{"took":64,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":40,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10073864","_score":19.26427,"_source":{"product":"Debt collection","complaint_what_happened":"A representative from Capital Asset Recovery DBA Jacobson & Wright left me voicemails claiming that the original loan company was threatening to take legal action against me. I confirmed with the original loan company that this was not true, then contacted Capital Asset Recovery again where their representative proceeded to state all my personal information including my full social security number and date of birth without confirming who he was speaking to. He again stated that the loan company was ready to move forward with legal action and when I asked for evidence of this as well as evidence of my debt owed, he became belligerent and threatened to hang up the phone and proceed with a civil lawsuit.","date_sent_to_company":"2024-09-10T22:53:35.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"10455","tags":null,"has_narrative":true,"complaint_id":"10073864","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Capital Asset Recovery INC DBA Jacobson and Wright","date_received":"2024-09-10T22:43:35.000Z","state":"NY","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["He again stated that the loan company was <em>ready</em> to move forward with legal action and when I asked for evidence of this as well as evidence of my debt owed, he became belligerent and threatened to hang up the <em>phone</em> and proceed with a civil lawsuit."]},"sort":[19.26427,"10073864"]},{"_index":"complaint-public-v1","_id":"13893814","_score":17.05183,"_source":{"product":"Credit card","complaint_what_happened":"Today, XX/XX/year>, between XXXX and XXXXXXXX XXXX, I contacted Citibank after being notified of an outstanding balance of {$100.00} on my credit card. When attempting to verify my identity through their website, I was unable to proceed because the phone verification system failed to send the code to my registered number. \n\nI then attempted to resolve the matter over the phone and offered to make the full payment of {$100.00} immediately to avoid any additional charges. However, the representative refused to process the payment because they were again unable to verify either my phone number or security question. \n\nDuring the call, I provided my full personal information : Social Security Number Date of Birth Full Name Card Number Despite my clear intention to resolve the issue and fulfill my payment obligation, the agent refused to accept my payment and could not guarantee that I wouldnt be charged further fees. \n\nWhen I requested a reference number for the call and the agents full name, they refused to provide either. Additionally, the agent declined to confirm the mailing address where the verification letter and code were allegedly sent. \n\nMy complaint is that I am being penalized for an issue that is not my fault. I am ready and willing to pay my full balance of {$100.00}, and I find it abusive and unacceptable that Citibank is preventing me from doing so due to a technical failure on their end. \n\nI respectfully request that this matter be escalated, that my account not incur further fees, and that I be contacted with a resolution as soon as possible. \n\nThank you for your attention to this urgent matter.","date_sent_to_company":"2025-06-04T15:17:34.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"92173","tags":null,"has_narrative":true,"complaint_id":"13893814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-06-04T14:50:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["When attempting to verify my identity through their website, I was unable to proceed because the <em>phone</em> verification system failed to send the code to my registered number. \n\nI then attempted to resolve the matter over the <em>phone</em> and offered to make the full payment of {$100.00} immediately to avoid any additional charges. However, the representative refused to process the payment because they were again unable to verify either my <em>phone</em> number or <em>security</em> question."]},"sort":[17.05183,"13893814"]},{"_index":"complaint-public-v1","_id":"1817443","_score":16.078857,"_source":{"product":"Credit reporting","complaint_what_happened":"This is the second time I file a complaint against Lexis Nexis Risk & Information Analytics Group Inc. \nI received an adverse action notice from XXXX regarding a recent credit check. They provide the name of the credit reporting agency, Lexis Nexis Risk & Information Analytics Group Inc., as the agency that can provide me with my free credit report. They state that I have 60 days to obtain the report from the date provided on notice, XXXX XXXX, 2016. \nUpon contacting LexisNexis Risk & Information Analytics Group Inc., I was asked to have my social security number, date of birth, zip code, address number, and phone number ready. I provided my social security number to the automated system and the automated system stated that the social security number provided was not able to be verified. I called the number provided, ( XXXX ) XXXX, a second time and received the same message. \nThe contact information provided for LexisNexis Risk & Information Analytics Group Inc. is the following : LexisNexis Risk & Information Analytics Group Inc. \nXXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I have attached my driver 's license with both my maiden name and married name. \nI have included my social security cards, XXXX with my maiden name and the other with my married name. \nI also included a copy of my most recent utility bill with my maiden name and current address. \nI included a copy of my banking statement with my current address. \nFinally, I attached a copy of the adverse action notice received.","date_sent_to_company":"2016-03-06T21:59:51.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"88005","tags":null,"has_narrative":true,"complaint_id":"1817443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2016-03-06T21:59:51.000Z","state":"NM","company_public_response":null,"sub_issue":"Problem getting report or credit score"},"highlight":{"complaint_what_happened":["Upon contacting LexisNexis Risk & Information Analytics Group Inc., I was asked to have my social <em>security</em> number, date of <em>birth</em>, zip code, address number, and <em>phone</em> number <em>ready</em>. I provided my social <em>security</em> number to the automated system and the automated system stated that the social <em>security</em> number provided was not able to be verified. I called the number provided, ( XXXX ) XXXX, a second time and received the same message."]},"sort":[16.078857,"1817443"]},{"_index":"complaint-public-v1","_id":"4349347","_score":15.704678,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was denied auto insurance through XXXX and was sent a letter dated XX/XX/2021 stating that I was denied due to information obtained from LexisNexis Risk Solutions. On Tuesday XX/XX/2021 at XXXX XXXX PDT I attempted to contact LexisNexis by phone to obtain the information/reports that caused my denial for insurance coverage. After a series of automated messages I am given the option to press 7 to speak with a live representative. I press 7 and I am told that representatives are available Monday through Friday from XXXX to XXXX Eastern time, and it then says that I am also able to obtain information by going to XXXX and then the phone disconnects. As I am calling on a Tuesday at XXXX XXXX PDT ( XXXX XXXX EDT ) I should be able to contact a live representative to obtain my report without getting immediately disconnected. I also attempted to visit the provided website and selected \" I received an adverse action letter '' where it then provides the following information and directs to call the number I provided earlier : \" If you received an Adverse Action Letter An adverse action letter is sent when a carrier has not given a consumer the best rate for insurance or taken any of the following actions : Denied you insurance Increased your rates Limited your coverage Cancelled your policy If your insurance company has sent you an adverse action letter, please contact the LexisNexis Consumer Center at XXXX to request the information related to the adverse action. Please be ready to provide your first and last name, Social Security Number, drivers license number and state in which it was issued, date of birth, current home address and phone number. If your insurance carrier provided a reference number on the adverse action letter you received, please be ready to provide it, as well. This will help expedite the process. '' This is extremely frustrating and it feels like I am directed in circles to obtain the information on why I was denied coverage. I have also been the victim of identity theft so I am concerned that there may be possible fraudulent activity/information contained within my report.","date_sent_to_company":"2021-05-04T18:47:23.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"98042","tags":null,"has_narrative":true,"complaint_id":"4349347","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2021-05-04T17:46:09.000Z","state":"WA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Please be <em>ready</em> to provide your first and last name, Social <em>Security</em> Number, drivers license number and state in which it was issued, date of <em>birth</em>, current home address and <em>phone</em> number. If your insurance carrier provided a reference number on the adverse action letter you received, please be <em>ready</em> to provide it, as well. This will help expedite the process. '' This is extremely frustrating and it feels like I am directed in circles to obtain the information on why I was denied coverage."]},"sort":[15.704678,"4349347"]},{"_index":"complaint-public-v1","_id":"10008037","_score":14.903212,"_source":{"product":"Checking or savings account","complaint_what_happened":"Ally bank, on-line banking service I have been a client for over XXXX years. They are reversing refunds to my account when I notified them that my account was being double charged stating I have a relationship with the merchant. In reality I stopped purchasing from the merchant. I did not authorize XXXX transaction charged on my checking account. Also, I do not have overdraft on my checking account. Ally has denied basic privileges of other clients. Ally is aware that my account was hacked. I made a complaint with the FTC already. Ally is reversing refunds to also overdraft my account. Ally has treated a customer of XXXX  years as if I commonly overdraft my account. Ally is refusing XXXX payments into my account from my established relationship on XXXX with my son and his contact number. Now they have proof that relationship is established but wouldn't honor his XXXX payment into my checking account to bring my account out of the XXXX. Ally is actively trying to cause my account to be closed. Ally also will not allow me to change my security questions which have been compromised by a hacker/cyber attack. Ally is falling into the cyber attacker 's wishes. Emails have been sent utilizing spoofing to send contacts something I did not send myself. My son and daughter-in-law are receiving calls from my son 's phone number while they are both communicating on the phone together. I have been intercepted trying to call Ally with robotic customer service agents who sound not human. Also the voices are the same XXXX people answering Ally 's customer service number every time I contact them. I am a victim of spoofing, cyber stalking, phishing, interception of phone lines. I am ready willing and able to hand over my electronics to someone who can actually do something about these cyber criminals. Ally bank is not accepting my chance to change my security questions. My social security, my mother 's maiden name, and my date of birth are no longer protected at this point. Ally is treating me the client in a way it does not commonly treat other clients. I have tried to contacted identity theft with the FTC. I had numerous issues all factual going on in my life. Thank you for reading and trying to understand the panic behind the text.","date_sent_to_company":"2024-08-31T00:32:40.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"10008037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-08-30T23:38:45.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["I am a victim of spoofing, cyber stalking, phishing, interception of <em>phone</em> lines. I am <em>ready</em> willing and able to hand over my electronics to someone who can actually do something about these cyber criminals. Ally bank is not accepting my chance to change my <em>security</em> questions. My social <em>security</em>, my mother 's maiden name, and my date of <em>birth</em> are no longer protected at this point. Ally is treating me the client in a way it does not commonly treat other clients."]},"sort":[14.903212,"10008037"]},{"_index":"complaint-public-v1","_id":"3578435","_score":14.5876465,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Back in XXXX, around XX/XX/, I got a notification from XXXX XXXX that there was a new collection reporting on my credit bureaus. So, when I went ahead to check XXXX XXXX it showed on both my XXXX  and XXXX  reports that there was one derogatory mark from a collection agency. After further research I discovered that XXXX XXXX XXXX, XXXX had put the collection amount for {$1000.00} onto my report and showed the original creditor 's name as XXXX XXXX XXXX XXXX. In addition, it also showed the first date of delinquency as XX/XX/2013. I have no recollection of ever obtaining a Payday loan in the year of XX/XX/2013 or earlier. This was a surprise to me and I knew that there was definitely a mistake. I reached out to the phone number that was provided for the collection agency. I was able to get in touch with a gentleman ; I don't recollect his name, who asked for my Social Security number but, I refused to give it, for security reasons. I provided my full name and Date of Birth and they were able to pull my information. I requested an explanation of what this debt was and where it was coming from. He simply stated that it was a Payday loan that I had taken in XX/XX/2013 and if I had a credit card and was ready to pay. I tried to obtain more information on who the original company was, which he refused and said that I could look it up on line and that this was the debt that I owed. I requested documents to be sent to me as proof that I owed this debt and to show my signature or information to support. He refused and got rude and demanded I pay right away. He hung up on me when I tried to get more information and explain that this was not my debt and I have no Idea of what it was ; what the Payday loan was.","date_sent_to_company":"2020-03-24T18:36:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"50125","tags":null,"has_narrative":true,"complaint_id":"3578435","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-03-24T18:23:17.