{"took":211,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":993,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7524142","_score":13.659562,"_source":{"product":"Credit card","complaint_what_happened":"About two years ago I had a Capital One credit card. I would use it and pay it off. At one point they held my payment because the felt it was suspicious and so I had funds in limbo for about a week. \n\nThis, of course, made me angry because nobody could give me a valid reason. It seemed you get in trouble for not paying your bill and now you get in trouble for paying your bill. So the discussion got heated and they closed my credit and my checking account. \n\nI just applied again snd received the card Ive used it snd paid it off again. I just got a letter via XXXX stating theyve closed that account again. \n\nObviously I was approved and, like I said, Ive been using it. Until now. \n\nI guess Im not sure that a credit card company can take things personally like that and deny somebody a card if they qualify.","date_sent_to_company":"2023-09-10T03:01:53.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"98405","tags":null,"has_narrative":true,"complaint_id":"7524142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-09-10T02:44:28.000Z","state":"WA","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["About two years ago I had a Capital One <em>credit</em> <em>card</em>. I would use it and pay it off. At one point they held my payment because the felt it was suspicious and so I had funds in limbo for about a week. \n\nThis, of course, made me angry because nobody could give me a valid reason. It seemed you get in <em>trouble</em> for not paying <em>your</em> bill and now you get in <em>trouble</em> for paying <em>your</em> bill. So the discussion got heated and they closed my <em>credit</em> and my checking account."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[13.659562,"7524142"]},{"_index":"complaint-public-v1","_id":"3862016","_score":13.106109,"_source":{"product":"Checking or savings account","complaint_what_happened":"USAA uses creative accounting to maximize collection of NSF fees. USAA ALWAYS debits your account and gives debits priority over credits or deposits. If an account holder deposits money to cover a check written on the same day, USAA will hold the deposit as long as possible but submit a check as quickly as possible. Automatic deposits as well are never credited before XXXX whereas debits are removed from the account continually after midnight again maximizing USAA 's opportunities to circumvent the law and collect as many NSF fees as possible. In another troubling development, USAA in my case during the past week changed a credit card charge to what they refer to as an ACH in order to collect not one but two NSF fees on my account. It is troubling to me that USAA is taking credit card and or debit card transactions and reclassifying them as check transactions in order to collect NSF fees.\n\nThis practice is especially troubling in light of the COVID taxpayer money USAA is receiving from the Federal Government via taxpayers in a Federal attempt to minimize or prevent predatory practices such as this. I have asked USAA to credit my account {$58.00} for the illegal charges they have imposed on me, and they flatly refused.","date_sent_to_company":"2020-09-23T20:28:01.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"766XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3862016","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-09-23T20:11:25.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["In another <em>troubling</em> development, USAA in my case during the past week changed a <em>credit</em> <em>card</em> charge to what they refer to as an ACH in order to collect not one but two NSF fees on my account. It is <em>troubling</em> to me that USAA is taking <em>credit</em> <em>card</em> and or debit <em>card</em> transactions and reclassifying them as check transactions in order to collect NSF fees."],"sub_issue":["Problem using a debit or ATM <em>card</em>"]},"sort":[13.106109,"3862016"]},{"_index":"complaint-public-v1","_id":"15623168","_score":12.557836,"_source":{"product":"Credit card","complaint_what_happened":"I have explained what happened - I was approved for business credit card for {$10000.00} I received the card. \nA week later I received a letter from chase stating we gave you the credit cared with a {$1000.00} limit, but we are going to reduce your Business LOC by {$10000.00} If I would have been told that prior to receiving the card - '' this is what we are going to do '' I would have not gotten the card -The new complaint - on the complaint that I guess cfpb wrote it reads \" trouble using card '' how absurd - I have no trouble using the card I am not using the card -The card has not been taken out of the box Between Chase The office of the Comptroller of the Currency and you CFPB -I have been jerked around -Thsi needs to be resolved and resolved now 1. Close the Card 2. Delete the {$790.00} annual fee 3. Restore my LOC to {$59000.00} This has been going on since XX/XX/year> - The 3 institutions are jerking me around and now you are mis stating the reason for my complaint -Trust me -I will not go away -and next step will be legal assistance. \n\nXXXX XXXX","date_sent_to_company":"2025-08-30T21:19:46.