id	sid	tid	token	lemma	pos
fsr-4057	1	1	financial	financial	PROPN
fsr-4057	1	2	services	service	NOUN
fsr-4057	1	3	review	review	NOUN
fsr-4057	1	4	,	,	PUNCT
fsr-4057	1	5	33(2	33(2	NUM
fsr-4057	1	6	)	)	PUNCT
fsr-4057	1	7	15	15	NUM
fsr-4057	1	8	consumers	consumer	NOUN
fsr-4057	1	9	’	'	PUNCT
fsr-4057	1	10	basic	basic	ADJ
fsr-4057	1	11	bank	bank	NOUN
fsr-4057	1	12	account	account	NOUN
fsr-4057	1	13	complaints	complaint	NOUN
fsr-4057	1	14	and	and	CCONJ
fsr-4057	1	15	their	their	PRON
fsr-4057	1	16	financial	financial	ADJ
fsr-4057	1	17	hardships	hardship	NOUN
fsr-4057	1	18	:	:	PUNCT
fsr-4057	1	19	a	a	DET
fsr-4057	1	20	content	content	NOUN
fsr-4057	1	21	analysis	analysis	NOUN
fsr-4057	1	22	of	of	ADP
fsr-4057	1	23	complaints	complaint	NOUN
fsr-4057	1	24	filed	file	VERB
fsr-4057	1	25	with	with	ADP
fsr-4057	1	26	the	the	DET
fsr-4057	1	27	consumer	consumer	NOUN
fsr-4057	1	28	financial	financial	PROPN
fsr-4057	1	29	protection	protection	PROPN
fsr-4057	1	30	bureau	bureau	PROPN
fsr-4057	1	31	(	(	PUNCT
fsr-4057	1	32	cfpb	cfpb	PROPN
fsr-4057	1	33	)	)	PUNCT
fsr-4057	1	34	julie	julie	PROPN
fsr-4057	1	35	birkenmaier1	birkenmaier1	PROPN
fsr-4057	1	36	and	and	CCONJ
fsr-4057	1	37	hope	hope	PROPN
fsr-4057	1	38	stratman2	stratman2	PROPN
fsr-4057	2	1	abstract	abstract	ADJ
fsr-4057	2	2	although	although	SCONJ
fsr-4057	2	3	savings	saving	NOUN
fsr-4057	2	4	and/or	and/or	CCONJ
fsr-4057	2	5	checking	check	VERB
fsr-4057	2	6	account	account	NOUN
fsr-4057	2	7	ownership	ownership	NOUN
fsr-4057	2	8	is	be	AUX
fsr-4057	2	9	widespread	widespread	ADJ
fsr-4057	2	10	,	,	PUNCT
fsr-4057	2	11	significant	significant	ADJ
fsr-4057	2	12	account	account	NOUN
fsr-4057	2	13	problems	problem	NOUN
fsr-4057	2	14	occur	occur	VERB
fsr-4057	2	15	that	that	PRON
fsr-4057	2	16	carry	carry	VERB
fsr-4057	2	17	negative	negative	ADJ
fsr-4057	2	18	implications	implication	NOUN
fsr-4057	2	19	for	for	ADP
fsr-4057	2	20	consumer	consumer	NOUN
fsr-4057	2	21	finances	finance	NOUN
fsr-4057	2	22	.	.	PUNCT
fsr-4057	3	1	this	this	DET
fsr-4057	3	2	study	study	NOUN
fsr-4057	3	3	aims	aim	VERB
fsr-4057	3	4	to	to	PART
fsr-4057	3	5	profile	profile	VERB
fsr-4057	3	6	american	american	ADJ
fsr-4057	3	7	consumers	consumer	NOUN
fsr-4057	3	8	’	’	PART
fsr-4057	3	9	bank	bank	NOUN
fsr-4057	3	10	account	account	NOUN
fsr-4057	3	11	experiences	experience	NOUN
fsr-4057	3	12	when	when	SCONJ
fsr-4057	3	13	they	they	PRON
fsr-4057	3	14	encounter	encounter	VERB
fsr-4057	3	15	challenges	challenge	NOUN
fsr-4057	3	16	with	with	ADP
fsr-4057	3	17	the	the	DET
fsr-4057	3	18	use	use	NOUN
fsr-4057	3	19	of	of	ADP
fsr-4057	3	20	their	their	PRON
fsr-4057	3	21	basic	basic	ADJ
fsr-4057	3	22	bank	bank	NOUN
fsr-4057	3	23	account	account	NOUN
fsr-4057	3	24	that	that	PRON
fsr-4057	3	25	are	be	AUX
fsr-4057	3	26	not	not	PART
fsr-4057	3	27	resolved	resolve	VERB
fsr-4057	3	28	through	through	ADP
fsr-4057	3	29	initial	initial	ADJ
fsr-4057	3	30	contact	contact	NOUN
fsr-4057	3	31	with	with	ADP
fsr-4057	3	32	their	their	PRON
fsr-4057	3	33	financial	financial	ADJ
fsr-4057	3	34	institution	institution	NOUN
fsr-4057	3	35	.	.	PUNCT
fsr-4057	4	1	a	a	DET
fsr-4057	4	2	systematic	systematic	ADJ
fsr-4057	4	3	sample	sample	NOUN
fsr-4057	4	4	of	of	ADP
fsr-4057	4	5	consumer	consumer	NOUN
fsr-4057	4	6	saving	saving	NOUN
fsr-4057	4	7	and	and	CCONJ
fsr-4057	4	8	checking	check	VERB
fsr-4057	4	9	account	account	NOUN
fsr-4057	4	10	complaints	complaint	NOUN
fsr-4057	4	11	submitted	submit	VERB
fsr-4057	4	12	to	to	ADP
fsr-4057	4	13	the	the	DET
fsr-4057	4	14	consumer	consumer	NOUN
fsr-4057	4	15	financial	financial	PROPN
fsr-4057	4	16	protection	protection	PROPN
fsr-4057	4	17	bureau	bureau	PROPN
fsr-4057	4	18	in	in	ADP
fsr-4057	4	19	2022	2022	NUM
fsr-4057	4	20	-	-	SYM
fsr-4057	4	21	2023	2023	NUM
fsr-4057	4	22	is	be	AUX
fsr-4057	4	23	used	use	VERB
fsr-4057	4	24	to	to	PART
fsr-4057	4	25	conduct	conduct	VERB
fsr-4057	4	26	content	content	NOUN
fsr-4057	4	27	analysis	analysis	NOUN
fsr-4057	4	28	to	to	PART
fsr-4057	4	29	identify	identify	VERB
fsr-4057	4	30	prevalent	prevalent	ADJ
fsr-4057	4	31	themes	theme	NOUN
fsr-4057	4	32	.	.	PUNCT
fsr-4057	5	1	the	the	DET
fsr-4057	5	2	resulting	result	VERB
fsr-4057	5	3	content	content	NOUN
fsr-4057	5	4	analysis	analysis	NOUN
fsr-4057	5	5	categories	category	NOUN
fsr-4057	5	6	are	be	AUX
fsr-4057	5	7	used	use	VERB
fsr-4057	5	8	in	in	ADP
fsr-4057	5	9	a	a	DET
fsr-4057	5	10	predictive	predictive	ADJ
fsr-4057	5	11	model	model	NOUN
fsr-4057	5	12	to	to	PART
fsr-4057	5	13	determine	determine	VERB
fsr-4057	5	14	the	the	DET
fsr-4057	5	15	drivers	driver	NOUN
fsr-4057	5	16	of	of	ADP
fsr-4057	5	17	financial	financial	ADJ
fsr-4057	5	18	hardship	hardship	NOUN
fsr-4057	5	19	.	.	PUNCT
fsr-4057	6	1	results	result	NOUN
fsr-4057	6	2	suggest	suggest	VERB
fsr-4057	6	3	that	that	SCONJ
fsr-4057	6	4	experiencing	experience	VERB
fsr-4057	6	5	fraud	fraud	NOUN
fsr-4057	6	6	issues	issue	NOUN
fsr-4057	6	7	and	and	CCONJ
fsr-4057	6	8	automatic	automatic	ADJ
fsr-4057	6	9	teller	teller	NOUN
fsr-4057	6	10	machine	machine	NOUN
fsr-4057	6	11	(	(	PUNCT
fsr-4057	6	12	atm	atm	NOUN
fsr-4057	6	13	)	)	PUNCT
fsr-4057	6	14	malfunctions	malfunction	NOUN
fsr-4057	6	15	led	lead	VERB
fsr-4057	6	16	to	to	ADP
fsr-4057	6	17	increased	increase	VERB
fsr-4057	6	18	odds	odd	NOUN
fsr-4057	6	19	of	of	ADP
fsr-4057	6	20	experiencing	experience	VERB
fsr-4057	6	21	financial	financial	ADJ
fsr-4057	6	22	issues	issue	NOUN
fsr-4057	6	23	.	.	PUNCT
fsr-4057	7	1	also	also	ADV
fsr-4057	7	2	problematic	problematic	ADJ
fsr-4057	7	3	were	be	AUX
fsr-4057	7	4	challenges	challenge	NOUN
fsr-4057	7	5	relating	relate	VERB
fsr-4057	7	6	to	to	ADP
fsr-4057	7	7	funds	fund	NOUN
fsr-4057	7	8	withheld	withhold	VERB
fsr-4057	7	9	by	by	ADP
fsr-4057	7	10	the	the	DET
fsr-4057	7	11	financial	financial	ADJ
fsr-4057	7	12	institution	institution	NOUN
fsr-4057	7	13	,	,	PUNCT
fsr-4057	7	14	account	account	NOUN
fsr-4057	7	15	transaction	transaction	NOUN
fsr-4057	7	16	issues	issue	NOUN
fsr-4057	7	17	,	,	PUNCT
fsr-4057	7	18	and	and	CCONJ
fsr-4057	7	19	problems	problem	NOUN
fsr-4057	7	20	with	with	ADP
fsr-4057	7	21	account	account	NOUN
fsr-4057	7	22	features	feature	NOUN
fsr-4057	7	23	.	.	PUNCT
fsr-4057	8	1	customer	customer	NOUN
fsr-4057	8	2	service	service	NOUN
fsr-4057	8	3	issues	issue	NOUN
fsr-4057	8	4	that	that	PRON
fsr-4057	8	5	led	lead	VERB
fsr-4057	8	6	to	to	ADP
fsr-4057	8	7	increased	increase	VERB
fsr-4057	8	8	odds	odd	NOUN
fsr-4057	8	9	of	of	ADP
fsr-4057	8	10	financial	financial	ADJ
fsr-4057	8	11	hardship	hardship	NOUN
fsr-4057	8	12	were	be	AUX
fsr-4057	8	13	staff	staff	NOUN
fsr-4057	8	14	’s	’s	PART
fsr-4057	8	15	inability	inability	NOUN
fsr-4057	8	16	to	to	PART
fsr-4057	8	17	solve	solve	VERB
fsr-4057	8	18	their	their	PRON
fsr-4057	8	19	customer	customer	NOUN
fsr-4057	8	20	issues	issue	NOUN
fsr-4057	8	21	,	,	PUNCT
fsr-4057	8	22	weak	weak	ADJ
fsr-4057	8	23	engagement	engagement	NOUN
fsr-4057	8	24	with	with	ADP
fsr-4057	8	25	their	their	PRON
fsr-4057	8	26	customers	customer	NOUN
fsr-4057	8	27	,	,	PUNCT
fsr-4057	8	28	and	and	CCONJ
fsr-4057	8	29	lack	lack	NOUN
fsr-4057	8	30	of	of	ADP
fsr-4057	8	31	or	or	CCONJ
fsr-4057	8	32	wrong	wrong	ADJ
fsr-4057	8	33	information	information	NOUN
fsr-4057	8	34	provided	provide	VERB
fsr-4057	8	35	to	to	ADP
fsr-4057	8	36	their	their	PRON
fsr-4057	8	37	customers	customer	NOUN
fsr-4057	8	38	.	.	PUNCT
fsr-4057	9	1	financial	financial	ADJ
fsr-4057	9	2	institutions	institution	NOUN
fsr-4057	9	3	can	can	AUX
fsr-4057	9	4	use	use	VERB
fsr-4057	9	5	these	these	DET
fsr-4057	9	6	results	result	NOUN
fsr-4057	9	7	to	to	PART
fsr-4057	9	8	focus	focus	VERB
fsr-4057	9	9	on	on	ADP
fsr-4057	9	10	the	the	DET
fsr-4057	9	11	most	most	ADV
fsr-4057	9	12	critical	critical	ADJ
fsr-4057	9	13	issues	issue	NOUN
fsr-4057	9	14	that	that	PRON
fsr-4057	9	15	negatively	negatively	ADV
fsr-4057	9	16	impact	impact	VERB
fsr-4057	9	17	customer	customer	NOUN
fsr-4057	9	18	finances	finance	NOUN
fsr-4057	9	19	.	.	PUNCT
fsr-4057	10	1	policy	policy	NOUN
fsr-4057	10	2	changes	change	NOUN
fsr-4057	10	3	to	to	ADP
fsr-4057	10	4	financial	financial	ADJ
fsr-4057	10	5	institutions	institution	NOUN
fsr-4057	10	6	,	,	PUNCT
fsr-4057	10	7	both	both	CCONJ
fsr-4057	10	8	internal	internal	ADJ
fsr-4057	10	9	and	and	CCONJ
fsr-4057	10	10	external	external	ADJ
fsr-4057	10	11	,	,	PUNCT
fsr-4057	10	12	can	can	AUX
fsr-4057	10	13	focus	focus	VERB
fsr-4057	10	14	on	on	ADP
fsr-4057	10	15	decreasing	decrease	VERB
fsr-4057	10	16	the	the	DET
fsr-4057	10	17	rate	rate	NOUN
fsr-4057	10	18	and	and	CCONJ
fsr-4057	10	19	implications	implication	NOUN
fsr-4057	10	20	of	of	ADP
fsr-4057	10	21	fraud	fraud	NOUN
fsr-4057	10	22	and	and	CCONJ
fsr-4057	10	23	atm	atm	ADJ
fsr-4057	10	24	challenges	challenge	NOUN
fsr-4057	10	25	on	on	ADP
fsr-4057	10	26	consumer	consumer	NOUN
fsr-4057	10	27	finances	finance	NOUN
fsr-4057	10	28	.	.	PUNCT
fsr-4057	11	1	internally	internally	ADV
fsr-4057	11	2	,	,	PUNCT
fsr-4057	11	3	improving	improve	VERB
fsr-4057	11	4	customer	customer	NOUN
fsr-4057	11	5	service	service	NOUN
fsr-4057	11	6	in	in	ADP
fsr-4057	11	7	several	several	ADJ
fsr-4057	11	8	key	key	ADJ
fsr-4057	11	9	areas	area	NOUN
fsr-4057	11	10	through	through	ADP
fsr-4057	11	11	rigorous	rigorous	ADJ
fsr-4057	11	12	training	training	NOUN
fsr-4057	11	13	to	to	ADP
fsr-4057	11	14	standards	standard	NOUN
fsr-4057	11	15	and	and	CCONJ
fsr-4057	11	16	monitoring	monitoring	NOUN
fsr-4057	11	17	as	as	ADV
fsr-4057	11	18	well	well	ADV
fsr-4057	11	19	as	as	ADP
fsr-4057	11	20	enhanced	enhanced	ADJ
fsr-4057	11	21	grievance	grievance	NOUN
fsr-4057	11	22	procedures	procedure	NOUN
fsr-4057	11	23	,	,	PUNCT
fsr-4057	11	24	may	may	AUX
fsr-4057	11	25	also	also	ADV
fsr-4057	11	26	be	be	AUX
fsr-4057	11	27	impactful	impactful	ADJ
fsr-4057	11	28	.	.	PUNCT
fsr-4057	12	1	creative	creative	ADJ
fsr-4057	12	2	commons	commons	PROPN
fsr-4057	12	3	license	license	NOUN
fsr-4057	12	4	this	this	DET
fsr-4057	12	5	work	work	NOUN
fsr-4057	12	6	is	be	AUX
fsr-4057	12	7	licensed	license	VERB
fsr-4057	12	8	under	under	ADP
fsr-4057	12	9	a	a	DET
fsr-4057	12	10	creative	creative	ADJ
fsr-4057	12	11	commons	common	NOUN
fsr-4057	12	12	attribution	attribution	NOUN
fsr-4057	12	13	-	-	PUNCT
fsr-4057	12	14	noncommercial	noncommercial	ADJ
fsr-4057	12	15	4.0	4.0	NUM
fsr-4057	12	16	license	license	NOUN
fsr-4057	12	17	recommended	recommend	VERB
fsr-4057	12	18	citation	citation	NOUN
fsr-4057	12	19	birkenmaier	birkenmaier	NOUN
fsr-4057	12	20	,	,	PUNCT
fsr-4057	12	21	j.	j.	PROPN
fsr-4057	12	22	&	&	CCONJ
fsr-4057	12	23	stratman	stratman	PROPN
fsr-4057	12	24	,	,	PUNCT
fsr-4057	12	25	h.	h.	PROPN
fsr-4057	12	26	(	(	PUNCT
fsr-4057	12	27	2025	2025	NUM
fsr-4057	12	28	)	)	PUNCT
fsr-4057	12	29	.	.	PUNCT
fsr-4057	13	1	consumers	consumer	NOUN
fsr-4057	13	2	’	'	PUNCT
fsr-4057	13	3	basic	basic	ADJ
fsr-4057	13	4	bank	bank	NOUN
fsr-4057	13	5	account	account	NOUN
fsr-4057	13	6	complaints	complaint	NOUN
fsr-4057	13	7	and	and	CCONJ
fsr-4057	13	8	their	their	PRON
fsr-4057	13	9	financial	financial	ADJ
fsr-4057	13	10	hardships	hardship	NOUN
fsr-4057	13	11	:	:	PUNCT
fsr-4057	13	12	a	a	DET
fsr-4057	13	13	content	content	NOUN
fsr-4057	13	14	analysis	analysis	NOUN
fsr-4057	13	15	of	of	ADP
fsr-4057	13	16	complaints	complaint	NOUN
fsr-4057	13	17	filed	file	VERB
fsr-4057	13	18	with	with	ADP
fsr-4057	13	19	the	the	DET
fsr-4057	13	20	consumer	consumer	NOUN
fsr-4057	13	21	financial	financial	PROPN
fsr-4057	13	22	protection	protection	PROPN
fsr-4057	13	23	bureau	bureau	PROPN
fsr-4057	13	24	(	(	PUNCT
fsr-4057	13	25	cfpb	cfpb	NOUN
fsr-4057	13	26	)	)	PUNCT
fsr-4057	13	27	.	.	PUNCT
fsr-4057	14	1	financial	financial	ADJ
fsr-4057	14	2	services	services	PROPN
fsr-4057	14	3	review	review	PROPN
fsr-4057	14	4	,	,	PUNCT
fsr-4057	14	5	33(2	33(2	NUM
fsr-4057	14	6	)	)	PUNCT
fsr-4057	14	7	,	,	PUNCT
fsr-4057	14	8	15	15	NUM
fsr-4057	14	9	-	-	SYM
fsr-4057	14	10	35	35	NUM
fsr-4057	14	11	.	.	NOUN
fsr-4057	14	12	1	1	NUM
fsr-4057	14	13	corresponding	correspond	VERB
fsr-4057	14	14	author	author	NOUN
fsr-4057	14	15	(	(	PUNCT
fsr-4057	14	16	julie.birkenmaier@slu.edu	julie.birkenmaier@slu.edu	PROPN
fsr-4057	14	17	)	)	PUNCT
fsr-4057	14	18	.	.	PUNCT
fsr-4057	15	1	saint	saint	PROPN
fsr-4057	15	2	louis	louis	PROPN
fsr-4057	15	3	university	university	PROPN
fsr-4057	15	4	school	school	NOUN
fsr-4057	15	5	of	of	ADP
fsr-4057	15	6	social	social	ADJ
fsr-4057	15	7	work	work	NOUN
fsr-4057	15	8	,	,	PUNCT
fsr-4057	15	9	st	st	PROPN
fsr-4057	15	10	.	.	PROPN
fsr-4057	15	11	louis	louis	PROPN
fsr-4057	15	12	.	.	PUNCT
fsr-4057	16	1	missouri	missouri	PROPN
fsr-4057	16	2	,	,	PUNCT
fsr-4057	16	3	usa	usa	PROPN
fsr-4057	16	4	2	2	NUM
fsr-4057	16	5	saint	saint	PROPN
fsr-4057	16	6	louis	louis	PROPN
fsr-4057	16	7	university	university	PROPN
fsr-4057	16	8	school	school	NOUN
fsr-4057	16	9	of	of	ADP
fsr-4057	16	10	social	social	ADJ
fsr-4057	16	11	work	work	NOUN
fsr-4057	16	12	,	,	PUNCT
fsr-4057	16	13	st	st	PROPN
fsr-4057	16	14	.	.	PROPN
fsr-4057	16	15	louis	louis	PROPN
fsr-4057	16	16	.	.	PUNCT
fsr-4057	16	17	missouri	missouri	PROPN
fsr-4057	16	18	,	,	PUNCT
fsr-4057	16	19	usa	usa	PROPN
fsr-4057	16	20	.	.	PROPN
fsr-4057	17	1	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	DET
fsr-4057	17	2	mailto:julie.birkenmaier@slu.edu	mailto:julie.birkenmaier@slu.edu	NOUN
fsr-4057	17	3	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
fsr-4057	17	4	financial	financial	ADJ
fsr-4057	17	5	services	service	NOUN
fsr-4057	17	6	review	review	NOUN
fsr-4057	17	7	,	,	PUNCT
fsr-4057	17	8	33(2	33(2	NUM
fsr-4057	17	9	)	)	PUNCT
fsr-4057	17	10	16	16	NUM
fsr-4057	17	11	introduction	introduction	NOUN
fsr-4057	17	12	financial	financial	ADJ
fsr-4057	17	13	institutions	institution	NOUN
fsr-4057	17	14	play	play	VERB
fsr-4057	17	15	a	a	DET
fsr-4057	17	16	large	large	ADJ
fsr-4057	17	17	and	and	CCONJ
fsr-4057	17	18	powerful	powerful	ADJ
fsr-4057	17	19	role	role	NOUN
fsr-4057	17	20	in	in	ADP
fsr-4057	17	21	the	the	DET
fsr-4057	17	22	economy	economy	NOUN
fsr-4057	17	23	and	and	CCONJ
fsr-4057	17	24	in	in	ADP
fsr-4057	17	25	the	the	DET
fsr-4057	17	26	lives	life	NOUN
fsr-4057	17	27	of	of	ADP
fsr-4057	17	28	everyday	everyday	ADJ
fsr-4057	17	29	american	american	ADJ
fsr-4057	17	30	consumers	consumer	NOUN
fsr-4057	17	31	.	.	PUNCT
fsr-4057	18	1	however	however	ADV
fsr-4057	18	2	,	,	PUNCT
fsr-4057	18	3	declining	decline	VERB
fsr-4057	18	4	u.s	u.s	PROPN
fsr-4057	18	5	.	.	PROPN
fsr-4057	18	6	consumer	consumer	NOUN
fsr-4057	18	7	trust	trust	NOUN
fsr-4057	18	8	in	in	ADP
fsr-4057	18	9	the	the	DET
fsr-4057	18	10	financial	financial	ADJ
fsr-4057	18	11	services	service	NOUN
fsr-4057	18	12	industry	industry	NOUN
fsr-4057	18	13	in	in	ADP
fsr-4057	18	14	recent	recent	ADJ
fsr-4057	18	15	years	year	NOUN
fsr-4057	18	16	has	have	AUX
fsr-4057	18	17	co	co	VERB
fsr-4057	18	18	-	-	VERB
fsr-4057	18	19	occurred	occur	VERB
fsr-4057	18	20	with	with	ADP
fsr-4057	18	21	increasing	increase	VERB
fsr-4057	18	22	consumer	consumer	NOUN
fsr-4057	18	23	vulnerability	vulnerability	NOUN
fsr-4057	18	24	(	(	PUNCT
fsr-4057	18	25	i.e.	i.e.	X
fsr-4057	18	26	,	,	PUNCT
fsr-4057	18	27	consumers	consumer	NOUN
fsr-4057	18	28	'	'	PART
fsr-4057	18	29	ability	ability	NOUN
fsr-4057	18	30	to	to	PART
fsr-4057	18	31	effectively	effectively	ADV
fsr-4057	18	32	engage	engage	VERB
fsr-4057	18	33	in	in	ADP
fsr-4057	18	34	the	the	DET
fsr-4057	18	35	market	market	NOUN
fsr-4057	18	36	due	due	ADP
fsr-4057	18	37	to	to	ADP
fsr-4057	18	38	the	the	DET
fsr-4057	18	39	risk	risk	NOUN
fsr-4057	18	40	of	of	ADP
fsr-4057	18	41	financial	financial	ADJ
fsr-4057	18	42	hardship	hardship	NOUN
fsr-4057	18	43	)	)	PUNCT
fsr-4057	18	44	with	with	ADP
fsr-4057	18	45	mainstream	mainstream	ADJ
fsr-4057	18	46	financial	financial	ADJ
fsr-4057	18	47	institutions	institution	NOUN
fsr-4057	18	48	for	for	ADP
fsr-4057	18	49	a	a	DET
fsr-4057	18	50	number	number	NOUN
fsr-4057	18	51	of	of	ADP
fsr-4057	18	52	reasons	reason	NOUN
fsr-4057	18	53	(	(	PUNCT
fsr-4057	18	54	chawla	chawla	PROPN
fsr-4057	18	55	et	et	PROPN
fsr-4057	18	56	al	al	PROPN
fsr-4057	18	57	.	.	PROPN
fsr-4057	18	58	,	,	PUNCT
fsr-4057	18	59	2023	2023	NUM
fsr-4057	18	60	;	;	PUNCT
fsr-4057	18	61	edelman	edelman	NOUN
fsr-4057	18	62	,	,	PUNCT
fsr-4057	18	63	2022	2022	NUM
fsr-4057	18	64	;	;	PUNCT
fsr-4057	18	65	o’connor	o’connor	ADV
fsr-4057	18	66	et	et	PROPN
fsr-4057	18	67	al	al	PROPN
fsr-4057	18	68	.	.	PROPN
fsr-4057	18	69	,	,	PUNCT
fsr-4057	18	70	2019	2019	NUM
fsr-4057	18	71	)	)	PUNCT
fsr-4057	18	72	.	.	PUNCT
fsr-4057	19	1	first	first	ADV
fsr-4057	19	2	,	,	PUNCT
fsr-4057	19	3	consumer	consumer	NOUN
fsr-4057	19	4	vulnerability	vulnerability	NOUN
fsr-4057	19	5	is	be	AUX
fsr-4057	19	6	influenced	influence	VERB
fsr-4057	19	7	by	by	ADP
fsr-4057	19	8	financial	financial	ADJ
fsr-4057	19	9	literacy	literacy	NOUN
fsr-4057	19	10	,	,	PUNCT
fsr-4057	19	11	which	which	PRON
fsr-4057	19	12	is	be	AUX
fsr-4057	19	13	generally	generally	ADV
fsr-4057	19	14	low	low	ADJ
fsr-4057	19	15	(	(	PUNCT
fsr-4057	19	16	klapper	klapper	NOUN
fsr-4057	19	17	&	&	CCONJ
fsr-4057	19	18	lusardi	lusardi	PROPN
fsr-4057	19	19	,	,	PUNCT
fsr-4057	19	20	2019	2019	NUM
fsr-4057	19	21	)	)	PUNCT
fsr-4057	19	22	.	.	PUNCT
fsr-4057	20	1	lower	low	ADJ
fsr-4057	20	2	financial	financial	ADJ
fsr-4057	20	3	literacy	literacy	NOUN
fsr-4057	20	4	leaves	leave	VERB
fsr-4057	20	5	consumers	consumer	NOUN
fsr-4057	20	6	in	in	ADP
fsr-4057	20	7	a	a	DET
fsr-4057	20	8	less	less	ADV
fsr-4057	20	9	-	-	PUNCT
fsr-4057	20	10	advantaged	advantaged	ADJ
fsr-4057	20	11	position	position	NOUN
fsr-4057	20	12	to	to	PART
fsr-4057	20	13	determine	determine	VERB
fsr-4057	20	14	the	the	DET
fsr-4057	20	15	best	good	ADJ
fsr-4057	20	16	product	product	NOUN
fsr-4057	20	17	fit	fit	ADJ
fsr-4057	20	18	for	for	ADP
fsr-4057	20	19	them	they	PRON
fsr-4057	20	20	in	in	ADP
fsr-4057	20	21	their	their	PRON
fsr-4057	20	22	circumstances	circumstance	NOUN
fsr-4057	20	23	and	and	CCONJ
fsr-4057	20	24	to	to	PART
fsr-4057	20	25	understand	understand	VERB
fsr-4057	20	26	the	the	DET
fsr-4057	20	27	various	various	ADJ
fsr-4057	20	28	processes	process	NOUN
fsr-4057	20	29	in	in	ADP
fsr-4057	20	30	place	place	NOUN
fsr-4057	20	31	regarding	regard	VERB
fsr-4057	20	32	their	their	PRON
fsr-4057	20	33	transactions	transaction	NOUN
fsr-4057	20	34	and	and	CCONJ
fsr-4057	20	35	investment	investment	NOUN
fsr-4057	20	36	opportunities	opportunity	NOUN
fsr-4057	20	37	.	.	PUNCT
fsr-4057	21	1	in	in	ADP
fsr-4057	21	2	addition	addition	NOUN
fsr-4057	21	3	,	,	PUNCT
fsr-4057	21	4	the	the	DET
fsr-4057	21	5	number	number	NOUN
fsr-4057	21	6	of	of	ADP
fsr-4057	21	7	financial	financial	ADJ
fsr-4057	21	8	institutions	institution	NOUN
fsr-4057	21	9	and	and	CCONJ
fsr-4057	21	10	geographic	geographic	ADJ
fsr-4057	21	11	distribution	distribution	NOUN
fsr-4057	21	12	of	of	ADP
fsr-4057	21	13	bank	bank	NOUN
fsr-4057	21	14	branches	branch	NOUN
fsr-4057	21	15	has	have	AUX
fsr-4057	21	16	decreased	decrease	VERB
fsr-4057	21	17	dramatically	dramatically	ADV
fsr-4057	21	18	in	in	ADP
fsr-4057	21	19	recent	recent	ADJ
fsr-4057	21	20	years	year	NOUN
fsr-4057	21	21	(	(	PUNCT
fsr-4057	21	22	national	national	ADJ
fsr-4057	21	23	bureau	bureau	NOUN
fsr-4057	21	24	of	of	ADP
fsr-4057	21	25	economic	economic	ADJ