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I reached out to the <em>phone</em> number that was provided for the collection agency. I was able to get in touch with a gentleman ; I don't recollect his name, who asked for my Social <em>Security</em> number but, I refused to give it, for <em>security</em> reasons. I provided my full name and Date of <em>Birth</em> and they were able to pull my information. I requested an explanation of what this debt was and where it was coming from."]},"sort":[14.5876465,"3578435"]},{"_index":"complaint-public-v1","_id":"10614484","_score":14.566013,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX FEBDESTINY ran a hard inquiry on my XXXX credit report without my knowledge or consent. On XX/XX/XXXX I received a credit card I never applied for from Destiny Mastercard issued by XXXX XXXXXXXX XXXX serviced by Concora Credit Inc. \n\nOn XX/XX/XXXX I called Destiny Card / XXXX XXXXXXXX XXXX  XXXX Concora Credit to inquire about the fraudulently issued credit card. They initiated a dispute, said they blocked the card and I will receive paperwork in the mail I will need to fill out to eliminate the card. I did not activate the card. \n\nI asked them to provide information about who applied for this card and how it was issued without my knowledge or consent. They said they had no information about the application other than the date it was made, XX/XX/XXXX. \n\nThe information they have for me on this account is mostly accurate, including my name, email, address, and I assume social security number. The phone number they have on file is an old one I have not used in many years, one which I would not have used on any credit application in many years. When I provided my birth date to them, the representative told me they had a different birth date on file for me. They would not tell me what birth date they have on file. So whoever initiated this fraudulent application apparently fabricated a birth date. \n\nI called XXXX to ask if they require a company to match my correct birth date to get access to my credit file and they said they do not require a company to provide my birth date before granting access to my credit file. They said it is pretty much up to the company what information they use to gain access. I initiated a dispute against the credit inquiry with XXXX and they also said they would block this company from reporting a new account on my file. \n\nIt seems strange to me that this bank could restrict the information they would provide me based on the birth date discrepancy but they themselves were not required to provide my birth date before being granted access to my credit file. \n\nThe credit card representative said the terms of the new account should have been sent to me by email. I found a Welcome email from Destiny Mastercard XXXX on XX/XX/XXXX. There were no terms in that email. So they did not send terms by mail or email. \n\nI suspected this account was fraudulently issued internally by this bank, rather than an outside third party identity thief. Along with that suspicion, I suspected that this account probably has a very high annual fee, and that could be a motive for why this bank is opening fraudulent accounts and pushing them on consumers they perceive to be in a vulnerable financial situation and ready to accept any line of credit that becomes available. \n\nThe first representative would not tell me whether there are any annual fees on this account. When I called back, I was informed there is a {$170.00} annual fee, confirming my suspicions. \n\nAfter all, why would a thief fill out a fraudulent application, only to send the card to me and not to themselves, and be unable to use it for themselves? There was no email, phone number or mailing address put on the application that could be used by any person other than myself to gain access to the credit line. \n\nOn top of that, I can see on my XXXX report that XX/XX/XXXX is not the first time FEBDESTINY has accessed my credit report. I think it may be the first time they ran a hard inquiry. But they ran nearly a couple dozen soft inquires over the course of the past year. So they already had my information. They apparently did not need someone to offer my information to them on XX/XX/XXXX to apply for a card. They already had it. I don't know how they originally got my info a year ago when these soft inquiries started.","date_sent_to_company":"2024-10-29T19:26:04.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"60452","tags":null,"has_narrative":true,"complaint_id":"10614484","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2024-10-29T19:20:42.000Z","state":"IL","company_public_response":null,"sub_issue":"Sent card you never applied for"},"highlight":{"complaint_what_happened":["The information they have for me on this account is mostly accurate, including my name, email, address, and I assume social <em>security</em> number. The <em>phone</em> number they have on file is an old one I have not used in many years, one which I would not have used on any credit application in many years. When I provided my <em>birth</em> date to them, the representative told me they had a different <em>birth</em> date on file for me. They would not tell me what <em>birth</em> date they have on file."]},"sort":[14.566013,"10614484"]},{"_index":"complaint-public-v1","_id":"6408900","_score":14.129139,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted Transunion over a period of one year, starting in XX/XX/XXXX, dozens of times by mail and phone. I initially received 20+ letters stating \" Unable to locate Credit Report, '' which is odd because they provided credit scores, and I was being denied credit with Transunion listed as the CRA . After sending my information to them many times, the same situation continued. In the hundreds of hours dedicated to this problem, I finally noticed a social security number with two digits transposed in an old credit file from XXXX. \n\nAfter multiple calls and verifications again, Transunion finally \" found '' my credit file and said they would mail it to me. I received a letter requesting confirmation of proof of my social security number and proof of date of birth, Again. When I finally received my first copy of my Transunion Credit file 14 months after the first request, in early XX/XX/XXXX, I found seriously inaccurate information. Paid and closed school loans over {$100000.00}, and much more. I was told that I could dispute one item at a time, and when it was resolved, I could move to the next item. There were nine school loans alone. Unsatisfactory. I spoke to a supervisor and told him I would be disputing all of the fraudulent information immediately. The failure of Transunion to accept that would be met with a flurry of lawsuits. I asked him to transfer me to their legal department if the proposal I was offering was untenable. We resolved most of the discrepancies by the end of XXXX. \nNow, ready to view my credit file online, I was denied, again and again. I got the special department, who admitted it was an error on their part, and as of Thursday, I had a phone message stating it was resolved, and I could see my credit file online. No joy. I have uploaded a screenshot of the garbage I have been getting for 15 months. They deserve a series of lawsuits by my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But, I have always gotten a resolution through CFPB, and that is why I am writing XXXX you tonite at XXXX am.","date_sent_to_company":"2023-01-07T09:20:52.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"37205","tags":"Older American","has_narrative":true,"complaint_id":"6408900","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-07T08:43:50.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["In the hundreds of hours dedicated to this problem, I finally noticed a social <em>security</em> number with two digits transposed in an old credit file from XXXX. \n\nAfter multiple calls and verifications again, Transunion finally \" found '' my credit file and said they would mail it to me. I received a letter requesting confirmation of proof of my social <em>security</em> number and proof of date of <em>birth</em>, Again."]},"sort":[14.129139,"6408900"]},{"_index":"complaint-public-v1","_id":"9027795","_score":12.283594,"_source":{"product":"Checking or savings account","complaint_what_happened":"***WARNING re : Marcus by Goldman Sachs Security & Accessing Funds for House Down Payments*** I am in the process of buying a house, and had the money intended for the down payment in my Marcus by Goldman Sachs account XXXX \n\nOn XX/XX/XXXX, I called Marcus to inform them that I would be needing to make a large transfer out of the account ( {$140000.00} ) to an attorney 's escrow account in the next few days. \" No problem, just call us and tell us the account when you're ready '' they said. Great! \n\nOn XX/XX/XXXX I called to request the transfer. I was told I couldn't do it, as the destination account was not in my name. Nobody told me this earlier -- but in need of the funds being transferred ASAP, I authorized a transfer to my XXXX XXXX  XXXX account and would then wire them from there into escrow. The same XXXX XXXX XXXXXXXX account has been linked to Marcus for years, with dozens of transfers in and out. \n\nA little while later, a Marcus rep called to confirm that I had indeed authorized the transfer. I confirmed and provided my authentication details. A few hours after that, another rep called to tell me that actually, they couldn't complete the transfer because another account was linked to Marcus that wasn't in my name. The other account is my wife 's account, and has similarly linked to Marcus for quite a while with a history of transfers in and out. This was not the account we were transferring to... it was just there. \n\nThey then informed me that the only solution was to send the money in Marcus 'back to the original accounts '. This meant ~90 % ( $ XXXX ) of it to my XXXX and XXXX % ( $ XXXX ) to my wife 's XXXX. Fine -- the 90 % could cover the urgent down payment needed. I stressed the importance of this transaction going through quickly as these hurdles were not made clear to me and I was assured the funds would be available quickly when needed. \n\nOn XX/XX/XXXX, I called to check on the status of the transfers. The one to my XXXX XXXX XXXX account had been reversed, my wife 's transfer was still pending. I called repeatedly to get the transfer unreversed, begging them as we were at risk of losing the house. It finally went through after about a dozen phone calls ( XXXX from the fraud support team was the ONLY one who was actually able to provide competent answers out of the countless others who fed me nonsense ). \n\nOn my XXXX the transfer to my wife 's account was reversed without providing us with a reason or a verification. Just reversed. \n\nOn XX/XX/XXXX and XXXX, I restarted the effort to transfer the remainder out. Online transfers tell me an issue has occurred and to call the support number. After authenticating over the phone with my birth date, last 4 of social, and secret word, I was told that the phone number on file had been \" imported into their new system, and they can not send authentication codes to it. '' I have a New York driver 's license, and they can not authenticate with that either. \n\nSo ... they asked me for a new phone number to send an authorization code to. I CAN NOT STRESS enough what a MASSIVE security flaw this is. I was told I could provide just any secondary cell number that wasn't the one on file. In no way, shape or form does this help verify my identity and is in fact a huge security flaw in and of itself. A user should never ever provide their own second factor of authentication, it makes XXXX sense to ask me to provide an arbitrary phone number that deliberately is *not* the one on file. Wholly unacceptable. \n\nAnyway... the money is still in my account, and they will not let transfers through, and they can't authenticate me over the phone because they can't send a 2 factor auth code to my phone and they can't verify New York drivers licenses. My money is locked and they will not authenticate me over the phone to transfer it, and attempting online transfers tells me to call.","date_sent_to_company":"2024-05-16T14:57:45.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"10021","tags":null,"has_narrative":true,"complaint_id":"9027795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-05-16T14:24:00.000Z","state":"NY","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["After authenticating over the <em>phone</em> with my <em>birth</em> date, last 4 of social, and secret word, I was told that the <em>phone</em> number on file had been \" imported into their new system, and they can not send authentication codes to it. '' I have a New York driver 's license, and they can not authenticate with that either. \n\nSo ... they asked me for a new <em>phone</em> number to send an authorization code to. I CAN NOT STRESS enough what a MASSIVE <em>security</em> flaw this is."]},"sort":[12.283594,"9027795"]},{"_index":"complaint-public-v1","_id":"12261593","_score":12.140846,"_source":{"product":"Debt collection","complaint_what_happened":"Ive never once had XXXX energy. This account just made my credit score drop over XXXX points. I am livid I dont understand how these bureaus make it so easy for people to obtain and steal your identity. Its frustrating, Ive had phones, cars even an apartment gotten in my name due to identity theft but nobody cares to actually investigate. I have a hotel address and a fake address on my credit profile as we speak. I deserve a fair credit report and maybe if I wasnt a young XXXX woman, people would actually take me serious and these bureaus would actually care. Im pissed. Ive had XXXX XXXX accounts on my XXXX and XXXX reports for years now DESPITE ME constantly disputing, filing police reports, and calling. It obviously wasnt me, why would I have had a XXXX XXXX card thats been open since XXXX when I was only XXXX  at the time!! But again this is proof of ignorance and neglect. I also need whatever XXXX XXXX account removed from my XXXX and XXXX reports, Ive said several times it was not me and proved so.Do better.. because my next step is pulling a class action or joining one. Im ready to tell my XXXX story. I live in XXXX, Texas one of the cities with the highest fraud rates, the same city where people break in just to steal your documents. Ive had it happen, my passport, both of my XXXX, my social security, AND my birth certificate were stolen in a home robbery, theres police documentation of these incidents, its so common in XXXX youd think you would all do more to fight it. I looked into XXXX XXXXXXXX myself and apparently they didnt even have paystubs or real proof of income from whoever obtained the loan. Its crazy how all XXXX people look the same, they dont even care to actually look into stuff not these greedy companies or these ignorant bureaus. I never once worked at XXXX XXXX XXXX and that was what was used as income you can search my social and see the places I worked and it was never there. These bureaus are LAZY.","date_sent_to_company":"2025-02-28T07:36:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77033","tags":null,"has_narrative":true,"complaint_id":"12261593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-28T07:13:09.