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"773XX","tags":"Older American","has_narrative":true,"complaint_id":"15623168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-30T20:59:32.000Z","state":"TX","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["A week later I received a letter from chase stating we gave you the <em>credit</em> cared with a {$1000.00} limit, but we are going to reduce <em>your</em> Business LOC by {$10000.00} If I would have been told that prior to receiving the <em>card</em> - '' this is what we are going to do '' I would have not gotten the <em>card</em> -The new complaint - on the complaint that I guess cfpb wrote it reads \" <em>trouble</em> using <em>card</em> '' how absurd - I have no <em>trouble</em> using the <em>card</em> I am not using the <em>card</em> -The <em>card</em> has not been taken out of the"],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[12.557836,"15623168"]},{"_index":"complaint-public-v1","_id":"7907553","_score":12.512623,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Discover Bank, I have trouble recognizing an account on my credit report. It says I allegedly owe on a credit card, account numbers XXXX, and if you claim I owe the alleged debt, can you then provide me with account billing history, statements, and other proof that claims the debt is owed by me. Thank you for your time.","date_sent_to_company":"2023-11-27T17:06:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30019","tags":null,"has_narrative":true,"complaint_id":"7907553","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-11-27T17:02:33.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Discover Bank, I have <em>trouble</em> recognizing an account on my <em>credit</em> report. It says I allegedly owe on a <em>credit</em> <em>card</em>, account numbers XXXX, and if you claim I owe the alleged debt, can you then provide me with account billing history, statements, and other proof that claims the debt is owed by me. Thank you for <em>your</em> time."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.512623,"7907553"]},{"_index":"complaint-public-v1","_id":"4512345","_score":12.473263,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am trying to request some statements and credit card agreement from XXXX XXXX ( Comenity Bank ). However, I am told that they are unable to mail me my credit card agreement because they are no longer my lender. I've tried requesting twice via phone on XX/XX/2021. I made a call at XXXX and I tried again at XXXX. \n\nAccording to CFPB, \" By law, the issuer must make your agreement available to you upon request. If you are having trouble getting your agreement, let us know by submitting a complaint. '' For this reason, I am submitting a complaint.","date_sent_to_company":"2021-07-03T00:08:14.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"90807","tags":null,"has_narrative":true,"complaint_id":"4512345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2021-07-02T23:47:47.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["If you are having <em>trouble</em> getting <em>your</em> agreement, let us know by submitting a complaint. '' For this reason, I am submitting a complaint."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[12.473263,"4512345"]},{"_index":"complaint-public-v1","_id":"2707794","_score":12.209766,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Recently I pulled my credit report for annually check, it appears my information was used to obtain XXXX credit card without my consent. \nTherefore, reporting any invalidated information to major credit bureaus may constitute defamation of character. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.","date_sent_to_company":"2017-10-20T16:11:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95122","tags":null,"has_narrative":true,"complaint_id":"2707794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-10-20T15:55:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Recently I pulled my <em>credit</em> report for annually check, it appears my information was used to obtain XXXX <em>credit</em> <em>card</em> without my consent. \nTherefore, reporting any invalidated information to major <em>credit</em> bureaus may constitute defamation of character. Non-compliance with this request may land <em>your</em> company in serious legal <em>trouble</em> with the Federal Trade Commission ( FTC ) and other state/federal agencies."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.209766,"2707794"]},{"_index":"complaint-public-v1","_id":"5990223","_score":12.20435,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"on XX/XX/2022, I called US bank to verify my credit card because I switched a new cell phone yesterday and I have trouble adding the credit card to App pay. it said I need to call the bank to verity this card. so I did call this morning. However, what is disappointed is that I was keeping transferred to a different departments with long waiting, during which time one of the representative even told me this is not their job. I said it is exactly instructed, then she transferred me again. Just like this, the whole process took me 45 min and nothing solved. finally I need to hang up. it is like they have no idea what they should do. \nwhat is even more, this was not the first time I had trouble with their services. last time my card was stolen and there are a few charges that were not authorized. I called and told the representative the situation while she asked me 3 times like this : '' are they really not your own charges? '' wow I have really nothing to say. so what she was thinking?? I used my own card a called them someone stole it? The services in the US bank are really in bad quality and there is something seriously wrong with their attitude.","date_sent_to_company":"2022-09-16T17:15:56.