vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am a co-signer on my daughter 's student loan. I received a notice from the IRS dated XX/XX/XXXX. According to the IRS I did not report a " Cancellation of Debt '' on a student loan from JP Morgan Chase Bank. By the way, my daughter just received the same notice from the IRS onXX/XX/XXXX. I called the number on the letter and they told me it was a private loan, but that was all they could tell me. So I called JP Morgan Chase Bank and all they would tell me was that all of there loans belonged to XXXX and would not give me any information about the loan. I called XXXX and they did not show a loan for my daughter at all. I gave them the account number listed, but they said it was the prior company 's account number and was no good to them. The only way to dispute the IRS charge is to prove my daughter is still paying on the loan, but however neither company will help us. Surely JP Morgan Chase could research their records to find out what happen to the load. My daughter swears up and down she never had a loan forgiven or a XXXX What do we do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing in complaint of the newly adopted discriminatory practices of XXXX XXXX XXXX and Citigroup against companies and individuals who are simply following the law and are interested in practicing their legal rights to items not restricted by state or federal government. Their new measures block and individual from purchasing guns without a background check or who are younger than XXXX. It also bars the sale of bump stocks and high-capacity magazines. It would apply to clients who offer credit cards backed by Citigroup or borrow money, use banking services or raise capital through the company. 

It is not the place for a bank or any company to create legislation or laws outside of the normal process of elected government. The consumers who use banking and credit services have no elected representation within XXXX XXXX XXXX or Citigroup so they have no recourse to prevent their freedoms and rights from being violated by private companies. These banks are effectively creating the same effect as a government creating a law, but it is being done without the normal representation and protection every American has under government. Blocking commerce is effectively destroying liberty. When s Bank is as big as these two banks and they decide to make it impossible to purchase legal items, not only do they destroy the freedom and liberty of individuals through the blocking of their ability to own products, but they immediately destroy private companies who are merely trying to practice their dream of building a legal business.

Should the United States take action to make the legal age to purchase a gun to be XXXX, then that will be the law of the land and Americans that disagree will have the powers granted to us under the courts to pursue correction, however we do not have such protection when a bank blocks commerce and blocks Americans from purchasing a legal item. 

How would it be any different if XXXX  or Citigroup opted to block the sale of Bibles or any materials that say XXXX is a sin? Where the bank might disagree, the 1st amendment is a protection of free speech, but if a bank feels the 1st amendment should not allow specific speech, they could powerfully destroy that liberty by making sure no American could purchase anything that supported beliefs the banks do not believe in.

I urge you to take these complaints seriously. If not blocked, these two banks and possibly others will be emboldened to pursue addition social change through their lending actions. This is a threat to our constitution and our very way of life that should scare and concern every American regardless of their personal beliefs.

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: KS

Complaint narrative:
As a tax payer and a equity owner in CITI, I'm appalled at their boycott of the firearms industry!! Their greed along with other banking institutions resulted in a trillion dollar plus bailout. They should not have the right to deny a legitimate industry the access to monies based on political bias.

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: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I purchased items using my XXXX account. This XXXX  account is linked to my Bank of America credit card. Later I found out that I got charged the foreign service fee from Bank of America. It turned out they charged this fee because it was a foreign transaction. I was not notified by anyone that I was a foreign transaction. I asked XXXX, vendor, and bank of america to reverse the charge, so that I can use a different card without any foreign transaction fee, but no one was able to help me. I contacted Bank of America more than 3 times regarding this, and visited a local branch once. 

Similar thing happened to me before with XXXX, and XXXX was able to give me a credit back to my account.

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: 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: NY

Complaint narrative:
I am making this complaint to voice my distress and anger over the recent movement by large banks like Citibank and XXXX XXXX ( XXXX  ) XXXX deciding to discriminate against law abiding citizens based solely on their political position. 
I am specifically referring to these corporations decided to not provide banking services to companies that legally produce and/or sell firearms. This is completely counter to the idea of the " free market '' and it is nothing more than outright discrimination. 
I am certain that somewhere in the application process these companies provide potential employees with a statement along the lines of : We are and EQUAL OPPORTUNITY employer. We will not DISCRIMINATE against anyone based on race, gender, religion, or POLITICAL AFFILIATION. 
By making this decision these companies are circumventing the long standing democratic process of the United States. As private companies they are free to use their money and power to press for the political change they want to see, but only to a point. If they want to support anti 2nd amendment candidates for election that's fine. If they want to hire lobbyist to convince law makers to vote for anti gun legislation, that too is fine. But for a company to say they will not provide their services to a person or company because they're stance on a political issue is counter to their own is just wrong. 
Its just as wrong as a company refusing to provide services to a company or person because they are a minority, or they are of a certain religion. This decision will undoubtedly hurt these companies financially in the long run. As an example I can state unequivocally that I will not utilize financial services from any company that decides to follow this misguided, anti democratic, anti American policy. I realize that anyone reading this may be thinking " big deal, one guy '' but allow me to remind the reader that 30 % of Americans are gun owners and of the percentage that don't 36 % intend to purchase one in the future. That is one XXXX of a voting block and one XXXX of a chunk of the consumers in the United States. 
XXXX XXXX Veteran and 2nd Amendment supporter!!!

