{"took":143,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":290,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1455612","_score":17.78104,"_source":{"product":"Credit reporting","complaint_what_happened":"annualcreditreport.com says it can not supply my free annual report by email \" for security reasons ''. It had no trouble asking me to input all my personal information online, so why should it balk at sending me my own personal information online, via email? It does offer to send the report via regular mail but that appears to take two weeks and it requires the provision of even more personal information. We all know that this is just another invasion of what little is left of our privacy. Please do something to stop it.","date_sent_to_company":"2015-07-29T19:44:07.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"96740","tags":"Older American","has_narrative":true,"complaint_id":"1455612","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-07-07T22:21:33.000Z","state":"HI","company_public_response":"Company chooses not to provide a public response","sub_issue":"Problem getting my free annual report"},"highlight":{"complaint_what_happened":["annualcreditreport.com says it can not supply my free annual <em>report</em> by email \" for security reasons ''. It had no trouble asking me to input all my personal information online, so why should it balk at <em>sending</em> me my own personal information online, via email? It does offer to <em>send</em> the <em>report</em> via <em>regular</em> <em>mail</em> but that <em>appears</em> to take two weeks and it requires the provision of even more personal information. We all know that this is just another invasion of what little is left of our privacy."],"issue":["Unable to get credit <em>report</em>/credit score"],"sub_issue":["Problem getting my free annual <em>report</em>"]},"sort":[17.78104,"1455612"]},{"_index":"complaint-public-v1","_id":"7157248","_score":15.812367,"_source":{"product":"Mortgage","complaint_what_happened":"I have a mortgage account with PNC Bank. This is a relatively new account and we had decided to pay the property taxes on our own. The XXXX country never sent us the bill for the taxes and just sent us a notice of delinquent payment which we did pay right away. \nNow I got a letter in the XXXX mail from PNC reporting that a recent review of the tax records indicated the real estate property taxes are delinquent. They wanted us to provide proof of payment within 30 days. \nThe letter also stated that this is the only notice that we will receive and that if the proof is not received by the bank in 30 days, the bank will establish an escrow account and advance payment, which will include the current amount outstanding and any penalties and interest due, to resolve the delinquency. The escrow account will remain in effect for the life of this loan. \n\nNow here it all goes bad. I find this letter threatening and unscrupulous in the fact that PNC has been corresponding with me and sending other emails but sends this notice in mail and puts the burden of presenting the proof squarely on me. I tried to send a copy of the proof of payment via email but it was undeliverable at the provided email address. I tried calling the phone number provided on the letter but no one responds. It only gives a pre-recorded message. I tried calling the regular PNC bank and talked to customer service in mortgage department and she gave me another email address that I should send the proof of payment to. I have sent it again to the newer email as well. \nFrom all this, it appears more like the bank is more interested in levying fines and fees from me rather than getting the proof of payment. Also, if the bank can find that I have not paid property taxes then why can they not trust me and collect the information about taxes one more time. The bank makes it certain to tell me that this is the only notice, what if I had not received it in mail, what if the mail had gotten lost, why does the bank not try multiple avenues like email and regular mail. \n\nI request that CFPB looks into such predatory practices of PNC bank and protect innocent customers like me. \n\nThanks XXXX XXXX","date_sent_to_company":"2023-06-24T01:43:21.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"93619","tags":null,"has_narrative":true,"complaint_id":"7157248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2023-06-24T01:09:49.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I tried calling the <em>regular</em> PNC bank and talked to customer service in mortgage department and she gave me another email address that I should <em>send</em> the proof of payment to. I have sent it again to the newer email as well. \nFrom all this, it <em>appears</em> more like the bank is more interested in levying fines and fees from me rather than getting the proof of payment."]},"sort":[15.812367,"7157248"]},{"_index":"complaint-public-v1","_id":"16795711","_score":15.398886,"_source":{"product":"Credit card","complaint_what_happened":"I recently opened a credit card account with Citibank. However, the card was stolen before it reached me. Someone activated it without my authorization and made charges. I reported the fraud to Citibank immediately. They issued chargebacks for two initial charges but did not freeze or close the account, and fraudulent charges are still appearing.\n\nDespite multiple requests to : -Freeze or close the account -Cancel the stolen card -Stop all future charges -Send a replacement card Citibank has failed to act effectively. I also requested to close the account, but they still allow the stolen card to be used. I'm now being locked out of phone support and have no way to resolve the issue through regular customer service.\n\nI visited a local Citibank branch, but they could not escalate or resolve the issue either. I also filed a mail theft report with XXXX, as I suspect the card may have been intercepted during delivery. \n\nI will be away for the next couple of weeks, and will not be able to keep contacting citibank on a daily basis like ive been to try to solve this issue. \n\nThis matter is urgent and ongoing. I can not access support through regular Citibank channels and require assistance to escalate this.","date_sent_to_company":"2025-10-24T22:26:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20007","tags":null,"has_narrative":true,"complaint_id":"16795711","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-10-24T22:05:52.000Z","state":"DC","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 <em>reported</em> the fraud to Citibank immediately. They issued chargebacks for two initial charges but did not freeze or close the account, and fraudulent charges are still <em>appearing</em>.\n\nDespite multiple requests to : -Freeze or close the account -Cancel the stolen card -Stop all future charges -<em>Send</em> a replacement card Citibank has failed to act effectively. I also requested to close the account, but they still allow the stolen card to be used."]},"sort":[15.398886,"16795711"]},{"_index":"complaint-public-v1","_id":"3136691","_score":14.442437,"_source":{"product":"Mortgage","complaint_what_happened":"Late processing of mortgage payments mailed in and charging late payments. I have just sent a letter of complaint to PHH Mortgage, but have had this same problem occur in years past which got so bad I had to start sending in payments certified mail. While the company may resolve this, I feel there are many others that go ahead and pay the late payments as I have in the past. This company should be watched for regular use of this late processing. This is the first time this has happened in over a year, however it did happen a number of times in the past on two loans of mine they were servicing. \n\nEmail to PHH Mortgage below. \n\nI mailed a payment to you on the above account on or about XX/XX/XXXX and you did not enter it until XX/XX/XXXX. When I returned from vacation after XXXX, I found a late payment notice in my mail on XX/XX/XXXX. I immediately called up your call center on XX/XX/XXXX and made a payment by phone. As your agent could not mail me a confirmation, I went online and made another payment. You charged me a late fee for both payments. Then to my surprise, on my bank statement the original payment I made on about XX/XX/XXXX appeared on my statement on XX/XX/XXXX. \n\nMy credit score ranges between XXXX and XXXX as I have not had a late payment in over 20 years on my credit report. YOUR COMPANY PHH MORTGAGE is the only one that for some reason can not enter payments when they are received. Im sure you want to blame it on the post office, however, I have five mortgages and your company is the only one to enter payment late apparently in an effort to gain extra income from late payment fees. \n\nPreviously I had another mortgage with your company which fortunately you sold to XXXX XXXX. ( That company has never failed to enter a mailed payment in the four years or so they have had the loan ) On a number of occasions it took PHH MORTGATE well past the late fee period to enter my payments. It was so bad I started sending in payments certified mail and will now have to in the future once again. Perhaps you can explain why my three credit cards and four other mortgages as well as many other bills I have do not have trouble receiving payments I mail. \n\nBesides failing to enter my payments on time, you charge a significant fee for anyone to make a payment online or by phone, further padding your profits if this is done on a regular basis to other customers.","date_sent_to_company":"2019-01-29T21:28:32.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3136691","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PHH Mortgage Services Corporation","date_received":"2019-01-29T21:01:05.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Late processing of mortgage payments <em>mailed</em> in and charging late payments. I have just sent a letter of complaint to PHH Mortgage, but have had this same problem occur in years past which got so bad I had to start <em>sending</em> in payments certified <em>mail</em>. While the company may resolve this, I feel there are many others that go ahead and pay the late payments as I have in the past. This company should be watched for <em>regular</em> use of this late processing."]