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[ { 'Date received': '2/28/17',
    Product: 'Credit card',
    Issue: 'Other fee',
    'Consumer complaint narrative': 'Was a happy XXXX card member for years, in late XX/XX/2016 XXXX converted the card portfolio to Barclaycard ( XXXX ). We almost never carry a balance over, but we started to in XX/XX/XXXX and Barclay has been overcharging the interest expense every month. Instead of charging interest on the carried balance they charged it on the entire average balance. So if we charged {$3000.00} last month and carried {$3000.00} from previous months then they charged us 15 % of the {$6000.00} = {$75.00}, should have been {$37.00} in interest charges. They are double dipping, getting the interchange fee ( 1.5 % of purchase, equal to an 18 % apr ), plus they are getting the interest on the purchases at 15 %, that is the equivalent of an 33 % interest charge. \r\nI feel this practice is very unethical, if not illegal. We converted, not by our choice, from XXXX to Barclaycard MasterCard, so if we leave we lose all the points we acquired in previous years. Completely unfair and is why the big financials have the hated reputation they have now. Hope you folks over there can investigate.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'BARCLAYS BANK DELAWARE',
    State: 'MA',
    'ZIP code': '027XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '2/28/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '2364257' },
  { 'Date received': '2/18/17',
    Product: 'Credit card',
    Issue: 'Credit line increase/decrease',
    'Consumer complaint narrative': 'Without provocation, I received notice that my credit line was being decreased by nearly 100 %. My available credit was reduced from $ XXXX to XXXX ( the rough amount of my available balance ). \r\n\r\nWhen I called to question the change, I was provided a nob-descript response referencing my XXXX report. It was my understanding that under the FCRA I was entitled to a copy of this report, but was refused by Citi and have been given no further explanation. \r\n\r\nThis is predatory in that it affects my utilization of credit, further subjecting me to increase in APrs, etc and a higher cost of credit without any reason.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'IL',
    'ZIP code': '606XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '2/18/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2349987' },
  { 'Date received': '9/2/16',
    Product: 'Credit card',
    Issue: 'Rewards',
    'Consumer complaint narrative': 'Signed up for the American Express XXXX Card when they had the XXXX points bonus offer. Met the minimum spend of {$3000.00} in 3 months. Received the bonus on XXXX/XXXX/16 and they have taken back the XXXX point bonus on XXXX/XXXX/16, called american express customer support was not given any details as to why they have taken the bonus back only that it was a " point adjustment \'\' and the representative could not tell me anything more. I have done nothing illegal or immoral using any of my amex cards and can not see why the points are being taken back.',
    Company: 'AMERICAN EXPRESS COMPANY',
    State: 'AZ',
    'ZIP code': '864XX',
    Tags: 'Servicemember',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '9/2/16',
    'Company response to consumer': 'Closed with non-monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2094460' },
  { 'Date received': '12/8/16',
    Product: 'Credit card',
    Issue: 'Credit card protection / Debt protection',
    'Consumer complaint narrative': 'I have been trying to cancel some monthly subscription charges on my XXXX card. I can not get in touch with the companies who are charging me. I changed my account number. XXXX allows monthly subscriptions to pass through to the new credit card account number. I was charged twice by a company that uses preditory marketing stratagies. They now have my new credit card information. Many companies large and small ; legitamate or completely dishonest know this monthly subscription loophole. The American consumer has to be protected from preditory, fraudulent and otherwise dishonest businesses. It should be easy to shut off the money flow.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'BANK OF AMERICA, NATIONAL ASSOCIATION',
    State: 'NY',
    'ZIP code': '115XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '2/10/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2241272' },
  { 'Date received': '4/2/15',
    Product: 'Credit card',
    Issue: 'Credit determination',
    'Consumer complaint narrative': 'Hello Dear CFPB I want to share my experience and complaint regarding very unfair and bias way i was treated by US BANK and there employees a specially XXXX XXXX in Fraud Department. On XXXX XXXX XX/XX/2015 I received offer from US bank to apply Cash plus Visa Signature card. After a lit bit thoughts i decided to apply as i did not have any relationship with US BANK and wanted to start because the card had a lot of reward and other perks. After applying my application went directly to FRAUD department which was really very weird and i surprised for me. making long story short i contacted Us bank and was Welcomed by VERY RUDE Disrespectful person name XXXX XXXX who was from beginning start accusing me that i will take this card spend and never pay them back even though i have VERY exceptional credit and I \'m very responsible borrower having just used 2 percent of my total available credit NEVER been Late and doing all my best to Never have any delinquent or negative mark in my credit. XXXX XXXX start making assumptions that im high risk that i have available credit and and because i do n\'t have balance XXXX day i might take all credit available to me spend and never pay back. I have great job great credit and i was treated very very biased and i do n\'t afraid use word maybe even discriminated. I ask him politely to speak to supervisor and he did n\'t wanted to transfer by saying on behalf of supervisor that supposedly he would tell me same thing but after me pressing him he finally transfered me where i left message and never got all back. Couple days later i received this letter the reasons of my application denial which is completely false all reasons. i attached to see all of them and also im happy to send my updated credit bureau with XXXX XXXX which shos i have VERY EXCEPTIONAL CREDIT the same credit which they rated XXXX score XXXX they denied me credit based on all false injustice reasons. Im giving my consent to please investigate and know the TRUE on my behalf dear Consumer Financial Protection Bureau. All this process was VERY UNFAIR BIASED AND IM SURE I WILL CLEAR MY NAME BECAUSE MY CREDIT CARD APPLICATION WAS NOT SUPPOSE TO BE IN FRAUD DEPARTMENT IN FIRST PLACE. Please assist me to find justice and to credit equal access to credit based not on any type of XXXX religion or national origination but based on facts and the facts are i have as i stated very exceptional credit great job and income and still my application goes to fraud department for no resaon. thank you very much',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'U.S. BANCORP',
    State: 'CA',
    'ZIP code': '912XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/2/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '1312648' },
  { 'Date received': '4/1/15',
    Product: 'Credit card',
    Issue: 'Privacy',
    'Consumer complaint narrative': 'To whom it may concern, Only after weeks of using my new Wal-Mart master card was I given the option to opt out of personal information sharing including : Social Security #, income, account balance, payment history, credit history and credit scores. According to the supervising operator at the wal-mart credit card call center my personal information had already been shared. Furthermore, the letter informing me of my rights was apart from my billing statement. Seemingly hidden between some flyers in the same envelope. I almost threw it in the recycle bin without seeing it. If this is not illegal it certainly appears to be an attempt to deceive me and disseminate my private information without my permission. Thank you for your time and effort. Sincerely, XXXX XXXX',
    Company: 'SYNCHRONY FINANCIAL',
    State: 'TX',
    'ZIP code': '764XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/3/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1310721' },
  { 'Date received': '6/29/16',
    Product: 'Credit card',
    Issue: 'Customer service / Customer relations',
    'Consumer complaint narrative': 'I have a Citi Bank Att Universal credit card for over 13 y years. I can not manage my account on line since the the account is closed and I am not allowed online access. \r\nI have to contact customer service by phone in order to make changes or discuss my account. My complaint is about the customer service representatives. They are not professional and totally incompetent. I requested to have my automatic payment reduced from {$250.00} per mo. \r\nto {$120.00} and 3 different representatives assured me ( including a supervisor ) that the change was made but it was not. Since I can not manage my account online I have no recourse but to rely on customer service reps. \r\nLast night a rep was just telling me anything and I knew it was incorrect. She was a foreignor and she was totally incompetent and even lied about my account. I want to file a formal complaint about Citi Bank and take any necessary steps to do whatever to have this issue resolv resolved for me.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'NJ',
    'ZIP code': '074XX',
    Tags: 'Older American',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '6/29/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1990262' },
  { 'Date received': '9/11/16',
    Product: 'Credit card',
    Issue: 'Unsolicited issuance of credit card',
    'Consumer complaint narrative': 'I had gone into a Wells Fargo bank when I lived in XXXX XXXX California because I lost my Debit card, the teller had me meet with one of the managers at his desk, and they tried to talk me into a college credit card I told him I did n\'t want another credit card and no thank you I just needed a replacement debit card. Two weeks later I received a credit card and a debit card in the mail. I was so aggravated I worked XXXX jobs and was taking XXXX units in college I did n\'t have time to go to the bank or to sit on the phone right away to cancel the card. Within a couple of weeks I had a small overdraft and it went strait onto the credit card and at that point I knew this was going to show up on my credit report and I was trying to keep my revolving credit low. Since then I have been trying to pay this card off and close the account but it has cause me to have late payments and has just been a devstaing to my creidt and has blocked me from buying the home of my dreams.This card has been nothing but a headache affecting my ability to get a home, and a new car with a good rate this has been haunting me for a little while now. I had gone into the bank since then and told the teller and she stated I would have to call the bank. I was so shocked that someone could do this and they do n\'t even want to fire the guy, he was there at work that day I went in and pointed him out to the teller and all she said was to call. XXXX',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'WELLS FARGO & COMPANY',
    State: 'NY',
    'ZIP code': '131XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '9/11/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2105627' },
  { 'Date received': '2/6/16',
    Product: 'Credit card',
    Issue: 'Credit line increase/decrease',
    'Consumer complaint narrative': 'Macy \'s American Express card limit was decreased for no apparent reason. The card was overpaid accidentally and used to bring the balance back to XXXX. A week later the limit was decreased from {$10000.00} to {$500.00}. This will negatively impact my credit FICO score which is in the XXXX range ; no lates ; with a XXXX % credit usage.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'MA',
    'ZIP code': '015XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '2/6/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1776447' },
  { 'Date received': '7/21/16',
    Product: 'Credit card',
    Issue: 'Closing/Cancelling account',
    'Consumer complaint narrative': 'I was charged {$170.00} for renewal of a credit card that I did not need or use. At the time I was cancelling the card I was led to believe that the " points \'\' associated with that card would remain intact for me to use for the purposes that were available ( airfare, hotels, etc ). However after the card was cancelled I found that I had forfeited all of my points. The value of these points on a " cash out \'\' basis would have been about {$1200.00} which clearly had I known about would not have exchanged for the {$170.00} the bank wanted to charge and which I chose not to pay. My telephone conversation with the customer service agent was recorded. At no time did he indicate to me that I was going to lose my existing balance of earned points under that card account.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'WELLS FARGO & COMPANY',
    State: 'CA',
    'ZIP code': '940XX',
    Tags: 'Older American',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '7/21/16',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2021694' },
  { 'Date received': '7/4/16',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'My wife used her Bank of America ( BOA ) credit card to book a hotel room in XXXX. She was half way there and had to return due to bad weather ( snow ). When she returned the hotel was ok with cancelling the reservation and understood. The hotel could not do anything since it was booked thru XXXX. My wife called XXXX and explained the situation. They told her she had to have permission from the hotel. She said she did and went in circles with XXXX for some time. She even called back with both parties from XXXX and the hotel on the line with her at the same time. XXXX still refused to remove the charge and wanted to charge us in full. We filed a complaint with BOA and they held the charge for investigation, then sent us a letter saying it was resolved, then removed the charge. We thought we were done when we saw the charge appear again several months later. BOA said we were accidently credited twice. We pulled our statements and got back to them to say that they were incorrect. They agreed and said that the charge would be removed. We then got a letter from BOA saying that they were going to proceed with the charges from XXXX. My wife spent at least 6 hours total on the phone with all parties to get this resolved, but had no luck. Complete lack of customer service by all parties. We will be getting rid of our BOA credit card ( after having it for about 16 years ) and will certainly never use XXXX again.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'BANK OF AMERICA, NATIONAL ASSOCIATION',
    State: 'MI',
    'ZIP code': '490XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '7/5/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '1996876' },
  { 'Date received': '4/5/17',
    Product: 'Credit card',
    Issue: 'Identity theft / Fraud / Embezzlement',
    'Consumer complaint narrative': 'My business debit cards were stolen from my mail box, my bank had sent my debit cards with ( factory pins ) to my business address, I had no knowledge of this until the day the transactions happened. ( I had no knowledge of this because i still did n\'t have access to my mailbox, i was waiting for the landlord to give me the key for the mailbox ). I contacted my bank as soon as possible and reported the incident but i was asked to wait until the transactions posted. I had also requested that all the cards linked to my account to be cancelled immediately but the representative failed to do one of them so more transaction posted the next day.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'BANK OF AMERICA, NATIONAL ASSOCIATION',
    State: 'CA',
    'ZIP code': '958XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/5/17',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2420310' },
  { 'Date received': '6/4/15',
    Product: 'Credit card',
    Issue: 'Rewards',
    'Consumer complaint narrative': 'Re : Chase Visa XXXX, BA Executive Club XXXXDear people : I have a Visa card, referenced above, issued by Chase, that awards British Airways points for spending. The statement generates on the XX/XX/XXXX of each month and normally the points are posted by British Airways by around the XX/XX/XXXX of the month. This month, the XXXX XXXX statement points already have posted and today is only XXXX XXXX. \r\n\r\nHowever, the XX/XX/XXXX points ( Visa statement attached ) never posted. \r\n\r\nWhen I call British Airways, they tell me to talk to Chase. When I talk to Chase, they tell me to talk to British Airways. It seems that somewhere in the bank, my points are stuck in some sort of limbo and I am feeling like a tennis ball going back and forth between the XXXX of them. \r\n\r\nCan you convince Chase to make certain these points are sent to British Airways for me?',