fsr-4057	21	26	research	research	NOUN
fsr-4057	21	27	,	,	PUNCT
fsr-4057	21	28	2023	2023	NUM
fsr-4057	21	29	)	)	PUNCT
fsr-4057	21	30	,	,	PUNCT
fsr-4057	21	31	which	which	PRON
fsr-4057	21	32	means	mean	VERB
fsr-4057	21	33	that	that	SCONJ
fsr-4057	21	34	many	many	ADJ
fsr-4057	21	35	americans	americans	PROPN
fsr-4057	21	36	preferring	prefer	VERB
fsr-4057	21	37	to	to	PART
fsr-4057	21	38	have	have	VERB
fsr-4057	21	39	the	the	DET
fsr-4057	21	40	option	option	NOUN
fsr-4057	21	41	of	of	ADP
fsr-4057	21	42	in	in	ADP
fsr-4057	21	43	-	-	PUNCT
fsr-4057	21	44	person	person	NOUN
fsr-4057	21	45	transactions	transaction	NOUN
fsr-4057	21	46	and	and	CCONJ
fsr-4057	21	47	communications	communication	NOUN
fsr-4057	21	48	(	(	PUNCT
fsr-4057	21	49	including	include	VERB
fsr-4057	21	50	when	when	SCONJ
fsr-4057	21	51	needed	need	VERB
fsr-4057	21	52	to	to	PART
fsr-4057	21	53	rectify	rectify	VERB
fsr-4057	21	54	issues	issue	NOUN
fsr-4057	21	55	)	)	PUNCT
fsr-4057	21	56	have	have	VERB
fsr-4057	21	57	fewer	few	ADJ
fsr-4057	21	58	options	option	NOUN
fsr-4057	21	59	.	.	PUNCT
fsr-4057	22	1	consumers	consumer	NOUN
fsr-4057	22	2	who	who	PRON
fsr-4057	22	3	live	live	VERB
fsr-4057	22	4	in	in	ADP
fsr-4057	22	5	rural	rural	ADJ
fsr-4057	22	6	areas	area	NOUN
fsr-4057	22	7	and	and	CCONJ
fsr-4057	22	8	without	without	ADP
fsr-4057	22	9	reliable	reliable	ADJ
fsr-4057	22	10	,	,	PUNCT
fsr-4057	22	11	strong	strong	ADJ
fsr-4057	22	12	internet	internet	NOUN
fsr-4057	22	13	connectivity	connectivity	NOUN
fsr-4057	22	14	have	have	VERB
fsr-4057	22	15	fewer	few	ADJ
fsr-4057	22	16	bank	bank	NOUN
fsr-4057	22	17	options	option	NOUN
fsr-4057	22	18	(	(	PUNCT
fsr-4057	22	19	lee	lee	PROPN
fsr-4057	22	20	et	et	PROPN
fsr-4057	22	21	al	al	PROPN
fsr-4057	22	22	.	.	PROPN
fsr-4057	22	23	,	,	PUNCT
fsr-4057	22	24	2022	2022	NUM
fsr-4057	22	25	)	)	PUNCT
fsr-4057	22	26	.	.	PUNCT
fsr-4057	23	1	given	give	VERB
fsr-4057	23	2	the	the	DET
fsr-4057	23	3	increased	increase	VERB
fsr-4057	23	4	difficulty	difficulty	NOUN
fsr-4057	23	5	of	of	ADP
fsr-4057	23	6	reaching	reach	VERB
fsr-4057	23	7	them	they	PRON
fsr-4057	23	8	,	,	PUNCT
fsr-4057	23	9	financial	financial	ADJ
fsr-4057	23	10	institutions	institution	NOUN
fsr-4057	23	11	may	may	AUX
fsr-4057	23	12	have	have	VERB
fsr-4057	23	13	less	less	ADJ
fsr-4057	23	14	incentive	incentive	NOUN
fsr-4057	23	15	to	to	PART
fsr-4057	23	16	offer	offer	VERB
fsr-4057	23	17	products	product	NOUN
fsr-4057	23	18	that	that	PRON
fsr-4057	23	19	meet	meet	VERB
fsr-4057	23	20	their	their	PRON
fsr-4057	23	21	needs	need	NOUN
fsr-4057	23	22	.	.	PUNCT
fsr-4057	24	1	customer	customer	NOUN
fsr-4057	24	2	service	service	NOUN
fsr-4057	24	3	in	in	ADP
fsr-4057	24	4	retail	retail	ADJ
fsr-4057	24	5	financial	financial	ADJ
fsr-4057	24	6	institutions	institution	NOUN
fsr-4057	24	7	has	have	AUX
fsr-4057	24	8	become	become	VERB
fsr-4057	24	9	increasingly	increasingly	ADV
fsr-4057	24	10	automated	automate	VERB
fsr-4057	24	11	,	,	PUNCT
fsr-4057	24	12	which	which	PRON
fsr-4057	24	13	can	can	AUX
fsr-4057	24	14	make	make	VERB
fsr-4057	24	15	it	it	PRON
fsr-4057	24	16	difficult	difficult	ADJ
fsr-4057	24	17	to	to	PART
fsr-4057	24	18	gain	gain	VERB
fsr-4057	24	19	needed	need	VERB
fsr-4057	24	20	information	information	NOUN
fsr-4057	24	21	and	and	CCONJ
fsr-4057	24	22	participate	participate	VERB
fsr-4057	24	23	in	in	ADP
fsr-4057	24	24	dispute	dispute	NOUN
fsr-4057	24	25	resolution	resolution	NOUN
fsr-4057	24	26	(	(	PUNCT
fsr-4057	24	27	cfpb	cfpb	NOUN
fsr-4057	24	28	,	,	PUNCT
fsr-4057	24	29	2023b	2023b	NUM
fsr-4057	24	30	)	)	PUNCT
fsr-4057	24	31	.	.	PUNCT
fsr-4057	25	1	consumers	consumer	NOUN
fsr-4057	25	2	with	with	ADP
fsr-4057	25	3	lower	low	ADJ
fsr-4057	25	4	income	income	NOUN
fsr-4057	25	5	may	may	AUX
fsr-4057	25	6	struggle	struggle	VERB
fsr-4057	25	7	with	with	ADP
fsr-4057	25	8	product	product	NOUN
fsr-4057	25	9	cost	cost	NOUN
fsr-4057	25	10	,	,	PUNCT
fsr-4057	25	11	such	such	ADJ
fsr-4057	25	12	as	as	ADP
fsr-4057	25	13	in	in	ADP
fsr-4057	25	14	maintaining	maintain	VERB
fsr-4057	25	15	minimum	minimum	ADJ
fsr-4057	25	16	balances	balance	NOUN
fsr-4057	25	17	or	or	CCONJ
fsr-4057	25	18	meeting	meet	VERB
fsr-4057	25	19	transaction	transaction	NOUN
fsr-4057	25	20	requirements	requirement	NOUN
fsr-4057	25	21	(	(	PUNCT
fsr-4057	25	22	fdic	fdic	ADJ
fsr-4057	25	23	,	,	PUNCT
fsr-4057	25	24	2022	2022	NUM
fsr-4057	25	25	)	)	PUNCT
fsr-4057	25	26	.	.	PUNCT
fsr-4057	26	1	these	these	DET
fsr-4057	26	2	consumers	consumer	NOUN
fsr-4057	26	3	may	may	AUX
fsr-4057	26	4	also	also	ADV
fsr-4057	26	5	perceive	perceive	VERB
fsr-4057	26	6	unfairness	unfairness	NOUN
fsr-4057	26	7	and	and	CCONJ
fsr-4057	26	8	discrimination	discrimination	NOUN
fsr-4057	26	9	in	in	ADP
fsr-4057	26	10	their	their	PRON
fsr-4057	26	11	treatment	treatment	NOUN
fsr-4057	26	12	when	when	SCONJ
fsr-4057	26	13	working	work	VERB
fsr-4057	26	14	with	with	ADP
fsr-4057	26	15	financial	financial	ADJ
fsr-4057	26	16	institution	institution	NOUN
fsr-4057	26	17	staff	staff	NOUN
fsr-4057	26	18	(	(	PUNCT
fsr-4057	26	19	kamran	kamran	PROPN
fsr-4057	26	20	&	&	CCONJ
fsr-4057	26	21	uusitalo	uusitalo	PROPN
fsr-4057	26	22	,	,	PUNCT
fsr-4057	26	23	2019	2019	NUM
fsr-4057	26	24	;	;	PUNCT
fsr-4057	26	25	lim	lim	PROPN
fsr-4057	26	26	&	&	CCONJ
fsr-4057	26	27	letkiewicz	letkiewicz	PROPN
fsr-4057	26	28	,	,	PUNCT
fsr-4057	26	29	2023	2023	NUM
fsr-4057	26	30	)	)	PUNCT
fsr-4057	26	31	.	.	PUNCT
fsr-4057	27	1	personal	personal	ADJ
fsr-4057	27	2	attributes	attribute	NOUN
fsr-4057	27	3	,	,	PUNCT
fsr-4057	27	4	such	such	ADJ
fsr-4057	27	5	as	as	ADP
fsr-4057	27	6	disability	disability	NOUN
fsr-4057	27	7	,	,	PUNCT
fsr-4057	27	8	physical	physical	ADJ
fsr-4057	27	9	and	and	CCONJ
fsr-4057	27	10	mental	mental	ADJ
fsr-4057	27	11	health	health	NOUN
fsr-4057	27	12	challenges	challenge	NOUN
fsr-4057	27	13	,	,	PUNCT
fsr-4057	27	14	and	and	CCONJ
fsr-4057	27	15	experiences	experience	NOUN
fsr-4057	27	16	of	of	ADP
fsr-4057	27	17	intimate	intimate	ADJ
fsr-4057	27	18	partner	partner	NOUN
fsr-4057	27	19	violence	violence	NOUN
fsr-4057	27	20	,	,	PUNCT
fsr-4057	27	21	can	can	AUX
fsr-4057	27	22	also	also	ADV
fsr-4057	27	23	contribute	contribute	VERB
fsr-4057	27	24	to	to	ADP
fsr-4057	27	25	consumer	consumer	NOUN
fsr-4057	27	26	vulnerability	vulnerability	NOUN
fsr-4057	27	27	(	(	PUNCT
fsr-4057	27	28	mogaji	mogaji	ADJ
fsr-4057	27	29	,	,	PUNCT
fsr-4057	27	30	2020	2020	NUM
fsr-4057	27	31	;	;	PUNCT
fsr-4057	27	32	scott	scott	PROPN
fsr-4057	27	33	,	,	PUNCT
fsr-4057	27	34	2023	2023	NUM
fsr-4057	27	35	)	)	PUNCT
fsr-4057	27	36	.	.	PUNCT
fsr-4057	28	1	in	in	ADP
fsr-4057	28	2	sum	sum	NOUN
fsr-4057	28	3	,	,	PUNCT
fsr-4057	28	4	consumer	consumer	NOUN
fsr-4057	28	5	vulnerability	vulnerability	NOUN
fsr-4057	28	6	and	and	CCONJ
fsr-4057	28	7	diminished	diminished	ADJ
fsr-4057	28	8	trust	trust	NOUN
fsr-4057	28	9	in	in	ADP
fsr-4057	28	10	financial	financial	ADJ
fsr-4057	28	11	institutions	institution	NOUN
fsr-4057	28	12	can	can	AUX
fsr-4057	28	13	lead	lead	VERB
fsr-4057	28	14	to	to	ADP
fsr-4057	28	15	suboptimal	suboptimal	ADJ
fsr-4057	28	16	product	product	NOUN
fsr-4057	28	17	ownership	ownership	NOUN
fsr-4057	28	18	experience	experience	NOUN
fsr-4057	28	19	with	with	ADP
fsr-4057	28	20	negative	negative	ADJ
fsr-4057	28	21	ramifications	ramification	NOUN
fsr-4057	28	22	for	for	ADP
fsr-4057	28	23	personal	personal	ADJ
fsr-4057	28	24	finances	finance	NOUN
fsr-4057	28	25	.	.	PUNCT
fsr-4057	29	1	within	within	ADP
fsr-4057	29	2	this	this	DET
fsr-4057	29	3	context	context	NOUN
fsr-4057	29	4	,	,	PUNCT
fsr-4057	29	5	millions	million	NOUN
fsr-4057	29	6	of	of	ADP
fsr-4057	29	7	american	american	ADJ
fsr-4057	29	8	consumers	consumer	NOUN
fsr-4057	29	9	experience	experience	VERB
fsr-4057	29	10	challenges	challenge	NOUN
fsr-4057	29	11	with	with	ADP
fsr-4057	29	12	their	their	PRON
fsr-4057	29	13	basic	basic	ADJ
fsr-4057	29	14	bank	bank	NOUN
fsr-4057	29	15	account	account	NOUN
fsr-4057	29	16	every	every	DET
fsr-4057	29	17	year	year	NOUN
fsr-4057	29	18	.	.	PUNCT
fsr-4057	30	1	some	some	PRON
fsr-4057	30	2	of	of	ADP
fsr-4057	30	3	these	these	DET
fsr-4057	30	4	consumers	consumer	NOUN
fsr-4057	30	5	will	will	AUX
fsr-4057	30	6	try	try	VERB
fsr-4057	30	7	to	to	PART
fsr-4057	30	8	resolve	resolve	VERB
fsr-4057	30	9	these	these	DET
fsr-4057	30	10	issues	issue	NOUN
fsr-4057	30	11	by	by	ADP
fsr-4057	30	12	contacting	contact	VERB
fsr-4057	30	13	customer	customer	NOUN
fsr-4057	30	14	service	service	NOUN
fsr-4057	30	15	and	and	CCONJ
fsr-4057	30	16	using	use	VERB
fsr-4057	30	17	the	the	DET
fsr-4057	30	18	appeal	appeal	NOUN
fsr-4057	30	19	mechanisms	mechanism	NOUN
fsr-4057	30	20	of	of	ADP
fsr-4057	30	21	their	their	PRON
fsr-4057	30	22	financial	financial	ADJ
fsr-4057	30	23	institution	institution	NOUN
fsr-4057	30	24	.	.	PUNCT
fsr-4057	31	1	if	if	SCONJ
fsr-4057	31	2	unsuccessful	unsuccessful	ADJ
fsr-4057	31	3	at	at	ADP
fsr-4057	31	4	a	a	DET
fsr-4057	31	5	satisfactory	satisfactory	ADJ
fsr-4057	31	6	resolution	resolution	NOUN
fsr-4057	31	7	,	,	PUNCT
fsr-4057	31	8	consumers	consumer	NOUN
fsr-4057	31	9	may	may	AUX
fsr-4057	31	10	contact	contact	VERB
fsr-4057	31	11	federal	federal	ADJ
fsr-4057	31	12	agencies	agency	NOUN
fsr-4057	31	13	that	that	PRON
fsr-4057	31	14	can	can	AUX
fsr-4057	31	15	assist	assist	VERB
fsr-4057	31	16	in	in	ADP
fsr-4057	31	17	mediation	mediation	NOUN
fsr-4057	31	18	.	.	PUNCT
fsr-4057	32	1	challenges	challenge	NOUN
fsr-4057	32	2	with	with	ADP
fsr-4057	32	3	many	many	ADJ
fsr-4057	32	4	financial	financial	ADJ
fsr-4057	32	5	products	product	NOUN
fsr-4057	32	6	,	,	PUNCT
fsr-4057	32	7	such	such	ADJ
fsr-4057	32	8	as	as	ADP
fsr-4057	32	9	credit	credit	NOUN
fsr-4057	32	10	cards	card	NOUN
fsr-4057	32	11	,	,	PUNCT
fsr-4057	32	12	mortgages	mortgage	NOUN
fsr-4057	32	13	,	,	PUNCT
fsr-4057	32	14	and	and	CCONJ
fsr-4057	32	15	others	other	NOUN
fsr-4057	32	16	have	have	AUX
fsr-4057	32	17	been	be	AUX
fsr-4057	32	18	examined	examine	VERB
fsr-4057	32	19	,	,	PUNCT
fsr-4057	32	20	with	with	ADP
fsr-4057	32	21	results	result	NOUN
fsr-4057	32	22	suggesting	suggest	VERB
fsr-4057	32	23	potential	potential	ADJ
fsr-4057	32	24	negative	negative	ADJ
fsr-4057	32	25	ramifications	ramification	NOUN
fsr-4057	32	26	for	for	ADP
fsr-4057	32	27	consumers	consumer	NOUN
fsr-4057	32	28	(	(	PUNCT
fsr-4057	32	29	dou	dou	X
fsr-4057	32	30	et	et	PROPN
fsr-4057	32	31	al	al	PROPN
fsr-4057	32	32	.	.	PROPN
fsr-4057	32	33	,	,	PUNCT
fsr-4057	32	34	2024	2024	NUM
fsr-4057	32	35	;	;	PUNCT
fsr-4057	32	36	estelami	estelami	PROPN
fsr-4057	32	37	&	&	CCONJ
fsr-4057	32	38	liu	liu	PROPN
fsr-4057	32	39	,	,	PUNCT
fsr-4057	32	40	2023	2023	NUM
fsr-4057	32	41	;	;	PUNCT
fsr-4057	32	42	halvorsen	halvorsen	PROPN
fsr-4057	32	43	&	&	CCONJ
fsr-4057	32	44	møkkelgård	møkkelgård	PROPN
fsr-4057	32	45	,	,	PUNCT
fsr-4057	32	46	2018	2018	NUM
fsr-4057	32	47	;	;	PUNCT
fsr-4057	32	48	polat	polat	NOUN
fsr-4057	32	49	et	et	PROPN
fsr-4057	32	50	al	al	PROPN
fsr-4057	32	51	.	.	PROPN
fsr-4057	32	52	,	,	PUNCT
fsr-4057	32	53	2023	2023	NUM
fsr-4057	32	54	)	)	PUNCT
fsr-4057	32	55	.	.	PUNCT
fsr-4057	33	1	however	however	ADV
fsr-4057	33	2	,	,	PUNCT
fsr-4057	33	3	the	the	DET
fsr-4057	33	4	ramifications	ramification	NOUN
fsr-4057	33	5	of	of	ADP
fsr-4057	33	6	bank	bank	NOUN
fsr-4057	33	7	account	account	NOUN
fsr-4057	33	8	challenges	challenge	NOUN
fsr-4057	33	9	is	be	AUX
fsr-4057	33	10	an	an	DET
fsr-4057	33	11	under	under	ADV
fsr-4057	33	12	-	-	PUNCT
fsr-4057	33	13	studied	study	VERB
fsr-4057	33	14	,	,	PUNCT
fsr-4057	33	15	yet	yet	CCONJ
fsr-4057	33	16	important	important	ADJ
fsr-4057	33	17	,	,	PUNCT
fsr-4057	33	18	aspect	aspect	NOUN
fsr-4057	33	19	of	of	ADP
fsr-4057	33	20	the	the	DET
fsr-4057	33	21	consumer	consumer	NOUN
fsr-4057	33	22	financial	financial	ADJ
fsr-4057	33	23	experience	experience	NOUN
fsr-4057	33	24	.	.	PUNCT
fsr-4057	34	1	background	background	NOUN
fsr-4057	34	2	theoretical	theoretical	ADJ
fsr-4057	34	3	framework	framework	NOUN
fsr-4057	34	4	several	several	ADJ
fsr-4057	34	5	theoretical	theoretical	ADJ
fsr-4057	34	6	frameworks	framework	NOUN
fsr-4057	34	7	inform	inform	VERB
fsr-4057	34	8	this	this	DET
fsr-4057	34	9	research	research	NOUN
fsr-4057	34	10	.	.	PUNCT
fsr-4057	35	1	first	first	ADV
fsr-4057	35	2	,	,	PUNCT
fsr-4057	35	3	the	the	DET
fsr-4057	35	4	integrative	integrative	ADJ
fsr-4057	35	5	consumer	consumer	NOUN
fsr-4057	35	6	vulnerability	vulnerability	NOUN
fsr-4057	35	7	framework	framework	NOUN
fsr-4057	35	8	is	be	AUX
fsr-4057	35	9	used	use	VERB
fsr-4057	35	10	to	to	PART
fsr-4057	35	11	understand	understand	VERB
fsr-4057	35	12	consumer	consumer	NOUN
fsr-4057	35	13	vulnerability	vulnerability	NOUN
fsr-4057	35	14	in	in	ADP
fsr-4057	35	15	the	the	DET
fsr-4057	35	16	marketplace	marketplace	NOUN
fsr-4057	35	17	.	.	PUNCT
fsr-4057	36	1	this	this	DET
fsr-4057	36	2	framework	framework	NOUN
fsr-4057	36	3	recognizes	recognize	VERB
fsr-4057	36	4	multiple	multiple	ADJ
fsr-4057	36	5	dimensions	dimension	NOUN
fsr-4057	36	6	of	of	ADP
fsr-4057	36	7	vulnerability	vulnerability	NOUN
fsr-4057	36	8	,	,	PUNCT
fsr-4057	36	9	such	such	ADJ
fsr-4057	36	10	as	as	ADP
fsr-4057	36	11	emotional	emotional	ADJ
fsr-4057	36	12	,	,	PUNCT
fsr-4057	36	13	practical	practical	ADJ
fsr-4057	36	14	,	,	PUNCT
fsr-4057	36	15	and	and	CCONJ
fsr-4057	36	16	relational	relational	ADJ
fsr-4057	36	17	factors	factor	NOUN
fsr-4057	36	18	,	,	PUNCT
fsr-4057	36	19	as	as	ADV
fsr-4057	36	20	well	well	ADV
fsr-4057	36	21	as	as	ADP
fsr-4057	36	22	their	their	PRON
fsr-4057	36	23	interrelationships	interrelationship	NOUN
fsr-4057	36	24	.	.	PUNCT
fsr-4057	37	1	additionally	additionally	ADV
fsr-4057	37	2	,	,	PUNCT
fsr-4057	37	3	the	the	DET
fsr-4057	37	4	framework	framework	NOUN
fsr-4057	37	5	highlights	highlight	VERB
fsr-4057	37	6	vulnerability	vulnerability	NOUN
fsr-4057	37	7	as	as	ADP
fsr-4057	37	8	a	a	DET
fsr-4057	37	9	dynamic	dynamic	NOUN
fsr-4057	37	10	that	that	SCONJ
fsr-4057	37	11	consumers	consumer	NOUN
fsr-4057	37	12	can	can	AUX
fsr-4057	37	13	experience	experience	VERB
fsr-4057	37	14	across	across	ADP
fsr-4057	37	15	various	various	ADJ
fsr-4057	37	16	domains	domain	NOUN
fsr-4057	37	17	and	and	CCONJ
fsr-4057	37	18	contexts	context	NOUN
fsr-4057	37	19	.	.	PUNCT
fsr-4057	38	1	the	the	DET
fsr-4057	38	2	framework	framework	NOUN
fsr-4057	38	3	includes	include	VERB
fsr-4057	38	4	two	two	NUM
fsr-4057	38	5	components	component	NOUN
fsr-4057	38	6	:	:	PUNCT
fsr-4057	38	7	a	a	DET
fsr-4057	38	8	transient	transient	NOUN
fsr-4057	38	9	and	and	CCONJ
fsr-4057	38	10	a	a	DET
fsr-4057	38	11	systemic	systemic	ADJ
fsr-4057	38	12	,	,	PUNCT
fsr-4057	38	13	class	class	NOUN
fsr-4057	38	14	-	-	PUNCT
fsr-4057	38	15	based	base	VERB
fsr-4057	38	16	component	component	NOUN
fsr-4057	38	17	.	.	PUNCT
fsr-4057	39	1	the	the	DET
fsr-4057	39	2	transient	transient	ADJ
fsr-4057	39	3	component	component	NOUN
fsr-4057	39	4	is	be	AUX
fsr-4057	39	5	specific	specific	ADJ
fsr-4057	39	6	only	only	ADV
fsr-4057	39	7	to	to	ADP
fsr-4057	39	8	the	the	DET
fsr-4057	39	9	current	current	ADJ
fsr-4057	39	10	episode	episode	NOUN
fsr-4057	39	11	,	,	PUNCT
fsr-4057	39	12	and	and	CCONJ
fsr-4057	39	13	the	the	DET
fsr-4057	39	14	systemic	systemic	ADJ
fsr-4057	39	15	,	,	PUNCT
fsr-4057	39	16	class	class	NOUN
fsr-4057	39	17	-	-	PUNCT
fsr-4057	39	18	based	base	VERB
fsr-4057	39	19	component	component	NOUN
fsr-4057	39	20	is	be	AUX
fsr-4057	39	21	based	base	VERB
fsr-4057	39	22	on	on	ADP
fsr-4057	39	23	demographic	demographic	ADJ
fsr-4057	39	24	or	or	CCONJ
fsr-4057	39	25	sociocultural	sociocultural	ADJ
fsr-4057	39	26	factors	factor	NOUN
fsr-4057	39	27	(	(	PUNCT
fsr-4057	39	28	commuri	commuri	PROPN
fsr-4057	39	29	&	&	CCONJ
fsr-4057	39	30	ekici	ekici	PROPN
fsr-4057	39	31	,	,	PUNCT
fsr-4057	39	32	2008	2008	NUM
fsr-4057	39	33	)	)	PUNCT
fsr-4057	39	34	.	.	PUNCT
fsr-4057	40	1	in	in	ADP
fsr-4057	40	2	this	this	DET
fsr-4057	40	3	study	study	NOUN
fsr-4057	40	4	,	,	PUNCT
fsr-4057	40	5	the	the	DET
fsr-4057	40	6	transient	transient	ADJ
fsr-4057	40	7	component	component	NOUN
fsr-4057	40	8	is	be	AUX
fsr-4057	40	9	used	use	VERB
fsr-4057	40	10	to	to	PART
fsr-4057	40	11	examine	examine	VERB
fsr-4057	40	12	the	the	DET
fsr-4057	40	13	ways	way	NOUN
fsr-4057	40	14	in	in	ADP
fsr-4057	40	15	which	which	PRON
fsr-4057	40	16	current	current	ADJ
fsr-4057	40	17	bank	bank	NOUN
fsr-4057	40	18	account	account	NOUN
fsr-4057	40	19	issues	issue	NOUN
fsr-4057	40	20	(	(	PUNCT
fsr-4057	40	21	e.g.	e.g.	ADV
fsr-4057	40	22	,	,	PUNCT
fsr-4057	40	23	disputed	dispute	VERB
fsr-4057	40	24	transactions	transaction	NOUN
fsr-4057	40	25	)	)	PUNCT
fsr-4057	40	26	relate	relate	VERB
fsr-4057	40	27	to	to	ADP
fsr-4057	40	28	customer	customer	NOUN
fsr-4057	40	29	service	service	NOUN
fsr-4057	40	30	and	and	CCONJ
fsr-4057	40	31	financial	financial	ADJ
fsr-4057	40	32	hardship	hardship	NOUN
fsr-4057	40	33	.	.	PUNCT
fsr-4057	41	1	the	the	DET
fsr-4057	41	2	framework	framework	NOUN
fsr-4057	41	3	is	be	AUX
fsr-4057	41	4	also	also	ADV
fsr-4057	41	5	used	use	VERB
fsr-4057	41	6	to	to	PART
fsr-4057	41	7	examine	examine	VERB
fsr-4057	41	8	how	how	SCONJ
fsr-4057	41	9	systemic	systemic	ADJ
fsr-4057	41	10	and	and	CCONJ
fsr-4057	41	11	class	class	NOUN
fsr-4057	41	12	-	-	PUNCT
fsr-4057	41	13	based	base	VERB
fsr-4057	41	14	components	component	NOUN
fsr-4057	41	15	(	(	PUNCT
fsr-4057	41	16	i.e.	i.e.	X
fsr-4057	41	17	,	,	PUNCT
fsr-4057	41	18	consumer	consumer	NOUN
fsr-4057	41	19	vulnerabilities	vulnerability	NOUN
fsr-4057	41	20	)	)	PUNCT
fsr-4057	41	21	are	be	AUX
fsr-4057	41	22	associated	associate	VERB
fsr-4057	41	23	with	with	ADP
fsr-4057	41	24	account	account	NOUN
fsr-4057	41	25	challenges	challenge	NOUN
fsr-4057	41	26	,	,	PUNCT
fsr-4057	41	27	customer	customer	NOUN
fsr-4057	41	28	service	service	NOUN
fsr-4057	41	29	,	,	PUNCT
fsr-4057	41	30	and	and	CCONJ
fsr-4057	41	31	financial	financial	ADJ
fsr-4057	41	32	hardships	hardship	NOUN
fsr-4057	41	33	.	.	PUNCT
fsr-4057	42	1	recent	recent	ADJ
fsr-4057	42	2	research	research	NOUN
fsr-4057	42	3	findings	finding	NOUN
fsr-4057	42	4	support	support	VERB
fsr-4057	42	5	the	the	DET
fsr-4057	42	6	notion	notion	NOUN
fsr-4057	42	7	that	that	SCONJ
fsr-4057	42	8	any	any	DET
fsr-4057	42	9	consumer	consumer	NOUN
fsr-4057	42	10	can	can	AUX
fsr-4057	42	11	experience	experience	VERB
fsr-4057	42	12	vulnerability	vulnerability	NOUN
fsr-4057	42	13	due	due	ADP
fsr-4057	42	14	to	to	ADP
fsr-4057	42	15	inequities	inequity	NOUN
fsr-4057	42	16	in	in	ADP
fsr-4057	42	17	the	the	DET
fsr-4057	42	18	birkenmaier	birkenmaier	NOUN
fsr-4057	42	19	&	&	CCONJ
fsr-4057	42	20	stratman	stratman	PROPN
fsr-4057	42	21	17	17	NUM
fsr-4057	42	22	financial	financial	ADJ
fsr-4057	42	23	marketplace	marketplace	NOUN
fsr-4057	42	24	,	,	PUNCT
fsr-4057	42	25	and	and	CCONJ
fsr-4057	42	26	that	that	SCONJ
fsr-4057	42	27	vulnerable	vulnerable	ADJ
fsr-4057	42	28	consumers	consumer	NOUN
fsr-4057	42	29	are	be	AUX
fsr-4057	42	30	more	more	ADV
fsr-4057	42	31	likely	likely	ADJ
fsr-4057	42	32	to	to	PART
fsr-4057	42	33	experience	experience	VERB
fsr-4057	42	34	mistreatment	mistreatment	NOUN
fsr-4057	42	35	(	(	PUNCT
fsr-4057	42	36	e.g.	e.g.	ADV
fsr-4057	42	37	,	,	PUNCT
fsr-4057	42	38	lack	lack	NOUN
fsr-4057	42	39	of	of	ADP
fsr-4057	42	40	disability	disability	NOUN