},"sort":[14.442437,"3136691"]},{"_index":"complaint-public-v1","_id":"2105986","_score":13.561396,"_source":{"product":"Mortgage","complaint_what_happened":"I am currently in a modification program with Bayview Loan Servicing. I was initially denied the modification in XX/XX/XXXX, but received a notice that trial payments were to start effective with the XXXX 2016 payment. I sent my first payment due XXXX XXXX, 2016 via USPS certified mail. The payment was sent on XXXX/XXXX/16 and arrived on XXXX/XXXX/16. I received my green card and knew how long it would get there. My payment for XXXX 2016, I just sent via regular mail because I did not have time to go to the post office. I mailed it on XXXX/XXXX/16. Today if XXXX/XXXX/16 and the payment has not posted to my bank account. I 've tried calling the customer service number ( XXXX ), but all I get is that no one is available to take my call and that the voice mail is full and I can not leave a message. I 've also sent an email on XXXX/XXXX/16 to customer inquiring about the status of my payment and why it has not been posted. I 've read complaints about this company and of how they will hold payments to make you appear late to either disqualify from your modification plan or report you to the credit bureau. I feel that is what they are trying to do to me. As of today, I will be sending Bayview customer service another email informing them that I will be placing a stop payment on the check that was mailed and that I will be processing the payment over the phone. I do not want this to disqualify me from completing the trial payments for the modification which I feel Bayview is trying to do.","date_sent_to_company":"2016-09-12T20:05:52.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"20772","tags":null,"has_narrative":true,"complaint_id":"2105986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","date_received":"2016-09-12T20:05:52.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I sent my first payment due XXXX XXXX, 2016 via USPS certified <em>mail</em>. The payment was sent on XXXX/XXXX/16 and arrived on XXXX/XXXX/16. I received my green card and knew how long it would get there. My payment for XXXX 2016, I just sent via <em>regular</em> <em>mail</em> because I did not have time to go to the post office. I <em>mailed</em> it on XXXX/XXXX/16. Today if XXXX/XXXX/16 and the payment has not posted to my bank account."]},"sort":[13.561396,"2105986"]},{"_index":"complaint-public-v1","_id":"2894785","_score":12.878177,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX This is an ongoing abuse by Equifax. Once again, I tried to get my report on line as we do regularly with the other two services. The scenario is identical to what I have described below in previous complaints. My previous complaint to you appears below. this is excruciatingly predictable. I do not understand why you allow this to continue. Once I complain to you, they send the report. \n-- -- -- -- -- -- -- -- -- -- -- -- -- -- - The complaint below was filed with the CFPB on or about XX/XX/XXXX after I tried to get my Equifax report on line. My wife just attempted to get her Equifax report this evening and was met with the usual Online Delivery Unavailable. We are now into our fourth year of each one of us being denied our Equifax report online. \n-- -- -- -- -- -- -- -- -- -- -- -- - My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the fourth year in a row now, neither one of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and two supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.","date_sent_to_company":"2018-05-02T18:47:37.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30102","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2894785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-05-02T18:35:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["In addition to the wasted time, more paper is consumed in printing and <em>mailing</em> the <em>report</em>. Additionally, our identity is put at risk by having the <em>report</em>, and our documents sent by <em>regular</em>, unsecured <em>mail</em>. Please take action to put a stop to this abuse. Thank You."],"issue":["Unable to get your credit <em>report</em> or credit score"],"sub_issue":["Problem getting your free annual credit <em>report</em>"]},"sort":[12.878177,"2894785"]},{"_index":"complaint-public-v1","_id":"22123481","_score":12.853341,"_source":{"product":"Debt collection","complaint_what_happened":"On Monday, XX/XX/XXXX, I received a credit reporting alert that there was a new collection account added to my XXXX  Credit report for a \" XXXX XXXX XXXX ''. The account number listed on the credit report is XXXX * *. It does not include the full account number. The total amount for the collection account is {$3400.00} for an alleged debt to XXXX XXXX XXXX. \n\nBecause I have not received any communication whatsoever from this organization, I resorted to looking up the company to attempt to get in contact with them. Through the XXXX, I was able to trace the company back to a \" McDonnell & Associates, LLC '' which has a long history of gross collection practices including threatening with non-existent lawsuits.\n\nA few months ago, I received a call for this same alleged debt stating that they were \" preparing to send me court documents '' although I don't remember the name of the company that they were with. I asked them for some type of paperwork or validation that they had of the debt and they said that \" it will be shown during discovery ''. There were other \" charges '' that they were claiming were being brought against me such as bank fraud and others. After requesting validation, they never sent it and I never heard from them again. I suspect they are the same company. \n\nTo date, I have not received any disclosures or anything of the sort before this item appeared on my credit report. This includes both by email, regular mail or even via the courts. I was not given the ability to rectify this before it appeared on my reports. I have taken great strides in improving my credit over the years and this has put a significant damper on that.","date_sent_to_company":"2026-05-12T17:39:35.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"34787","tags":null,"has_narrative":true,"complaint_id":"22123481","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Lewis, McDonnell & Associates","date_received":"2026-05-12T16:59:16.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["To date, I have not received any disclosures or anything of the sort before this item <em>appeared</em> on my credit <em>report</em>. This includes both by email, <em>regular</em> <em>mail</em> or even via the courts. I was not given the ability to rectify this before it <em>appeared</em> on my <em>reports</em>. I have taken great strides in improving my credit over the years and this has put a significant damper on that."]},"sort":[12.853341,"22123481"]},{"_index":"complaint-public-v1","_id":"4380792","_score":12.634914,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Comenity Bank XXXX XXXX XXXX XXXX, TX XXXX on statement closing cycle XX/XX/XXXX billed me for finance and late fees because they claimed my payment arrived late. Since I have even had the account my payment history is impeccable and I mail payments within the few days after receipt of their statements. In recent months their statements arrive late. Perhaps due to the weather problems in Texas or their own internal defects or errors. After speaking with 4 representatives they ( smarmily XXXX agreed to credit me for the fees. I paid the full amount they claimed was due by XX/XX/XXXX and this payment was printed and mailed on XX/XX/XXXX ( I remember a Tuesday ) and dropped in a United States Post Office center the same day. \nThe new issue : On XX/XX/XXXX I received a statement that says it was cut on XX/XX/XXXX with another late fee and interest. Clearly they are having problems because according to their timing and mailing it is taking them 8 days from the date they claim they cut the statement to receipt in New York, USPS states the mail from XXXX to NY time of a letter is about 4 to 5 days. The check I mailed on XX/XX/XXXX was cashed by Comenity on XX/XX/XXXX, Comenity states their due date was XX/XX/XXXX and they cut off their statements on XX/XX/XXXX as the closing date as printed on their statement. Its not possible for my payment to have been late again unless they are having internal process problems or weather is still affecting their operations ( one manager I spoke to told me \" due to covid we are short handed, its possible that is causing a delay, we have had freezing weather that might have cuase the mail to be delayed ) None of these issues are the consumers problems and I want Comenity to issue me a full refund for late fees and interest then close my account due to the \" Banks inability to manage their operations errors '' and correct my credit report. \n\nThen I suggest CFPB launch an investigation into what appears to be a regular practice or pattern of creating a payment receipt delay in their structure that causes people to pay interest and fees that would otherwise not be due. I would like CFPB to ask Comenity to send a mailing to all its customers who paid fees and interest in the past year advising them that if they have experienced errors they feel need to be investigated they should act upon their rights to do so. \n\nThis bank - Comenity is a takeover and appears to be using the customer base they acquired in an unfair an unscrupulous way for gain. I want my report also elevated to the elected official board who oversees CFPB for their knowledge in case they have seen other abuses like this from Comenity.","date_sent_to_company":"2021-05-16T15:12:50.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"125XX","tags":null,"has_narrative":true,"complaint_id":"4380792","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2021-05-16T14:48:36.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Then I suggest CFPB launch an investigation into what <em>appears</em> to be a <em>regular</em> practice or pattern of creating a payment receipt delay in their structure that causes people to pay interest and fees that would otherwise not be due. I would like CFPB to ask Comenity to <em>send</em> a <em>mailing</em> to all its customers who paid fees and interest in the past year advising them that if they have experienced errors they feel need to be investigated they should act upon their rights to do so."]