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"39503","tags":null,"has_narrative":true,"complaint_id":"5990223","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2022-09-16T16:35:10.000Z","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":["on XX/XX/2022, I called US bank to verify my <em>credit</em> <em>card</em> because I switched a new cell phone yesterday and I have <em>trouble</em> adding the <em>credit</em> <em>card</em> to App pay. it said I need to call the bank to verity this <em>card</em>. so I did call this morning. However, what is disappointed is that I was keeping transferred to a different departments with long waiting, during which time one of the representative even told me this is not their job. I said it is exactly instructed, then she transferred me again."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Trouble</em> using <em>your</em> <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":[12.20435,"5990223"]},{"_index":"complaint-public-v1","_id":"7833269","_score":12.137999,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to bring to your attention a matter of serious concern regarding the rejection of my credit card application through XXXX XXXX. I was rejected two times in the last several years without a reason to why. Im also a frequent flyer, so I dont understand why I was rejected.\n\nI also used to have a Best Buy card that suddenly closed without a reason.\n\nAs an individual of XXXX descent, I am troubled by the discriminatory practices within your application process.\n\nDespite having a strong credit history and a consistent record of credit approvals, the lack of clarity surrounding the denial raises concerns of potential discrimination. I am not alone in this experience, as there have been reports of similar incidents within the XXXX community.","date_sent_to_company":"2023-11-10T23:56:28.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"93561","tags":"Servicemember","has_narrative":true,"complaint_id":"7833269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-11-10T23:15:15.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["I am writing to bring to <em>your</em> attention a matter of serious concern regarding the rejection of my <em>credit</em> <em>card</em> application through XXXX XXXX. I was rejected two times in the last several years without a reason to why. Im also a frequent flyer, so I dont understand why I was rejected.\n\nI also used to have a Best Buy <em>card</em> that suddenly closed without a reason.\n\nAs an individual of XXXX descent, I am <em>troubled</em> by the discriminatory practices within <em>your</em> application process."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[12.137999,"7833269"]},{"_index":"complaint-public-v1","_id":"3380614","_score":12.026026,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Hi I have some trouble on my Amex credit card and need you help. \n\nI have applies an American Express Premier Rewards credit cards via the website of American Express. It said that I would \" Earn XXXX Membership Rewards Points after you spend {$2000.00} on purchases on your new Card in your first 3 months of Card Membership ''. However, when I finished my {$2000.00} purchases in first 3 months, I didn't get the so-called \" XXXX Membership Rewards Points ''. I have contacted them for this issue. They just said they think I couldn't get these points without any reason. \n\nThey never told me that I can't get these points when I was applying and paying with this credit card. How can they cheat me to apply this credit card and refuse to pay me the so-called \" XXXX Membership Rewards Points ''? \n\nIn a words, They has no reason to refuse paying me \" XXXX Membership Rewards Points ''. \n\nThat's all about my issue. \n\nThank you for your kind assistance.","date_sent_to_company":"2019-09-20T06:56:07.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"48105","tags":null,"has_narrative":true,"complaint_id":"3380614","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-09-20T02:21:15.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["Hi I have some <em>trouble</em> on my Amex <em>credit</em> <em>card</em> and need you help. \n\nI have applies an American Express Premier Rewards <em>credit</em> cards via the website of American Express. It said that I would \" Earn XXXX Membership Rewards Points after you spend {$2000.00} on purchases on <em>your</em> new <em>Card</em> in <em>your</em> first 3 months of <em>Card</em> Membership ''. However, when I finished my {$2000.00} purchases in first 3 months, I didn't get the so-called \" XXXX Membership Rewards Points ''. I have contacted them for this issue."],"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>"],"sub_issue":["Problem with rewards from <em>credit</em> <em>card</em>"]},"sort":[12.026026,"3380614"]},{"_index":"complaint-public-v1","_id":"7425388","_score":11.955868,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am unable to unfreeze my credit file with Experian. Every time I try to go to the page that displays the option to unfreeze, I get the error saying : \" Status not found We're having trouble loading your information. Please try again later. '' I have tried to call Experian and no one was willing to help. I need to urgently unfreeze my credit file so that I can apply for a credit card.","date_sent_to_company":"2023-08-20T07:07:16.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"11365","tags":null,"has_narrative":true,"complaint_id":"7425388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-20T07:01:32.