vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
From the XXXX - We recently reported on the disturbing trend of large U.S. banks most notably XXXX XXXX XXXX ( XXXX ) and Citigroup using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by 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, pro-gun members of Congress are  demanding answers and accountability. You can do your part, too, by lodging your own complaints against the banks with the Consumer Financial Protection Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have received a several calls from Navient and I answer and communicate with them whenever I am available to answer. I even return calls when I miss them. I have REPEATEDLY explained to them I am homeless and unable to obtain housing due to the my poor credit. After telling one representative this she responded well hopefully your luck gets better but we will proceed with default. I have tried getting payments postponed as my other loans are in financial hardship forbearance. Navients wants me to pay {$350.00} a month when I have no place to live. Yes I have a job, however when youre living out your car, you have to pay money for occasional hotels to shower or gym memberships to shower. Its ridiculous how they have no way of working with you with private loans. They even sent emails as if I wasnt responding or trying to avoid them when Ive continually communicated and never tried to avoid them. But I can not pay them funds I do not have. Yet I continue to suffer and not get housing because my loans go into default and negative credit reporting.

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

Complaint narrative:
I purchased a Toolbox online combo ( upper, middle and bottom ) Toolbox. The Toolbox was not heavy enough for my needs. ( I am a XXXX ) I ordered another combo Heavier than the first one. I returned the first one to the store where I picked it up. ( saving shipping fee ) The credit was first put back on my card but was taken off again saying that I did not proof it was returned.The store said that they wanted proof it was paid for after repeated times to resolve this I keep getting the run around. This was a SEARS MASTER CARD.

I ended up getting a loan to pay this card and another card off.

( sick of dealing with the XXXX XXXX  ) The amount that should be returned is {$320.00}. Before this SEARS tried to take {$500.00} off my card but ended up putting it back on.The SEARS store where I picked up the Toolbox combo is not help ( just making it worse ). I have reached the end of patience with dealing with SEARS. I would like to get the amount of {$320.00} back. I closed the account so no more funds be stolen from me but that info is still on my computer.

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 — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a 20 year XXXX XXXX service member. I have a family of XXXX. My wife is XXXX. I had orders to move to Florida. I lost a substantial amount of income and initially asked about a short sale 3years ago and was told my account wasnt eligible. I found out later by my commanding officer that I should be eligible since the orders forced me to move. Citimortgage finally agreed. I have had 3 offers submitted at their asking price. The first offer at the last minute they changed the price and I lost that buyer. They have since raised the price to XXXX which is inconsistent with other short sales I the area. I feel as though they are discriminating against me. Why would a buyer expect to pay full price on a short sale. I am asking they reevaluate the price point also there needs to be some accountability for timelyness. They took so long to approve the offer that I lost 2 more buyers. I think they are trying to force me into foreclosure.

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: MO

Complaint narrative:
XXXX XXXX XXXXXXXX and Citi are preventing lawful citizens from exercising their constitutionally protected rights in regards to purchasing firearms.

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: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Dear Bank of America, I would like to dispute an error you reported to the credit agencies from an account I held with you. 

On XX/XX/XXXX, I opened up a Flexible Spending Credit Card with your organization. Over the course of 10 years and 11 months, I dutifully made on-time payments on this credit card. 

However, on XX/XX/XXXX, Bank of America inexplicable and unexpectedly terminated their relationship with me and closed all my accounts with the bank including the credit card. I was completely prohibited from accessing online banking and all billing notifications stopped as well. 

As a result of this termination, I held a balance on my credit card that I was both unaware of and unable to make payments towards. It was not until sixth months later, on XX/XX/XXXX, that I received a phone call from a third party debt collector informing me that I owed money to the account. I immediately paid the debt collector right at that moment and brought the account current. 

To this day, I have on my credit reports a 90-119 Days Late line of credit that was Canceled by credit grantor which haunts me to this day. I feel this mark on my credit is extremely unfair as I was completely unable and unaware to make any payments towards my credit card. I also tried to call the bank regarding the nature of the account closure and was met with hang-ups and non-answers. 

I hope there is something that can be done regarding this unique situation regarding this account. 

