vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Recently XXXX XXXX XXXX and Citigroup have initiated action regarding the Second Amendment to restrict legal business activities regarding providing financial services and resources regarding the manufacture and sale of firearms. This action is politically motivated, violates sound business practices, infringes on my constitutional rights by being discriminatory, and appears to violate anti-trust laws by recent statements from the CEO of Citigroup.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TN

Complaint narrative:
RE : account # XXXX I have attempted multiple times to get the late payments corrected on this account and XXXX states that they are unable to correct them. The late payments are for XX/XX/XXXX and XX/XX/XXXX. They are reporting late when they should be reporting as pays as agreed since I was granted deferment XX/XX/XXXX until XX/XX/XXXX. They state they are unable to change something that has been reported accurately at one time. Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * Since I was granted deferment for those months then my account should be corrected to show pays as agreed during all those months. 
I have attached a copy of my deferment letter to show those dates were covered during my deferment. 
I would like for this to get corrected asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It is deeply concerning to me that Bank of America is using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions are clearly political statements and not business decisions based on financial unsoundness or criminal activity of their customers. As a BofA credit card holder I am concerned they will soon increase their anti-2nd Amendment attack and prevent me from using my credit in a lawful purchase of firearms or gun related accessories or question my ownership of firearms when seeking a home or automobile loan. As a BofA customer and an average American that will need credit on and off throughout my life I am deeply concerned banks and antigun advocacy groups will collude to deny needed services in an effort to dictate social policy. Its appalling that lawful citizens and businesses are treated this way after bailing out these financial institutions with billons in taxpayer dollars. BofAs new firearm policy infringes and discriminates against an individuals Second Amendment rights and should not be tolerated by our government. When private businesses replace legislators and policymakers and attempt to manage social policy by limiting access to credit they should be held accountable for their antigun discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I am a member of the XXXX and I believe recent action taken by Citi with regard to XXXX control is discriminating against law-abiding citizens like myself. Big Banks who have been bailed out by the taxpayers of America should not be setting policies that should be left to our lawmakers. I have been a customer of CITI for over 15 years and I'm very close to closing my account because of this action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Mortgage offered a forbearance plan to me due to Hurricane Irma and at the time of acceptance they stated I could easily do a loan deferment or loan modification at the end of the term. With that said they would not discuss my options or evaluate my mortgage until the forbearance was over and the loan was in default. Upon default they explained that the deferment was not an option and the modification would take months to approve if it was even approved at all. I faxed in the loan modification paperwork twice ( I have the sent receipts ) although each time they stated they did not receive it but it could be still in the process of uploading into their system which takes a minimum of 3 days. On XX/XX/18 their collections department called demanding the money and stated as long as I made the payment that day I would not be reported to the credit bureaus so I reluctantly made the payment in full and the very next day my credit dropped 118 points. Upon filing a complaint with PNC bank their complaint department stated to me that there is absolutely nothing that can be done and that they report to the credit bureaus on the XXXX of each month. The collections department representatives each and every conversation refused to tell me when they report to credit bureaus. I feel like I was taken advantage of. Nothing was ever signed. They are refusing to send me the " so called '' recorded conversations. They ruined my credit and are refusing to allow me to refinance when I have over $ 200k in equity in the house so they can keep charging me for mortgage insurance. They deceived me and I'm sure they have ruined plenty of natural disaster victims lives due to their process. All I want is for them to help fix my credit and allow me to refinance in order to remove my co-signer as she does not participate any more. Additionally, I had to use every penny I had in my savings to pay the 6 months of forbearance so it would be nice if they could return that to me and defer the missed months to the end of the mortgage or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
All my application with Chase denied with no information why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I lost {$60.00} to an online scammer who was supposed to provide a product. I did not feel safe using XXXX or XXXX to buy it, & the XXXX he created wouldnt allow me to send money that way, so I thought a bank transfer would be safe, legit & protected. The only way to easily transfer money through your bank is to do it through XXXX. So I transferred the money that way, & as I feared, was never given the product, never got a response back, & his account shut down. So I go back to XXXX to get my money back & explain what happened. Come to find out you cant cancel XXXX payments if the receipient already has an account. But that is the ultimate scammers dream platform! Victims feel safe to transfer the money because its through their trusted bank, but then XXXX offers no protection so the frauds & scammers win each and every time. Millions are lost to frauds & scammers everyday & this company is aiding the criminals by giving them the trusted platform to make it happen. XXXX is truly taking advantage of the trust weve all established for our banks. This is preposterous that theyre even partnered with all the most reputable banks. When will good stop being victimized by not only individual scammers, but big, corrupt companies who have no moral ethics?