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Im <em>ready</em> to tell my XXXX story. I live in XXXX, Texas one of the cities with the highest fraud rates, the same city where people break in just to steal your documents. Ive had it happen, my passport, both of my XXXX, my social <em>security</em>, AND my <em>birth</em> certificate were stolen in a home robbery, theres police documentation of these incidents, its so common in XXXX youd think you would all do more to fight it."]},"sort":[12.140846,"12261593"]},{"_index":"complaint-public-v1","_id":"5173158","_score":11.140608,"_source":{"product":"Mortgage","complaint_what_happened":"In XX/XX/XXXX I paid the deposit and upgrades ( XXXX dlls ) of a house that was going to be built in ( XXXX XXXX XXXX  ) XXXX XXXX XXXX CA. The seller was XXXX XXXX But he left that job approximately in XX/XX/XXXX and XXXX XXXX arrived. it was a desperate disaster and with almost 1 year of waiting nobody gave us an explanation. my husband was eligible for a first time home buyer loan with USDA. the house would be in XX/XX/XXXX but it was not ready until XX/XX/2021.in XXXX we were recommended to XXXX XXXX Loan Officer at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX We realized that XXXX XXXX. now works for Cornerstone First mortage Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA. \nhe convinced us and we decided to start the loan with him and his company Cornestone. On XX/XX/XXXX they ( XXXX XXXX XXXX XXXX XXXX gave us the certificate of occupancy, the sellers of the house told us that we had to have all our documents ready, that we be in contact with our lender so that everything is ready before XX/XX/XXXX, this was the deadline to close after a year of waiting we were very excited since we had everything in order from our side everything was fine that's what the lender told us. \nOur credit was fine, it just had too many readings, the lender checked it in XXXX, then XXXX, then XXXX  times in XXXX. We questioned him, we told him that this affected us and lowered our points. he said no, that everything was fine. After XX/XX/XXXX. Everything got very strange because he did not answer our calls and messages anyway, by XX/XX/XXXX we constantly asked him when we would close. on the XXXX he told us that we would close until the XXXX which seemed wrong to us it was the last day. \nIt arrived on XX/XX/XXXX and we received an email from \" approved loan '' and told us that we were advanced. On the XXXX, he did not answer us all day, he kept us on hold until he told us that we would not close, perhaps on Saturday. \nAll day Saturday he did not answer us, until Sunday morning and said that my social security needed verification. He told us that he had covid and that in his house he did not get a good signal. \nOn Monday, he contacted XXXX XXXX, a seller of XXXX 's houses in XXXX Ca, and told him that he needed an extension of time because the social security needed to verify my social security number. \nthe seller said yes. That's how it went all Tuesday XXXX this day he told us to leave the deposit of the closing costs to advance ( XXXX dlls ), Wednesday XXXX, Thursday XXXX, he told us that it didn't arrive, on Friday he told us that they sent the verification wrong again and asked for another XXXX  days The seller said yes, but that it would be the last time he would give us. XXXX XXXX assured that the only thing missing was to verify my social security and that's it. Monday the XXXX he said that it was ready, and he made us sign papers like at the beginning we asked him why? and he told us that he had to do it all over again, we were very confused. he kept saying that he had covid and that he couldn't see us in person.Then he told us that our credit had gone down too much, we explained that this happened after signing the loan for XXXX cents on a card that we had just finished paying off we did not realize the interest payment, but that was long after the day XX/XX/XXXX. \nOn the XXXX we went to sign with his boss XXXX XXXX from the same Cornestone company in XXXX XXXX CA, there we saw that the interest on the loan was 3.6 % not the one that froze us we had 3 % and the payment went up by XXXX dlls. we were upset but we signed we wanted our house.That day I was very upset, crying I did not understand what was happening so they told us that XXXX no longer worked there that we were his last dealings and they forced him to come to face us. He came and told us that the interest went up because our credit went down ( from XXXX to XXXX ) that he started the loan again and that the one we started was no longer worth it. HE NEVER WARNED US he didn't tell us. He told us that the documents would be 3 days in review time but that early Friday we would sign and they would give us the keys. \nWe waited 3 days and we were calling and seeing if they could advance the time a little because again Friday was our last day. on Friday XXXX around XXXX pm they tell us NO, that the credit score is low and that it is not possible. It was another explosive moment because for 2 years we had impeccable credit and by the time we had to close our credit was still good. \nWe told them that they had started loans XXXX  in the same month, and they had read our credit many times, they ( XXXX and company ) blamed XXXX because he made a mistake in my date of birth. And that he did not tell us that we were no longer eligible for USDA but we told him that he had been aware of the case since XX/XX/XXXX. \nHe said that he could start us another loan with FHA but he gave us interest of XXXX for the credit score but that he needed to ask the seller for XXXX more month Which was too much. \nThe seller XXXX XXXX said that it was too much XXXX month that he would try to help us ( he is also a lender XXXX MORTGAGE ) on Saturday he asked us for all the documentation and told us that he would verify if they ( XXXX ) gave us more time But until today, Tuesday, XX/XX/XXXX, he has not answered the phone I would not want to lose my house, and my illusions. and above all I want XXXX and cornestone to have a punishment after this nightmare that they are making us go through, I have not slept the whole month of XXXX, nervous, and with too much stress this is terrible. They are incompetent, I would not want another family to go through this","date_sent_to_company":"2022-02-02T00:19:05.000Z","issue":"Closing on a mortgage","sub_product":"Other type of mortgage","zip_code":"92231","tags":null,"has_narrative":true,"complaint_id":"5173158","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Cstone Mortgage Inc","date_received":"2022-02-01T22:28:46.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX assured that the only thing missing was to verify my social <em>security</em> and that's it. Monday the XXXX he said that it was <em>ready</em>, and he made us sign papers like at the beginning we asked him why?"]},"sort":[11.140608,"5173158"]},{"_index":"complaint-public-v1","_id":"16888447","_score":11.08276,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX, Social Security XXXX, Date of Birth XX/XX/year>. After XXXX dispute I am writing my last complaint before I lawyer up and see everyone in court against EQUIFAX for violating my rights under law XXXX U.S. CODE & XXXX - AGGRAVATED IDENTITY THEFT. I have been a victim of the data breach and identity theft and because of that all my account was affected including the XXXX XXXX where EQUIFAX had removed and putting back without XXXX BANK concern. Despite my related attempts to have EQUIFAX fix my credit reports properly, they have failed to do so. Last call confirmation # XXXX the person who answer the phone confirm that no late payment shows on my credit report after I asked him several times and avoid a new dispute he transfer me to his manager where she confirm that the late payment still and will be remain. I explained to her that XXXX Bank should sent you the letter but she refused with her tone laughing and discriminating me because of my accent. A year ago, i discovered that my identity had been stolen when I noticed unauthorized accounts on my credit report. XXXX bank was affected as well. My card was shout down as well as the XXXX  by XXXX Bank where I could not has access to my information I was suggested by the manager branch to pay my card in full and she will send me a new invitation to apply for a new credit card and avoid further fraud because my identity was exposed. The late payment that EQUIFAX keep showing was initiated by me. Its the result of the many problems that I have with XXXX  like EQUIFAX where lock of secured and report the right information.However, despite providing all necessary documentation and evidence EQUIFAX has removed and getting this information back to my report and refused to properly fix my credit report. Furthermore, EQUIFAX has failed to comply the law and fix my credit report properly required by law and has not taken appropriate action to protect my personal information from further unauthorized use. This negligence on the part of EQUIFAX has caused me significant financial and emotional distress. \nI urge the Consumer Financial Protection bureau to protect my rights that EQUIFAX has violated and keep playing around without be respectful and accountable for their negligent actions.I demand to EQUIFAx be required to comply with all legal requirements and take immediate delation of this account fix and correct my credit report to prevent further damage to myself and to them IM READY FOR LITIGATION! \nThank you for your attention to this matter. I look forward to a prompt solution of this issue.","date_sent_to_company":"2025-10-30T04:57:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33139","tags":null,"has_narrative":true,"complaint_id":"16888447","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-30T04:56:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My name is XXXX XXXX, Social <em>Security</em> XXXX, Date of <em>Birth</em> XX/XX/year>. After XXXX dispute I am writing my last complaint before I lawyer up and see everyone in court against EQUIFAX for violating my rights under law XXXX U.S. CODE & XXXX - AGGRAVATED IDENTITY THEFT. I have been a victim of the data breach and identity theft and because of that all my account was affected including the XXXX XXXX where EQUIFAX had removed and putting back without XXXX BANK concern."]},"sort":[11.08276,"16888447"]},{"_index":"complaint-public-v1","_id":"1923796","_score":10.757771,"_source":{"product":"Debt collection","complaint_what_happened":"This is a complaint filed for Zenco Collects in association with a complaint already filed for XXXX XXXX XXXX # XXXX on XXXX XXXX XXXX. \nOn Thursday, XXXX XXXX, at XXXX XXXX, a message was left on my cell phone from a XXXX XXXX from the office of Zenco. She stated that she had an urgent legal message and had received paper work attached to my name, Social Security number and date of birth that require my immediate attention. That at this time a final decision is ready to be rendered on my paperwork. This was a time sensitive matter, failure to return the call will cause the paperwork to be processed. File # XXXX. When I got home from work I returned her call to find out what this was regarding. XXXX XXXX informed me that she was an arbitrator for XXXX XXXX, that a debt from XXXX had been thrown back into the debt pool and had been audited by XXXX XXXX who deemed the debt now collectible. XXXX XXXX was now prepared and ready to take me to court, garnish my wages, had filed a XXXX with the IRS and had a Court filing date of XXXX XXXX. She also shared how my XXXX was in danger and even my employment at XXXX I work at as XXXX was at risk. When I calmly tried to ask her a question she shut me down, implied I was not listening, was being rude and could wait until the end to ask any questions. She then proceeded to inform me as an arbitrator she was authorized to offer me two options to avoid legal action from XXXX XXXX. The first was to accept the generous offer to pay only {$7000.00} or the Second to take a \" hardship '' payment plan of {$300.00}. per month for 6 months at which time the file would be re-evaluated again on the whole {$20000.00}. \nI explained that I have only returned to the United States last year after serving as a XXXX in XXXX XXXX for 8 years. I have only started a full time job as of XX/XX/XXXX and I only make XXXX. an hour, I am unmarried, I have no assets to speak of. I do n't even own a car. I would have to choose the '' hardship '' plan to stay out of court. She wanted to know if I knew what a counter offer was and that I should be at least willing to meet them halfway. I asked her if {$3500.00} was what she meant by meeting them halfway. She said she would do her best but that she thought they would not go lower than {$4000.00}. They accepted the {$4000.00} offer to be paid by my debit card next Friday XXXX XXXX, they emailed me a document, agreement of settlement to be e-signed, which I did and sent it back. \nAfter over an hour on the phone, and being rushed, I had time to catch my breath, calm my self and read the letter. The letter clearly states nothing about XXXX taking me to court. Zenco was hired by another collection agency in Texas called XXXX XXXX XXXX. Zenco had lied to me. Please see the attached e-letter where it clearly states, RE : XXXX XXXX XXXX, Original Creditor : XXXX. \nZenco has misrepresented themselves and out and out lied, coerced, and manipulated the information to collect on an old debt that XXXX XXXX charged off in XXXX of XXXX. Additionally Zenco appears to be partnered with XXXX XXXX in some way to assist XXXX in a different way around trying to collect on the debt. I have already responded by disputing XXXX response as they did not act in accordance with their statement to cease collection and take no legal action. \nAdditionally I have recently received my free Credit bureau reports and there is no information on them in regards to any outstanding debt to XXXX XXXX. \nXXXX XXXX mistakenly believes that at XXXX an hour, after living expenses for food shelter and gas is paid that based solely upon a good credit score that I have the ability to pay. If I do have a good credit score it only because I do not use said credit. The ability to pay has never been based solely on a good credit score.","date_sent_to_company":"2016-05-15T19:43:25.000Z","issue":"Taking/threatening an illegal action","sub_product":"Credit card","zip_code":"376XX","tags":null,"has_narrative":true,"complaint_id":"1923796","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"ZENCO COLLECTION, LLC","date_received":"2016-05-15T19:43:24.000Z","state":"TN","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Threatened to sue on too old debt"},"highlight":{"complaint_what_happened":["On Thursday, XXXX XXXX, at XXXX XXXX, a message was left on my cell <em>phone</em> from a XXXX XXXX from the office of Zenco. She stated that she had an urgent legal message and had received paper work attached to my name, Social <em>Security</em> number and date of <em>birth</em> that require my immediate attention. That at this time a final decision is <em>ready</em> to be rendered on my paperwork. This was a time sensitive matter, failure to return the call will cause the paperwork to be processed. File # XXXX."]