},"sort":[12.634914,"4380792"]},{"_index":"complaint-public-v1","_id":"4081067","_score":12.466964,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, with low mortgage interest rates, my husband and I wanted to refinance our mortgage to improve our financial situation. Through the process, when our credit reports were pulled, it was discovered that my husband 's report did not include our mortgage as an account, hurting his score to not have that good standing account. While it did show on my report, and my score is \" good '', since he is the one with income, not me, he is the one that needs a good score for the refinancing. Either way, we have always both been on the account, so it should show on his report. \n\nFollowing is a series of communications I took with our mortgage company to investigate and remedy the situation. \n\nXX/XX/XXXX I called Shellpoint, the mortgage company, to explain the account is not showing on his report, and I would like to find out why, and to have it fixed so it will show on his report. I was told that Shellpoint reports every month, so they would not know why it would not show. That I need to email them a screenshot of the report showing it not there for them to do anything further. I emailed the screenshot and typed explanation to make sure they knew why I sent the screenshot, since I was told to send it to a department, not an individual. I received the auto reply email that it was received. \n\nXX/XX/XXXX Shellpoint regular mailed a letter including the statement \" We are working to gather the requested information and will forward it to you as soon as possible ''. \n\nXX/XX/XXXX ( postmarked XX/XX/XXXX ) Shellpoint regular mailed an additional letter stating \" Upon review of your correspondence, Shellpoint is unable to determine what specifically you believe Shellpoint may have furnished in error to the consumer reporting agencies ( \" CRA 's '' ). '' And \" According to our records, we show we have made no negative report to the CRA 's on your account as of XX/XX/XXXX installment. '' As you will see in a later communication ( XX/XX/XXXX ) it was in fact their error, having XXXX coded wrong in their system. At this point they had not investigated thoroughly to find their error, letting time slip by with no progress to remedy the situation. \n\nXX/XX/XXXX I have a PO Box and living in a rural area, it is not reasonable for me to check every day. Let alone, I was not informed that they would send follow up communication by regular mail, for me to know I would be receiving anything. Not knowing I had letters at my PO Box , I called Shellpoint for an update. I was told the case had been put on the \" backburner '' ( term they actually used ) and it would be resubmitted and due to the wait, escalated. Concerned the investigation would be delayed again, I asked when I would receive an update. I was told I would receive a call on XX/XX/XXXX with an update. I did not receive a call on XX/XX/XXXX. \n\n\n\n\nXX/XX/XXXX Knowing now I needed to personally stay on top of prodding this investigation along, I called Shellpoint and my concern was repeatedly dismissed with them telling me that Shellpoint reports correctly each month, so there was nothing to investigate. I continued to explain that it was somehow not correct, and there was something to investigate. Though this person stuck to their story that Shellpoint reports correctly, and told me I have to contact XXXX to find out the problem, because it was not a Shellpoint problem. For the first time I was told the above mention letter had been sent to me that the investigation had been closed. Though they saw the investigation was resubmitted on XX/XX/XXXX. But that the screenshot I sent on XX/XX/XXXX was unreadable. So, though it was not Shellpoint 's error, if I wanted them to continue the investigation, I would have to resend the screenshot, which I did. This time I sent in a different size and verified it's readability before sending. I received an auto reply email that it was received. At this point nearly three weeks had gone by with no progress. \n\nXX/XX/XXXX After speaking to Shellpoint ( above ) I called XXXX. They said that Shellpoint in no way showed on my husband 's report. That if there is no information of the lender on his report, they can't contact them to clarify anything. They said that Shellpoint could call them. \n\nXX/XX/XXXX For the second time of the day I called Shellpoint to clarify XXXX  has no record of the Shellpoint account on my husband 's report. They said they see it was escalated on XX/XX/XXXX and I should hear an update from Shellpoint by phone in 24/48 hours. If they can't reach me by phone, they will send communication by mail. I was not surprised I did not receive a call. At least now I knew to get to the post office more often to watch for a letter in the mail. \n\nXX/XX/XXXX ( postmarked XX/XX/XXXX ) Shellpoint mailed a letter that included \" We are working to gather the requested information and will forward it to you as soon as possible. \n\nXX/XX/XXXX Knowing I had not gotten a call, and after checking my PO Box finding no letter from Shellpoint, I called Shellpoint. I was told they have no updates since nothing was completed. That it was escalated on XX/XX/XXXX, and it should be complete in an estimate of 30 days from then. \n\n\nXX/XX/XXXX I called Shellpoint and was told there are no further updates, and further investigation was being done. I tried asking for details of what actual actions were being done for the investigation, as at this point I did not have much confidence in their investigating. They would not tell me anything until it was complete. I was told there should be an update by the end of the month, which I got clarification meant the end of XX/XX/XXXX. And that at that point it may take another 30 days to update. \nAt this point it had already been more than 30 days from my first contact with Shellpoint on XX/XX/XXXX. I expressed my frustration at more waiting, them more waiting of another 30 days on top of that. I was told that I could contact ( they would not connect/transfer me to ) the loan servicing department, which is also the one I had previously be directed to send the screenshot to. I was also told I can only contact them in writing by email or regular mail. \n\nXX/XX/XXXX I emailed Shellpoint Loan Servicing Dept. I included a list of my notes of this process similar to this complaint I am filing with CFPB. I also included my opinion about how an institution such as Shellpoint that I dutifully pay my monthly mortgage payment to has not as of yet discovered why their account is not showing on my husband 's credit report, and they continually make me wait, and do not give me any information. All I can do it keep calling, but otherwise our finances are being \" held hostage '' by them. That a mortgage is not like many other consumer products where I could shop around and choose to take my business elsewhere. As usual, I received the auto reply the email was received. As of XX/XX/XXXX I didn't receive any other communication from the Loan Servicing Dept. \n\nXX/XX/XXXX Shellpoint regular mailed another letter including \" We are working to gather the requested information and will forward it to you as soon as possible. '' XX/XX/XXXX I called Shellpoint. I was told that the investigation was completed XX/XX/XXXX. They found that my husband had been coded in the system wrong and they fixed it. That they send updates to the credit bureaus at the end of the month. Also, they would send the information that would retroactively show that he has had this account and been in good standing for the duration he has had this account with Shellpoint. \n\nAs of XX/XX/XXXX every few days I would check my husband 's XXXX XXXX account waiting to see the Shellpoint account appear on his report. \n\nXX/XX/XXXX I again checked my husband 's XXXX XXXX report. The Shellpoint account still did not show. In the meantime, since XX/XX/XXXX a family member was gracious enough to add my husband to two of their good standing credit cards to also help boost his score. One of which showed up on his report in two days from him being added. As I am hearing mortgage rates are beginning to rise, we have been having conversations with our refinance person to try to decide to refinance while they are super low, but with my husband not having a great score, so our rate might be higher anyway, or to wait longer for Shellpoint to appear in his report, improving his score, but the rates having gone up so we have a higher rate than if Shellpoint had not made this mistake, or fixed it in a timely manner instead of being dismissive. \n\nXX/XX/XXXX I called XXXX, in case the Shellpoint account shows to them first, with a delay before it appears in 3rd party XXXX XXXX. The confirmed it still did not show. Again without record of Shellpoint on their end, they could not do anything for me. They recommended I file a complaint with CFPB. \n\nXX/XX/XXXX I called Shellpoint. After a brief review with the person, who said the usual that it was fixed and reported, I insisted on a manager/supervisor. The supervisor said they saw the update that it was fixed on XX/XX/XXXX and that at the end of XXXX they reported it to the credit bureaus. That once they report it, it is up to the credit bureaus when they do their own updates for it to show. That reporting it in XX/XX/XXXX sounds like it did not appear in the credit bureaus updates in XXXX, that it should likely appear in XXXX. \n\nI tried to see if there was any way the supervisor, or one of their higher ups, could do ANYTHING else, like a 3 way call to the credit bureaus, to escalate/expedite this further, as I have already been waiting since XX/XX/XXXX, 2 months and 10 days, when I first contacted Shellpoint about a mistake they had made. They said there is nothing they can do. That even if they reported something \" today '', that it is then entirely in the hands of the credit bureaus to decide when to do something about updating it. He said as a supervisor he escalated it, which he said is a \" higher '' escalation when I questioned the value of an escalation after all of this. And when I expressed my opinions about how we are trying to improve our financial situation and we have been held back by the dismissive actions of Shellpoint for so many weeks, for a mistake that they made in the first place, they accepted and submitted a complaint from me. At least put it in notes, not actually sure if they filed an official complaint to submit to any other department. \n\nStill playing the waiting game for my husband 's report to be accurate to give him the best score, we are back to the concern of rising interest rates while waiting for someone else 's mistake to be fixed.","date_sent_to_company":"2021-02-05T14:52:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4081067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2021-01-20T21:56:14.000Z","state":"CA","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["The supervisor said they saw the update that it was fixed on XX/XX/XXXX and that at the end of XXXX they <em>reported</em> it to the credit bureaus. That once they <em>report</em> it, it is up to the credit bureaus when they do their own updates for it to show. That <em>reporting</em> it in XX/XX/XXXX sounds like it did not <em>appear</em> in the credit bureaus updates in XXXX, that it should likely <em>appear</em> in XXXX."],"issue":["Incorrect