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am unable to unfreeze my <em>credit</em> file with Experian. Every time I try to go to the page that displays the option to unfreeze, I get the error saying : \" Status not found We're having <em>trouble</em> loading <em>your</em> information. Please try again later. '' I have tried to call Experian and no one was willing to help. I need to urgently unfreeze my <em>credit</em> file so that I can apply for a <em>credit</em> <em>card</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.955868,"7425388"]},{"_index":"complaint-public-v1","_id":"16118222","_score":11.933361,"_source":{"product":"Credit card","complaint_what_happened":"hello. i tried reaching out by phone call but i was unable to reach the help i needed. i am having trouble making payments because its complicated and even using this credit card now that youve closed all my huntington bank accounts. i dont think you typically allow people to get your credit cards without being a banking customer to which you revoked all my access and closed my accounts. so with that being said making payments is too complicated with an external bank account in your lackluster banking app so i have realized i do not want to bank with you ever again and have decided that you shall close my huntington secured credit card account immediately. there is a full balance on the credit card which i expect you to report as a {$0.00} balance to credit bureaus as the security deposit will cover the entire card balance. so i am asking that you close the huntington secured credit card and pay off the entire balance with my security deposit. thanks.","date_sent_to_company":"2025-09-21T01:20:12.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"48089","tags":null,"has_narrative":true,"complaint_id":"16118222","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2025-09-21T01:09:27.000Z","state":"MI","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["hello. i tried reaching out by phone call but i was unable to reach the help i needed. i am having <em>trouble</em> making payments because its complicated and even using this <em>credit</em> <em>card</em> now that youve closed all my huntington bank accounts. i dont think you typically allow people to get <em>your</em> <em>credit</em> cards without being a banking customer to which you revoked all my access and closed my accounts. so with that being said making payments is too complicated with an external bank account in <em>your</em> lackluster banking"],"product":["<em>Credit</em> <em>card</em>"],"issue":["Closing <em>your</em> account"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't close <em>your</em> account"]},"sort":[11.933361,"16118222"]},{"_index":"complaint-public-v1","_id":"7528405","_score":11.896831,"_source":{"product":"Credit card","complaint_what_happened":"Hi I really need your help. I was fraudulently charged on my card after I closed my account. A Goldman Sachs employee confirmed my account is closed and no further charges will be incurred. Today, I received a delinquent notice from the credit bureaus. I really need help with removing this late report because I am in the process of buying a home. I need to report employee fraud as this was extremely troubling and fraudulent","date_sent_to_company":"2023-09-10T18:22:43.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"20136","tags":null,"has_narrative":true,"complaint_id":"7528405","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2023-09-10T18:16:55.000Z","state":"VA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Hi I really need <em>your</em> help. I was fraudulently charged on my <em>card</em> after I closed my account. A Goldman Sachs employee confirmed my account is closed and no further charges will be incurred. Today, I received a delinquent notice from the <em>credit</em> bureaus. I really need help with removing this late report because I am in the process of buying a home. I need to report employee fraud as this was extremely <em>troubling</em> and fraudulent"],"product":["<em>Credit</em> <em>card</em>"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[11.896831,"7528405"]},{"_index":"complaint-public-v1","_id":"16011898","_score":11.867565,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I AM REPORTING THIS SECOND TIME SINCE IT FEELS LIKE THERE IS SOME TROUBLE IN THE PROCESS OF CREDIT COMPANIES HELPING ME. I WAS EXPERIENCING NOT THE GREATEST THING THAT U CAN EXPERIENCE IN OUT WORLD. THERE ARE INDIVIDUALS WHO GAINED ACCESS TO ME AND MY SETTINGS AND NOW THEY MADE THIS CARD COME INTO MY NAME I CALLED THE BANK AND CLOSED IT ALSO TOLD THEM THAT THIS IS NOT MINE AND THEY TOLD ME THAT THEY WILL DO EVERYTHING THATS ON THEM, NOW ITS YOUR TURN!","date_sent_to_company":"2025-09-17T21:05:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91607","tags":null,"has_narrative":true,"complaint_id":"16011898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-17T21:00:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I AM REPORTING THIS SECOND TIME SINCE IT FEELS LIKE THERE IS SOME <em>TROUBLE</em> IN THE PROCESS OF <em>CREDIT</em> COMPANIES HELPING ME. I WAS EXPERIENCING NOT THE GREATEST THING THAT U CAN EXPERIENCE IN OUT WORLD. THERE ARE INDIVIDUALS WHO GAINED ACCESS TO ME AND MY SETTINGS AND NOW THEY MADE THIS <em>CARD</em> COME INTO MY NAME I CALLED THE BANK AND CLOSED IT ALSO TOLD THEM THAT THIS IS NOT MINE AND THEY TOLD ME THAT THEY WILL DO EVERYTHING THATS ON THEM, NOW ITS <em>YOUR</em> TURN!"