fsr-4057	42	41	accommodation	accommodation	NOUN
fsr-4057	42	42	)	)	PUNCT
fsr-4057	42	43	(	(	PUNCT
fsr-4057	42	44	garrett	garrett	PROPN
fsr-4057	42	45	&	&	CCONJ
fsr-4057	42	46	toumanoff	toumanoff	PROPN
fsr-4057	42	47	,	,	PUNCT
fsr-4057	42	48	2010	2010	NUM
fsr-4057	42	49	;	;	PUNCT
fsr-4057	42	50	lim	lim	PROPN
fsr-4057	42	51	&	&	CCONJ
fsr-4057	42	52	letkiewicz	letkiewicz	PROPN
fsr-4057	42	53	,	,	PUNCT
fsr-4057	42	54	2023	2023	NUM
fsr-4057	42	55	;	;	PUNCT
fsr-4057	42	56	salisbury	salisbury	PROPN
fsr-4057	42	57	et	et	PROPN
fsr-4057	42	58	al	al	PROPN
fsr-4057	42	59	,	,	PUNCT
fsr-4057	42	60	2023	2023	NUM
fsr-4057	42	61	)	)	PUNCT
fsr-4057	42	62	.	.	PUNCT
fsr-4057	43	1	second	second	ADJ
fsr-4057	43	2	,	,	PUNCT
fsr-4057	43	3	a	a	DET
fsr-4057	43	4	range	range	NOUN
fsr-4057	43	5	of	of	ADP
fsr-4057	43	6	theories	theory	NOUN
fsr-4057	43	7	and	and	CCONJ
fsr-4057	43	8	factors	factor	NOUN
fsr-4057	43	9	can	can	AUX
fsr-4057	43	10	explain	explain	VERB
fsr-4057	43	11	why	why	SCONJ
fsr-4057	43	12	consumers	consumer	NOUN
fsr-4057	43	13	might	might	AUX
fsr-4057	43	14	complain	complain	VERB
fsr-4057	43	15	about	about	ADP
fsr-4057	43	16	a	a	DET
fsr-4057	43	17	retail	retail	ADJ
fsr-4057	43	18	financial	financial	ADJ
fsr-4057	43	19	institution	institution	NOUN
fsr-4057	43	20	by	by	ADP
fsr-4057	43	21	appealing	appeal	VERB
fsr-4057	43	22	to	to	ADP
fsr-4057	43	23	a	a	DET
fsr-4057	43	24	federal	federal	ADJ
fsr-4057	43	25	agency	agency	NOUN
fsr-4057	43	26	in	in	ADP
fsr-4057	43	27	hopes	hope	NOUN
fsr-4057	43	28	of	of	ADP
fsr-4057	43	29	a	a	DET
fsr-4057	43	30	satisfactory	satisfactory	ADJ
fsr-4057	43	31	resolution	resolution	NOUN
fsr-4057	43	32	,	,	PUNCT
fsr-4057	43	33	rather	rather	ADV
fsr-4057	43	34	than	than	ADP
fsr-4057	43	35	just	just	ADV
fsr-4057	43	36	switching	switch	VERB
fsr-4057	43	37	to	to	ADP
fsr-4057	43	38	a	a	DET
fsr-4057	43	39	different	different	ADJ
fsr-4057	43	40	financial	financial	ADJ
fsr-4057	43	41	institution	institution	NOUN
fsr-4057	43	42	.	.	PUNCT
fsr-4057	44	1	practical	practical	ADJ
fsr-4057	44	2	matters	matter	NOUN
fsr-4057	44	3	may	may	AUX
fsr-4057	44	4	take	take	VERB
fsr-4057	44	5	precedence	precedence	NOUN
fsr-4057	44	6	,	,	PUNCT
fsr-4057	44	7	such	such	ADJ
fsr-4057	44	8	as	as	ADP
fsr-4057	44	9	the	the	DET
fsr-4057	44	10	inability	inability	NOUN
fsr-4057	44	11	to	to	PART
fsr-4057	44	12	access	access	VERB
fsr-4057	44	13	their	their	PRON
fsr-4057	44	14	funds	fund	NOUN
fsr-4057	44	15	to	to	PART
fsr-4057	44	16	move	move	VERB
fsr-4057	44	17	them	they	PRON
fsr-4057	44	18	,	,	PUNCT
fsr-4057	44	19	the	the	DET
fsr-4057	44	20	inability	inability	NOUN
fsr-4057	44	21	to	to	PART
fsr-4057	44	22	open	open	VERB
fsr-4057	44	23	an	an	DET
fsr-4057	44	24	account	account	NOUN
fsr-4057	44	25	at	at	ADP
fsr-4057	44	26	another	another	DET
fsr-4057	44	27	financial	financial	ADJ
fsr-4057	44	28	institution	institution	NOUN
fsr-4057	44	29	,	,	PUNCT
fsr-4057	44	30	the	the	DET
fsr-4057	44	31	hope	hope	NOUN
fsr-4057	44	32	of	of	ADP
fsr-4057	44	33	financial	financial	ADJ
fsr-4057	44	34	compensation	compensation	NOUN
fsr-4057	44	35	or	or	CCONJ
fsr-4057	44	36	reimbursement	reimbursement	NOUN
fsr-4057	44	37	as	as	ADP
fsr-4057	44	38	a	a	DET
fsr-4057	44	39	result	result	NOUN
fsr-4057	44	40	of	of	ADP
fsr-4057	44	41	filing	file	VERB
fsr-4057	44	42	a	a	DET
fsr-4057	44	43	complaint	complaint	NOUN
fsr-4057	44	44	,	,	PUNCT
fsr-4057	44	45	or	or	CCONJ
fsr-4057	44	46	other	other	ADJ
fsr-4057	44	47	related	relate	VERB
fsr-4057	44	48	switching	switching	NOUN
fsr-4057	44	49	costs	cost	NOUN
fsr-4057	44	50	that	that	PRON
fsr-4057	44	51	present	present	VERB
fsr-4057	44	52	a	a	DET
fsr-4057	44	53	financial	financial	ADJ
fsr-4057	44	54	or	or	CCONJ
fsr-4057	44	55	logistical	logistical	ADJ
fsr-4057	44	56	disadvantage	disadvantage	NOUN
fsr-4057	44	57	to	to	ADP
fsr-4057	44	58	a	a	DET
fsr-4057	44	59	change	change	NOUN
fsr-4057	44	60	.	.	PUNCT
fsr-4057	45	1	beyond	beyond	ADP
fsr-4057	45	2	these	these	PRON
fsr-4057	45	3	,	,	PUNCT
fsr-4057	45	4	affect	affect	VERB
fsr-4057	45	5	control	control	NOUN
fsr-4057	45	6	theory	theory	NOUN
fsr-4057	45	7	(	(	PUNCT
fsr-4057	45	8	act	act	PROPN
fsr-4057	45	9	)	)	PUNCT
fsr-4057	45	10	suggests	suggest	VERB
fsr-4057	45	11	that	that	SCONJ
fsr-4057	45	12	emotions	emotion	NOUN
fsr-4057	45	13	,	,	PUNCT
fsr-4057	45	14	particularly	particularly	ADV
fsr-4057	45	15	anger	anger	NOUN
fsr-4057	45	16	at	at	ADP
fsr-4057	45	17	or	or	CCONJ
fsr-4057	45	18	loyalty	loyalty	NOUN
fsr-4057	45	19	to	to	ADP
fsr-4057	45	20	a	a	DET
fsr-4057	45	21	particular	particular	ADJ
fsr-4057	45	22	financial	financial	ADJ
fsr-4057	45	23	institution	institution	NOUN
fsr-4057	45	24	,	,	PUNCT
fsr-4057	45	25	play	play	VERB
fsr-4057	45	26	a	a	DET
fsr-4057	45	27	role	role	NOUN
fsr-4057	45	28	in	in	ADP
fsr-4057	45	29	consumer	consumer	NOUN
fsr-4057	45	30	decision	decision	NOUN
fsr-4057	45	31	-	-	PUNCT
fsr-4057	45	32	making	making	NOUN
fsr-4057	45	33	.	.	PUNCT
fsr-4057	46	1	while	while	SCONJ
fsr-4057	46	2	anger	anger	NOUN
fsr-4057	46	3	might	might	AUX
fsr-4057	46	4	propel	propel	VERB
fsr-4057	46	5	consumers	consumer	NOUN
fsr-4057	46	6	to	to	PART
fsr-4057	46	7	seek	seek	VERB
fsr-4057	46	8	a	a	DET
fsr-4057	46	9	change	change	NOUN
fsr-4057	46	10	,	,	PUNCT
fsr-4057	46	11	consumers	consumer	NOUN
fsr-4057	46	12	may	may	AUX
fsr-4057	46	13	feel	feel	VERB
fsr-4057	46	14	a	a	DET
fsr-4057	46	15	relational	relational	ADJ
fsr-4057	46	16	bond	bond	NOUN
fsr-4057	46	17	to	to	ADP
fsr-4057	46	18	a	a	DET
fsr-4057	46	19	specific	specific	ADJ
fsr-4057	46	20	financial	financial	ADJ
fsr-4057	46	21	institution	institution	NOUN
fsr-4057	46	22	such	such	ADJ
fsr-4057	46	23	that	that	SCONJ
fsr-4057	46	24	their	their	PRON
fsr-4057	46	25	view	view	NOUN
fsr-4057	46	26	of	of	ADP
fsr-4057	46	27	themselves	themselves	PRON
fsr-4057	46	28	would	would	AUX
fsr-4057	46	29	be	be	AUX
fsr-4057	46	30	negatively	negatively	ADV
fsr-4057	46	31	affected	affect	VERB
fsr-4057	46	32	by	by	ADP
fsr-4057	46	33	the	the	DET
fsr-4057	46	34	perceived	perceive	VERB
fsr-4057	46	35	disloyalty	disloyalty	NOUN
fsr-4057	46	36	involved	involve	VERB
fsr-4057	46	37	in	in	ADP
fsr-4057	46	38	a	a	DET
fsr-4057	46	39	change	change	NOUN
fsr-4057	46	40	(	(	PUNCT
fsr-4057	46	41	chebat	chebat	NOUN
fsr-4057	46	42	&	&	CCONJ
fsr-4057	46	43	benamor	benamor	PROPN
fsr-4057	46	44	,	,	PUNCT
fsr-4057	46	45	2010	2010	NUM
fsr-4057	46	46	;	;	PUNCT
fsr-4057	46	47	durkin	durkin	PROPN
fsr-4057	46	48	,	,	PUNCT
fsr-4057	46	49	2003	2003	NUM
fsr-4057	46	50	;	;	PUNCT
fsr-4057	46	51	kabadayi	kabadayi	ADJ
fsr-4057	46	52	,	,	PUNCT
fsr-4057	46	53	2016	2016	NUM
fsr-4057	46	54	)	)	PUNCT
fsr-4057	46	55	.	.	PUNCT
fsr-4057	47	1	in	in	ADP
fsr-4057	47	2	sum	sum	NOUN
fsr-4057	47	3	,	,	PUNCT
fsr-4057	47	4	a	a	DET
fsr-4057	47	5	combination	combination	NOUN
fsr-4057	47	6	of	of	ADP
fsr-4057	47	7	emotional	emotional	ADJ
fsr-4057	47	8	,	,	PUNCT
fsr-4057	47	9	practical	practical	ADJ
fsr-4057	47	10	,	,	PUNCT
fsr-4057	47	11	and	and	CCONJ
fsr-4057	47	12	relational	relational	ADJ
fsr-4057	47	13	factors	factor	NOUN
fsr-4057	47	14	can	can	AUX
fsr-4057	47	15	influence	influence	VERB
fsr-4057	47	16	a	a	DET
fsr-4057	47	17	consumer	consumer	NOUN
fsr-4057	47	18	’s	’s	PART
fsr-4057	47	19	decision	decision	NOUN
fsr-4057	47	20	to	to	PART
fsr-4057	47	21	complain	complain	VERB
fsr-4057	47	22	and	and	CCONJ
fsr-4057	47	23	advocate	advocate	VERB
fsr-4057	47	24	for	for	ADP
fsr-4057	47	25	a	a	DET
fsr-4057	47	26	positive	positive	ADJ
fsr-4057	47	27	resolution	resolution	NOUN
fsr-4057	47	28	to	to	ADP
fsr-4057	47	29	a	a	DET
fsr-4057	47	30	complaint	complaint	NOUN
fsr-4057	47	31	to	to	ADP
fsr-4057	47	32	a	a	DET
fsr-4057	47	33	federal	federal	ADJ
fsr-4057	47	34	agency	agency	NOUN
fsr-4057	47	35	rather	rather	ADV
fsr-4057	47	36	than	than	ADP
fsr-4057	47	37	switch	switch	VERB
fsr-4057	47	38	financial	financial	ADJ
fsr-4057	47	39	institutions	institution	NOUN
fsr-4057	47	40	.	.	PUNCT
fsr-4057	48	1	bank	bank	NOUN
fsr-4057	48	2	account	account	NOUN
fsr-4057	48	3	challenges	challenge	NOUN
fsr-4057	48	4	despite	despite	SCONJ
fsr-4057	48	5	the	the	DET
fsr-4057	48	6	fact	fact	NOUN
fsr-4057	48	7	that	that	SCONJ
fsr-4057	48	8	95.5	95.5	NUM
fsr-4057	48	9	%	%	NOUN
fsr-4057	48	10	of	of	ADP
fsr-4057	48	11	americans	americans	PROPN
fsr-4057	48	12	own	own	VERB
fsr-4057	48	13	a	a	DET
fsr-4057	48	14	savings	saving	NOUN
fsr-4057	48	15	or	or	CCONJ
fsr-4057	48	16	checking	check	VERB
fsr-4057	48	17	account	account	NOUN
fsr-4057	48	18	at	at	ADP
fsr-4057	48	19	a	a	DET
fsr-4057	48	20	bank	bank	NOUN
fsr-4057	48	21	or	or	CCONJ
fsr-4057	48	22	credit	credit	NOUN
fsr-4057	48	23	union	union	NOUN
fsr-4057	48	24	,	,	PUNCT
fsr-4057	48	25	problems	problem	NOUN
fsr-4057	48	26	persist	persist	VERB
fsr-4057	48	27	in	in	ADP
fsr-4057	48	28	access	access	NOUN
fsr-4057	48	29	to	to	ADP
fsr-4057	48	30	and	and	CCONJ
fsr-4057	48	31	longterm	longterm	VERB
fsr-4057	48	32	use	use	NOUN
fsr-4057	48	33	of	of	ADP
fsr-4057	48	34	safe	safe	ADJ
fsr-4057	48	35	,	,	PUNCT
fsr-4057	48	36	affordable	affordable	ADJ
fsr-4057	48	37	,	,	PUNCT
fsr-4057	48	38	and	and	CCONJ
fsr-4057	48	39	beneficial	beneficial	ADJ
fsr-4057	48	40	bank	bank	NOUN
fsr-4057	48	41	accounts	account	NOUN
fsr-4057	48	42	.	.	PUNCT
fsr-4057	49	1	bank	bank	NOUN
fsr-4057	49	2	accounts	account	NOUN
fsr-4057	49	3	are	be	AUX
fsr-4057	49	4	considered	consider	VERB
fsr-4057	49	5	a	a	DET
fsr-4057	49	6	“	"	PUNCT
fsr-4057	49	7	gateway	gateway	NOUN
fsr-4057	49	8	”	"	PUNCT
fsr-4057	49	9	product	product	NOUN
fsr-4057	49	10	that	that	PRON
fsr-4057	49	11	offers	offer	VERB
fsr-4057	49	12	a	a	DET
fsr-4057	49	13	pathway	pathway	NOUN
fsr-4057	49	14	to	to	ADP
fsr-4057	49	15	the	the	DET
fsr-4057	49	16	use	use	NOUN
fsr-4057	49	17	of	of	ADP
fsr-4057	49	18	other	other	ADJ
fsr-4057	49	19	financial	financial	ADJ
fsr-4057	49	20	products	product	NOUN
fsr-4057	49	21	and	and	CCONJ
fsr-4057	49	22	services	service	NOUN
fsr-4057	49	23	from	from	ADP
fsr-4057	49	24	mainstream	mainstream	ADJ
fsr-4057	49	25	financial	financial	ADJ
fsr-4057	49	26	institutions	institution	NOUN
fsr-4057	49	27	.	.	PUNCT
fsr-4057	50	1	however	however	ADV
fsr-4057	50	2	,	,	PUNCT
fsr-4057	50	3	challenges	challenge	NOUN
fsr-4057	50	4	to	to	ADP
fsr-4057	50	5	ownership	ownership	NOUN
fsr-4057	50	6	of	of	ADP
fsr-4057	50	7	an	an	DET
fsr-4057	50	8	account	account	NOUN
fsr-4057	50	9	remain	remain	VERB
fsr-4057	50	10	for	for	ADP
fsr-4057	50	11	the	the	DET
fsr-4057	50	12	5.9	5.9	NUM
fsr-4057	50	13	million	million	NUM
fsr-4057	50	14	u.s	u.s	PROPN
fsr-4057	50	15	.	.	PROPN
fsr-4057	50	16	households	household	NOUN
fsr-4057	50	17	without	without	ADP
fsr-4057	50	18	accounts	account	NOUN
fsr-4057	50	19	.	.	PUNCT
fsr-4057	51	1	the	the	DET
fsr-4057	51	2	challenge	challenge	NOUN
fsr-4057	51	3	to	to	ADP
fsr-4057	51	4	ownership	ownership	NOUN
fsr-4057	51	5	is	be	AUX
fsr-4057	51	6	especially	especially	ADV
fsr-4057	51	7	present	present	ADJ
fsr-4057	51	8	for	for	ADP
fsr-4057	51	9	those	those	DET
fsr-4057	51	10	households	household	NOUN
fsr-4057	51	11	that	that	PRON
fsr-4057	51	12	are	be	AUX
fsr-4057	51	13	over	over	ADV
fsr-4057	51	14	-	-	PUNCT
fsr-4057	51	15	represented	represent	VERB
fsr-4057	51	16	among	among	ADP
fsr-4057	51	17	those	those	PRON
fsr-4057	51	18	with	with	ADP
fsr-4057	51	19	no	no	DET
fsr-4057	51	20	account	account	NOUN
fsr-4057	51	21	(	(	PUNCT
fsr-4057	51	22	i.e.	i.e.	X
fsr-4057	51	23	,	,	PUNCT
fsr-4057	51	24	the	the	DET
fsr-4057	51	25	‘	'	PUNCT
fsr-4057	51	26	unbanked	unbanked	ADJ
fsr-4057	51	27	”	"	PUNCT
fsr-4057	51	28	)	)	PUNCT
fsr-4057	51	29	,	,	PUNCT
fsr-4057	51	30	including	include	VERB
fsr-4057	51	31	lower	low	ADJ
fsr-4057	51	32	-	-	PUNCT
fsr-4057	51	33	income	income	NOUN
fsr-4057	51	34	,	,	PUNCT
fsr-4057	51	35	less	less	ADV
fsr-4057	51	36	educated	educated	ADJ
fsr-4057	51	37	,	,	PUNCT
fsr-4057	51	38	disabled	disabled	ADJ
fsr-4057	51	39	,	,	PUNCT
fsr-4057	51	40	and	and	CCONJ
fsr-4057	51	41	black	black	ADJ
fsr-4057	51	42	and	and	CCONJ
fsr-4057	51	43	hispanic	hispanic	ADJ
fsr-4057	51	44	households	household	NOUN
fsr-4057	51	45	.	.	PUNCT
fsr-4057	52	1	these	these	DET
fsr-4057	52	2	households	household	NOUN
fsr-4057	52	3	state	state	NOUN
fsr-4057	52	4	that	that	SCONJ
fsr-4057	52	5	they	they	PRON
fsr-4057	52	6	do	do	AUX
fsr-4057	52	7	not	not	PART
fsr-4057	52	8	have	have	VERB
fsr-4057	52	9	enough	enough	ADJ
fsr-4057	52	10	money	money	NOUN
fsr-4057	52	11	,	,	PUNCT
fsr-4057	52	12	do	do	AUX
fsr-4057	52	13	not	not	PART
fsr-4057	52	14	trust	trust	VERB
fsr-4057	52	15	financial	financial	ADJ
fsr-4057	52	16	institutions	institution	NOUN
fsr-4057	52	17	,	,	PUNCT
fsr-4057	52	18	and	and	CCONJ
fsr-4057	52	19	fear	fear	VERB
fsr-4057	52	20	unpredictable	unpredictable	ADJ
fsr-4057	52	21	fees	fee	NOUN
fsr-4057	52	22	,	,	PUNCT
fsr-4057	52	23	among	among	ADP
fsr-4057	52	24	other	other	ADJ
fsr-4057	52	25	reasons	reason	NOUN
fsr-4057	52	26	for	for	ADP
fsr-4057	52	27	avoiding	avoid	VERB
fsr-4057	52	28	accounts	account	NOUN
fsr-4057	52	29	(	(	PUNCT
fsr-4057	52	30	fdic	fdic	ADJ
fsr-4057	52	31	,	,	PUNCT
fsr-4057	52	32	2022	2022	NUM
fsr-4057	52	33	)	)	PUNCT
fsr-4057	52	34	.	.	PUNCT
fsr-4057	53	1	for	for	ADP
fsr-4057	53	2	another	another	DET
fsr-4057	53	3	25.7	25.7	NUM
fsr-4057	53	4	%	%	NOUN
fsr-4057	53	5	of	of	ADP
fsr-4057	53	6	the	the	DET
fsr-4057	53	7	population	population	NOUN
fsr-4057	53	8	,	,	PUNCT
fsr-4057	53	9	account	account	NOUN
fsr-4057	53	10	ownership	ownership	NOUN
fsr-4057	53	11	has	have	AUX
fsr-4057	53	12	not	not	PART
fsr-4057	53	13	led	lead	VERB
fsr-4057	53	14	to	to	ADP
fsr-4057	53	15	safe	safe	ADJ
fsr-4057	53	16	,	,	PUNCT
fsr-4057	53	17	lower	low	ADJ
fsr-4057	53	18	cost	cost	NOUN
fsr-4057	53	19	products	product	NOUN
fsr-4057	53	20	;	;	PUNCT
fsr-4057	53	21	instead	instead	ADV
fsr-4057	53	22	,	,	PUNCT
fsr-4057	53	23	they	they	PRON
fsr-4057	53	24	persist	persist	VERB
fsr-4057	53	25	in	in	ADP
fsr-4057	53	26	using	use	VERB
fsr-4057	53	27	highercost	highercost	ADJ
fsr-4057	53	28	products	product	NOUN
fsr-4057	53	29	and	and	CCONJ
fsr-4057	53	30	services	service	NOUN
fsr-4057	53	31	from	from	ADP
fsr-4057	53	32	alternative	alternative	ADJ
fsr-4057	53	33	financial	financial	ADJ
fsr-4057	53	34	product	product	NOUN
fsr-4057	53	35	and	and	CCONJ
fsr-4057	53	36	service	service	NOUN
fsr-4057	53	37	(	(	PUNCT
fsr-4057	53	38	afps	afps	NOUN
fsr-4057	53	39	)	)	PUNCT
fsr-4057	53	40	providers	provider	NOUN
fsr-4057	53	41	(	(	PUNCT
fsr-4057	53	42	e.g.	e.g.	ADV
fsr-4057	53	43	,	,	PUNCT
fsr-4057	53	44	pawnshops	pawnshop	NOUN
fsr-4057	53	45	,	,	PUNCT
fsr-4057	53	46	rent	rent	NOUN
fsr-4057	53	47	-	-	PUNCT
fsr-4057	53	48	to	to	ADP
fsr-4057	53	49	-	-	PUNCT
fsr-4057	53	50	own	own	ADJ
fsr-4057	53	51	,	,	PUNCT
fsr-4057	53	52	payday	payday	NOUN
fsr-4057	53	53	loans	loan	NOUN
fsr-4057	53	54	)	)	PUNCT
fsr-4057	53	55	(	(	PUNCT
fsr-4057	53	56	fdic	fdic	PROPN
fsr-4057	53	57	,	,	PUNCT
fsr-4057	53	58	2019	2019	NUM
fsr-4057	53	59	)	)	PUNCT
fsr-4057	53	60	.	.	PUNCT
fsr-4057	54	1	consumer	consumer	NOUN
fsr-4057	54	2	complaints	complaint	NOUN
fsr-4057	54	3	about	about	ADP
fsr-4057	54	4	checking	check	VERB
fsr-4057	54	5	or	or	CCONJ
fsr-4057	54	6	savings	saving	NOUN
fsr-4057	54	7	accounts	account	NOUN
fsr-4057	54	8	have	have	AUX
fsr-4057	54	9	steadily	steadily	ADV
fsr-4057	54	10	risen	rise	VERB
fsr-4057	54	11	in	in	ADP
fsr-4057	54	12	recent	recent	ADJ
fsr-4057	54	13	years	year	NOUN
fsr-4057	54	14	(	(	PUNCT
fsr-4057	54	15	cfpb	cfpb	NOUN
fsr-4057	54	16	,	,	PUNCT
fsr-4057	54	17	2020	2020	NUM
fsr-4057	54	18	,	,	PUNCT
fsr-4057	54	19	2021	2021	NUM
fsr-4057	54	20	,	,	PUNCT
fsr-4057	54	21	2022a	2022a	NUM
fsr-4057	54	22	)	)	PUNCT
fsr-4057	54	23	.	.	PUNCT
fsr-4057	55	1	the	the	DET
fsr-4057	55	2	most	most	ADV
fsr-4057	55	3	common	common	ADJ
fsr-4057	55	4	complaints	complaint	NOUN
fsr-4057	55	5	in	in	ADP
fsr-4057	55	6	2023	2023	NUM
fsr-4057	55	7	related	relate	VERB
fsr-4057	55	8	to	to	ADP
fsr-4057	55	9	accounts	account	NOUN
fsr-4057	55	10	that	that	PRON
fsr-4057	55	11	were	be	AUX
fsr-4057	55	12	closed	close	VERB
fsr-4057	55	13	without	without	ADP
fsr-4057	55	14	an	an	DET
fsr-4057	55	15	explanation	explanation	NOUN
fsr-4057	55	16	,	,	PUNCT
fsr-4057	55	17	managing	manage	VERB
fsr-4057	55	18	an	an	DET
fsr-4057	55	19	account	account	NOUN
fsr-4057	55	20	,	,	PUNCT
fsr-4057	55	21	closing	close	VERB
fsr-4057	55	22	an	an	DET
fsr-4057	55	23	account	account	NOUN
fsr-4057	55	24	,	,	PUNCT
fsr-4057	55	25	opening	open	VERB
fsr-4057	55	26	an	an	DET
fsr-4057	55	27	account	account	NOUN
fsr-4057	55	28	;	;	PUNCT
fsr-4057	55	29	or	or	CCONJ
fsr-4057	55	30	to	to	ADP
fsr-4057	55	31	problems	problem	NOUN
fsr-4057	55	32	with	with	ADP
fsr-4057	55	33	a	a	DET
fsr-4057	55	34	lender	lender	NOUN
fsr-4057	55	35	or	or	CCONJ
fsr-4057	55	36	other	other	ADJ
fsr-4057	55	37	company	company	NOUN
fsr-4057	55	38	charging	charge	VERB
fsr-4057	55	39	an	an	DET
fsr-4057	55	40	account	account	NOUN
fsr-4057	55	41	(	(	PUNCT
fsr-4057	55	42	cfpb	cfpb	NOUN
fsr-4057	55	43	,	,	PUNCT
fsr-4057	55	44	2023e	2023e	NUM
fsr-4057	55	45	)	)	PUNCT
fsr-4057	55	46	.	.	PUNCT
fsr-4057	56	1	consumer	consumer	NOUN
fsr-4057	56	2	protection	protection	NOUN
fsr-4057	56	3	in	in	ADP
fsr-4057	56	4	the	the	DET
fsr-4057	56	5	financial	financial	ADJ
fsr-4057	56	6	marketplace	marketplace	NOUN
fsr-4057	56	7	both	both	CCONJ
fsr-4057	56	8	the	the	DET
fsr-4057	56	9	federal	federal	ADJ
fsr-4057	56	10	and	and	CCONJ
fsr-4057	56	11	state	state	NOUN
fsr-4057	56	12	governments	government	NOUN
fsr-4057	56	13	provide	provide	VERB
fsr-4057	56	14	regulatory	regulatory	ADJ
fsr-4057	56	15	structures	structure	NOUN
fsr-4057	56	16	and	and	CCONJ
fsr-4057	56	17	efforts	effort	NOUN
fsr-4057	56	18	to	to	PART
fsr-4057	56	19	protect	protect	VERB
fsr-4057	56	20	consumers	consumer	NOUN
fsr-4057	56	21	in	in	ADP
fsr-4057	56	22	the	the	DET
fsr-4057	56	23	financial	financial	ADJ
fsr-4057	56	24	marketplace	marketplace	NOUN
fsr-4057	56	25	.	.	PUNCT
fsr-4057	57	1	consumers	consumer	NOUN
fsr-4057	57	2	who	who	PRON
fsr-4057	57	3	experience	experience	VERB
fsr-4057	57	4	issues	issue	NOUN
fsr-4057	57	5	with	with	ADP
fsr-4057	57	6	their	their	PRON
fsr-4057	57	7	bank	bank	NOUN
fsr-4057	57	8	accounts	account	NOUN
fsr-4057	57	9	can	can	AUX
fsr-4057	57	10	complain	complain	VERB
fsr-4057	57	11	and	and	CCONJ
fsr-4057	57	12	seek	seek	VERB
fsr-4057	57	13	assistance	assistance	NOUN
fsr-4057	57	14	from	from	ADP
fsr-4057	57	15	the	the	DET
fsr-4057	57	16	better	well	ADJ
fsr-4057	57	17	business	business	NOUN
fsr-4057	57	18	bureau	bureau	PROPN
fsr-4057	57	19	(	(	PUNCT
fsr-4057	57	20	bbb	bbb	PROPN
fsr-4057	57	21	)	)	PUNCT
fsr-4057	57	22	,	,	PUNCT
fsr-4057	57	23	the	the	DET
fsr-4057	57	24	federal	federal	PROPN
fsr-4057	57	25	trade	trade	PROPN
fsr-4057	57	26	commission	commission	PROPN
fsr-4057	57	27	(	(	PUNCT
fsr-4057	57	28	ftc	ftc	PROPN
fsr-4057	57	29	)	)	PUNCT
fsr-4057	57	30	,	,	PUNCT
fsr-4057	57	31	the	the	DET
fsr-4057	57	32	federal	federal	PROPN
fsr-4057	57	33	reserve	reserve	PROPN
fsr-4057	57	34	bank	bank	PROPN
fsr-4057	57	35	,	,	PUNCT
fsr-4057	57	36	the	the	DET
fsr-4057	57	37	consumer	consumer	NOUN
fsr-4057	57	38	financial	financial	PROPN
fsr-4057	57	39	protection	protection	PROPN
