{"took":579,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3361,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3368914","_score":15.7611065,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint Number XXXXStep 1What product or service is your complaint about?Step 2What type of problem are you having?(https://www.consumerfinance.gov/)Submit a complaint / Complaint filedPRODUCT OR SERVICECredit card or prepaid cardTYPEGeneral-purpose credit card or charge cardISSUEProblem with a purchase shown on your statementHAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?YesTYPE OF ISSUECredit card company isn't resolving a dispute about a purchase on your statementXX/XX/ Complaint Printhttps://complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print?sessionid=XXXX... XXXXStep 3What happened?Last month the above took out a debt consolidation loan with a company by the name ofXXXX XXXX account was approved for XXXX as a line of credit and about the 25th of last\n\nmonth the above issued check from his XXXX account in the amount of $XXXX. mailedthe check with his monthly credit card statement to XXXX less than 48 hours XXXX hadcredited the amount of the check to the above credit card and available balance , afterabout 10 days there became a problem with that check that was deposited and then whenthe above made contact with XXXX XXXX XXXX to ask them why they did not Institute aHold on said check in order to verify funds before accrediting my account they said they donot verify checks, after speaking with my account representative at XXXX XXXX   heinforms me that after XX/XX/XXXX With XXXX XXXX XXXX problem all federal and state institutionsare required to verify accounts if they are above $1000. Therefore if XXXX had placed ahold on said check and then said check had a problem then the only issue between thecustomer and the bank would be a returned check fee not a account overdrawn fee?XXXX XXXX feels XXXX  is negligent and therefore XXXX feels that they do nothave to pay for XXXX  mistakesWhat would be a fair resolution to this issue?no fees and no negative information on credit filesStep 4What company is this complaint about? I want the CFPB to publish this description on consumerfinance.gov","date_sent_to_company":"2019-09-10T12:27:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34472","tags":null,"has_narrative":true,"complaint_id":"3368914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-09-10T12:16:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Number XXXXStep 1What product or service is your <em>complaint</em> <em>about</em>?Step 2What type of <em>problem</em> are you having?(https://www.consumerfinance.gov/)Submit a <em>complaint</em> / <em>Complaint</em> filedPRODUCT OR SERVICECredit <em>card</em> or prepaid <em>card</em>TYPEGeneral-purpose <em>credit</em> <em>card</em> or charge <em>card</em>ISSUEProblem with a purchase shown on your statementHAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY?"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.7611065,"3368914"]},{"_index":"complaint-public-v1","_id":"3790354","_score":15.044972,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received a card for unemployment benefits. I'm still working and never applied. They said they closed it but I am still getting mail about the benefits. \n\nThank you for participating in our complaint process. This complaint is now closed. \n\nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit card or prepaid card ISSUE Problem getting a card or closing an account","date_sent_to_company":"2020-08-11T21:55:35.000Z","issue":"Problem getting a card or closing an account","sub_product":"Government benefit card","zip_code":"19124","tags":null,"has_narrative":true,"complaint_id":"3790354","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2020-08-11T21:50:47.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Don't want a card provided by your employer or the government"},"highlight":{"complaint_what_happened":["I received a <em>card</em> for unemployment benefits. I'm still working and never applied. They said they closed it but I am still getting mail <em>about</em> the benefits. \n\nThank you for participating in our <em>complaint</em> process. This <em>complaint</em> is now closed. \n\n<em>COMPLAINT</em> ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT <em>Credit</em> <em>card</em> or prepaid <em>card</em> ISSUE <em>Problem</em> getting a <em>card</em> or closing an account"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Problem</em> getting a <em>card</em> or closing an account"],"sub_product":["Government benefit <em>card</em>"],"sub_issue":["Don't want a <em>card</em> provided by your employer or the government"]},"sort":[15.044972,"3790354"]},{"_index":"complaint-public-v1","_id":"15589916","_score":14.91109,"_source":{"product":"Credit card","complaint_what_happened":"I have a XXXX credit card. When contacting XXXX about an issue with XXXX of their card carriers you are routed back to the card carrier. It would appear that there is no oversight by XXXX over their card carriers. There are numerous problems that my credit card company creates that shouldnt be happening. XXXX involved with people that are trying to thwart the overthrow of our government. The problems I have encountered could be directed at me specifically. If your office has investigators that work on complaints please have XXXX of them contact me at ( XXXX ) XXXX.","date_sent_to_company":"2025-08-28T14:05:27.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"15589916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-08-28T13:49:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I have a XXXX <em>credit</em> <em>card</em>. When contacting XXXX <em>about</em> an issue with XXXX of their <em>card</em> carriers you are routed back to the <em>card</em> carrier. It would appear that there is no oversight by XXXX over their <em>card</em> carriers. There are numerous <em>problems</em> that my <em>credit</em> <em>card</em> company creates that shouldnt be happening. XXXX involved with people that are trying to thwart the overthrow of our government. The <em>problems</em> I have encountered could be directed at me specifically."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Other <em>problem</em>"]},"sort":[14.91109,"15589916"]},{"_index":"complaint-public-v1","_id":"17361013","_score":14.73194,"_source":{"product":"Credit card","complaint_what_happened":"Not allowed to XXXX down principle all xtra payments are being directed to intrest regardless of how I want to apply it YOUR COMPLAINT I have an Upstart Account if you look I pay well over the amount which is inexcess of XXXX a month for a Credit card not loan I asked to pay of the principle balance I was told that I was not allowed to I have cintinued to pay this high payment instead of 2 % of the credit balance I am being ask to pay well over 35 % this is the payment of car not a credit card they are and have been stealing from me help or I will file suite Attachments XXXX ( 3 KB ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit card TYPE General-purpose credit card or charge card What type of problem are you having? \n\nIssue Fees or interest and payments Have you already tried to fix this problem with the company? \nNO Did you request information from the company? \nYES Type of Issue Problem with fees and payments","date_sent_to_company":"2025-11-19T21:16:16.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"782XX","tags":null,"has_narrative":true,"complaint_id":"17361013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2025-11-19T21:10:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>card</em> TYPE General-purpose <em>credit</em> <em>card</em> or charge <em>card</em> What type of <em>problem</em> are you having? \n\nIssue Fees or interest and payments Have you already tried to fix this <em>problem</em> with the company? \nNO Did you request information from the company? \nYES Type of Issue <em>Problem</em> with fees and payments"],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Problem</em> when making payments"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Problem</em> during payment process"]},"sort":[14.73194,"17361013"]},{"_index":"complaint-public-v1","_id":"12591621","_score":14.673556,"_source":{"product":"Credit card","complaint_what_happened":"The Problem is over a previous dispute ( Complaint ID XXXX ) I had with XXXX XXXX XXXX XXXX for a service I no longer wanted to my Citi Rewards credit card. When I initially received the charge on my Citi card for {$140.00} from XXXX, I called them up about the charges and they told me they would take care of the charges. To my surprise they billed me again for the same amount to my Citi card. I contacted Citi card about this, and they are giving me a hard time over this billing problem. It seems that they are telling me that they reversed the charge for the initial charge of {$140.00} but are trying to tell me the second charge of {$140.00} plus a {$30.00}. fee is from something else. If you would help me resolve this problem once and for all I would appreciate it. Sincerely, XXXX XXXX","date_sent_to_company":"2025-03-21T20:37:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"85053","tags":null,"has_narrative":true,"complaint_id":"12591621","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-03-21T19:56:15.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The <em>Problem</em> is over a previous dispute ( <em>Complaint</em> ID XXXX ) I had with XXXX XXXX XXXX XXXX for a service I no longer wanted to my Citi Rewards <em>credit</em> <em>card</em>. When I initially received the charge on my Citi <em>card</em> for {$140.00} from XXXX, I called them up <em>about</em> the charges and they told me they would take care of the charges. To my surprise they billed me again for the same amount to my Citi <em>card</em>. I contacted Citi <em>card</em> <em>about</em> this, and they are giving me a hard time over this billing <em>problem</em>."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Problem</em> with a purchase shown on your statement"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute <em>about</em> a purchase on your statement"]},"sort":[14.673556,"12591621"]},{"_index":"complaint-public-v1","_id":"4094243","_score":14.567407,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On or about XX/XX/2021 I submitted a complaint to cfpb about my Capital One credit card charge. Complaint No. XXXX. After this complaint was submitted to Cap One they responded stating that they investigated the claim and that I benefited from this fraudulent purchase. \nThe problem here is that the credit card company has provided NO EVIDENCE that I purchased these services. No signature, no copy of the charge slip, no surveillance that I was even in XXXX, XXXX the day the purchase was made. \nIf Capital One offers fraud protection like they claim in their advertisements, why are they blowing off my complaint? It appears that they are lying about providing fraud protection since they have failed to fully investigate this claim.","date_sent_to_company":"2021-01-26T17:37:58.