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.867565,"16011898"]},{"_index":"complaint-public-v1","_id":"2890287","_score":11.7871895,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have been a consumer of citi bank credit card and XXXX  XXXX XXXX for many years. I am a hard working law abiding citizen who believes in a persons second amendment rights. I have never been in trouble with the law and my tax dollars bailed out these 2 companies when their incompetence got them into serious trouble. Now these 2 companies want to restrict the second amendment rights of Americans who bailed them out? I dont think major corporations should be able to make their own laws especially in contradiction to the us constitution. If they are allowed to do this whats next? They dont have to provide services based on the color of your skin? Or maybe because they disagree with your political view? Not being able to get a home loan, not because you have bad credit but because the bank doesnt like you for ... ... fill in the blank. I fortunately have the ability to drop my longstanding relationships with these companies but some may not have that option. This is wrong, this is going down a slippery slope and it should not be allowed to stand.","date_sent_to_company":"2018-04-28T11:55:59.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"448XX","tags":null,"has_narrative":true,"complaint_id":"2890287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-04-28T11:32:24.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I have been a consumer of citi bank <em>credit</em> <em>card</em> and XXXX  XXXX XXXX for many years. I am a hard working law abiding citizen who believes in a persons second amendment rights. I have never been in <em>trouble</em> with the law and my tax dollars bailed out these 2 companies when their incompetence got them into serious <em>trouble</em>. Now these 2 companies want to restrict the second amendment rights of Americans who bailed them out?"],"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":[11.7871895,"2890287"]},{"_index":"complaint-public-v1","_id":"8173627","_score":11.773565,"_source":{"product":"Credit card","complaint_what_happened":"I used the Synchrony Amazon Store Card. When it was time to make payments, I would go on the website and the website said \" we are having technical difficulties and can not not access your account. Try again later. '' This happened 90 % of the time. It wouldn't let me access my account or look at statements. I incurred late fees, and each time I tried to pay, I would incur interest because it wouldn't let me pay them. CRAZZY.\n\nI cancelled the account, and paid interest for the late fees.\n\nThis is an awful credit card, and the only time in my life ( I am XXXX ) that I have had this kind of trouble paying a card. I have an XXXX credit rating. \n\nI do not recommend this card to anyone. Avoid it!","date_sent_to_company":"2024-01-18T13:41:50.000Z","issue":"Problem when making payments","sub_product":"Store credit card","zip_code":"28607","tags":"Older American","has_narrative":true,"complaint_id":"8173627","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-01-12T17:11:11.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["This is an awful <em>credit</em> <em>card</em>, and the only time in my life ( I am XXXX ) that I have had this kind of <em>trouble</em> paying a <em>card</em>. I have an XXXX <em>credit</em> rating. \n\nI do not recommend this <em>card</em> to anyone. Avoid it!"],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[11.773565,"8173627"]},{"_index":"complaint-public-v1","_id":"10618270","_score":11.702013,"_source":{"product":"Credit card","complaint_what_happened":"I have been a customer with XXXX credit card, have made a timely payment for XXXX years. I had a sudden change in my minimum payments to be from {$100.00} to recently being charged {$180.00} I requested for my minimum payment to remain the same due to financial hardship and current inflation, I was put on hold for over XXXX minutes until I got disconnected. As a responsible credit card holder I was treated unfair. I attempted to resolve this issue directly and requested to speak to a supervisor. I am requesting for my current balance due to be decreased significantly for my troubles attempting to resolve this issue. Thank you for your time","date_sent_to_company":"2024-10-29T03:39:45.000Z","issue":"Struggling to pay your bill","sub_product":"Store credit card","zip_code":"93065","tags":"Older American","has_narrative":true,"complaint_id":"10618270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-10-29T03:26:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company won't work with you while you're going through financial hardship"},"highlight":{"complaint_what_happened":["I am requesting for my current balance due to be decreased significantly for my <em>troubles</em> attempting to resolve this issue. Thank you for <em>your</em> time"],"product":["<em>Credit</em> <em>card</em>"],"issue":["Struggling to pay <em>your</em> bill"],"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":[11.702013,"10618270"]},{"_index":"complaint-public-v1","_id":"5526047","_score":11.611899,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Your boxes do not fit my situation. \n\nAround XXXX I opened a Target Red Card Mastercard. My daughter was in college so I got her a 2nd card to use for 2 years. Then we went through much trouble, but I was finally able to get her OFF my account, closed her 2nd card in around XXXX or XXXX. Today, my daughter told me that there is still an account in my daughter 's maiden name on her credit report ( impacting her credit ). She'll deal with that. \nMeantime, she called Target Red Mastercard- over the PHONE, she was given my current balance, personal information, upcoming transactions, etc. She's not even on my account! I see this a a breach in confidentiality and this has impacted me very negatively. I immediately canceled that credit card.","date_sent_to_company":"2022-05-18T16:19:54.