Thank you.

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: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I am with XXXX XXXX ( R-ID ), Chairman of the Senate Committee on Banking, Housing, and Urban Affairs in demanding answers from BofA and XXXX about their recent anti-gun activity. I quote his XX/XX/XXXX comment : It is deeply concerning to me, he wrote, when large national banks which receive significant forms of government support and benefits, use their market power to manage social policy by withholding access to credit to customers and companies they disfavor. 

XXXX also raised the issue of the banks collection of personally identifiable information ( PII ) and how it might be used to monitor and deny financial services to individuals and companies who are engaging in completely legal and, in this case, Constitutionally-protected activity. He additionally sought further information about the banks restrictive firearm policies and any other legal transactions, industries, and businesses they disfavor, prohibit, or boycott. '' I am very concerned if banks seek to replace legislators and policymakers and attempt to manage social policy by limiting access to credit. I have been a BofA customer for years and will look into changing my banking.

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 — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Home Loan became owner of my XXXX XXXX XXXX XXXX loan when XXXX XXXXXXXX was in trouble. Loan type : 30 year Conv Adj Rate, 27 years 5 months/Interest rate 6.125 % ; first time home buyer XX/XX/XXXX. 
XX/XX/XXXX I was able to refinance at a 24 year and 11 month adjustable, interest rate 3.375 %. 
In XXXX I applied with B of A Home Loans endlessly for both a mortgage reduction, when refused I tried refinancing my existing loan to a fix rate interest. Spent hours submitting documents ( which were lost more than once ) speaking with representatives, email, standard mail, B of A Home Loan Portal correspondence. After months I finally gave up trying. 
My current adjustable interest increased in XXXX and XXXX. 
My payments have increased from $ XXXX in XXXX, to $ XXXX in XXXX, to my current payment of $ XXXX. 
Clearly an adjustable interest means my payments have increased and will continue to do so. 
Had B of A Home Loan wanted to help me when I first approached them, I wouldn't be in this situation. 
My honest feeling is that B of A wants me to foreclose on my property to reap the financial benefits. Their representation has been less than stellar. XXXX XXXX is the last representative I tried to work with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Received A letter about this debt in mail from XXXX XXXX XXXXXXXX saying theirs an reduce balance opportunity. But I have no knowledge or authorized of this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never opened any account with XXXX or XXXX XXXX. it says on the letter that the original debt was {$560.00}

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 explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am making a complaint against Bank of America and XXXX for decisions they have made to ban or limit banking services specifically related to the manufacture, sale, purchase, including financial transaction or account services for the firearms industry, retailers, and consumers. 

My specific complaint against Bank of America is that they intend to stop lending to firearms manufacturers. My complaint against XXXX is that they are essentially creating their own laws according to their XX/XX/2018 blog post : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : ( 1 ) they dont sell firearms to someone who hasnt passed a background check, ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and ( 3 ) they dont sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. '' XXXX is additionally discriminating against manufacturers by applying the same invasive rules to lawful and constitutionally protected activity. 

For federally regulated entities to actively suppress lawful activity, constitutionally protected activity, is, in my opinion, a breach of banking regulations and discriminatory. At the very least, it would have the disparate effect of discriminating against white males. No matter what the banks ' intent, the biggest impact would be against a protected class ( race ). But the broader complaint is that banks being regulated, are not allowed to pick and choose customers and industries based on their social agendas, I think that is wrong and specifically against numerous consumer and business protection compliance regulations. They are effectively making law and due to their market size and power, have a restricting and dominating effect on a national level. They are essentially using their massive industry size, to enforce policy equivalent to federal law, replacing the lawmaking prerogative of Congress with the boardroom of for-profit Banking giants.

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: WA

Complaint narrative:
I'm issuing a complaint about Citi Bank & XXXX XXXX XXXX! Both companies have decided to make their own laws! Their laws are not in compliance with our Constitution! Their new policies are to not accept credit card transactions for the purchases of any firearms or bullets! They will not even allow you to purchase toy guns! This is against our Constitution & our rights as US citizens. Please have them correct their errors & restore our constitutional rights! I feel they should be fined a large amount for breaking the laws against USA citizens! If no fine then they s/b closed down!