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"84770","tags":null,"has_narrative":true,"complaint_id":"4094243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-01-26T17:14:48.000Z","state":"UT","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On or <em>about</em> XX/XX/2021 I submitted a <em>complaint</em> to cfpb <em>about</em> my Capital One <em>credit</em> <em>card</em> charge. <em>Complaint</em> No. XXXX. After this <em>complaint</em> was submitted to Cap One they responded stating that they investigated the claim and that I benefited from this fraudulent purchase. \nThe <em>problem</em> here is that the <em>credit</em> <em>card</em> company has provided NO EVIDENCE that I purchased these services. No signature, no copy of the charge slip, no surveillance that I was even in XXXX, XXXX the day the purchase was made."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Problem</em> with a purchase shown on your statement"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute <em>about</em> a purchase on your statement"]},"sort":[14.567407,"4094243"]},{"_index":"complaint-public-v1","_id":"4565843","_score":14.528346,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have a new Citi credit card. Initially the card didn't work because Citi wanted to verify my social security number. I submitted the documents they required and within a few weeks the card began working. Shortly though, the card began declining charges again. This is a new problem with the same credit card. THIS IS NOT ABOUT THE SAME ISSUE AS MY PREVIOUS COMPLAINT.","date_sent_to_company":"2021-07-23T16:53:50.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"395XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4565843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-07-23T16:46:22.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I have a new Citi <em>credit</em> <em>card</em>. Initially the <em>card</em> didn't work because Citi wanted to verify my social security number. I submitted the documents they required and within a few weeks the <em>card</em> began working. Shortly though, the <em>card</em> began declining charges again. This is a new <em>problem</em> with the same <em>credit</em> <em>card</em>. THIS IS NOT <em>ABOUT</em> THE SAME ISSUE AS MY PREVIOUS <em>COMPLAINT</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Trouble using your <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't use <em>card</em> to make purchases"]},"sort":[14.528346,"4565843"]},{"_index":"complaint-public-v1","_id":"4078926","_score":14.503921,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"citi has decreased my credit limit from about {$15000.00} to {$500.00} only because I have paid the us postal service adress change {$100.00} with the citi card and their non sense programs have blocked the card for further use, during the holiday season, from about XX/XX/2020 up to today the card was not usable because they have placed a block on the card simply because I used the card to pay {$100.00} they have decreased the credit limit but their complaints are increasing There are many online complaints for the same citi non sense : cards are bocked when used and credit limits are decreased when card are used citi cards can be requested, but no one have to use the cards, otherwise they will block them there are many stories about their fraud non sense department and their psychological problems","date_sent_to_company":"2021-01-19T22:06:21.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4078926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-01-19T21:45:01.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["<em>complaints</em> for the same citi non sense : cards are bocked when used and <em>credit</em> limits are decreased when <em>card</em> are used citi cards can be requested, but no one have to use the cards, otherwise they will block them there are many stories <em>about</em> their fraud non sense department and their psychological <em>problems</em>"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Trouble using your <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't use <em>card</em> to make purchases"]},"sort":[14.503921,"4078926"]},{"_index":"complaint-public-v1","_id":"5579556","_score":14.333217,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Sams Club credit card. Serviced by Synchrony Bank.\n\nSynchrony Bank keeps sending me alerts about a Sams Club Mastercard card number that is not even mine. \nI have called them three times now. Only to be told they do not see a problem at their end so there is nothing they can do about it. \nI finally told them I was filing a complaint with the CFPB.","date_sent_to_company":"2022-05-19T17:53:22.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"92028","tags":"Older American","has_narrative":true,"complaint_id":"5579556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-05-19T17:35:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["Sams Club <em>credit</em> <em>card</em>. Serviced by Synchrony Bank.\n\nSynchrony Bank keeps sending me alerts <em>about</em> a Sams Club Mastercard <em>card</em> number that is not even mine. \nI have called them three times now. Only to be told they do not see a <em>problem</em> at their end so there is nothing they can do <em>about</em> it. \nI finally told them I was filing a <em>complaint</em> with the CFPB."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Problem</em> with customer service"]},"sort":[14.333217,"5579556"]},{"_index":"complaint-public-v1","_id":"3893399","_score":14.289345,"_source":{"product":"Debt collection","complaint_what_happened":"This is not a duplicate complaint about fraud but the complaint is about the cards payment policy that assist the thief when card is unknowingly stolen. Unlike when you deposit into your bank ; there isnt a hold on a payment and credit card companies instantly make payments available. Discover allowed three deposits totaling {$11000.00} in succession using the same bank and all payments made and bounced in a 10-day period. I can understand one, but 3 payments on the same card using the same bank account and that quickly??\n\nDiscover blames me but payments are out of my control. Credit Card companies give you a credit limit but do not protect the owner nor adhere to the credit limit. The more that is spent on a card ; the more money a credit card company makes so any problems and it is easier to blame the card holder.","date_sent_to_company":"2020-10-11T19:13:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"77494","tags":"Older American","has_narrative":true,"complaint_id":"3893399","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2020-10-11T19:11:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["This is not a duplicate <em>complaint</em> <em>about</em> fraud but the <em>complaint</em> is <em>about</em> the cards payment policy that assist the thief when <em>card</em> is unknowingly stolen. Unlike when you deposit into your bank ; there isnt a hold on a payment and <em>credit</em> <em>card</em> companies instantly make payments available. Discover allowed three deposits totaling {$11000.00} in succession using the same bank and all payments made and bounced in a 10-day period."],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[14.289345,"3893399"]},{"_index":"complaint-public-v1","_id":"3765116","_score":14.20893,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Federal Trade Commission : I want to make a complaint against my former credit card company. \nBackground : My previous credit card company was XXXX. \nDuring about 10 years of using that credit card, there were no late penalties or any problems. I also had set up auto-pay. \n\nIn late 2019, the XXXX credit card was taken over by Citi. Thats when the problems started. Though I had transferred and/or retained my auto-pay arrangement, I later received a bill with late charges. \n\nI protested and kept contacting the credit card holder, but my protests were essentially ignored. ( XXXX ) I dont think the credit card company handled this matter in a fair way, and making a complaint. The card company erred by not putting my auto-pay arrangement into effect. It also erred by adding left fees on top of the balance. \n\nYours truly, XXXX XXXX XXXX","date_sent_to_company":"2020-07-26T12:59:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"3765116","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-07-26T12:52:46.000Z","state":"MI","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":["XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Federal Trade Commission : I want to make a <em>complaint</em> against my former <em>credit</em> <em>card</em> company. \nBackground : My previous <em>credit</em> <em>card</em> company was XXXX. \nDuring <em>about</em> 10 years of using that <em>credit</em> <em>card</em>, there were no late penalties or any <em>problems</em>. I also had set up auto-pay. \n\nIn late 2019, the XXXX <em>credit</em> <em>card</em> was taken over by Citi. Thats when the <em>problems</em> started."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Problem</em> with a purchase shown on your statement"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute <em>about</em> a purchase on your statement"]},"sort":[14.20893,"3765116"]},{"_index":"complaint-public-v1","_id":"11872910","_score":14.177545,"_source":{"product":"Credit card","complaint_what_happened":"I recently filed a complaint with Macys because I was getting credit card information for XXXX XXXX. No one by that name lives at my address. Macys stated that they corrected the problem. They did not. I continue to receive credit card information for this person. I am concerned about the impact on my credit, my address and the lien on my home.","date_sent_to_company":"2025-01-31T21:24:40.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"21212","tags":"Older American","has_narrative":true,"complaint_id":"11872910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-01-31T21:14:17.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["I recently filed a <em>complaint</em> with Macys because I was getting <em>credit</em> <em>card</em> information for XXXX XXXX. No one by that name lives at my address. Macys stated that they corrected the <em>problem</em>. They did not. I continue to receive <em>credit</em> <em>card</em> information for this person. I am concerned <em>about</em> the impact on my <em>credit</em>, my address and the lien on my home."