information on your <em>report</em>"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[12.466964,"4081067"]},{"_index":"complaint-public-v1","_id":"2162866","_score":12.43837,"_source":{"product":"Debt collection","complaint_what_happened":"The first statement I received from First Point collection was dated XX/XX/2016. The date of service was XX/XX/2016.Total balance on this account was XXXX and due on XX/XX/2016. This is the first notification I received of an outstanding balance and it was from a collection agency. My insurance processed and paid their part on XX/XX/2016. I sent a {$50.00} payment on XX/XX/2016 with a letter stating that I could not pay the amount in full but that I would send monthly payments. I also explained that I was also paying another bill from them of XXXX. I have always sent my payments directly to XXXX and they have been accepted and processed. I have made regular payments on this account. I received another letter from First Point dated XX/XX/2016 showing a balance of XXXX. I submitted a dispute letter to First Point on XX/XX/2016 requesting the amount of the debt as this balance was not correct. I have not received a response as of today, XX/XX/2016. I know it was received because I sent this certified mail. I have not missed making a payment and yet this has now been placed on my credit report. The balance placed on my credit report also is not the correct outstanding balance. The credit report does not show this as being disputed or as a medical bill. I believe both of these have to be shown on a credit report. When the provider is accepting and processing my payments they should not be able to put this on a credit report. The bill mentioned earlier of XXXX has been paid in full. It appears that they are trying to coerce me into making the full payment by sending me statements from a collection agency from the first statement. I take my credit report very seriously and I pay my bills.","date_sent_to_company":"2016-12-01T17:10:58.000Z","issue":"Disclosure verification of debt","sub_product":"Medical","zip_code":"28739","tags":"Older American","has_narrative":true,"complaint_id":"2162866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FirstPoint Collection Resources","date_received":"2016-10-16T17:04:02.000Z","state":"NC","company_public_response":null,"sub_issue":"Right to dispute notice not received"},"highlight":{"complaint_what_happened":["It <em>appears</em> that they are trying to coerce me into making the full payment by <em>sending</em> me statements from a collection agency from the first statement. I take my credit <em>report</em> very seriously and I pay my bills."]},"sort":[12.43837,"2162866"]},{"_index":"complaint-public-v1","_id":"9777822","_score":12.071047,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because a debt collector from Reliant Capital Solutions violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year> at XXXX, I informed the debt collector XXXX XXXX I was disputing the debt in question and that I had sent a formal dispute letter, which they should receive by [ Expected Arrival Date, e.g., XX/XX/XXXX ]. \n\nDespite my clear communication, the debt collector attempted to coerce me into discussing the contents of my dispute letter over the phone, which I am not legally obligated to do. When I refused, they threatened to mark my account as a refusal to pay and report this to the credit bureaus, even though the formal dispute had already been initiated. \n\nThese actions comprise an unlawful attempt to intimidate me and violate my rights under the FDCPA, particularly the provisions that prevent debt XXXXollectors from taking adverse actions against a consumer without resolving a disputed debt. The collectors threat to report my account as a refusal to pay, despite my formal dispute, also violates my right to a fair debt resolution process and the protections afforded to me under 12 C.F.R. 1026.13 ( d ) ( 1 ) and 15 U.S. Code 1692e.\n\nMoreover, I started receiving calls from this debt collector and, although I had been making regular payments, I realized that I had never received any statement balance or information on how much I owed or to whom I was making these payments. Concerned about this lack of transparency, I contacted the debt collector to inquire about the address where they had been sending my statements. To my shock, they informed me that they had just sent a statement to an address that was incorrectan address I have never lived at before. \n\nthe debt collector has been sending mail containing my personal and financial information to the wrong address, despite me providing my correct address multiple times. This breach of cybersecurity is deeply concerning, as I do not know what sensitive information was included in the misdirected mail, and the agency has confirmed that they sent these communications to the incorrect addresses. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to ensure the security and confidentiality of consumer information, and this careless handling of my data is a clear violation of that law.\n\nFurthermore, the debt collector provided misleading information regarding the reporting of my debt to the credit bureaus. Before this debt appeared on my credit report, I was never notified or informed that this would happen. I had been making regular payments to this collection agency, under the impression that doing so would prevent the debt from being reported to the credit bureaus. However, the debt suddenly appeared on my credit report without any prior notice. This constitutes a deceptive practice, as I was misled into believing that my payments would keep the debt off my credit report, which was not the case.\n\nUnder the FDCPA, 15 U.S. Code 1692e ( 10 ) prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. The debt collectors failure to inform me that my debt would be reported to the credit bureaus despite my payments is a clear violation of this provision.\n\nI request that Reliant Capital Solutions be investigated for these violations, and that all negative reporting associated with this account be removed from my credit report. Additionally, I seek assurance that the agency will cease any further collection efforts on this disputed debt until the matter is fully resolved.","date_sent_to_company":"2024-08-11T00:15:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"373XX","tags":null,"has_narrative":true,"complaint_id":"9777822","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Reliant Capital Solutions, LLC","date_received":"2024-08-10T23:48:59.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Furthermore, the debt collector provided misleading information regarding the <em>reporting</em> of my debt to the credit bureaus. Before this debt <em>appeared</em> on my credit <em>report</em>, I was never notified or informed that this would happen. I had been making <em>regular</em> payments to this collection agency, under the impression that doing so would prevent the debt from being <em>reported</em> to the credit bureaus. However, the debt suddenly <em>appeared</em> on my credit <em>report</em> without any prior notice."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[12.071047,"9777822"]},{"_index":"complaint-public-v1","_id":"6187082","_score":12.016285,"_source":{"product":"Debt collection","complaint_what_happened":"I received XXXX calls from XXXX in regard to a debt that I do not own them. They also called my ex-wife and sent her a text message and sent her a text message with the last XXXX of my social security number and my vehicle make and model and license plate number and threatened a judgment against me and garnishment and sent a text message to my mother after I told them to cease and desist. I have sent them emails to cease and desist. This company They have contacted family members, and I request them to cease and desist from doing so. I've received multiple calls per day which is also illegal per the FDCPA that reads \" it prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. I have received no documentation of any debt owed to them. They are clearly violating my rights as a consumer and violating the FDCPA and the FCRA. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regard to current consumer protection laws. Please note that I am not concerned with the verification of this debt. Send me the VALIDATION at once. In your validation response., provide me with the following : 1 A description of what the money you are alleging I owe you is for. 2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. 3. An explanation of who the original creditor is and when this account was the last paid to the original creditor and an originating document with a wet signature 4. Send me prof that the statute of limitations on the account has not expired. 5. Include your license number ( all of them ). and your registered agent 's information. Immediately cease reporting of this account during this validation period in accordance with the law and make no further attempts to contact me regarding this account other than to notify me of your error by regular postal mail. If you do not have validation or your records indicate you are attempting to collect this debt in error, send me a response stating this immediately.","date_sent_to_company":"2022-11-10T21:39:51.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"44313","tags":null,"has_narrative":true,"complaint_id":"6187082","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"AA Recovery Solutions, Inc.","date_received":"2022-11-10T21:36:23.000Z","state":"OH","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["<em>Send</em> me prof that the statute of limitations on the account has not expired. 5. Include your license number ( all of them ). and your registered agent 's information. Immediately cease <em>reporting</em> of this account during this validation period in accordance with the law and make no further attempts to contact me regarding this account other than to notify me of your error by <em>regular</em> postal <em>mail</em>."]