},"sort":[10.757771,"1923796"]},{"_index":"complaint-public-v1","_id":"3862194","_score":10.738599,"_source":{"product":"Debt collection","complaint_what_happened":"A representative who identified himself as XXXX ext. XXXX called my cell at XXXX Central on XX/XX/20 from a phone number of XXXX. The representative became very pushy when I told him I would settle the account on XX/XX/XXXX for a settlement amount of roughly {$1100.00} & a deletion letter. After becoming very rude I told him the hard sell approach doesn't work with me & I would make it a point to pay another representative to ensure he doesn't get the commission. He proceeded to tell me he'd be moving the account into his name & whenever I call in I'd have to speak with him. He then terminated the call. I called a second time at XXXX and he answered & hung up on me again. I called a 3rd time at XXXX spoke to a representative who identified herself as XXXX . I requested she note my account that the last representative was very rude & that I'd like to make a formal complaint. I was informed XXXX was a manager there and that she didn't want to \" get in trouble ''. I requested to be transferred to the Human Resources department & she agreed. I was then transferred to XXXX again and from there proceeded to tell me unless I'm ready to make a payment there was \" nothing to talk about ''. He proceeded to hang up on me for the 3rd time. I called a fourth time I spoke with a male representative who I asked to transfer me to the customer service department. The representative put me on hold, and XXXX again got on the call. He told me human resources doesn't speak with anyone externally & that he handles all the complaints for the entire company. He told me there was no way to file a formal complaint but to tell him what happened. To say the least this was very unprofessional. I feel the way he screamed my social security number & date of birth was very concerning. I feel that I was denied the opportunity to file a proper complaint. I feel I was verbally abused on this phone call while I was at work. I'm concerned that other employees refused to transfer me to any other employee. I understand collections is tough but the fact that a manager is allowed to conduct himself this way on a call is alarming. Obviously there is a lack of training, I only gave him 2 objections before his melt down. His rebuttal to requesting a call back on XX/XX/XXXX was \" Why? \". I suggest he role play more & also someone play the call back for him that generally helps. I hope this reaches someone internally who will hold him accountable. These are challenging times in our country, you guys are calling people with real problems. We don't need to be berated by a telephone tough guy on top of everything else. Hope you guys handle this internally because it's the right thing. But if not do it because this guy is not very good at his job, he should be in a training class not managing people.","date_sent_to_company":"2020-09-29T16:48:16.000Z","issue":"Communication tactics","sub_product":"Other debt","zip_code":"89081","tags":null,"has_narrative":true,"complaint_id":"3862194","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Hillcrest Davidson & Associates","date_received":"2020-09-23T20:55:40.000Z","state":"NV","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["I feel the way he screamed my social <em>security</em> number & date of <em>birth</em> was very concerning. I feel that I was denied the opportunity to file a proper complaint. I feel I was verbally abused on this <em>phone</em> call while I was at work. I'm concerned that other employees refused to transfer me to any other employee. I understand collections is tough but the fact that a manager is allowed to conduct himself this way on a call is alarming."]},"sort":[10.738599,"3862194"]},{"_index":"complaint-public-v1","_id":"5828092","_score":10.160958,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have a XXXX  Way2go debit card that I use on a regular basis. Unfortunately, I lost my card, so I ordered a replacement card on XX/XX/2022. I received the replacement card on XX/XX/2022. When I tried to activate the card by calling the number provided in the letter, I was informed the card has been disabled. Since then, I have talked to various customer service agents, but they were not able to verify my identity over the phone. I was asked to send a state issued id to the email address provided by the way2go representative, so I sent my XXXX state issued id. The confirmation email I received stated that my request would be processed within XXXX hours and if my issue is not resolved in XXXX hours, then I should call back. I called them back on XX/XX/2022, I was told that the ticket containing my ID they have may have expired, so I should resend it. I resent the ID on XX/XX/2022, and got the following message just after XXXX hour at XXXX XXXX ( XX/XX/2022 ) We have received your ID ( XXXX ) submission and it has been approved. We apologize for any inconvenience this may have caused but it was necessary for the security of your account. Please call the number on the back of your debit card. \n\nWhen I called the number on the back of my card on XX/XX/2022, I was told my card is disabled and I should prove my identity again. I sent the same id again on the same email address provided. Since the request was to be processed within XXXX hours, on not hearing anything back, I called back in the evening, and to my surprise, I was told that previously approved ID has been rejected this time. I should submit an alternate form of identification such as a passport. As per directions, I sent the copy of my passport to the same email address on XX/XX/2022 at XXXX XXXX. On XX/XX/2022 at XXXX XXXX, I received the following email, \" We have received your ID submission and at this time we would need additional information. Please send an ORIGINAL ID such a Driver License, US Passport or State ID or XXXX ORIGINAL secondary forms of ID such as your birth certificate and social security card ( front & BACK ) .. We apologize for any inconvenience this may cause but it is necessary for the security of the account. '' Since I wasnt sure if the rejection was for the state issued ID or passport, I replied back to that email on XX/XX/2022 at XXXXXXXX XXXX with the copy of my passport again. \n\nWhen I called the number at the back of the card at XXXXXXXX XXXX ( XX/XX/2022 ) to ask which ID - state issued ID or passport was rejected and to know the reason for rejection, I was told they dont know which id was rejected and the reason for rejection, so I should send XXXX of the IDs again. Before I could say anything else, my call was dropped by the representative/system immediately. \n\nMy last call to them was on XX/XX/2022 XXXX XXXX ( XX/XX/2022 ) which lasted for XXXX hours and XXXX minutes. I had talked to several agents in this call. I was told they can not verify any of my identity ( SSN, PASSPORT, ID ) and I should authenticate myself with the XXXX XXXX XXXX XXXX. I had mentioned to them that I have already authenticated myself with XXXX XXXX XXXX XXXX through ID.ME. and I have an updated verification banner that states I have been verified on XX/XX/2022. \n\nOn asking what next steps I need to take, I was told they are not able to help me. The last person I talked to refused to provide their name and instead dropped the call immediately. \n\nI am ready to provide any form of identification including passport and social security to prove my identity. I just want my debit card to be reenabled. I dont expect any additional funds to come into this card. I just need to use remaining funds of {$11000.00} already in the card. Please help.","date_sent_to_company":"2022-07-31T19:36:00.000Z","issue":"Problem getting a card or closing an account","sub_product":"Government benefit card","zip_code":"20147","tags":null,"has_narrative":true,"complaint_id":"5828092","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Conduent Incorporated","date_received":"2022-07-31T18:58:25.000Z","state":"VA","company_public_response":null,"sub_issue":"Trouble getting, activating, or registering a card"},"highlight":{"complaint_what_happened":["I am <em>ready</em> to provide any form of identification including passport and social <em>security</em> to prove my identity. I just want my debit card to be reenabled. I dont expect any additional funds to come into this card. I just need to use remaining funds of {$11000.00} already in the card. Please help."]},"sort":[10.160958,"5828092"]},{"_index":"complaint-public-v1","_id":"14861592","_score":9.678753,"_source":{"product":"Mortgage","complaint_what_happened":"My mortgage is with PHH Mortgage. I recently got a call from a fellow named XXXX XXXX, phone number ( XXXX ) XXXX representing himself with the PHH Mortgage lending department. The call came in to my house phone XX/XX/year> at XXXX am. I called him back at XXXX am, Wednesday ; XX/XX/year>. \n\nThey were offering me a new loan modification using a government program I was told and asked if I was interested. I said \" yes ''. He then transferred me to another gentleman named XXXX XXXX. XXXX XXXX wanted me to fill out an online hardship form to help them make the application for the loan modification, coupled into a government program they said I would qualify for. \n\nI filled out the form online with XXXX XXXX on the phone as I did so. I also revealed my date of birth and my social security number. I further revealed my loan number and other pertinent information. The form also asked if I wanted equity from my home. I stated yes and gave the amount. I printed the form, after I submitted my answers, just to have a hard copy of the form, without my answers. I should have printed it out after I wrote out my answers I realize now, but I didn't. \n\nAnyway, XXXX XXXX XXXX got my form, he spent a little time to do some calculations he said and told me they could offer me a loan modification with a fixed rate of 2.75 % and they could also lower my mortgage payment of {$3100.00} per month, down to {$1600.00} per month. I have decent equity still in my home at this time, if the house were ever to be sold, but I'm behind on my payments due to a long term serious XXXX these past 30 years, as I approach the beginning of my XXXX year. \n\nThe stipulation was I had to bring my escrow account current. So they were asking I pay them, as of yesterday as we talked by phone, the sum of {$2900.00}. I told them I didn't have that kind of money on hand, but stated I did have some money left in my safe I had been setting aside for emergencies and would have to get the rest out of XXXX of my credit cards. They were not too happy that I could not pay them right then and there, which alarmed me a bit. \n\nAfter some haggling, we agreed I would call them tomorrow, Friday, to do the payment they wanted on the escrow account, so I could qualify for the loan modification, new payment arrangement, and equity from the home I needed to help me with the mortgage payments and help me with an online business I had been building over the years to help with my debts. \n\nThis did not seem suspicious, at first, given I had been given some loan modification offers successfully through PHH Mortgage last year, to help buy me time in building my online business. I still need more time to make the business fully become cash flow consistent and so this seemed like an answer to a prayer. \n\nAnyway, after I was done putting the money in the bank, I came home and needed a nap, like seniors at my age need each day. I was too sleepy to do anything else. I also usually do my best thinking when I sleep. Been that way all my life. \n\nWhen I woke up, several things came into my mind the moment I opened my eyes concerning these people I talked to, who said they were PHH Mortgage. These were all small red flags to me but they disturbed me now : XXXX ) They could not properly define the government program they were tied into they said would help me when I asked, XXXX ) They were a bit too pushy trying to get the money from me even though XXXX XXXX agreed for us to talk again tomorrow Friday. I then noted on the PHH website that it is customary to allow a customer 14 days to consider a loan modification proposal, which they didn't seem all that ready to do even for the XXXX days they gave me, if I were to call them back tomorrow Friday. XXXX ) The email sent to me, which gave the link to fill out the Hardship form said on it \" PHH Mortgage '' XXXX. I checked out the PHH Mortgage website to see if this is how their emails should be marked. I had remembered that this did not look right when I woke from my nap. What triggered my suspicion was the name \" markmiller ''. My memory is slow at times at my age, but when I looked this up on their website, I learned this is not the way PHH Mortgage sends out their emails. \n\nThis had me worried. I had just given them my XXXX and my Social Security number on their Hardship form. XXXX! This was slick the way these people operated. So I called PHH mortgage using the phone number on my bank statements and talked to a gal named XXXX. I shared all of this with her I'm sharing with you. XXXX told me these people, who I was dealing with, were not PHH Mortgage. She stated they just got a call from another customer with PHH Mortgage, who lost money to these people, who promised a government approved loan modification. I'm glad I do my best thinking when I sleep and caught the subtle discrepancies that I caught upon waking up, while taking action today as I write this. \n\nXXXX started to outline what I needed to do, to report identity theft of my XXXX and Social Security XXXX. XXXX told me to contact Identitytheft.gov and that lead me to your form today, which I'm filling out. XXXX also told me to go to my bank and tell them what I just encountered, to see what they could do to protect my bank accounts. I'll be doing that next, as of tomorrow. \n\nCareful when calling these fake PHH Mortgage people, using the phone number I used. I called the number after hours late last night to see what their outgoing message says. It says they are \" Mortgage Assistance '' in their outgoing message and will ask for your loan number of Social Security number, when you call to even leave a message. Don't do it! That is how they are collecting personal information I suspect. Also, do not fill out their \" Hardship Form ''. They will ask for all your personal information that way, which you do not want to give them. These people are as subtle as the XXXX himself.","date_sent_to_company":"2025-07-24T19:37:23.