort":[19.190702,"2977682"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":588454,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":549101},{"key":0,"key_as_string":"false","doc_count":39353}]}},"product":{"doc_count":549101,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":298059,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":295722},{"key":"Other personal consumer report","doc_count":2337}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":71093,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":69596},{"key":"Other personal consumer report","doc_count":1313},{"key":"Credit repair services","doc_count":184}]}},{"key":"Debt collection","doc_count":58633,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":22168},{"key":"Credit card debt","doc_count":9806},{"key":"Other debt","doc_count":6319},{"key":"Other (i.e. phone, health club, etc.)","doc_count":3435},{"key":"Medical debt","doc_count":2768},{"key":"Medical","doc_count":2270},{"key":"Credit card","doc_count":2181},{"key":"Auto debt","doc_count":2049},{"key":"Payday loan debt","doc_count":1788},{"key":"Rental debt","doc_count":1332},{"key":"Telecommunications debt","doc_count":1220},{"key":"Mortgage debt","doc_count":699},{"key":"Payday loan","doc_count":665},{"key":"Private student loan debt","doc_count":492},{"key":"Federal student loan debt","doc_count":472},{"key":"Auto","doc_count":319},{"key":"Mortgage","doc_count":240},{"key":"Non-federal student 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