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[14.177545,"11872910"]},{"_index":"complaint-public-v1","_id":"9117261","_score":14.119778,"_source":{"product":"Credit card","complaint_what_happened":"I sent a complaint to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I was given instructions to contact the Consumer Financial Protection Bureau about the same complaint in refer to my New XXXX credit card account. I am unable to call them because on the caller ID the phone number shows Scam. I lost the new card and my bill is due soon. When I attempt to sign in by internet it shows I'm logged in then ask me to log in again to my account to view credi card payment information. Each attempt I am not given access to log in. My problem is the caller ID shows a suspicion of fraud and I am unable to contact XXXX about the lost credit card.","date_sent_to_company":"2024-06-10T18:40:49.000Z","issue":"Struggling to pay your bill","sub_product":"Store credit card","zip_code":"46218","tags":null,"has_narrative":true,"complaint_id":"9117261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-05-28T17:30:39.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company won't work with you while you're going through financial hardship"},"highlight":{"complaint_what_happened":["My <em>problem</em> is the caller ID shows a suspicion of fraud and I am unable to contact XXXX <em>about</em> the lost <em>credit</em> <em>card</em>."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company won't work with you while you're going through financial hardship"]},"sort":[14.119778,"9117261"]},{"_index":"complaint-public-v1","_id":"15500513","_score":14.084094,"_source":{"product":"Credit card","complaint_what_happened":"This is still in line to my complaint on the cash rewards with my XXXX credit card with the COMENITY Capital Bank. They responded through you about having problem with my checking bank account has problem which was the reason for not sending my claimed cash rewards of over XXXX US dollars. They got it everything and in fact that checking bank account has been my listed mode of payment with them. Additionally, they hang my last calls to inquire about the status of such claim. I could not force them to give me my cash rewards as they are rewards but at least I let the right government agency know. Same as what I already told you I have decided to close this credit card after settling my existing balance.","date_sent_to_company":"2025-08-25T17:56:01.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"77049","tags":null,"has_narrative":true,"complaint_id":"15500513","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-08-25T17:39:00.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["This is still in line to my <em>complaint</em> on the cash rewards with my XXXX <em>credit</em> <em>card</em> with the COMENITY Capital Bank. They responded through you <em>about</em> having <em>problem</em> with my checking bank account has <em>problem</em> which was the reason for not sending my claimed cash rewards of over XXXX US dollars. They got it everything and in fact that checking bank account has been my listed mode of payment with them. Additionally, they hang my last calls to inquire <em>about</em> the status of such claim."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Problem</em> with rewards from <em>credit</em> <em>card</em>"]},"sort":[14.084094,"15500513"]},{"_index":"complaint-public-v1","_id":"6058349","_score":14.03168,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Fortiva continues to not report my credit card data to all three credit!! This has been in existence for 17 months! Fortiva refuses to try to understand and or do anything about it! \nI have submitted complaints and Fortiva lies and says they have been working on the problem! They have not! My account is not even a tradeline for XXXX or XXXX! They just ignore this and as I continue to point out that updating a non-existent is not working! They have to establish Fortiva as a Tradeline for those bureaus but refuses to do anything about the problem! Can you please help me this time?","date_sent_to_company":"2022-10-06T17:27:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"22980","tags":"Older American","has_narrative":true,"complaint_id":"6058349","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2022-10-06T17:09:05.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Fortiva continues to not report my <em>credit</em> <em>card</em> data to all three <em>credit</em>!! This has been in existence for 17 months! Fortiva refuses to try to understand and or do anything <em>about</em> it! \nI have submitted <em>complaints</em> and Fortiva lies and says they have been working on the <em>problem</em>! They have not! My account is not even a tradeline for XXXX or XXXX! They just ignore this and as I continue to point out that updating a non-existent is not working!"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.03168,"6058349"]},{"_index":"complaint-public-v1","_id":"3698009","_score":13.855668,"_source":{"product":"Debt collection","complaint_what_happened":"Hello i had problems with this card company and filed a complaint about the with cfpb # XXXX and now with no notice, we find out that another company reported it on my credit they never sent us any notice what so ever and have not allowed us our due process this is a secured card that has been paid they are killing us with late fees and the penalty for no reason","date_sent_to_company":"2020-06-13T19:25:08.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"30047","tags":null,"has_narrative":true,"complaint_id":"3698009","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JTM Capital Management, LLC","date_received":"2020-06-13T19:14:37.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Hello i had <em>problems</em> with this <em>card</em> company and filed a <em>complaint</em> <em>about</em> the with cfpb # XXXX and now with no notice, we find out that another company reported it on my <em>credit</em> they never sent us any notice what so ever and have not allowed us our due process this is a secured <em>card</em> that has been paid they are killing us with late fees and the penalty for no reason"],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[13.855668,"3698009"]},{"_index":"complaint-public-v1","_id":"3751514","_score":13.840299,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I filed a complaint on XX/XX/20 regarding the problem with a Home Depot card that is handled by Citibank. They have not straightened this out. They are telling me that the other fraud charge is still outstanding and there is a payment coming due. They are still showing the balance due on my credit report and giving us the run around about removing it from our credit report. The original complaint number was XXXX.","date_sent_to_company":"2020-07-18T06:32:29.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"32940","tags":"Servicemember","has_narrative":true,"complaint_id":"3751514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-07-18T02:23:11.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I filed a <em>complaint</em> on XX/XX/20 regarding the <em>problem</em> with a Home Depot <em>card</em> that is handled by Citibank. They have not straightened this out. They are telling me that the other fraud charge is still outstanding and there is a payment coming due. They are still showing the balance due on my <em>credit</em> report and giving us the run around <em>about</em> removing it from our <em>credit</em> report. The original <em>complaint</em> number was XXXX."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Problem</em> with a purchase shown on your statement"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute <em>about</em> a purchase on your statement"]},"sort":[13.840299,"3751514"]},{"_index":"complaint-public-v1","_id":"4063470","_score":13.832548,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I've been having problems with over draft fees and account problems for over five years and have paid off the fees no problem with fraud issues throughout that time. in beginning of XX/XX/2020 with the coronavirus pandemic. I opened up a credit card to protect my id and towards the end of XXXX I closed it down. I asked Bank of America how can I cancel my card. I went into a branch office to close this account and spoke to a consultant they said pay off the balance and close the account, so I did. anyways XXXX or XXXX of 2020 I got an email from this account saying i am delinquent in my payments so i called the fraud department at bank of america to talk to them about my credit card account and explained it to them for 2 and a half hours on the phone to talk about my issues. the fraud department said they would look into it and call me back or send me a text message regarding the problems with my credit card account i closed in XXXX. in XXXX or XXXX of 2020 I got an email telling me that they sent me to collections. well my dad sold his house. i was trying to rent a house/apartment. i passed the background check and also had the income to rent the property. So I was denied credit. meanwhile I live with my dad and my XXXX children. so with my bad credit I was denied housing. so now I have to file a identity theft complaint and credit card theft so i can get my good name back. this problem needs to be solved. thank you. XXXX XXXX","date_sent_to_company":"2021-01-12T21:14:29.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4063470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-01-12T20:34:55.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["So I was denied <em>credit</em>. meanwhile I live with my dad and my XXXX children. so with my bad <em>credit</em> I was denied housing. so now I have to file a identity theft <em>complaint</em> and <em>credit</em> <em>card</em> theft so i can get my good name back. this <em>problem</em> needs to be solved. thank you. XXXX XXXX"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[13.832548,"4063470"]},{"_index":"complaint-public-v1","_id":"2698717","_score":13.737444,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Complaint Capital One Credit Card What is this complaint about? Charged off account XXXX for missed payment, I told them that I could not make payment on time because of Hurricane Irma, I live in Florida. \nWhat type of problem are you having? I paid my bill for XXXX XXXX, I was told by Capital one that XXXX account could not go 180 days past due without payment, so I made a payment on XXXX XXXX. I received an email stating making a payment of {$88.00} to keep your account from charged off, so I paid {$90.00}. Copy attached to this complaint. \nWhat Happened? Capital one Charged account off, stated that the reason the account charged off was because there was not activity, or payments made in 180 days. \nWhat company is this complaint about? Capital One Credit Card Who are the people involved? Capital One Credit Card Thank You","date_sent_to_company":"2017-10-11T14:26:05.