},"sort":[12.016285,"6187082"]},{"_index":"complaint-public-v1","_id":"5213304","_score":11.926154,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received notice this date that my SSN was leaked in a security breach by XXXX. I was told by my identity theft service monitoring site to freeze my credit at the three major credit reporting companies. I did so at XXXX and XXXX within seconds of creating accounts with those companies. However, when I attempted to freeze my credit at Experian, I was first sent to multiple links attempting to sell me their product, \" XXXX, '' until I found in tiny print, a link at the very bottom of a random dropdown box, that XXXX is not the same thing as a credit freeze. I clicked that link and was sent to Experian 's credit freeze page. I entered my information accurate there but received the following message ( below ). Given that the other two companies allowed me to access my right to freeze my credit without issue and within seconds, Experian is engaging in unfair business practices by routing me to purchase their product rather than access my freeze request, by not effectively confirming my personal information, and placing an undue burden on me to mail them my private information which takes time, carries additional risks, and means that requesting the freeze in the future may also take additional amount of time. I am not comfortable sending my SSN through the mail while I am trying to protect it from fraud. It appears to me that Experian is making it unnecessarily difficult for me to access my free credit freeze so that I will purchase their product. I am also now delayed from protecting my credit because of an easily fixable quirk of their system which the other companies have obviously resolved. Please help! \n\n\" We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. \n\nSending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. \nSend copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. \nExperian XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Your identification information [ personal information removed ] [ ] I have included a copy of a valid police report or investigative report or complaint filed with a law enforcement agency, etc. ''","date_sent_to_company":"2022-02-11T23:26:37.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"85251","tags":null,"has_narrative":true,"complaint_id":"5213304","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-11T23:07:54.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["\" We were unable to honor your request to place a security freeze on your personal credit <em>report</em> based on the information you entered. \n\n<em>Sending</em> us your information To request a security freeze, <em>send</em> all of the requested information via certified or <em>regular</em> <em>mail</em> to Experian XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX, TX XXXX."]},"sort":[11.926154,"5213304"]},{"_index":"complaint-public-v1","_id":"6613855","_score":11.822095,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XXXX of 2022, I was approached and approved for a XXXX XXXX XXXX XXXX XXXX via XXXX XXXX. a Day or 2 Later, I saw on the News where this Same Company went Bankrupt and Left Customers holding the Bag. I immediately Called my points of contact only to find that all numbers had been disconnected. The News had provided an online link for Customers of this company. I found the link and it's Contacts to IMMEDIATELY CALL and CANCEL EVERYTHING Pertaining to them. I was given a series of emails & phone numbers from which to Submit an Affidavit of what happened, of which I submitted both via email, and regular mail. No Money, or Services, OR Goods were Ever Rendered, as they went bankrupt the Very next day. Needless to say, this Outstanding Debt appeared in all 3 of my Credit Reports of which I Contested all 3, yet their investigations Stood. I have literally been going back and forth with this Company for 6 Months, making Probably close to a Hundred Calls over 6 Months, Numerous Emails & Everything, Only to be Passed around and told the Same thing. \" ive taken notes and forwarded your concern and someone will get back to you '' Nobody has gotten back to me, and the Matter is STILL being Reported to all 3 Credit Bureau 's as an OUTSTANDING DEBT of {$17000.00} by ENERBANK USA which NO DOUBT has Affected both my Credit Score AND my ability to get a good rate on a Loan or credit card. I've Contested the matter TWICE with XXXX sending them COPIES of the Affidavit and THEY STILL have not Removed this FALSELY Reported Debt.","date_sent_to_company":"2023-03-30T17:37:28.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"464XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6613855","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2023-02-24T16:07:53.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I was given a series of emails & phone numbers from which to Submit an Affidavit of what happened, of which I submitted both via email, and <em>regular</em> <em>mail</em>. No Money, or Services, OR Goods were Ever Rendered, as they went bankrupt the Very next day. Needless to say, this Outstanding Debt <em>appeared</em> in all 3 of my Credit <em>Reports</em> of which I Contested all 3, yet their investigations Stood."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.822095,"6613855"]},{"_index":"complaint-public-v1","_id":"14170208","_score":11.774093,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"What Happened : Mountain America Credit Union failed to properly process two authorized payment deferrals on my vehicle loan, resulting in improper payment demands and potential credit reporting issues. Detailed Timeline : I maintain an auto loan in good standing and was one month ahead on payments\n. \n\nXX/XX/year> : I contacted MACU 's Service Center ( confirmed by MACU 's survey email dated XX/XX/year> ). During this call, I arranged to use my advance payment status to defer XXXXXXXX XXXX payment. The representative confirmed I could skip XXXX and resume regular payments in XXXX. \n\nXX/XX/year> : I enrolled in MACU 's skip-a-pay program through their digital banking platform, paying a {$25.00} extension fee. I received immediate email confirmation stating : \" You have successfully submitted a skip-a-pay transaction for your Mountain America loan . '' Expected Coverage : - XX/XX/year> : Deferred using advance payment status ( arranged XX/XX/XXXX ) - XX/XX/year> : Deferred using paid skip-a-pay ( confirmed XX/XX/XXXX ) - XX/XX/year> : Resume regular payments The Problem : Despite email confirmations of both arrangements, MACU demanded two payments, claiming one was past due. This contradicts both agreements and appears to have double-counted my deferrals.\n\nCommunication Barriers : MACU 's Help Center provides only phone and mail options - no ema\nil for dispute resolution. This creates asymmetric communication where MACU sends electronic confirmations but accepts no electronic responses, impeding my ability to submit documentary evidence and potentially violating E-SIGN Act reciprocity requirements ( 15 U.S.C. 7001 ).\n\nDocumentation I Possess : - MACU survey email confirming XX/XX/XXXX service contact - {$25.00} extension fee transaction record - Skip-a-pay confirmation email dated XX/XX/XXXX - Account history showing advance payment status Impact : This error caused significant stress, time loss addressing the issue, and potential credit damage from incorrect reporting.","date_sent_to_company":"2025-06-19T23:25:21.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"84058","tags":null,"has_narrative":true,"complaint_id":"14170208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","date_received":"2025-06-19T22:14:06.000Z","state":"UT","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["This contradicts both agreements and <em>appears</em> to have double-counted my deferrals.\n\nCommunication Barriers : MACU 's Help Center provides only phone and <em>mail</em> options - no ema\nil for dispute resolution. This creates asymmetric communication where MACU <em>sends</em> electronic confirmations but accepts no electronic responses, impeding my ability to submit documentary evidence and potentially violating E-SIGN Act reciprocity requirements ( 15 U.S.C. 7001 )."]},"sort":[11.774093,"14170208"]},{"_index":"complaint-public-v1","_id":"3330795","_score":11.485653,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2019and XX/XX/XXXX, I was a victim of a housing fraud ( I lost a total of {$2600.00} : {$1300.00} for the first month 's rent, paid XX/XX/19and {$1300.00} for the security deposit, paid XX/XX/19) perpetrated by a man posing as \" XXXX XXXX ''. He showed me what appeared to be a legitimate apartment sublease in XXXX XXXX, California on a housing listing site and used what appeared to be his Driver 's License to prove his identity. He also handed me what appeared to be a legitimate housing contract, signed and notarized by a personal agent named XXXX XXXX XXXX. \n\nHe then directed me to make XXXX payments to XXXX XXXX, a person who he claimed was his girlfriend. He noted to me that he would mail me the keys. All this turned out to be a fraud when 3-5 days later, the keys never appeared at my house. I tried contacting him after this to no avail ; he refused to send me the keys and then stopped responding to any of my messages. \n\nI contacted Chase Bank by phone to attempt to have the charges reversed, but one week later they told me that nothing could be done on their end. They would not tell me the name of the recipient 's bank, even though they insinuated that they knew the name. They also told me that because the payment was made through XXXX, it could not be reversed or tracked. I find this extremely misleading because Chase advertises XXXX on their homepage and on my bank account dashboard as a safe and regular means to pay bills, as if it was like a regular checking or savings account or debit/credit card payment. There is no fine print warning users of the lack of traceability or potential for XXXX to be used for scams. \n\nI did give the man a copy of my driver 's license. Once I found out this was a scam I immediately went to my local DMV to deactivate this license and apply for a new one. I have subsequently submitted full reports to agencies such as the California Dept. of Justice, XXXX 's fraud line, the U.S. Department of Justice, and the FTC, and reported the incident to the local police ( XXXX XXXX County Sheriff 's Office ). None have been able to retrieve the {$2600.00} nor find the individual responsible thus far, although they have noted to me that my information may add to a body of evidence that will eventually find the perpetrator. I also put a credit alert on my file in case the perpetrator tried to open a credit line in my name. \n\nThe {$2600.00} I lost was a very large sum of money that made a significant negative impact on my budgets for the next year. I was severely distressed by this incident because I was working hard over the past year to be able to save money to eventually go to law school and make rent payments on the next apartment I end up leasing. If I could get the {$2600.00} payment reversed by Chase Bank, it would help to pay for future rents and save for future schooling, and I would be very grateful. I am contacting the CFPB to see if they can ask Chase Bank to reverse the charge and delve deeper to see if they can find more information about who and where the money was sent to. \n\nThank you so much for your help. I appreciate it.","date_sent_to_company":"2019-08-06T13:27:19.