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: VA

Complaint narrative:
Citibank recently initiated rules barring its business customers from certain legal XXXX sale activity. This is a non-government entity, saved from disaster by taxpayer dollars, acting as a law-making body and thereby violating the U.S. Constitution. 

As a XXXX member, I have a Citibank credit card. My choices are to cancel my XXXX membership or continue to do business with a company that seeks to restrict my 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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank and XXXX XXXX XXXX have determined they will discriminate against law abiding citizens exercising their second amendment rights under the constitution by taking political, non-business-like actions to inhibit citizens rights. As second amendment advocates, we take exception to this marxist, political grandstanding and expect the CFPB to take action against these banks to prevent this political grandstanding. Further, as we work to take action against these banks, and, in turn, expect the CFPB to do the same, we are proceeding to terminate a more than 30-year relationship with Citibank and open accounts with their non-discriminating competitors. Your assistance and actions against this discrimination are essential. We need your help.

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: NV

Complaint narrative:
On XX/XX/XXXX, Citigroup announced that it was " setting restrictions on the sale of firearms by its business customers ''. This is a coercive move made to discourage their business customers from dealing in completely lawful transactions. 
This action by Citigroup will not just result in financial harm to the merchants affected, but will also negatively impact the civil rights of American citizens in the exercise their 2nd Amendment rights.

That a company, after having received a massive bailout from the taxpayers, can ignore the constitutional rights of American citizens and inflict financial damage on their commercial customers is an outrage and must be 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: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
At XXXX XXXX today my husband was contacted by the collection agency regarding a, " Personal business matter. '' My husband previously worked for a collection agency and stated the caller was divulging my personal business without authorization.

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 — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
significant concerns about the banks new policies. using their enormous market power to discriminate against customers 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: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
My wife and I share a MasterCard credit card account with CitiGroup ( $ XXXX limit ). My wife and I are each Benefactor Life Members with the XXXX XXXX XXXX and we vote on their board each year. We are sick and tired of Banks such as yours using their enormous marketing power to discriminate against customers based on lawful firearm-related business activities. Stop it or we will close our account with CitiCard. PERIOD! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT ( 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting fraudulent accounts on my credit report that is effecting me severely financially, emotional and mentally. Recently I was denied employment with a finance company for these erroneous accounts. My last dispute requesting to remove the fraudulent accounts was on XX/XX/18 through the CFPB ( CFPB ref # XXXX ). I received a response from Experian on XX/XX/18 stating I would need to submit a FTC Affidavit signed by law enforcement for them to proceed with blocking the fraudulent accounts. I have attached the requested FTC Affidavit to this dispute, it is also signed by officer XXXX with XXXX. 

I have cc 'd the CFPB in this dispute due to past difficulties having these accounts removed by Experian. My next and final step will be filing a civil lawsuit in my county. I will name Experian, the person ( s ) who accepted my letter and denied my request all as defendants for violating my FCRA consumer rights ; willful noncompliance and negligence. 

Please remove these fraudulent accounts promptly, by law this would be within 4 days of receiving my notice.

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I originally got approved to have a home built on my property by a company called XXXX XXXX and later they sold my loan to several other comp, anies every five years my loan get sold, I can remember a few names one is lending tree and now Ditech has the loan. I tried to refinance my loan thru lending tree they said that they don't do refinancing, And here is the kicker a company name lending Tree called me said that they could lower my mortgage payment and they said that I had to send nearly three thousand for fees, so I sent the money and found out that it was a scam the people that was a part of the scam was caught and was sentence to prison, my thing is I called lending tree the number that was on my mortgage payment and later after I hung a scam company under lending tree called me, how did these people know that I had wanted to refinance my loan, I think and know that this was an inside job. I was pressured at the time I signed the contract, I was nearly homeless so I sign the contract because the lady said that if I didn't sign that they would not do another contract if I didn.t sign that one, my intrest rate is very high I tried to refinance again I was told that my contract doesn't allow me at all to refinance and that Ihave to pay the amount of interest until the loan is paid

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation