vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My problems is the illegal discrimination that citigroup and it's ceo XXXX XXXX are using against XXXX companies and XXXX owners. Why would you bow to a few and not allow legal XXXX transactions from law abiding citizens and XXXX companies? You are forcing your views on me and other XXXX owner. You are infringing upon my rights as a legal XXXX owner to make legal purchases. This does not do anything to curb XXXX problems in this country. Your institution was bailed by people like me. I guess we can put you under by not patronizing your company and others like XXXX XXXX XXXX. We as XXXX owners can have our voice heard by hurting your pocketbook.

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: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Both Bank of America and XXXX as public financial institutions are limiting or preventing myself and other U.S citizens ability to exercise our constitutionally protected right to bear arms and to protect ourselves. This is discrimination directed at an activity that is clearly protected by the second amendment. These companies had no issues taking tax payer money to keep their doors open, but are now slamming shut in the face of companies that make, distribute or sell these legally protected firearms.

The U.S Government when bailing these companies out determined they are too big a part of our financial system to fail. And being such a large part of that system should not allow them to choose what kind of legal business they will or will not work with.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) and Citigroup using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by XXXX 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 XXXX 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.

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: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Both XXXX XXXX XXXX and Citigroup as public financial institutions are limiting or preventing myself and other U.S citizens ability to exercise our constitutionally protected right to bear arms and to protect ourselves. This is discrimination directed at an activity that is clearly protected by the second amendment. These companies had no issues taking tax payer money to keep their doors open, but are now slamming shut in the face of companies that make, distribute or sell these legally protected firearms.

The U.S Government when bailing these companies out determined they are too big a part of our financial system to fail. And being such a large part of that system should not allow them to choose what kind of legal business they will or will not work with.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I took out a XXXX loan with Sallie Mae For the school year of XXXX. However two weeks before the year started I had a XXXX. I still attempted to attend school. I do completely understand that I still owe them, however because of my XXXX I have been unable to find work in my field. I currently work part time and make about XXXXevery two weeks. Sallie Mae is aware of the situation. I have tried repeatedly between XX/XX/XXXX and XX/XX/XXXX to have them help lower my payments or put me on a forbearance program. The first time I contacted them I was told that I do not make enough money to qualify for a reduction in my payment. Ive tried at least twice more to get on one of their programs, but I can not get them to lower my payments to something I can afford. 

I have informed them on no less than 3 occasions that I'm not allowed to use my phone at work and their consistent calls are interfering with my ability to do my job. However I am still getting multiple calls while I am at work. 

Ill go through just the last week. 

On XX/XX/XXXX 2 calls XXXXXXXX XXXX and XXXX XXXX XX/XX/XXXX 2 calls XXXX and XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX, XXXX, XXXX, and twice at XXXX XXXX I was at work from XXXX through XXXX XXXX   XX/XX/XXXX. That is 4 phone calls in a6hr period when I'm at work, I feel this is turning into harassment. Most calls do not leave a message. And three times messages were let by a XXXX where is tone is almost but not quite completely condescending. I put in a complaint with sallie mae after the first message and still received two more. 

They have also contacted third parties multiple times, after I asked them to not contact those third parties again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Weinberg Mediation Group LLC
State: MO

Complaint narrative:
The Weinberg Mediation Group called me about a debt that I owe. I told them I needed to talk to my wife about the settlement offered and would call back. LESS than 40 minutes after speaking to XXXX XXXX, she called my wife with a very demanding tone asking for our debit card information. My wife asked her to verify the debt and provide the settlement in writing, XXXX XXXX refused to do so. She stated that the debt had to be taken care of right then. My wife told her she would call her back. The next day after my wife and I talked, my wife called back and left a message to pay the offered settlement. No one called back. XXXX XXXX then called her back on XX/XX/XXXX while she was driving. My wife told her it wasn't a safe time and they agreed that XXXX XXXX would call back on Saturday while she was in the office. On Saturday XX/XX/XXXX, XXXX XXXX did call back but at XXXX and XXXX. These times go against our rights as consumers, given to us in the Fair Debt Collection Practices Act. My wife called XXXX XXXX back to let her know that she was ready to pay but that she was also going to file complaints with the proper offices. At this time XXXX XXXX refused to take payment and told my wife she would note the account and disconnected the call. My wife called back and asked to speak to a supervisor, she spoke to XXXX XXXX. XXXX refused to answer my wifes question about the law regarding the times a creditor can call. He also refused to take payment for the settlement and disconnected the call. We would have liked to have settled the debt today. But we also feel that this " agency '' has handled themselves unprofessionally and has broken more than 1 of the Acts protective features for the consumer. And they have refused to take our payment for the settlement of the debt at this time, once we stated we would be contacting the proper offices about their wrong doings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo is my home mortgage company. I have always paid weekly and I have always paid hundreds of dollars over the that monthly amount due. In XX/XX/XXXX, I contact XXXX XXXX to increase my weekly payments by {$150.00} per week / {$600.00} per month, stating that I wanted this to all go to principal. They agreed to do this and sent me a letter confirming it. Starting in XX/XX/XXXX, the new additional amounts were withdrawn. But when I reviewed my XXXX - XXXX - XX/XX/XXXX statements, I literally could not see where the extra money was going. In fact, it looked like I was actually paying less in XXXX then I was in XXXX. I called Wells Fargo on XX/XX/XXXX around XXXX EST. I was on the phone with them for 2 hours and 15, in which they kept insisting everything was fine and I just was not reading the statements correctly. Then I mentioned to the representative that I felt like something fraudulent was going. Suddenly everything changed. XXXX from CA ( WF # XXXX ) got on the line with accounting and had an answer back in 5 minutes : Instead of applying the extra money towards the principal each  month, Wells Fargo simply took that money and applied it towards the next months payment. When I explained to her that this was not what I signed up for and it was not explained to me this way in XXXX, she said someone from their " Executive Office '' would call me on Monday XX/XX/XXXX. I asked her to confirm that by forwarding my extra payments to the next month 's payment, I would actually end up paying more interest vs had the extra money just applied to principal, XXXX confirmed this was true. When I called WF in  XXXX to up the amount I paid weekly, I was assured that these extra payments would all go to principal. I believe that WF has been fraudulent. 