    Company: 'JPMORGAN CHASE & CO.',
    State: 'IL',
    'ZIP code': '600XX',
    Tags: 'Older American',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '6/4/15',
    'Company response to consumer': 'Closed with non-monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1406103' },
  { 'Date received': '6/10/15',
    Product: 'Credit card',
    Issue: 'Bankruptcy',
    'Consumer complaint narrative': 'I had XXXX credit card accounts with HSBC. They were both discharged in chapter XXXX bankruptcy. On my credit reports they were showing the status as " CHARGED OFF \'\'. I disputed these accounts with the credit bureaus and they both came back as verified. I then wrote HSBC a certified letter asking them to update these accounts to show that they were " INCLUDED IN BANKRUPTCY \'\'. I sent the letter certified mail. That was 3 months ago and I have not received a response from them. I then disputed the accounts again in XXXX and once again they came back as verified.',
    Company: 'HSBC NORTH AMERICA HOLDINGS INC.',
    State: 'PA',
    'ZIP code': '152XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '6/12/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1414182' },
  { 'Date received': '4/10/17',
    Product: 'Credit card',
    Issue: 'Other fee',
    'Consumer complaint narrative': 'I applied for a MasterCard through Barclaycard bank in XXXX of XXXX. On XXXX XXXX, XXXX, I received a letter from Barclaycard confirming my eligibility to receive XXXX ( XXXX ) benefits. The letter stated that the following terms would apply to my MasterCard Gold Card account as long as I was on XXXX XXXX. \r\n-The Annual Percentage Rate ( APR ) for all balances have been lowered to 0.0 % -All transaction fees, if any, will be waived -Any transaction fees and finance charges applied since your XXXX XXXX start date of XXXX XXXX, XXXX will be credited back to you. \r\nOn XXXX XXXX, XXXX, I received a letter from Barclaycard stating that they reviewed their Department of Defense records and discovered that my account is not eligible to receive the protection under the XXXX but they extended certain benefits to my account based on their policy. The letter goes on to state going forward Barclaycard will no longer waive the annual fee for my account and as a result a charge of {$990.00} will be appear on my statement in XXXX XXXX ; however, the 0 % APR and other fees will still apply while I \'m on XXXX XXXX.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'BARCLAYS BANK DELAWARE',
    State: 'VA',
    'ZIP code': '234XX',
    Tags: 'Servicemember',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/10/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2426957' },
  { 'Date received': '10/31/16',
    Product: 'Credit card',
    Issue: 'Delinquent account',
    'Consumer complaint narrative': 'I had a Target Red Card credit card for over three years with an unblemished payment history. My statements were sent by e-mail and I would then pay online, always in full. Last XXXX, I did not receive a statement from Target. I do not remember the exact dates for all of my financial obligations and rely on statements from my creditors. Two months later, I received an e-mail from Target informing me they were turning me over to a collection agency. I called them and told them I wanted to pay the debt in full but also wanted to cancel the card because their statement system did not seem adequate ( i.e. no statements sent ) and I could n\'t take any chances with ruining my credit. They informed me that it was my responsibility to know when the bills were due and if I cancelled my care, I would never be able to get another one again. I told them that was fine, this was n\'t working for me, and I had other credit cards. I paid the card in full and owed nothing to Target. In XXXX of 2016, I applied for new car insurance because it was much cheaper. I was told that I would have to pay {$150.00} more for insurance because I had an entry on my credit card. I got a copy of my credit report, and for the first time in my adult life ( I \'m XXXX ), I had a bad credit report from Target. I am now also applying for XXXX jobs and have found out this can also affect my ability to get a job. Target does not have any customer service contacts for this issue as I do not have a Target Red Card anymore and you need a card number to log in into the customer service portal. There is no other mechanism for contacting them about this issue. My question is, if I paid them in full two months after the debt was due, why have they ruined my credit rating? This card has cost me far more than I ever saved by using it and now it is going to potentially impair my ability to get a job. I feel as if I \'ve committed a felony and I would like Target to resolve this ; I do n\'t owe them anything and they did n\'t have to pay anything to collect the debt. It just seems like sheer vindictiveness, which I think stems from my not wanting to use their card anymore. I hope you can help me or direct me to help at Target.',
    Company: 'TD BANK US HOLDING COMPANY',
    State: 'VA',
    'ZIP code': '221XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '10/31/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '2186512' },
  { 'Date received': '5/25/16',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'Thought card was on autopayment, it was not. I attempted to submit payments online through Capital One \'s website and thought everything was good. I \'ve paid on time with Capital One ever since I opened my account. They sure were quick to report me as 30 days late on all credit bureaus. I contacted them and they told me they can not do anything. I contacted all XXXX credit bureaus and they informed me to contact Capital One. I \'m stuck in this endless loop. I understand that they do n\'t have to make any adjustments. But, I believe their website had issues and I do n\'t understand why they are so adamant about not helping me.',
    Company: 'CAPITAL ONE FINANCIAL CORPORATION',
    State: 'CO',
    'ZIP code': '802XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '5/27/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1940479' },
  { 'Date received': '4/13/17',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'I \'m currently serving on XXXX in the XXXX. I applied for the Barclays Bank Luxury Gold card because at the time, Barclays had a great reputation for programs they offered to military members. They went well above and beyond the SCRA standard. They offered 0 % APR as part of the SCRA agreement. They also waived all transaction fees and well as the {$990.00} annual fee to all XXXX Military for the duration of their service. This is the explicit reason I applied for this card this past XX/XX/XXXX. In XX/XX/2016 Barclays decided to change to terms and conditions they offered to new Military members. They stated they were trying to bring them selves in line with everyone else in terms of SCRA. Every card service representative I talked to stated that if you were a previous card holder this would not affect you. Only new account holders after XX/XX/2016. After 10 month of having this card I received a notice in the mail stating that they could no longer honor the original terms and would begin accessing my account the annual fee of {$990.00}. I understand that Barclays Bank went well beyond any other creditor in regards to SCRA. However, not honoring the original terms of agreement to current card members is just bad business.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'BARCLAYS BANK DELAWARE',
    State: 'CA',
    'ZIP code': '932XX',
    Tags: 'Servicemember',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/13/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2433297' },
  { 'Date received': '10/5/15',
    Product: 'Credit card',
    Issue: 'Identity theft / Fraud / Embezzlement',
    'Consumer complaint narrative': 'On XXXX/XXXX/2015 I received a telephone call from Barclay Card XXXX. They advised me by voicemail that they wanted to verify my information for a recent credit card application. They provided me with an identifying number : XXXX and a return telephone # XXXX. I have never applied to Barclay Card for a credit card. I telephoned Barclay Card and was put in touch with a security consultant. She asked for my identifying number. I gave her the number. She returned to the line and asked me for my DOB and SSN. I told her that since she had pulled up my information, she could tell me the information and I would verify if was me. She stated she could not do that. I asked to speak to a supervisor. Another female got on the telephone and basically re- invented the wheel. She told me the same information. At this point I hung up. I went into XXXX XXXX and saw that a hard credit inquiry had posted on my credit history. Earlier this year, person XXXX XXXX ) unknown had attempted to get a federal tax refund by filing a false tax return using my tax information and the IRS and FTC indicated this was an attempt at identity theft. I woul appreciate help in getting this removed from my credit report. Again, I have never applied for a Barclay Card credit card.',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'BARCLAYS BANK DELAWARE',
    State: 'NC',
    'ZIP code': '273XX',
    Tags: 'Older American',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '10/15/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1593394' },
  { 'Date received': '3/10/17',
    Product: 'Credit card',
    Issue: 'Closing/Cancelling account',
    'Consumer complaint narrative': 'Credit card account with Sears issued by Citibank was wrongly reported as a charge off to the credit bureaus after being closed by Citibank. Account received monthly payments as required but reported after due date and without notifying any late payment, past due balance or any contact for orientation account was closed affecting my credit. After closing account the balance was paid in full in XX/XX/XXXX, in my XXXX credit report is reporting as it was closed on that date XX/XX/XXXX affecting more my credit score because the account was closed on XX/XX/XXXX. Account was opened on XX/XX/XXXX and closed in XX/XX/XXXX',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'PR',
    'ZIP code': '007XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '3/10/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2380170' },
  { 'Date received': '10/12/15',
    Product: 'Credit card',
    Issue: 'Rewards',
    'Consumer complaint narrative': 'The credit card company ( American Express ) changed my credit card from one type ( Blue Cash ) to another ( Blue Cash Everyday ) without my consent, and I would lose cash back money because of that. My current card has an annual cycle system for cash back, which means that the cash back I get depends upon the purchases I have made with this card during a 12 month period. My cycle starts on XXXX of XXXX of each year, and I get a lower cash back percentage for the first {$6500.00} I spend with this card, and after that I get more cash back percentage. This year \'s cycle also started on XXXX of XXXX, and in the past 4 months, I have made most of my purchases with this card so that I reach the {$6500.00} limit as soon as possible, and start getting more cash back. Now, just when I am about to reach this limit, the credit card company has sent me a letter notifying me that my card has been converted to a different type, which has a completely different cash back system, and as a result, I would receive much lower cash back compared to what I would have gotten with the old card upon reaching the {$6500.00} limit. I contacted their customer service many times and all of their agents understood my issue, but ultimately did n\'t do anything other than apologizing to me. I told to the agents that this is cheating, and they said that this is a company-wide policy and they have no control on it. As a solution, I offered them to change my card after my current cycle ends, but they denied it. I also offered them to give a higher cash back on previous and future purchases to compensate for my loss, but they denied it.',
    Company: 'AMERICAN EXPRESS COMPANY',
    State: 'IL',
    'ZIP code': '604XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '10/12/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1603029' },
  { 'Date received': '10/20/16',
    Product: 'Credit card',
    Issue: 'Other fee',
    'Consumer complaint narrative': 'Since i dont use my citi thankyou premier card much, i decided to downgrade to citi double cash back card to avoid the annual fee. I contacted citi and asked to downgrade my card. They did it and told me that they would remove the annual fee since there is no annual fee for the new card. After 1-2 weeks later, I found out that the fee is still there and called them again, asking to remove. They told me they would do it. Now, it has been more than a month, they still did not remove it yet. They made me have to pay it.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'IL',
    'ZIP code': '606XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '10/20/16',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2168327' },
  { 'Date received': '10/6/16',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'XX/XX/XXXX, I attempted to use my credit card and was denied. I called up Compass Bank and was told there was a hold on the card as there was fraudulent activity on it. Since then, over 3 months later, the charges and accruing interest have not been removed despite phone calls and repeated visits to the bank. \r\nThe excuse used is that I have to dispute the charges, despite Compass knowing they are fraudulent as they told me about the dubious charges in the first place. I have requested numerous times a hard copy of their dispute form and so has my banker, all to no avail. \r\nWhat is particularly galling in all this is that Compass Bank is well aware that these charges are fraudulent and yet refuse to remove them from my credit card. \r\nOnly one banker has bothered attempting to help me, the rest of Compass Bank customer service has been abysmal bordering on contemptuous.',
    Company: 'BBVA COMPASS FINANCIAL CORPORATION',
    State: 'CO',
    'ZIP code': '802XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '10/6/16',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2147232' },
  { 'Date received': '11/6/16',
    Product: 'Credit card',
    Issue: 'Payoff process',
    'Consumer complaint narrative': 'My closing agent mailed a check to payoff my CITI credit card on XXXX for {$2600.00} the check was cashed on XXXX by CITI, but as of today CITI still shows that my credit card have not been paid off. They are charging me late fees and reducing my credit line because of this issue.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'GA',
    'ZIP code': '300XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '11/6/16',
    'Company response to consumer': 'Closed with non-monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2196794' },
  { 'Date received': '10/21/15',
    Product: 'Credit card',
    Issue: 'Unsolicited issuance of credit card',
    'Consumer complaint narrative': 'I have called and asked to be taken off their mailing list several times and a couple months later there is another credit card offer. Today XXXX/XXXX/2015 they sent another. How can I get them to stop. This has happened every 2 months for the last 3 years. thank you',
    Company: 'CAPITAL ONE FINANCIAL CORPORATION',
    State: 'MN',
    'ZIP code': '553XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '10/23/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1618314' },
  { 'Date received': '10/19/16',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'I have been with USAA for more than 10 years and had a XXXX with them in good standing for just as long. On XXXX XXXX 2016, a charge was fraudulently made on the XXXX and shortly after that, USAA stopped using XXXX and changed their card to XXXX. This balance from the XXXX was transferred onto the XXXX which replaced the XXXX, and I did n\'t find out until a couple months later that there was a balance on my new card ( which had never been activated by the way ). After making several 2 hour long phone calls to USAA regarding this, a security credit was issued to the old XXXX but was never transferred over to the XXXX. Therefore, it shows a balance on the XXXX for which USAA is holding me responsible despite several phone calls over the past 4 months to USAA to try and rectify this.',
    'Company public response': 'Company believes it acted appropriately as authorized by contract or law',
    Company: 'UNITED SERVICES AUTOMOBILE ASSOCIATION',
    State: 'FL',
    'ZIP code': '349XX',
    Tags: 'Servicemember',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '10/19/16',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2165858' },
  { 'Date received': '1/22/17',
    Product: 'Credit card',