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"32210","tags":null,"has_narrative":true,"complaint_id":"2698717","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-10-11T14:09:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Copy attached to this <em>complaint</em>. \nWhat Happened? Capital one Charged account off, stated that the reason the account charged off was because there was not activity, or payments made in 180 days. \nWhat company is this <em>complaint</em> <em>about</em>? Capital One <em>Credit</em> <em>Card</em> Who are the people involved? Capital One <em>Credit</em> <em>Card</em> Thank You"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[13.737444,"2698717"]},{"_index":"complaint-public-v1","_id":"16746927","_score":13.718912,"_source":{"product":"Credit card","complaint_what_happened":"At XXXX pm XXXX XX/XX/XXXX Phone : XXXX Who : synchrony Bank Account number : XXXX card : XXXX XXXX ( closed ) Transaction amount : XXXX My complaint is with synchrony Bank who did a transaction with XXXX of their lower tier credit card companies on a close account that is attached to XXXX 's Club. This is my complaint XXXXXXXX XXXX  knowly charged it XXXX dollars running the XXXXXXXX XXXX into the negative which had XXXX ( my complaint is not with XXXXXXXX XXXX  ) my problem is with synchrony bank for running transaction on a low balance in chase bank. After calling the number that it's associated with XXXX 's Club for this phantom transaction which is attached to synchrony Bank credit card division I spoke to an XXXX, first and then her his supervisor XXXX, and instead of fixing my problem they told me to call back or they will call me back in XXXX hours about this phantom transaction, also XXXX refused to use phone number that I was speaking from and refused to use an alternative. I asked for a supervisors then XXXX did not correct XXXX mistake instead she lean in with disrespectful speech arguing about my word choice using her banking technical jargon. All over a transaction that they could've fixed less than XXXX","date_sent_to_company":"2025-10-22T20:27:38.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"38016","tags":"Servicemember","has_narrative":true,"complaint_id":"16746927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-10-22T19:51:38.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["At XXXX pm XXXX XX/XX/XXXX Phone : XXXX Who : synchrony Bank Account number : XXXX <em>card</em> : XXXX XXXX ( closed ) Transaction amount : XXXX My <em>complaint</em> is with synchrony Bank who did a transaction with XXXX of their lower tier <em>credit</em> <em>card</em> companies on a close account that is attached to XXXX 's Club."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Problem</em> with a purchase shown on your statement"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[13.718912,"16746927"]},{"_index":"complaint-public-v1","_id":"3859254","_score":13.713421,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian lowered my credit by almost 70 points for a credit check I never authorized from the XXXX Bank I do not bank with XXXX, and I never asked XXXX Bank to conduct a credit check with my credit. \n\nI contacted the XXXX bank about a few months ago, and some lady informed me that someone tried to apply for an XXXX Credit card on the XXXX website in my name. \n\nWhen I contacted Experian, and sent in all requested documents with a complaint form asking them to fix this problem and the credit application I never applied for. \nThey asked me to send in a complaint form, copy of an existing bill with my name on it, copy of a government I.D., and a copy of the credit problem or error. \nTheir version of fixing the problem was raising the FICO score by 2 points. \n\n\nThey refuse to fix the problem, and I can not get through to anyone over the phone anymore. \n\nExperian has allowed an unauthored use of my credit report for a credit check I never asked for. They have not fixed the problem with the false use of credit or credit application is reported to them! \n\nI feel Experian obviously does not care about people. \n\nMost of all Experian refuses to divulge how they calculate FICO scores for people. \nI believe there is some kind of corrupt practice Experian is using against people!","date_sent_to_company":"2020-09-28T15:59:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85085","tags":"Servicemember","has_narrative":true,"complaint_id":"3859254","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-09-22T16:33:18.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Experian lowered my <em>credit</em> by almost 70 points for a <em>credit</em> check I never authorized from the XXXX Bank I do not bank with XXXX, and I never asked XXXX Bank to conduct a <em>credit</em> check with my <em>credit</em>. \n\nI contacted the XXXX bank <em>about</em> a few months ago, and some lady informed me that someone tried to apply for an XXXX <em>Credit</em> <em>card</em> on the XXXX website in my name."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> reporting company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.713421,"3859254"]},{"_index":"complaint-public-v1","_id":"2698327","_score":13.705494,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am so sick of complaint about Equifax 1st problem. I had an old address deleted sometime ago as I have not lived there in 8 years. XXXX XXXX XXXX is not my address and needs to be deleted as it has been at least 5 times and the continue adding it back. None of my creditors add this address. AND NO I DO NOT WANT A UNASKED FOR FRAUD ALERT. I WANT THE ADDRESS DELETED AS I AM AFRAID OF IDENTITY THEFT FROM A FAMILY MEMBER 2nd problem. I am unable to Pull a FiCO Score from XXXX and they are telling me it is a problem with Equifax not reporting correctly. \n\n3rd problem. They are refusing to add a XXXX XXXX credit card that XXXX and XXXX both report that I am an authorized user on My HUSBANDS CARD. I want this ADDED to My file ASAP. \n\nThank you!","date_sent_to_company":"2017-10-11T05:07:05.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"29483","tags":"Servicemember","has_narrative":true,"complaint_id":"2698327","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-11T00:58:06.000Z","state":"SC","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I am unable to Pull a FiCO Score from XXXX and they are telling me it is a <em>problem</em> with Equifax not reporting correctly. \n\n3rd <em>problem</em>. They are refusing to add a XXXX XXXX <em>credit</em> <em>card</em> that XXXX and XXXX both report that I am an authorized user on My HUSBANDS <em>CARD</em>. I want this ADDED to My file ASAP. \n\nThank you!"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other <em>problem</em> getting your report or <em>credit</em> score"]},"sort":[13.705494,"2698327"]},{"_index":"complaint-public-v1","_id":"3804692","_score":13.623974,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Chase bank is refusing to send my credit reports to the credit bureau because my last name is just a single letter. \n\nI've been using the credit cards from Chase for many years and they never sent me any notification regarding to it, I only found out about this because I checked on my credit scores recently and called them about this issue. I've filed a complaint with Chase regarding to this, and I was told that because my last name is a single letter and it is not the letter 'XXXX  ', Chase would not send my credit reports to the credit bureau. They ended my complaint without giving any proper justification nor any actionable item to fix the issue. \n\nI've also called the credit bureaus ( XXXX  and XXXX  ) and they have confirmed that their systems have no problem taking single letter last name. I then opened up a credit card with XXXX XXXX  and they have no problem sending my credit reports to the credit bureau. So this confirms the problem is on the Chase side.","date_sent_to_company":"2020-08-20T06:30:11.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"11228","tags":null,"has_narrative":true,"complaint_id":"3804692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-08-20T01:57:04.000Z","state":"NY","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I then opened up a <em>credit</em> <em>card</em> with XXXX XXXX  and they have no <em>problem</em> sending my <em>credit</em> reports to the <em>credit</em> bureau. So this confirms the <em>problem</em> is on the Chase side."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other <em>problem</em> getting your report or <em>credit</em> score"]},"sort":[13.623974,"3804692"]},{"_index":"complaint-public-v1","_id":"1952880","_score":13.61366,"_source":{"product":"Credit card","complaint_what_happened":"In XXXX, 2016, I submitted complaints to both Bank of America and XXXX about the fact that Bank of America was not reporting the balance on my XXXX XXXX card correctly. \n\nRather than fixing the real problem, all that Bank of America has done to date is not report the card/account to XXXX. It has always been a credit account in good standing. At this point, this is causing me financial damage in that it is preventing me from obtaining better credit terms.","date_sent_to_company":"2016-06-03T14:13:02.000Z","issue":"Other","sub_product":null,"zip_code":"225XX","tags":null,"has_narrative":true,"complaint_id":"1952880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-06-03T14:13:01.000Z","state":"VA","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":["In XXXX, 2016, I submitted <em>complaints</em> to both Bank of America and XXXX <em>about</em> the fact that Bank of America was not reporting the balance on my XXXX XXXX <em>card</em> correctly. \n\nRather than fixing the real <em>problem</em>, all that Bank of America has done to date is not report the <em>card</em>/account to XXXX. It has always been a <em>credit</em> account in good standing. At this point, this is causing me financial damage in that it is preventing me from obtaining better <em>credit</em> terms."],"product":["<em>Credit</em> <em>card</em>"]},"sort":[13.61366,"1952880"]},{"_index":"complaint-public-v1","_id":"2565122","_score":13.5945215,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Case number XXXX is being referenced as prior complaint with your agency regarding the same company Synchrony Bank and TJX Rewards card which you say is closed. However, there was no resolution to this problem by the company. This company continues to harass me because I order pet medications from XXXX XXXX XXXX. I placed an order over the phone yesterday for {$240.00} and almost immediately got a call from Synchrony which I returned. I wanted to know what their problem was because this had already been discussed with a supervisor when I filed the above named case about the same matter. Synchrony denied my purchase with XXXX XXXX XXXX. I have a number of past credit card statements where I have purchased this over and over and it was not denied. I have never been late, always pay my entire balance on the card. You people did not do anything for me before so what are you going to do about it now because it is a forever problem. I have a right to use my credit card to buy what I want within the limits of my card. No other bank does this when I make a purchase. I have a credit score of XXXX and these people are idiots. I do n't understand why you let them get away with this. I am furious!","date_sent_to_company":"2017-07-04T13:31:14.