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5526047","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2022-05-02T16:20:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["<em>Your</em> boxes do not fit my situation. \n\nAround XXXX I opened a Target Red <em>Card</em> Mastercard. My daughter was in college so I got her a 2nd <em>card</em> to use for 2 years. Then we went through much <em>trouble</em>, but I was finally able to get her OFF my account, closed her 2nd <em>card</em> in around XXXX or XXXX. Today, my daughter told me that there is still an account in my daughter 's maiden name on her <em>credit</em> report ( impacting her <em>credit</em> ). She'll deal with that."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> opened as result of identity theft or fraud"]},"sort":[11.611899,"5526047"]},{"_index":"complaint-public-v1","_id":"7760745","_score":11.55601,"_source":{"product":"Debt collection","complaint_what_happened":"Email received from NetCredit XXXX Please Make a Payment Today Dear XXXX, Account # : XXXX Please make a payment as soon as possible by signing in to your account or calling us at ( XXXX ) XXXX. \n\n\nYour account is severely past due. We understand that certain circumstances may affect your ability to meet your financial obligations, and NetCredit is here to help! If you are having trouble making a payment right now, please give us a call and see what payment options for your past due balance may be available to you. \nPlease find a detailed summary of your account below : Loan Number XXXX Past Due Payments 68 Past Due Amount {$10000.00} You can now make payments online with a valid debit card or bank account on file.","date_sent_to_company":"2023-10-26T16:04:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"60634","tags":"Older American","has_narrative":true,"complaint_id":"7760745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2023-10-26T15:56:17.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If you are having <em>trouble</em> making a payment right now, please give us a call and see what payment options for <em>your</em> past due balance may be available to you. \nPlease find a detailed summary of <em>your</em> account below : Loan Number XXXX Past Due Payments 68 Past Due Amount {$10000.00} You can now make payments online with a valid debit <em>card</em> or bank account on file."]},"sort":[11.55601,"7760745"]},{"_index":"complaint-public-v1","_id":"4716753","_score":11.541516,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Ive been having trouble with my American Express credit card applications. The card gets immediately approved but then, according to their customer service, gets stuck in production due to a System Glitch. On XX/XX/XXXX, I applied and was immediately approved for the XXXX XXXX XXXX. However, I didnt receive the card until 6 weeks later because the application even though approved, needs to be finalized by a team member. \n\nIve been a member of American Express since XXXX, thiss not how they, any other bank in the US, operate. When you apply for a card, your application gets approved, denied, or go pending. A card thats immediately approved does not require further processing that takes 4-6 weeks. \n\nThis also happened to my XXXX XXXX card application submitted on XX/XX/XXXX and currently, my XXXX XXXX XXXX card application that was submitted on XX/XX/XXXX.","date_sent_to_company":"2021-09-13T14:05:38.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"27713","tags":null,"has_narrative":true,"complaint_id":"4716753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-09-13T14:02:53.000Z","state":"NC","company_public_response":null,"sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["Ive been having <em>trouble</em> with my American Express <em>credit</em> <em>card</em> applications. The <em>card</em> gets immediately approved but then, according to their customer service, gets stuck in production due to a System Glitch. On XX/XX/XXXX, I applied and was immediately approved for the XXXX XXXX XXXX. However, I didnt receive the <em>card</em> until 6 weeks later because the application even though approved, needs to be finalized by a team member."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[11.541516,"4716753"]},{"_index":"complaint-public-v1","_id":"3592318","_score":11.512383,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Alliant Credit Union is the worst financial institution I have ever dealt with, in more than 25 years. \n\nI signed up for their Alliant Cashback Card, which awards unlimited 3 % cashback during the first year on all purchases. Within a couple of months, I received notice that they were changing their terms to cap the cashback only to the first {$10000.00} in purchases each month. \n\nEven more troubling, they make it very difficult to access your cashback. If you don't have another account with Alliant, your only option is to request a credit to your credit card balance. But they intentionally throttle these request -- in tiny print on their website, it says : \" Cash Back  rewards applied as a statement credit to your card may take up to two billing cycles depending on the date redemption is requested and the closing date of the billing cycle. '' I did not see this small notification, and so for two months I paid my account balance in full minus the amount of cashback I processed as a statement credit. Because of the intentional throttling, they charged me {$180.00} in interest. And although I spoke with multiple customer service representatives, including two different supervisors, they refused to refund any of these interest charges. Their position, which is absurd, is that they lack the discretion to ever refund any interest charges.","date_sent_to_company":"2020-04-07T23:23:51.