    Issue: 'Credit card protection / Debt protection',
    'Consumer complaint narrative': 'I have a credit card with Wells Fargo for over 10 years. I \'ve never been the type to check statements but recently began to and was surprised to learn that I have been getting charged monthly for a service called credit protection. This is not a service that I ever agreed to. I contacted Wells Fargo and a representative agreed to refund the charges dating back to XX/XX/XXXX totaling around {$110.00}. I demanded that all charges dating back to when the card was opened to be refunded. She stated that she personally could only do the 6 months but was sending information to the credit defense program in a " ticker \'\' and that they would be able refund the full amount. Unfortunately the number she gave me was closed that day and I was unable to receive any confirmation that all the charges would be refunded. Simply typing this program into google revealed that this was a long running scam by Wells Fargo and that many people have had this exact issue. Wells Fargo is even facing a class action over this.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'WELLS FARGO & COMPANY',
    State: 'TX',
    'ZIP code': '782XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '1/22/17',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'No',
    'Consumer disputed?': 'No',
    'Complaint ID': '2302864' },
  { 'Date received': '4/8/17',
    Product: 'Credit card',
    Issue: 'Credit card protection / Debt protection',
    'Consumer complaint narrative': 'I applied for the Barclays Gold Luxury Card under the impression that annual fees for XXXX military would be waived while I was in possession of it and maintained good standing. I received a letter stating this and also followed up with the organization late in XXXX to ensure there were no changes in store. I was assured that no changes would be made for military members. \r\n\r\nThe intent of my application was clear, however I just received a letter stating that I will be required to pay a {$990.00} annual fee beginning XX/XX/XXXX. I feel I should be grandfathered into the annual fee waiver as I applied before this changed as a military member. Additionally, this will financially impact me negatively.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'BARCLAYS BANK DELAWARE',
    State: 'IL',
    'ZIP code': '098XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/10/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2426335' },
  { 'Date received': '12/14/16',
    Product: 'Credit card',
    Issue: 'Credit card protection / Debt protection',
    'Consumer complaint narrative': 'I closed my Key Bank account in XXXX. I had a credit card linked with the bank and asked to close that as well which they said they could and did. I told customer service at this time that I have not received a bill for the credit card either by email or by mail and they said it was just being sent out and I would receive it in the next few weeks. I am in the market to buy a house and found out that Key Bank put a nonpayment on my credit report. I called customer service again in XXXX several times, each time being disconnected or being passed around to the wrong department. My initial {$29.00} bill had become {$130.00}. I had still not received a billing statement and did not want to pay all the late fees etc and admit that I was at fault without a bill. After several more calls in XXXX, and being passed around to different bank departments I was still not able to talk with the right people regarding paying my bill and fixing my credit. I contacted the bank in XXXX and was told they would request all the fees dismissed and asked me to call back in a few days. I called back and was told all fees were dropped but they had no authority to fix my credit even though they stated they were at fault. I paid the {$29.00} that I owed and was told that I would have to submit a complaint to the cfpb to have my credit fixed. I am very angry that my credit can be destroyed without my knowledge when I am not at fault. It has cost me much time in phone calls, disconnects etc. I am waiting for it to be fixed so that I can get a mortgage without having to pay a higher interest rate. Key Bank customer service stated that this has been happening to other customers but it seems like they have done nothing to fix the problem of billing and causing hardship to customers.',
    Company: 'KEYCORP',
    State: 'OH',
    'ZIP code': '801XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '12/14/16',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2247469' },
  { 'Date received': '1/20/16',
    Product: 'Credit card',
    Issue: 'Closing/Cancelling account',
    'Consumer complaint narrative': 'I attempted to add my friend as an authorized user to my Barclays XXXX XXXX on XXXX/XXXX/2016. My account was placed in a limited mode with absolutely no warning or notice given to me on XXXX/XXXX/16. I am unable to make any purchases. I called Barclaycard XXXX on XXXX/XXXX/16 and spoke to the front line CSR. She informed me that they had requested certain information from me and it was not received. She stated that the request for information was sent yesterday ( XXXX/XXXX/16 ). I received no such request, and no requests at all. I decided i did not want to deal with card shutdowns on my own account, so I asked to withdraw the request to add an authorized user to my account. The front line CSR stated that this was impossible now that the notation was on my account requesting information. I then stated that I wanted to cancel my account. I was told i could not cancel my account. I asked to speak to a supervisor. XXXX, the supervisor, restated the same inforamation that the front line CSR had stated. It \'s impossible for me to fathom that I can not close my own credit card account. I have paid off the entire balance on my card, maintained a very positive relationship, and have never had a late payment.',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'BARCLAYS BANK DELAWARE',
    State: 'CT',
    'ZIP code': '061XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '1/20/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1749628' },
  { 'Date received': '4/15/16',
    Product: 'Credit card',
    Issue: 'Identity theft / Fraud / Embezzlement',
    'Consumer complaint narrative': 'On XXXX XXXX, I received an alert from American Express that they will send a new credit card to me. I called that same day to say I did not order a new card and was told that someone requested that my current card be cancelled and a new card be sent to an address that is not on my card. Amex said they would not send the card, yet the next day I received an email that said they sent a new card to XXXX. For at least XXXX hours I spoke to many supervisors and managers all over the world who would not tell me how this happened. They said that whoever called knew enough about me to be identified as me - but not one of them could tell me exactly what information that included. After many phone calls, I resorted to getting an attorney and sending a letter ( including the FTC complaint and police report ) to the address their operator in XXXX HQ told me to, American Express XXXX XXXX, CEO XXXX, XXXX XXXX Since I sent the letter on XXXX XXXX, I still have no information, or even a response or acknowledgement that they even received my letter, though I have a post office alert that it was delivered on XXXX/XXXX/2016. \r\nToday I spent more time trying to get someone on the phone from that department, or their legal department, and each time I thought I was being transferred to the right person, again I was sent to a different customer service area. I asked for a supervisor in the customer service area, and was sent to NOT a supervisor. I have spent an inordinate amount of time with a simple request. \r\nMust I pay an attorney and rely on the legal system to get these details!? This is the poorest excuse for customer service I have ever seen in my life - and from a company I had been doing business with for many years, and I have had multiple Corporate Amex cards. \r\nDirectly after this occurred, I spent a lot of time adding a 7-year freeze on my credit bureau records, and also froze all of my credit cards, investment and bank accounts, alerted the IRS - all of the things I was supposed to do. \r\nI spent another hour today trying to get information from American Express, and was again told someone would call me back... not hopeful. XXXX later, no return phone call. \r\nI just want the information requested so that I may take steps to protect myself from this issue happening again, and hopefully expose some security deficiency in their processes so this will not happen to someone else.',
    Company: 'AMERICAN EXPRESS COMPANY',
    State: 'MI',
    'ZIP code': '481XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/15/16',
    'Company response to consumer': 'Closed with non-monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '1881540' },
  { 'Date received': '8/15/16',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'This complaint is against Sears MasterCard and the refusal of that company to remove an unauthorized and contested charge. \r\nDetails : 1. On XXXX XXXX, XXXX I made the mistake of enrolling with a company called XXXX, headquartered in XXXX. \r\n2. The fee for a 2-year enrollment was {$290.00} and was paid for with the Sears MasterCard. \r\n3. The account number for this card is : XXXX. \r\n4. After enrollment with XXXX I received a " Paid Invoice \'\' document stating it is for " Membership ( 2 Years ) which is attached as an exhibit to this complaint. \r\na. I believe this receipt was mailed to me using the US Postal Service. \r\nb. No other document was received. \r\n5. Nothing was received stating any of the " Terms and Conditions \'\' of membership especially as relates to cancellation or re-enrollment for any services. \r\n6. No notification was received from XXXX as to a yearly fee of {$99.00}. \r\n7. No communication was received from XXXX whatsoever. \r\n8. When I received my Sears MasterCard statement for XXXX, XXXX the amount of {$290.00} payable to XXXX was shown. ( See the pdf file attached which contains documentation related to this complaint. ) 9. The {$290.00} charge was not disputed as I had authorized its payment. \r\n10. The XXXX XXXX statement for the Sears MasterCard showed a charge of {$99.00}. \r\n11. The amount of {$99.00} on the XXXX XXXX statement was not authorized. \r\n12. I called Sears Account Inquiries at XXXX to dispute this charge and to advise this was not an authorized charge. \r\n13. XXXX made an unauthorized charge to this account. \r\n14. The XXXX XXXX statement from Sears MasterCard shows a {$99.00} credit to my account. \r\n15. The XXXX, XXXX statement from Sears MasterCard shows a {$99.00} debit to XXXX. \r\n16. Sears MasterCard sent a letter dated XXXX XXXX, XXXX advising they could not " ... .recover the funds on this charge ... \'\' for reasons stated. See the XXXX XXXX Sears MasterCard statement in the document submitted. \r\n17. Shortly after I received the XXXX XXXX, XXXX letter from Sears MasterCard I again called to protest this charge and to demand it be rescinded. I had not authorized this charge and was not notified that the {$99.00} would be charged to me unless I took action to stop the charge. \r\n\r\nThe documents attached as a pdf file are those referenced in the narrative above. \r\nI repeat, the charge of {$99.00} assessed by XXXX was not, repeat not authorized and I demand it be removed permanently. \r\nThis is the second time I have had great difficulty with Sears MasterCard refusing to remove unauthorized charges. \r\nPlease see that Sears MasterCard credits my account for the {$99.00} and does so on a permanent basis.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'AR',
    'ZIP code': '723XX',
    Tags: 'Older American',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '8/15/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2063769' },
  { 'Date received': '2/23/16',
    Product: 'Credit card',
    Issue: 'Credit card protection / Debt protection',
    'Consumer complaint narrative': 'I owe a debt to a credit card company that I was unable to pay due to some financial set backs. The company contacted my sister and lied about being a lawyer and serving me with papers at my job if I did not return the phone call to them. I then called the company after my sister gave me the information from the rude collector, and was yelled and screamed at and told that they would be to my job to serve me when I called myself. I was never informed of what the debt was for or what the amount was, and was told that I had committed fraud and would be handled legally.',
    'Company public response': 'Company believes complaint caused principally by actions of third party outside the control or direction of the company',
    Company: 'Continental Finance Company, LLC',
    State: 'IN',
    'ZIP code': '468XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '2/23/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1799886' },
  { 'Date received': '12/30/16',
    Product: 'Credit card',
    Issue: 'Identity theft / Fraud / Embezzlement',
    'Consumer complaint narrative': 'My Discover Card was used fraudulently. I reported the charge I did not recognize. Seven days later I received a message that my new card had been mailed, however the address was incorrect. I called Discover and they informed me that someone had changed the address within the seven days since the fraudulent charge. Why was someone allowed access to change an address during a fraud dispute? Why was the card mailed without my verification of the correct address? In addition, when I called Discover their Customer Service did n\'t seem to verify my identity and a Fraud Specialist by the name of XXXX offered to reset my online password. A human accepts my password?? I did n\'t reset it. It seems that Discover has serious flaws in their security procedures. As usual with large institutions, the public can not speak to an executive. I am not asking for any action specific to my issue. I just want someone from CFPB to inform Discover that their security procedures need a strong review.',
    Company: 'DISCOVER BANK',
    State: 'CA',
    'ZIP code': '948XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '12/30/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2269289' },
  { 'Date received': '2/27/17',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'I could add money on the XXXX card and then load the money to my XXXX account for my daily spend. But I did not notice the pin has already been scratched when i purchased this card and in this case the money load will directly go to the first purchaser who originally scratched the pin and loaded some money. And this happened at the XXXX store.After I went home, I found that the pin was scratched and called XXXX card and I immediately called XXXX to file a dispute. They have identified that it is a fraud and has requested XXXX to suspend the XXXX account of the original purchaser of this card and instructed me to file a police report to further get my money back. \r\nAfter I filed the police report and the officer who was in charge told me that he contacted XXXX and XXXX told him they would not disclose any info unless there was a subpoena. \r\n\r\nAgain, I filed a dispute regarding this with my XXXX card which I used to make the purchase but it was denied due to the documentation provided by XXXX that it was activated. Yes, it was activated but the money went to the theft who put the used XXXX card in the first place',
    Company: 'AMERICAN EXPRESS COMPANY',
    State: 'CA',
    'ZIP code': '945XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '3/6/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2362196' },
  { 'Date received': '4/11/16',
    Product: 'Credit card',
    Issue: 'Advertising and marketing',
    'Consumer complaint narrative': 'I received an application for the American Express Platinum Card in the mail ( RSVP XXXX ). When reading the fine print for access to XXXX, as one of the benefits, the AMEX advertisement under " Additional Disclosures, Number XXXX \'\' makes this statement " The Card Member \'s spouse and children under the age of XXXX or up to XXXX companions may enter the club as complimentary guests. \'\' Per XXXX Access and Policies ( XXXX ), it states : " Platinum American Express cardholders may enter the club with up to XXXX guests for an additional fee. \'\' That fee is {$29.00} per guest. This policy was last updated on XXXX XXXX, 2015. The AMEX policy was last updated in XXXX 2015. \r\n\r\nThese XXXX advertisements are in direct contradiction. The AMEX advertisement fails " Truth-In Advertising Laws \'\' established by the FTC.',
    Company: 'AMERICAN EXPRESS COMPANY',
    State: 'NC',
    'ZIP code': '283XX',
    Tags: 'Servicemember',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/11/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1873674' },
  { 'Date received': '7/14/16',