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"27616","tags":"Older American","has_narrative":true,"complaint_id":"2565122","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-07-04T13:07:15.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["You people did not do anything for me before so what are you going to do <em>about</em> it now because it is a forever <em>problem</em>. I have a right to use my <em>credit</em> <em>card</em> to buy what I want within the limits of my <em>card</em>. No other bank does this when I make a purchase. I have a <em>credit</em> score of XXXX and these people are idiots. I do n't understand why you let them get away with this. I am furious!"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Trouble using your <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't use <em>card</em> to make purchases"]},"sort":[13.5945215,"2565122"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3361,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3361}]}},"product":{"doc_count":3361,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid card","doc_count":908,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":731},{"key":"Store credit card","doc_count":129},{"key":"General-purpose prepaid card","doc_count":23},{"key":"Government benefit card","doc_count":22},{"key":"Gift card","doc_count":2},{"key":"Payroll card","doc_count":1}]}},{"key":"Credit card","doc_count":666,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":449},{"key":"Store credit card","doc_count":65}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":460,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":430},{"key":"Other personal consumer report","doc_count":16},{"key":"Credit repair services","doc_count":14}]}},{"key":"Checking or savings account","doc_count":396,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":325},{"key":"Other banking product or service","doc_count":38},{"key":"Savings account","doc_count":30},{"key":"CD (Certificate of Deposit)","doc_count":3}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":264,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":257},{"key":"Other personal consumer report","doc_count":7}]}},{"key":"Debt collection","doc_count":239,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":139},{"key":"Other debt","doc_count":43},{"key":"I do not know","doc_count":19},{"key":"Credit card","doc_count":8},{"key":"Other (i.e. phone, health club, etc.)","doc_count":8},{"key":"Medical debt","doc_count":6},{"key":"Auto debt","doc_count":4},{"key":"Medical","doc_count":3},{"key":"Payday loan debt","doc_count":3},{"key":"Private student loan debt","doc_count":2},{"key":"Auto","doc_count":1},{"key":"Mortgage","doc_count":1},{"key":"Rental debt","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":105,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":51},{"key":"Domestic (US) money transfer","doc_count":23},{"key":"Virtual currency","doc_count":15},{"key":"International money transfer","doc_count":11},{"key":"Money order, traveler's check or cashier's check","doc_count":2},{"key":"Check cashing service","doc_count":1},{"key":"Debt settlement","doc_count":1},{"key":"Traveler's check or cashier's check","doc_count":1}]}},{"key":"Mortgage","doc_count":104,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":49},{"key":"FHA mortgage","doc_count":17},{"key":"VA mortgage","doc_count":10},{"key":"Home equity loan or line of credit (HELOC)","doc_count":9},{"key":"Other type of mortgage","doc_count":9},{"key":"Conventional fixed mortgage","doc_count":4},{"key":"Reverse mortgage","doc_count":3},{"key":"Manufactured home loan","doc_count":2},{"key":"Other mortgage","doc_count":1}]}},{"key":"Bank account or service","doc_count":50,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":28},{"key":"Other bank product/service","doc_count":15},{"key":"Savings account","doc_count":7}]}},{"key":"Credit reporting","doc_count":34,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Student loan","doc_count":30,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":14},{"key":"Private student loan","doc_count":13},{"key":"Non-federal student loan","doc_count":3}]}},{"key":"Vehicle loan or lease","doc_count":30,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":30}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":26,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":12},{"key":"Personal line of credit","doc_count":10},{"key":"Payday loan","doc_count":4}]}},{"key":"Prepaid card","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":9},{"key":"General-purpose prepaid card","doc_count":6},{"key":"Payroll card","doc_count":4},{"key":"Gift card","doc_count":2},{"key":"ID prepaid card","doc_count":2},{"key":"General purpose card","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":11},{"key":"Personal line of credit","doc_count":3},{"key":"Payday loan","doc_count":1}]}},{"key":"Consumer Loan","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle loan","doc_count":3},{"key":"Installment loan","doc_count":2}]}},{"key":"Debt or credit management","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":2},{"key":"Credit repair services","doc_count":1}]}},{"key":"Money transfers","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1}]}},{"key":"Payday loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"issue":{"doc_count":3361,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a purchase shown on your statement","doc_count":458,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":341},{"key":"Card was charged for something you did not purchase with the card","doc_count":94},{"key":"Overcharged for something you did purchase with the card","doc_count":23}]}},{"key":"Incorrect information on your report","doc_count":264,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":76},{"key":"Information belongs to someone else","doc_count":71},{"key":"Account information incorrect","doc_count":65},{"key":"Information is missing that should be on the report","doc_count":21},{"key":"Personal information incorrect","doc_count":15},{"key":"Public record information inaccurate","doc_count":8},{"key":"Old information reappears or never goes away","doc_count":6},{"key":"Information is incorrect","doc_count":2}]}},{"key":"Managing an account","doc_count":252,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":66},{"key":"Problem using a debit or ATM card","doc_count":59},{"key":"Banking errors","doc_count":39},{"key":"Problem making or receiving payments","doc_count":23},{"key":"Problem accessing account","doc_count":22},{"key":"Funds not handled or disbursed as instructed","doc_count":20},{"key":"Fee problem","doc_count":11},{"key":"Cashing a check","doc_count":9},{"key":"Deposits or withdrawals","doc_count":2},{"key":"Problem with fees or penalties","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":247,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":120},{"key":"Problem with customer service","doc_count":44},{"key":"Problem with rewards from credit card","doc_count":41},{"key":"Privacy issues","doc_count":17},{"key":"Problem with balance transfer","doc_count":16},{"key":"Credit card company forcing arbitration","doc_count":3},{"key":"Problem with cash advances","doc_count":3},{"key":"Add-on products and services","doc_count":2},{"key":"Problem with convenience check","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":203,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":130},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":28},{"key":"Problem with personal statement of dispute","doc_count":20},{"key":"Was not notified of investigation status or results","doc_count":15},{"key":"Investigation took more than 30 days","doc_count":10}]}},{"key":"Fees or interest","doc_count":138,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":96},{"key":"Charged too much interest","doc_count":32},{"key":"Unexpected increase in interest rate","doc_count":10}]}},{"key":"Problem when making payments","doc_count":127,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":101},{"key":"You never received your bill or did not know a payment was due","doc_count":14}]}},{"key":"Closing your account","doc_count":118,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":97},{"key":"Can't close your account","doc_count":21}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":98,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":69},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":15},{"key":"Problem with personal statement of dispute","doc_count":6},{"key":"Was not notified of investigation status or results","doc_count":5},{"key":"Investigation took more than 30 days","doc_count":3}]}},{"key":"Trouble using your card","doc_count":95,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":77},{"key":"Credit card company won't increase or decrease your credit limit","doc_count":17},{"key":"Account sold or transferred to another company","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":91,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":45},{"key":"Debt was result of identity theft","doc_count":25},{"key":"Debt was paid","doc_count":19},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":2}]}},{"key":"Improper use of your report","doc_count":87,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":60},{"key":"Credit inquiries on your report that you don't recognize","doc_count":20},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":6},{"key":"Report provided to employer without your written authorization","doc_count":1}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":84,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive advertised or promotional terms","doc_count":52},{"key":"Confusing or misleading advertising about the credit card","doc_count":32}]}},{"key":"Getting a credit card","doc_count":73,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":20},{"key":"Card opened as result of identity theft or fraud","doc_count":18},{"key":"Problem getting