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a long term customer with Bank of America. They feel they can disciminate against companies which manufacture guns and supplies in a completely legal environment to promote their one side social agenda, which is to kill the 2nd amendment. We the taxpayer and our Governent bailed out these institutions in a record high amount less than 9 years ago, averting financial disaster for our county. I am in the process of leaving BOA because I no longer feel safe banking with them, since I am a 2nd amendment supporter and actively follow it. I feel BOA will be out to hurt all conservatives and legal gun owners in general as a common business practice to funnel loans and financial incentives away from us. This should be illegal, I like the people who work at BOA, they are good people and have always helped me, I feel financially unsafe to continue to do business with them anymore. Its too bad that the socialist movement can find it way this easily into our core financial and banking systems in this day and age. I feel this should be strongly investigated and these banks should be penalized, bare minimum any federal banking should be relocated to banks that dont discriminate against the constitutional rights of citizens and companies who are making a living, law adiding and want to be able to defend themselves and our great nation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I disputed about 13 transactions on my account dating from XX/XX/XXXX through XX/XX/XXXX. For the total amount of {$5100.00}. The reason why i was disputing these charges is because the merchant failed to provide expected services, Services not rendered and inadequate customer service to resolve any issues. I had initially filed my complaint back on XX/XX/XXXX. I had filed a dispute for all those charges. I was told to wait 7 /10 business days. I waited 10 and called and they stated that they were filed wrong and was filed as unauthorized transactions. They stated the merchant proved the transaction was authorized and my dispute was dismissed. I was angry that they did not file the paperwork properly. So I I filed a new dispute and made it clear t them it was for the services and had to wait another 10days. It had seemed that every person who i spoke to during this whole ordeal that i asked names of and phone numbers all had a different story to tell but nobody had the information correct. After almost a month of filing paperwork they are still not providing me with sufficient evidence in regards to my dispute. So after waiting another 10 Days for the outcome of the dispute is was dismissed again. I had asked why and they stated that the merchant provided evidence that the transactions were authorized. I stated again that my dispute was not for unauthorized transactions and my dispute was for unsatisfactory services etc. I spoke to several customer service reps and told them that my dispute is for services and not unauthorized transactions. The last person who I spoke to her name was XXXX and she stated that they handle both types of disputes the same way. I asked her how can they dispute unauthorized transactions and services the same. She could not provide a good enough reason other then my case was dismissed. I asked her why my case is dismissed when Citizens bank failed to dispute the charges properly. I am not disputing these charges for unauthorized but am disputing for services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
I was contacted by Capitol Accounts stating that they owned the rights to a medical debt not covered by my insurance and that had caused a derogatory mark on my credit report. 
Having an agreement with the representative to pay the amount in full and in return have the collection removed from my report, I paid the balance. Not only was the derogatory remark not removed as agreed, it still reflects the original balance that was already paid. I contacted capitol accounts via phone to rectify the issue but kept getting place on hold indefinitely, which I believe is intentional. I also tried communicating via mail but to no avail. I do have proof of the payment via my bank statement if they want to challenge this dispute..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
From the XXXX - We recently reported on the disturbing trend of large U.S. banks  most notably Bank of America ( BofA ) and XXXX using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to gun-owning Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. Now, pro-gun members of Congress are  demanding answers and accountability. You can do your part, too, by lodging your own complaints against the banks with the Consumer Financial Protection Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had opened an Experian account to check my Personal Credit, this because I have applied for a few Credit Cards and was denied. So after looking at the Credit Report, I was shocked to see 'XXXX XXXX XXXX XXXX XXXX ' on it. This because even though I admit I do owe back child support to the XXXX XXXX XXXX, I have been paying every month for several years. Never missing a month. I was told by Experian that even though I pay every month, that the 'XXXX XXXX XXXX XXXX XXXX ' status will remain NEGATIVE on my credit report because even though I've been paying on time every month, I still have a outstanding balance of back child support owed. So I said OK! 
That having been said, I then ask if it legal for Experian to keep 'XXXX XXXX XXXX XXXX XXXX ' account on my Experian credit report if the 'XXXX XXXX XXXX  XXXX XXXX ' can not provide them with the an ORIGINAL SIGNATURE? Which I know 'XXXX XXXX XXXX XXXXXXXX XXXX ' can not produce, because due to the fact I was living in the state of XXXX and was not able to appear in court when my child support case was in front of a Judge in the state of XXXX , a judgment of court ordered child support obligation was placed on me by default of me not appearing. And even though I am ordered to pay child support, I never signed the Judgement or court order. So therefore, because I never signed any child support judgment or court order, I feel that Experian should remove it from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America and XXXX XXXX should not be allowed to use the might of their " to big to fail '' status to deny accounts to gun manufactures, gun store or others based on the banks political view of gun ownership. 

