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 service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
I have a grievance against Bank of America ( BoA ) and XXXX.

The Consumer Financial Protection Bureau ( CFPB ) is an entity of the U.S. Government charged with making consumer financial markets work for consumers, responsible providers, and the economy as a whole. Your mandates include rooting out unfair, deceptive, or abusive acts or practices, taking consumer complaints, and monitoring financial markets for new risks to consumers.

Bank of America and XXXX have both begun to target innocent Americans, organizations, and businesses simply because they choose to exercise their Constitutional rights. This is immediately evident in their most recent attacks against the XXXX for advocating 2nd Amendment rights and they have publicly stated this to be true. Why does BoA and XXXX  have the right to deny businesses or individuals the right to banking services because they believe in or support the 2nd Amendment or because they own personal firearms? As a government agency do you not protect me and such others? Large banks like BoA and XXXX receive government benefits and support. Why do they get this if they are attacking our Constitutional rights?

Every American uses banking services in the modern economy. Law-abiding gun 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 can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those 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. What happens when they next decide to deny services based on 1st Amendment rights? They deny services to people and organizations based on their religious beliefs or they deny services to media outlets based upon what views they have? It is all the same thing ... denial of service based on discrimination and in violation to the US Constitution.

No American or business should be targeted as a scapegoat for someone elses crimes. No American should be targeted based on their exercise of Constitutional rights. I and my entire family have chosen to close all accounts with these banks, but that is not enough. These type of large institutions can not be allowed to attack people.

Please end this egregious overstep and punish BoA and XXXX for their despicable actions and attacks against innocent Americans.

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 — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I received a letter that Navient was taking over my student loan and that my payments would be going to them. I checked my credit score and it said that that particular loan closed and my balance was {$0.00} so Im a little confused as to why I would need to make payments to them. I also did a little research and it seems that this particular company is being sued for fraud, among many other allegations. I do not want to keep making payments to Navient if I do not need to. Please let me know what I can do. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I purchased XXXX  equipment onXX/XX/XXXX by phone and online. I applied for their online credit service through XXXX ( which is owned by XXXX XXXX XXXX XXXX XXXX  which has recently merged with the XXXX XXXX XXXX  as of XX/XX/XXXX ) and was approved for {$3000.00}. The equipment order was placed by me.

I changed my mind within 24 hours and stopped the purchase by phone with XXXX. The equipment was NEVER DELIVERED. I never took possession therefore this purchase never happened.

I contacted XXXX  to let them know that the purchase was a return/refund. The total amount financed was {$2400.00} on XX/XX/XXXXas shown on my XX/XX/XXXX statement. They received and applied the first credit from XXXX on XX/XX/XXXX in the amount of {$100.00} and {$1300.00}. Those credits were posted on XX/XX/XXXX. The next credit they received on 3/8/18 is in the amount of {$580.00}. It has been " PENDING '' on my account online since that date ( see screenshot ). Repeated calls, chats and email messages have been made to get them to post the credit. Their excuse is it takes 45 days to post. That would have been approx XX/XX/XXXX. It is now XX/XX/XXXX and multiple chat and email messages since then have produced no action on the creditors part to post the credit. Meanwhile finance charges are being charged every day since XX/XX/XXXX to my account. Interest on XX/XX/XXXX statement of {$48.00} and on XX/XX/XXXX statement of {$20.00} so far they have charged me {$68.00} in interest for merchandise I never took possession of. I was never made aware of the credit by message, email, on any statement or any other communication. When I chat with them they don't " see '' it until I point out that it is showing online. Then they just repeatedly tell me it will post in 45 days. They have deceptive financial practices and should be investigated and indicted for harming their customers.

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 — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
The company will not let go of co-signer even if the terms of letting go of the cosigner has been met. All 5 question on How to let your cosigner off your loan on the companys own website has been met. Also they will not tell me what their magic number of to let the cosigner off of the loan. The company just say they will not let the cosigner go and will not disclose what the number that they are looking for on a credit report. So even if your credit is 700 plus the company may decide that your score is not good enough to dismiss the cosigner of the loan. THIS IS UNFAIR TO THE COSIGNER AND SHOULD BE CHANGED. THE COSIGNER HAS MET THEIR DUTIES AND SHOULD BE RELEASED.

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: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I recently received a report 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, members of Congress are demanding answers and accountability. 

Sen. XXXX XXXX ( R-LA ) led the way with a XX/XX/2018 letter to XXXX CEO XXXX XXXX. XXXX expressed significant concerns about the banks new policies and asked to be provided with the specific number of entities in Louisiana which stand to lose banking services as a result of [ Citigroups ] increased scrutiny on law-abiding businesses. He pointedly reminded the bank, It feels like yesterday when XXXX received nearly half a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk, a move XXXX called, the largest government bailout in American history. XXXX encouraged XXXX to be a good corporate citizen by refocusing on business decisions, including addressing apparent shortcomings like overcharging credit card interest rates to account holders and compliance with U.S. anti-money laundering laws.

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:
As a law-abiding XXXX owner 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 can 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. 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.

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: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I want to know why XXXX XXXX bank of america are infringing on my second amendment right make perfectly legal XXXX purchases.

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 prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Want to know why citi group is blocking lawful XXXX owners from buying guns. This a violation of the second second amendmen. Lets not forget that my tax dollars bail you all out as well.