a working replacement card","doc_count":11},{"key":"Card opened without my consent or knowledge","doc_count":10},{"key":"Delay in processing application","doc_count":9},{"key":"Sent card you never applied for","doc_count":5}]}},{"key":"Problem with a lender or other company charging your account","doc_count":60,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":46},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":10},{"key":"Can't stop withdrawals from your account","doc_count":4}]}},{"key":"Unable to get your credit report or credit score","doc_count":49,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":33},{"key":"Problem getting your free annual credit report","doc_count":16}]}},{"key":"Closing an account","doc_count":47,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":28},{"key":"Can't close your account","doc_count":10},{"key":"Funds not received from closed account","doc_count":9}]}},{"key":"False statements or representation","doc_count":43,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":37},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":4},{"key":"Impersonated an attorney or official","doc_count":2}]}},{"key":"Fraud or scam","doc_count":40,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Took or threatened to take negative or legal action","doc_count":40,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":18},{"key":"Sued you without properly notifying you of lawsuit","doc_count":8},{"key":"Seized or attempted to seize your property","doc_count":6},{"key":"Threatened to sue you for very old debt","doc_count":4},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":3},{"key":"Collected or attempted to collect exempt funds","doc_count":1}]}},{"key":"Written notification about debt","doc_count":35,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":26},{"key":"Didn't receive notice of right to dispute","doc_count":8},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":1}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":32,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising or marketing","doc_count":2},{"key":"Application denials","doc_count":1},{"key":"Fees or costs during the application process","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":29,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":22},{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":6},{"key":"Overcharged for a purchase or transfer you did make with the card","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":29,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":4},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":2},{"key":"Escrow, taxes, or insurance","doc_count":1}]}},{"key":"Billing disputes","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with fraud alerts or security freezes","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Account opening, closing, or management","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity theft protection services","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":8},{"key":"Didn't receive services that were advertised","doc_count":6},{"key":"Problem with product or service terms changing","doc_count":6},{"key":"Received unwanted marketing or advertising","doc_count":2},{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":1}]}},{"key":"Customer service / Customer relations","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":15},{"key":"Non-sufficient funds and associated fees","doc_count":4},{"key":"Bounced checks or returned payments","doc_count":3},{"key":"Late or other fees","doc_count":1}]}},{"key":"Other","doc_count":19,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":19,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with your lender or servicer","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble with how payments are being handled","doc_count":10},{"key":"Received bad information about your loan","doc_count":4},{"key":"Don't agree with the fees charged","doc_count":2},{"key":"Problem with customer service","doc_count":2}]}},{"key":"Incorrect information on credit report","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account terms","doc_count":9},{"key":"Information is not mine","doc_count":3},{"key":"Account status","doc_count":2},{"key":"Public record","doc_count":2},{"key":"Reinserted previously deleted info","doc_count":1}]}},{"key":"Trouble using the card","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble using the card to spend money in a store or online","doc_count":6},{"key":"Problem using the card to withdraw money from an ATM","doc_count":5},{"key":"Trouble getting information about the card","doc_count":3},{"key":"Problem adding money","doc_count":2},{"key":"Trouble using the card to send money to another person","doc_count":1}]}},{"key":"Unexpected or other fees","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction problem","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay mortgage","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu","doc_count":1},{"key":"Foreclosure","doc_count":1},{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":1},{"key":"Trying to communicate with the company to fix an issue with the loan closing","doc_count":1}]}},{"key":"Communication tactics","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":9},{"key":"Used obscene, profane, or other abusive language","doc_count":3},{"key":"You told them to stop contacting you, but they keep trying","doc_count":2},{"key":"Threatened to take legal action","doc_count":1}]}},{"key":"Credit card protection / Debt protection","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing/Cancelling account","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Deposits and withdrawals","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing the loan or lease","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":6},{"key":"Problem with additional products or services purchased with the loan","doc_count":2},{"key":"Problem with fees charged","doc_count":2}]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Opening an account","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive terms that were advertised","doc_count":5},{"key":"Unable to open an account","doc_count":5},{"key":"Account opened as a result of fraud","doc_count":2}]}},{"key":"Cont'd attempts collect debt not owed","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":7},{"key":"Debt was paid","doc_count":2},{"key":"Debt resulted from identity theft","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":5},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":4},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Struggling to pay your bill","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't work with you while you're going through financial hardship","doc_count":8},{"key":"Filed for bankruptcy","doc_count":1},{"key":"Problem lowering your monthly payments","doc_count":1}]}},{"key":"Transaction issue","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Money was not available when promised","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Billing statement","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit reporting company's investigation","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Inadequate help over the phone","doc_count":3},{"key":"No notice of investigation status/result","doc_count":2},{"key":"Investigation took too long","doc_count":1},{"key":"Problem with statement of dispute","doc_count":1}]}},{"key":"Problem getting a card or closing an account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble closing card","doc_count":3},{"key":"Don't want a card provided by your employer or the government","doc_count":2},{"key":"Trouble getting, activating, or registering a card","doc_count":2}]}},{"key":"Dealing with my lender or servicer","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble with how payments are handled","doc_count":4},{"key":"Having problems with customer service","doc_count":1},{"key":"Need information about my balance/terms","doc_count":1}]}},{"key":"Making/receiving payments, sending money","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with customer service","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your loan","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":3},{"key":"Lender trying to repossess or disable the vehicle","doc_count":1},{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":1}]}},{"key":"Using a debit or ATM card","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Application, originator, mortgage broker","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or missing disclosures","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan or lease","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in terms mid-deal or after closing","doc_count":2},{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Fraudulent loan","doc_count":1},{"key":"Problem with signing the paperwork","doc_count":1}]}},{"key":"Getting the loan","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Identity theft / Fraud / Embezzlement","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unable to get credit report/credit score","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem getting report or credit score","doc_count":4},{"key":"Problem getting my free annual report","doc_count":1}]}},{"key":"Balance transfer","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged fees or interest you didn't expect","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or misleading advertising or marketing","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Late fee","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Rewards","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit determination","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit line increase/decrease","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity protection","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute","doc_count":2},{"key":"Account terms and changes","doc_count":1}]}},{"key":"Disclosure verification of debt","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Right to dispute notice not received","doc_count":3}]}},{"key":"Identity theft protection or other monitoring services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with product or service terms changing","doc_count":2},{"key":"Billing dispute for services","doc_count":1}]}},{"key":"Privacy","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with additional add-on products or services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems at the end of the loan or lease","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem related to refinancing","doc_count":1},{"key":"Problem while selling or giving up the vehicle","doc_count":1},{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":1}]}},{"key":"Unauthorized