While I support the right of smaller business to do these things, the very existence of the CFPB is do to the fact that these large financial institutions have a high impact on our country 's banking ability. 

They took billions of bail our money, as a taxpayer, that included from me. They are now heavily regulated because they were not good citizens. They should not be allowed to discriminate based on political values.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AR Resources, Inc.
State: GA

Complaint narrative:
XX/XX/2018 I mailed in a certified letter to XXXX for AR Resources INC, requesting Debt Validation, and to be legally validated in 30 days from the date of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for a personal American Express green card that I got approved for. This credit card came with a bonus of XXXX membership rewards points after spending {$1000.00} within three months. I met the spending requirement within the appropriate time frame on this credit card. I never got the rewards bonus that I am entitled to. As you can see in the screenshot on XX/XX/XXXX a representative from American Express stated that I should have received the points by now. I called back again later and I was told to wait till 8-10 weeks had past from when I first met the bonus terms to get the bonus. I then waited till today ( XX/XX/XXXX ) and I still did not get the bonus. I called American Express today ( XX/XX/XXXX ) and spoke to the supervisor of American Express. She informed me that I was unable to receive the bonus because in the past I applied for an American Express personal green card and got approved and received a bonus and I am only able to obtain one bonus per lifetime on that card. What she stated was false. In the past I applied for an American Express BUSINESS green card ( not personal ) and was approved and obtained the bonus. The personal and business American Express green cards are two different credit cards. American Express is stating a false narrative and not giving me the bonus that I am owed even though the other card I applied and got a bonus for was a completely different credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2018 XXXX XXXX. announced its U.S. Commercial Firearms Policy which will have the effect of preventing me from purchasing legally available firearms accessories and prevent US citizens under the age of XXXX from exercising their Constitutional Rights. The Policy has the ability to stifle free trade and hinder commerce especially of firearm manufacturers and dealers.

I fear this policy could be the the first of many that would hinder commerce of many sectors of the business community as Citigroup attempts to impose its definition of " best practices '' on US industry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a XXXX and XXXX  in XXXX  California, I have a family of XXXX, I love this country. There has been an alarming issue arising with Citibank and XXXX XXXX XXXX over the recent months, according to congressional reports there appears to be a policy adopted by these corporate giants to restrict use of their financial services in the purchase of firearms. This discriminatory practice is alarming to me as a citizen of this counrtry and as a gun owner. To think that these banks, which were bailed out with our tax dollars, now seek to perform some sort of social engineering by infringing on our rights is disgusting. I know there are actions in Congress aimed at this phenomenon, I would just like to officially register my complaint that this audacious attempt by corporate giants to control citizens is outrageous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
EQUIFAX- WILL NOT GIVE ANY INFORMATION ABOUT MY REPORT TO ME.

Company response to consumer: Closed with explanation