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"95132","tags":null,"has_narrative":true,"complaint_id":"3330795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-08-06T12:59:58.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["He showed me what <em>appeared</em> to be a legitimate apartment sublease in XXXX XXXX, California on a housing listing site and used what <em>appeared</em> to be his Driver 's License to prove his identity. He also handed me what <em>appeared</em> to be a legitimate housing contract, signed and notarized by a personal agent named XXXX XXXX XXXX. \n\nHe then directed me to make XXXX payments to XXXX XXXX, a person who he claimed was his girlfriend. He noted to me that he would <em>mail</em> me the keys."]},"sort":[11.485653,"3330795"]},{"_index":"complaint-public-v1","_id":"2645613","_score":11.259805,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had an account with  XXXX   XXXX   XXXX  back in  XXXX  ; however, I did have their equipment which was showing that I owed  XXXX   XXXX   XXXX  {$500.00}. On  XXXX / XXXX / XXXX  at  XXXX , I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called  XXXX   XXXX   XXXX   (  now known as  XXXX   ) one week later asking on when my credit report would be updated accordingly. I  was then advised that I owe {$220.00} from a previous address back in  XXXX . I explained that I did not have an account with  XXXX   XXXX   XXXX  back in  XXXX  -  XXXX  with the address identified, yet during that timeframe I did have an account with   XXXX   XXXX   And the account I held with  XXXX   XXXX  closed when I returned their equipment back in  XXXX . The representative explained that  XXXX   XXXX   XXXX  acquired  XXXX   XXXX  which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with   XXXX   XXXX    (  which I do not ) it is past the  statue of limitations to collect and merging a previous bill does not seem to be right. I the n asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information.  \n  \n A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute.  \n  \n I contacted   XXXX   by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with   XXXX    \n  \n The issue here is that this information is still reporting the same on all  3 of  my major credit reports even after I returned the equipment to  XXXX   XXXX   XXXX  and was given a receipt that did not show information that there is a remaining balance.","date_sent_to_company":"2017-08-24T14:20:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43017","tags":null,"has_narrative":true,"complaint_id":"2645613","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-08-23T19:10:58.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The representative then advised that they are unable to <em>send</em> a bill via <em>regular</em> <em>mail</em> or e-<em>mail</em> but I could go to a store to request this information.  \n  \n A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.259805,"2645613"]},{"_index":"complaint-public-v1","_id":"2645614","_score":11.25514,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had an account with XXXX XXXX XXXX back in XX/XX/XXXX ; however, I did have their equipment which was showing that I owed XXXX XXXX XXXX {$500.00}. On XX/XX/XXXX at XXXX, I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called XXXX XXXX XXXX ( now known as XXXX ) one week later asking on when my credit report would be updated accordingly. I was then advised that I owe {$220.00} from a previous address back in XX/XX/XXXX. I explained that I did not have an account with XXXX XXXX XXXX back in XX/XX/XXXX - XX/XX/XXXX with the address identified, yet during that timeframe I did have an account with XXXX XXXX. And the account I held with XXXX XXXX closed when I returned their equipment back in XX/XX/XXXX. The representative explained that XXXX XXXX XXXX acquired XXXX XXXX which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with XXXX XXXX ( which I do not ) it is past the statue of limitations to collect and merging a previous bill does not seem to be right. I then asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information. \n\nA few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute. \n\nI contacted XXXX by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with XXXX. \n\nThe issue here is that this information is still reporting the same on all 3 of my major credit reports even after I returned the equipment to XXXX XXXX XXXX and was given a receipt that did not show information that there is a remaining balance.","date_sent_to_company":"2017-09-18T15:24:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43017","tags":null,"has_narrative":true,"complaint_id":"2645614","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The CMI Group, Inc.","date_received":"2017-08-23T18:08:00.000Z","state":"OH","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The representative then advised that they are unable to <em>send</em> a bill via <em>regular</em> <em>mail</em> or e-<em>mail</em> but I could go to a store to request this information. \n\nA few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.25514,"2645614"]},{"_index":"complaint-public-v1","_id":"2645422","_score":11.25514,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had an account with  XXXX   XXXX   XXXX  back in  XXXX  ; however, I did have their equipment which was showing that I owed  XXXX   XXXX   XXXX  {$500.00}. On  XXXX / XXXX / XXXX  at  XXXX , I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called  XXXX   XXXX   XXXX  ( now known as  XXXX   ) one wee k later asking on when my credit report would be updated accordingly. I was then advised that I owe {$220.00} from a previous address back in  XXXX . I explained that I did not have an account with  XXXX   XXXX   XXXX  back in  XXXX  -  XXXX  with the address identified, yet during that timeframe I did have an account with   XXXX   XXXX  . And the account I held with  XXXX   XXXX  closed when I returned their equipment back in  XXXX . The representative explained that  XXXX   XXXX   XXXX  acquired  XXXX   XXXX  which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with   XXXX   XXXX   ( which I do not ) it is past t he statue of limitations to collect and merging a previous bill does not seem to be right.  I then asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information.  \n  \n A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute.  \n  \n I contacted Transunion by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with Transunion.  \n  \n The issue here is that this information is still reporting the same on a ll 3 o f my major credit reports even after I returned the equipment to  XXXX   XXXX   XXXX  and was given a receipt that did not show information that there is a remaining balance.","date_sent_to_company":"2017-08-24T14:20:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43017","tags":null,"has_narrative":true,"complaint_id":"2645422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-08-23T19:10:58.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The representative then advised that they are unable to <em>send</em> a bill via <em>regular</em> <em>mail</em> or e-<em>mail</em> but I could go to a store to request this information.  \n  \n A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.25514,"2645422"]},{"_index":"complaint-public-v1","_id":"3544461","_score":11.025628,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX, I paid the Property taxes Loancare had illegally paid without my consent on XX/XX/XXXX, in attempting to change the terms of my loan and force place me into impound/escrow for taxes. The County Treasurer sent the same amount to Loancare the same day, XX/XX/XXXX-Loancare held the payment and would not credit my account until XX/XX/XXXX. \n\nOn XX/XX/XXXX, I retained an attorney to resolve continued illegal attacks on my sovereignty by Loancare. \n\nBy XXXX/XXXX/XXXX, I was forced to mail my regular payment of a cashiers check via tracked USPS, since I was prevented from using the Loancare website or pay by phone to make my regular payment as due, I was locked out. \n\nLoancare received this payment XX/XX/XXXX, but did not credit it to my account until the next day XX/XX/XXXX. Loancare has previously delayed credit of my payment on other occasions, pretended I paid late and charged a late fee. \n\nBy XX/XX/XXXX, the matter was considered resolved by my attorney. Loancare appeared to have the fixed most account errors, reversed late charges, located the tax refund from the XXXX County Treasurer and credited my account and refunded a small amount belonging to me after the corrections were made. The account detail on the Loancare website also reflected the credit of my XX/XX/XXXX payment ; but the website erroneously indicated a next payment due XXXX-the next payment is due XX/XX/XXXX. Another mistake already. Then, a late charge on XX/XX/XXXX. \n\nAs of today, XX/XX/XXXX, the online account screen now indicates an unpaid late charge. This is not accurate, I am up to date. \n\nLoancare continues making mistakes, erroneous charges, delaying posting my payment and pretending I am in default, even as the issues are being resolved by an attorney at my expense.\n\nAll the while, Loancare continues to send embarrassing letters stating I am behind on payments and threating foreclosure. And Loancare Loss Mitigation continues to call me several times each week. There is no reason for Loancare to call me. This is disruptive. \n\nWhen I returned Loancare 's call today, XX/XX/XXXX, I was verified through the automated system. XXXX, who answered, would not transfer me to a supervisor or answer my questions of why they were calling me, so I informed her I would file a complaint. \n\nLoancare continues to attack me by changing the terms of my loan, attempting to charge me late fees, trying to deceive me into believing I am in foreclosure and fraudulently reporting late mortgage payments to credit bureaus. \n\nThese acts by Loancare are injurious and costly.","date_sent_to_company":"2020-02-26T05:41:13.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"986XX","tags":null,"has_narrative":true,"complaint_id":"3544461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2020-02-26T00:07:42.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["By XXXX/XXXX/XXXX, I was forced to <em>mail</em> my <em>regular</em> payment of a cashiers check via tracked USPS, since I was prevented from using the Loancare website or pay by phone to make my <em>regular</em> payment as due, I was locked out. \n\nLoancare received this payment XX/XX/XXXX, but did not credit it to my account until the next day XX/XX/XXXX. Loancare has previously delayed credit of my payment on other occasions, pretended I paid late and charged a late fee."]