vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX dispute is reporting me as deceased. Kohls credit my co applicant is responsible and I believe used my social to open it to begin with. Then reported me as deceased I have Spoken w them on the phone I am not dead!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2018 ; I made a cash deposit at a BMO Harris Bank Branch ATM to ensure an NSF fee would not be assessed on an ACH debit. The deposit was made at approximately XXXX and according to the receipt the cash deposit was readily available. Despite the cash deposit being posted, my ACH was returned and I was charged a {$36.00} NSF fee by BMO Harris. 

On Friday, XX/XX/2018 at approximately XXXX ; I contacted BMO Harris Bank about the NSF fee and was told that the cash deposit needed to be made by XXXX Central DST or XXXX PDST. I live in XXXX, Arizona which is currently on Pacific Daylight Time and I was told that because the deposit wasn't done by XXXX Pacific the fee was valid.

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 monetary relief
Consumer complaint received 2018-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I am being harassed by XXXX XXXX XXXX. They called my work after I asked them to please stop. It is disrupting my day. They even ask my coworkers what my schedule is and what time I will be in. They call me repeatedly over and over again. 4 times in one hour at work. I understand that I am behind and if they want to call my cell phone that many times then they can but to call me that many times at work is unacceptable.

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: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
On XX/XX/2018, around XXXX eastern time I received a call from XXXX XXXX XXXX indicating I had been approved for a loan. They offered me a loan of {$500.00} that would be deposited into my checking account. I was advised I had extended time to pay and could pay off early. With the call happening so late in the night, I accepted the loan. Afterwards I was sent a link to click on and " agree '' to the loan. I wasn't presented with the Truth in Lending disclosures or otherwise I would have declined the loan. 

My " contract '' arrived via email. The APR is 861.71 %, on a XXXX loan. The total payments scheduled were biweekly with 16 payments total. The total " cost '' of the loan with all payments made is {$1800.00} which would make the grand total repayment amount of {$2300.00}. 

Payday loans are illegal in the state of Georgia unless the lender is licensed by the state to issue loans ( which this tribe is not ) and unless the lending institution is insured by the FDIC ( again, they are not ). 

Further the interest rates in this loan also violate state laws aimed at protecting customers. At the time, I was unaware this predatory lending was illegal. I have contacted the XXXX County District Attorney as well as the Georgia Attorney General 's office regarding this company and its lending practices.

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: WA

Complaint narrative:
XX/XX/2018 : Online order that I attempted to pay using my Citigroup credit card was halted and flagged with a fraud alert. This is unusual in my experience. I do appreciate their attention to the growing complexity of fraud. However, the purchases had to do with firearms and combined with Citigroups recent actions that discriminate against customers based on lawful firearm-related business activities leads me to be deeply concerned they are blatantly violating consumer rights and engaging in unfair practices.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a complaint on Bank of America 's new policy discriminating against customers because they don't believe in the customers 2nd Amendment rights of law abiding United States citizens.

The company took billions of dollars in bail out money without questioning whether the tax payers that paid for it were 2nd amendment advocates or not. This new discriminatory policy is hypocritical at best. If they chose to have the basis be religion, race, gender, XXXX orientation or if you used your freedom of speech to express an opposing viewpoint, the outcry would cause them to be fined or put out of business. The constitutional protection for the 2nd amendment is no different. 

Bank of America must stop discriminating against law abiding citizens. It is unethical for them to try to use their influence to dictate to customers what their constitutional rights are.

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: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XX/XX/XXXX-called Bank of America to inform them of a cancellation of continuous payment on the amount of {$92.00} from debit card. I was informed I need to do a stop payment in order for this to happen. The withdrawal date was to be XX/XX/XXXX. Three days before transaction was to occur. I was charged a {$3000.00} fee for this and I was told by the bank representative that a stop payment had been issued and no further transactions will occur with that particular recurring payment. 
XX/XX/XXXX-checked my banking online and what happened? The transaction in the amount of {$92.00} was processed and deducted from my account. I called the bank and I was tools I needed to get ahold of the company and inform them of the revocation of continuous payments to stop. I explained to her that I had emailed a letter in which to stop deducting from my account for the XX/XX/XXXX withdrawal and all future transactions. She told me they would credit back my account in 1 business day but they have to Le it go through as a debut charge. I needed that money today for an emergency expense but now I have to wait one business day to access that money. Tomorrow is Saturday so I wont receive funds back into my account until maybe Monday, XX/XX/XXXX. Can they do that? I thought if I told my bank to stop deducting on a continuious payment they have to do that.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am a 32 year client of CitiGroup. I am disgusted with their discrimination of companies and/or individuals who support the 2nd amendment. This is a consitutionaly guaranteed right and they should NOT be held accountable for other peoples crimes. 

I am equally dismayed at XXXX XXXX XXXX XXXX stance.

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: FL

Complaint narrative:
This is a complaint on Citibank 's new policy discriminating against customers because they don't believe in the customers 2nd Amendment rights of law abiding United States citizens. 

The company took billions of dollars in bail out money without questioning whether the tax payers that paid for it were 2nd amendment advocates or not. This new discriminatory policy is hypocritical at best. If they chose to have the basis be religion, race, gender, XXXX orientation or if you used your freedom of speech to express an opposing viewpoint, the outcry would cause them to be fined or put out of business. The constitutional protection for the 2nd amendment is no different.

Citibank must stop discriminating against law abiding citizens. It is unethical for them to try to use their influence to dictate to customers what XXXX owners, purchases, sellers and manufactures constitutional rights are.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is to complain about BoA and XXXX using their powers to place pressure on manufacturers and American citizens by denying services to them because they are using a constitutionally protected right and have done absolutely nothing wrong. I hate the fact that my tax dollars were used to bail their sorry butts out and now they are trying to get in to social engineering. Just who do they think they are? I for one will never do business with them because of it.