fsr-4057	57	40	bureau	bureau	PROPN
fsr-4057	57	41	(	(	PUNCT
fsr-4057	57	42	cfpb	cfpb	NOUN
fsr-4057	57	43	)	)	PUNCT
fsr-4057	57	44	,	,	PUNCT
fsr-4057	57	45	and	and	CCONJ
fsr-4057	57	46	their	their	PRON
fsr-4057	57	47	local	local	ADJ
fsr-4057	57	48	police	police	NOUN
fsr-4057	57	49	.	.	PUNCT
fsr-4057	58	1	these	these	DET
fsr-4057	58	2	agencies	agency	NOUN
fsr-4057	58	3	can	can	AUX
fsr-4057	58	4	seek	seek	VERB
fsr-4057	58	5	compensatory	compensatory	ADJ
fsr-4057	58	6	actions	action	NOUN
fsr-4057	58	7	from	from	ADP
fsr-4057	58	8	the	the	DET
fsr-4057	58	9	financial	financial	ADJ
fsr-4057	58	10	institution	institution	NOUN
fsr-4057	58	11	for	for	ADP
fsr-4057	58	12	specific	specific	ADJ
fsr-4057	58	13	consumers	consumer	NOUN
fsr-4057	58	14	.	.	PUNCT
fsr-4057	59	1	more	more	ADV
fsr-4057	59	2	broadly	broadly	ADV
fsr-4057	59	3	,	,	PUNCT
fsr-4057	59	4	they	they	PRON
fsr-4057	59	5	can	can	AUX
fsr-4057	59	6	educate	educate	VERB
fsr-4057	59	7	the	the	DET
fsr-4057	59	8	public	public	NOUN
fsr-4057	59	9	about	about	ADP
fsr-4057	59	10	their	their	PRON
fsr-4057	59	11	rights	right	NOUN
fsr-4057	59	12	and	and	CCONJ
fsr-4057	59	13	responsibilities	responsibility	NOUN
fsr-4057	59	14	,	,	PUNCT
fsr-4057	59	15	collect	collect	VERB
fsr-4057	59	16	information	information	NOUN
fsr-4057	59	17	,	,	PUNCT
fsr-4057	59	18	conduct	conduct	VERB
fsr-4057	59	19	investigations	investigation	NOUN
fsr-4057	59	20	,	,	PUNCT
fsr-4057	59	21	and	and	CCONJ
fsr-4057	59	22	sue	sue	VERB
fsr-4057	59	23	companies	company	NOUN
fsr-4057	59	24	.	.	PUNCT
fsr-4057	60	1	the	the	DET
fsr-4057	60	2	regulators	regulator	NOUN
fsr-4057	60	3	can	can	AUX
fsr-4057	60	4	also	also	ADV
fsr-4057	60	5	develop	develop	VERB
fsr-4057	60	6	and	and	CCONJ
fsr-4057	60	7	enforce	enforce	VERB
fsr-4057	60	8	rules	rule	NOUN
fsr-4057	60	9	to	to	PART
fsr-4057	60	10	maintain	maintain	VERB
fsr-4057	60	11	a	a	DET
fsr-4057	60	12	fair	fair	ADJ
fsr-4057	60	13	marketplace	marketplace	NOUN
fsr-4057	60	14	(	(	PUNCT
fsr-4057	60	15	ftc	ftc	PROPN
fsr-4057	60	16	,	,	PUNCT
fsr-4057	60	17	n.d	n.d	PROPN
fsr-4057	60	18	.	.	PROPN
fsr-4057	60	19	)	)	PUNCT
fsr-4057	60	20	.	.	PUNCT
fsr-4057	61	1	the	the	DET
fsr-4057	61	2	role	role	NOUN
fsr-4057	61	3	of	of	ADP
fsr-4057	61	4	the	the	DET
fsr-4057	61	5	consumer	consumer	NOUN
fsr-4057	61	6	financial	financial	PROPN
fsr-4057	61	7	protection	protection	PROPN
fsr-4057	61	8	bureau	bureau	PROPN
fsr-4057	61	9	in	in	ADP
fsr-4057	61	10	consumer	consumer	NOUN
fsr-4057	61	11	protection	protection	NOUN
fsr-4057	61	12	the	the	DET
fsr-4057	61	13	consumer	consumer	NOUN
fsr-4057	61	14	financial	financial	PROPN
fsr-4057	61	15	protection	protection	PROPN
fsr-4057	61	16	bureau	bureau	PROPN
fsr-4057	61	17	(	(	PUNCT
fsr-4057	61	18	cfpb	cfpb	NOUN
fsr-4057	61	19	)	)	PUNCT
fsr-4057	61	20	is	be	AUX
fsr-4057	61	21	a	a	DET
fsr-4057	61	22	prominent	prominent	ADJ
fsr-4057	61	23	consumer	consumer	NOUN
fsr-4057	61	24	protection	protection	NOUN
fsr-4057	61	25	agency	agency	NOUN
fsr-4057	61	26	.	.	PUNCT
fsr-4057	62	1	it	it	PRON
fsr-4057	62	2	was	be	AUX
fsr-4057	62	3	established	establish	VERB
fsr-4057	62	4	in	in	ADP
fsr-4057	62	5	2010	2010	NUM
fsr-4057	62	6	as	as	ADP
fsr-4057	62	7	a	a	DET
fsr-4057	62	8	division	division	NOUN
fsr-4057	62	9	of	of	ADP
fsr-4057	62	10	the	the	DET
fsr-4057	62	11	federal	federal	PROPN
fsr-4057	62	12	reserve	reserve	PROPN
fsr-4057	62	13	system	system	NOUN
fsr-4057	62	14	to	to	PART
fsr-4057	62	15	advocate	advocate	VERB
fsr-4057	62	16	for	for	ADP
fsr-4057	62	17	the	the	DET
fsr-4057	62	18	rights	right	NOUN
fsr-4057	62	19	and	and	CCONJ
fsr-4057	62	20	wellbeing	wellbeing	NOUN
fsr-4057	62	21	of	of	ADP
fsr-4057	62	22	consumers	consumer	NOUN
fsr-4057	62	23	in	in	ADP
fsr-4057	62	24	the	the	DET
fsr-4057	62	25	u.s	u.s	PROPN
fsr-4057	62	26	.	.	PROPN
fsr-4057	62	27	financial	financial	ADJ
fsr-4057	62	28	sphere	sphere	NOUN
fsr-4057	62	29	(	(	PUNCT
fsr-4057	62	30	cfpb	cfpb	NOUN
fsr-4057	62	31	,	,	PUNCT
fsr-4057	62	32	n.d.-a	n.d.-a	NOUN
fsr-4057	62	33	)	)	PUNCT
fsr-4057	62	34	.	.	PUNCT
fsr-4057	63	1	as	as	ADP
fsr-4057	63	2	one	one	NUM
fsr-4057	63	3	of	of	ADP
fsr-4057	63	4	its	its	PRON
fsr-4057	63	5	many	many	ADJ
fsr-4057	63	6	functions	function	NOUN
fsr-4057	63	7	,	,	PUNCT
fsr-4057	63	8	the	the	DET
fsr-4057	63	9	cfpb	cfpb	NOUN
fsr-4057	63	10	monitors	monitor	VERB
fsr-4057	63	11	consumer	consumer	NOUN
fsr-4057	63	12	protections	protection	NOUN
fsr-4057	63	13	by	by	ADP
fsr-4057	63	14	maintaining	maintain	VERB
fsr-4057	63	15	a	a	DET
fsr-4057	63	16	publicly	publicly	ADV
fsr-4057	63	17	available	available	ADJ
fsr-4057	63	18	database	database	NOUN
fsr-4057	63	19	of	of	ADP
fsr-4057	63	20	consumer	consumer	NOUN
fsr-4057	63	21	complaints	complaint	NOUN
fsr-4057	63	22	,	,	PUNCT
fsr-4057	63	23	which	which	PRON
fsr-4057	63	24	it	it	PRON
fsr-4057	63	25	uses	use	VERB
fsr-4057	63	26	financial	financial	ADJ
fsr-4057	63	27	services	service	NOUN
fsr-4057	63	28	review	review	NOUN
fsr-4057	63	29	,	,	PUNCT
fsr-4057	63	30	33(2	33(2	NUM
fsr-4057	63	31	)	)	PUNCT
fsr-4057	63	32	18	18	NUM
fsr-4057	63	33	to	to	PART
fsr-4057	63	34	follow	follow	VERB
fsr-4057	63	35	up	up	ADP
fsr-4057	63	36	with	with	ADP
fsr-4057	63	37	large	large	ADJ
fsr-4057	63	38	financial	financial	ADJ
fsr-4057	63	39	services	service	NOUN
fsr-4057	63	40	institutions	institution	NOUN
fsr-4057	63	41	and	and	CCONJ
fsr-4057	63	42	ensure	ensure	VERB
fsr-4057	63	43	resolution	resolution	NOUN
fsr-4057	63	44	of	of	ADP
fsr-4057	63	45	such	such	ADJ
fsr-4057	63	46	complaints	complaint	NOUN
fsr-4057	63	47	(	(	PUNCT
fsr-4057	63	48	cfpb	cfpb	NOUN
fsr-4057	63	49	,	,	PUNCT
fsr-4057	63	50	n.d.-b	n.d.-b	NOUN
fsr-4057	63	51	)	)	PUNCT
fsr-4057	63	52	.	.	PUNCT
fsr-4057	64	1	using	use	VERB
fsr-4057	64	2	the	the	DET
fsr-4057	64	3	complaint	complaint	NOUN
fsr-4057	64	4	process	process	NOUN
fsr-4057	64	5	,	,	PUNCT
fsr-4057	64	6	the	the	DET
fsr-4057	64	7	cfpb	cfpb	NOUN
fsr-4057	64	8	has	have	AUX
fsr-4057	64	9	facilitated	facilitate	VERB
fsr-4057	64	10	timely	timely	ADJ
fsr-4057	64	11	responses	response	NOUN
fsr-4057	64	12	to	to	ADP
fsr-4057	64	13	consumer	consumer	NOUN
fsr-4057	64	14	complaints	complaint	NOUN
fsr-4057	64	15	from	from	ADP
fsr-4057	64	16	more	more	ADJ
fsr-4057	64	17	than	than	ADP
fsr-4057	64	18	6,100	6,100	NUM
fsr-4057	64	19	financial	financial	ADJ
fsr-4057	64	20	companies	company	NOUN
fsr-4057	64	21	(	(	PUNCT
fsr-4057	64	22	cfpb	cfpb	NOUN
fsr-4057	64	23	,	,	PUNCT
fsr-4057	64	24	n.d.-d	n.d.-d	NOUN
fsr-4057	64	25	)	)	PUNCT
fsr-4057	64	26	.	.	PUNCT
fsr-4057	65	1	in	in	ADP
fsr-4057	65	2	2022	2022	NUM
fsr-4057	65	3	-	-	SYM
fsr-4057	65	4	2023	2023	NUM
fsr-4057	65	5	,	,	PUNCT
fsr-4057	65	6	the	the	DET
fsr-4057	65	7	cfpb	cfpb	NOUN
fsr-4057	65	8	facilitated	facilitate	VERB
fsr-4057	65	9	an	an	DET
fsr-4057	65	10	explanatory	explanatory	ADJ
fsr-4057	65	11	response	response	NOUN
fsr-4057	65	12	to	to	ADP
fsr-4057	65	13	over	over	ADP
fsr-4057	65	14	half	half	NOUN
fsr-4057	65	15	of	of	ADP
fsr-4057	65	16	all	all	DET
fsr-4057	65	17	complaints	complaint	NOUN
fsr-4057	65	18	filed	file	VERB
fsr-4057	65	19	(	(	PUNCT
fsr-4057	65	20	61	61	NUM
fsr-4057	65	21	%	%	NOUN
fsr-4057	65	22	2022	2022	NUM
fsr-4057	65	23	;	;	PUNCT
fsr-4057	65	24	53	53	NUM
fsr-4057	65	25	%	%	NOUN
fsr-4057	65	26	in	in	ADP
fsr-4057	65	27	2023	2023	NUM
fsr-4057	65	28	)	)	PUNCT
fsr-4057	65	29	,	,	PUNCT
fsr-4057	65	30	and	and	CCONJ
fsr-4057	65	31	approximately	approximately	ADV
fsr-4057	65	32	one	one	NUM
fsr-4057	65	33	-	-	PUNCT
fsr-4057	65	34	third	third	NOUN
fsr-4057	65	35	of	of	ADP
fsr-4057	65	36	the	the	DET
fsr-4057	65	37	complaints	complaint	NOUN
fsr-4057	65	38	were	be	AUX
fsr-4057	65	39	closed	close	VERB
fsr-4057	65	40	with	with	ADP
fsr-4057	65	41	non	non	ADJ
fsr-4057	65	42	-	-	ADJ
fsr-4057	65	43	monetary	monetary	ADJ
fsr-4057	65	44	relief	relief	NOUN
fsr-4057	65	45	(	(	PUNCT
fsr-4057	65	46	31	31	NUM
fsr-4057	65	47	%	%	NOUN
fsr-4057	65	48	in	in	ADP
fsr-4057	65	49	2022	2022	NUM
fsr-4057	65	50	;	;	PUNCT
fsr-4057	65	51	40	40	NUM
fsr-4057	65	52	%	%	NOUN
fsr-4057	65	53	in	in	ADP
fsr-4057	65	54	2023	2023	NUM
fsr-4057	65	55	)	)	PUNCT
fsr-4057	65	56	(	(	PUNCT
fsr-4057	65	57	cfpb	cfpb	NOUN
fsr-4057	65	58	,	,	PUNCT
fsr-4057	65	59	2022a	2022a	NUM
fsr-4057	65	60	,	,	PUNCT
fsr-4057	65	61	2023a	2023a	NUM
fsr-4057	65	62	)	)	PUNCT
fsr-4057	65	63	.	.	PUNCT
fsr-4057	66	1	even	even	ADV
fsr-4057	66	2	without	without	ADP
fsr-4057	66	3	a	a	DET
fsr-4057	66	4	specific	specific	ADJ
fsr-4057	66	5	response	response	NOUN
fsr-4057	66	6	,	,	PUNCT
fsr-4057	66	7	complaints	complaint	NOUN
fsr-4057	66	8	to	to	ADP
fsr-4057	66	9	government	government	NOUN
fsr-4057	66	10	entities	entity	NOUN
fsr-4057	66	11	positively	positively	ADV
fsr-4057	66	12	affect	affect	VERB
fsr-4057	66	13	bankcustomer	bankcustomer	NOUN
fsr-4057	66	14	relations	relation	NOUN
fsr-4057	66	15	.	.	PUNCT
fsr-4057	67	1	hayes	hayes	PROPN
fsr-4057	67	2	et	et	PROPN
fsr-4057	67	3	al	al	PROPN
fsr-4057	67	4	.	.	PROPN
fsr-4057	68	1	(	(	PUNCT
fsr-4057	68	2	2021	2021	NUM
fsr-4057	68	3	)	)	PUNCT
fsr-4057	68	4	found	find	VERB
fsr-4057	68	5	that	that	SCONJ
fsr-4057	68	6	the	the	DET
fsr-4057	68	7	threat	threat	NOUN
fsr-4057	68	8	of	of	ADP
fsr-4057	68	9	consumer	consumer	NOUN
fsr-4057	68	10	complaints	complaint	NOUN
fsr-4057	68	11	affects	affect	VERB
fsr-4057	68	12	how	how	SCONJ
fsr-4057	68	13	banks	bank	NOUN
fsr-4057	68	14	treat	treat	VERB
fsr-4057	68	15	their	their	PRON
fsr-4057	68	16	customers	customer	NOUN
fsr-4057	68	17	in	in	ADP
fsr-4057	68	18	communities	community	NOUN
fsr-4057	68	19	with	with	ADP
fsr-4057	68	20	low	low	ADJ
fsr-4057	68	21	trust	trust	NOUN
fsr-4057	68	22	of	of	ADP
fsr-4057	68	23	financial	financial	ADJ
fsr-4057	68	24	institutions	institution	NOUN
fsr-4057	68	25	.	.	PUNCT
fsr-4057	69	1	research	research	NOUN
fsr-4057	69	2	on	on	ADP
fsr-4057	69	3	bank	bank	NOUN
fsr-4057	69	4	account	account	NOUN
fsr-4057	69	5	challenges	challenge	NOUN
fsr-4057	69	6	previous	previous	ADJ
fsr-4057	69	7	studies	study	NOUN
fsr-4057	69	8	about	about	ADP
fsr-4057	69	9	bank	bank	NOUN
fsr-4057	69	10	account	account	NOUN
fsr-4057	69	11	challenges	challenge	NOUN
fsr-4057	69	12	have	have	AUX
fsr-4057	69	13	reported	report	VERB
fsr-4057	69	14	a	a	DET
fsr-4057	69	15	wide	wide	ADJ
fsr-4057	69	16	variety	variety	NOUN
fsr-4057	69	17	of	of	ADP
fsr-4057	69	18	issues	issue	NOUN
fsr-4057	69	19	with	with	ADP
fsr-4057	69	20	consumer	consumer	NOUN
fsr-4057	69	21	accounts	account	NOUN
fsr-4057	69	22	and	and	CCONJ
fsr-4057	69	23	with	with	ADP
fsr-4057	69	24	the	the	DET
fsr-4057	69	25	mechanisms	mechanism	NOUN
fsr-4057	69	26	and	and	CCONJ
fsr-4057	69	27	processes	process	NOUN
fsr-4057	69	28	designed	design	VERB
fsr-4057	69	29	to	to	PART
fsr-4057	69	30	assist	assist	VERB
fsr-4057	69	31	consumers	consumer	NOUN
fsr-4057	69	32	when	when	SCONJ
fsr-4057	69	33	they	they	PRON
fsr-4057	69	34	have	have	VERB
fsr-4057	69	35	issues	issue	NOUN
fsr-4057	69	36	.	.	PUNCT
fsr-4057	70	1	complaints	complaint	NOUN
fsr-4057	70	2	about	about	ADP
fsr-4057	70	3	unauthorized	unauthorized	ADJ
fsr-4057	70	4	transactions	transaction	NOUN
fsr-4057	70	5	from	from	ADP
fsr-4057	70	6	accounts	account	NOUN
fsr-4057	70	7	,	,	PUNCT
fsr-4057	70	8	including	include	VERB
fsr-4057	70	9	fraud	fraud	NOUN
fsr-4057	70	10	,	,	PUNCT
fsr-4057	70	11	are	be	AUX
fsr-4057	70	12	prevalent	prevalent	ADJ
fsr-4057	70	13	(	(	PUNCT
fsr-4057	70	14	morgan	morgan	PROPN
fsr-4057	70	15	,	,	PUNCT
fsr-4057	70	16	2021	2021	NUM
fsr-4057	70	17	)	)	PUNCT
fsr-4057	70	18	.	.	PUNCT
fsr-4057	71	1	customers	customer	NOUN
fsr-4057	71	2	also	also	ADV
fsr-4057	71	3	report	report	VERB
fsr-4057	71	4	concerns	concern	NOUN
fsr-4057	71	5	and	and	CCONJ
fsr-4057	71	6	issues	issue	NOUN
fsr-4057	71	7	related	relate	VERB
fsr-4057	71	8	to	to	ADP
fsr-4057	71	9	their	their	PRON
fsr-4057	71	10	use	use	NOUN
fsr-4057	71	11	of	of	ADP
fsr-4057	71	12	online	online	ADJ
fsr-4057	71	13	and	and	CCONJ
fsr-4057	71	14	mobile	mobile	ADJ
fsr-4057	71	15	banking	banking	NOUN
fsr-4057	71	16	(	(	PUNCT
fsr-4057	71	17	park	park	NOUN
fsr-4057	71	18	,	,	PUNCT
fsr-4057	71	19	2016	2016	NUM
fsr-4057	71	20	)	)	PUNCT
fsr-4057	71	21	and	and	CCONJ
fsr-4057	71	22	of	of	ADP
fsr-4057	71	23	automatic	automatic	ADJ
fsr-4057	71	24	teller	teller	NOUN
fsr-4057	71	25	machines	machine	NOUN
fsr-4057	71	26	(	(	PUNCT
fsr-4057	71	27	atms	atms	PROPN
fsr-4057	71	28	)	)	PUNCT
fsr-4057	71	29	(	(	PUNCT
fsr-4057	71	30	gyamfi	gyamfi	NOUN
fsr-4057	71	31	et	et	PROPN
fsr-4057	71	32	al	al	PROPN
fsr-4057	71	33	.	.	PROPN
fsr-4057	71	34	,	,	PUNCT
fsr-4057	71	35	2016	2016	NUM
fsr-4057	71	36	;	;	PUNCT
fsr-4057	71	37	nndwamato	nndwamato	NOUN
fsr-4057	71	38	,	,	PUNCT
fsr-4057	71	39	2018	2018	NUM
fsr-4057	71	40	)	)	PUNCT
fsr-4057	71	41	.	.	PUNCT
fsr-4057	72	1	regarding	regard	VERB
fsr-4057	72	2	both	both	PRON
fsr-4057	72	3	,	,	PUNCT
fsr-4057	72	4	customers	customer	NOUN
fsr-4057	72	5	complain	complain	VERB
fsr-4057	72	6	about	about	ADP
fsr-4057	72	7	lack	lack	NOUN
fsr-4057	72	8	of	of	ADP
fsr-4057	72	9	security	security	NOUN
fsr-4057	72	10	,	,	PUNCT
fsr-4057	72	11	lack	lack	NOUN
fsr-4057	72	12	of	of	ADP
fsr-4057	72	13	legal	legal	ADJ
fsr-4057	72	14	support	support	NOUN
fsr-4057	72	15	,	,	PUNCT
fsr-4057	72	16	technical	technical	ADJ
fsr-4057	72	17	illiteracy	illiteracy	NOUN
fsr-4057	72	18	,	,	PUNCT
fsr-4057	72	19	among	among	ADP
fsr-4057	72	20	others	other	NOUN
fsr-4057	72	21	(	(	PUNCT
fsr-4057	72	22	nndwamato	nndwamato	NOUN
fsr-4057	72	23	,	,	PUNCT
fsr-4057	72	24	2018	2018	NUM
fsr-4057	72	25	;	;	PUNCT
fsr-4057	72	26	park	park	NOUN
fsr-4057	72	27	,	,	PUNCT
fsr-4057	72	28	2016	2016	NUM
fsr-4057	72	29	)	)	PUNCT
fsr-4057	72	30	.	.	PUNCT
fsr-4057	73	1	consumers	consumer	NOUN
fsr-4057	73	2	also	also	ADV
fsr-4057	73	3	report	report	VERB
fsr-4057	73	4	issues	issue	NOUN
fsr-4057	73	5	related	relate	VERB
fsr-4057	73	6	to	to	ADP
fsr-4057	73	7	financial	financial	ADJ
fsr-4057	73	8	institutions	institution	NOUN
fsr-4057	73	9	unilaterally	unilaterally	ADV
fsr-4057	73	10	closing	close	VERB
fsr-4057	73	11	consumer	consumer	NOUN
fsr-4057	73	12	bank	bank	NOUN
fsr-4057	73	13	accounts	account	VERB
fsr-4057	73	14	without	without	ADP
fsr-4057	73	15	revealing	reveal	VERB
fsr-4057	73	16	a	a	DET
fsr-4057	73	17	reason	reason	NOUN
fsr-4057	73	18	and	and	CCONJ
fsr-4057	73	19	without	without	ADP
fsr-4057	73	20	notice	notice	NOUN
fsr-4057	73	21	(	(	PUNCT
fsr-4057	73	22	bank	bank	NOUN
fsr-4057	73	23	policy	policy	NOUN
fsr-4057	73	24	institute	institute	NOUN
fsr-4057	73	25	,	,	PUNCT
fsr-4057	73	26	2020	2020	NUM
fsr-4057	73	27	;	;	PUNCT
fsr-4057	73	28	jelisejevs	jelisejevs	ADJ
fsr-4057	73	29	,	,	PUNCT
fsr-4057	73	30	2021	2021	NUM
fsr-4057	73	31	)	)	PUNCT
fsr-4057	73	32	,	,	PUNCT
fsr-4057	73	33	then	then	ADV
fsr-4057	73	34	reopening	reopen	VERB
fsr-4057	73	35	them	they	PRON
fsr-4057	73	36	without	without	ADP
fsr-4057	73	37	a	a	DET
fsr-4057	73	38	consumer	consumer	NOUN
fsr-4057	73	39	’s	’s	PART
fsr-4057	73	40	consent	consent	NOUN
fsr-4057	73	41	or	or	CCONJ
fsr-4057	73	42	knowledge	knowledge	NOUN
fsr-4057	73	43	(	(	PUNCT
fsr-4057	73	44	cfpb	cfpb	NOUN
fsr-4057	73	45	,	,	PUNCT
fsr-4057	73	46	2023c	2023c	NUM
fsr-4057	73	47	)	)	PUNCT
fsr-4057	73	48	.	.	PUNCT
fsr-4057	74	1	through	through	ADP
fsr-4057	74	2	the	the	DET
fsr-4057	74	3	bank	bank	PROPN
fsr-4057	74	4	secrecy	secrecy	NOUN
fsr-4057	74	5	act	act	NOUN
fsr-4057	74	6	and	and	CCONJ
fsr-4057	74	7	anti	anti	ADJ
fsr-4057	74	8	-	-	ADJ
fsr-4057	74	9	money	money	ADJ
fsr-4057	74	10	laundering	laundering	NOUN
fsr-4057	74	11	act	act	NOUN
fsr-4057	74	12	of	of	ADP
fsr-4057	74	13	2020	2020	NUM
fsr-4057	74	14	,	,	PUNCT
fsr-4057	74	15	financial	financial	ADJ
fsr-4057	74	16	institutions	institution	NOUN
fsr-4057	74	17	can	can	AUX
fsr-4057	74	18	close	close	VERB
fsr-4057	74	19	accounts	account	NOUN
fsr-4057	74	20	to	to	PART
fsr-4057	74	21	combat	combat	VERB
fsr-4057	74	22	money	money	NOUN
fsr-4057	74	23	laundering	laundering	NOUN
fsr-4057	74	24	and	and	CCONJ
fsr-4057	74	25	terrorism	terrorism	NOUN
fsr-4057	74	26	.	.	PUNCT
fsr-4057	75	1	in	in	ADP
fsr-4057	75	2	the	the	DET
fsr-4057	75	3	process	process	NOUN
fsr-4057	75	4	,	,	PUNCT
fsr-4057	75	5	financial	financial	ADJ
fsr-4057	75	6	institutions	institution	NOUN
fsr-4057	75	7	determine	determine	VERB
fsr-4057	75	8	“	"	PUNCT
fsr-4057	75	9	suspicious	suspicious	ADJ
fsr-4057	75	10	”	"	PUNCT
fsr-4057	75	11	activity	activity	NOUN
fsr-4057	75	12	through	through	ADP
fsr-4057	75	13	a	a	DET
fsr-4057	75	14	rulesbased	rulesbase	VERB
fsr-4057	75	15	algorithm	algorithm	NOUN
fsr-4057	75	16	's	's	PART
fsr-4057	75	17	examination	examination	NOUN
fsr-4057	75	18	of	of	ADP
fsr-4057	75	19	transactions	transaction	NOUN
fsr-4057	75	20	and	and	CCONJ
fsr-4057	75	21	,	,	PUNCT
fsr-4057	75	22	without	without	ADP
fsr-4057	75	23	any	any	DET
fsr-4057	75	24	specific	specific	ADJ
fsr-4057	75	25	finding	finding	NOUN
fsr-4057	75	26	that	that	SCONJ
fsr-4057	75	27	a	a	DET
fsr-4057	75	28	crime	crime	NOUN
fsr-4057	75	29	has	have	AUX
fsr-4057	75	30	been	be	AUX
fsr-4057	75	31	committed	commit	VERB
fsr-4057	75	32	,	,	PUNCT
fsr-4057	75	33	close	close	VERB
fsr-4057	75	34	the	the	DET
fsr-4057	75	35	account	account	NOUN
fsr-4057	75	36	without	without	ADP
fsr-4057	75	37	explanation	explanation	NOUN
fsr-4057	75	38	to	to	ADP
fsr-4057	75	39	the	the	DET
fsr-4057	75	40	consumer	consumer	NOUN
fsr-4057	75	41	.	.	PUNCT
fsr-4057	76	1	because	because	SCONJ
fsr-4057	76	2	financial	financial	ADJ
fsr-4057	76	3	institutions	institution	NOUN
fsr-4057	76	4	are	be	AUX
fsr-4057	76	5	at	at	ADP
fsr-4057	76	6	legal	legal	ADJ
fsr-4057	76	7	risk	risk	NOUN
fsr-4057	76	8	by	by	ADP
fsr-4057	76	9	mistakenly	mistakenly	ADV
fsr-4057	76	10	keeping	keep	VERB
fsr-4057	76	11	accounts	account	NOUN
fsr-4057	76	12	with	with	ADP
fsr-4057	76	13	suspicious	suspicious	ADJ
fsr-4057	76	14	activity	activity	NOUN
fsr-4057	76	15	open	open	ADJ
fsr-4057	76	16	,	,	PUNCT
fsr-4057	76	17	there	there	PRON
fsr-4057	76	18	is	be	VERB
fsr-4057	76	19	a	a	DET
fsr-4057	76	20	strong	strong	ADJ
fsr-4057	76	21	incentive	incentive	NOUN
fsr-4057	76	22	to	to	PART
fsr-4057	76	23	close	close	VERB
fsr-4057	76	24	accounts	account	NOUN
fsr-4057	76	25	.	.	PUNCT
fsr-4057	77	1	the	the	DET
fsr-4057	77	2	vast	vast	ADJ
fsr-4057	77	3	majority	majority	NOUN
fsr-4057	77	4	of	of	ADP
fsr-4057	77	5	the	the	DET
fsr-4057	77	6	individuals	individual	NOUN
fsr-4057	77	7	whose	whose	DET
fsr-4057	77	8	accounts	account	NOUN
fsr-4057	77	9	have	have	AUX
fsr-4057	77	10	been	be	AUX
fsr-4057	77	11	closed	close	VERB
fsr-4057	77	12	in	in	ADP
fsr-4057	77	13	this	this	DET
fsr-4057	77	14	manner	manner	NOUN
fsr-4057	77	15	are	be	AUX
fsr-4057	77	16	likely	likely	ADV
fsr-4057	77	17	innocent	innocent	ADJ
fsr-4057	77	18	of	of	ADP
fsr-4057	77	19	any	any	DET
fsr-4057	77	20	wrongdoing	wrongdoing	NOUN
fsr-4057	77	21	(	(	PUNCT
fsr-4057	77	22	bank	bank	NOUN
fsr-4057	77	23	policy	policy	NOUN
fsr-4057	77	24	institute	institute	NOUN
fsr-4057	77	25	,	,	PUNCT
fsr-4057	77	26	2018	2018	NUM
fsr-4057	77	27	,	,	PUNCT
fsr-4057	77	28	2024	2024	NUM
fsr-4057	77	29	)	)	PUNCT
fsr-4057	77	30	.	.	PUNCT
fsr-4057	78	1	financial	financial	ADJ
fsr-4057	78	2	hardship	hardship	NOUN
fsr-4057	78	3	and	and	CCONJ
fsr-4057	78	4	bank	bank	NOUN