    Product: 'Credit card',
    Issue: 'Credit line increase/decrease',
    'Consumer complaint narrative': 'WELL, MY ACCOUNT WITH SEARS CITIMASTERCARD WAS OPENED BACK IN 2013 WITH AN ORIGINAL CREDIT LIMIT LINE OF {$5000.00}. NOW, FOR REASONS UNKNOWN OR FOR REASONS OUT OF SPITE OR DISRESPECT, MY CREDITOR JUST RECENTLY LOWERED MY CREDIT LIMIT LINE DOWN TO {$4200.00}?! NOW, WHAT THAT MEANS, IS THAT CITIMASTERCARD WILL CONTINUE CHARGING MY FEES FOR BEING OVER THE LIMIT AT NO FAULT OF MY OWN!! UNLESS I FILE BANKRUPTCY? I TRULY BELIEVE THAT CITIMASTERCARD ENGAGES IN USARY & CHACANERY & FRAUD!',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'MD',
    'ZIP code': '210XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '7/14/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2013112' },
  { 'Date received': '4/8/17',
    Product: 'Credit card',
    Issue: 'Other fee',
    'Consumer complaint narrative': 'I obtained a Barclaycard, MasterCard Gold Card, with the agreement under SCRA benefits that the annual {$990.00} fee would be waived while I remained on XXXX military service. Recently I received notice in the mail that Barclaycard is now revoking their promise to honor this agreement and will be applying the annual fee at the one year mark in XX/XX/2017 ( my ownership of the account ).',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'BARCLAYS BANK DELAWARE',
    State: 'VA',
    'ZIP code': '234XX',
    Tags: 'Servicemember',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/8/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2426023' },
  { 'Date received': '6/10/16',
    Product: 'Credit card',
    Issue: 'Other',
    'Consumer complaint narrative': 'Contacted Synchrony Bank regarding my Sam \'s Club Credit card on the XX/XX/XXXX to ask for a credit increase of an additional {$4000.00}. to pay for a boiler for my home. The credit increase was approved immediately. \r\nOn XXXX I transferred {$3500.00}. from my savings to checking and made a payment on my Sam \'s account and on XXXX my husband made a payment of {$3300.00}. from his bank account to the same Sam \'s account. \r\nCalled the bank on XXXX at XXXX because the available credit balance was {$10000.00}. I was told that a hold for the {$3500.00}. payment was put on hold because I had made XXXX large payments on my account and the hold would be release after 48 hours. I did get upset on the phone since my understanding that a wire transfer from one bank to another was immediate and could not be held. The payment on Sam \'s website said posted. The {$3300.00}. payment from my husband \'s account made on XXXX was processed with no issue. Not sure why they put a hold on the first payment not knowing I was making a second payment for making XXXX large payments. I was also told that they can put holds on payments and did not have to notify me. The account manager said I could get another credit increase, which she processed and came back to say that I could get an increase of an additional {$1500.00}. Refused increase because it did not help out of the situation to pay for the boiler on Friday. I asked to have the terms and conditions sent to me by email that identifies that they can hold payment if XXXX large payments were made on the same account. Still have not received. She transferred me to an underwriter to see if the credit increase could be {$4000.00}. which was needed. After trying to process again, he came back and said he could increase for additional {$1000.00}. I said I would file a complaint not knowing what else to do. \r\nAfter calling no satisfaction and said I would file a complaint',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'SYNCHRONY FINANCIAL',
    State: 'MI',
    'ZIP code': '492XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '6/10/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1964497' },
  { 'Date received': '6/28/15',
    Product: 'Credit card',
    Issue: 'Credit card protection / Debt protection',
    'Consumer complaint narrative': 'Capital One violated the FCRA 623 ( a ) Duty to Provide Accurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a CRA if the furnisher " knows or has reasonable cause to believe that the information is inaccurate. Capital One violated the FCRA : Duty to Correct and Update Information. Capital One violated the FCRA : Duty to Provide Notice of Delinquency of Accounts. \r\nCapital One reported credit card account XXXX to credit bureaus after receiving written notices of disputes from me directly and disputes that I submitted to credit bureaus regarding this account. However, Capital One violations of the FCRA are denoted on my credit file for its reporting on said account without complete credit history which does not allow for the calculation of when the information will expire also Capital One continuously re-ages this account all in violations of the FCRA.',
    Company: 'CAPITAL ONE FINANCIAL CORPORATION',
    State: 'NC',
    'ZIP code': '278XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '6/28/15',
    'Company response to consumer': 'Closed with non-monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '1441803' },
  { 'Date received': '3/14/17',
    Product: 'Credit card',
    Issue: 'Identity theft / Fraud / Embezzlement',
    'Consumer complaint narrative': 'I am filing this complain against M & T Bank which has filed a late payment with XXXX credit card bureaus. In 2013, My employee stole my credit card and used it. I was not aware of theft until I received a past due bill from M & T Bank for {$410.00}. I paid this bill as soon I realized that my credit card used by him. Despite many pleas to the bank to remove late payment from my credit, they have refused to do. It has been four years since this late occurrence, my credit has been damaged by one single late payment. Bank was sending minimum balance, however, I paid the entire balance. I will ask you to have bank remove this late payment. Because of late payment on my credit, i can not refinance my house or buy a car.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'M&T BANK CORPORATION',
    State: 'MD',
    'ZIP code': '211XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '3/29/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2386977' },
  { 'Date received': '12/10/16',
    Product: 'Credit card',
    Issue: 'Transaction issue',
    'Consumer complaint narrative': 'I obtain a car rental in XXXX XXXX from XXXX. I pay for the rental via my Chase credit card. The transaction was processed in US dollars instead of XXXX using XXXX XXXX XXXX. This was done without my approval or knowledge. I did not sign anything authorizing the merchant \'s made up inflated exchange rate. I wanted the transaction converted via the XXXX network, as specified in my cardmember agreement with Chase, and I was n\'t given the change to express my choice. I disputed the charge with Chase, and I \'m being told that because the transaction occured by chip, and not swipe, my signature is not required to uphold the charge. The merchant violated XXXX International rules and Chase refuses to process a chargeback to the merchant.',
    Company: 'JPMORGAN CHASE & CO.',
    State: 'NY',
    'ZIP code': '148XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '12/10/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '2243181' },
  { 'Date received': '10/6/15',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'I made a payment online to pay my Macy \'s credit card in full. I received a notification by email that my payment had been applied to my account. I never received any further notification that the payment was rejected. Macy \'s contends that they sent me a letter by mail -- even though I had elected to receive notifications by email -- but I did not receive any such letter, nor did I receive an email. I was not notified of the returned payment until my next statement, at which point a {$25.00} returned check fee had been applied. Macy \'s refuses to refund the {$25.00} returned check fee. They contend that the check was returned because the account number I provided was for a closed account. However, they admit that the account number they recorded was only XXXX digits long. It is not possible that I entered a XXXX account number in both fields where the account number is requested in the Macy \'s online payment flow. I \'m aware that my account number is much longer than XXXX digits, and the Macy \'s system should not and would not accept a XXXX account number. It \'s clear that the payment was rejected due to a technical error on the part of Macy \'s, and that I was not informed of this error in a timely manner. Furthermore, as a result of this issue, I incurred an adverse credit score. I would like to request your assistance with reversing the returned check fee that Macy \'s charged me, as well as repairing the damage to my credit score.',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'CA',
    'ZIP code': '941XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '10/6/15',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1594380' },
  { 'Date received': '3/10/17',
    Product: 'Credit card',
    Issue: 'APR or interest rate',
    'Consumer complaint narrative': 'I have been receiving mails from the Discover directly addressed to me with attractive introductory offers like 0 % APR for 14 months on purchases and balance transfers and it had a special invitation number for availing this offer. The expirstion date for availing this offer was mentioned as XX/XX/2017. It was also mentioned that it is a prescreened offer based on my credit report indicating that I meet certain criteria. \r\n\r\nOn seeing all these wonderful false promises from Discover, I filed an application with Discover for a new card. And I got approved for the card but to my horror, none of the offers were applied to my account. I called the company to clarify the issue and even provided the invitation number that was in the mail. But they declined to provide me any offers and did not give me a valid reason for declining these. They only mentioned that the offers are based on credit and refused to provide further information. \r\n\r\nThe only reason that I applied for this card was to avail the offers they had mentioned in the mail and it is very misleading. Either they should not be sending mails promising these offers or they must keep up the promise. I feel that they use these fake offers to attract customers and once they open the account, no offers are applied to the account and at this point the customer can not close the account as it would negatively impact my credit score. \r\nI feel that I am being tricked into applying a discover card and I now regret for having applied since the customer service is really poor. \r\n\r\nI would like to demand an explanation on why those letters are sent specifically to me and why I was denied these offers later. How did you get my information in the first place for sending those info and what did you mean by prescreened offers? What is the reason for making these false promises of you are not going to provide them in reality? I am sure that I am not the first victim and but I wish to be the last.',
    Company: 'DISCOVER BANK',
    State: 'AZ',
    'ZIP code': '852XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '3/10/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2380631' },
  { 'Date received': '4/9/15',
    Product: 'Credit card',
    Issue: 'Identity theft / Fraud / Embezzlement',
    'Consumer complaint narrative': 'We had fraud in our office and money was stolen and accounts were taken out that we personally did not nor signed to open.',
    Company: 'JPMORGAN CHASE & CO.',
    State: 'NV',
    'ZIP code': '891XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/9/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1323023' },
  { 'Date received': '6/23/16',
    Product: 'Credit card',
    Issue: 'Rewards',
    'Consumer complaint narrative': 'Late last year, in 2015 I went ahead and applied for a CITI Gold Package account. The account package offered a XXXX XXXX XXXX miles bonus directly targeted to me. The miles where to be awarded to my XXXX XXXX account after meeting XXXX stipulations, that I pay XXXX bills from the account and that I spend at least {$1000.00} using the debit card. I completed both of these stipulations well within the time frame allotted and for the last six months have invested over 5 hours of call time and a number of emails have been sent over to Citi in order to get to the bottom of why the miles have never been added to my XXXX XXXX account. I feel that Citi is using these promotional tactics to bait customers into opening accounts and then reneging on their end of the deal. I do n\'t feel that this practice is fair to consumers and I feel it is predatory.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'IL',
    'ZIP code': '604XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '6/23/16',
    'Company response to consumer': 'Closed with non-monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1981977' },
  { 'Date received': '4/14/17',
    Product: 'Credit card',
    Issue: 'Payoff process',
    'Consumer complaint narrative': 'I entered into a settlement agreement with Bank of America in the amount of {$1700.00}. Bank of America set-up installment payments to be automatically withdrawn from my account. The installments were incorrectly set-up by the bank, and I therefore defaulted on the agreement. I paid {$1400.00} of the {$1700.00} settlement. The remaining balance on the credit card then went into collections, was charged off, and was then sold to a collection agency. I did my best to pay the full amount of the settlement only to later learn it was not satisfied due to what is clearly bank error. Not only do I still owe on this account according to the bank and the new owner of the debt, but my credit is even further damaged.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'BANK OF AMERICA, NATIONAL ASSOCIATION',
    State: 'NC',
    'ZIP code': '275XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/14/17',
    'Company response to consumer': 'Closed with non-monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2436524' },
  { 'Date received': '11/18/16',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'In XX/XX/XXXX, my husband passed away after a 3 month hospital stay. Not long after, I was inundated with medical bills, as well as I was working with his attorney to dissolve his Chapter 13 bankruptcy that was filed in XXXX. It was a very painful experience but after several months every creditor was notified of his passing, death certificates were sent, and I was able to begin the grieving process. In late XXXX I received a call and a letter from Portfolio Recovery. I explained to them the situation and they told me the account would be closed. In the last 24 months since then I have received numerous calls and letters from Portfolio Recovery. I have asked numerous times for verification of the debts they have for me and they have yet to provide me the information despite the fact that they have my mailing address. This has also been reported my credit report, and while it does show disputed, there has been no effort to provide proof of the debt to have this corrected.',
    Company: 'PORTFOLIO RECOVERY ASSOCIATES INC',
    State: 'OH',
    'ZIP code': '440XX',
    Tags: 'Older American, Servicemember',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '11/21/16',
    'Company response to consumer': 'Closed with non-monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2215871' },
  { 'Date received': '7/23/16',
    Product: 'Credit card',
    Issue: 'Other fee',
    'Consumer complaint narrative': 'i know i will get a script back, nothing from Consumer protection it appears that no matter how badly a customer is treated they do and say nothing- this is third poss report on the same still unresolved issue and is truly illustrative of horrible customer serice, relations. and resolutions. so badly i am seriously reconsidering where to bank. on XXXX XXXX despite being told it would not be credited before i was informed my interest on my credit card would be refunded. on XXXX XXXX i called to confirm i was told YES. then on XXXX XXXX after i used the card ONCE on XXXX XXXX i asked about the foreign transaction fee said i was unaware this would be billed and why. at that time XXXX a SUPERVISOR told me all would be credited interest and foreign fee. Nothing has been credited despite these communications. now the answer i know i will get based on past experience is that the bank despite the time and money they spend fighting me will still not refund me. of course i was tricked into using the card XXXX XXXX which i would not have done .and only did based on being told i would be refunded. The number of emails, letters clearly exceed the time and cost of refunding me properly. clearly means customer is not valued. i do not need or want credit card agreement that is because i am not questioning it. i am a good customer and i deserve this esp in light of how this has been hndled. if its not refunded i will now take further action. no scripts needed in the answer no reiteration of how many times i was refunded. since for all those times. you have refunded deadbeats who are past due. just refund it like i was PROMISED do DAMAGE control and to consumer protection finance please publish this. banks need to spend more time getting to know customer than scripting them to death for months making promises they dont keep wasting my precious time.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'WELLS FARGO & COMPANY',