transactions/trans. issues","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"APR or interest rate","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Advertising and marketing","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Can't repay my loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't decrease my monthly payments","doc_count":1},{"key":"Can't get flexible payment options","doc_count":1}]}},{"key":"Charged upfront or unexpected fees","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Delinquent account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Excessive fees","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a line of credit","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising","doc_count":1},{"key":"Denied loan","doc_count":1}]}},{"key":"Improper use of my credit report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Report improperly shared by CRC","doc_count":2}]}},{"key":"Loan servicing, payments, escrow account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other service problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Payoff process","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems caused by my funds being low","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to repay your loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem lowering your monthly payments","doc_count":2}]}},{"key":"Unsolicited issuance of credit card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Application processing delay","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Balance transfer fee","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Bankruptcy","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Can't contact lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Cash advance","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged fees or interest I didn't expect","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Convenience checks","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit decision / Underwriting","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit limit changed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Electronic communications","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":1}]}},{"key":"Loan modification,collection,foreclosure","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan payment wasn't credited to your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Money was taken from your bank account on the wrong day or for the wrong amount","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other fee","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction issues","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Overdraft, savings, or rewards features","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with cash advance","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with overdraft","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdraft charges","doc_count":1}]}},{"key":"Problems when you are unable to pay","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account reinstatement or redemption after repossession","doc_count":1}]}},{"key":"Taking out the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Taking/threatening an illegal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued w/o proper notification of suit","doc_count":1}]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Wrong amount charged or received","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":3361,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":3320},{"key":"No","doc_count":41}]}},"company_response":{"doc_count":3361,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":2414},{"key":"Closed with monetary relief","doc_count":531},{"key":"Closed with non-monetary relief","doc_count":412},{"key":"Untimely response","doc_count":3},{"key":"Closed","doc_count":1}]}},"submitted_via":{"doc_count":3361,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":3361}]}},"company":{"doc_count":3361,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CITIBANK, N.A.","doc_count":306},{"key":"JPMORGAN CHASE & CO.","doc_count":280},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":242},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":229},{"key":"EQUIFAX, INC.","doc_count":224},{"key":"Experian Information Solutions Inc.","doc_count":184},{"key":"SYNCHRONY FINANCIAL","doc_count":178},{"key":"WELLS FARGO & COMPANY","doc_count":152},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":151},{"key":"AMERICAN EXPRESS COMPANY","doc_count":123},{"key":"Bread Financial Holdings, Inc.","doc_count":88},{"key":"DISCOVER BANK","doc_count":81},{"key":"BARCLAYS BANK DELAWARE","doc_count":75},{"key":"U.S. BANCORP","doc_count":73},{"key":"Paypal Holdings, Inc","doc_count":54},{"key":"GOLDMAN SACHS BANK USA","doc_count":49},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":38},{"key":"TD BANK US HOLDING COMPANY","doc_count":36},{"key":"PNC Bank N.A.","doc_count":30},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":28},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":26},{"key":"Chime Financial Inc","doc_count":22},{"key":"Block, Inc.","doc_count":21},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":21},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":18},{"key":"Resurgent Capital Services L.P.","doc_count":18},{"key":"Comerica","doc_count":17},{"key":"Navient Solutions, LLC.","doc_count":17},{"key":"Portfolio Recovery Associates, LLC","doc_count":15},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":13},{"key":"Continental Finance Company, LLC","doc_count":11},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":11},{"key":"KEYCORP","doc_count":10},{"key":"Atlanticus Services Corporation","doc_count":8},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":8},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":8},{"key":"Netspend Corporation","doc_count":8},{"key":"ALLY FINANCIAL INC.","doc_count":7},{"key":"Avant Holding Company, Inc.","doc_count":7},{"key":"BANCO POPULAR DE PUERTO RICO","doc_count":7},{"key":"Coinbase, Inc.","doc_count":7},{"key":"Credit Karma, LLC","doc_count":7},{"key":"SANTANDER BANK, NATIONAL ASSOCIATION","doc_count":7},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":7},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":7},{"key":"SUNTRUST BANKS, INC.","doc_count":7},{"key":"Shellpoint Partners, LLC","doc_count":7},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":6},{"key":"CL Holdings LLC","doc_count":6},{"key":"CLGF Holdco 1, LLC","doc_count":6},{"key":"Conduent Incorporated","doc_count":6},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":6},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":6},{"key":"Prosper Marketplace, Inc.","doc_count":6},{"key":"AMERISAVE MORTGAGE CORPORATION","doc_count":5},{"key":"Google Compare Credit Cards Inc.","doc_count":5},{"key":"Ocwen Financial Corporation","doc_count":5},{"key":"TRANSWORLD SYSTEMS INC","doc_count":5},{"key":"ALLIANT CREDIT UNION","doc_count":4},{"key":"BBVA FINANCIAL CORPORATION","doc_count":4},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":4},{"key":"FISERV FINXACT CORE","doc_count":4},{"key":"MoneyLion Inc.","doc_count":4},{"key":"RAS LaVrar, LLC","doc_count":4},{"key":"Synovus Bank","doc_count":4},{"key":"AFNI INC.","doc_count":3},{"key":"Affirm Holdings, Inc","doc_count":3},{"key":"CNG FINANCIAL CORPORATION","doc_count":3},{"key":"CURO Intermediate Holdings","doc_count":3},{"key":"Colony Brands, Inc.","doc_count":3},{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":3},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":3},{"key":"LEXISNEXIS","doc_count":3},{"key":"Law Office of Michael J. Scott, PC","doc_count":3},{"key":"M&T BANK CORPORATION","doc_count":3},{"key":"Mr. Cooper Group Inc.","doc_count":3},{"key":"Nelnet, Inc.","doc_count":3},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":3},{"key":"SANTANDER BANCORP","doc_count":3},{"key":"Santander Consumer USA Holdings Inc.","doc_count":3},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":3},{"key":"U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH","doc_count":3},{"key":"VYSTAR CREDIT UNION","doc_count":3},{"key":"Velocity Portfolio Group","doc_count":3},{"key":"Westlake Services, LLC","doc_count":3},{"key":"ACIMA CREDIT, LLC","doc_count":2},{"key":"ADP Inc.","doc_count":2},{"key":"AES/PHEAA","doc_count":2},{"key":"Alorica Inc.","doc_count":2},{"key":"Army and Air Force Exchange Service","doc_count":2},{"key":"BANK OF THE WEST","doc_count":2},{"key":"BB&T CORPORATION","doc_count":2},{"key":"BOEING EMPLOYEES' CREDIT UNION","doc_count":2},{"key":"Bilt Technologies, Inc.","doc_count":2},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":2},{"key":"CBC Companies, Inc.","doc_count":2},{"key":"CCF Intermediate Holdings LLC","doc_count":2},{"key":"CHARLES SCHWAB CORPORATION, THE","doc_count":2},{"key":"CORELOGIC INC","doc_count":2},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":2},{"key":"Caliber Home Loans, Inc.","doc_count":2},{"key":"Conn's, Inc.","doc_count":2},{"key":"Cooling & Winter LLC","doc_count":2},{"key":"Credit Council Corp","doc_count":2},{"key":"FIRST FINANCIAL BANCORP","doc_count":2},{"key":"FULTON FINANCIAL CORPORATION","doc_count":2},{"key":"First Data Corporation","doc_count":2},{"key":"First Technology Federal Credit Union","doc_count":2},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":2},{"key":"Healthcare Finance Direct LLC.","doc_count":2},{"key":"Immediate Credit Recovery","doc_count":2},{"key":"Klarna AB","doc_count":2},{"key":"Kriya Capital, LLC","doc_count":2},{"key":"LD Holdings Group, LLC","doc_count":2},{"key":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","doc_count":2},{"key":"National Credit Systems,Inc.","doc_count":2},{"key":"OneMain Finance Corporation","doc_count":2},{"key":"Pollack & Rosen, P.A.","doc_count":2},{"key":"ROBINHOOD MARKETS INC.","doc_count":2},{"key":"Radius Global Solutions LLC","doc_count":2},{"key":"Renton Collections Inc.","doc_count":2},{"key":"Rocket Mortgage, LLC","doc_count":2},{"key":"SLM CORPORATION","doc_count":2},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":2},{"key":"STERLING JEWELERS, INC.","doc_count":2},{"key":"Self Financial Inc.","doc_count":2},{"key":"Skrill USA, Inc.","doc_count":2},{"key":"Social Finance, Inc.","doc_count":2},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":2},{"key":"UMB FINANCIAL CORPORATION","doc_count":2},{"key":"UPGRADE, INC.","doc_count":2},{"key":"Viking Client Services","doc_count":2},{"key":"eMortgage Funding LLC","doc_count":2},{"key":"A.R.M. Solutions, Inc.","doc_count":1},{"key":"AMA Advisors, LLC.","doc_count":1},{"key":"AR Resources, Inc.","doc_count":1},{"key":"ARVEST BANK GROUP, INC.","doc_count":1},{"key":"AXOS FINANCIAL, INC.","doc_count":1},{"key":"Absolute