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"200XX","tags":null,"has_narrative":true,"complaint_id":"3592318","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLIANT CREDIT UNION","date_received":"2020-04-03T21:47:30.000Z","state":"DC","company_public_response":null,"sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["If you don't have another account with Alliant, <em>your</em> only option is to request a <em>credit</em> to <em>your</em> <em>credit</em> <em>card</em> balance."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"company":["ALLIANT <em>CREDIT</em> UNION"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[11.512383,"3592318"]},{"_index":"complaint-public-v1","_id":"15584589","_score":11.496647,"_source":{"product":"Credit card","complaint_what_happened":"I have had an Apple Card ( Goldman Sachs ) for years and in perfect standing. \nYesterday I had an alert pop up saying the account was closed. I NEVER closed this account. I called asking for info on who or why it was closed. They could offer no reason but did told me that they had NO proof of me closing the account and I would have had to call. They told me that no record shows that I did call to close it. A day later they just say its now closed and they cant do anything. Even more troubling is the fact that I got an email minutes later saying they opened a new account under my old name. AGAIN.. This happened with no content by myself. \n\nBanks and credit card issuers are required by law to obtain your consent before opening an account in your name. Opening a bank account, credit card, or deposit account without your permission can be considered : An unauthorized account under the Truth in Savings Act or Truth in Lending Act A deceptive or unfair practice under the Consumer Financial Protection Act In some cases, a form of identity theft or fraud","date_sent_to_company":"2025-08-28T18:30:18.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"92101","tags":null,"has_narrative":true,"complaint_id":"15584589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-08-28T18:12:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Even more <em>troubling</em> is the fact that I got an email minutes later saying they opened a new account under my old name. AGAIN.. This happened with no content by myself. \n\nBanks and <em>credit</em> <em>card</em> issuers are required by law to obtain <em>your</em> consent before opening an account in <em>your</em> name."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Closing <em>your</em> account"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Company closed <em>your</em> account"]},"sort":[11.496647,"15584589"]},{"_index":"complaint-public-v1","_id":"3443998","_score":11.462013,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"To Whom it may concern : In XX/XX/2019 I moved to XXXX, the XXXX for a new job. In XX/XX/2019, I lost my wallet. I called all of my credit card companies and reported that I had lost my wallet. With some of the companies, I had no issue getting a new credit card sent to my new address in XXXX and others I had a little more trouble with. Since my TD Bank credit card was one that I had trouble receiving at my new address, I figured that I'd wait until I returned back to the US to pick the credit card up then. \n\nOn XX/XX/2019, I called into TD bank to have my card mailed to my US address so that I would be able to pick it up from my house while home for XXXX. \nUpon speaking with an agent they informed me that TD bank had closed my card and would not be reissuing me a new one. I then spoke to the \" supervisor on duty '' who informed me that TD had chosen to not reissue my card due to the card not being used enough. When I explained that I had lost the card when I first moved overseas he simply stated he was sorry and that if I want the card back that I would need to reapply. \n\nI'm writing this complaint because I believe my card was unjustly shut down. I'm still making payments on the card, I like the credit card and the fact that I haven't \" used it in a long time '' seems like a very soft reason to shut it down. Furthermore, how do you expect someone to use their credit card if you don't ship it to their address outside of the country? \n\nI have the police report from the city of XXXX and will be submitting a copy in order to corroborate this information. Again, I feel as though my credit card account was unjustly shut down and would like to have it reopened. \n\nThank you for your time, XXXX XXXX","date_sent_to_company":"2019-11-19T06:35:58.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3443998","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2019-11-19T06:18:00.000Z","state":"PA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I called all of my <em>credit</em> <em>card</em> companies and reported that I had lost my wallet. With some of the companies, I had no issue getting a new <em>credit</em> <em>card</em> sent to my new address in XXXX and others I had a little more <em>trouble</em> with. Since my TD Bank <em>credit</em> <em>card</em> was one that I had <em>trouble</em> receiving at my new address, I figured that I'd wait until I returned back to the US to pick the <em>credit</em> <em>card</em> up then."