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"91411","tags":null,"has_narrative":true,"complaint_id":"14861592","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2025-07-24T18:21:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["I filled out the form online with XXXX XXXX on the <em>phone</em> as I did so. I also revealed my date of <em>birth</em> and my social <em>security</em> number. I further revealed my loan number and other pertinent information. The form also asked if I wanted equity from my home. I stated yes and gave the amount. I printed the form, after I submitted my answers, just to have a hard copy of the form, without my answers. I should have printed it out after I wrote out my answers I realize now, but I didn't."]},"sort":[9.678753,"14861592"]},{"_index":"complaint-public-v1","_id":"9291761","_score":9.588002,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX : Notified by Capital One of suspicious transactions on account at XXXX pst. Asked to verify Unable to access account online. \nContacted customer service and after 3.5 hours on the phone referred to a branch location in XXXX CA 20 miles away Visited XXXX XXXX and met with associate XXXX at XXXX pst Provided ID verification ( passport, social security card, birth certificate ). \nXXXX contacted corporate offices ( closed for the day ). \nNotes taken by XXXX for review by corporate on XX/XX/XXXX. \nAdditional note : XXXX is the office manager. I explain I have no vehicle no drivers license and no money because its all been taken away. Told I should go find new friends to barrow from. The trip cost me {$50.00} of which I do not have. \nXX/XX/XXXX : Regained access to account after verification by corporate. Access was short lived.\n\nDiscovered two unauthorized transactions Disputed unauthorized transactions.\n\nSpent 4 hours on the phone with customer service. \nTransferred to department head for dispute resolution moving forward. \nAccount restricted due to compromise concerns. \nInformed of two new accounts to be opened in 3-5 business days.\n\nInstructed to call back in 3-5 days to access new accounts.\n\nAllowed one final transaction as I am without any money Attempted final transaction but required signup for a service.\n\nPromised access to final transaction within 24 hours with instructions to lift restrictions. \nXX/XX/XXXX : Attempted to make the final transaction promised on XX/XX/XXXX ( unsuccessful ). \nXXXX and office assures me this must happen and will fix everything. \nBranch visit unsuccessful. Presented my Identification documents once again to associate XXXX. \nSpent 3 hours at the branch. \nLeft with no answers and have XXXX clue whats going on. Phone associate is no help but tells me continuing to come to a branch is not going to be necessary any more it will not help my situation because Ive already been there. \nAdditional note : Today my cellular service has been shut off due to non payment. I have no phone and no food now XX/XX/XXXX : Dispute on unauthorized transactions initiated.. \nAttempted promised final transaction ( still unsuccessful ). \nOver 15 hours spent on the phone with Capital One. \nRepeated Requests to Return to a Branch Conflicting information within the bank departments on in person visit. Im told by one dept not to go it wont help and yet another telling me to go back Spent {$100.00} now total on visiting with no change and I now have no way to go anywhere Work informs me of possible action due to me not showing up. \nI dont have a way to provide myself a way there. The bank has all of my money Date : XX/XX/2024 Event : Inquiries About New Bank Accounts Summary : Called to check the status of new bank accounts opened on XX/XX/XXXX. Unable to confirm the accounts were ready. Spent hours on the phone, ending up with XXXX XXXX, who informed me that the relevant department was closed and I needed to call back during business hours. He also suggested visiting a branch location, despite there being no branches in my state, and recommended traveling out of state. Left without resolution and had to wait until Monday for further action. \n\nUnable to confirm status of promised new accounts. \nInstructed to call back during XXXX XXXX business hours ( XXXXXXXX XXXX - XXXX XXXX  ) for a specific department ( always closed ). \nXXXX continues to advise me however his advice circles right back to back at him and Im being lied to now. \nXXXX plus hours on the phone in person provided documents of identification in person costing me over {$100.00} and days of time. They are sending me to a location that doesn't have the capacity to help. I know this from other associates, Yet still am told I need to go there. \n\nNote : Bank closed on Saturday and Sunday. \n\nDate : XX/XX/2024 Event : Verification of New Bank Accounts Called to verify if new bank accounts were opened as expected by Day 5. \nContinued to get bounced around departments without receiving a clear answer. \nEnded up with XXXX XXXX, who refused to transfer to the necessary department during XXXX XXXX hours as previously instructed. \nAsked questions regarding previous and new accounts, but still unclear on the situation. \nUncertain about the reasons behind the ongoing issues. \nBeen without money and access to bank accounts for eight days. \nFacing job termination on XX/XX/XXXX, will lose internet access due to non-payment on XX/XX/XXXX. \nVery hungry, no food for days. \nFeeling very desperate and completely awestruck at XXXX XXXX unprofessional and degrading comments, which is unprecedented in my 15 years as a client. \nSeeking resolution and answers from someone who can effectively address and resolve the problem.","date_sent_to_company":"2024-06-18T15:55:32.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92646","tags":null,"has_narrative":true,"complaint_id":"9291761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-06-18T13:21:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Contacted customer service and after 3.5 hours on the <em>phone</em> referred to a branch location in XXXX CA 20 miles away Visited XXXX XXXX and met with associate XXXX at XXXX pst Provided ID verification ( passport, social <em>security</em> card, <em>birth</em> certificate ). \nXXXX contacted corporate offices ( closed for the day ). \nNotes taken by XXXX for review by corporate on XX/XX/XXXX. \nAdditional note : XXXX is the office manager."]},"sort":[9.588002,"9291761"]},{"_index":"complaint-public-v1","_id":"3366159","_score":9.481776,"_source":{"product":"Debt collection","complaint_what_happened":"Starting on XX/XX/XXXX I had a total of 3 calls in one day ( XXXX, XXXX, XXXX all went unanswered by me and no voicemails were left ) from XXXX. They called again on XX/XX/XXXX at XXXX ( again unanswered by me and no voicemail ). I called them back at XXXX with the call lasting 4 minutes 42 seconds. \nThe person answered the phone \" mediation center how can I help you. '' ( I was not given a proper name of the collection agency nor the name of the agent I was speaking with. ) I said \" this number has been calling me without leaving a voicemail and I'm not sure who or why? '' She then took a moment to find \" my file '' again I gave her no information as to who I was in order to locate said file. There was no information given as to who I was, I did not state my name at all. She then stated that she was looking for XXXX XXXX, I answered with a simple \" Ok '' I did not verify that I was in fact XXXX XXXX. After that she proceeded to go into detail about a alleged loan I have with Check N go dating back to XX/XX/XXXX. ( I do not see this loan anywhere on my credit file? I try to keep a close eye on my credit monitoring with XXXX and XXXX XXXX at least monthly if not weekly. Nor have I been contacted otherwise ) She explained that the total of which account is {$1200.00}. However if paid today they would settle for {$850.00}. I spoke very little during this call. Mostly with simple 'OKs ' or 'hmmmmms ''. \nShe then proceeded to tell me how they have more then enough information to take me court. She cited my full social security number, date of birth, age, employer and last known address. ( remind you I did not tell her I was XXXX XXXX. She told me she was looking for XXXX XXXX and I simply answered with an \" Ok '' ) She told me if I did not pay today or make arrangements for monthly payments today they would be able to find me and my job because my social security number follows me everywhere and they would take me to court where I would have to go in front of a judge. She threated a lawsuit that she led me to believe was already filed and ready to go, wage garnishment and more if I did not pay. At this point I then stopped her said \" I have no idea what you are talking about so I will have to do my own research. '' I could tell she was getting upset then said that they already knew everything about me and that this was time sensitive so there was no need to do my own research and that this was going to court if I did not pay. I then said \" well first of all I never stated that I was XXXX XXXX. '' After I said that she got very defensive and changed her tone and started raising her voice saying \" I told you I was looking for XXXX and you said that's who you were ''. I said, \" No I did not say I was XXXX, you said you were looking for XXXX and all I said was OK. '' Still upset she starts talking much louder and more defensively overlapping and trying to speak over me saying \" You said Ok? Well what does that mean? That's means you're XXXX. '' So I said \" listen I do not know who you are or what this is about but you need to stop contacting me. '' Then she hung up. This is extremely unacceptable. I did not state who I was. Nor did I verify myself or any other information. I wasn't even asked to verify any information. They told me who they were looking for and all I said was \" Ok. '' Nothing else. All of my information was given out freely in that phone call. This was completely unprofessional and could have really been devastating to my identity, my credit and my life if that information was given to the wrong person.","date_sent_to_company":"2019-09-11T13:55:36.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"74011","tags":null,"has_narrative":true,"complaint_id":"3366159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CNG FINANCIAL CORPORATION","date_received":"2019-09-06T23:10:47.000Z","state":"OK","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["She cited my full social <em>security</em> number, date of <em>birth</em>, age, employer and last known address. ( remind you I did not tell her I was XXXX XXXX. She told me she was looking for XXXX XXXX and I simply answered with an \" Ok '' ) She told me if I did not pay today or make arrangements for monthly payments today they would be able to find me and my job because my social <em>security</em> number follows me everywhere and they would take me to court where I would have to go in front of a judge."]},"sort":[9.481776,"3366159"]},{"_index":"complaint-public-v1","_id":"3317822","_score":9.348423,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"On XX/XX/19, I applied for a Home Improvement loan in order to finance the installation of a new HVAC system. I was referred to GreenSky Financial by the vendor of the HVAC system. ( GreenSky uses home improvement pros to offer and effectively market their home improvement loan services. ) I was approved for the loan of {$4400.00} ( the amount I needed for the HVAC system ) the same day, XX/XX/19. In fact, GreenSky emailed to me the notification of my account being activated and also  emailed to me the \" Shopping Pass '' - which looks like a Master Card - to give to the HVAC vendor in order to pay for the HVAC system - on the same day, XX/XX/19. ( Copy attached to this complaint ) After obtaining this approval, the account activation, and the Shopping Pass, I contacted the vendor ( XXXX XXXX XXXX of XXXX XXXX, NV ) to arrange for the HVAC installation to be done. The installation was done on XX/XX/19. \n\nSix days later - on XX/XX/19, XXXX 's XXXX called me to say that GreenSky was refusing to pay them and I needed to call GreenSky to try to rectify the situation. This seemed very odd to me since everything was approved by GreenSky. ( I had even spoken on the phone to a GreenSky Rep on XX/XX/19 to insure the account was activated and ready to use! ) This was quite embarrassing. \n\nI went on the GreenSky web site and attempted to log in to my account - which I had been able to previously. Instead, the web site said that I had to call an \" XXXX  '' number to activate the account. \n\nI called the number. The Rep said that they had to ask me more questions to activate my account. I told them that my account was already activated on XX/XX/19 and that my vendor ( XXXX XXXX XXXX ) needed to be paid IMMEDIATELY in accordance with the approval and activation documents I received on XX/XX/19. I asked WHY they needed any more of my confidential information since I had already been approved? They provided no answer. They said they just needed to ask me a few more questions in order to activate the account. I was beyond irate. \n\nThey asked if I had any \" Professional Certifications ''. Huh? They also asked about my sister-in-law, who lives a few miles away from me in XXXX XXXX. They wanted to know her birth date and social security number. In response, I asked them what kind of a SCAM they were running and if they were using their position at GreenSky in order to defraud me and/or others. \n\nFinally, they relented and said that they had \" re-activated '' my account. I asked if this meant that my vendor would now be paid - as they had previously promised on XX/XX/19. They said yes. I then called XXXX XXXX XXXX and told them to try the \" Shopping Pass '' again.