    State: 'NJ',
    'ZIP code': '085XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '7/23/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2026721' },
  { 'Date received': '2/20/16',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'I booked a rental car to be picked up in XXXX, XXXX and return at XXXX, XXXX in XXXX 2015 through a website XXXX and pay with my Chase Ink Business Plus credit card. The rental fee I paid ( {$410.00} ) in advance included snow tire, one-way drop fee, etc. and other charges. At the time of pick-up, the clerk from rental car company, XXXX, requested I authorize a security charge on my Chase Ink card and assured me that it \'s for security garantee purpose. Whe I returned the car in XXXX, I was directed to park the car at a underground parking garage with no human present and just lock and leave it there. My credit card was later charged an additional {$900.00}, and XXXX sent my a bill listing service charges that I either have already paid through XXXX or have never listed in the original service list. I filed a dispute with Chase on the duplicate service charges as well as un-listed service charges. My disput was denied by a Chase staff XXXX XXXX on the ground that " services were delivered \'\'. I called Chase to find out how I can appeal the decision and I was told the only way was to send a fax. I did send and appeal with all evidence of duplicate/unlisted charges. I stated that I was disputing duplicate and unlisted charges, not whether service delivered. The appeal was denied by the same person ( XXXX XXXX ) simly with the same reason " services were delivered \'\'. I don \'t feel that Chase has really looked at my appeal, instead just sent it to the same person who just threw it back to me.',
    Company: 'JPMORGAN CHASE & CO.',
    State: 'CA',
    'ZIP code': '940XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '2/20/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1796490' },
  { 'Date received': '12/21/16',
    Product: 'Credit card',
    Issue: 'Credit line increase/decrease',
    'Consumer complaint narrative': 'Earlier this year I applied for a Walmart Credit Card through Synchronicity Bank and was approved with a credit limit of {$1000.00}. Today I received a letter from Synchronicity Bank stating that my credit limit has been cut from {$1000.00} to {$250.00} ( which also happens to be the balance on the card ). Now I did have another account that had a delinquent payment, but that account was caught up and current the next month. So, yes my credit score had fallen a bit, however, another reason my score had fallen was because Synchronicity Bank decided to close an account through XXXX that I did n\'t ask for, did n\'t apply for and never used that had a {$0.00} balance. Because it was " closed by the creditor \'\' hurt my score. I have always paid significantly more than the minimum payment due and had no issues with my WalMart credit account. They cut my credit limit by 75 % using a score from 4 months ago and adding the insult " your score has likely not changed significantly since the date of this score \'\'. I searched the internet to find out what a significant change in my score would be and found out that an increase or decrease or XXXX is significant. Well, since the date of the score they used and basically saying that I would n\'t be able to raise my score.. I have increased my score by XXXX. I was so insulted by the actions by Syncronicity Bank that I called and cancelled my card only to be insulted by the customer service agent I was talking to. I decided to close this card before they used a credit score from 10 years ago to close the card and have another " closed by credit granter \'\' mark on my record.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'SYNCHRONY FINANCIAL',
    State: 'MN',
    'ZIP code': '554XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '12/22/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '2258969' },
  { 'Date received': '5/12/16',
    Product: 'Credit card',
    Issue: 'Customer service / Customer relations',
    'Consumer complaint narrative': 'I had a huge issue with American Express for my credit card when I requested to have my name revised and my address updated. \r\n\r\n1. I have not receive my new credit card as promised. \r\n2. I have not been reimbursed the expenses I incurred to verify my identity as I told. This is all recorded and I have submitted the invoice as well as the request of a credit for the harassment they incurred.',
    Company: 'AMERICAN EXPRESS COMPANY',
    State: 'MI',
    'ZIP code': '481XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '5/12/16',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1922855' },
  { 'Date received': '8/28/15',
    Product: 'Credit card',
    Issue: 'Billing statement',
    'Consumer complaint narrative': 'I have had trouble making payments on my Macy \'s credit card. I do all of my payments online and Macy \'s is the most troublesome. They offer a payment tab on their store credit card online account profile but the site is almost always blocked. I tried from several sources to complete this request and then resorted to calling them at their customer service line XXXX @ XXXX, only to hear a message stating that I should call during regular business hours. Making it this difficult to make a payment is their standard memorandum operandi. I now have to go back to paper billing to have a consistent and reliable way to pay my bills.',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'CA',
    'ZIP code': '945XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '8/28/15',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1542760' },
  { 'Date received': '1/9/16',
    Product: 'Credit card',
    Issue: 'Other',
    'Consumer complaint narrative': 'My husband lost his job and I was unable to pay my credit card payment for some time. After my account charged off Capital One has sent my account to a collection agency XXXX Attorney \'s at Law. I began making token payments every few months and I got a letter from XXXX stating that as long as I continued to pay according to the agreement that we had made they would not take my account to court. I have never spoken on the phone with them, I have never made any sort of arrangements with them. So I continued to make payments when I could, as much as I could. I did not get monthly billing statements, I did not even know what my balance was at any given time. In XXXX 2015 I did finally get a bill stating that I owed {$1100.00} on my account and for XXXX my husband paid off my account for me on XXXX/XXXX/2015. To my horror I just discovered that this firm has filed suit against me in court Case XXXX. To my knowledge my account, although previously charged off, should be paid in full and should be reporting as such to the credit agencies now. I feel that this is a violation of UDAAP as it was deceptive to pretend that they had entered into some sort of an agreement with me without ever speaking with me. I feel it is abusive to continue to collect a debt and even file suit against a debtor that has paid off their account. I feel that it is unfair to not send monthly billing statements to a customer and expect them to know what is owed on a loan. Service providers for large banks should be held to the same standard as the big banks.',
    Company: 'CAPITAL ONE FINANCIAL CORPORATION',
    State: 'CA',
    'ZIP code': '924XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '1/9/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1734972' },
  { 'Date received': '5/9/16',
    Product: 'Credit card',
    Issue: 'Application processing delay',
    'Consumer complaint narrative': 'I opened this card under the assumption I would receive XXXX ThankYou points upon opening the card, with a spending requirement of {$0.00}. I \'ve called-in numerous times to hear these points would be awarded within 1 to 2 billing cycles. I just want these points so I can end this relationship with Citi.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'IL',
    'ZIP code': '618XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '5/9/16',
    'Company response to consumer': 'Closed with non-monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1915354' },
  { 'Date received': '2/18/17',
    Product: 'Credit card',
    Issue: 'Rewards',
    'Consumer complaint narrative': 'Accrued credit card reward points in lieu of purchases were forfeited.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'WELLS FARGO & COMPANY',
    State: 'NY',
    'ZIP code': '131XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '2/18/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2349856' },
  { 'Date received': '5/30/16',
    Product: 'Credit card',
    Issue: 'Transaction issue',
    'Consumer complaint narrative': 'I made an online payment to Citi Bank on the Citi Bank web site. The money was withdrawn from my bank account. Now Citi Bank claims to not have received the payment and has no record of the payment. I called Citi Bank to dispute the payment and I am getting the run around. Citi Bank opened an investigation and than immediately closed the investigation without telling me. I have reopened an investigation with Citi Bank to resolve this issue. I am also contacting my bank from which the payment to Citi Bank was debited ( online my bank shows the Citi Bank payment as having been made ). But Citi Bank is calling up to 4-6 times a day. I have tried to get Citi Bank to note the account that there is a dispute but after speaking to XXXX people ( acct. representative, an acct. supervisor, and a billing representative ) Citi Bank states that they can not guarantee that I will not receive continued collection calls on this disputed payment. I spent over an hour on the phone with these XXXX getting conflicting information from each new person as to how this dispute can be resolved in an expiendient manner.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'MI',
    'ZIP code': '483XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '5/30/16',
    'Company response to consumer': 'Closed with non-monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1946703' },
  { 'Date received': '9/2/16',
    Product: 'Credit card',
    Issue: 'Customer service / Customer relations',
    'Consumer complaint narrative': 'Capital One blocked my credit card because I redeemed miles on the account. To verify the account they demand ID, front and back, Social security card front and back and a utility bill. I consider these demands for verification onerous and absurd. They will " unblock the account \'\' after 72 hours! No other bank engages in such demands.',
    Company: 'CAPITAL ONE FINANCIAL CORPORATION',
    State: 'LA',
    'ZIP code': '700XX',
    Tags: 'Older American',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '9/2/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '2093839' },
  { 'Date received': '9/1/15',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'On XXXX/XXXX/15 I authorized Macys ( Department Stores National Bank ) to pay my account from my checking account on XXXX/XXXX/15. A letter from was sent to me confirming that this was authorized and would be done. It turns out that the Department Stores National Bank has been updating its system ( did not advise the customers ) and never processed my payment. They accused me of not paying my bill and assessed a late fee against my account. They refuse to reverse the charge even after I provided them with the confirmation # received at time of my processing and letter from them acknowledging I scheduled a payment.',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'NJ',
    'ZIP code': '088XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '9/1/15',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1546562' },
  { 'Date received': '9/14/15',
    Product: 'Credit card',
    Issue: 'Closing/Cancelling account',
    'Consumer complaint narrative': 'Citibank closed my account without any notice or ability to for me to take action that would avoid the closure. I believe this is an example of unfair and deceptive business practices. My account was in good standing and open since 1998. Citibank claimed that the account was closed due to inactivity. There is nothing in the card member agreement that addresses this topic, nor has Citibank disclosed their policies regarding card inactivity. The card member agreement for this card can be found online at : XXXXI tried to resolve with Citibank, and they forced me to begin a brand new application process that would enter me as a brand new customer. This would void my tenure with this account/institution, and thus have an impact on the portion of my Credit Scores that is tied directly to the length of time that my credit history is intact. This action by Citibank was unnecessary, and it will have a negative impact on my credit rating. As such, my ability to obtain credit from future institutions may be damaged.',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'PA',
    'ZIP code': '180XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '9/14/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1562851' },
  { 'Date received': '4/3/15',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'A dispute was filed on my Chase Visa card in XXXX XX/XX/XXXX and I was notified in writing from the Chase Bank, XXXX XXXX, Ohio branch on XXXX XXXX XX/XX/XXXX that the dispute was complete, NO credits could be reversed, and I could return the item purchased to the company that the dispute was filed against, XXXX XXXX XXXX XXXX. The merchandise was returned to XXXX XXXX, XXXX on XXXX XXXX, XX/XX/XXXX via XXXX and a signature was required to receive the product - thus guaranteeing that the company received the returned merchandise. Thus, I no longer have the original product that the dispute was filed against. Then on XXXX XXXX XX/XX/XXXX, I received a letter that stated Chase Card Services needed additional information regarding the dispute and then on XXXX XXXX XX/XX/XXXX I received a call from Chase Card Services that they were reapplying the charges to my Visa card. These notifications were a direct breech of the original statement and finalization of the dispute made by Chase on XXXX XXXX, XX/XX/XXXX. Currently, my Chase Freedom card has been re-billed with the outstanding balance of {$1300.00} from the dispute that was allegedly completed on XXXX XXXX, XX/XX/XXXX, even though I currently no longer have the product in my possession as it has been received and signed for by XXXX XXXX XXXX XXXX. I have contacted Chase Card Services regarding this matter as well as my local Chase bank and staff, and all parties have mixed stories, have not helped me resolve this issue, and have recommended that I take action to further the alleged completed dispute as a " re-dispute \'\' even though I was notified on XXXX XXXXXX/XX/XXXX by Chase that the dispute was made FINAL and gave me instructions to return the disputed product.',
    Company: 'JPMORGAN CHASE & CO.',
    State: 'OH',
    'ZIP code': '453XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/3/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1315122' },
  { 'Date received': '3/10/16',
    Product: 'Credit card',
    Issue: 'Other',
    'Consumer complaint narrative': 'Capital One offers a unique program to their customers through their website where a customer can combine XXXX credit cards. The minimum criteria are listed on the web site, with no other terms or conditions about the program available. XXXX of my Capital One credit cards meet this listed criteria. The website tells me I \'m still not eligible. I called capital one and spoke to a supervisor. I was informed that it was a back end decision, and although my cards meet the criteria listed on the website, their system has said I am not eligible. When I asked why, they informed me that even they did not know, and there was no way to find out. \r\n\r\nSo on the one hand, I have met all of the criteria made publicly available to consumers. On the other hand, Capital One is saying I have not met the right criteria, and can not tell me why. \r\n\r\nI fully understand if there is criteria I have not met, but to simply be told " You \'re not eligible, and we ca n\'t tell you why \'\' does n\'t work for me, and seems more like false advertisement than anything else. If I were to be told exactly why I was not eligible, then that at least gives me something to go off of other than " Better luck next time \'\'.',
    Company: 'CAPITAL ONE FINANCIAL CORPORATION',