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Every American adult likely uses or will need banking services to survive in the modern economy. Law-abiding XXXX owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those of us hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes. Stop this collusion now!

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 caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a business checking with Bank of America. My account was overdrawn for the first time, and I made a deposit the same day. But I just found out that it was overdrawn and I got charged a fee of {$35.00}. I contacted them and they told me they can't fix it. 

I know that there is a rule where you don't get charged any overdraft fee if you make a deposit the same day. You can see this thru my transaction. I deposited {$1400.00} on XX/XX/XXXX, and the payroll was withdrawn. At that point my account is positive and then the overdraft fee was withdrawn making my account negative.

The overdraft fee was charged on XX/XX/XXXX and the amount is {$35.00}.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
My complaint is about a transfer of loan servicing. My mortgage loan is transferred to Rushmore Loan Management Services LLC effective XX/XX/2018. l mailed the payment due in the same amount due from my previous servicer. I just received a letter telling me the payment amount has been increased and Rushmore did not explain why the payment is increased. It is impossible to speak with the servicer via telephone because they say they can not find my account. It is not possible to make a sign-in account on their Internet site because a message appears that says my information does not match my account. I am using the same information that I received in correspondence from Rushmore. I did some Internet searches and discovered a litany of abuses by this servicer, one being the obstruction and/or refusal to accept payments. So my situation is that I mailed them a payment and now Rushmore says the new payment amount is higher and I don't know how to solve the problem. I do not have the ability to accept their phone calls, yet they say that my account can not be available to me unless I talk to them on a phone call which they originate. The requirement for me to be accessible via a telephone call originated by Rushmore is obstruction of account access and other options that are available i.e. electronic, are also denied access. It should not be this difficult to obtain information and make payments. I suspect it is intentional obstruction.

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: Source Receivables Management LLC
State: GA

Complaint narrative:
I have repeatedly had this debt removed, because I dont owe this company anything. They continue to place this item back on my credit and take it off each time I do this. Making this the fourth time its being removed. I received documentation stating that they have no record of me owing anything. I know for a fact I dont owe the debt. This continues to be an issue with this company.

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 — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
We sell firearms/ammunition some of the time in support of the US military, International allies and federal agencies & outdoor equipment, vehicles, meals ready to eat, and technology products most of the time, and yet, we are considered morally dishonorable by many large banks & the payment processors working with them. Due to their biases against the 2nd amendment of the constitution or their moral outrage over instruments of freedom, they have declined to support our businesses in spite of the billions received from taxpayer bailouts. Companies like Citigroup ( our bank ), XXXX ( our former payment processor who wont process our payments like everyone else ) and many many others happily strip rights from some customers all the while enjoying the benefits of taxpayer funded government bailouts & other socialist policies. What country do we live in anymore? Isnt our governments job to ensure the freedoms of all of its citizens? Or, maybe not anymore ... what a sad thing weve become where we are not adjudicated and treated as equals, but disparate groups unworthy of fair play ... Because agendas and narratives. Pathetic. Give us liberty.

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 — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I'm XXXX years old and have XXXX for the third time. I have paid on my school loans for over 25 years. Borrowed a total of {$26000.00} from the government-Texas Guaranteed Student Loan Corporation/now- FFEL loans and at this time still owe over {$83000.00}? I was a XXXX XXXXXXXX for nearly 21 years ( 20 1/2 years ) and was hoping to obtain Public Service Loan Forgiveness ( PSLF ). However, Ed Financial ( my servicer ) is telling me that my loans are not eligible for PSLF due to the type of loans I have ( FFEL ). I retired in XXXX and was told I consolidated my loans back in XXXX. When I originally went back to college in XXXX, they did not have Direct Loans. I am currently working full-time for a private company, XXXX, as a XXXX XXXXXXXX dealing with XXXX XXXX. I was not even informed that I could not retire to obtain PSLF, and had to be still working as a public servant. I'm very frustrated due to the fact I am trying to obtain a USDA home loan and would only qualify for {$140000.00}? due to my student loans. I have excellent credit score. Then I spoke with a company ( not sure of the name ) to reconsolidate my loans for PSLF ; however, would have to pay another 25 years on them ... REALLY! To pay on my student loans for 50 years??? I will probably not even live that much longer, so is there anything I can do at this point?? I think this situation is CRAZY!!!! 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America 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 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: NJ

Complaint narrative:
I have two credit cards with Citibank, and I am concerned that the company is abusing their position to discriminate against companies engaged in lawful activities, and to enforce their own rules in violation of the US Constitution. Specifically, I am referring to the recent dictate that companies must conform to Citibank 's own narrow and biased set of rules regarding what is and is not allowable. Today, they are trying to enforce their views on gun ownership. What comes next? Will they demand that retailers stop selling soda becasue it leads to obesity? Or maybe specify that no one with a body mass index over their own ideal value can purchase soda. It is a ridiculous overreach, and it should be illegal for Citibank to usurp the responsibility of the state and federal legialative bodies.

I called Citibank to give them my feedback, but as one might expect, they did not care a whit about my opinion. I have started theprocess to move all my business away from them to other banks that respect the laws of the land.

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: Trouble during payment process — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
I am having with my mortgage servicer Ditech, Formerly Green Tree Servicing. They have the same employees from Green-Tree because I was told by an employee after I was abused again on the phone. Im sure that you are aware, but in case you arent Green Tree Servicing was issued over 60 million in fines for bad practices. I am unfortunately one of their customers and I have nothing but issues with them from the time my loan was sold to them. I am first and foremost a human. I became sick. I was receiving abusive phone calls from them every day of the month after the first day of the month. Any dealings with them were starting to be ignored by me and I stopped answering my home phone all together as I was just simply overwhelmed, sick and beginning to break down emotionally. I have a crazier situation in my neighborhood, but it would take a much longer letter to explain. I got a mortgage modification, and after about a year of this modification my mortgage went up in price. I am a human and as a human we make mistakes, so for five months I did not realize my payment went up. Green Tree because of the escrow shortage made it a full payment ( considered it to be that I missed a month-Instead of treating it like escrow. I was told by a supervisor on XX/XX/XXXX & I recorded the phone call that they would not report escrow as being late, yet that is exactly what they did. I had continued making my regular payment on-time, without the escrow increase unaware. When I realized it I immediately started to send extra. Ditech ( formerly Green Tree ) admits I made a payment arrangement with them. After making a payment arrangement how can you continue marking the on-time payment that includes and extra payment towards the escrow late? They admitted I made a payment arrangement with them & yet they continuously mark me 30 days & 60 days late. I was being marked late from XX/XX/XXXX XXXX the whole year of XXXX. I am in possession of the credit report, the printout from the mortgage company of the dates when they received the payments. I am getting no-where on the phone and they are unwilling to take those lates off of my credit. I get the run-around on the phone. These lates are not just marks on a paper, this is my life we are dealing with. Right now I found the perfect house, but I can not get mortgage approval ( its the only thing holding me back ) its urgent as I dont want to loose out on that home, its perfect amount of space, taxes are good, away from this community and private. I am trying to get a better life for my kids, we are currently a family of XXXX in a 860 sq ft home. The private community in which I live is a struggle. While I am grateful that I own a home, and I have a roof over my head, its not a toxic situation and I am asking you to please help me. This is bad practice. Please follow up urgently.

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank, which is a owner of the XXXX card and XXXX XXXX  care card is refusing to delete my wife from XXXX  credit bureau. She has spoken with XXXX   several times and they only wanted to dispute the issue. The problem with that is, SHE IS IN ESCROW!! And now she may screw her loan up, the lenders wants those accounts totally deleted off of her reports. She hasn't been an authorized user since XX/XX/2018 XXXX balance is around XXXX and XXXX balance is around XXXX or so? 
This needs to be resolved as of last month. And it needs DELETION..NOT JUST REMOVED AS AN AUTHORIZED USER. FROM ALL CREDIT BUREAUS..

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