vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
All of a sudden out of no where without my knowledge XXXX XXXX  sold my Mortgage to SLS mortgage company in XX/XX/XXXX. SLS says I missed the XX/XX/XXXX payment so I couldnt keep up and now my credit went down and I had to pay an extra payment to keep my northern up to date it took me until XX/XX/XXXX to pay the extra payment which means I paid two mortgage payments in one month

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America decided to stop supporting the Constitution and the second Amendment by freezing credit to gun manufacturers. This has a negative impact on me and will increase the cost, decrease the availability of myself and other law abiding citizens from exercising their 2nd Amendment rights.

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: UT

Complaint narrative:
To whom it may concern, I'm writing to convey my frustration with Citibank and any other financial institution, who find it appropriate to prohibit legal sales of firearms. The responsibility of these creditors is to provide a secure and simple means of purchasing, not to impose their own set of laws ; if a private, small-business baker   can't choose to deny based on their faith or societal proclivity, neither should any prodigious, public, taxpayer-bailout-fund taking large business. 
Their time would be better spent establishing a system to prevent scammers and any fraudulent intent used by their system, not prohibit any and all legal transactions made by law-abiding citizens.

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: Experian Information Solutions 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: OH

Complaint narrative:
I have been a consumer of citi bank credit card and XXXX  XXXX XXXX for many years. I am a hard working law abiding citizen who believes in a persons second amendment rights. I have never been in trouble with the law and my tax dollars bailed out these 2 companies when their incompetence got them into serious trouble. Now these 2 companies want to restrict the second amendment rights of Americans who bailed them out? I dont think major corporations should be able to make their own laws especially in contradiction to the us constitution. If they are allowed to do this whats next? They dont have to provide services based on the color of your skin? Or maybe because they disagree with your political view? Not being able to get a home loan, not because you have bad credit but because the bank doesnt like you for ... ... fill in the blank. I fortunately have the ability to drop my longstanding relationships with these companies but some may not have that option. This is wrong, this is going down a slippery slope and it should not be allowed to stand.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
As a law abiding gun owner I am deeply upset on how banking corporations are threatening business owners for exercising their Second Amendment rights. 
It feels like yesterday when these corporations received nearly half a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk. Citigroup as well as XXXX XXXX XXXX  have no business threatening law abiding business owners for exercising their Second Amendment rights. The only reason that they are even in business today is because American taxpayers bailed them out during the Great Recession. Instead of imposing its political agenda on the American people, they ought to be finding ways to help these mostly small businesses grow. They certainly shouldnt be threatening Constitutional rights. 
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. 
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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX Certified preowned XX/XX/XXXX After putting {$20000.00} down on the truck and {$24000.00} on XX/XX/XXXX of the same year, there have been some discrepancies oh my statements and no way to get a clear answer from XXXX XXXX licensed to XXXX XXXX by XXXX, now all of a sudden i have to send XXXX XXXX more than what should be sent according to the the Statement, I never got my Veteran discount that was promised to of {$500.00}, That finance deal does not calculate right, Plesse help me CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have written four letters disputing XXXX from XXXX, XXXX, and TransUnion. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have written four letters disputing XXXX from XXXX, Equifax, and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have written four letters disputing XXXX from Experian, XXXX, and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.

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 transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/XXXX, I forwarded {$300.00} to an online retailer via Western Union ( transaction number XXXX ). After not receiving the product, and any further correspondence from the retailer, I filed a fraud complaint with my bank. My bank issued me a temporary credit in the amount of {$300.00} while they investigated the charges. After completing their investigation, my bank reversed the temporary credit and funded the transaction on XX/XX/XXXX. They advised me to file a fruad complaint with Western Union and I did. 

After speaking with a customer service representative from Western Union, I was given a fruad file number and told that upon receiving the fraud complaint from my bank, Western Union issued me a refund on XX/XX/2018 in the amount of {$300.00}. I then placed Western Union on a conference call with my bank and they restated that they issued a refund back to my bank on XX/XX/XXXX for {$300.00}. 

Using that information, my bank reinserted the claim for further review and on XX/XX/XXXX denied it again. They stated that they have no record of Western Union issuing me a refund. So I called Western Union with this information and CSA # XXXX confirmed that they issued my bank a refund in the amount of {$300.00} on XX/XX/XXXX. When I asked for a transaction ID number for the refund, I was told that the refund would have the same transaction ID as the initial charge. They said that the refund was awaiting acceptance from my bank. I asked if I could place Western Union on another conference call with my bank. I was then told by Western Union that the initial transaction was processed and paid out to the online merchant on XX/XX/XXXX therefore they can not issue me a refund. I asked them to explain how were they able to inform me and my bank about the refund taking place on XX/XX/XXXX and now tell me there wouldnt be a refund. The CSA offered no explanation. Instead I was told to contact my local law enforcement.