    State: 'NJ',
    'ZIP code': '088XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '3/10/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '1825277' },
  { 'Date received': '3/8/17',
    Product: 'Credit card',
    Issue: 'Advertising and marketing',
    'Consumer complaint narrative': 'Mailings packet from American Express Gold Card does not provide any information about the rate of interest that will charged in the entire content included in the solicitation to apply for the credit card.',
    Company: 'AMERICAN EXPRESS COMPANY',
    State: 'TN',
    'ZIP code': '372XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '3/8/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2376700' },
  { 'Date received': '4/4/16',
    Product: 'Credit card',
    Issue: 'Sale of account',
    'Consumer complaint narrative': 'I had a XXXX membership and a XXXX XXXX XXXX card. When I learned one year ago that XXXX would discontinue this relationship, I called XXXX XXXX to tell them I did not want my card transferred to another company without my permission. I was assured it would be my choice. My XXXX membership ended within the past year. I cancelled my XXXX XXXX card over one month ago. XXXX XXXX let customers know that they would be getting Citi cards only a couple months ago. I then called Citi and was told there was nothing they could do at this time. Today, I received a note that I would be issued a Citi card even though I have expressed to XXXX, XXXX XXXX and Citi that I DO NOT WANT A CARD FROM CITI. I called the phone number and was told that I WOULD be getting a new card and had no say in the matter as " This was all put together a year ago and we do n\'t have any access to your information until the deal goes through on XXXX/XXXX/16. So we have no access. \'\' I said, " But it says my new card will arrive in XX/XX/XXXX, so you must have access, and I demand that you close that account. \'\' I was told that Citi could not help me. \r\n\r\nThis is absolutely aggregious, because, not only did I not request the card, I requested of all parties that I not be issued a new card. All parties above insist there is nothing they can do. What will occur is that I will get a card and have to immediately close it, and likely it will negatively affect my credit, showing as a short term account and decreasing my length of credit account marks on my credit, especially since I had already closed my XXXX in the same year. Since I am not a XXXX member, the CITI card has no use to me. \r\n\r\nHow this could be legal confounds me. I believe this should be highly ILLEGAL. I also believe it is fraudulent with the way customers have been dealt with over the past year. Customers and their private information should not be traded between banks without their say so. \r\n\r\nI have attached the letter received today. At the bottom, it says that to get a card you must have an open XXXX account. However, the woman on the phone, who did not give her name, told me I would receive one no matter what. She was extremely rude and seemed to enjoy denying my request. \r\n\r\nPlease note that your form requests the credit card number. They have not issued the credit card or account number at this time.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'NM',
    'ZIP code': '871XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/4/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1864035' },
  { 'Date received': '10/24/16',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'XXXX Upromise Mastercard recharged my credit card for a transaction that I did not authorize. I disputed the initial charge and never received a response from XXXX, just the recharge. After speaking to a representative, I was informed that the initial dispute was rejected without my knowledge. I have clear e-mail evidence from the merchant that the transaction should never have been charged, however, XXXX still re-charged the fee from the merchant.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'BARCLAYS BANK DELAWARE',
    State: 'TX',
    'ZIP code': '756XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '12/8/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2176698' },
  { 'Date received': '9/6/16',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'I noticed XXXX fradulent charges on my account in XXXX 2016, and immediately reported it to USAA. As I still had physical possession of the card, I attempted to find out where my card information had been compromised, and I became convinced that it was via an online auto parts store I had recently used which lacked proper SSL authentication. When attempting to contact the parts store, I received no response, and subsequently reported these charges as fradulent to USAA. \r\n\r\nThe following week, the parts actually arrived, and I immediately contacted USAA to ask them to re-authorize the charges ( approximately {$1700.00} ), as they were valid. \r\n\r\nThis has led to an absolute nightmare, as that {$1700.00} has been credited to and debited to my account over 11 times over XXXX billing periods during the past 4 months. USAA insists that I never paid the {$1700.00}, despite numerous attempts to prove that this is impossible given the numbers shown on the billing statements. During these XXXX billing periods, I made purchases on the card totaling {$5100.00}, and paid {$4700.00} in bills, thus I owe USAA {$390.00}. \r\n\r\nUSAA however, insists that I owe them {$980.00}, and I have also been told that I am actually coming out ahead, as that number SHOULD be {$1300.00} ( as they admit that their accounting is inaccurate ). I have been insistent for over 4 months about what I owe, and I simply want to pay the {$390.00} to settle the accounts. This has proven impossible, and I refuse to pay more than I actually charged to the card in goods and services.',
    'Company public response': 'Company believes it acted appropriately as authorized by contract or law',
    Company: 'UNITED SERVICES AUTOMOBILE ASSOCIATION',
    State: 'VA',
    'ZIP code': '231XX',
    Tags: 'Servicemember',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '9/6/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2096863' },
  { 'Date received': '4/28/16',
    Product: 'Credit card',
    Issue: 'Credit line increase/decrease',
    'Consumer complaint narrative': 'I have been using lowers ( spelled like that on purpose ) for 21/2 years on a business credit account/w an escrow account on top of that to rebuild my underwater/no equity house. Half way through the project XXXX bank sends me a letter they are lowering my credit from a measly XXXX dollar limit ( I am funding most of this project out of pocket ) to XXXX ( which is just above were my balance currently stands ) with some XXXX excuses about low payments, percentage of balance to credit too high, and account open less than XXXX months. I called XXXX bank about the letter and asked for some real legitimate reasons other than the XXXX they sent in the letter about the credit amount reduction, which the customer service could not supply. I stated they were full of bull, I am paying off the account ( they are not getting any more interest payments out of me ), and rudely told the customer service agent to thank their credit evaluation, decision making team thanks for the service and hung up before before anymore " I am sorry \'\' spewed from the lips of the customer service agent, and hung up. I have spent roughly {$20000.00} over the past couple of years with these XXXX and this the service and treatment I receive, XXXX \'!!',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'SYNCHRONY FINANCIAL',
    State: 'MI',
    'ZIP code': '481XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '5/20/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1899688' },
  { 'Date received': '5/21/15',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'I have an Amazon.com Credit Card from Synchrony Bank. My payment was due by the XXXX of the month and I paid my bill online on the XXXX. As of today XXXX/XXXX/2015, I noticed my payment has not been posted yet and noticed that a Late Fee was charged to my account on the XXXX after I made the online payment yesterday. I called Synchrony Bank and asked WHY they are charging Late Fees on the exact same date as the due date and they said it \'s just their company policy to do so and it should take up to XXXX hrs to process my payment and at that time, they can remove any late fees that were applied. I told them it \'s not right to charge Late Fees on the exact same date as the Due Date and those fees should never be charged on the same date, but proper accounting practices should reflect late fees the day after the due date if payment is not received. I asked to speak to a supervisor who told me the same thing ... ( It \'s their Policy ) and could not explain WHY they charge these fees on the same date as the due date. This is just a Class Action Law Suite waiting to happen. This is a Very Bad Policy and needs to be changed immediately. This can effect Finance Charges on these revolving consumer accounts and overcharge their customers in interest fees. Back Dating transaction and adding/removing fees is improper accounting and collection practices.',
    Company: 'SYNCHRONY FINANCIAL',
    State: 'TX',
    'ZIP code': '770XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '5/21/15',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1387098' },
  { 'Date received': '3/26/16',
    Product: 'Credit card',
    Issue: 'Closing/Cancelling account',
    'Consumer complaint narrative': 'My Barclays XXXX XXXX was closed without any prior notice and without any reason whatsoever. When I called I was told that my heavy usage caused it to be closed. Barclays was being deceptive with their business practices in promoting a credit card with rewards and asking me to put all my spend on it to create more points and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I believe that \'s not the way to treat a costumer you lured in with false promises. I was doing normal spending and my account was closed because I share the same address as my husband which was the XXXX doing the heavy spending, how is that fair I ask?',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'BARCLAYS BANK DELAWARE',
    State: 'CO',
    'ZIP code': '802XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '3/31/16',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1851413' },
  { 'Date received': '10/25/16',
    Product: 'Credit card',
    Issue: 'Other',
    'Consumer complaint narrative': 'On XX/XX/2016 I purchased XXXX items from XXXX worth {$47.00}. There were few major issues:1 ) XXXX does n\'t have an order summary screen which shows at what address it is going to ship the items.So the order got shipped to wrong/old address. 2 ) I need to make numerous calls and send emails to get it fixed and spent close to 3.4 to 4 hours but still I did n\'t got my order and finally got the refund in the form of XXXX bucks. 3 ) XXXX send the entire XXXX digit credit card number rather than customer \'s first name and last name. this is major security breach as they are exposing the entire PII data which can be really dangenerous. 4 ) when i told this to XXXX and law enforcement agencies about this data breach issue - XXXX retaliated and closed my account 5 ) As and when any refunds used to happen - XXXX used to refund the money not in discover card but as groupon bucks. XXXX abruptly closed my account and all my XXXX bucks ( which is real money ) is also gone. When i wrote this to XXXX they have n\'t responded. 6 ) Also reached out to Discover regarding the dispute and they are simply passing the blame to XXXX and doing nothing. Moreover Discover is not going to do something serious against their preferred partner ( XXXX ) for the credit card number breach,',
    Company: 'DISCOVER BANK',
    State: 'AZ',
    'ZIP code': '852XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '10/25/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '2178540' },
  { 'Date received': '3/31/17',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'I had a dispute in the amount of {$240.00} with XXXX XXXX on my card ending in XXXX with the merchant. The most recent dispute reference number is XXXX. I detailed in the most recent dispute that the merchant was contacted to attempt to resolve this problem and they ignored my contacts. The merchant was supposed to fix a check engine light and did not do so, and I was billed. American Express is refusing to honor the Fair Credit Billing Act in refusing to provide a credit for services not properly rendered. American Express has not given me ample opportunity to tell my side of the story and refuses to refund the charge when a refund is due.',
    Company: 'AMERICAN EXPRESS COMPANY',
    State: 'CA',
    'ZIP code': '926XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '3/31/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '2413397' },
  { 'Date received': '9/21/15',
    Product: 'Credit card',
    Issue: 'Other fee',
    'Consumer complaint narrative': 'I live in New York XXXX and I have a Bank of America credit card which I used to book my travel XXXX, through XXXX Airways, online. \r\nTo my surprise, I saw in my CC statement, that BoA has charged me XXXX Transaction fee even though the transaction was in XXXX XXXX as confirmed with XXXX Airways, and as stated in the invoice from XXXX Airways XXXX. I tried contacting the Bank through online chat, through calls and even walked over to the Bank. But the response from them was for me to check the Credit Card agreement which clearly states that the Bank would charge me a XXXX transaction fee. I however, kept repeating that this was not a XXXX transaction since the payment to XXXX Airways was in XXXX and not in XXXX. \r\nXXXX of their executives in the Claims department went on to say that because i was flying outside XXXX they consider it a XXXX transaction. Which does not make any sense to me. \r\nA XXXX transaction would be one where my Bank would have to pay to the vendor in a currency different from XXXX. That did not happen here.',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'BANK OF AMERICA, NATIONAL ASSOCIATION',
    State: 'NY',
    'ZIP code': '100XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '9/21/15',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1572547' },
  { 'Date received': '12/1/16',
    Product: 'Credit card',
    Issue: 'Closing/Cancelling account',
    'Consumer complaint narrative': 'On XX/XX/XXXX, I tried to use XXXX of my CapitalOne credit cards and it was declined. I called into CapitalOne customer service and was forwarded to an XXXX department and a customer service agent named XXXX. XXXX explained that my accounts were closed on XX/XX/XXXX due to activity that CapitalOne deemed uncustomary. XXXX was not able to identify what activity was deemed uncustomary. I had XXXX CapitalOne credit card accounts, XXXX opened in XX/XX/XXXX and the other opened in XXXX. The XXXX credit card was originally an XXXX credit card that CapitalOne took over due to their merger. XXXX said that I have no recourse except to apply for a new CapitalOne account. When I spoke to a new credit card product agent, the offers that were provided to me, did not match the previous benefits of my accounts that were closed. XXXX told me that CapitalOne is completely within their rights as stated in my customer agreement, to have closed my accounts in this fashion. What I do n\'t understand, is that I \'ve had both of these cards for very lengthy periods of time, I have not used them recently in any manner that I have not used them in the past. In other words, there is no current or recent activity, that is any different from the activity over the past 9 years or 6 years. My credit card ending in XXXX ( the card opened in XX/XX/XXXX ), I have used for balance transfers, for 9 years, so there is no activity now that does not match previous activity. My credit card ending in XXXX ( the card opened in XX/XX/XXXX ), I have used to take XXXX ( taxicab service ) and pay for laundry machines, for at least the past 12 months. So again, there is no new/recent activity, that is any different than previous activity, that should have caused my accounts to be closed. I understand that CapitalOne may be within their rights but they should be able to provide valid reasons for these actions. Since I was offered new credit card products, that do not have the same benefits as my previous accounts, I feel as though I am being discriminated against unfairly. There is no ( abnormal ) activity that justifies closing my XXXX and XXXX accounts. How does CapitalOne have the right to close my accounts and not provide me with specific reasons? And then provide me with the only recourse of applying for new accounts ( thereby losing all of my previous account history ) that do not have the identical benefits of my previous accounts? If CapitalOne wanted to remove benefits from my old accounts, why not just do that? I am hoping that the CFPB can help XXXX why my accounts were truly closed. My accounts had been current. No missed payments, no late payments, no refused payments, etc. There was no new activity that was any different than previous activity, namely balance transfers and XXXX charges. I also do not understand why there is no recourse to reopen my accounts. CapitalOne should not be allowed to be so vague. I do not know if I \'m being discriminated against because I had benefits that CapitalOne chooses to no longer offer, but closing XXXX current credit card accounts with a lengthy history of valid use, impacts me very negatively. Now XXXX credit card accounts there were in good standing for XXXX and 9 years, will negatively impact my credit score and credit history, and CapitalOne provides no valid explanation, other than " activity we deem uncustomary \'\'. The total credit line between my prior XXXX cards was {$7600.00}. Please help.',