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 — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
on XX/XX/2016, I transferred {$1000.00} from my PayPal account to my XXXX bank account. The XXXX account had been closed for a few months. I did not know that. It was not an account I used very often. I had a credit card associated with the XXXX account that I wanted to pay and use funds from the PayPal account. The money never hit the account cause, according to XXXX, the account didn't exist anymore and it's impossible to move money into an account that does not exist. 

I called PayPal a number of times to try and resolve this and, each time, the told me the money was moved and XXXX has it. We would get on the phone with XXXX and they would say the same : they wouldn't accept money for an account that does not exist. 

The PayPal trace request number is : XXXX I don't have the XXXX account # but the debit/credit cards associated with the account always pulled the account up and those are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I haven't called PayPal in quite some time because I couldn't stomach having them tell me there was nothing they could do anymore. 

Please help! 

Thank you so much.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It was on XX/XX/XXXX at XXXX XXXX when I lost {$800.00} due to fraud. I had noticed someone selling an XXXX XXXX for {$800.00} on the XXXX XXXX. I asked if it was still available. He then said it was and that the only way to pay him was through XXXX. He asked me that he would meet somewhere after the payment was sent. He then sent me pictures of him leaving his apartment and even recording himself stepping in his vehicle. That assured me that he was a legitimate seller. After the money had been sent, he then sent me screenshots of him accepting the money and even offered to call me. He called me soon afterwards and told me that he was on his way. I waited for him in a College parking lot. Minutes began to pass. I sent him messages if he was going to come. He sent me screenshots that he was minutes away. Then after an hour had passed, I proceeded to call him again but the phone number was unavailable. I then called him with XXXX XXXX  and the last thing he said was " Why did you end the group chat '' before blocking me on XXXX. On XXXX, there are the photos and the video he sent me along with other victims he tried to scam as well. He also sent photos of other XXXX  and XXXX accessories that he was offering to sell as well. I believe those were stolen as well. I tried my best to contact 6+ people and warn them that they are speaking to a scammer. I couldn't find them. After I realized that I was a victim of fraud, I called Bank of America and told them what had happened. They created a claim and gave me a claim number. The female representative assured me that this would be resolved within 10 business days. I reported the seller on XXXX as well. Today is XX/XX/XXXX and have received a letter from Bank of America from the Dispute Resolution Services. They stated " Our records indicate that we initiated the transfer in accordance with your instructions. As a result, your account will not be credited for this claim. '' I feel as if they didn't conduct a thorough investigation and proceeded to not take this claim seriously. I have the seller 's number, name, screenshots/photos, video, and chat log still with me. I believe Bank of America should consider their customers a priority rather than simply giving them the bad news.

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 non-monetary relief
Consumer complaint received 2018-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is discriminating against businesses and individuals involved with the legal purchase/sale/use of firearms/guns. They do this by increasing the interest rates and down payment requirements for those involved with Second Amendment lawful business activities. The Bank uses personally identifiable information ( PII ) to monitor and deny financial services to individuals and companies who are engaging in completely legal. This is inappropriate use of their considerable size and financial influence.

I must point out that the US government bailed our Bank of America during the financial crisis, of which BoA was a major cause. They have used the bailout from the taxpayers to pay their executives higher bonuses.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: GA

Complaint narrative:
I received a bill from PENN CREDIT CORPORATION VIA CITY OF XXXX XXXX FOR UTILITY BILL FROM PERIODS OF XX/XX/XXXX - XX/XX/XXXX. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/XXXX. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/XXXX WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT

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: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America reported on XX/XX/14 suspected fraud activity but I didn't do anything except take a check from someone but me and the person didn't know the account was closed till the bank told me and I tried to tell the bank I didn't know the person account was closed till 5-6 days later compared to when she wrote the check I did not know if the account was closed or open.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Social security cards, birth certificates, and bank cards were stolen they belong to my kids and I. Documents were stolen while transitioning from XXXX XXXX to civilian. Multiple credit cards were fraudulently created, as well as a bank account and apartment leases.

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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX after having been denied online access to my Equifax credit report, I sent a FACT ACT credit report request form for Equifax, XXXX, & XXXX. As of XX/XX/XXXX, I've received all BUT Equifax. After being denied credit on XX/XX/XXXX, Equifax refused to send yet another report. The company falsely told the XXXX XXXX XXXX I was previously sent a report & have received NONE. Again as of XX/XX/XXXX I have not received ANY Equifax credit report. This is a willful denial of my rights under the Fair Credit Reporting Act.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
VIOLATION OF MY CONUMER RIGHTS .... 
TAX LIEN ON MY CREDIT REPORT ... .... PUBLIC RECORD I received a bill from XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX FOR UTILITY BILL FROM PERIODS OF XX/XX/15 - XX/XX/2015. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/2015. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/2015 WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT

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 non-monetary relief
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: ID

Complaint narrative:
I am extremely upset as a 21-year customer of Citi 's credit card services that they have recently decided to become politically active and begin discriminate against XXXX manufacturers engaged in legal businesses, bowing to the anti-American policies of so-called progressives. This discrimination against companies that refuse to sell arbitrary classes of firearms is illegal and any and all federal contracts must be pulled from private enterprises that engage in such age 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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
VIOLATION OF MY CONUMER RIGHTS .... 
TAX LIEN ON MY CREDIT REPORT ... .... PUBLIC RECORD I received a bill from XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX FOR UTILITY BILL FROM PERIODS OF XX/XX/15 - XX/XX/2015. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/2015. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/2015 WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT

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