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: NY

Complaint narrative:
I applied for a XXXX Visa card and was sent this load of XXXX in return : Customer feedback has caused us to review our relationship with the XXXX. As a result, First National Bank of Omaha will not renew its contract with the XXXX XXXX XXXX to issue the XXXX Visa Card. 

I want to know if this bank holds the same policy with XXXX XXXX, XXXX, or some other group!

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 — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
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 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. 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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I have had a credit card with the Bank of America for decades. The service I have received is excellent. I am a veteran of the XXXX war and a retired XXXX XXXX XXXX and the Constitution is very dear to me. The Bank of America recently decided to distance itself from the XXXX and the provisions of the Second Amendment to the Constitution 's Bill of Rights. I would point out that even before the Constitution was written, the XXXX War could not have been successful because the actions of loyal Americans protected later by the Bill of Rights were in part responsible for the success of that war ; men who volunteered and took their own firearms to battle against oppression by the XXXX  government. I am deeply troubled by this action of the Bank Of America and it is my wish that they reverse this terrible and un-american action.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have written four letters disputing XXXX XXXX XXXX from XXXX and TransUnion. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have written four letters disputing XXXX XXXX XXXX from Experian and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.

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 information incorrect
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
Ally Auto reported my XXXX car note payment as being 30 days late when it's die on the XXXX of every month I paid it on the XXXX I owed {$410.00} for XXXX and XXXX I paid {$420.00} I admit I was late with XXXX payment but not 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 non-monetary relief
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: NM

Complaint narrative:
2018 XXXX and Bank of America are attempting to set a dangerous and unfounded precedent of discrimination aimed at law abiding consumers. Bowing down to pressure from political anti XXXX interests is discrimination against millions of americans based on nothing more than political pandering by anti XXXX groups who wish to harm efforts of law abiding consumers to exercise their Second Amendment rights GUARANTEED in out Bill of Rights. Since when does attempting to manipulate major banks come into play where national policies are concerned in the realm of political law making? These two banks are acting out of bounds for their purposes. Being used by one political group to damage another political group is illegal discrimination period. There is no place in the House or Senate for this type of activity which is heading down a path of precedence that, if not curtailed, has the potential to cause irreparable damage to our nation and allow any political agenda access to banking manipulation for every pet peeve some group may have against another.

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 — Transaction was not authorized
Company: Essential Lending Inc
State: SC

Complaint narrative:
On XX/XX/XXXX Essential Lending an unauthorized check against my XXXX XXXX XXXX checking account for the amount of XXXX. I borrowed XXXX dollars from Essential Lending back in XX/XX/XXXX, due to medical financial issues I asked to be put on a XXXX dollar per month payment plan. The plan was approved by Essential Lending until XX/XX/XXXX. My original payments were XXXX. Came XX/XX/XXXX made several attempts to contact Essential Lending, via phone and email to discuss further plans for my payments. Essential Lending took upon themselves to write a check against my account without my authorization of XXXX. Below is a copy and paste of one of my conversations with Essential Lending along with the manager name and contact information. 

On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Hi XXXX, I will be able to start making my agreed to payment of XXXX come XX/XX/XXXX. If I can do the XXXX this month and XX/XX/XXXX, I will be good to go starting in XX/XX/XXXX. 

Thanks XXXX XXXX Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Good Morning XXXX, I am sorry I was unable to get back to you yesterday. 

I wasn't able to reach you on the phone. 

Are you able to start paying your regular payments of {$260.00} again, or do we need to make special arrangements for the rest of your payments? 

Just let me know what you are needing to do, and I will see what I can get done for you. 

Thank you, XXXX XXXX Loan Manager Essential Lending Inc. 

XXXX XXXX ext. XXXX XXXX fax

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: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Two banks CITI and XXXX XXXX XXXX are now saying they will stop doing business and extending credit with business and maybe in the future people who are involved in the gun industry and rights.

These activities are legal under law and the banks are using their power to dictate what happens in the US shutting out business and people who they disagree with then controlling the public. 

This tactic in the future could be used against anything they disagree with or want to control or sway in the country. 

This situation sounds highly worrisome.

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: VA

Complaint narrative:
Two banks XXXX and Bank of America are now saying they will stop doing business and extending credit with business and maybe in the future people who are involved in the gun industry and rights.

These activities are legal under law and the banks are using their power to dictate what happens in the US shutting out business and people who they disagree with then controlling the public. 

This tactic in the future could be used against anything they disagree with or want to control or sway in the country. 

This situation sounds highly worrisome.

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 — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I am deeply disappointed with Bank Of America and XXXX XXXX for ending financial services to law abiding companies making and selling Firearms. This is nothing but an attempt at social engineering and bullying by large institutions who benefited from taxpayer funded bailouts when they faced financial collapse due to their questionable practices.

The entities they have targeted are operating legally and protected by our second amendment. My wife and I are both Life Members of the NRA, and strong supporters of our second amendment. We would like to see these financial institutions honor the taxpayers who saved them by supporting our second amendment rather than bowing to political pressures from the left.

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