\n\nNeedless to say, not only was I embarrassed, but was ... .and still continue to be worried ... .. that my confidential information might be used by GreenSky ... or those that they employ ... in a financial scam. Furthurmore, despite my concerns being very forcefully explained to GreenSky on the phone ... .and in writing ( via their emailed \" Survey ), I have heard NOTHING from GreenSky . No apology, no acknowledgement, NOTHING.\n\nPlease contact them and find out the story. I have no idea if they are running a scam - but they CLEARLY could care less about my very real concerns. THIS is the worst part of it - acting like this never happened. At the very least, whoever decided to say \" Just Kidding '' to both me and my vendor ... should be FIRED.","date_sent_to_company":"2019-07-25T19:07:20.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"89128","tags":null,"has_narrative":true,"complaint_id":"3317822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GreenSky, LLC","date_received":"2019-07-25T18:24:27.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["This seemed very odd to me since everything was approved by GreenSky. ( I had even spoken on the <em>phone</em> to a GreenSky Rep on XX/XX/19 to insure the account was activated and <em>ready</em> to use! ) This was quite embarrassing. \n\nI went on the GreenSky web site and attempted to log in to my account - which I had been able to previously. Instead, the web site said that I had to call an \" XXXX  '' number to activate the account. \n\nI called the number."]},"sort":[9.348423,"3317822"]},{"_index":"complaint-public-v1","_id":"3917919","_score":9.042666,"_source":{"product":"Checking or savings account","complaint_what_happened":"On the XXXX of XXXX I woke up to an email from Discover concerning my checkings account. It said that they have noticed suspicious behavior on the account and instructed me to contact them immediately. Without hesitation, I contacted them with the phone number provided. I was asked a series of security questions, which I answered correctly and then they were able to access my account info. I was then informed that my account had been closed and they could not give me a reason why except that it was a business decision. I was severely distraught over this because my one and only source of income is my unemployment benefits of {$110.00} a week. I had been waiting on a deposit from unemployment for my backpay the entire two and a half months I had the account but had been receiving my weekly direct deposits from unemployment every week since opening the account in early XXXX. Never had any issues whatsoever, not even one single overdraft.. nothing! The day I was informed about the account being closed was a Sunday. Two days earlier, I spoke to someone at the unemployment office about my back pay and was informed that they were ready to send the deposit and to confirm my banking info. I of course gave them my account info from the Discover checkings account since that is where I had been receiving my deposits weekly since they approved me for XXXX unemployment benefits. I was shocked that they had closed my account without warning or even a single phone call to question me about the concerns that they were having. I went into a complete panic knowing that the backpay deposit was already processed and sent to that account so there was no way to reverse it at that point.. Although I was not confident that it would do any good after the conversation I had with the first rep I spoke with, I decided to call again to try and see what was happening and what I could do to resolve the issue. I spoke with a different rep that time, and a much nicer one to say the least, and after looking into things and speaking with her supervisor, she realized that the account was closed for basically no good cause and reopened the account within minutes. She informed me that although the account was reopened, I could no longer use the debit card I had for the account and would have to wait on one to come in the mail. I made a point to let her know that I was currently out of town and in XXXX at my mothers house so they would have to send the card to that address. She said that was no problem I would have the new card within 24-48 hours. I was so relieved and grateful that my account was open and I would be able to receive this money I have been waiting on for two and a half long and truly difficult months. However, they did not send the card to XXXX as I requested, they sent it to XXXX where I reside. I again called in and spoke with someone, explained the entire situation once again, and after apologizing for the mix up on their part, I was informed that they have canceled the card that went to XXXX and reordered another new card to send to XXXX which I would have in another 24-48 hours. At this point Im feeling a bit irritated with the situation but still optimistic knowing I can finally access my money in a couple days that is so desperately needed for bills, etc. The very next day, I wake up to yet another email saying there is suspicious activity on my account and to call immediately AGAIN. I thought omg what is the problem now?!! But again, I called, and again I answered multiple security questions correctly and access to my account was granted to the rep. Low and behold, my account was closed AGAIN!! Unbelievable!! Of course I was again told that it was a business decision and I would have to wait 60 days to receive my money by check in the mail.. at this point, Im just completely speechless and can not believe what is happening..and for NO REASON!! I of course called back to try and resolve the situation and get to the bottom of this and was told that the reason why the account was closed a second time ( get this ), is because there were two debit cards ordered in the same week going to two different addresses!! Now things are just unreasonably rediculous and Im in complete amazement at the treatment Im getting as a customer of theirs no less!! Now they have me on the phone with their fraud department.. now Im once again explaining everything thats happened to yet another rep. She says ok understandable, just send me a picture of your social security card and birth certificate. I tell her I definitely have my social security card but not sure about the birth certificate but I am driving at the moment so let me take a look and see what I have soon as I get back to moms house. An hour later, I call back and get another rep. Explain everything again. Inform them Im prepared to upload requested documents just tell me how to do so. They walked me through it, successfully uploaded documentation, they then transferred me to a supervisor. Explained everything AGAIN only to be told Im sorry your going through this but I need you to now upload a lease, tax documents or check stubs.. so I did! By that time shift changed. Now Im on the phone with another rep. Explained everything once again for the 50 millionth time thats happened up to that point and was then told that he sees that I have uploaded the documents and he will forward this case to a supervisor and reach out to me with a decision within the hour.. that was going on 24 hours ago.. \nNow with all that being said, let me explain my situation a bit so you can fully understand how this whole mess was initiated. Im originally from XXXX, my whole family still resides in XXXX, but my sister moved to XXXX a few years back and I decided to relocate and move in with her Around XXXX or XXXX of last year because she was out there all alone and struggling to pay bills. I am XXXX so XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  type work so I can work from pretty much anywhere. When the pandemic hit, work ceased completely due to the social distancing order, so when the XXXX unemployment benefits became available, I filed a claim for XXXX benefits. For several months I certified for benefits every week but didnt receive a single penny until late XXXX. By that time my sister and I had several months worth of unpaid rent and bills of every kind so we were in desperate need of that money. The weekly benefits helped but they were nowhere near enough to climb out of debt completely so the retroactive backpay was and is still desperately needed. In early XXXX my mother contracted XX/XX/XXXX and I immediately came back to XXXX to help care for her. She fought for a long time but recently passed away due to complications of XX/XX/XXXX. That is why I was out of town for the last few months and that is the one and only reason Discover bank closed my account. Simply a red flag in their system from me receiving unemployment benefits from qwww XX/XX/XXXXand currently Im in XXXX temporarily. They did not even do much as ask me why I was here or give me any opportunity to show them proof of of what I am saying. I have to bury my mother next week and can not even buy myself a suit. I also have XXXX daughters ages XXXX and XXXX that I am raising alone. This whole experience has caused me unthinkable grief in the midst of an already devastating situation on multiple levels.. This is truly an outrage that this bank can legally even do something so devastating to a customer of theirs who voluntarily trusted them with their own money only to have them keep it from me and deny me access to my own money without good cause and someone needs to answer for these rediculously cruel and heartless actions.","date_sent_to_company":"2020-10-25T22:44:14.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"60623","tags":null,"has_narrative":true,"complaint_id":"3917919","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2020-10-25T20:49:04.000Z","state":"IL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Now they have me on the <em>phone</em> with their fraud department.. now Im once again explaining everything thats happened to yet another rep. She says ok understandable, just send me a picture of your social <em>security</em> card and <em>birth</em> certificate. I tell her I definitely have my social <em>security</em> card but not sure about the <em>birth</em> certificate but I am driving at the moment so let me take a look and see what I have soon as I get back to moms house. An hour later, I call back and get another rep."]},"sort":[9.042666,"3917919"]},{"_index":"complaint-public-v1","_id":"18383928","_score":8.929491,"_source":{"product":"Credit card","complaint_what_happened":"I sent a letter XX/XX/XXXX and still am receiving a {$160.00} charge on my account and it is saying I am late. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX | XXXX Date : XX/XX/XXXX CareCredit / Synchrony Bank Attn : XXXX Customer Relations XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Subject : Urgent : Account Minimum Payment Adjustment Hello, I am writing regarding my CareCredit account ( last 4 digits : XXXX ). {$1900.00} in Payment Security/Non- Payment Insurance charges have already been refunded. Despite this, my minimum payment still includes {$160.00} that I am not responsible for. \nI previously discussed this matter with Representative XXXX ( ID XXXX ), who advised that it can not be adjusted at her level. Phone representatives and lateral supervisors have repeatedly told me this can not be done because the system generated the minimum. This is incorrect. I am requesting : 1. The account minimum be corrected immediately to reflect only my actual balance.\n\n2. Written confirmation that I am not responsible for the {$160.00} refunded charge. \n3. Assurance that my credit will not be affected for refusing to pay a charge that does not exist. \nPlease escalate this immediately to the department with authority to resolve this matter. I am ready to pay my actual balance once this correction is applied. \nAccount Info for Verification : Last 4 digits of CareCredit card : XXXX Full name on account : XXXX XXXX XXXX Date of birth : XX/XX/XXXX Billing address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Attached : Printout of {$420.00} payment confirmation covering the actual balance only. \nThank you for your prompt attention. \nSincerely, XXXX XXXX CARECREDIT/SYNCHRONY BANK XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Statement Closing Date : XX/XX/XXXX Summary of Account Activity Previous Balance {$16000.00} + New Purchases {$0.00} - Payments {$420.00} +/- Credits, Fees & Adjustments ( net ) ( {$1900.00} ) +/- Interest Charge ( net ) {$410.00} New Balance {$14000.00} Credit Limit {$15000.00} Available Credit {$450.00} Days in Billing Period 31 Pay online for free at : XXXX For Synchrony Bank customer service or to report your card lost or stolen, call ( XXXX ). \nBest times to call are Wednesday - Friday. \nPayment Information New Balance {$14000.00} Minimum Payment This Period {$600.00} Amount Past Due {$160.00} Total Minimum Payment Due {$770.00} Payment Due Date XX/XX/XXXX PAYMENT DUE BY XXXX XXXX EASTERN ON THE DUE DATE. \nWe may convert your payment into an electronic debit. See reverse side. \nLate Payment Warning : If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to {$41.00} and your APRs may be increased up to the Penalty APR of 39.990 %. \nMinimum Payment Warning : Making only the Total Minimum Payment Due will increase the amount of interest you pay and the time it takes to repay your balance. For example : If you make no additional charges using this card and each month you pay... \nOnly the minimum payment You will pay off the balance shown on this statement in about... \nAnd you will end up paying an estimated total of... \n27 years {$48000.00} If you would like information about credit counseling services, call XXXX. \nTransaction Summary Tran Date Post Date Reference Number Description Amount XX/XX/XXXX XX/XX/XXXX XXXX REFUND OF DEBT CANCELLATION FEE ( {$1900.00} ) XX/XX/XXXX XX/XX/XXXX XXXX PAYMENT - THANK YOU ( {$420.00} )","date_sent_to_company":"2025-12-30T23:15:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"02135","tags":null,"has_narrative":true,"complaint_id":"18383928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-12-30T23:02:29.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am <em>ready</em> to pay my actual balance once this correction is applied. \nAccount Info for Verification : Last 4 digits of CareCredit card : XXXX Full name on account : XXXX XXXX XXXX Date of <em>birth</em> : XX/XX/XXXX Billing address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX <em>Phone</em> : XXXX Attached : Printout of {$420.00} payment confirmation covering the actual balance only. \nThank you for your prompt attention."]},"sort":[8.929491,"18383928"]},{"_index":"complaint-public-v1","_id":"3367477","_score":8.865362,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I contacted Experian regarding a notification that a XXXX store located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX had run a hard inquiry ( one that effects your score ) via XXXX. I contacted Experian via phone and they told me to contact XXXX and XXXX to initiate a dispute. \n\nXXXX Complaint I contacted XXXX 3 times ( approx. 