Recovery Services, LLC","doc_count":1},{"key":"Account Control Technology, Inc.","doc_count":1},{"key":"Advanced Resolution Services Inc.","doc_count":1},{"key":"Aldridge PIte Haan, LLP","doc_count":1},{"key":"Alliance One, Inc.","doc_count":1},{"key":"American Recovery Service Incorporated","doc_count":1},{"key":"Americor Funding, LLC","doc_count":1},{"key":"Amsher Collection Services, Inc.","doc_count":1},{"key":"Auto Now Financial Services, Inc., Phoenix, AZ Branch","doc_count":1},{"key":"BANCORPSOUTH BANK","doc_count":1},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":1},{"key":"BANK OZK","doc_count":1},{"key":"BOK FINANCIAL CORP","doc_count":1},{"key":"Blackhawk Network Holdings Inc.","doc_count":1},{"key":"Bliksum, LLC","doc_count":1},{"key":"Branch Messenger, Inc.","doc_count":1},{"key":"Bridge IT, Inc.","doc_count":1},{"key":"Bright Capital Inc","doc_count":1},{"key":"Burns Auto Credit, LLC","doc_count":1},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":1},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":1},{"key":"CATHAY BANK","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"CNG HOLDINGS INC","doc_count":1},{"key":"COAST PROFESSIONAL, INC.","doc_count":1},{"key":"Client Services, Inc.","doc_count":1},{"key":"Concerto Card Company","doc_count":1},{"key":"Concord Servicing Corporation","doc_count":1},{"key":"Credit Bureau of Carbon County","doc_count":1},{"key":"Credit Corp Solutions Inc.","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"D&A Services, LLC","doc_count":1},{"key":"DHI Mortgage Company","doc_count":1},{"key":"Dave Operating, LLC","doc_count":1},{"key":"Debt Collectors International, Inc.","doc_count":1},{"key":"Delay Group DBA The Debt Management Group","doc_count":1},{"key":"Dennis Dillon Auto Park and Truck Center, Inc.,","doc_count":1},{"key":"Deutsche Bank","doc_count":1},{"key":"Ditech Financial LLC","doc_count":1},{"key":"Diversified Consultants, Inc.","doc_count":1},{"key":"Dovenmuehle Mortgage, Inc.","doc_count":1},{"key":"Duvera Billing Services, LLC","doc_count":1},{"key":"EQUITY RESOURCES, INCORPORATED","doc_count":1},{"key":"ERC","doc_count":1},{"key":"EXPERT GLOBAL SOLUTIONS, INC.","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"Empowerment Ventures, LLC","doc_count":1},{"key":"Enerson Law, LLC.","doc_count":1},{"key":"Exeter Finance, LLC.","doc_count":1},{"key":"F.H. Cann & Associates, Inc.","doc_count":1},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":1},{"key":"FC HoldCo LLC","doc_count":1},{"key":"FIDELITY CAPITAL HOLDINGS, INC","doc_count":1},{"key":"FIRST HAWAIIAN, INC.","doc_count":1},{"key":"FIRST HORIZON BANK","doc_count":1},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":1},{"key":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","doc_count":1},{"key":"FIRSTBANK PUERTO RICO","doc_count":1},{"key":"FREEDOM FINANCIAL NETWORK","doc_count":1},{"key":"FinCo Services Inc DBA Current","doc_count":1},{"key":"Finance of America Holdings LLC","doc_count":1},{"key":"First Capital Recovery Inc.","doc_count":1},{"key":"Fortren Funding LLC","doc_count":1},{"key":"Friedman & Associates, LLC","doc_count":1},{"key":"FundFlare LLC","doc_count":1},{"key":"GLOBAL CREDIT UNION","doc_count":1},{"key":"GREAT LAKES","doc_count":1},{"key":"GUARANTEED RATE INC.","doc_count":1},{"key":"GVA Holdings, LLC","doc_count":1},{"key":"General Motors Financial Company, Inc.","doc_count":1},{"key":"Global Tel*Link Corporation","doc_count":1},{"key":"Grain Technology, Inc.","doc_count":1},{"key":"GreenSky, LLC","doc_count":1},{"key":"Guild Holdings Company","doc_count":1},{"key":"HIGHLANDS RESIDENTIAL MORTGAGE","doc_count":1},{"key":"Happy Money, Inc.","doc_count":1},{"key":"Harpeth Financial Services, LLC","doc_count":1},{"key":"Hewitt-Capital","doc_count":1},{"key":"Home Loan Center, Inc.","doc_count":1},{"key":"I.C. System, Inc.","doc_count":1},{"key":"I.Q. DATA INTERNATIONAL, INC.","doc_count":1},{"key":"ID Analytics, Inc.","doc_count":1},{"key":"IQOR US INC","doc_count":1},{"key":"Indie Technology DBA Found","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"Io, Inc.","doc_count":1},{"key":"JTM Capital Management, LLC","doc_count":1},{"key":"Javitch, Block & Rathbone LLC","doc_count":1},{"key":"Johnson Mark LLC","doc_count":1},{"key":"King of Credit Financial, Inc","doc_count":1},{"key":"Kohn Law Firm S.C.","doc_count":1},{"key":"LEADER ONE FINANCIAL CORPORATION","doc_count":1},{"key":"Lending Club Corp","doc_count":1},{"key":"LendingPoint Holdings LLC","doc_count":1},{"key":"Lennar Financial Services, LLC","doc_count":1},{"key":"Liberty Home Equity Solutions, Inc.","doc_count":1},{"key":"LoanCare, LLC","doc_count":1},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":1},{"key":"MUFG AMERICAS HOLDINGS CORPORATION","doc_count":1},{"key":"McCarthy, Burgess & Wolff, Inc.","doc_count":1},{"key":"Merchants' Credit Guide Company","doc_count":1},{"key":"Mercury Financial Intermediate LLC","doc_count":1},{"key":"Meridian Financial Services, Inc.","doc_count":1},{"key":"Meyer & Njus, P.A.","doc_count":1},{"key":"Modlin Slinsky, P.A.","doc_count":1},{"key":"Moon Inc.","doc_count":1},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":1},{"key":"National Credit Adjusters, LLC","doc_count":1},{"key":"Neighborhood Assistance Corporation of America (\"NACA\")","doc_count":1},{"key":"Nelson and Kennard, LLP","doc_count":1},{"key":"Newport Intermediate Inc.","doc_count":1},{"key":"ORG GC GP BUYER, LLC","doc_count":1},{"key":"One Technologies, LP","doc_count":1},{"key":"PATRICK A. CAREY, P.A.","doc_count":1},{"key":"PINNACLE RECOVERY, INC.","doc_count":1},{"key":"PLANET HOME LENDING, LLC","doc_count":1},{"key":"PRIMELENDING, A PLAINSCAPITAL COMPANY","doc_count":1},{"key":"PROSPERITY BANCSHARES, INC.","doc_count":1},{"key":"Paradigm Assets, LLC","doc_count":1},{"key":"Premier Auto Credit","doc_count":1},{"key":"Premier Student Loan Center","doc_count":1},{"key":"Professional Debt Mediation, Inc.","doc_count":1},{"key":"Propel, Inc.","doc_count":1},{"key":"RANDOLPH-BROOKS FEDERAL CREDIT UNION","doc_count":1},{"key":"RC Willey","doc_count":1},{"key":"Rausch Sturm LLP","doc_count":1},{"key":"Receivables Management Partners, LLC","doc_count":1},{"key":"Receivables Performance Management, LLC","doc_count":1},{"key":"Revolut Technologies Inc.","doc_count":1},{"key":"Ria Envia, LLC","doc_count":1},{"key":"Richard A. Weidel Corporation","doc_count":1},{"key":"Riverwalk Financial Corporation","doc_count":1},{"key":"SAN DIEGO COUNTY CREDIT UNION","doc_count":1},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":1},{"key":"SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH","doc_count":1},{"key":"STATE FARM BANK, FSB","doc_count":1},{"key":"SUNCOAST CREDIT UNION","doc_count":1},{"key":"Seattle Service Bureau, Inc","doc_count":1},{"key":"Sequium Asset Solutions, LLC","doc_count":1},{"key":"Sezzle Inc.","doc_count":1},{"key":"Siggi LLC","doc_count":1},{"key":"Signature Bank (NY)","doc_count":1},{"key":"Skopos Financial, LLC","doc_count":1},{"key":"State Home Mortgage","doc_count":1},{"key":"Stillman, P.C. d.b.a. Stillman Law Office","doc_count":1},{"key":"TCF NATIONAL BANK","doc_count":1},{"key":"TENET HEALTHCARE CORPORATION","doc_count":1},{"key":"TMX Finance LLC","doc_count":1},{"key":"The CBE Group, Inc.","doc_count":1},{"key":"TomoCredit Inc.","doc_count":1},{"key":"Total Card, Inc.","doc_count":1},{"key":"TransferWise Ltd","doc_count":1},{"key":"TrueAccord Corp.","doc_count":1},{"key":"United Military Mortgage, LLC","doc_count":1},{"key":"United Shore Financial Services, LLC","doc_count":1},{"key":"Upstart Holdings, Inc.","doc_count":1},{"key":"Valentine and Kebartas, Inc.","doc_count":1},{"key":"Venture Financial Services, Inc.","doc_count":1},{"key":"Village Capital & Investment LLC","doc_count":1},{"key":"WESTERN UNION COMPANY, THE","doc_count":1},{"key":"WLCC","doc_count":1},{"key":"Winklevoss Exchange LLC","doc_count":1},{"key":"World Omni Financial Corp.","doc_count":1},{"key":"ZIONS BANCORPORATION","doc_count":1},{"key":"ZWICKER & ASSOCIATES","doc_count":1},{"key":"Zip Co US Inc.","doc_count":1},{"key":"iQuantified Management Services, LLC","doc_count":1}]}},"state":{"doc_count":3361,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":488},{"key":"FL","doc_count":293},{"key":"TX","doc_count":262},{"key":"NY","doc_count":229},{"key":"GA","doc_count":154},{"key":"IL","doc_count":123},{"key":"VA","doc_count":116},{"key":"NJ","doc_count":115},{"key":"NC","doc_count":113},{"key":"PA","doc_count":111},{"key":"MD","doc_count":104},{"key":"MI","doc_count":90},{"key":"OH","doc_count":76},{"key":"MA","doc_count":74},{"key":"WA","doc_count":74},{"key":"CO","doc_count":67},{"key":"TN","doc_count":66},{"key":"AZ","doc_count":63},{"key":"MN","doc_count":49},{"key":"SC","doc_count":44},{"key":"CT","doc_count":43},{"key":"OR","doc_count":43},{"key":"NV","doc_count":40},{"key":"WI","doc_count":39},{"key":"MO","doc_count":38},{"key":"IN","doc_count":36},{"key":"PR","doc_count":35},{"key":"LA","doc_count":33},{"key":"AL","doc_count":28},{"key":"MS","doc_count":24},{"key":"DC","doc_count":20},{"key":"KY","doc_count":20},{"key":"UT","doc_count":20},{"key":"OK","doc_count":18},{"key":"HI","doc_count":17},{"key":"ID","doc_count":17},{"key":"AR","doc_count":15},{"key":"DE","doc_count":15},{"key":"KS","doc_count":15},{"key":"IA","doc_count":12},{"key":"NM","doc_count":12},{"key":"NH","doc_count":11},{"key":"NE","doc_count":10},{"key":"ND","doc_count":6},{"key":"SD","doc_count":6},{"key":"AK","doc_count":5},{"key":"ME","doc_count":5},{"key":"MT","doc_count":5},{"key":"VT","doc_count":5},{"key":"WV","doc_count":5},{"key":"RI","doc_count":4},{"key":"WY","doc_count":3},{"key":"AP","doc_count":2},{"key":"GU","doc_count":1}]}},"company_public_response":{"doc_count":3361,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":1454},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":96},{"key":"Company chooses not to provide a public response","doc_count":41},{"key":"Company believes complaint is the result of an isolated error","doc_count":8},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":7},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":3},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":3},{"key":"Company disputes the facts presented in the complaint","doc_count":3},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":2},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":2}]}},"tags":{"doc_count":3361,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":468},{"key":"Servicemember","doc_count":337},{"key":"Older American, Servicemember","doc_count":103}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[13.595557,"2565122"],"3":[13.125555,"4277830"],"4":[12.908232,"4659923"],"5":[12.6133995,"3693962"],"6":[12.3375435,"2970730"],"7":[12.166768,"2558166"],"8":[12.061153,"2992372"]}}}