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Closing <em>your</em> account"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Company closed <em>your</em> account"]},"sort":[11.462013,"3443998"]},{"_index":"complaint-public-v1","_id":"1421882","_score":11.446274,"_source":{"product":"Debt collection","complaint_what_happened":"Good evening, I 'm constantly receiving mail and phone calls from Portfolio Recovery Associates LLC in reference to a credit card that I have no recollection of. What 's troubling is, it 's the same lady calling every time. The Merchant is XXXX XXXX XXXX in which I had a checking account but I had poor credit then so I do n't recall having had a credit card from this bank. However, this account is past ten years now. I 've been harrassed for almost five years by the same woman. The bottom of the letter even states \" Because of the age of your debt, we will not sue you for it and we will not report it to any crefit reporting agency '' How can I get them to stop harrassing me or can I sue them or her for emotional distress? Their number is XXXX, located in XXXX Virginia. Thanks for your time and help. Be Blessed!","date_sent_to_company":"2015-06-15T21:46:16.000Z","issue":"Communication tactics","sub_product":"Credit card","zip_code":"33147","tags":null,"has_narrative":true,"complaint_id":"1421882","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2015-06-15T21:46:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["Good evening, I 'm constantly receiving mail and phone calls from Portfolio Recovery Associates LLC in reference to a <em>credit</em> <em>card</em> that I have no recollection of. What 's <em>troubling</em> is, it 's the same lady calling every time. The Merchant is XXXX XXXX XXXX in which I had a checking account but I had poor <em>credit</em> then so I do n't recall having had a <em>credit</em> <em>card</em> from this bank. However, this account is past ten years now. I 've been harrassed for almost five years by the same woman."],"sub_product":["<em>Credit</em> <em>card</em>"]},"sort":[11.446274,"1421882"]},{"_index":"complaint-public-v1","_id":"3029531","_score":11.443728,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"i did not choose the best option. citibank card ending XXXX been a customer for years. on or about XX/XX/XXXX tried making a payment the automated delayed me and heard what i did not say i complained about it on or about XX/XX/XXXX was told i would get a XXXX dollar credit when i called to check i was told no you were given it in XXXX. well then i should not have been promised it but once i was i should be given it and i have not been. as such i am not using my cards any citi anymore til resolved. Futher, i ordered a NEw card replacement on or about XX/XX/XXXX SPECIFICALLY told to mail regular not fast since i was away XX/XX/XXXX to XX/XX/XXXX well they mailed it anyway and charged me and it sat outside my house for a week. i specifically said not to do this and they charged me for it to boot which is illegal esp since specifically not authorized. Credit me XXXX   for my trouble or i go further. period. XXXX for the promise i never got XXXX for a charge i did not ask for is not authorized specifically the opposite and anything you would want for your troubles like me. til then no use at all on any card tired of haaving me time wasted speking to people who cant speak english and being XXXX","date_sent_to_company":"2018-09-26T10:09:39.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"3029531","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-09-26T10:01:55.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["XXXX for the promise i never got XXXX for a charge i did not ask for is not authorized specifically the opposite and anything you would want for <em>your</em> <em>troubles</em> like me. til then no use at all on any <em>card</em> tired of haaving me time wasted speking to people who cant speak english and being 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>"],"sub_issue":["You never received <em>your</em> bill or did not know a payment was due"]},"sort":[11.443728,"3029531"]},{"_index":"complaint-public-v1","_id":"2162356","_score":11.38231,"_source":{"product":"Bank account or service","complaint_what_happened":"I am in the process of filing bankruptcy and thereby, collecting information for my lawyer. \nIn XXXX XXXX, I had a PC Richard Credit Card from GE Capital consumer Card Company. They have informed me that the statute of limitations has run out. However, XXXX XXXX has been calling me endlessly to collect on this debt, including on a Sunday evening. GE Capital Consumer Card Company changed its name to Synchrony Financial in XXXX to reduce its exposure to the finance business. XXXX XXXX initiated a series of moves to separate this area of the company. That included the Synchrony Financial spinoff and renaming. I am reading on a consumer website that many unaware customers have had trouble contacting Synchrony Financial and thereby incurring interest/late fee 's and having their credit destroyed by this company as my credit was destroyed by this company. \nPlease look into this company and I thank you for your time.","date_sent_to_company":"2016-10-15T14:50:29.000Z","issue":"Problems caused by my funds being low","sub_product":"Other bank product/service","zip_code":"11354","tags":null,"has_narrative":true,"complaint_id":"2162356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2016-10-15T14:50:29.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am reading on a consumer website that many unaware customers have had <em>trouble</em> contacting Synchrony Financial and thereby incurring interest/late fee 's and having their <em>credit</em> destroyed by this company as my <em>credit</em> was destroyed by this company. \nPlease look into this company and I thank you for <em>your</em> time."]},"sort":[11.38231,"2162356"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":993,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":993}]}},"product":{"doc_count":993,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":237,"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":181},{"key":"Store credit card","doc_count":21}]}},{"key":"Credit card or prepaid card","doc_count":199,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge 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