    Company: 'CAPITAL ONE FINANCIAL CORPORATION',
    State: 'PA',
    'ZIP code': '152XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '12/1/16',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '2230835' },
  { 'Date received': '3/19/17',
    Product: 'Credit card',
    Issue: 'Identity theft / Fraud / Embezzlement',
    'Consumer complaint narrative': 'My card was charged for a total of XXXX dollars which i did n\'t authorize. American express didnt srefund my money ...',
    Company: 'AMERICAN EXPRESS COMPANY',
    State: 'MS',
    'ZIP code': '389XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '3/19/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '2394118' },
  { 'Date received': '6/16/15',
    Product: 'Credit card',
    Issue: 'Other',
    'Consumer complaint narrative': 'On XXXX XXXX @ XXXX, I made a {$460.00} cash payment at a local Bank of America drive-thru. Approximately 2 weeks later I got an overdue statement in the mail. I went into the bank, with receipt in tow. I was assured they \'d take care of it. After no results, I went into another location on XXXX XXXX, and was told that if I were to return to the original location, they should be able to correct the mistake on the same day. So, I did. I arrived @ XXXX and spoke to the Assistant Manager, XXXX XXXX XXXX who remembered I had been there and she said that she could not do anything. She had a personal banker call into customer service with all information, letting them know that she confirmed that it was due to a teller error and no fault to me. She told me that it would be cleared and all fees and negative reporting would be removed. Furthermore, XXXX, claimed that she would follow this herself to ensure that it is restored. Today is XXXX XXXX. I have been unable to use my card since before XXXX XXXX, and now, I have received a letter stating that proof of my claim is required. I am now left wondering if my payment was in fact stolen, as I am being treated with contempt. I have had this card with a very large credit limit, in good standing since 1997. I am afraid to make further payments and hope that someone will help me to straighten this matter up.',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'BANK OF AMERICA, NATIONAL ASSOCIATION',
    State: 'TX',
    'ZIP code': '786XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '6/16/15',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1423153' },
  { 'Date received': '7/12/16',
    Product: 'Credit card',
    Issue: 'Privacy',
    'Consumer complaint narrative': 'Discover is causing me to request a code via email or text EVERY TIME I want to log into my account. I believe it is because they want to make it harder for me to log into my account and pay my balance so they can gain more fees and charges off from me. I have asked for an update on any fix to this and have been ignored.',
    Company: 'DISCOVER BANK',
    State: 'MN',
    'ZIP code': '551XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '7/12/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '2008932' },
  { 'Date received': '9/16/15',
    Product: 'Credit card',
    Issue: 'Transaction issue',
    'Consumer complaint narrative': 'On XXXX XXXX, 2015, I took advantage of a promotion in the Macy \'s men \'s department at their XXXX, OR store where I would receive a XXXX % discount if I opened a revolving charge account. So I did, and promptly paid the full amount of the charge right there at the checkout stand. Several months later, I receive a statement that I owed more than {$500.00}. Upon investigating, I discovered that the account was charged XXXX for the same purchase. Once at the discounted price of {$390.00} that I paid on the spot, but then the charge at the full price of {$480.00} was also added for the same transaction. I never received a statement until several months later to discover the account had been referred to collections and more than {$100.00} in late fees and interest were also added. After trying for several weeks, and speaking to dozens of customer service representatives, I am compelled to file a formal complaint against Macy \'s and their predatory credit practices. They lure customers to open usurious revolving charge accounts with discounts at the time of purchase only to rip-off consumers with false charges to their accounts and then charge outrageous late fees and penalties, referrals to collection agencies, and incur deleterious impacts to their credit scores without providing consumer-friendly, effective means to redress the problems.',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'OR',
    'ZIP code': '975XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '9/16/15',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1567245' },
  { 'Date received': '6/29/15',
    Product: 'Credit card',
    Issue: 'Rewards',
    'Consumer complaint narrative': 'I opened a discover credit card five years ago. During these five years, I used this card for a lot of things they promise to give cash back to : food, gas, clothing. I have earned XXXX dollars of cashback and have never redeemed them. I have been paying my bills every month on time. In XXXX 2014, they suddenly closed my card said it \'s some kind of business decision. Then I called them to ask for my cash back, that \'s XXXX dollars cash back .They first told me that they are going to send the cashback in check to me. I waited and waited but never received it. I called again, they said they are going to send it, then I waited for another two months. But no check came. Then they told me that they decide to forfeit my cashback since my card is closed already. I earned these cash back XXXX dollar by XXXX dollar for about five years and planed to use this money for my travel plan this year. Discover just do n\'t want to give my money back.',
    Company: 'DISCOVER BANK',
    State: 'WA',
    'ZIP code': '980XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '6/29/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1442057' },
  { 'Date received': '5/30/15',
    Product: 'Credit card',
    Issue: 'Billing statement',
    'Consumer complaint narrative': 'I was late last month, and charged a {$35.00} because the payment arrived after the closing date. \r\nThe payment was for {$750.00}, payment was credited to my next statement along with a pand to my surprise a late fee for {$35.00}!!!',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'BANK OF AMERICA, NATIONAL ASSOCIATION',
    State: 'FL',
    'ZIP code': '330XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '5/30/15',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1399130' },
  { 'Date received': '4/12/17',
    Product: 'Credit card',
    Issue: 'Credit line increase/decrease',
    'Consumer complaint narrative': 'A Bank of America credit analyst agreed to open a new Merril Lynch card with sign up offer of XXXX reward points if I closed and transferred 4 existing accounts with their credit lines to the new card. I agreed to do so and received the new Merril Lynch card in the mail with its credit line of {$20000.00} plus ( from transferring my closed accounts credit lines ). Upon activating I was made aware the new card will not be honored per the original offer by the credit analyst and has in fact been closed. So, in addition to not being able to take advantage of the Merril Lynch offer and card, I also lost all the credit lines with the cards I closed by the credit analyst and to no fault of my own. I spoke with a manager in the credit department to address the issue and was told they would not honor the original offer and expectations that were set with me. I would like this to be done as it was Bank of America \'s analyst who made these initial arrangements with me.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'BANK OF AMERICA, NATIONAL ASSOCIATION',
    State: 'IA',
    'ZIP code': '506XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '4/12/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2432421' },
  { 'Date received': '8/13/15',
    Product: 'Credit card',
    Issue: 'Billing statement',
    'Consumer complaint narrative': 'I opened an account with Care Credit to manage high medical bills like dental procedures, etc. My understanding was that if I paid in full each separate charge within 12 months, I would not be charged any interest. I \'ve been paying $ XXXX/month and thought that the entire balance was close to being paid in full. I was in shock when I saw that {$650.00} in interest had been added to my balance. Some research indicated that CFBP has ordered a {$34.00} million refund to Care Credit Card holders just for this reason, deceptive enrollment. The bank was GE then. It is now Synchrony Bank.',
    Company: 'SYNCHRONY FINANCIAL',
    State: 'TX',
    'ZIP code': '750XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '8/13/15',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1518178' },
  { 'Date received': '2/9/17',
    Product: 'Credit card',
    Issue: 'Forbearance / Workout plans',
    'Consumer complaint narrative': 'my name is XXXX XXXX and i received a notice from XXXX XXXX SERVICES XXXX DEPARTMENT INDICATING THAT I OWE XXXX TO HOUSE HOLD FINANCE. I HAD SETTLED MY ACCOUNT WITH HOUSEHOLD FINANCE XXXX YEARS A GO. THEY FILED A LAWSUIT AGAINST ME AND THROUGH AN ATTORNEY SETTLED THE MATTER AND THROUGH MY XXXX XXXX XXXX ACCOUNT AT THE TIME I PAID IN FULL THE SETTLEMENT AMOUNT THAT WAS AGREED UPON. NOW AFTER XXXX YEARS PLUS THEY HAVE DECIDED TO REFILE AND BREACH WHAT WAS AGREED UPON AT THE TIME AND SWINDLE MORE MONEY WHEN THE SETTLED AMOUNT WAS PAID IN FULL AND THE MATTER WAS CLOSED. PLS HELP ME WITH CLEARING THIS MATTER OFF MY NAME. I HAVE PAID THEM IN FULL AND THIS MATTER WAS SETTLED OVER XXXX YEARS AGO.',
    Company: 'CAPITAL ONE FINANCIAL CORPORATION',
    State: 'CA',
    'ZIP code': '912XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '2/17/17',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2336954' },
  { 'Date received': '12/9/16',
    Product: 'Credit card',
    Issue: 'Rewards',
    'Consumer complaint narrative': 'Amex ( American Express ) and XXXX terminated their relationship. Amex sent out confusing information about the termination because Amex failed to differentiate " rewards \'\' ( which would be transferred ) and " membership rewards \'\' ( which can not be transferred. ). Amex unilaterally terminated the program and stole thousands of membership reward points from its credit card holders. Amex could have done any of the following 1. Continue the credit card and points without XXXX. \r\n2. Continue the membership reward points. \r\n3. Converted them to a debit card 4. Sent a check. \r\nThey chose to defraud its card holders by arbitrarily cancelling the membership reward points after XXXX XXXX, 2016. I spoke to XXXX in XXXX ID # XXXX and her boss XXXX refused to talk to me.',
    Company: 'AMERICAN EXPRESS COMPANY',
    State: 'NJ',
    'ZIP code': '076XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '12/21/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '2243003' },
  { 'Date received': '5/1/16',
    Product: 'Credit card',
    Issue: 'Rewards',
    'Consumer complaint narrative': 'I had a Citi XXXX card. In XXXX, I charged a total of {$9900.00} dollars to this card. This would normally pay out XXXX in cash back rewards. Citi chose to close my card for no reason. In fact, they sent me a letter effectively saying they have no reason - they \'re just choosing to invoke their clause to close my account. \r\nBut, they are refusing to pay my rewards. They are effectively stealing money. I mean, let \'s look past the fact that they are closing my account down for no reason - as they noted, if they do n\'t want to do business with me - fine. I chose this card over other cards that did not choose me down. Citi profited on swipe fees with my account. Now, they are stealing the rewards they chose not to pay. This is deceptive and borderline criminal.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'TX',
    'ZIP code': '750XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '5/1/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1904470' },
  { 'Date received': '11/27/16',
    Product: 'Credit card',
    Issue: 'Billing statement',
    'Consumer complaint narrative': 'I had been using a Best Buy card, provide by Citi, and somehow became two months behind on my payments. They then called my mother, told her my balance, and allowed her to pay on it. I was under the impression that they could not do that. I \'m XXXX, and have no information regarding my parents or their contact info.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'OH',
    'ZIP code': '454XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '11/27/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2224336' },
  { 'Date received': '8/13/16',
    Product: 'Credit card',
    Issue: 'Late fee',
    'Consumer complaint narrative': 'WE HAVE SEVERAL ACCOUNT WITH THIS COMPANY WE HAD A FAMILY EMERGENCY MY DAD PAST AWAY I CALLED EVERY ONE OF THERE CARDS AND TOLD THEM THAT WE WILL BE OUT OF WORK AND OVER SEAS AND WAS PROMISED NO LATE FEES WILL BE ASSESSED BUT THEY DID AND REPORTED ME TO CREDIT BUREAU AS LATE WHICH RUINED MY CREDIT SINCE THEY HAVE MOST OF MY ACCOUNTS',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'SYNCHRONY FINANCIAL',
    State: 'GA',
    'ZIP code': '300XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '8/13/16',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2062015' },
  { 'Date received': '11/14/16',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'Have a citi bank master card credit car. I had a balance on the card of {$170.00}. On XX/XX/XXXX, I paid the balance. I had a late fee on the card because I had moved. On the phone they agreed to waive the late fee. On the phone I asked to pay my balance which ( after they waived the late fee ) came down to {$140.00}. Recently I have been receiving late charges because the Citi bank customer service represented did not waive the late fee. I made sure that I did not have a balance on the card before getting off the phone. As of today, they are saying I owe over {$120.00} in late fees. After talking with numerous representatives they are now saying that the XXXX did not waive the fee in XX/XX/XXXX and as a result additional late fees were added on the account form XX/XX/XXXX. They offered to take off XXXX of the late fees off and {$10.00} since the erroneous accrual from XX/XX/XXXX but have said their system will not let them take off any other late fees. They have acknowledged they failed to take off the late fee and their systems inability to correct my account but they are demanding that I pay what is left on the card. I should not have to pay- 1. I paid off the balance of the card ; 2. have not used the card, 3. they admitted they failed to take off the late fee in XX/XX/XXXX ; 4. admitted they could not correct the issue because its a system issue.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'CITIBANK, N.A.',
    State: 'NC',
    'ZIP code': '277XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '11/14/16',
    'Company response to consumer': 'Closed with monetary relief',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2208144' },
  { 'Date received': '5/29/15',
    Product: 'Credit card',
    Issue: 'Balance transfer',
    'Consumer complaint narrative': 'I HAVE A COMPLAINT WITH WELLS FARGO ( XXXX XXXX ) CREDIT CARDI DID A BALANCE TRANSFER FROM WELLS FARGO TO XXXX XXXX CREDIT CARD, THE PAYMENT CASHED BY WELLS FARGO AND LEFT A SMALL BALANCEBUT ABOUT XXXX WEEKS WELLS FARGO STATING THE CHECK GOT REJECTED BY XXXX XXXX XXXX, I TALKED TO XXXX XXXX AND THEY SAID IT WAS CLEARED ON THIER END, I EVEN SENT AND FAXED A COPY OF THE CHECK TO WELLS FARGO, THIS ISSUE IS STILL NOT SOLVED, I EVEN HAD WELLS FARGO AND XXXX XXXX ON XXXX WAY CALL AND STILL NOTHING',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'WELLS FARGO & COMPANY',
    State: 'KY',
    'ZIP code': '402XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '6/2/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1397647' },
  { 'Date received': '6/4/16',
    Product: 'Credit card',
    Issue: 'Advertising and marketing',
    'Consumer complaint narrative': 'I responded to an internet ad for a Chase Slate card that was promoting 0 % interest for 15 months to people who wanted to make balance transfers of up to {$15000.00}. I wanted to consolidate my balances from XXXX other cards and, as requested on the application, submitted balance transfer amounts totaling {$12000.00}. The card was approved. About a week later, on XXXX XXXX, I received a letter from Chase saying that they had only approved {$900.00} and were going to transfer {$880.00} from XXXX of the cards. It said that I had until XXXX XXXX to cancel the transfer. I called them to cancel the transaction and they said they wanted to check my credit again to see if they could approve the whole amount. It came back as a denial because I had too many credit cards with balances. They said I would get a credit denial in the mail. I told them that I wanted to speak to a supervisor. The supervisor said they could n\'t cancel the card because the transfer was already being processed. After I complained a lot, citing the letter I had from them that said I had 4 more days to cancel, the supervisor finally said my card will be cancelled. She could not tell me why they promoted a card offering balance transfers and then used those balances against me, saying that I had too many credit cards. Now I have XXXX bad marks on my credit report because I was denied credit when they insisted on running it through again and because I cancelled their card. I was trying to be responsible by consolidating cards and paying off my debt. People should know that this is a scam. Something should be done about Chase promoting this and then ruining people \'s credit rating by refusing to cancel the card and insisting on running it through again creating a credit denial. I \'m sure many people are trying to improve their credit rating by being responsible and consolidating debt and that is who this offer targets. I certainly was not trying for another credit card. I wanted to pay down my debt and this offer was offering me that opportunity at 0 % interest. In the end, they would have gained a good customer who was being responsible. They should n\'t have approved the card if they were n\'t going to honor the balance transfer amount.',
    Company: 'JPMORGAN CHASE & CO.',
    State: 'VA',
    'ZIP code': '244XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '6/7/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1954618' },
  { 'Date received': '6/1/16',
    Product: 'Credit card',
    Issue: 'Closing/Cancelling account',
    'Consumer complaint narrative': 'XXXX XXXX accepted my credit during the holiday season and I opened a credit card with them. \r\n\r\nI paid my credit card on time and the card was current. \r\n\r\nThey closed the card because they " re-reviewed \'\' my application 6 months later and decided to close my account. \r\n\r\nMy credit had actually been higher, and by them closing it for no real reason they now lowered my credit score.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'SYNCHRONY FINANCIAL',
    State: 'OH',
    'ZIP code': '436XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '6/3/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1948772' },
  { 'Date received': '11/23/16',
    Product: 'Credit card',
    Issue: 'Identity theft / Fraud / Embezzlement',
    'Consumer complaint narrative': 'I have a Lowe \'s credit card issued by Synchrony Bank. I paid over and above my balance so that I could make a large purchase at the store. After my payment, my card had a credit balance of {$2100.00} and a credit balance of {$3600.00}. My local Lowe \'s store tried numerous times to run my card for about {$5100.00} but it kept getting declined. Even when I called the credit card company and they said everything was okay.Finally I got a supervisor they then told me I could n\'t charge more then {$2100.00} and I would have to charge it multiple times.The store would n\'t allow this. When I had a credit of {$600.00} I would pay a cash payment at the store then I was able to buy products or charges over {$600.00} without a problem.Now suddenly have a problem after they increased my limit. I called the credit department several times and was finally told that they would no longer allow me to charge over my credit limit even though I had a credit balance. I was told they would send me a refund check which I would have to cash and then take the cash back to the store. I have been trying to resolve this for over 6 days. The credit manager told me the check was sent XXXX on XXXX/XXXX/16 but did not have the tracking number. I called back on XXXX/XXXX/16 because I did not get the refund. I am now being told the refund just went out today XXXX/XXXX/16 but still no tracking number is available and it will take over 4 days which means it will be over 2 weeks to get my money back and get my purchase taken care of.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'SYNCHRONY FINANCIAL',
    State: 'OH',
    'ZIP code': '450XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '11/23/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '2222434' },
  { 'Date received': '12/3/15',
    Product: 'Credit card',
    Issue: 'Other',
    'Consumer complaint narrative': 'I have had a XXXX Credit Card for a couple of years and up until last month looked at balance etc online each month. This month I was unable to access it, Rang the XXXX and they said it was now MBNA - all they could give me was a phone number no other information. I rang the number and got an automated voice who could n\'t put me through to anyone to talk about it. I have NOT been notified of this change, I do n\'t know if my monthly payment has been made, what my balance is or how to access the information. I am totally at a loss as to what to do as I am unable to speak to anyone.',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'BANK OF AMERICA, NATIONAL ASSOCIATION',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '12/8/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1681532' },
  { 'Date received': '6/24/16',
    Product: 'Credit card',
    Issue: 'Identity theft / Fraud / Embezzlement',
    'Consumer complaint narrative': 'I applied Chase XXXX XXXX Credit Card on XXXX/XXXX/2016. To meet to minimal spending for sign-up bonus, I used it to made purchases about {$2500.00} on the weekends. But they suspended all of my Chase credit card on XXXX/XXXX/2016. After a call to Chase Customer Protection department, they assured that I would get a phone call in XXXX 7 business days. Until today ( XXXX/XXXX/2016 ), I never get any call from them. And I already pay off all the balance in both accounts last week. I have more than {$800.00} in XXXX accounts, which I can not use.',
    Company: 'JPMORGAN CHASE & CO.',
    State: 'CA',
    'ZIP code': '917XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '6/24/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1985278' },
  { 'Date received': '5/3/16',
    Product: 'Credit card',
    Issue: 'Other',
    'Consumer complaint narrative': 'i received a telemarketing company call on XXXX 2014 from a merchant that called itself XXXX .when i received no goods or services i called my discover card only to find out they would not help me.i explained to them i was rendered no service they proceeded to tell me i was outside the time frame to dispute.i argued with them that i received nothing, but it did not seem to matter.',
    Company: 'DISCOVER BANK',
    State: 'UT',
    'ZIP code': '840XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '5/3/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1908366' },
  { 'Date received': '11/9/15',
    Product: 'Credit card',
    Issue: 'Other',
    'Consumer complaint narrative': 'I booked a XXXX vacation for my family to celebrate my daughter \'s XXXX birthday. My wife and I spend several hours on the phone with XXXX travel staff asking questions on the various resorts. We requested an all inclusive resort with beach front but were sold a resort that does not have a beach. This resort was rated XXXX stars during the peak season but is down to just XXXX stars. This sale was fraudulent and totally misrepresented. I attempted to contact the CEO at XXXX but my letter was rejected. AMEX is just closing this case and walking away at this point. As my credit card company AMEX should be looking out for me and supporting my claims in this case. I request your investigation, review and oversight of this dispute as I am being given a run-a-round.',
    Company: 'AMERICAN EXPRESS COMPANY',
    State: 'NY',
    'ZIP code': '117XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '11/9/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'Yes',
    'Complaint ID': '1647478' },
  { 'Date received': '7/22/15',
    Product: 'Credit card',
    Issue: 'Balance transfer',
    'Consumer complaint narrative': 'I have had Barclaycard since XXXX. I enjoy using the card and convince checks and manage my financial very wisely. I have wrote many checks using Barclaycard and my account went from XXXX credit line to {$12000.00}. Recently, I wrote a check for {$6000.00} at 2 % fees. The next day XXXX/XXXX/XXXX, I called Barclaycard XXXX XXXX XXXX XXXX XXXX to cancel the check. After a few minutes conversation with customer service rep. She said she can not see the check but she will cancel it and put a stop to it. On XXXX XXXX, XXXX I saw the check posted to my account and called again customer service to inquire about why my account had been debited {$6000.00} plus fees. Customer service rep. XXXX created a case # XXXX and stated that she noticed as well that I called XXXX XXXX, XXXX to cancel the check, she stated the check is canceled and she will see to it. NOTE, XXXX knew this was convenience check and stated in the benign of out phone call conversation that this was a convenience check. Now everyone is saying OH, we do n\'t cancel convenience checks. But no one told me this on my XXXX call they can not cancel the check. in fact the first XXXX calls to customer service give the impression that i was in a good hands and i should not be worried. When I realized that check was still posted to my account, I call again XXXX XXXX XXXX and spoke a customer service rep ( XXXX XXXX who stated confidently that the check is indeed canceled and I should not worry about it at all. I asked why is it still posted to my account and He said it takes several days to clear and I should not worry.. \r\nXXXX XXXX, XXXX I got a text message from the person I wrote the check to saying in a text message " Thank you \'\', I said for what and he said " the check cleared \'\'. I immediately called customer service to find out why the check is cleared and who is responsible for it? Their answer was they can not stop convenience check!!! I did not know what to do. this is a big check and I can not assume the responsibility when I was told incorrect information by XXXX customer service reps. on XXXX separate times. \r\nXXXX/XXXX/XXXX called to cancel the check exhibit 1 recorded conversation. \r\nXXXX/XXXX/XXXX called to again to confirm the check was canceled. Exhibit XXXX recorded conversationXX/XX/XXXX called the third to enquire why my account is debited with XXXX at this point I was assured that the check was canceled and I need not to worry, it just takes couple days to clear from my account. Exhibit XXXX recorded conversation. \r\nXXXX/XXXX/XXXX called customer service to ask why the check clears after it was canceled? \r\nCustomer service stated they can not cancel convent checks. I said that is not what I was told on XXXX separate calls, in fact I was so sure that the check is canceled when I called on XXXX/XXXX/XXXX. \r\nXXXX/XXXX/XXXX called again and no one wanted or know how to help me. So they suggest to talk to dispute department which was located in XXXX, XXXX. The customer service dispute Rep was located in XXXX, XXXX did not know what do. This dispute was just to get rid of me. ( Exhibit 4 ) recorded conversationBarclaycard customer service misinformed me on three separate times and are now avoiding solving my issue. I have offered to work with them. I am very confused and do not know what do. I need your helpThank you, XXXX XXXXExhibits are the phone recorded conversation between me and XXXX Customer Service Rep.',
    'Company public response': 'Company chooses not to provide a public response',
    Company: 'BARCLAYS BANK DELAWARE',
    State: 'MI',
    'ZIP code': '483XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '7/22/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1481873' },
  { 'Date received': '12/26/16',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'A Visa card owned by Elan Financial Services has been reporting that my autopayments have been " returned \'\' and fees have been added to my bill. This has been going on since the XXXX 2016 statements. I have attempted to pay the bill by other means but those payments as well have been " returned \'\' and further fees attached. I have checked with my bank and the bank reports that they have not rejected any requested payments. I have written to the companies asking for the fees to be reversed and for them to accept the payments and I await a reply.',
    'Company public response': 'Company has responded to the consumer and the CFPB and chooses not to provide a public response',
    Company: 'U.S. BANCORP',
    State: 'NY',
    'ZIP code': '100XX',
    Tags: 'Older American',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '12/26/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '2263978' },
  { 'Date received': '12/8/15',
    Product: 'Credit card',
    Issue: 'Other',
    'Consumer complaint narrative': 'I had a credit card with Chase Bank that I unfortunately let fall behind and it was charged off in XXXX XXXX. I began making payments in XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX collecting on behalf of Chase Bank XXXX In very early XXXX, I contacted Chase Bank to discuss the way the charged off account was reporting to the XXXX. It was reporting as a Charge-Off every month even though I was making a payment as we agreed every month. Chase assured me that once the account was paid as I agreed with XXXX, the past payments would be updated and that they could not do anything about it until that point because they would not get my file until then ( they said XXXX would send my payments to them after it was paid ). I am attaching the checks I have copies of from my bank. I actually made a couple payments before this as well but my online banking would only go back so far. \r\nThis account was paid as agreed in XXXX XXXX thank you.',
    Company: 'JPMORGAN CHASE & CO.',
    State: 'MI',
    'ZIP code': '483XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '12/8/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1688477' },
  { 'Date received': '6/24/16',
    Product: 'Credit card',
    Issue: 'Billing disputes',
    'Consumer complaint narrative': 'As noted in the letter CFPB Case No. : XXXX, An offer was made to pay XXXX. However. Im rejecting this offfer on the grounds that I should have never been asked, to assume a debt of XXXX, ther card was issued to me with a debt of XXXX i was coierced into assume the debt by a discover rep who told me that discover would attach a lein on the property that I inherited, my credit report still shows a charge off of XXXX. I recently received a collection letter from XXXX to collect a debt of XXXX If Im offered a settelment to pay XXXX why does my credit report still reflect the the amount of XXXX. Im asking that you remove all references of this from my credit history with all XXXX major credit credit reporting agencies.I will excercise all my rights as a consumer in this matter',
    Company: 'DISCOVER BANK',
    State: 'GA',
    'ZIP code': '303XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '6/24/16',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1984521' },
  { 'Date received': '12/5/15',
    Product: 'Credit card',
    Issue: 'APR or interest rate',
    'Consumer complaint narrative': 'I have an excellent credit and chase credit card charge me a 27.99 % interest rate and I was told they can not lower my interest because when I open the account, that \'s how the interest rate was, that \'s more than 10 years ago, I told them that I am always on time making my payment and never late, I was thank for that, and XXXX XXXX a supervisor said he can not help me with that, this is not right, I ask what is the interest rate for a person with bad credit 50-60 %, apr or what is it, I told them iam am even tempted to default in the account, this is robbery and abuse for the consumers, you want us to fail on this difficult time',
    Company: 'JPMORGAN CHASE & CO.',
    State: 'TX',
    'ZIP code': '774XX',
    'Consumer consent provided?': 'Consent provided',
    'Submitted via': 'Web',
    'Date sent to company': '12/5/15',
    'Company response to consumer': 'Closed with explanation',
    'Timely response?': 'Yes',
    'Consumer disputed?': 'No',
    'Complaint ID': '1684529' },
  ... 3427 more items ]