},"sort":[11.025628,"3544461"]},{"_index":"complaint-public-v1","_id":"19012979","_score":10.905613,"_source":{"product":"Mortgage","complaint_what_happened":"Company : XXXX XXXX Loan Number : XXXX Property State : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX Summary of the problem XXXX XXXX has engaged in mortgage servicing conduct that caused and escalated my delinquency, restricted my ability to cure the default, damaged my credit, and fast-tracked foreclosure. This includes refusing good-faith payments, reporting late payments they caused, repeatedly disregarding a confirmed forwarding address while selectively mailing foreclosure notices to a known-ineffective address, denying loss-mitigation options, denying online portal access, and adding fees while blocking resolution. \n\nDetailed description of what happened I became approximately {$6000.00} behind on my mortgage. In an effort to cure the delinquency, I offered a good-faith payment of {$3000.00}. XXXX XXXX refused to accept this payment and refused to make any payment arrangement stating that they will only take the full past due or nothing at all. \nDespite refusing payment, XXXX XXXX reported late payments to the credit bureaus for nonpayment that they themselves caused. This credit reporting directly prevented me from refinancing or accessing other financing options, even though I have approximately {$160000.00} in equity in the property that could have been used to bring the loan current. \nXXXX XXXX also refused to offer or meaningfully consider any loan modification or other loss-mitigation option while continuing to advance foreclosure and add fees. \n\nFailure to provide proper notice / repeated disregard of forwarding address Beginning in XX/XX/XXXX, XXXX XXXX  was notified that I would need to travel back and forth from the property due to multiple overlapping family crises, including serious family health issues, multiple XXXX in the family, and a significant decline in the health of my XXXX brother, who required XXXX XXXX XXXX XXXX XXXX. During this period, I was aiding my mother with his care. \nDuring this time, XXXX XXXX  replaced the water heater at the property and acknowledged that we were not consistently present at the residence. \nBecause I was traveling frequently and there was always someone available at the forwarding address to receive mail, I requested that XXXX XXXX send correspondence to the forwarding address rather than the property address. I specifically explained that mail delivery at the property address would be unreliable because the mailbox would fill while I was away, causing mail delivery to be stopped until I returned full-time. \nFrom XX/XX/XXXX through XX/XX/XXXX, I received emails from XXXX XXXX stating that mail sent to the property address had been returned. Each time I received XXXX of these emails, I contacted XXXX XXXX and again and requested that all correspondence be sent to the forwarding address. Despite these repeated notifications, XXXX XXXX continued to send correspondence to the property address. \nXXXX XXXX clearly has the forwarding address on file and actively uses it, as regular mortgage statements are consistently mailed to the forwarding address. However, foreclosure-related and time-sensitive default notices were not sent to this address and instead continued to be mailed only to the property address, despite XXXXXXXX XXXX actual knowledge that mail sent there was being returned. \nCritical notices regarding cure periods and foreclosure timelines were never received by us because they were mailed to an address XXXX XXXX knew was ineffective. These notices were returned as undeliverable. The selective use of addresses sending routine correspondence to the forwarding address while sending foreclosure notices only to the property address prevented us from receiving timely notice and the opportunity to cure the default. \nXXXX XXXX also continues to mail and post notices at the property, visibly signaling that the home is unoccupied and exposing us to risk of trespassing or squatters. \n\nDenial of access to account information For several years, we have not had functional access to XXXX XXXX online account portal. Despite repeated complaints, this issue has never been corrected. As a result, we have been forced to make payments as a guest, without reliable access to statements, notices, or account history, impairing our ability to manage and monitor the loan. \n\nImproper credit reporting XXXX XXXX reported late payments that resulted directly from their refusal to accept payment or offer reasonable arrangements. This reporting is inaccurate and misleading because it reflects nonpayment caused by the servicer. This reporting blocked our ability to refinance or otherwise resolve the delinquency using available equity. \n\nEquity stripping / foreclosure acceleration At the time this began, the property had approximately {$160000.00} in equity. XXXX XXXX refusal to accept payment, refusal to negotiate, repeated disregard of the forwarding address, selective mailing of foreclosure notices, and damaging credit reporting prevented us from curing the default and appear designed to stack fees and accelerate foreclosure rather than resolve the delinquency. \n\nFair treatment concerns We are concerned that we may not be receiving fair or equal treatment. We are an extreme minority in the area where the property is located and are the only XXXX couple in the immediate area to our knowledge. While motive can not be determined, the pattern of obstruction and foreclosure acceleration raises concerns that warrant investigation for compliance with fair servicing and fair lending obligations.","date_sent_to_company":"2026-01-26T19:28:01.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"55411","tags":null,"has_narrative":true,"complaint_id":"19012979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Data Mortgage Inc.","date_received":"2026-01-26T19:00:32.000Z","state":"MN","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["XXXX XXXX clearly has the forwarding address on file and actively uses it, as <em>regular</em> mortgage statements are consistently <em>mailed</em> to the forwarding address. However, foreclosure-related and time-sensitive default notices were not sent to this address and instead continued to be <em>mailed</em> only to the property address, despite XXXXXXXX XXXX actual knowledge that <em>mail</em> sent there was being returned."]},"sort":[10.905613,"19012979"]},{"_index":"complaint-public-v1","_id":"4525409","_score":10.408459,"_source":{"product":"Mortgage","complaint_what_happened":"This is the second time I've had to file a complaint regarding my experience with Virginia Housing during a forbearance plan. \nBackground : I was laid off from my full-time job in XX/XX/2020. The layoff was prior to the COVID-19 pandemic, however, my ability to find a new job was impacted by the COVID-19 pandemic and a job I was offered was then delayed due to the COVID-19 pandemic. All of this was communicated to Virginia Housing. However, in violation of the CARES Act, my missed payments were reported to credit bureaus and my credit score subsequently plunged. I tried several times to resolve the issue with Virginia Housing before filing a complaint through CFPB. Only then was the issue resolved. Calls and emails went unreturned several times during the forbearance process. \nCurrent issue : I informed Virginia Housing that I am employed as of XX/XX/XXXX and would be able to resume mortgage payments by XX/XX/XXXX. I was directed to submit an attestation form, which I did. I then received a call indicating that the end of my forbearance was approved and the amount owed would be added to my existing loan. I was told I would received a letter via email by XX/XX/XXXX and later via regular mail verifying as much. When I did not receive the promised XX/XX/XXXX email, I followed up. I was then told that there were \" concerns '' with my file and that my forbearance appeared to be not due to the COVID-19 pandemic and therefore the loan would need to be modified and more time was needed for that process. I once again, as I had before, explained that my forbearance was indeed due to the COVID-19 pandemic. However, Virginia Housing is still refusing to make good on the original approval and send the documentation effectively ending my forbearance. Instead, they are asking for my \" patience. '' I am still behind on other financial obligations and desperately need resolution so that I can refinance my loan and consolidate the debt accrued to support my daughter and myself for the past 18 months. Please help. Thank you.","date_sent_to_company":"2021-07-08T18:22:38.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"20175","tags":null,"has_narrative":true,"complaint_id":"4525409","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VIRGINIA HOUSING DEVELOPMENT AUTHORITY","date_received":"2021-07-08T17:57:54.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was told I would received a letter via email by XX/XX/XXXX and later via <em>regular</em> <em>mail</em> verifying as much. When I did not receive the promised XX/XX/XXXX email, I followed up. I was then told that there were \" concerns '' with my file and that my forbearance <em>appeared</em> to be not due to the COVID-19 pandemic and therefore the loan would need to be modified and more time was needed for that process."]