3 hrs. ) on XX/XX/XXXX via phone and tried to initiate a dispute over the XXXX credit inquiry, request a copy of my credit report and place a fraud alert on my account. Their phone number directed me to an overseas call center where I was told that the dispute into the inquiry had been initiated but, when I checked my account on XXXX, no such dispute was shown as having been initiated so the representative to whom I spoke on XX/XX/XXXX did not do their job since that was the primary reason I had called. In addition to this, the fraud alert that had been requested on XX/XX/XXXX had also not been placed. On XXXX, wanting to follow up and hoping to avoid the nightmare of overseas customer service, I decided to try their online system when I noticed that XXXX offers Identity Theft Protection plans starting at {$19.00} and reflected that I was receiving free Experian credit monitoring because of the XXXX databreach of 2017 and thought, \" Wow! What a marvel of modern capitalism, I can pay these guys to fix a problem they created through their carelessness and greed which they purposely make difficult to resolve. I wonder if they make it difficult in order to sell their service? What a miracle of the 21st century! '' I then used their online system to initiate a dispute over the XXXX credit inquiry, place the fraud alert and to initiate a dispute over a XXXX XXXX Credit Card account which was shown as open on my credit report but that XXXX XXXX, whom was contacted on XXXX, had no record of under neither my nor my wife 's names or SSNs. I have yet to hear a response from XXXX on the XXXX Credit Inquiry or the XXXX XXXX CC removal. \n\nXXXX Complaint I contacted XXXX 3 times ( approx. 2 hrs. ) on XX/XX/XXXX and was told that XXXX does not offer services in NC in my area and that as far as they could see no account was listed under neither my SSN nor my name and XXXX told me that a Credit Bureau Inquiry ( Ticket # XXXX ) had been initiated in my name and that I should hear something by XX/XX/XXXX. I also requested a letter stating that an account had not been opened using my information but was told that no such letter existed. I have yet to hear a response from XXXX and am doubtful that I will since I am not their customer nor do they provide service in my area. \n\nExperian Complaint On XX/XX/XXXX, while checking my Experian credit report online, I noticed that Experian had two birth dates listed on my credit report and so I initiated a dispute using their online system to correct the date. On XX/XX/XXXX, I received a notification that the dispute had been resolved and on XXXX while checking on other credit report related discrepancies ( see above ), I decided to follow up on this one as well. After following the link to access the dispute results and entering their secret text code, I was re-directed to an advertisement for the Experian Identity Theft Protection for the low, low price of {$19.00}. I clicked \" No, keep my current membership '' because I thought, \" This is not a problem I created, it is a problem that has been created for me by the lack of security on the part of those who harvest my information without my consent and who also sell said information at a profit, thus shouldn't these 3 credit reporting bureaus be obligated to protect my information which they sell without my consent free of charge? '' Then I remembered that this was the 21st century, an age of wondrous capitalist innovations, of convenience and subscriptions which slowly bleed your account until you are in the poor house and I saw a bully trying to take a kid 's lunch money. Trying to put these thoughts and images out of my mind, I proceeded to the notifications section of their website. My heart raced with excitement as I imagined an employee doing their job and I clicked the XX/XX/XXXX message entitled \" Your Dispute Results Are Ready '' only to be told, \" Your dispute results are currently not available online ''. The phone number, ( XXXX ) directed me to an overseas call center where not a single employee ( I contacted Experian 's overseas call centers 12 times that day -- 4 hrs of my personal time! ) could locate my dispute results when given the \" Report # XXXX '' as listed in Experian 's online system. Finally, I spoke with XXXX ( XXXX # XXXX ) who referred me to XXXX who refused to give an Employee # probably because XXXX had told him I was angry. XXXX, supposedly a supervisor, said that no dispute had been filed with regard to my birthdate despite my having received a notification that the dispute had been resolved. He then initiated a dispute on XXXX over the phone. On XXXX, I received notification that my birthdate year had been updated as requested. When I checked the results, XXXX had resolved the dispute by listing the wrong birth year in my credit report. Whether this was a mistake resulting from spite or poor English, I will never know. I tried contacting the company again on Sunday, XXXX and was told that they were gone for the weekend and I thought, \" Man, I wish I got to enjoy my weekend instead of having to clean up somebody else 's mess ... '' Then I remembered that for the low, low price of {$19.00} a month Experian would correct the mistake that their employees had made for me on XXXX and again I found myself in awe of the economic wonders of the 21st century. As of this time, the inaccuracy stands due to the fact that the company can not be contacted during weekend hours which means I'll probably have to take some time off from work this week in order to correct it which means I'll lose money which is gon na make it hard to pay the {$19.00} a month to get that fancy Experian subscription to fix the problem that XXXX at Experian created for me. \n\nThanks Experian & XXXX!","date_sent_to_company":"2019-09-08T22:56:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28607","tags":null,"has_narrative":true,"complaint_id":"3367477","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-09-08T22:55:57.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["He then initiated a dispute on XXXX over the <em>phone</em>. On XXXX, I received notification that my birthdate year had been updated as requested. When I checked the results, XXXX had resolved the dispute by listing the wrong <em>birth</em> year in my credit report. Whether this was a mistake resulting from spite or poor English, I will never know."]},"sort":[8.865362,"3367477"]},{"_index":"complaint-public-v1","_id":"3367473","_score":8.865362,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I contacted XXXX regarding a notification that a XXXX store located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX had run a hard inquiry ( one that effects your score ) via Equifax. I contacted XXXX via phone and they told me to contact Equifax and XXXX to initiate a dispute. \n\nEquifax Complaint I contacted Equifax 3 times ( approx. 3 hrs. ) on XX/XX/XXXX via phone and tried to initiate a dispute over the XXXX credit inquiry, request a copy of my credit report and place a fraud alert on my account. Their phone number directed me to an overseas call center where I was told that the dispute into the inquiry had been initiated but, when I checked my account on XXXX, no such dispute was shown as having been initiated so the representative to whom I spoke on XX/XX/XXXX did not do their job since that was the primary reason I had called. In addition to this, the fraud alert that had been requested on XX/XX/XXXX had also not been placed. On XXXX, wanting to follow up and hoping to avoid the nightmare of overseas customer service, I decided to try their online system when I noticed that Equifax offers Identity Theft Protection plans starting at {$19.00} and reflected that I was receiving free XXXX credit monitoring because of the Equifax databreach of XXXX and thought, \" Wow! What a marvel of modern capitalism, I can pay these guys to fix a problem they created through their carelessness and greed which they purposely make difficult to resolve. I wonder if they make it difficult in order to sell their service? What a miracle of the 21st century! '' I then used their online system to initiate a dispute over the XXXX credit inquiry, place the fraud alert and to initiate a dispute over a XXXX XXXX Credit Card account which was shown as open on my credit report but that XXXX XXXX, whom was contacted on XXXX, had no record of under neither my nor my wife 's names or SSNs. I have yet to hear a response from Equifax on the XXXX Credit Inquiry or the XXXX XXXX CC removal. \n\nXXXX Complaint I contacted XXXX 3 times ( approx. 2 hrs. ) on XX/XX/XXXX and was told that XXXX does not offer services in NC in my area and that as far as they could see no account was listed under neither my SSN nor my name and XXXX told me that a Credit Bureau Inquiry ( Ticket # XXXX ) had been initiated in my name and that I should hear something by XX/XX/XXXX. I also requested a letter stating that an account had not been opened using my information but was told that no such letter existed. I have yet to hear a response from XXXX and am doubtful that I will since I am not their customer nor do they provide service in my area. \n\nXXXX Complaint On XX/XX/XXXX, while checking my XXXX credit report online, I noticed that XXXX   had two birth dates listed on my credit report and so I initiated a dispute using their online system to correct the date. On XX/XX/XXXX, I received a notification that the dispute had been resolved and on XXXX while checking on other credit report related discrepancies ( see above ), I decided to follow up on this one as well. After following the link to access the dispute results and entering their secret text code, I was re-directed to an advertisement for the XXXX Identity Theft Protection for the low, low price of {$19.00}. I clicked \" No, keep my current membership '' because I thought, \" This is not a problem I created, it is a problem that has been created for me by the lack of security on the part of those who harvest my information without my consent and who also sell said information at a profit, thus shouldn't these 3 credit reporting bureaus be obligated to protect my information which they sell without my consent free of charge? '' Then I remembered that this was the 21st century, an age of wondrous capitalist innovations, of convenience and subscriptions which slowly bleed your account until you are in the poor house and I saw a bully trying to take a kid 's lunch money. Trying to put these thoughts and images out of my mind, I proceeded to the notifications section of their website. My heart raced with excitement as I imagined an employee doing their job and I clicked the XX/XX/XXXX message entitled \" Your Dispute Results Are Ready '' only to be told, \" Your dispute results are currently not available online ''. The phone number, ( XXXX ) directed me to an overseas call center where not a single employee ( I contacted XXXX 's overseas call centers 12 times that day -- 4 hrs of my personal time! ) could locate my dispute results when given the \" Report # XXXX '' as listed in Experian 's online system. Finally, I spoke with XXXX ( Employee # XXXX ) who referred me to XXXX who refused to give an Employee # probably because XXXX had told him I was angry. XXXX, supposedly a supervisor, said that no dispute had been filed with regard to my birthdate despite my having received a notification that the dispute had been resolved. He then initiated a dispute on XXXX over the phone. On XXXX, I received notification that my birthdate year had been updated as requested. When I checked the results, XXXX had resolved the dispute by listing the wrong birth year in my credit report. Whether this was a mistake resulting from spite or poor English, I will never know. I tried contacting the company again on Sunday, XXXX and was told that they were gone for the weekend and I thought, \" Man, I wish I got to enjoy my weekend instead of having to clean up somebody else 's mess ... '' Then I remembered that for the low, low price of {$19.00} a month XXXX would correct the mistake that their employees had made for me on XXXX and again I found myself in awe of the economic wonders of the 21sXXXX century. As of this time, the inaccuracy stands due to the fact that the company can not be contacted during weekend hours which means I'll probably have to take some time off from work this week in order to correct it which means I'll lose money which is gon na make it hard to pay the {$19.00} a month to get that fancy XXXX subscription to fix the problem that XXXX at XXXX   created for me. \n\nThanks XXXX & Equifax!","date_sent_to_company":"2019-09-08T22:55:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28607","tags":null,"has_narrative":true,"complaint_id":"3367473","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-09-08T22:45:19.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["He then initiated a dispute on XXXX over the <em>phone</em>. On XXXX, I received notification that my birthdate year had been updated as requested. When I checked the results, XXXX had resolved the dispute by listing the wrong <em>birth</em> year in my credit report. Whether this was a mistake resulting from spite or poor English, I will never know."]},"sort":[8.865362,"3367473"]},{"_index":"complaint-public-v1","_id":"3095190","_score":8.84345,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have two complaints : ( 1 ) Deceptive advertising ( 2 ) Capital One is refusing to let me know what my balance is and debiting from a checking account I do not authorize.\n\n1.Capital One conducts periodic account reviews. XX/XX/2018, is my twenty forth month of on-time payments. As a result, Capital One increased my credit limit automatically ; I did not ask for a limit increase. However, Capital One informed my card is restricted and it can not be used until all of my authorized users mail a copy of their drivers license and social security card. \n\nI currently dont have any authorized users and believe this is cumbersome because I use to have 7 authorized users a few months ago ( I requested to have my authorized users removed in XX/XX/2018 ). The representative said I still need to have my authorized users verify their identity because they want to make sure they consented because it affects their credit. The agent further said its mentioned in my card holders terms and condition insert. \n\n\n\nHowever, Capital Ones website promotes the use of authorized users and has an entire page dedicated to the promotion. Their websites states : ( highlighted in relevant part ) Together, you can maximize your cards benefits. \n\nWhat is an authorized user? An authorized user is someone you add to your account without any additional application or credit check. They'll get a card with their name on it and share your line of credit. As the primary cardholder, you'll still be responsible for all charges and, if you have a rewards card, you'll earn on every dollar they spend. \n\nReady to add someone to your account? It only takes about a minute : Tell us their name, phone number, Social Security number, and date of birth. Double check the info is correct. Thats it! Well send you a card for them to start using right away. \n\n\n\nAlso, I read the totality of their online terms and conditions, additional disclosures, and Patriot Act Certification. The word authorized user is not mentioned in all three online disclosures ( press Ctrl+F to search by key word ). \n\n\n\nI believe this is deceptive advertising. Under the Federal Trade Commission Act : Advertising must be truthful and non-deceptive ; Advertising must have evidence to back up their claims ; and Advertising can not be unfair. \n\n\n\nAccording to the FTCs Deception Policy Statement, an ad is deceptive if it contains a statement- or omits information- that : Is likely to mislead consumers acting reasonably under the circumstances ; and Is material- that is, important to a consumers decision to buy or use the product. \n\n\n\nCapital Ones website is misleading because they omit information that is vital and relevant to authorized users. I was lead to believe adding authorized users only takes a minute and is easy as 1,2,3 as their website promises. And this was the case at first, until now, I need to have 7 of my previous authorized users photocopy and mail their drivers license and social security card to a company they don't conduct business with and do not feel comfortable sending in copies of their personally identifying information in an era of the XX/XX/XXXX, XXXX, and XXXX XXXX XXXX breaches and fraudulent activity conducted by XXXX XXXX employees ( opening accounts in customers names without their consent or knowledge. ) If Capital One placed a disclosure on their website or on their online terms and conditions then this would be fair, however, this was never informed to me until after the fact. \n\n\nSecond complaint : 2. I called Capital One on innumerable occasions, and they are refusing to tell me my current balance. It is relevant to know my account balance in order to make a proper payment. Capital One is also refusing to confirm payments I recently made. I need to know what payments posted in order to know my new balance. I want to make my payment in full but I am not able to do so because they are refusing to let me know my balance. \n\nAlso, a manager names XXXX, gave me an erroneous balance ( on XX/XX/2018 ). He told me my balance was {$470.00} which is not possible. My balance was around {$500.00} the month before, however, I made two payments for the month of XXXX ; first payment for {$35.00} and second payment in the amount {$100.00}. I have not made any new purchases and do not have any recurring charges with any merchants. It is improper for a financial institution to refuse to let the consumer know their account balance. I have a right to know in order to make payment. \n\nAlso, I called Capital One on XX/XX/2018. I informed the manager I became aware Capital One debited my XXXX XXXX checking account on my due date ( XX/XX/2018 ) for {$35.00}. However, I already made a payment for my XX/XX/XXXX billing cycle for {$130.00}. My minimum due is {$25.00}. There's no reason to debit my checking account when I made two manual payments over the phone using my XXXX XXXX   account. I told the manager I no longer consent to any autonomic bill payments from my XXXX XXXX account. The manager egregiously said he can not do anything about that. This is clearly illegal. \n\nPlease be advised, I had this account for two years and never had a late payment or missed payment. I am considering filing suit.","date_sent_to_company":"2018-12-09T00:33:12.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"907XX","tags":null,"has_narrative":true,"complaint_id":"3095190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-12-08T23:10:38.000Z","state":"CA","company_public_response":null,"sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["<em>Ready</em> to add someone to your account? It only takes about a minute : Tell us their name, <em>phone</em> number, Social <em>Security</em> number, and date of <em>birth</em>. Double check the info is correct. Thats it! Well send you a card for them to start using right away. \n\n\n\nAlso, I read the totality of their online terms and conditions, additional disclosures, and Patriot Act Certification. The word authorized user is not mentioned in all three online disclosures ( press Ctrl+F to search by key word )."]},"sort":[8.84345,"3095190"]},{"_index":"complaint-public-v1","_id":"4871178","_score":8.520886,"_source":{"product":"Debt collection","complaint_what_happened":"I was contacted yesterday, XXXX, by an individual claiming to be calling from \" the county '' about a failed attempt to serve me for a civil suit filed against me. When I called the number back, the representative claimed to be from \" XXXXXXXX XXXX XXXX XXXX XXXX '' and said they were working on behalf of US Bank to retrieve a debt of {$3500.00} that I incurred by overdrafting {$25.00} on a checking account ( which I did ) in 2010. They stated that with 24.99 % APR, this debt had grown to the current balance of {$3500.00} and with legal fees, the amount owed could end up being double or triple that. \n\nThe thing that prevented me from paying them and not thinking twice is that I paid this debt six years ago then AGAIN last year on XXXX. The representative was very friendly and told me that I was set to be served yesterday ( the day we spoke ) but we could work something out with the attorney to settle for a lower amount since I had already paid - she claimed that many companies collect payment but never release the claim and suggested that it was terrible that I was in this position. They offered to settle for {$700.00}. \n\nLuckily I was able to find the \" Paid in Full '' letter from last year releasing me from the debt which I forwarded to her boss. The representative assured me that her boss would review the documents after lunch and she would contact me in the afternoon to confirm that my case was closed and I wouldn't be served court papers. \n\nAt this point, it felt like something was up so I attempted to find XXXXXXXX XXXX XXXXXXXX online - first using the url in the email address they provided to me, then by searching their company name and phone number on XXXX. Nothing came up. The URL in the email address came back as an error page and there was no record of XXXXXXXX XXXX XXXXXXXX on the XXXX search. It was past XXXX and I had not received a call back from the initial representative to confirm that my case was closed. \n\nI called back and spoke with someone named XXXX, who refused to provide any information on their company nor the lawyer 's accreditation and confirmed that they had no web presence. He then said he would transfer me to his boss but just put me on an hour long hold. When I called back, he said, \" oh, it's XXXX you again? \", hung up, and blocked my number. I then called from my girlfriend 's number and I asked if he was going to hang up on me again and he said, \" XXXX watch me. '' He then blocked her number. I then tried from my XXXX XXXX number because by this point I was livid - not only about being scammed, but by the utter disrespect. He answered again, realized it was me, and blocked the number. I tried calling from one other line this morning and nobody answered.\n\nThe scary thing about this is that they had my birth date and the last four digits of my social security number along with the actual case number from my debt settlement last year. I'm not sure where this information is available but they used it to seem 100 % legit. Between impersonating a government employee ( the original caller stating that they were calling from the county ) and a law firm ( every other individual I spoke with - totaling five different \" employees '' ), making threats of serious civil litgation, and attempting to collect a debt that was satisfied over a year ago, this behavior seems downright illegal. I can't imagine how many people they trick with these tactics. I work in the financial sector and I was still ready to pull out my card and pay them off. \n\nFor reference, here are the contacts I have for this group of people : XXXX XXXX XXXX","date_sent_to_company":"2021-11-03T14:50:53.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"55104","tags":null,"has_narrative":true,"complaint_id":"4871178","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-11-03T14:50:50.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The scary thing about this is that they had my <em>birth</em> date and the last four digits of my social <em>security</em> number along with the actual case number from my debt settlement last year. I'm not sure where this information is available but they used it to seem 100 % legit."]},"sort":[8.520886,"4871178"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":40,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":40}]}},"product":{"doc_count":40,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":8},{"key":"Savings account","doc_count":1}]}},{"key":"Debt collection","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other debt","doc_count":4},{"key":"Auto debt","doc_count":1},{"key":"Credit card","doc_count":1},{"key":"Payday loan debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6}]}},{"key":"Mortgage","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":3},{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Credit card","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":3}]}},{"key":"Credit card or prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1},{"key":"Government benefit card","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"International money transfer","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":2}]}},{"key":"Credit reporting","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":1}]}}]}},"issue":{"doc_count":40,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":3},{"key":"Problem accessing account","doc_count":2}]}},{"key":"Incorrect information on your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":3}]}},{"key":"Took or threatened to take negative or legal action","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened to sue you for very old debt","doc_count":2},{"key":"Seized or attempted to seize your property","doc_count":1}]}},{"key":"Closing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":2}]}},{"key":"Getting a loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in terms mid-deal or after closing","doc_count":1},{"key":"Problem with signing the paperwork","doc_count":1}]}},{"key":"Problem caused by your funds being low","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Bounced checks or returned payments","doc_count":1},{"key":"Non-sufficient funds and associated fees","doc_count":1}]}},{"key":"Problem when making payments","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":1},{"key":"You never received your bill or did not know a payment was due","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2}]}},{"key":"Struggling to pay mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":1},{"key":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":2}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Used obscene, profane, or other abusive language","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":1}]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sent card you never applied for","doc_count":1}]}},{"key":"Getting the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other service problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem getting a card or closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble getting, activating, or registering a card","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Taking/threatening an illegal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened to sue on too old debt","doc_count":1}]}},{"key":"Unable to get credit report/credit score","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem getting report or credit score","doc_count":1}]}}]}},"timely":{"doc_count":40,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":39},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":40,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":31},{"key":"Closed with non-monetary relief","doc_count":5},{"key":"Closed with monetary relief","doc_count":3},{"key":"Closed","doc_count":1}]}},"submitted_via":{"doc_count":40,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":40}]}},"company":{"doc_count":40,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":4},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":2},{"key":"CITIBANK, N.A.","doc_count":2},{"key":"EQUIFAX, INC.","doc_count":2},{"key":"LEXISNEXIS","doc_count":2},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":2},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":2},{"key":"U.S. BANCORP","doc_count":2},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"CLGF Holdco 1, LLC","doc_count":1},{"key":"CNG FINANCIAL CORPORATION","doc_count":1},{"key":"Capital Asset Recovery INC DBA Jacobson and Wright","doc_count":1},{"key":"Coinbase, Inc.","doc_count":1},{"key":"Conduent Incorporated","doc_count":1},{"key":"Cstone Mortgage Inc","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"GreenSky, LLC","doc_count":1},{"key":"Hillcrest Davidson & Associates","doc_count":1},{"key":"Home Loan Center, Inc.","doc_count":1},{"key":"LAND HOME FINANCIAL SERVICES","doc_count":1},{"key":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"SYNCHRONY FINANCIAL","doc_count":1},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":1},{"key":"United PanAm Financial Corp.","doc_count":1},{"key":"Westlake Services, LLC","doc_count":1},{"key":"ZENCO COLLECTION, LLC","doc_count":1}]}},"state":{"doc_count":40,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":7},{"key":"NC","doc_count":4},{"key":"FL","doc_count":3},{"key":"IL","doc_count":3},{"key":"TN","doc_count":3},{"key":"TX","doc_count":3},{"key":"NV","doc_count":2},{"key":"NY","doc_count":2},{"key":"OH","doc_count":2},{"key":"IA","doc_count":1},{"key":"MA","doc_count":1},{"key":"MD","doc_count":1},{"key":"MN","doc_count":1},{"key":"NE","doc_count":1},{"key":"NM","doc_count":1},{"key":"OK","doc_count":1},{"key":"PA","doc_count":1},{"key":"UT","doc_count":1},{"key":"VA","doc_count":1},{"key":"WA","doc_count":1}]}},"company_public_response":{"doc_count":40,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":16},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":1}]}},"tags":{"doc_count":40,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":3},{"key":"Servicemember","doc_count":3},{"key":"Older American, Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[8.520886,"4871178"]}}}