On XX/XX/XXXX I submitted a complaint the CFPB - # XXXX. Wells Fargo responded beyond the 15 days time period stating that they could not " respond '' because of an unauthorized third party. Wells Fargo also sent me a letter on XX/XX/XXXX from XXXX XXXX XXXX, Executive Resolution Specialists, Customer Care and Recovery Group, XXXX, ext XXXX. XXXX XXXX did attempt to call me. I returned his call after I received the paperwork and requested we set up a call to discuss. He never returned that call. The letter and supporting documents that Wells Fargo sent does not resolve this issue. They state false and incorrect information in the response letter and do not address the questions and requested resolutions from the original complaint. So here we go again with round 2, wasting everyone 's time.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by XXXX 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 XXXX 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.

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 — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Since opening my account with PNC Bank I've had many issues, especially after applying for an XXXX XXXX position! The extra ATM Bank fee of {$3.00} is Federally illegal, and they state XXXX didn't input the {$57.00} into my account, but they never released funds on XX/XX/XXXX, or XXXX, an so the bank issued a provisional credit, after I received the credit and spent monies they state provisional credit was removed by bank. I received a letter post marked XX/XX/ stating PNC is withdrawing {$57.00} from my account, on XX/XX/XXXX this was done, and {$7.00} overdraft fees daily on top of {$36.00} overdraft initial fee due to XX/XX/XXXX taking back the {$57.00} due for merchandise I never received! How can this be legal? I called FTC to file complaint and received a letter postmarked XX/XX/, yet I didn't receive this letter till XX/XX/XXXX Seems to me PNC Bank, and FASFA not paying for transcripts, XX/XX/XXXX, and every higher education facility is against XXXX XXXX and using crooked business tactics, social prejudices to hinder our businesses!!! Please investigate, stop PNC from their extra charges including extra ATM Fee out of network use fees, and include me in on any class action lawsuits? Thank you!!! 

From : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citigroup has decided to make banking decisions on social policy rather than on sound business decisions. How can banks deny banking services to perfectly legal businesses? 

With all of the highly personal information that banks collect ; how long before they start enforcing their social policy on consumers? I think the banks that had such poor policies that they required almost {>= $1,000,000} of US taxpayer money shouldn't be trying to push legal businesses out of business. 

We need all banks to follow the laws that apply to they and not be listening to fringe groups that encourage them to break the laws of banking. Americans need you to come down hard on banks that aren't following laws and policies that are meant to protect ALL legal businesses and people in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Total Card, Inc.
State: MO

Complaint narrative:
The XXXX XXXX XXXX called me about a debt that I owe. I told them I needed to talk to my wife about the settlement offered and would call back. LESS than 40 minutes after speaking to XXXX XXXX, she called my wife with a very demanding tone asking for our debit card information. My wife asked her to verify the debt and provide the settlement in writing, XXXX XXXX refused to do so. She stated that the debt had to be taken care of right then. My wife told her she would call her back. The next day after my wife and I talked, my wife called back and left a message to pay the offered settlement. No one called back. XXXX XXXX then called her back on XX/XX/XXXX while she was driving. My wife told her it wasn't a safe time and they agreed that XXXX XXXX would call back on Saturday while she was in the office. On Saturday XX/XX/XXXX, XXXX XXXX did call back but at XXXX and XXXX. These times go against our rights as consumers, given to us in the Fair Debt Collection Practices Act. My wife called XXXX XXXX back to let her know that she was ready to pay but that she was also going to file complaints with the proper offices. At this time XXXX XXXX refused to take payment and told my wife she would note the account and disconnected the call. My wife called back and asked to speak to a supervisor, she spoke to XXXX XXXX. XXXX refused to answer my wifes question about the law regarding the times a creditor can call. He also refused to take payment for the settlement and disconnected the call. We would have liked to have settled the debt today. But we also feel that this " agency '' has handled themselves unprofessionally and has broken more than 1 of the Acts protective features for the consumer. And they have refused to take our payment for the settlement of the debt at this time, once we stated we would be contacting the proper offices about their wrong doings.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
It happened on XX/XX/18 that I received a email saying my credit score dropped 44 points. I have no idea how this happened I bank with capital one and I never once missed a single payment with my credit card nor my truck note which is {$720.00} a month. My credit card max is  {$300.00} and it was at {$280.00} the payment wasnt do till XX/XX/XXXX. So I waited till a closer date to pay it thinking it would help out my score which I dont know if its true or not cause I know so little about credit. But I always paid couple days ahead of the payment date with my credit card. Which I did pay it off on XX/XX/18. I was wondering if you can please give me back those 44 points you took from me cause I always paid my bills on time or ahead and I really dont know what I did wrong but I need my credit score to be where it was cause I believe I didnt do anything wrong by not going over my limit.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint number XXXX against CITI BANK. I opened a dispute last year against XXXX XXXX XXXX for {$1200.00} which was a partial hold of the original amuont {$2200.00}. I then took the case to small courts claim at XXXX County General District case. The judge advised the merchant to give me a partial refund of the {$1200.00} and in return I was asked to close the dispute to make the {$1200.00} available to the merchant. The {$1200.00} was posted on my account as PAID to " XXXX XXXXXXXX XXXX XXXX XXXX XXXX '' on my XX/XX/XXXX statement and I paid the total amount of the bill to CITI BANK. In late XXXX, I received a letter dated " XX/XX/XXXX '' confirming the dispute was actually closed as per my request on XX/XX/XXXX and {$1200.00} was released to the merchant. One week after opening a complaint at Consumer Financial Protection Bureau I received a phone call from XXXX XXXX confirming the case was closed and she sent me a letter by mail dated XX/XX/XXXX that the {$1200.00} was paid to merchant 's bank. Yesterday, I received a notice to appear in Small Court Claims of XXXX County on XX/XX/XXXX because the merchant claims they did not receive the {$1200.00} yet plus {$910.00} in fees and interest!. If this turned to true that CITI BANK failed to pay the merchant their {$1200.00} I will proceed with suing CITI BANK for all the trouble they gave me since XX/XX/XXXX, otherwise CITI BANK has to send me the date, transaction name, merchant name and bank name to where the {$1200.00} I paid went to and when it became available to the merchant and wether it was collected by the merchant 's bank. Of note, I tried to reach out to XXXX XXXX at XXXX twice yesterday XX/XX/XXXX and left a voice mail to call me back, I have not heard back from her yet.

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 — Information belongs to someone else
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
I moved from XXXX to XXXX in XX/XX/XXXX. I tried to get XXXX at my new house and they told me I was not eligible because I had an open acct at my old XXXX address. I explained to XXXX that was a joint acct between XXXX and I and we had split. When I asked XXXX to remove my name from the acct I was told that he had to do it because he was the primary acct holder. I immediately contacted him, we share a daughter, and asked him to call and let them know I no longer lived there and hadn't lived there in 3 yrs. XXXX then called me and told me he had my name removed. When I called XXXX back about 1 week later I was able to get the service with no issues, so I assumed my name had been removed off the other acct and the issue had been resolved since the representative allowed me to open an acct here in XXXX. Apparently this issue was not resolved and there is a delinquent bill at the address in XXXX. I contacted XXXX and explained to them the situation and that I am currently a XXXX   account holder and am current on my account. I also explained what had happened when I originally tried to get XXXX  here in XXXX  back in XXXX and was not able to. At no point was I contacted by mail or phone to even notify me that I had an outstanding balance on anything, and certainly not 2 cable accounts that range from {$150.00} to {$200.00} dollars a month. I certainly would not have let it go to collections. This should not be on my credit report due to it is not my account. This has a negative impact on my credit score and showing I owe XXXX/ Receivables Performance Management in the amount of {$940.00}. Not only was the account delinquent they also have not returned the equipment apparently. If you check anything on me you will see that I have not resided in XXXX since XXXX, or at that address since XXXX. My transfer from my job can also confirm this information. Thank You for your time and assistance.

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: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
My complaint is that Bank of America has decided to stop lending to firearms companies that make XXXX firearms. I have a large account with XXXX XXXX and plan on moving all of my money if Bank of America do not rescind their policy.

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