},"sort":[10.408459,"4525409"]},{"_index":"complaint-public-v1","_id":"4881938","_score":10.11919,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Although notices have not been properly given to me, I discovered numerous inquiries to ChexSystems. None of these were made with my consent. There are many incorrect \" personal identity '' items on my ChexSystems credit report, which identity thieves can then use to \" identify themselves '' as me. ChexSystems uses personal identity information \" challenge '' questions to provide a credit report online. ChexSystems uses an address on XXXX XXXX in XXXX as one of the challenge questions I need to know the answer to in order to be \" identified. '' I have never lived anywhere near there. The address does not appear on my ChexSystems credit report and ChexSystems refuses to disclose the source of that challenge question so I can have it corrected. ChexSystems refuses to act on or respond to my written dispute from my attorney that was SIGNED BY ME AS WELL, demanding a notarized \" power of attorney ''. Although this is a matter of urgency and my attorney communicated to ChexSystems via fax, ChexSystems not only refuses to act, it sends its response by very slow regular mail rather than by fax or email. ChexSystems runs an online system that apparently allows automated inquiries. In every, or most, cases the inquiries are rejected -- this means both ChexSystems and the \" furnisher '' know that I, the consumer, did not consent to the inquiry. Nevertheless, they proceed to pad their credit data on me with false data they will not remove, and which can be exploited by identity thieves. This all takes place in the \" subprime '' market and the activity is not disclosed on the \" main 3 '' credit reporting agency reports and alerts. Finally, XXXX ( which did not have my consent to access my credit ) sent me a reject notice for \" my application '', disclosing to me that it had accessed ChexSystems. Additionally, there is no negative information in the ChexSystems report, but ChexSystems refuses to disclose the reason for the rating it sent to XXXX. Because FCRA requires my Identity Theft Report to contain the items that are false in order to demand they be blocked, I am including those in an upload attachment to this complaint. With respect to uploads, however, there is a discrepancy in CFPB instructions : ( 1 ) don't reveal personal information and ( 2 ) upload documents, letters, etc. related to the complaint.","date_sent_to_company":"2021-11-18T14:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95531","tags":null,"has_narrative":true,"complaint_id":"4881938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2021-11-06T18:31:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Although this is a matter of urgency and my attorney communicated to ChexSystems via fax, ChexSystems not only refuses to act, it <em>sends</em> its response by very slow <em>regular</em> <em>mail</em> rather than by fax or email. ChexSystems runs an online system that apparently allows automated inquiries. In every, or most, cases the inquiries are rejected -- this means both ChexSystems and the \" furnisher '' know that I, the consumer, did not consent to the inquiry."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[10.11919,"4881938"]},{"_index":"complaint-public-v1","_id":"4539718","_score":9.888604,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"American Express recent response to my complaint number XXXX, does not include the following : 1. American Express sent a letter, that I never received, through the XXXX XXXX XXXX, answering my CFPB complaint filed here CFPB Ref No : XXXX, also included another letter in response to the following CFPB complaint I filed because the problem was unsolved, just like now years after. CFPB Ref No : XXXX XXXX. \n\n2. American Express does not include anything about what I was complaining about in my complaints : By the time I filed my next complaint, after CFPB Ref No : XXXX XXXX, I was still complaining that American Express was reporting my faxes were not received by them at all, about American Express bad practices of calling from unknown phone numbers that do not appear at the cell phone bill statement land line phone statement, as shown in the included copy of my Consumer Response here, attached. \n\n3. American Express as well as the CFPB received evidence mainly through here at the C.F.P.B. on my part, that I was not going to answer unknown phone calls that do not appear on the cell phone statement or land line statement as coming from them, instead I kept using the CFPB, because I already made too many phone calls to them, and sent the faxes that by this date, and this was XX/XX/XXXX, was still reported as not received by American Express, no matter their included letter response, XX/XX/XXXX and XX/XX/XXXX dates, I was still reporting by those dates here at the CFPB that American Express was saying they did not had my faxes, no matter my online chats and phone calls to them. \n\n4. This letter also include evidence received yesterday, XX/XX/XXXX, as shown at the U.S.P.S. Informed Delivery website under my name and address, that American Express is still using regular mail to send letters to me. \nThey never used certified mail with me, those letters from the year XXXX might be authentic, but that does not prove that they actually sent those letters to me back then, I was still complaining here that they were reporting my faxes as not received. \n\n5. I am including evidence that the Mortgage Loan reported back then that was made by my Parents, was actually made, I even reported the exact way I was going to pay to them, which does not compare to their bad costumer service, which is no customer service at all : What was the problem they had, when they decided not to call to our Residence from an officially recognized American Express phone number that could be seen at the telephone or cell phone statements?. \nNot even that was granted by them, as if they were hiding something else. \nBut nobody did anything, including here at the CFPB. \n\n6. I will not accept their {$500.00} credit card as a repair regaining my membership, while they still keep my credit report unfairly damaged against the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.. I do not trust American Express criteria for determinations when they ignore this Laws, and also, basic things about good costumer service, as their XXXX XXXX XXXX too low consumer reviews ratings show, no matter the XXXX gives them A+. That is why we do not use the XXXX. anymore.","date_sent_to_company":"2021-07-13T17:59:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"00949","tags":null,"has_narrative":true,"complaint_id":"4539718","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-07-13T17:04:56.000Z","state":"PR","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Informed Delivery website under my name and address, that American Express is still using <em>regular</em> <em>mail</em> to <em>send</em> letters to me. \nThey never used certified <em>mail</em> with me, those letters from the year XXXX might be authentic, but that does not prove that they actually sent those letters to me back then, I was still complaining here that they were <em>reporting</em> my faxes as not received. \n\n5."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[9.888604,"4539718"]},{"_index":"complaint-public-v1","_id":"2961933","_score":9.6942,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Illegal practices and consumer reporting. Company uses third-party to harass you and terrible customer service! On XX/XX/2018, a stranger showed up at my home stating that he worked for a third party that handled Nissan accounts in Collections. He stated that he needed to connect me with Nissan to discuss my account. He refused to identify himself or the company he worked for and had documents with him that he would not let me see and would not allow me to contact Nissan myself. He called Nissan on his phone and I spoke with a rep who was rude and told me if my payments were made on time they would not have had to send anyone to my home. He stated that my payment was 45 days late and in collections and I told him that was false because I made a payment on XX/XX/2018 ( a few days late from my XX/XX/2018 due date ). He placed me on hold and came back about  5 minutes later and said they had sent me letters to my address and I explained that I never received those and that the payment I made in XX/XX/XXXX was for Principal & Interest and asked if that was what was causing my payment to appear late. He continued to talk over me. I asked if he could send me copies of the letters they supposedly sent and he refused. Finally, I was transferred to a supervisor who was much easier to communicate with. She confirmed that payments made to principal & interest don't reflect as a regular payment and was willing to reverse and post it as a regular payment so that the account could be caught up. I told her I only did it that way because I am upside down on the loan and want trying to refinance. Today XX/XX/18, I received alerts from XXXX indicating that Nissan has alerted them of my account being 30 days late. I was already planning to make a payment on XX/XX/18 for my XX/XX/XXXX payment ( due XX/XX/XXXX ) so I went to their website to set up the payment and decided to chat to ask about the inaccurate reporting. I chatted with a person named XXXX and explained my situation, advised that I would be paying the past due on today and he still would not assist me. Apparently, he could not see that while chatting with him I had set up the payment for XX/XX/XXXX to be drafted from my account. He asked me repeatedly if I would be taking care of the balance and each time I told him yes and copied and pasted confirmation of the payment made. After having him threaten to disconnect the chat twice, when I gave him confirmation of payment, he said he would forward my concerns to their Credit team and they would send me something in writing. This is unacceptable! First of all, the last time they \" sent me something in writing '', I did not receive it. I was not provided with any resolution or real support to address my concerns. He was very rude and disrespectful to me and did not show any signs of empathy or even wanting to assist me. Nissan illegally reported inaccurate information that will hurt my credit rating and scores I am working hard to improve. I want this fixed and I do not want to be given the runaround to reach a resolution. When I try to contact them and get help they clearly show that they do not care and because your account is only a few days late they treat you poorly and make comments like \" Well if you had paid your bill or if you pay on time ''. I live off of an income that allows me to pay my rent and bills when I get paid. I do not purposely pay late. I have never had to deal with anything like this, ever. I have worked in finance and customer service for years and never treated anyone to this standard. With today 's economy and the world that we live in you would think that they would try to put themselves in the consumers shoes and be a bit more understanding but unfortunately that's not the case. I hope that I can get out of this loan with Nissan and refinance my car with my credit union. I need them to fix my credit reporting immediately within less than 30 days. I need confirmation of the error sent to me in writing to my home address and to all three credit reporting agencies and also via e-mail to XXXX to ensure delivery.","date_sent_to_company":"2018-07-13T14:06:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"2961933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2018-07-13T13:58:25.000Z","state":"NC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I need them to fix my credit <em>reporting</em> immediately within less than 30 days. 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