fsr-4057	78	5	accounts	account	VERB
fsr-4057	78	6	financial	financial	ADJ
fsr-4057	78	7	hardship	hardship	NOUN
fsr-4057	78	8	is	be	AUX
fsr-4057	78	9	defined	define	VERB
fsr-4057	78	10	as	as	ADP
fsr-4057	78	11	“	"	PUNCT
fsr-4057	78	12	a	a	DET
fsr-4057	78	13	state	state	NOUN
fsr-4057	78	14	of	of	ADP
fsr-4057	78	15	distress	distress	NOUN
fsr-4057	78	16	in	in	ADP
fsr-4057	78	17	which	which	PRON
fsr-4057	78	18	an	an	DET
fsr-4057	78	19	individual	individual	NOUN
fsr-4057	78	20	is	be	AUX
fsr-4057	78	21	unable	unable	ADJ
fsr-4057	78	22	to	to	PART
fsr-4057	78	23	maintain	maintain	VERB
fsr-4057	78	24	a	a	DET
fsr-4057	78	25	standard	standard	NOUN
fsr-4057	78	26	of	of	ADP
fsr-4057	78	27	living	living	NOUN
fsr-4057	78	28	”	"	PUNCT
fsr-4057	78	29	(	(	PUNCT
fsr-4057	78	30	o’conner	o’conner	X
fsr-4057	78	31	et	et	PROPN
fsr-4057	78	32	al	al	PROPN
fsr-4057	78	33	.	.	PROPN
fsr-4057	78	34	,	,	PUNCT
fsr-4057	78	35	2019	2019	NUM
fsr-4057	78	36	,	,	PUNCT
fsr-4057	78	37	p.	p.	NOUN
fsr-4057	78	38	422	422	NUM
fsr-4057	78	39	)	)	PUNCT
fsr-4057	78	40	.	.	PUNCT
fsr-4057	79	1	consumers	consumer	NOUN
fsr-4057	79	2	are	be	AUX
fsr-4057	79	3	vulnerable	vulnerable	ADJ
fsr-4057	79	4	to	to	ADP
fsr-4057	79	5	financial	financial	ADJ
fsr-4057	79	6	hardships	hardship	NOUN
fsr-4057	79	7	when	when	SCONJ
fsr-4057	79	8	unable	unable	ADJ
fsr-4057	79	9	to	to	PART
fsr-4057	79	10	access	access	VERB
fsr-4057	79	11	their	their	PRON
fsr-4057	79	12	funds	fund	NOUN
fsr-4057	79	13	in	in	ADP
fsr-4057	79	14	accounts	account	NOUN
fsr-4057	79	15	due	due	ADP
fsr-4057	79	16	to	to	ADP
fsr-4057	79	17	consumer	consumer	NOUN
fsr-4057	79	18	protection	protection	NOUN
fsr-4057	79	19	gaps	gap	NOUN
fsr-4057	79	20	,	,	PUNCT
fsr-4057	79	21	fraud	fraud	NOUN
fsr-4057	79	22	procedures	procedure	NOUN
fsr-4057	79	23	,	,	PUNCT
fsr-4057	79	24	and	and	CCONJ
fsr-4057	79	25	system	system	NOUN
fsr-4057	79	26	failures	failure	NOUN
fsr-4057	79	27	.	.	PUNCT
fsr-4057	80	1	this	this	DET
fsr-4057	80	2	inability	inability	NOUN
fsr-4057	80	3	can	can	AUX
fsr-4057	80	4	lead	lead	VERB
fsr-4057	80	5	to	to	ADP
fsr-4057	80	6	material	material	NOUN
fsr-4057	80	7	hardship	hardship	NOUN
fsr-4057	80	8	(	(	PUNCT
fsr-4057	80	9	i.e.	i.e.	X
fsr-4057	80	10	,	,	PUNCT
fsr-4057	80	11	hardship	hardship	NOUN
fsr-4057	80	12	related	relate	VERB
fsr-4057	80	13	to	to	ADP
fsr-4057	80	14	food	food	NOUN
fsr-4057	80	15	,	,	PUNCT
fsr-4057	80	16	housing	housing	NOUN
fsr-4057	80	17	,	,	PUNCT
fsr-4057	80	18	medical	medical	ADJ
fsr-4057	80	19	services	service	NOUN
fsr-4057	80	20	,	,	PUNCT
fsr-4057	80	21	and	and	CCONJ
fsr-4057	80	22	other	other	ADJ
fsr-4057	80	23	basic	basic	ADJ
fsr-4057	80	24	needs	need	NOUN
fsr-4057	80	25	)	)	PUNCT
fsr-4057	80	26	,	,	PUNCT
fsr-4057	80	27	difficulty	difficulty	NOUN
fsr-4057	80	28	in	in	ADP
fsr-4057	80	29	making	make	VERB
fsr-4057	80	30	ends	end	NOUN
fsr-4057	80	31	meet	meet	VERB
fsr-4057	80	32	(	(	PUNCT
fsr-4057	80	33	i.e.	i.e.	X
fsr-4057	80	34	,	,	PUNCT
fsr-4057	80	35	paying	pay	VERB
fsr-4057	80	36	bills	bill	NOUN
fsr-4057	80	37	)	)	PUNCT
fsr-4057	80	38	,	,	PUNCT
fsr-4057	80	39	having	have	VERB
fsr-4057	80	40	debt	debt	NOUN
fsr-4057	80	41	in	in	ADP
fsr-4057	80	42	collections	collection	NOUN
fsr-4057	80	43	(	(	PUNCT
fsr-4057	80	44	i.e.	i.e.	X
fsr-4057	80	45	,	,	PUNCT
fsr-4057	80	46	being	be	AUX
fsr-4057	80	47	contacted	contact	VERB
fsr-4057	80	48	by	by	ADP
fsr-4057	80	49	a	a	DET
fsr-4057	80	50	debt	debt	NOUN
fsr-4057	80	51	collector	collector	NOUN
fsr-4057	80	52	)	)	PUNCT
fsr-4057	80	53	,	,	PUNCT
fsr-4057	80	54	or	or	CCONJ
fsr-4057	80	55	being	be	AUX
fsr-4057	80	56	unable	unable	ADJ
fsr-4057	80	57	to	to	PART
fsr-4057	80	58	absorb	absorb	VERB
fsr-4057	80	59	a	a	DET
fsr-4057	80	60	financial	financial	ADJ
fsr-4057	80	61	shock	shock	NOUN
fsr-4057	80	62	by	by	ADP
fsr-4057	80	63	accessing	access	VERB
fsr-4057	80	64	cash	cash	NOUN
fsr-4057	80	65	in	in	ADP
fsr-4057	80	66	a	a	DET
fsr-4057	80	67	short	short	ADJ
fsr-4057	80	68	period	period	NOUN
fsr-4057	80	69	of	of	ADP
fsr-4057	80	70	time	time	NOUN
fsr-4057	80	71	(	(	PUNCT
fsr-4057	80	72	warmath	warmath	NOUN
fsr-4057	80	73	et	et	PROPN
fsr-4057	80	74	al	al	PROPN
fsr-4057	80	75	.	.	PROPN
fsr-4057	80	76	,	,	PUNCT
fsr-4057	80	77	2022	2022	NUM
fsr-4057	80	78	)	)	PUNCT
fsr-4057	80	79	.	.	PUNCT
fsr-4057	81	1	little	little	ADJ
fsr-4057	81	2	literature	literature	NOUN
fsr-4057	81	3	has	have	AUX
fsr-4057	81	4	examined	examine	VERB
fsr-4057	81	5	the	the	DET
fsr-4057	81	6	direct	direct	ADJ
fsr-4057	81	7	relationship	relationship	NOUN
fsr-4057	81	8	of	of	ADP
fsr-4057	81	9	bank	bank	NOUN
fsr-4057	81	10	account	account	NOUN
fsr-4057	81	11	challenges	challenge	NOUN
fsr-4057	81	12	and	and	CCONJ
fsr-4057	81	13	financial	financial	ADJ
fsr-4057	81	14	hardship	hardship	NOUN
fsr-4057	81	15	,	,	PUNCT
fsr-4057	81	16	but	but	CCONJ
fsr-4057	81	17	related	related	ADJ
fsr-4057	81	18	research	research	NOUN
fsr-4057	81	19	informs	inform	VERB
fsr-4057	81	20	this	this	DET
fsr-4057	81	21	study	study	NOUN
fsr-4057	81	22	.	.	PUNCT
fsr-4057	82	1	brenner	brenner	PROPN
fsr-4057	82	2	et	et	PROPN
fsr-4057	82	3	al	al	PROPN
fsr-4057	82	4	.	.	PROPN
fsr-4057	82	5	(	(	PUNCT
fsr-4057	82	6	2020	2020	NUM
fsr-4057	82	7	)	)	PUNCT
fsr-4057	82	8	found	find	VERB
fsr-4057	82	9	that	that	SCONJ
fsr-4057	82	10	consumer	consumer	NOUN
fsr-4057	82	11	fraud	fraud	NOUN
fsr-4057	82	12	victimization	victimization	NOUN
fsr-4057	82	13	adversely	adversely	ADV
fsr-4057	82	14	affects	affect	VERB
fsr-4057	82	15	an	an	DET
fsr-4057	82	16	individual	individual	NOUN
fsr-4057	82	17	’s	’s	PART
fsr-4057	82	18	financial	financial	ADJ
fsr-4057	82	19	well	well	NOUN
fsr-4057	82	20	-	-	PUNCT
fsr-4057	82	21	being	being	NOUN
fsr-4057	82	22	.	.	PUNCT
fsr-4057	83	1	they	they	PRON
fsr-4057	83	2	found	find	VERB
fsr-4057	83	3	that	that	PRON
fsr-4057	83	4	fraud	fraud	NOUN
fsr-4057	83	5	(	(	PUNCT
fsr-4057	83	6	i.e.	i.e.	X
fsr-4057	83	7	,	,	PUNCT
fsr-4057	83	8	misrepresentation	misrepresentation	NOUN
fsr-4057	83	9	of	of	ADP
fsr-4057	83	10	information	information	NOUN
fsr-4057	83	11	and	and	CCONJ
fsr-4057	83	12	misuse	misuse	NOUN
fsr-4057	83	13	of	of	ADP
fsr-4057	83	14	money	money	NOUN
fsr-4057	83	15	by	by	ADP
fsr-4057	83	16	third	third	ADJ
fsr-4057	83	17	parties	party	NOUN
fsr-4057	83	18	)	)	PUNCT
fsr-4057	83	19	is	be	AUX
fsr-4057	83	20	associated	associate	VERB
fsr-4057	83	21	with	with	ADP
fsr-4057	83	22	a	a	DET
fsr-4057	83	23	loss	loss	NOUN
fsr-4057	83	24	of	of	ADP
fsr-4057	83	25	confidence	confidence	NOUN
fsr-4057	83	26	in	in	ADP
fsr-4057	83	27	financial	financial	ADJ
fsr-4057	83	28	matters	matter	NOUN
fsr-4057	83	29	,	,	PUNCT
fsr-4057	83	30	which	which	PRON
fsr-4057	83	31	negatively	negatively	ADV
fsr-4057	83	32	affects	affect	VERB
fsr-4057	83	33	future	future	ADJ
fsr-4057	83	34	financial	financial	ADJ
fsr-4057	83	35	decision	decision	NOUN
fsr-4057	83	36	-	-	PUNCT
fsr-4057	83	37	making	making	NOUN
fsr-4057	83	38	.	.	PUNCT
fsr-4057	84	1	lim	lim	PROPN
fsr-4057	84	2	and	and	CCONJ
fsr-4057	84	3	letkiewicz	letkiewicz	PROPN
fsr-4057	84	4	(	(	PUNCT
fsr-4057	84	5	2023	2023	NUM
fsr-4057	84	6	)	)	PUNCT
fsr-4057	84	7	found	find	VERB
fsr-4057	84	8	several	several	ADJ
fsr-4057	84	9	adverse	adverse	ADJ
fsr-4057	84	10	financial	financial	ADJ
fsr-4057	84	11	results	result	NOUN
fsr-4057	84	12	associated	associate	VERB
fsr-4057	84	13	with	with	ADP
fsr-4057	84	14	compromised	compromise	VERB
fsr-4057	84	15	bank	bank	NOUN
fsr-4057	84	16	accounts	account	NOUN
fsr-4057	84	17	due	due	ADJ
fsr-4057	84	18	to	to	ADP
fsr-4057	84	19	fraud	fraud	VERB
fsr-4057	84	20	.	.	PUNCT
fsr-4057	85	1	the	the	DET
fsr-4057	85	2	events	event	NOUN
fsr-4057	85	3	associated	associate	VERB
fsr-4057	85	4	with	with	ADP
fsr-4057	85	5	a	a	DET
fsr-4057	85	6	compromised	compromise	VERB
fsr-4057	85	7	account	account	NOUN
fsr-4057	85	8	due	due	ADP
fsr-4057	85	9	to	to	ADP
fsr-4057	85	10	fraud	fraud	NOUN
fsr-4057	85	11	included	include	VERB
fsr-4057	85	12	income	income	NOUN
fsr-4057	85	13	shocks	shock	NOUN
fsr-4057	85	14	,	,	PUNCT
fsr-4057	85	15	a	a	DET
fsr-4057	85	16	health	health	NOUN
fsr-4057	85	17	emergency	emergency	NOUN
fsr-4057	85	18	,	,	PUNCT
fsr-4057	85	19	having	have	VERB
fsr-4057	85	20	work	work	NOUN
fsr-4057	85	21	hours	hour	NOUN
fsr-4057	85	22	or	or	CCONJ
fsr-4057	85	23	pay	pay	VERB
fsr-4057	85	24	reduced	reduce	VERB
fsr-4057	85	25	,	,	PUNCT
fsr-4057	85	26	using	use	VERB
fsr-4057	85	27	payday	payday	NOUN
fsr-4057	85	28	loans	loan	NOUN
fsr-4057	85	29	,	,	PUNCT
fsr-4057	85	30	the	the	DET
fsr-4057	85	31	use	use	NOUN
fsr-4057	85	32	of	of	ADP
fsr-4057	85	33	reloadable	reloadable	ADJ
fsr-4057	85	34	cards	card	NOUN
fsr-4057	85	35	,	,	PUNCT
fsr-4057	85	36	and	and	CCONJ
fsr-4057	85	37	initiating	initiate	VERB
fsr-4057	85	38	non	non	ADJ
fsr-4057	85	39	-	-	ADJ
fsr-4057	85	40	bank	bank	ADJ
fsr-4057	85	41	international	international	ADJ
fsr-4057	85	42	transfers	transfer	NOUN
fsr-4057	85	43	.	.	PUNCT
fsr-4057	86	1	being	be	AUX
fsr-4057	86	2	more	more	ADV
fsr-4057	86	3	likely	likely	ADJ
fsr-4057	86	4	to	to	PART
fsr-4057	86	5	stop	stop	VERB
fsr-4057	86	6	taking	take	VERB
fsr-4057	86	7	medication	medication	NOUN
fsr-4057	86	8	due	due	ADP
fsr-4057	86	9	to	to	ADP
fsr-4057	86	10	cost	cost	NOUN
fsr-4057	86	11	was	be	AUX
fsr-4057	86	12	also	also	ADV
fsr-4057	86	13	associated	associate	VERB
fsr-4057	86	14	.	.	PUNCT
fsr-4057	87	1	several	several	ADJ
fsr-4057	87	2	studies	study	NOUN
fsr-4057	87	3	examined	examine	VERB
fsr-4057	87	4	financial	financial	ADJ
fsr-4057	87	5	hardship	hardship	NOUN
fsr-4057	87	6	’s	’s	PART
fsr-4057	87	7	effect	effect	NOUN
fsr-4057	87	8	on	on	ADP
fsr-4057	87	9	account	account	NOUN
fsr-4057	87	10	ownership	ownership	NOUN
fsr-4057	87	11	.	.	PUNCT
fsr-4057	88	1	for	for	ADP
fsr-4057	88	2	instance	instance	NOUN
fsr-4057	88	3	,	,	PUNCT
fsr-4057	88	4	goodstein	goodstein	NOUN
fsr-4057	88	5	and	and	CCONJ
fsr-4057	88	6	kutzbach	kutzbach	NOUN
fsr-4057	88	7	(	(	PUNCT
fsr-4057	88	8	2024	2024	NUM
fsr-4057	88	9	)	)	PUNCT
fsr-4057	88	10	found	find	VERB
fsr-4057	88	11	that	that	SCONJ
fsr-4057	88	12	job	job	NOUN
fsr-4057	88	13	loss	loss	NOUN
fsr-4057	88	14	and	and	CCONJ
fsr-4057	88	15	corresponding	correspond	VERB
fsr-4057	88	16	income	income	NOUN
fsr-4057	88	17	reduction	reduction	NOUN
fsr-4057	88	18	leads	lead	VERB
fsr-4057	88	19	to	to	ADP
fsr-4057	88	20	a	a	DET
fsr-4057	88	21	large	large	ADJ
fsr-4057	88	22	decrease	decrease	NOUN
fsr-4057	88	23	in	in	ADP
fsr-4057	88	24	the	the	DET
fsr-4057	88	25	likelihood	likelihood	NOUN
fsr-4057	88	26	of	of	ADP
fsr-4057	88	27	having	have	VERB
fsr-4057	88	28	an	an	DET
fsr-4057	88	29	account	account	NOUN
fsr-4057	88	30	for	for	ADP
fsr-4057	88	31	lower	low	ADJ
fsr-4057	88	32	-	-	PUNCT
fsr-4057	88	33	income	income	NOUN
fsr-4057	88	34	,	,	PUNCT
fsr-4057	88	35	renter	renter	NOUN
fsr-4057	88	36	households	household	NOUN
fsr-4057	88	37	.	.	PUNCT
fsr-4057	89	1	the	the	DET
fsr-4057	89	2	fdic	fdic	PROPN
fsr-4057	89	3	(	(	PUNCT
fsr-4057	89	4	2022	2022	NUM
fsr-4057	89	5	)	)	PUNCT
fsr-4057	89	6	found	find	VERB
fsr-4057	89	7	that	that	SCONJ
fsr-4057	89	8	financial	financial	ADJ
fsr-4057	89	9	hardship	hardship	NOUN
fsr-4057	89	10	(	(	PUNCT
fsr-4057	89	11	e.g.	e.g.	ADV
fsr-4057	89	12	,	,	PUNCT
fsr-4057	89	13	losing	lose	VERB
fsr-4057	89	14	or	or	CCONJ
fsr-4057	89	15	quitting	quit	VERB
fsr-4057	89	16	a	a	DET
fsr-4057	89	17	job	job	NOUN
fsr-4057	89	18	,	,	PUNCT
fsr-4057	89	19	being	be	AUX
fsr-4057	89	20	furloughed	furlough	VERB
fsr-4057	89	21	,	,	PUNCT
fsr-4057	89	22	birkenmaier	birkenmaier	NOUN
fsr-4057	89	23	&	&	CCONJ
fsr-4057	89	24	stratman	stratman	PROPN
fsr-4057	89	25	19	19	NUM
fsr-4057	89	26	having	have	VERB
fsr-4057	89	27	reduced	reduce	VERB
fsr-4057	89	28	work	work	NOUN
fsr-4057	89	29	hours	hour	NOUN
fsr-4057	89	30	,	,	PUNCT
fsr-4057	89	31	or	or	CCONJ
fsr-4057	89	32	having	have	VERB
fsr-4057	89	33	a	a	DET
fsr-4057	89	34	significant	significant	ADJ
fsr-4057	89	35	loss	loss	NOUN
fsr-4057	89	36	of	of	ADP
fsr-4057	89	37	income	income	NOUN
fsr-4057	89	38	)	)	PUNCT
fsr-4057	89	39	contributed	contribute	VERB
fsr-4057	89	40	to	to	ADP
fsr-4057	89	41	closing	close	VERB
fsr-4057	89	42	an	an	DET
fsr-4057	89	43	account	account	NOUN
fsr-4057	89	44	.	.	PUNCT
fsr-4057	90	1	study	study	NOUN
fsr-4057	90	2	justification	justification	NOUN
fsr-4057	90	3	and	and	CCONJ
fsr-4057	90	4	research	research	NOUN
fsr-4057	90	5	questions	question	NOUN
fsr-4057	90	6	little	little	ADJ
fsr-4057	90	7	research	research	NOUN
fsr-4057	90	8	has	have	AUX
fsr-4057	90	9	been	be	AUX
fsr-4057	90	10	published	publish	VERB
fsr-4057	90	11	on	on	ADP
fsr-4057	90	12	the	the	DET
fsr-4057	90	13	characteristics	characteristic	NOUN
fsr-4057	90	14	of	of	ADP
fsr-4057	90	15	complaints	complaint	NOUN
fsr-4057	90	16	from	from	ADP
fsr-4057	90	17	consumers	consumer	NOUN
fsr-4057	90	18	related	relate	VERB
fsr-4057	90	19	to	to	ADP
fsr-4057	90	20	their	their	PRON
fsr-4057	90	21	basic	basic	ADJ
fsr-4057	90	22	bank	bank	NOUN
fsr-4057	90	23	accounts	account	NOUN
fsr-4057	90	24	,	,	PUNCT
fsr-4057	90	25	or	or	CCONJ
fsr-4057	90	26	the	the	DET
fsr-4057	90	27	relationship	relationship	NOUN
fsr-4057	90	28	of	of	ADP
fsr-4057	90	29	bank	bank	NOUN
fsr-4057	90	30	account	account	NOUN
fsr-4057	90	31	challenges	challenge	NOUN
fsr-4057	90	32	to	to	ADP
fsr-4057	90	33	customer	customer	NOUN
fsr-4057	90	34	service	service	NOUN
fsr-4057	90	35	or	or	CCONJ
fsr-4057	90	36	financial	financial	ADJ
fsr-4057	90	37	hardship	hardship	NOUN
fsr-4057	90	38	.	.	PUNCT
fsr-4057	91	1	in	in	ADP
fsr-4057	91	2	addition	addition	NOUN
fsr-4057	91	3	,	,	PUNCT
fsr-4057	91	4	little	little	ADJ
fsr-4057	91	5	is	be	AUX
fsr-4057	91	6	known	know	VERB
fsr-4057	91	7	about	about	ADP
fsr-4057	91	8	the	the	DET
fsr-4057	91	9	relationship	relationship	NOUN
fsr-4057	91	10	of	of	ADP
fsr-4057	91	11	bank	bank	NOUN
fsr-4057	91	12	account	account	NOUN
fsr-4057	91	13	challenges	challenge	NOUN
fsr-4057	91	14	to	to	ADP
fsr-4057	91	15	demographic	demographic	ADJ
fsr-4057	91	16	or	or	CCONJ
fsr-4057	91	17	sociocultural	sociocultural	ADJ
fsr-4057	91	18	factors	factor	NOUN
fsr-4057	91	19	that	that	PRON
fsr-4057	91	20	make	make	VERB
fsr-4057	91	21	consumers	consumer	NOUN
fsr-4057	91	22	vulnerable	vulnerable	ADJ
fsr-4057	91	23	.	.	PUNCT
fsr-4057	92	1	this	this	DET
fsr-4057	92	2	study	study	NOUN
fsr-4057	92	3	fills	fill	VERB
fsr-4057	92	4	a	a	DET
fsr-4057	92	5	gap	gap	NOUN
fsr-4057	92	6	in	in	ADP
fsr-4057	92	7	the	the	DET
fsr-4057	92	8	literature	literature	NOUN
fsr-4057	92	9	to	to	PART
fsr-4057	92	10	provide	provide	VERB
fsr-4057	92	11	a	a	DET
fsr-4057	92	12	detailed	detailed	ADJ
fsr-4057	92	13	discussion	discussion	NOUN
fsr-4057	92	14	of	of	ADP
fsr-4057	92	15	the	the	DET
fsr-4057	92	16	challenges	challenge	NOUN
fsr-4057	92	17	consumers	consumer	NOUN
fsr-4057	92	18	face	face	VERB
fsr-4057	92	19	with	with	ADP
fsr-4057	92	20	their	their	PRON
fsr-4057	92	21	bank	bank	NOUN
fsr-4057	92	22	accounts	account	NOUN
fsr-4057	92	23	from	from	ADP
fsr-4057	92	24	large	large	ADJ
fsr-4057	92	25	u.s	u.s	PROPN
fsr-4057	92	26	.	.	PROPN
fsr-4057	92	27	financial	financial	ADJ
fsr-4057	92	28	institutions	institution	NOUN
fsr-4057	92	29	.	.	PUNCT
fsr-4057	93	1	the	the	DET
fsr-4057	93	2	research	research	NOUN
fsr-4057	93	3	questions	question	NOUN
fsr-4057	93	4	are	be	AUX
fsr-4057	93	5	:	:	PUNCT
fsr-4057	93	6	1	1	X
fsr-4057	93	7	.	.	X
fsr-4057	94	1	what	what	PRON
fsr-4057	94	2	are	be	AUX
fsr-4057	94	3	the	the	DET
fsr-4057	94	4	characteristics	characteristic	NOUN
fsr-4057	94	5	of	of	ADP
fsr-4057	94	6	consumer	consumer	NOUN
fsr-4057	94	7	complaints	complaint	NOUN
fsr-4057	94	8	about	about	ADP
fsr-4057	94	9	their	their	PRON
fsr-4057	94	10	basic	basic	ADJ
fsr-4057	94	11	bank	bank	NOUN
fsr-4057	94	12	accounts	account	NOUN
fsr-4057	94	13	from	from	ADP
fsr-4057	94	14	large	large	ADJ
fsr-4057	94	15	u.s	u.s	PROPN
fsr-4057	94	16	.	.	PROPN
fsr-4057	94	17	financial	financial	ADJ
fsr-4057	94	18	institutions	institution	NOUN
fsr-4057	94	19	,	,	PUNCT
fsr-4057	94	20	as	as	ADP
fsr-4057	94	21	related	relate	VERB
fsr-4057	94	22	to	to	ADP
fsr-4057	94	23	bank	bank	NOUN
fsr-4057	94	24	problems	problem	NOUN
fsr-4057	94	25	,	,	PUNCT
fsr-4057	94	26	customer	customer	NOUN
fsr-4057	94	27	service	service	NOUN
fsr-4057	94	28	,	,	PUNCT
fsr-4057	94	29	financial	financial	ADJ
fsr-4057	94	30	hardship	hardship	NOUN
fsr-4057	94	31	,	,	PUNCT
fsr-4057	94	32	and	and	CCONJ
fsr-4057	94	33	emotional	emotional	ADJ
fsr-4057	94	34	hardship	hardship	NOUN
fsr-4057	94	35	;	;	PUNCT
fsr-4057	94	36	and	and	CCONJ
fsr-4057	94	37	2	2	X
fsr-4057	94	38	.	.	AUX
fsr-4057	94	39	do	do	VERB
fsr-4057	94	40	consumer	consumer	NOUN
fsr-4057	94	41	problems	problem	NOUN
fsr-4057	94	42	with	with	ADP
fsr-4057	94	43	basic	basic	ADJ
fsr-4057	94	44	bank	bank	NOUN
fsr-4057	94	45	accounts	account	NOUN
fsr-4057	94	46	relate	relate	VERB
fsr-4057	94	47	to	to	ADP
fsr-4057	94	48	consumer	consumer	NOUN
fsr-4057	94	49	financial	financial	ADJ
fsr-4057	94	50	hardship	hardship	NOUN
fsr-4057	94	51	?	?	PUNCT
fsr-4057	95	1	methods	method	NOUN
fsr-4057	95	2	consumer	consumer	NOUN
fsr-4057	95	3	research	research	NOUN
fsr-4057	95	4	has	have	AUX
fsr-4057	95	5	made	make	VERB
fsr-4057	95	6	extensive	extensive	ADJ
fsr-4057	95	7	use	use	NOUN
fsr-4057	95	8	of	of	ADP
fsr-4057	95	9	content	content	ADJ
fsr-4057	95	10	analysis	analysis	NOUN
fsr-4057	95	11	(	(	PUNCT
fsr-4057	95	12	e.g.	e.g.	ADV
fsr-4057	95	13	,	,	PUNCT
fsr-4057	95	14	bartikowski	bartikowski	PROPN
fsr-4057	95	15	&	&	CCONJ
fsr-4057	95	16	laroche	laroche	PROPN
fsr-4057	95	17	,	,	PUNCT
fsr-4057	95	18	2019	2019	NUM
fsr-4057	95	19	;	;	PUNCT
fsr-4057	95	20	estelami	estelami	PROPN
fsr-4057	95	21	&	&	CCONJ
fsr-4057	95	22	liu	liu	PROPN
fsr-4057	95	23	,	,	PUNCT
fsr-4057	95	24	2023	2023	NUM
fsr-4057	95	25	;	;	PUNCT
fsr-4057	95	26	kim	kim	PROPN
fsr-4057	95	27	et	et	PROPN
fsr-4057	95	28	al	al	PROPN
fsr-4057	95	29	.	.	PROPN
fsr-4057	95	30	,	,	PUNCT
fsr-4057	95	31	2013	2013	NUM
fsr-4057	95	32	;	;	PUNCT
fsr-4057	95	33	lecoeuvre	lecoeuvre	NOUN
fsr-4057	95	34	et	et	PROPN
fsr-4057	95	35	al	al	PROPN
fsr-4057	95	36	.	.	PROPN
fsr-4057	95	37	,	,	PUNCT
fsr-4057	95	38	2021	2021	NUM
fsr-4057	95	39	)	)	PUNCT
fsr-4057	95	40	.	.	PUNCT
fsr-4057	96	1	following	follow	VERB
fsr-4057	96	2	these	these	DET
fsr-4057	96	3	examples	example	NOUN
fsr-4057	96	4	,	,	PUNCT
fsr-4057	96	5	this	this	DET
fsr-4057	96	6	study	study	NOUN
fsr-4057	96	7	used	use	VERB
fsr-4057	96	8	a	a	DET
fsr-4057	96	9	content	content	NOUN
fsr-4057	96	10	analysis	analysis	NOUN
fsr-4057	96	11	method	method	NOUN
fsr-4057	96	12	to	to	PART
fsr-4057	96	13	examine	examine	VERB
fsr-4057	96	14	the	the	DET
fsr-4057	96	15	research	research	NOUN
fsr-4057	96	16	questions	question	NOUN
fsr-4057	96	17	.	.	PUNCT
fsr-4057	97	1	content	content	NOUN
fsr-4057	97	2	analysis	analysis	NOUN
fsr-4057	97	3	is	be	AUX
fsr-4057	97	4	a	a	DET
fsr-4057	97	5	research	research	NOUN
fsr-4057	97	6	methodology	methodology	NOUN
fsr-4057	97	7	that	that	PRON
fsr-4057	97	8	systematically	systematically	ADV
fsr-4057	97	9	analyzes	analyze	VERB
fsr-4057	97	10	and	and	CCONJ
fsr-4057	97	11	interprets	interpret	VERB
fsr-4057	97	12	qualitative	qualitative	ADJ
fsr-4057	97	13	data	datum	NOUN
fsr-4057	97	14	to	to	PART
fsr-4057	97	15	identify	identify	VERB
fsr-4057	97	16	patterns	pattern	NOUN
fsr-4057	97	17	,	,	PUNCT
fsr-4057	97	18	themes	theme	NOUN
fsr-4057	97	19	,	,	PUNCT
fsr-4057	97	20	and	and	CCONJ
fsr-4057	97	21	meanings	meaning	NOUN
fsr-4057	97	22	within	within	ADP
fsr-4057	97	23	the	the	DET
fsr-4057	97	24	data	datum	NOUN
fsr-4057	97	25	.	.	PUNCT
fsr-4057	98	1	the	the	DET
fsr-4057	98	2	process	process	NOUN
fsr-4057	98	3	involves	involve	VERB
fsr-4057	98	4	breaking	break	VERB
fsr-4057	98	5	down	down	ADP
fsr-4057	98	6	the	the	DET
fsr-4057	98	7	content	content	NOUN
fsr-4057	98	8	(	(	PUNCT
fsr-4057	98	9	e.g.	e.g.	ADV
fsr-4057	98	10	,	,	PUNCT
fsr-4057	98	11	narrative	narrative	ADJ
fsr-4057	98	12	consumer	consumer	NOUN
fsr-4057	98	13	complaints	complaint	NOUN
fsr-4057	98	14	)	)	PUNCT
fsr-4057	98	15	,	,	PUNCT
fsr-4057	98	16	into	into	ADP
fsr-4057	98	17	manageable	manageable	ADJ
fsr-4057	98	18	units	unit	NOUN
fsr-4057	98	19	(	(	PUNCT
fsr-4057	98	20	e.g.	e.g.	ADV
fsr-4057	98	21	,	,	PUNCT
fsr-4057	98	22	topics	topic	NOUN
fsr-4057	98	23	)	)	PUNCT
fsr-4057	98	24	,	,	PUNCT
fsr-4057	98	25	then	then	ADV
fsr-4057	98	26	categorizing	categorize	VERB
fsr-4057	98	27	and	and	CCONJ
fsr-4057	98	28	coding	code	VERB
fsr-4057	98	29	these	these	DET
fsr-4057	98	30	units	unit	NOUN
fsr-4057	98	31	based	base	VERB
fsr-4057	98	32	on	on	ADP
fsr-4057	98	33	predetermined	predetermine	VERB
fsr-4057	98	34	criteria	criterion	NOUN
fsr-4057	98	35	.	.	PUNCT
fsr-4057	99	1	a	a	DET
fsr-4057	99	2	key	key	ADJ
fsr-4057	99	3	element	element	NOUN
fsr-4057	99	4	is	be	AUX
fsr-4057	99	5	the	the	DET
fsr-4057	99	6	development	development	NOUN
fsr-4057	99	7	of	of	ADP
fsr-4057	99	8	a	a	DET
fsr-4057	99	9	coding	code	VERB
fsr-4057	99	10	scheme	scheme	NOUN
fsr-4057	99	11	,	,	PUNCT
fsr-4057	99	12	or	or	CCONJ
fsr-4057	99	13	set	set	NOUN
fsr-4057	99	14	of	of	ADP
fsr-4057	99	15	categories	category	NOUN
fsr-4057	99	16	based	base	VERB
fsr-4057	99	17	on	on	ADP
fsr-4057	99	18	the	the	DET
fsr-4057	99	19	research	research	NOUN
fsr-4057	99	20	objectives	objective	NOUN
fsr-4057	99	21	,	,	PUNCT
fsr-4057	99	22	and	and	CCONJ
fsr-4057	99	23	applying	apply	VERB
fsr-4057	99	24	the	the	DET
fsr-4057	99	25	categories	category	NOUN
fsr-4057	99	26	to	to	ADP
fsr-4057	99	27	the	the	DET
fsr-4057	99	28	data	datum	NOUN
fsr-4057	99	29	in	in	ADP
fsr-4057	99	30	a	a	DET
fsr-4057	99	31	systematic	systematic	ADJ
fsr-4057	99	32	way	way	NOUN
fsr-4057	99	33	based	base	VERB
fsr-4057	99	34	on	on	ADP
fsr-4057	99	35	their	their	PRON
fsr-4057	99	36	content	content	NOUN
fsr-4057	99	37	or	or	CCONJ
fsr-4057	99	38	characteristics	characteristic	NOUN
fsr-4057	99	39	(	(	PUNCT
fsr-4057	99	40	krippendorff	krippendorff	NOUN
fsr-4057	99	41	,	,	PUNCT
fsr-4057	99	42	2019	2019	NUM
fsr-4057	99	43	)	)	PUNCT
fsr-4057	99	44	.	.	PUNCT
fsr-4057	100	1	in	in	ADP
fsr-4057	100	2	this	this	DET
fsr-4057	100	3	study	study	NOUN
fsr-4057	100	4	,	,	PUNCT
fsr-4057	100	5	researchers	researcher	NOUN
fsr-4057	100	6	used	use	VERB
fsr-4057	100	7	content	content	NOUN
fsr-4057	100	8	analysis	analysis	NOUN
fsr-4057	100	9	to	to	PART
fsr-4057	100	10	code	code	VERB
fsr-4057	100	11	qualitative	qualitative	ADJ
fsr-4057	100	12	consumer	consumer	NOUN
fsr-4057	100	13	complaints	complaint	NOUN
fsr-4057	100	14	into	into	ADP
fsr-4057	100	15	quantitative	quantitative	ADJ
fsr-4057	100	16	data	datum	NOUN
fsr-4057	100	17	,	,	PUNCT
fsr-4057	100	18	using	use	VERB
fsr-4057	100	19	the	the	DET
fsr-4057	100	20	following	follow	VERB
fsr-4057	100	21	multi	multi	ADJ
fsr-4057	100	22	-	-	ADJ
fsr-4057	100	23	step	step	ADJ
fsr-4057	100	24	process	process	NOUN
fsr-4057	100	25	to	to	PART
fsr-4057	100	26	design	design	VERB
fsr-4057	100	27	and	and	CCONJ
fsr-4057	100	28	implement	implement	VERB
fsr-4057	100	29	the	the	DET
fsr-4057	100	30	coding	code	VERB
fsr-4057	100	31	procedure	procedure	NOUN
fsr-4057	100	32	.	.	PUNCT
fsr-4057	101	1	two	two	NUM
fsr-4057	101	2	coders	coder	NOUN
fsr-4057	101	3	first	first	ADV
fsr-4057	101	4	agreed	agree	VERB
fsr-4057	101	5	on	on	ADP
fsr-4057	101	6	four	four	NUM
fsr-4057	101	7	metacategories	metacategorie	NOUN
fsr-4057	101	8	(	(	PUNCT
fsr-4057	101	9	i.e.	i.e.	X
fsr-4057	101	10	,	,	PUNCT
fsr-4057	101	11	financial	financial	ADJ
fsr-4057	101	12	institution	institution	NOUN
fsr-4057	101	13	problem(s	problem(s	NOUN
fsr-4057	101	14	)	)	PUNCT
fsr-4057	101	15	,	,	PUNCT
fsr-4057	101	16	unsatisfactory	unsatisfactory	ADJ
fsr-4057	101	17	customer	customer	NOUN
fsr-4057	101	18	service	service	NOUN
fsr-4057	101	19	,	,	PUNCT
fsr-4057	101	20	financial	financial	ADJ
fsr-4057	101	21	hardship	hardship	NOUN
fsr-4057	101	22	resulting	result	VERB
fsr-4057	101	23	from	from	ADP
fsr-4057	101	24	the	the	DET
fsr-4057	101	25	financial	financial	ADJ
fsr-4057	101	26	institution	institution	NOUN
fsr-4057	101	27	problem(s	problem(s	NOUN
fsr-4057	101	28	)	)	PUNCT
fsr-4057	101	29	,	,	PUNCT
fsr-4057	101	30	and	and	CCONJ
fsr-4057	101	31	emotional	emotional	ADJ
fsr-4057	101	32	hardship	hardship	NOUN
fsr-4057	101	33	resulting	result	VERB
fsr-4057	101	34	from	from	ADP
fsr-4057	101	35	the	the	DET
fsr-4057	101	36	financial	financial	ADJ
fsr-4057	101	37	institution	institution	NOUN
fsr-4057	101	38	problem(s	problem(s	NOUN
fsr-4057	101	39	)	)	PUNCT
fsr-4057	101	40	)	)	PUNCT
fsr-4057	101	41	.	.	PUNCT
fsr-4057	102	1	these	these	DET
fsr-4057	102	2	meta	meta	ADJ
fsr-4057	102	3	-	-	PUNCT
fsr-4057	102	4	categories	category	NOUN
fsr-4057	102	5	were	be	AUX
fsr-4057	102	6	developed	develop	VERB
fsr-4057	102	7	based	base	VERB
fsr-4057	102	8	on	on	ADP
fsr-4057	102	9	previous	previous	ADJ
fsr-4057	102	10	scholarship	scholarship	NOUN
fsr-4057	102	11	using	use	VERB
fsr-4057	102	12	the	the	DET
fsr-4057	102	13	cfpb	cfpb	NOUN
fsr-4057	102	14	complaint	complaint	NOUN
fsr-4057	102	15	database	database	NOUN
fsr-4057	102	16	,	,	PUNCT
fsr-4057	102	17	including	include	VERB
fsr-4057	102	18	research	research	NOUN
fsr-4057	102	19	on	on	ADP
fsr-4057	102	20	credit	credit	NOUN
fsr-4057	102	21	card	card	NOUN
fsr-4057	102	22	fraud	fraud	NOUN
fsr-4057	102	23	that	that	PRON
fsr-4057	102	24	found	find	VERB
fsr-4057	102	25	financial	financial	ADJ
fsr-4057	102	26	and	and	CCONJ
fsr-4057	102	27	emotional	emotional	ADJ
fsr-4057	102	28	hardship	hardship	NOUN
fsr-4057	102	29	(	(	PUNCT
fsr-4057	102	30	estelami	estelami	PROPN
fsr-4057	102	31	&	&	CCONJ
fsr-4057	102	32	liu	liu	PROPN
fsr-4057	102	33	,	,	PUNCT
fsr-4057	102	34	2023	2023	NUM
fsr-4057	102	35	)	)	PUNCT
fsr-4057	102	36	,	,	PUNCT
fsr-4057	102	37	account	account	NOUN
fsr-4057	102	38	fraud	fraud	NOUN
fsr-4057	102	39	literature	literature	PROPN
fsr-4057	102	40	about	about	ADP
fsr-4057	102	41	consumer	consumer	NOUN
fsr-4057	102	42	vulnerability	vulnerability	NOUN
fsr-4057	102	43	and	and	CCONJ
fsr-4057	102	44	compromised	compromise	VERB
fsr-4057	102	45	accounts	account	NOUN
fsr-4057	102	46	(	(	PUNCT
fsr-4057	102	47	lim	lim	PROPN
fsr-4057	102	48	&	&	CCONJ
fsr-4057	102	49	letkiewicz	letkiewicz	PROPN
fsr-4057	102	50	,	,	PUNCT
fsr-4057	102	51	2023	2023	NUM
fsr-4057	102	52	)	)	PUNCT
fsr-4057	102	53	,	,	PUNCT
fsr-4057	102	54	as	as	ADV
fsr-4057	102	55	well	well	ADV
fsr-4057	102	56	as	as	ADP
fsr-4057	102	57	a	a	DET
fsr-4057	102	58	review	review	NOUN
fsr-4057	102	59	of	of	ADP
fsr-4057	102	60	the	the	DET
fsr-4057	102	61	first	first	ADJ
fsr-4057	102	62	25	25	NUM
fsr-4057	102	63	complaints	complaint	NOUN
fsr-4057	102	64	in	in	ADP
fsr-4057	102	65	the	the	DET
fsr-4057	102	66	dataset	dataset	NOUN
fsr-4057	102	67	.	.	PUNCT
fsr-4057	103	1	next	next	ADV
fsr-4057	103	2	,	,	PUNCT
fsr-4057	103	3	the	the	DET
fsr-4057	103	4	two	two	NUM
fsr-4057	103	5	coders	coder	NOUN
fsr-4057	103	6	independently	independently	ADV
fsr-4057	103	7	read	read	VERB
fsr-4057	103	8	a	a	DET
fsr-4057	103	9	small	small	ADJ
fsr-4057	103	10	number	number	NOUN
fsr-4057	103	11	of	of	ADP
fsr-4057	103	12	the	the	DET
fsr-4057	103	13	complaints	complaint	NOUN
fsr-4057	103	14	and	and	CCONJ
fsr-4057	103	15	identified	identify	VERB
fsr-4057	103	16	relevant	relevant	ADJ
fsr-4057	103	17	“	"	PUNCT
fsr-4057	103	18	thought	think	VERB
fsr-4057	103	19	categories	category	NOUN
fsr-4057	103	20	”	"	PUNCT
fsr-4057	103	21	expressed	express	VERB
fsr-4057	103	22	by	by	ADP
fsr-4057	103	23	the	the	DET
fsr-4057	103	24	complaints	complaint	NOUN
fsr-4057	103	25	(	(	PUNCT
fsr-4057	103	26	e.g.	e.g.	ADV
fsr-4057	103	27	,	,	PUNCT
fsr-4057	103	28	“	"	PUNCT
fsr-4057	103	29	can	can	AUX
fsr-4057	103	30	not	not	PART
fsr-4057	103	31	view	view	VERB
fsr-4057	103	32	account	account	NOUN
fsr-4057	103	33	online	online	ADV
fsr-4057	103	34	"	"	PUNCT
fsr-4057	103	35	and	and	CCONJ
fsr-4057	103	36	“	"	PUNCT
fsr-4057	103	37	unauthorized	unauthorized	ADJ
fsr-4057	103	38	account	account	NOUN
fsr-4057	103	39	opening	opening	NOUN
fsr-4057	103	40	”	"	PUNCT
fsr-4057	103	41	)	)	PUNCT
fsr-4057	103	42	.	.	PUNCT
fsr-4057	104	1	these	these	DET
fsr-4057	104	2	thought	think	VERB
fsr-4057	104	3	categories	category	NOUN
fsr-4057	104	4	were	be	AUX
fsr-4057	104	5	compared	compare	VERB
fsr-4057	104	6	between	between	ADP
fsr-4057	104	7	the	the	DET
fsr-4057	104	8	two	two	NUM
fsr-4057	104	9	coders	coder	NOUN
fsr-4057	104	10	,	,	PUNCT
fsr-4057	104	11	who	who	PRON
fsr-4057	104	12	used	use	VERB
fsr-4057	104	13	discussion	discussion	NOUN
fsr-4057	104	14	to	to	PART
fsr-4057	104	15	resolve	resolve	VERB
fsr-4057	104	16	differences	difference	NOUN
fsr-4057	104	17	.	.	PUNCT
fsr-4057	105	1	after	after	ADP
fsr-4057	105	2	several	several	ADJ
fsr-4057	105	3	rounds	round	NOUN
fsr-4057	105	4	of	of	ADP
fsr-4057	105	5	creating	create	VERB
fsr-4057	105	6	new	new	ADJ
fsr-4057	105	7	thought	thought	NOUN
fsr-4057	105	8	categories	category	NOUN
fsr-4057	105	9	based	base	VERB
fsr-4057	105	10	on	on	ADP
fsr-4057	105	11	approximately	approximately	ADV
fsr-4057	105	12	10	10	NUM
fsr-4057	105	13	%	%	NOUN
fsr-4057	105	14	of	of	ADP
fsr-4057	105	15	the	the	DET
fsr-4057	105	16	complaints	complaint	NOUN
fsr-4057	105	17	,	,	PUNCT
fsr-4057	105	18	the	the	DET
fsr-4057	105	19	thought	thought	NOUN
fsr-4057	105	20	categories	category	NOUN
fsr-4057	105	21	were	be	AUX
fsr-4057	105	22	grouped	group	VERB
fsr-4057	105	23	under	under	ADP
fsr-4057	105	24	thought	think	VERB
fsr-4057	105	25	domains	domain	NOUN
fsr-4057	105	26	(	(	PUNCT
fsr-4057	105	27	e.g.	e.g.	ADV
fsr-4057	105	28	,	,	PUNCT
fsr-4057	105	29	“	"	PUNCT
fsr-4057	105	30	account	account	VERB
fsr-4057	105	31	incentive	incentive	NOUN
fsr-4057	105	32	problem	problem	NOUN
fsr-4057	105	33	,	,	PUNCT
fsr-4057	105	34	”	"	PUNCT
fsr-4057	105	35	“	"	PUNCT
fsr-4057	105	36	account	account	NOUN
fsr-4057	105	37	transaction	transaction	NOUN
fsr-4057	105	38	problem	problem	NOUN
fsr-4057	105	39	,	,	PUNCT
fsr-4057	105	40	”	"	PUNCT
fsr-4057	105	41	and	and	CCONJ
fsr-4057	105	42	“	"	PUNCT
fsr-4057	105	43	fee	fee	NOUN
fsr-4057	105	44	problem	problem	NOUN
fsr-4057	105	45	”	"	PUNCT
fsr-4057	105	46	)	)	PUNCT
fsr-4057	105	47	and	and	CCONJ
fsr-4057	105	48	metacategories	metacategorie	NOUN
fsr-4057	105	49	(	(	PUNCT
fsr-4057	105	50	krippendorff	krippendorff	NOUN
fsr-4057	105	51	,	,	PUNCT
fsr-4057	105	52	2019	2019	NUM
fsr-4057	105	53	)	)	PUNCT
fsr-4057	105	54	.	.	PUNCT
fsr-4057	106	1	after	after	ADP
fsr-4057	106	2	the	the	DET
fsr-4057	106	3	creation	creation	NOUN
fsr-4057	106	4	of	of	ADP
fsr-4057	106	5	the	the	DET
fsr-4057	106	6	initial	initial	ADJ
fsr-4057	106	7	thought	think	VERB
fsr-4057	106	8	domains	domain	NOUN
fsr-4057	106	9	,	,	PUNCT
fsr-4057	106	10	each	each	DET
fsr-4057	106	11	complaint	complaint	NOUN
fsr-4057	106	12	record	record	NOUN
fsr-4057	106	13	was	be	AUX
fsr-4057	106	14	coded	code	VERB
fsr-4057	106	15	at	at	ADP
fsr-4057	106	16	the	the	DET
fsr-4057	106	17	thought	think	VERB
fsr-4057	106	18	domain	domain	NOUN
fsr-4057	106	19	level	level	NOUN
fsr-4057	106	20	with	with	ADP
fsr-4057	106	21	as	as	ADV
fsr-4057	106	22	many	many	ADJ
fsr-4057	106	23	thought	think	VERB
fsr-4057	106	24	domains	domain	NOUN
fsr-4057	106	25	as	as	SCONJ
fsr-4057	106	26	needed	need	VERB
fsr-4057	106	27	.	.	PUNCT
fsr-4057	107	1	the	the	DET
fsr-4057	107	2	coders	coder	NOUN
fsr-4057	107	3	occasionally	occasionally	ADV
fsr-4057	107	4	added	add	VERB
fsr-4057	107	5	new	new	ADJ
fsr-4057	107	6	thought	thought	NOUN
fsr-4057	107	7	categories	category	NOUN
fsr-4057	107	8	and	and	CCONJ
fsr-4057	107	9	thought	think	VERB
fsr-4057	107	10	domains	domain	NOUN
fsr-4057	107	11	,	,	PUNCT
fsr-4057	107	12	and/or	and/or	CCONJ
fsr-4057	107	13	agreed	agree	VERB
fsr-4057	107	14	to	to	PART
fsr-4057	107	15	move	move	VERB
fsr-4057	107	16	a	a	DET
fsr-4057	107	17	thought	think	VERB
fsr-4057	107	18	category	category	NOUN
fsr-4057	107	19	from	from	ADP
fsr-4057	107	20	one	one	NUM
fsr-4057	107	21	thought	thought	NOUN
fsr-4057	107	22	domain	domain	NOUN
fsr-4057	107	23	to	to	ADP
fsr-4057	107	24	another	another	PRON
fsr-4057	107	25	(	(	PUNCT
fsr-4057	107	26	e.g.	e.g.	ADV
fsr-4057	107	27	,	,	PUNCT
fsr-4057	107	28	“	"	PUNCT
fsr-4057	107	29	lack	lack	NOUN
fsr-4057	107	30	of	of	ADP
fsr-4057	107	31	access	access	NOUN
fsr-4057	107	32	to	to	ADP
fsr-4057	107	33	provisional	provisional	ADJ
fsr-4057	107	34	credit	credit	NOUN
fsr-4057	107	35	”	"	PUNCT
fsr-4057	107	36	from	from	ADP
fsr-4057	107	37	the	the	DET
fsr-4057	107	38	thought	thought	NOUN
fsr-4057	107	39	domain	domain	NOUN
fsr-4057	107	40	of	of	ADP
fsr-4057	107	41	“	"	PUNCT
fsr-4057	107	42	policy	policy	NOUN
fsr-4057	107	43	or	or	CCONJ
fsr-4057	107	44	procedure	procedure	NOUN
fsr-4057	107	45	problem	problem	NOUN
fsr-4057	107	46	”	"	PUNCT
fsr-4057	107	47	to	to	ADP
fsr-4057	107	48	“	"	PUNCT
fsr-4057	107	49	lost	lose	VERB
fsr-4057	107	50	funds	fund	NOUN
fsr-4057	107	51	or	or	CCONJ
fsr-4057	107	52	unable	unable	ADJ
fsr-4057	107	53	to	to	PART
fsr-4057	107	54	access	access	VERB
fsr-4057	107	55	funds	fund	NOUN
fsr-4057	107	56	”	"	PUNCT
fsr-4057	107	57	)	)	PUNCT
fsr-4057	107	58	.	.	PUNCT
fsr-4057	108	1	a	a	DET
fsr-4057	108	2	fifth	fifth	ADJ
fsr-4057	108	3	meta	meta	ADJ
fsr-4057	108	4	-	-	PUNCT
fsr-4057	108	5	category	category	NOUN
fsr-4057	108	6	,	,	PUNCT
fsr-4057	108	7	customer	customer	NOUN
fsr-4057	108	8	vulnerability	vulnerability	NOUN
fsr-4057	108	9	,	,	PUNCT
fsr-4057	108	10	was	be	AUX
fsr-4057	108	11	added	add	VERB
fsr-4057	108	12	during	during	ADP
fsr-4057	108	13	the	the	DET
fsr-4057	108	14	coding	code	VERB
fsr-4057	108	15	process	process	NOUN
fsr-4057	108	16	,	,	PUNCT
fsr-4057	108	17	and	and	CCONJ
fsr-4057	108	18	thought	think	VERB
fsr-4057	108	19	domains	domain	NOUN
fsr-4057	108	20	and	and	CCONJ
fsr-4057	108	21	categories	category	NOUN
fsr-4057	108	22	were	be	AUX
fsr-4057	108	23	created	create	VERB
fsr-4057	108	24	for	for	ADP
fsr-4057	108	25	it	it	PRON
fsr-4057	108	26	.	.	PUNCT
fsr-4057	109	1	previously	previously	ADV
fsr-4057	109	2	coded	code	VERB
fsr-4057	109	3	complaints	complaint	NOUN
fsr-4057	109	4	were	be	AUX
fsr-4057	109	5	retroactively	retroactively	ADV
fsr-4057	109	6	re	re	VERB
fsr-4057	109	7	-	-	VERB
fsr-4057	109	8	coded	code	VERB
fsr-4057	109	9	each	each	DET
fsr-4057	109	10	time	time	NOUN
fsr-4057	109	11	a	a	DET
fsr-4057	109	12	code	code	NOUN
fsr-4057	109	13	was	be	AUX
fsr-4057	109	14	changed	change	VERB
fsr-4057	109	15	or	or	CCONJ
fsr-4057	109	16	added	add	VERB
fsr-4057	109	17	to	to	PART
fsr-4057	109	18	reflect	reflect	VERB
fsr-4057	109	19	the	the	DET
fsr-4057	109	20	current	current	ADJ
fsr-4057	109	21	coding	code	VERB
fsr-4057	109	22	scheme	scheme	NOUN
fsr-4057	109	23	,	,	PUNCT
fsr-4057	109	24	and	and	CCONJ
fsr-4057	109	25	coders	coder	NOUN
fsr-4057	109	26	continued	continue	VERB
fsr-4057	109	27	to	to	PART
fsr-4057	109	28	compare	compare	VERB
fsr-4057	109	29	coding	code	VERB
fsr-4057	109	30	and	and	CCONJ
fsr-4057	109	31	resolve	resolve	VERB
fsr-4057	109	32	discrepancies	discrepancy	NOUN
fsr-4057	109	33	through	through	ADP
fsr-4057	109	34	discussion	discussion	NOUN
fsr-4057	109	35	throughout	throughout	ADP
fsr-4057	109	36	the	the	DET
fsr-4057	109	37	coding	coding	NOUN
fsr-4057	109	38	.	.	PUNCT
fsr-4057	110	1	this	this	DET
fsr-4057	110	2	process	process	NOUN
fsr-4057	110	3	allows	allow	VERB
fsr-4057	110	4	the	the	DET
fsr-4057	110	5	transformation	transformation	NOUN
fsr-4057	110	6	of	of	ADP
fsr-4057	110	7	qualitative	qualitative	ADJ
fsr-4057	110	8	data	datum	NOUN
fsr-4057	110	9	(	(	PUNCT
fsr-4057	110	10	narrative	narrative	NOUN
fsr-4057	110	11	complaint	complaint	NOUN
fsr-4057	110	12	data	data	PROPN
fsr-4057	110	13	)	)	PUNCT
fsr-4057	110	14	into	into	ADP
fsr-4057	110	15	quantitative	quantitative	ADJ
fsr-4057	110	16	data	datum	NOUN
fsr-4057	110	17	(	(	PUNCT
fsr-4057	110	18	numbered	number	VERB
fsr-4057	110	19	codes	code	NOUN
fsr-4057	110	20	)	)	PUNCT
fsr-4057	110	21	regarding	regard	VERB
fsr-4057	110	22	categories	category	NOUN
fsr-4057	110	23	and	and	CCONJ
fsr-4057	110	24	domains	domain	NOUN
fsr-4057	110	25	that	that	PRON
fsr-4057	110	26	the	the	DET
fsr-4057	110	27	complainants	complainant	NOUN
fsr-4057	110	28	expressed	express	VERB
fsr-4057	110	29	.	.	PUNCT
fsr-4057	111	1	using	use	VERB
fsr-4057	111	2	the	the	DET
fsr-4057	111	3	integrative	integrative	ADJ
fsr-4057	111	4	consumer	consumer	NOUN
fsr-4057	111	5	vulnerability	vulnerability	NOUN
fsr-4057	111	6	framework	framework	NOUN
fsr-4057	111	7	,	,	PUNCT
fsr-4057	111	8	emotional	emotional	ADJ
fsr-4057	111	9	(	(	PUNCT
fsr-4057	111	10	i.e.	i.e.	X
fsr-4057	111	11	,	,	PUNCT
fsr-4057	111	12	emotions	emotion	NOUN
fsr-4057	111	13	arising	arise	VERB
fsr-4057	111	14	financial	financial	ADJ
fsr-4057	111	15	services	service	NOUN
fsr-4057	111	16	review	review	NOUN
fsr-4057	111	17	,	,	PUNCT
fsr-4057	111	18	33(2	33(2	NUM
fsr-4057	111	19	)	)	PUNCT
fsr-4057	111	20	20	20	NUM
fsr-4057	111	21	from	from	ADP
fsr-4057	111	22	the	the	DET
fsr-4057	111	23	complaints	complaint	NOUN
fsr-4057	111	24	)	)	PUNCT
fsr-4057	111	25	,	,	PUNCT
fsr-4057	111	26	practical	practical	ADJ
fsr-4057	111	27	(	(	PUNCT
fsr-4057	111	28	i.e.	i.e.	X
fsr-4057	111	29	,	,	PUNCT
fsr-4057	111	30	facts	fact	NOUN
fsr-4057	111	31	of	of	ADP
fsr-4057	111	32	the	the	DET
fsr-4057	111	33	complaint	complaint	NOUN
fsr-4057	111	34	)	)	PUNCT
fsr-4057	111	35	,	,	PUNCT
fsr-4057	111	36	and	and	CCONJ
fsr-4057	111	37	relational	relational	ADJ
fsr-4057	111	38	factors	factor	NOUN
fsr-4057	111	39	(	(	PUNCT
fsr-4057	111	40	i.e.	i.e.	X
fsr-4057	111	41	,	,	PUNCT
fsr-4057	111	42	interactions	interaction	NOUN
fsr-4057	111	43	with	with	ADP
fsr-4057	111	44	staff	staff	NOUN
fsr-4057	111	45	)	)	PUNCT
fsr-4057	111	46	were	be	AUX
fsr-4057	111	47	coded	code	VERB
fsr-4057	111	48	.	.	PUNCT
fsr-4057	112	1	discrepancies	discrepancy	NOUN
fsr-4057	112	2	in	in	ADP
fsr-4057	112	3	the	the	DET
fsr-4057	112	4	coding	coding	NOUN
fsr-4057	112	5	of	of	ADP
fsr-4057	112	6	thought	think	VERB
fsr-4057	112	7	domains	domain	NOUN
fsr-4057	112	8	were	be	AUX
fsr-4057	112	9	tracked	track	VERB
fsr-4057	112	10	.	.	PUNCT
fsr-4057	113	1	the	the	DET
fsr-4057	113	2	reliability	reliability	NOUN
fsr-4057	113	3	of	of	ADP
fsr-4057	113	4	the	the	DET
fsr-4057	113	5	coding	coding	NOUN
fsr-4057	113	6	was	be	AUX
fsr-4057	113	7	found	find	VERB
fsr-4057	113	8	to	to	PART
fsr-4057	113	9	be	be	AUX
fsr-4057	113	10	acceptable	acceptable	ADJ
fsr-4057	113	11	for	for	ADP
fsr-4057	113	12	each	each	PRON
fsr-4057	113	13	of	of	ADP
fsr-4057	113	14	the	the	DET
fsr-4057	113	15	metacategories	metacategorie	NOUN
fsr-4057	113	16	,	,	PUNCT
fsr-4057	113	17	with	with	ADP
fsr-4057	113	18	weighted	weighted	PROPN
fsr-4057	113	19	cohen	cohen	PROPN
fsr-4057	113	20	’s	’s	PART
fsr-4057	113	21	kappa	kappa	NOUN
fsr-4057	113	22	of	of	ADP
fsr-4057	113	23	0.60	0.60	NUM
fsr-4057	113	24	for	for	ADP
fsr-4057	113	25	financial	financial	ADJ
fsr-4057	113	26	institution	institution	NOUN
fsr-4057	113	27	problem	problem	NOUN
fsr-4057	113	28	,	,	PUNCT
fsr-4057	113	29	0.56	0.56	NUM
fsr-4057	113	30	for	for	ADP
fsr-4057	113	31	unsatisfactory	unsatisfactory	ADJ
fsr-4057	113	32	customer	customer	NOUN
fsr-4057	113	33	service	service	NOUN
fsr-4057	113	34	,	,	PUNCT
fsr-4057	113	35	0.41	0.41	NUM
fsr-4057	113	36	for	for	ADP
fsr-4057	113	37	financial	financial	ADJ
fsr-4057	113	38	hardship	hardship	NOUN
fsr-4057	113	39	,	,	PUNCT
fsr-4057	113	40	0.39	0.39	NUM
fsr-4057	113	41	for	for	ADP
fsr-4057	113	42	emotional	emotional	ADJ
fsr-4057	113	43	hardship	hardship	NOUN
fsr-4057	113	44	,	,	PUNCT
fsr-4057	113	45	and	and	CCONJ
fsr-4057	113	46	0.49	0.49	NUM
fsr-4057	113	47	for	for	ADP
fsr-4057	113	48	consumer	consumer	NOUN
fsr-4057	113	49	vulnerability	vulnerability	NOUN
fsr-4057	113	50	.	.	PUNCT
fsr-4057	114	1	in	in	ADP
fsr-4057	114	2	this	this	DET
fsr-4057	114	3	study	study	NOUN
fsr-4057	114	4	,	,	PUNCT
fsr-4057	114	5	weighted	weight	VERB
fsr-4057	114	6	cohen	cohen	PROPN
fsr-4057	114	7	’s	’s	PART
fsr-4057	114	8	kappa	kappa	PROPN
fsr-4057	114	9	,	,	PUNCT
fsr-4057	114	10	which	which	PRON
fsr-4057	114	11	accounts	account	VERB
fsr-4057	114	12	for	for	ADP
fsr-4057	114	13	varying	vary	VERB
fsr-4057	114	14	degrees	degree	NOUN
fsr-4057	114	15	of	of	ADP
fsr-4057	114	16	disagreement	disagreement	NOUN
fsr-4057	114	17	,	,	PUNCT
fsr-4057	114	18	was	be	AUX
fsr-4057	114	19	calculated	calculate	VERB
fsr-4057	114	20	using	use	VERB
fsr-4057	114	21	a	a	DET
fsr-4057	114	22	percentage	percentage	NOUN
fsr-4057	114	23	of	of	ADP
fsr-4057	114	24	agreement	agreement	NOUN
fsr-4057	114	25	method	method	NOUN
fsr-4057	114	26	.	.	PUNCT
fsr-4057	115	1	zero	zero	NUM
fsr-4057	115	2	represented	represent	VERB
fsr-4057	115	3	complete	complete	ADJ
fsr-4057	115	4	agreement	agreement	NOUN
fsr-4057	115	5	,	,	PUNCT
fsr-4057	115	6	and	and	CCONJ
fsr-4057	115	7	partial	partial	ADJ
fsr-4057	115	8	agreement	agreement	NOUN
fsr-4057	115	9	was	be	AUX
fsr-4057	115	10	assigned	assign	VERB
fsr-4057	115	11	a	a	DET
fsr-4057	115	12	percentage	percentage	NOUN
fsr-4057	115	13	value	value	NOUN
fsr-4057	115	14	.	.	PUNCT
fsr-4057	116	1	the	the	DET
fsr-4057	116	2	observed	observe	VERB
fsr-4057	116	3	agreement	agreement	NOUN
fsr-4057	116	4	(	(	PUNCT
fsr-4057	116	5	po	po	NOUN
fsr-4057	116	6	)	)	PUNCT
fsr-4057	116	7	was	be	AUX
fsr-4057	116	8	calculated	calculate	VERB
fsr-4057	116	9	considering	consider	VERB
fsr-4057	116	10	these	these	DET
fsr-4057	116	11	weights	weight	NOUN
fsr-4057	116	12	,	,	PUNCT
fsr-4057	116	13	and	and	CCONJ
fsr-4057	116	14	the	the	DET
fsr-4057	116	15	expected	expect	VERB
fsr-4057	116	16	agreement	agreement	NOUN
fsr-4057	116	17	(	(	PUNCT
fsr-4057	116	18	pe	pe	INTJ
fsr-4057	116	19	)	)	PUNCT
fsr-4057	116	20	was	be	AUX
fsr-4057	116	21	derived	derive	VERB
fsr-4057	116	22	from	from	ADP
fsr-4057	116	23	the	the	DET
fsr-4057	116	24	marginal	marginal	ADJ
fsr-4057	116	25	totals	total	NOUN
fsr-4057	116	26	.	.	PUNCT
fsr-4057	117	1	the	the	DET
fsr-4057	117	2	final	final	ADJ
fsr-4057	117	3	kappa	kappa	ADJ
fsr-4057	117	4	values	value	NOUN
fsr-4057	117	5	were	be	AUX
fsr-4057	117	6	then	then	ADV
fsr-4057	117	7	computed	compute	VERB
fsr-4057	117	8	using	use	VERB
fsr-4057	117	9	the	the	DET
fsr-4057	117	10	standard	standard	ADJ
fsr-4057	117	11	formula	formula	NOUN
fsr-4057	117	12	(	(	PUNCT
fsr-4057	117	13	cohen	cohen	NOUN
fsr-4057	117	14	,	,	PUNCT
fsr-4057	117	15	1968	1968	NUM
fsr-4057	117	16	)	)	PUNCT
fsr-4057	117	17	.	.	PUNCT
fsr-4057	118	1	data	datum	NOUN
fsr-4057	118	2	since	since	SCONJ
fsr-4057	118	3	2011	2011	NUM
fsr-4057	118	4	,	,	PUNCT
fsr-4057	118	5	the	the	DET
fsr-4057	118	6	cfpb	cfpb	NOUN
fsr-4057	118	7	consumer	consumer	NOUN
fsr-4057	118	8	complaint	complaint	NOUN
fsr-4057	118	9	database	database	NOUN
fsr-4057	118	10	has	have	AUX
fsr-4057	118	11	received	receive	VERB
fsr-4057	118	12	over	over	ADP
fsr-4057	118	13	four	four	NUM
fsr-4057	118	14	million	million	NUM
fsr-4057	118	15	complaints	complaint	NOUN
fsr-4057	118	16	online	online	ADV
fsr-4057	118	17	or	or	CCONJ
fsr-4057	118	18	over	over	ADP
fsr-4057	118	19	the	the	DET
fsr-4057	118	20	telephone	telephone	NOUN
fsr-4057	118	21	(	(	PUNCT
fsr-4057	118	22	cfpb	cfpb	NOUN
fsr-4057	118	23	,	,	PUNCT
fsr-4057	118	24	n.d.-b	n.d.-b	NOUN
fsr-4057	118	25	)	)	PUNCT
fsr-4057	118	26	.	.	PUNCT
fsr-4057	119	1	the	the	DET
fsr-4057	119	2	cfpb	cfpb	ADJ
fsr-4057	119	3	first	first	ADJ
fsr-4057	119	4	routes	route	NOUN
fsr-4057	119	5	consumer	consumer	NOUN
fsr-4057	119	6	complaints	complaint	NOUN
fsr-4057	119	7	to	to	ADP
fsr-4057	119	8	the	the	DET
fsr-4057	119	9	relevant	relevant	ADJ
fsr-4057	119	10	financial	financial	ADJ
fsr-4057	119	11	services	service	NOUN
fsr-4057	119	12	company	company	NOUN
fsr-4057	119	13	for	for	ADP
fsr-4057	119	14	review	review	NOUN
fsr-4057	119	15	.	.	PUNCT
fsr-4057	120	1	the	the	DET
fsr-4057	120	2	company	company	NOUN
fsr-4057	120	3	then	then	ADV
fsr-4057	120	4	has	have	VERB
fsr-4057	120	5	a	a	DET
fsr-4057	120	6	period	period	NOUN
fsr-4057	120	7	of	of	ADP
fsr-4057	120	8	time	time	NOUN
fsr-4057	120	9	to	to	PART
fsr-4057	120	10	respond	respond	VERB
fsr-4057	120	11	to	to	ADP
fsr-4057	120	12	the	the	DET
fsr-4057	120	13	issue	issue	NOUN
fsr-4057	120	14	,	,	PUNCT
fsr-4057	120	15	communicating	communicate	VERB
fsr-4057	120	16	with	with	ADP
fsr-4057	120	17	the	the	DET
fsr-4057	120	18	complainant	complainant	NOUN
fsr-4057	120	19	as	as	SCONJ
fsr-4057	120	20	needed	need	VERB
fsr-4057	120	21	,	,	PUNCT
fsr-4057	120	22	and	and	CCONJ
fsr-4057	120	23	the	the	DET
fsr-4057	120	24	cfpb	cfpb	NOUN
fsr-4057	120	25	keeps	keep	VERB
fsr-4057	120	26	the	the	DET
fsr-4057	120	27	complainant	complainant	NOUN
fsr-4057	120	28	updated	update	VERB
fsr-4057	120	29	on	on	ADP
fsr-4057	120	30	the	the	DET
fsr-4057	120	31	company	company	NOUN
fsr-4057	120	32	's	's	PART
fsr-4057	120	33	response	response	NOUN
fsr-4057	120	34	.	.	PUNCT
fsr-4057	121	1	the	the	DET
fsr-4057	121	2	complainant	complainant	NOUN
fsr-4057	121	3	also	also	ADV
fsr-4057	121	4	has	have	VERB
fsr-4057	121	5	a	a	DET
fsr-4057	121	6	chance	chance	NOUN
fsr-4057	121	7	to	to	PART
fsr-4057	121	8	give	give	VERB
fsr-4057	121	9	feedback	feedback	NOUN
fsr-4057	121	10	on	on	ADP
fsr-4057	121	11	the	the	DET
fsr-4057	121	12	company	company	NOUN
fsr-4057	121	13	's	's	PART
fsr-4057	121	14	response	response	NOUN
fsr-4057	121	15	(	(	PUNCT
fsr-4057	121	16	cfpb	cfpb	NOUN
fsr-4057	121	17	,	,	PUNCT
fsr-4057	121	18	n.d.-c	n.d.-c	NOUN
fsr-4057	121	19	)	)	PUNCT
fsr-4057	121	20	.	.	PUNCT
fsr-4057	122	1	with	with	ADP
fsr-4057	122	2	the	the	DET
fsr-4057	122	3	consumer	consumer	NOUN
fsr-4057	122	4	's	's	PART
fsr-4057	122	5	permission	permission	NOUN
fsr-4057	122	6	,	,	PUNCT
fsr-4057	122	7	the	the	DET
fsr-4057	122	8	cfpb	cfpb	NOUN
fsr-4057	122	9	publishes	publish	VERB
fsr-4057	122	10	complaints	complaint	NOUN
fsr-4057	122	11	against	against	ADP
fsr-4057	122	12	large	large	ADJ
fsr-4057	122	13	financial	financial	ADJ
fsr-4057	122	14	services	service	NOUN
fsr-4057	122	15	providers	provider	NOUN
fsr-4057	122	16	(	(	PUNCT
fsr-4057	122	17	i.e.	i.e.	X
fsr-4057	122	18	,	,	PUNCT
fsr-4057	122	19	over	over	ADP
fsr-4057	122	20	$	$	SYM
fsr-4057	122	21	10	10	NUM
fsr-4057	122	22	billion	billion	NUM
fsr-4057	122	23	in	in	ADP
fsr-4057	122	24	assets	asset	NOUN
fsr-4057	122	25	)	)	PUNCT
fsr-4057	122	26	in	in	ADP
fsr-4057	122	27	the	the	DET
fsr-4057	122	28	consumer	consumer	NOUN
fsr-4057	122	29	complaint	complaint	NOUN
fsr-4057	122	30	database	database	NOUN
fsr-4057	122	31	,	,	PUNCT
fsr-4057	122	32	which	which	PRON
fsr-4057	122	33	is	be	AUX
fsr-4057	122	34	publicly	publicly	ADV
fsr-4057	122	35	available	available	ADJ
fsr-4057	122	36	on	on	ADP
fsr-4057	122	37	their	their	PRON
fsr-4057	122	38	website	website	NOUN
fsr-4057	122	39	,	,	PUNCT
fsr-4057	122	40	while	while	SCONJ
fsr-4057	122	41	complaints	complaint	NOUN
fsr-4057	122	42	about	about	ADP
fsr-4057	122	43	smaller	small	ADJ
fsr-4057	122	44	financial	financial	ADJ
fsr-4057	122	45	institutions	institution	NOUN
fsr-4057	122	46	are	be	AUX
fsr-4057	122	47	sent	send	VERB
fsr-4057	122	48	directly	directly	ADV
fsr-4057	122	49	to	to	ADP
fsr-4057	122	50	their	their	PRON
fsr-4057	122	51	regulators	regulator	NOUN
fsr-4057	122	52	.	.	PUNCT
fsr-4057	123	1	in	in	ADP
fsr-4057	123	2	addition	addition	NOUN
fsr-4057	123	3	,	,	PUNCT
fsr-4057	123	4	only	only	ADV
fsr-4057	123	5	complaints	complaint	NOUN
fsr-4057	123	6	for	for	ADP
fsr-4057	123	7	which	which	PRON
fsr-4057	123	8	the	the	DET
fsr-4057	123	9	financial	financial	ADJ
fsr-4057	123	10	institution	institution	NOUN
fsr-4057	123	11	acknowledges	acknowledge	VERB
fsr-4057	123	12	that	that	SCONJ
fsr-4057	123	13	the	the	DET
fsr-4057	123	14	complainant	complainant	NOUN
fsr-4057	123	15	is	be	AUX
fsr-4057	123	16	or	or	CCONJ
fsr-4057	123	17	was	be	AUX
fsr-4057	123	18	a	a	DET
fsr-4057	123	19	customer	customer	NOUN
fsr-4057	123	20	are	be	AUX
fsr-4057	123	21	included	include	VERB
fsr-4057	123	22	.	.	PUNCT
fsr-4057	124	1	complaints	complaint	NOUN
fsr-4057	124	2	do	do	AUX
fsr-4057	124	3	not	not	PART
fsr-4057	124	4	appear	appear	VERB
fsr-4057	124	5	in	in	ADP
fsr-4057	124	6	the	the	DET
fsr-4057	124	7	dataset	dataset	NOUN
fsr-4057	124	8	until	until	SCONJ
fsr-4057	124	9	they	they	PRON
fsr-4057	124	10	are	be	AUX
fsr-4057	124	11	resolved	resolve	VERB
fsr-4057	124	12	in	in	ADP
fsr-4057	124	13	some	some	DET
fsr-4057	124	14	manner	manner	NOUN
fsr-4057	124	15	(	(	PUNCT
fsr-4057	124	16	e.g.	e.g.	ADV
fsr-4057	124	17	,	,	PUNCT
fsr-4057	124	18	communicated	communicate	VERB
fsr-4057	124	19	with	with	ADP
fsr-4057	124	20	the	the	DET
fsr-4057	124	21	customer	customer	NOUN
fsr-4057	124	22	,	,	PUNCT
fsr-4057	124	23	or	or	CCONJ
fsr-4057	124	24	provided	provide	VERB
fsr-4057	124	25	non	non	ADJ
fsr-4057	124	26	-	-	ADJ
fsr-4057	124	27	monetary	monetary	ADJ
fsr-4057	124	28	or	or	CCONJ
fsr-4057	124	29	monetary	monetary	ADJ
fsr-4057	124	30	relief	relief	NOUN
fsr-4057	124	31	)	)	PUNCT
fsr-4057	124	32	.	.	PUNCT
fsr-4057	125	1	consumer	consumer	NOUN
fsr-4057	125	2	complaints	complaint	NOUN
fsr-4057	125	3	address	address	VERB
fsr-4057	125	4	a	a	DET
fsr-4057	125	5	variety	variety	NOUN
fsr-4057	125	6	of	of	ADP
fsr-4057	125	7	products	product	NOUN
fsr-4057	125	8	in	in	ADP
fsr-4057	125	9	the	the	DET
fsr-4057	125	10	financial	financial	ADJ
fsr-4057	125	11	services	service	NOUN
fsr-4057	125	12	industry	industry	NOUN
fsr-4057	125	13	,	,	PUNCT
fsr-4057	125	14	including	include	VERB
fsr-4057	125	15	credit	credit	NOUN
fsr-4057	125	16	reporting	reporting	NOUN
fsr-4057	125	17	;	;	PUNCT
fsr-4057	125	18	debt	debt	NOUN
fsr-4057	125	19	collection	collection	NOUN
fsr-4057	125	20	;	;	PUNCT
fsr-4057	125	21	checking	check	VERB
fsr-4057	125	22	or	or	CCONJ
fsr-4057	125	23	savings	savings	NOUN
fsr-4057	125	24	accounts	account	NOUN
fsr-4057	125	25	(	(	PUNCT
fsr-4057	125	26	cfpb	cfpb	NOUN
fsr-4057	125	27	,	,	PUNCT
fsr-4057	125	28	n.d.-b	n.d.-b	NOUN
fsr-4057	125	29	)	)	PUNCT
fsr-4057	125	30	.	.	PUNCT
fsr-4057	126	1	the	the	DET
fsr-4057	126	2	cfpb	cfpb	NOUN
fsr-4057	126	3	categorizes	categorize	VERB
fsr-4057	126	4	each	each	DET
fsr-4057	126	5	complaint	complaint	NOUN
fsr-4057	126	6	according	accord	VERB
fsr-4057	126	7	to	to	ADP
fsr-4057	126	8	a	a	DET
fsr-4057	126	9	product	product	NOUN
fsr-4057	126	10	,	,	PUNCT
fsr-4057	126	11	sub	sub	NOUN
fsr-4057	126	12	-	-	NOUN
fsr-4057	126	13	product	product	NOUN
fsr-4057	126	14	,	,	PUNCT
fsr-4057	126	15	issue	issue	NOUN
fsr-4057	126	16	,	,	PUNCT
fsr-4057	126	17	and	and	CCONJ
fsr-4057	126	18	sub	sub	NOUN
fsr-4057	126	19	-	-	NOUN
fsr-4057	126	20	issue	issue	NOUN
fsr-4057	126	21	,	,	PUNCT
fsr-4057	126	22	along	along	ADP
fsr-4057	126	23	with	with	ADP
fsr-4057	126	24	the	the	DET
fsr-4057	126	25	date	date	NOUN
fsr-4057	126	26	the	the	DET
fsr-4057	126	27	complaint	complaint	NOUN
fsr-4057	126	28	was	be	AUX
fsr-4057	126	29	received	receive	VERB
fsr-4057	126	30	,	,	PUNCT
fsr-4057	126	31	the	the	DET
fsr-4057	126	32	state	state	NOUN
fsr-4057	126	33	,	,	PUNCT
fsr-4057	126	34	and	and	CCONJ
fsr-4057	126	35	the	the	DET
fsr-4057	126	36	zip	zip	NOUN
fsr-4057	126	37	code	code	NOUN
fsr-4057	126	38	.	.	PUNCT
fsr-4057	127	1	in	in	ADP
fsr-4057	127	2	addition	addition	NOUN
fsr-4057	127	3	,	,	PUNCT
fsr-4057	127	4	the	the	DET
fsr-4057	127	5	original	original	ADJ
fsr-4057	127	6	brief	brief	ADJ
fsr-4057	127	7	narrative	narrative	NOUN
fsr-4057	127	8	summary	summary	NOUN
fsr-4057	127	9	of	of	ADP
fsr-4057	127	10	the	the	DET
fsr-4057	127	11	complaint	complaint	NOUN
fsr-4057	127	12	(	(	PUNCT
fsr-4057	127	13	in	in	ADP
fsr-4057	127	14	the	the	DET
fsr-4057	127	15	complainant	complainant	NOUN
fsr-4057	127	16	’s	’s	PART
fsr-4057	127	17	own	own	ADJ
fsr-4057	127	18	words	word	NOUN
fsr-4057	127	19	)	)	PUNCT
fsr-4057	127	20	,	,	PUNCT
fsr-4057	127	21	and	and	CCONJ
fsr-4057	127	22	whether	whether	SCONJ
fsr-4057	127	23	the	the	DET
fsr-4057	127	24	company	company	NOUN
fsr-4057	127	25	provided	provide	VERB
fsr-4057	127	26	a	a	DET
fsr-4057	127	27	response	response	NOUN
fsr-4057	127	28	,	,	PUNCT
fsr-4057	127	29	is	be	AUX
fsr-4057	127	30	included	include	VERB
fsr-4057	127	31	.	.	PUNCT
fsr-4057	128	1	the	the	DET
fsr-4057	128	2	cfpb	cfpb	NOUN
fsr-4057	128	3	does	do	AUX
fsr-4057	128	4	not	not	PART
fsr-4057	128	5	provide	provide	VERB
fsr-4057	128	6	any	any	DET
fsr-4057	128	7	information	information	NOUN
fsr-4057	128	8	about	about	ADP
fsr-4057	128	9	customer	customer	NOUN
fsr-4057	128	10	service	service	NOUN
fsr-4057	128	11	,	,	PUNCT
fsr-4057	128	12	financial	financial	ADJ
fsr-4057	128	13	hardship	hardship	NOUN
fsr-4057	128	14	,	,	PUNCT
fsr-4057	128	15	or	or	CCONJ
fsr-4057	128	16	emotional	emotional	ADJ
fsr-4057	128	17	hardship	hardship	NOUN
fsr-4057	128	18	.	.	PUNCT
fsr-4057	129	1	while	while	SCONJ
fsr-4057	129	2	the	the	DET
fsr-4057	129	3	data	data	NOUN
fsr-4057	129	4	is	be	AUX
fsr-4057	129	5	not	not	PART
fsr-4057	129	6	representative	representative	ADJ
fsr-4057	129	7	of	of	ADP
fsr-4057	129	8	or	or	CCONJ
fsr-4057	129	9	generalizable	generalizable	ADJ
fsr-4057	129	10	to	to	ADP
fsr-4057	129	11	the	the	DET
fsr-4057	129	12	entire	entire	ADJ
fsr-4057	129	13	american	american	ADJ
fsr-4057	129	14	population	population	NOUN
fsr-4057	129	15	,	,	PUNCT
fsr-4057	129	16	the	the	DET
fsr-4057	129	17	bank	bank	NOUN
fsr-4057	129	18	account	account	NOUN
fsr-4057	129	19	challenges	challenge	NOUN
fsr-4057	129	20	reported	report	VERB
fsr-4057	129	21	within	within	ADP
fsr-4057	129	22	are	be	AUX
fsr-4057	129	23	likely	likely	ADJ
fsr-4057	129	24	an	an	DET
fsr-4057	129	25	underestimate	underestimate	NOUN
fsr-4057	129	26	of	of	ADP
fsr-4057	129	27	the	the	DET
fsr-4057	129	28	problems	problem	NOUN
fsr-4057	129	29	,	,	PUNCT
fsr-4057	129	30	given	give	VERB
fsr-4057	129	31	that	that	SCONJ
fsr-4057	129	32	individual	individual	ADJ
fsr-4057	129	33	challenges	challenge	NOUN
fsr-4057	129	34	may	may	AUX
fsr-4057	129	35	be	be	AUX
fsr-4057	129	36	resolved	resolve	VERB
fsr-4057	129	37	after	after	ADP
fsr-4057	129	38	contact	contact	NOUN
fsr-4057	129	39	with	with	ADP
fsr-4057	129	40	the	the	DET
fsr-4057	129	41	financial	financial	ADJ
fsr-4057	129	42	institution	institution	NOUN
fsr-4057	129	43	;	;	PUNCT
fsr-4057	129	44	the	the	DET
fsr-4057	129	45	individual	individual	NOUN
fsr-4057	129	46	may	may	AUX
fsr-4057	129	47	give	give	VERB
fsr-4057	129	48	up	up	ADP
fsr-4057	129	49	after	after	ADP
fsr-4057	129	50	contact	contact	NOUN
fsr-4057	129	51	does	do	AUX
fsr-4057	129	52	not	not	PART
fsr-4057	129	53	result	result	VERB
fsr-4057	129	54	in	in	ADP
fsr-4057	129	55	a	a	DET
fsr-4057	129	56	resolution	resolution	NOUN
fsr-4057	129	57	;	;	PUNCT
fsr-4057	129	58	and	and	CCONJ
fsr-4057	129	59	not	not	PART
fsr-4057	129	60	everyone	everyone	PRON
fsr-4057	129	61	with	with	ADP
fsr-4057	129	62	a	a	DET
fsr-4057	129	63	challenge	challenge	NOUN
fsr-4057	129	64	will	will	AUX
fsr-4057	129	65	submit	submit	VERB
fsr-4057	129	66	a	a	DET
fsr-4057	129	67	complaint	complaint	NOUN
fsr-4057	129	68	(	(	PUNCT
fsr-4057	129	69	friedline	friedline	PROPN
fsr-4057	129	70	&	&	CCONJ
fsr-4057	129	71	pawar	pawar	PROPN
fsr-4057	129	72	,	,	PUNCT
fsr-4057	129	73	2023	2023	NUM
fsr-4057	129	74	)	)	PUNCT
fsr-4057	129	75	.	.	PUNCT
fsr-4057	130	1	the	the	DET
fsr-4057	130	2	complaints	complaint	NOUN
fsr-4057	130	3	can	can	AUX
fsr-4057	130	4	reveal	reveal	VERB
fsr-4057	130	5	the	the	DET
fsr-4057	130	6	consumer	consumer	NOUN
fsr-4057	130	7	’s	’s	PART
fsr-4057	130	8	perspective	perspective	NOUN
fsr-4057	130	9	on	on	ADP
fsr-4057	130	10	harmful	harmful	ADJ
fsr-4057	130	11	,	,	PUNCT
fsr-4057	130	12	unethical	unethical	ADJ
fsr-4057	130	13	,	,	PUNCT
fsr-4057	130	14	and/or	and/or	CCONJ
fsr-4057	130	15	illegal	illegal	ADJ
fsr-4057	130	16	corporate	corporate	ADJ
fsr-4057	130	17	activities	activity	NOUN
fsr-4057	130	18	,	,	PUNCT
fsr-4057	130	19	and	and	CCONJ
fsr-4057	130	20	provide	provide	VERB
fsr-4057	130	21	insight	insight	NOUN
fsr-4057	130	22	into	into	ADP
fsr-4057	130	23	potential	potential	ADJ
fsr-4057	130	24	thematic	thematic	ADJ
fsr-4057	130	25	or	or	CCONJ
fsr-4057	130	26	systemic	systemic	ADJ
fsr-4057	130	27	failures	failure	NOUN
fsr-4057	130	28	,	,	PUNCT
fsr-4057	130	29	mistreatment	mistreatment	NOUN
fsr-4057	130	30	,	,	PUNCT
fsr-4057	130	31	discrimination	discrimination	NOUN
fsr-4057	130	32	,	,	PUNCT
fsr-4057	130	33	and	and	CCONJ
fsr-4057	130	34	abusive	abusive	ADJ
fsr-4057	130	35	policies	policy	NOUN
fsr-4057	130	36	and	and	CCONJ
fsr-4057	130	37	practices	practice	NOUN
fsr-4057	130	38	.	.	PUNCT
fsr-4057	131	1	study	study	NOUN
fsr-4057	131	2	sample	sample	NOUN
fsr-4057	131	3	for	for	ADP
fsr-4057	131	4	this	this	DET
fsr-4057	131	5	study	study	NOUN
fsr-4057	131	6	,	,	PUNCT
fsr-4057	131	7	data	data	NOUN
fsr-4057	131	8	filters	filter	NOUN
fsr-4057	131	9	were	be	AUX
fsr-4057	131	10	applied	apply	VERB
fsr-4057	131	11	to	to	PART
fsr-4057	131	12	narrow	narrow	VERB
fsr-4057	131	13	the	the	DET
fsr-4057	131	14	millions	million	NOUN
fsr-4057	131	15	of	of	ADP
fsr-4057	131	16	data	datum	NOUN
fsr-4057	131	17	records	record	NOUN
fsr-4057	131	18	to	to	ADP
fsr-4057	131	19	specific	specific	ADJ
fsr-4057	131	20	financial	financial	ADJ
fsr-4057	131	21	services	service	NOUN
fsr-4057	131	22	categories	category	NOUN
fsr-4057	131	23	,	,	PUNCT
fsr-4057	131	24	specific	specific	ADJ
fsr-4057	131	25	consumer	consumer	NOUN
fsr-4057	131	26	issues	issue	NOUN
fsr-4057	131	27	,	,	PUNCT
fsr-4057	131	28	and	and	CCONJ
fsr-4057	131	29	specific	specific	ADJ
fsr-4057	131	30	years	year	NOUN
fsr-4057	131	31	.	.	PUNCT
fsr-4057	132	1	complaint	complaint	NOUN
fsr-4057	132	2	data	datum	NOUN
fsr-4057	132	3	from	from	ADP
fsr-4057	132	4	the	the	DET
fsr-4057	132	5	cfpb	cfpb	NOUN
fsr-4057	132	6	from	from	ADP
fsr-4057	132	7	august	august	PROPN
fsr-4057	132	8	24	24	NUM
fsr-4057	132	9	,	,	PUNCT