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 — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Recently Citibank publicly stated they are no longer supporting businesses with loans and other financing related issues that are connected to or involved with the firearms industry, including companies that build firearms and accessories. Through the power that Citibank holds with their ability To destroy companies operating legally and manufacturing legal items, they are attempting to legislate through ( social ) virtue signaling rather than Congress legislating.

As Ciitibank owns a number of private companys credit card and credit card services such as Home Depot, XXXX and others, I firmly believe that their privacy policies need to include information that they are withholding and or no longer loaning or servicing businesses that are involved in the firearms industry. This is a direct infringement on the second amendment to our Constitution. Personally, I will no longer be using credit cards I hold for XXXX, Home Depot and any other businesses that are owned by Citibank. 
It is imperative that consumers understand that Citibank discriminates concerning the firearms industry so that those consumers can make the decision to do business or not with Citibank or any other businesses that are owned by, supported by or otherwise financially connected to Citibank.

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 accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am appalled that BofA and XXXX are cancelling their long standing relationships with firearms businesses. 

These cancellations have nothing to do with illegal activity or financial soundness, but rather results from virtue signaling on the part of the banks. 

PLEASE do something to stop this social engineering on the part of the banks and ensure equal access to banks for all legal, constitutionally protected, firms.

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: MO

Complaint narrative:
Refusal of credit to firearm related businesses. 

As a Bank of Amrica credit card holder for more than 20 years, I find it deeply troubling that Bank of America is choosing to discriminate against businesses that are legally and lawfully operating a firearm related business. I also find it deeply troubling that this company, which is part of the same industry that nearly wrecked our country 's economy in 2008 due to their greed induced mortgage practices- that required the nations largest bail out in history, are now refusing to extend credit to those businesses that meet the company 's financing underwriting but do not agree with their political views. 

I am a firearm owner, and regularly use my Bank of America credit card to complete firearm related transactions. Although, I have not yet had my card declined due to the classification of the item I am purchasing, if Bank of America can discriminate extending credit to a firearm related industry company, what would stop them from extending credit to a me, as a consumer, for a making a legal and lawful firearm related purchase?

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: ProCollect, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against PRO COLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police  report 3. informed the state of Texas

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 — Problem with customer service
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am angry that Citi and XXXX XXXX XXXX, bailed out with my tax dolkars, are engaging in social engineering and anti-constitutional practices by refusing to do business with perfectly legal XXXX manufacturers. 
Because they accepted tax dollars to cover their mistakes the are now semi- public companies. 
Their actions should be sanctioned by regulators

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: Fraud or scam — 
Company: Ria Envia, LLC
State: GA

Complaint narrative:
I was involved in a scam. The scammer had me do a Ria XXXX to XXXX transfer to a another person. I tried to contact company to see who picked up money. But no response. I transfer {$1000.00} XX/XX/18 at XXXX. To someone in XXXX SC. I want my money back. I know a long shot but I dont want anyone else have to go through this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX. I am a gun owner. My personal bank, the Bank of America ( BoA ), is discriminating against me as a law abiding gun owner. 

Bank of America is using their enormous market power to discriminate against customers, like me, based on lawful firearm-related business activities.

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: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am a law abiding small business owner. Who is a proud supporter of our constitutional rights, these freedoms granted to us help our nation flourish. As a business owner I pay my fair share of taxes and it wasn't long ago that this bank got a bail out. I am extremely upset with they're new policy restricting me from buying guns with my credit card. Most stores don't like checks or XXXX dollar bills so what am I supposed to do as a consumer who wants to purchase these products? I feel this new rule is illegal and unconstitutional and I would like this decision to be reversed.

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 — Privacy issues
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In XXXX XXXX 2018 Citi decided to take it upon themselves to be able to decide what kind of legal firearms components I could purchase. This is an invasion of my privacy and personal rights. They way over stepped their role and how they insert themselves into our private lives.They are bullying us legal creditcard holders that have the citi double cash back card. My citi mastercard number is XXXX XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
someone used my information'identity theft

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: NY

Complaint narrative:
CitiBank and other large banks have taken it upon themselves to unfairly restrict access to credit and other services by companies I do business with. Specifically, companies that have anything to do with firearms and related products. On one hand, my taxes, and taxes paid by these same companies, paid for a huge bailout of Citi and other banks, to supposedly save them. On the other hand, they are unfairly targeting these companies, trying to hurt them specifically, to cause them to fail. That is inconsistent with constitutional protections of my, and their, 2nd amendment rights. This needs to be called out, and stopped.

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: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
Back in XX/XX/XXXX, I signed up for the official XXXX XXXX XXXX credit card ( issued by the First National Bank of Omaha ) to further support the organization and its support of the shooting sports, youth education and the Second Amendment rights were all guaranteed by the Constitution.

In XX/XX/XXXX due to social pressure from the media and anti-gun organizations, they terminated the program - without notice to card holders. Many of whom who dont have multiple lines of established credit to fall back on.

When I heard of this from the XXXX  newsletter I contacted the bank ( on XX/XX/XXXX ) and was told that my card and account would not be renewed and basically given no option other than to close my account. ( Keep in mind that my account has always been in good standing and was always paid as agreed or better than agreed. ) Banks are required by law to be equal opportunity lenders and to not discriminate against their customers. In this case Im being discriminated against because of my membership in the XXXX and being an American citizen who supports and respects our constitution and the law. Im also effectively being denied credit based on their own political beliefs.

This practice of virtue signaling and imposing their own political agenda goes completely in the face of laws guaranteeing equal opportunity to banking customers and anti-discrimination/fair credit rules.

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