fsr-4057	132	10	2022	2022	NUM
fsr-4057	132	11	to	to	ADP
fsr-4057	132	12	august	august	PROPN
fsr-4057	132	13	25	25	NUM
fsr-4057	132	14	,	,	PUNCT
fsr-4057	132	15	2023	2023	NUM
fsr-4057	132	16	were	be	AUX
fsr-4057	132	17	downloaded	download	VERB
fsr-4057	132	18	(	(	PUNCT
fsr-4057	132	19	n=12,468	n=12,468	PROPN
fsr-4057	132	20	records	record	NOUN
fsr-4057	132	21	)	)	PUNCT
fsr-4057	132	22	.	.	PUNCT
fsr-4057	133	1	the	the	DET
fsr-4057	133	2	present	present	ADJ
fsr-4057	133	3	study	study	NOUN
fsr-4057	133	4	's	's	PART
fsr-4057	133	5	dataset	dataset	NOUN
fsr-4057	133	6	was	be	AUX
fsr-4057	133	7	created	create	VERB
fsr-4057	133	8	by	by	ADP
fsr-4057	133	9	using	use	VERB
fsr-4057	133	10	the	the	DET
fsr-4057	133	11	filters	filter	NOUN
fsr-4057	133	12	of	of	ADP
fsr-4057	133	13	“	"	PUNCT
fsr-4057	133	14	checking	check	VERB
fsr-4057	133	15	and	and	CCONJ
fsr-4057	133	16	savings	saving	NOUN
fsr-4057	133	17	accounts	account	NOUN
fsr-4057	133	18	”	"	PUNCT
fsr-4057	133	19	and	and	CCONJ
fsr-4057	133	20	“	"	PUNCT
fsr-4057	133	21	complaints	complaint	NOUN
fsr-4057	133	22	with	with	ADP
fsr-4057	133	23	a	a	DET
fsr-4057	133	24	narrative	narrative	NOUN
fsr-4057	133	25	and	and	CCONJ
fsr-4057	133	26	consent	consent	NOUN
fsr-4057	133	27	to	to	PART
fsr-4057	133	28	be	be	AUX
fsr-4057	133	29	used	use	VERB
fsr-4057	133	30	in	in	ADP
fsr-4057	133	31	the	the	DET
fsr-4057	133	32	public	public	ADJ
fsr-4057	133	33	dataset	dataset	NOUN
fsr-4057	133	34	.	.	PUNCT
fsr-4057	133	35	”	"	PUNCT
fsr-4057	134	1	for	for	ADP
fsr-4057	134	2	the	the	DET
fsr-4057	134	3	sub	sub	NOUN
fsr-4057	134	4	-	-	NOUN
fsr-4057	134	5	issues	issue	NOUN
fsr-4057	134	6	,	,	PUNCT
fsr-4057	134	7	the	the	DET
fsr-4057	134	8	following	follow	VERB
fsr-4057	134	9	filters	filter	NOUN
fsr-4057	134	10	were	be	AUX
fsr-4057	134	11	used	use	VERB
fsr-4057	134	12	:	:	PUNCT
fsr-4057	134	13	managing	manage	VERB
fsr-4057	134	14	an	an	DET
fsr-4057	134	15	account	account	NOUN
fsr-4057	134	16	;	;	PUNCT
fsr-4057	134	17	closing	close	VERB
fsr-4057	134	18	an	an	DET
fsr-4057	134	19	account	account	NOUN
fsr-4057	134	20	;	;	PUNCT
fsr-4057	134	21	problem	problem	NOUN
fsr-4057	134	22	with	with	ADP
fsr-4057	134	23	lender	lender	NOUN
fsr-4057	134	24	or	or	CCONJ
fsr-4057	134	25	another	another	DET
fsr-4057	134	26	company	company	NOUN
fsr-4057	134	27	charging	charge	VERB
fsr-4057	134	28	your	your	PRON
fsr-4057	134	29	account	account	NOUN
fsr-4057	134	30	;	;	PUNCT
fsr-4057	134	31	opening	open	VERB
fsr-4057	134	32	an	an	DET
fsr-4057	134	33	account	account	NOUN
fsr-4057	134	34	;	;	PUNCT
fsr-4057	134	35	problem	problem	NOUN
fsr-4057	134	36	caused	cause	VERB
fsr-4057	134	37	by	by	ADP
fsr-4057	134	38	your	your	PRON
fsr-4057	134	39	funds	fund	NOUN
fsr-4057	134	40	being	be	AUX
fsr-4057	134	41	low	low	ADJ
fsr-4057	134	42	;	;	PUNCT
fsr-4057	134	43	problem	problem	NOUN
fsr-4057	134	44	with	with	ADP
fsr-4057	134	45	fraud	fraud	NOUN
fsr-4057	134	46	alerts	alert	NOUN
fsr-4057	134	47	or	or	CCONJ
fsr-4057	134	48	security	security	NOUN
fsr-4057	134	49	freezes	freeze	NOUN
fsr-4057	134	50	;	;	PUNCT
fsr-4057	134	51	and	and	CCONJ
fsr-4057	134	52	incorrect	incorrect	ADJ
fsr-4057	134	53	information	information	NOUN
fsr-4057	134	54	on	on	ADP
fsr-4057	134	55	your	your	PRON
fsr-4057	134	56	report	report	NOUN
fsr-4057	134	57	.	.	PUNCT
fsr-4057	135	1	the	the	DET
fsr-4057	135	2	dataset	dataset	NOUN
fsr-4057	135	3	included	include	VERB
fsr-4057	135	4	all	all	DET
fsr-4057	135	5	public	public	ADJ
fsr-4057	135	6	responses	response	NOUN
fsr-4057	135	7	from	from	ADP
fsr-4057	135	8	the	the	DET
fsr-4057	135	9	company	company	NOUN
fsr-4057	135	10	.	.	PUNCT
fsr-4057	136	1	the	the	DET
fsr-4057	136	2	researchers	researcher	NOUN
fsr-4057	136	3	sought	seek	VERB
fsr-4057	136	4	a	a	DET
fsr-4057	136	5	sample	sample	NOUN
fsr-4057	136	6	size	size	NOUN
fsr-4057	136	7	that	that	PRON
fsr-4057	136	8	balanced	balanced	ADJ
fsr-4057	136	9	efficiency	efficiency	NOUN
fsr-4057	136	10	and	and	CCONJ
fsr-4057	136	11	representativeness	representativenes	VERB
fsr-4057	136	12	with	with	ADP
fsr-4057	136	13	sufficient	sufficient	ADJ
fsr-4057	136	14	data	datum	NOUN
fsr-4057	136	15	to	to	PART
fsr-4057	136	16	draw	draw	VERB
fsr-4057	136	17	birkenmaier	birkenmaier	NOUN
fsr-4057	136	18	&	&	CCONJ
fsr-4057	136	19	stratman	stratman	PROPN
fsr-4057	136	20	21	21	NUM
fsr-4057	136	21	meaningful	meaningful	ADJ
fsr-4057	136	22	conclusions	conclusion	NOUN
fsr-4057	136	23	.	.	PUNCT
fsr-4057	137	1	the	the	DET
fsr-4057	137	2	complaints	complaint	NOUN
fsr-4057	137	3	were	be	AUX
fsr-4057	137	4	not	not	PART
fsr-4057	137	5	listed	list	VERB
fsr-4057	137	6	in	in	ADP
fsr-4057	137	7	the	the	DET
fsr-4057	137	8	dataset	dataset	NOUN
fsr-4057	137	9	in	in	ADP
fsr-4057	137	10	any	any	DET
fsr-4057	137	11	type	type	NOUN
fsr-4057	137	12	of	of	ADP
fsr-4057	137	13	order	order	NOUN
fsr-4057	137	14	,	,	PUNCT
fsr-4057	137	15	including	include	VERB
fsr-4057	137	16	by	by	ADP
fsr-4057	137	17	date	date	NOUN
fsr-4057	137	18	submitted	submit	VERB
fsr-4057	137	19	.	.	PUNCT
fsr-4057	138	1	therefore	therefore	ADV
fsr-4057	138	2	,	,	PUNCT
fsr-4057	138	3	a	a	DET
fsr-4057	138	4	systematic	systematic	ADJ
fsr-4057	138	5	sample	sample	NOUN
fsr-4057	138	6	of	of	ADP
fsr-4057	138	7	20	20	NUM
fsr-4057	138	8	%	%	NOUN
fsr-4057	138	9	of	of	ADP
fsr-4057	138	10	the	the	DET
fsr-4057	138	11	dataset	dataset	NOUN
fsr-4057	138	12	was	be	AUX
fsr-4057	138	13	examined	examine	VERB
fsr-4057	138	14	by	by	ADP
fsr-4057	138	15	selecting	select	VERB
fsr-4057	138	16	every	every	DET
fsr-4057	138	17	5th	5th	ADJ
fsr-4057	138	18	complaint	complaint	NOUN
fsr-4057	138	19	,	,	PUNCT
fsr-4057	138	20	starting	start	VERB
fsr-4057	138	21	with	with	ADP
fsr-4057	138	22	the	the	DET
fsr-4057	138	23	first	first	ADJ
fsr-4057	138	24	listed	list	VERB
fsr-4057	138	25	complaint	complaint	NOUN
fsr-4057	138	26	,	,	PUNCT
fsr-4057	138	27	for	for	ADP
fsr-4057	138	28	a	a	DET
fsr-4057	138	29	final	final	ADJ
fsr-4057	138	30	analytic	analytic	ADJ
fsr-4057	138	31	dataset	dataset	NOUN
fsr-4057	138	32	of	of	ADP
fsr-4057	138	33	2,493	2,493	NUM
fsr-4057	138	34	records	record	NOUN
fsr-4057	138	35	(	(	PUNCT
fsr-4057	138	36	krippendorff	krippendorff	NOUN
fsr-4057	138	37	,	,	PUNCT
fsr-4057	138	38	2019	2019	NUM
fsr-4057	138	39	)	)	PUNCT
fsr-4057	138	40	.	.	PUNCT
fsr-4057	139	1	complaints	complaint	NOUN
fsr-4057	139	2	that	that	PRON
fsr-4057	139	3	fell	fall	VERB
fsr-4057	139	4	into	into	ADP
fsr-4057	139	5	any	any	PRON
fsr-4057	139	6	of	of	ADP
fsr-4057	139	7	the	the	DET
fsr-4057	139	8	following	follow	VERB
fsr-4057	139	9	categories	category	NOUN
fsr-4057	139	10	were	be	AUX
fsr-4057	139	11	excluded	exclude	VERB
fsr-4057	139	12	:	:	PUNCT
fsr-4057	139	13	no	no	DET
fsr-4057	139	14	financial	financial	ADJ
fsr-4057	139	15	institution	institution	NOUN
fsr-4057	139	16	problem	problem	NOUN
fsr-4057	139	17	,	,	PUNCT
fsr-4057	139	18	related	relate	VERB
fsr-4057	139	19	to	to	ADP
fsr-4057	139	20	a	a	DET
fsr-4057	139	21	business	business	NOUN
fsr-4057	139	22	or	or	CCONJ
fsr-4057	139	23	trust	trust	NOUN
fsr-4057	139	24	account	account	NOUN
fsr-4057	139	25	,	,	PUNCT
fsr-4057	139	26	insufficient	insufficient	ADJ
fsr-4057	139	27	information	information	NOUN
fsr-4057	139	28	,	,	PUNCT
fsr-4057	139	29	no	no	DET
fsr-4057	139	30	current	current	ADJ
fsr-4057	139	31	financial	financial	ADJ
fsr-4057	139	32	institution	institution	NOUN
fsr-4057	139	33	problem	problem	NOUN
fsr-4057	139	34	,	,	PUNCT
fsr-4057	139	35	and	and	CCONJ
fsr-4057	139	36	related	relate	VERB
fsr-4057	139	37	to	to	ADP
fsr-4057	139	38	a	a	DET
fsr-4057	139	39	settlement	settlement	NOUN
fsr-4057	139	40	fund	fund	NOUN
fsr-4057	139	41	.	.	PUNCT
fsr-4057	140	1	the	the	DET
fsr-4057	140	2	analytic	analytic	ADJ
fsr-4057	140	3	sample	sample	NOUN
fsr-4057	140	4	size	size	NOUN
fsr-4057	140	5	of	of	ADP
fsr-4057	140	6	consumer	consumer	NOUN
fsr-4057	140	7	complaints	complaint	NOUN
fsr-4057	140	8	was	be	AUX
fsr-4057	140	9	n=2,030	n=2,030	NOUN
fsr-4057	140	10	.	.	PUNCT
fsr-4057	141	1	complaint	complaint	VERB
fsr-4057	141	2	demographic	demographic	ADJ
fsr-4057	141	3	information	information	NOUN
fsr-4057	141	4	as	as	SCONJ
fsr-4057	141	5	seen	see	VERB
fsr-4057	141	6	in	in	ADP
fsr-4057	141	7	table	table	NOUN
fsr-4057	141	8	1	1	NUM
fsr-4057	141	9	,	,	PUNCT
fsr-4057	141	10	the	the	DET
fsr-4057	141	11	majority	majority	NOUN
fsr-4057	141	12	of	of	ADP
fsr-4057	141	13	the	the	DET
fsr-4057	141	14	complainants	complainant	NOUN
fsr-4057	141	15	were	be	AUX
fsr-4057	141	16	not	not	PART
fsr-4057	141	17	an	an	DET
fsr-4057	141	18	older	old	ADJ
fsr-4057	141	19	adult	adult	NOUN
fsr-4057	141	20	,	,	PUNCT
fsr-4057	141	21	veteran	veteran	NOUN
fsr-4057	141	22	,	,	PUNCT
fsr-4057	141	23	or	or	CCONJ
fsr-4057	141	24	member	member	NOUN
fsr-4057	141	25	of	of	ADP
fsr-4057	141	26	the	the	DET
fsr-4057	141	27	armed	armed	ADJ
fsr-4057	141	28	forces	force	NOUN
fsr-4057	141	29	.	.	PUNCT
fsr-4057	142	1	the	the	DET
fsr-4057	142	2	majority	majority	NOUN
fsr-4057	142	3	of	of	ADP
fsr-4057	142	4	the	the	DET
fsr-4057	142	5	complaints	complaint	NOUN
fsr-4057	142	6	were	be	AUX
fsr-4057	142	7	regarding	regard	VERB
fsr-4057	142	8	checking	check	VERB
fsr-4057	142	9	,	,	PUNCT
fsr-4057	142	10	rather	rather	ADV
fsr-4057	142	11	than	than	ADP
fsr-4057	142	12	savings	saving	NOUN
fsr-4057	142	13	,	,	PUNCT
fsr-4057	142	14	accounts	account	NOUN
fsr-4057	142	15	,	,	PUNCT
fsr-4057	142	16	and	and	CCONJ
fsr-4057	142	17	were	be	AUX
fsr-4057	142	18	related	relate	VERB
fsr-4057	142	19	to	to	ADP
fsr-4057	142	20	national	national	ADJ
fsr-4057	142	21	banks	bank	NOUN
fsr-4057	142	22	and	and	CCONJ
fsr-4057	142	23	credit	credit	NOUN
fsr-4057	142	24	unions	union	NOUN
fsr-4057	142	25	.	.	PUNCT
fsr-4057	143	1	fifty	fifty	NUM
fsr-4057	143	2	-	-	PUNCT
fsr-4057	143	3	eight	eight	NUM
fsr-4057	143	4	different	different	ADJ
fsr-4057	143	5	institutions	institution	NOUN
fsr-4057	143	6	were	be	AUX
fsr-4057	143	7	the	the	DET
fsr-4057	143	8	subject	subject	NOUN
fsr-4057	143	9	of	of	ADP
fsr-4057	143	10	complaints	complaint	NOUN
fsr-4057	143	11	.	.	PUNCT
fsr-4057	144	1	table	table	NOUN
fsr-4057	144	2	1	1	NUM
fsr-4057	144	3	.	.	PUNCT
fsr-4057	145	1	complaint	complaint	VERB
fsr-4057	145	2	demographic	demographic	ADJ
fsr-4057	145	3	information	information	NOUN
fsr-4057	145	4	category	category	NOUN
fsr-4057	145	5	n	n	PRON
fsr-4057	145	6	%	%	NOUN
fsr-4057	145	7	of	of	ADP
fsr-4057	145	8	complaints	complaint	NOUN
fsr-4057	145	9	demographic	demographic	ADJ
fsr-4057	145	10	none	none	NOUN
fsr-4057	145	11	1,617	1,617	NUM
fsr-4057	145	12	79.65	79.65	NUM
fsr-4057	145	13	older	old	ADJ
fsr-4057	145	14	american	american	ADJ
fsr-4057	145	15	145	145	NUM
fsr-4057	145	16	7.15	7.15	NUM
fsr-4057	145	17	armed	armed	ADJ
fsr-4057	145	18	forces	force	NOUN
fsr-4057	145	19	member	member	NOUN
fsr-4057	145	20	or	or	CCONJ
fsr-4057	145	21	veteran	veteran	NOUN
fsr-4057	145	22	268	268	NUM
fsr-4057	145	23	13.21	13.21	NUM
fsr-4057	145	24	total	total	NOUN
fsr-4057	145	25	2030	2030	NUM
fsr-4057	145	26	100	100	NUM
fsr-4057	145	27	product	product	NOUN
fsr-4057	145	28	type	type	NOUN
fsr-4057	145	29	checking	check	VERB
fsr-4057	145	30	account	account	NOUN
fsr-4057	145	31	1834	1834	NUM
fsr-4057	145	32	90.39	90.39	NUM
fsr-4057	145	33	savings	saving	NOUN
fsr-4057	145	34	account	account	VERB
fsr-4057	145	35	195	195	NUM
fsr-4057	145	36	9.61	9.61	NUM
fsr-4057	145	37	total	total	ADJ
fsr-4057	145	38	2030	2030	NUM
fsr-4057	145	39	100	100	NUM
fsr-4057	145	40	financial	financial	ADJ
fsr-4057	145	41	institution	institution	NOUN
fsr-4057	145	42	types	type	NOUN
fsr-4057	145	43	national	national	PROPN
fsr-4057	145	44	bank	bank	PROPN
fsr-4057	145	45	12	12	NUM
fsr-4057	145	46	89.89	89.89	NUM
fsr-4057	145	47	regional	regional	ADJ
fsr-4057	145	48	bank	bank	NOUN
fsr-4057	145	49	21	21	NUM
fsr-4057	145	50	3.77	3.77	NUM
fsr-4057	145	51	credit	credit	NOUN
fsr-4057	145	52	union	union	NOUN
fsr-4057	145	53	8	8	NUM
fsr-4057	145	54	4.69	4.69	NUM
fsr-4057	145	55	financial	financial	ADJ
fsr-4057	145	56	services	service	NOUN
fsr-4057	145	57	company	company	NOUN
fsr-4057	145	58	12	12	NUM
fsr-4057	145	59	3.45	3.45	NUM
fsr-4057	145	60	credit	credit	NOUN
fsr-4057	145	61	reporting	reporting	NOUN
fsr-4057	145	62	agency	agency	NOUN
fsr-4057	145	63	2	2	NUM
fsr-4057	145	64	0.10	0.10	NUM
fsr-4057	145	65	multi	multi	NOUN
fsr-4057	145	66	-	-	NOUN
fsr-4057	145	67	services	service	NOUN
fsr-4057	145	68	1	1	NUM
fsr-4057	145	69	4.09	4.09	NUM
fsr-4057	145	70	other	other	ADJ
fsr-4057	145	71	2	2	NUM
fsr-4057	145	72	0.10	0.10	NUM
fsr-4057	145	73	total	total	NOUN
fsr-4057	145	74	58	58	NUM
fsr-4057	145	75	100	100	NUM
fsr-4057	145	76	financial	financial	ADJ
fsr-4057	145	77	services	service	NOUN
fsr-4057	145	78	review	review	NOUN
fsr-4057	145	79	,	,	PUNCT
fsr-4057	145	80	33(2	33(2	NUM
fsr-4057	145	81	)	)	PUNCT
fsr-4057	145	82	22	22	NUM
fsr-4057	145	83	results	result	VERB
fsr-4057	145	84	content	content	NOUN
fsr-4057	145	85	analysis	analysis	NOUN
fsr-4057	145	86	results	result	NOUN
fsr-4057	145	87	table	table	NOUN
fsr-4057	145	88	2	2	NUM
fsr-4057	145	89	provides	provide	VERB
fsr-4057	145	90	the	the	DET
fsr-4057	145	91	meta	meta	ADJ
fsr-4057	145	92	-	-	PUNCT
fsr-4057	145	93	categories	category	NOUN
fsr-4057	145	94	,	,	PUNCT
fsr-4057	145	95	thought	think	VERB
fsr-4057	145	96	domains	domain	NOUN
fsr-4057	145	97	and	and	CCONJ
fsr-4057	145	98	their	their	PRON
fsr-4057	145	99	percentage	percentage	NOUN
fsr-4057	145	100	frequencies	frequency	NOUN
fsr-4057	145	101	,	,	PUNCT
fsr-4057	145	102	and	and	CCONJ
fsr-4057	145	103	thought	think	VERB
fsr-4057	145	104	categories	category	NOUN
fsr-4057	145	105	resulting	result	VERB
fsr-4057	145	106	from	from	ADP
fsr-4057	145	107	the	the	DET
fsr-4057	145	108	content	content	NOUN
fsr-4057	145	109	analysis	analysis	NOUN
fsr-4057	145	110	.	.	PUNCT
fsr-4057	146	1	a	a	DET
fsr-4057	146	2	total	total	NOUN
fsr-4057	146	3	of	of	ADP
fsr-4057	146	4	five	five	NUM
fsr-4057	146	5	meta	meta	NOUN
fsr-4057	146	6	-	-	PUNCT
fsr-4057	146	7	categories	category	NOUN
fsr-4057	146	8	and	and	CCONJ
fsr-4057	146	9	their	their	PRON
fsr-4057	146	10	thought	think	VERB
fsr-4057	146	11	domains	domain	NOUN
fsr-4057	146	12	emerged	emerge	VERB
fsr-4057	146	13	from	from	ADP
fsr-4057	146	14	the	the	DET
fsr-4057	146	15	data	datum	NOUN
fsr-4057	146	16	:	:	PUNCT
fsr-4057	146	17	financial	financial	ADJ
fsr-4057	146	18	institution	institution	NOUN
fsr-4057	146	19	problem	problem	NOUN
fsr-4057	146	20	(	(	PUNCT
fsr-4057	146	21	eight	eight	NUM
fsr-4057	146	22	domains	domain	NOUN
fsr-4057	146	23	)	)	PUNCT
fsr-4057	146	24	,	,	PUNCT
fsr-4057	146	25	unsatisfactory	unsatisfactory	ADJ
fsr-4057	146	26	customer	customer	NOUN
fsr-4057	146	27	service	service	NOUN
fsr-4057	146	28	(	(	PUNCT
fsr-4057	146	29	five	five	NUM
fsr-4057	146	30	domains	domain	NOUN
fsr-4057	146	31	)	)	PUNCT
fsr-4057	146	32	,	,	PUNCT
fsr-4057	146	33	financial	financial	ADJ
fsr-4057	146	34	hardship	hardship	NOUN
fsr-4057	146	35	(	(	PUNCT
fsr-4057	146	36	five	five	NUM
fsr-4057	146	37	domains	domain	NOUN
fsr-4057	146	38	)	)	PUNCT
fsr-4057	146	39	,	,	PUNCT
fsr-4057	146	40	emotional	emotional	ADJ
fsr-4057	146	41	hardship	hardship	NOUN
fsr-4057	146	42	(	(	PUNCT
fsr-4057	146	43	five	five	NUM
fsr-4057	146	44	domains	domain	NOUN
fsr-4057	146	45	)	)	PUNCT
fsr-4057	146	46	,	,	PUNCT
fsr-4057	146	47	and	and	CCONJ
fsr-4057	146	48	customer	customer	NOUN
fsr-4057	146	49	vulnerability	vulnerability	NOUN
fsr-4057	146	50	(	(	PUNCT
fsr-4057	146	51	three	three	NUM
fsr-4057	146	52	domains	domain	NOUN
fsr-4057	146	53	)	)	PUNCT
fsr-4057	146	54	.	.	PUNCT
fsr-4057	147	1	three	three	NUM
fsr-4057	147	2	of	of	ADP
fsr-4057	147	3	these	these	DET
fsr-4057	147	4	meta	meta	ADJ
fsr-4057	147	5	-	-	PUNCT
fsr-4057	147	6	categories	category	NOUN
fsr-4057	147	7	financial	financial	ADJ
fsr-4057	147	8	institution	institution	NOUN
fsr-4057	147	9	problem	problem	NOUN
fsr-4057	147	10	,	,	PUNCT
fsr-4057	147	11	unsatisfactory	unsatisfactory	ADJ
fsr-4057	147	12	customer	customer	NOUN
fsr-4057	147	13	service	service	NOUN
fsr-4057	147	14	,	,	PUNCT
fsr-4057	147	15	and	and	CCONJ
fsr-4057	147	16	customer	customer	NOUN
fsr-4057	147	17	vulnerability	vulnerability	NOUN
fsr-4057	147	18	are	be	AUX
fsr-4057	147	19	antecedents	antecedent	NOUN
fsr-4057	147	20	that	that	PRON
fsr-4057	147	21	precede	precede	VERB
fsr-4057	147	22	the	the	DET
fsr-4057	147	23	other	other	ADJ
fsr-4057	147	24	two	two	NUM
fsr-4057	147	25	and	and	CCONJ
fsr-4057	147	26	may	may	AUX
fsr-4057	147	27	contribute	contribute	VERB
fsr-4057	147	28	to	to	ADP
fsr-4057	147	29	financial	financial	ADJ
fsr-4057	147	30	and	and	CCONJ
fsr-4057	147	31	emotional	emotional	ADJ
fsr-4057	147	32	hardship	hardship	NOUN
fsr-4057	147	33	.	.	PUNCT
fsr-4057	148	1	within	within	ADP
fsr-4057	148	2	the	the	DET
fsr-4057	148	3	financial	financial	ADJ
fsr-4057	148	4	institution	institution	NOUN
fsr-4057	148	5	problem	problem	NOUN
fsr-4057	148	6	metacategory	metacategory	PROPN
fsr-4057	148	7	,	,	PUNCT
fsr-4057	148	8	the	the	DET
fsr-4057	148	9	themes	theme	NOUN
fsr-4057	148	10	that	that	PRON
fsr-4057	148	11	emerged	emerge	VERB
fsr-4057	148	12	regarding	regard	VERB
fsr-4057	148	13	the	the	DET
fsr-4057	148	14	most	most	ADV
fsr-4057	148	15	common	common	ADJ
fsr-4057	148	16	challenges	challenge	NOUN
fsr-4057	148	17	consumers	consumer	NOUN
fsr-4057	148	18	encountered	encounter	VERB
fsr-4057	148	19	in	in	ADP
fsr-4057	148	20	the	the	DET
fsr-4057	148	21	use	use	NOUN
fsr-4057	148	22	of	of	ADP
fsr-4057	148	23	their	their	PRON
fsr-4057	148	24	bank	bank	NOUN
fsr-4057	148	25	accounts	account	NOUN
fsr-4057	148	26	ranged	range	VERB
fsr-4057	148	27	from	from	ADP
fsr-4057	148	28	transaction	transaction	NOUN
fsr-4057	148	29	issues	issue	NOUN
fsr-4057	148	30	,	,	PUNCT
fsr-4057	148	31	to	to	ADP
fsr-4057	148	32	access	access	NOUN
fsr-4057	148	33	issues	issue	NOUN
fsr-4057	148	34	,	,	PUNCT
fsr-4057	148	35	to	to	ADP
fsr-4057	148	36	policy	policy	NOUN
fsr-4057	148	37	and	and	CCONJ
fsr-4057	148	38	procedure	procedure	NOUN
fsr-4057	148	39	issues	issue	NOUN
fsr-4057	148	40	.	.	PUNCT
fsr-4057	149	1	frequently	frequently	ADV
fsr-4057	149	2	mentioned	mention	VERB
fsr-4057	149	3	issues	issue	NOUN
fsr-4057	149	4	were	be	AUX
fsr-4057	149	5	fraud	fraud	NOUN
fsr-4057	149	6	or	or	CCONJ
fsr-4057	149	7	theft	theft	NOUN
fsr-4057	149	8	of	of	ADP
fsr-4057	149	9	their	their	PRON
fsr-4057	149	10	funds	fund	NOUN
fsr-4057	149	11	,	,	PUNCT
fsr-4057	149	12	excessive	excessive	ADJ
fsr-4057	149	13	fees	fee	NOUN
fsr-4057	149	14	,	,	PUNCT
fsr-4057	149	15	and	and	CCONJ
fsr-4057	149	16	the	the	DET
fsr-4057	149	17	unexpected	unexpected	ADJ
fsr-4057	149	18	closure	closure	NOUN
fsr-4057	149	19	of	of	ADP
fsr-4057	149	20	their	their	PRON
fsr-4057	149	21	account	account	NOUN
fsr-4057	149	22	.	.	PUNCT
fsr-4057	150	1	the	the	DET
fsr-4057	150	2	unsatisfactory	unsatisfactory	ADJ
fsr-4057	150	3	customer	customer	NOUN
fsr-4057	150	4	service	service	NOUN
fsr-4057	150	5	meta	meta	ADJ
fsr-4057	150	6	-	-	PUNCT
fsr-4057	150	7	category	category	NOUN
fsr-4057	150	8	captured	capture	VERB
fsr-4057	150	9	instances	instance	NOUN
fsr-4057	150	10	of	of	ADP
fsr-4057	150	11	insufficient	insufficient	ADJ
fsr-4057	150	12	or	or	CCONJ
fsr-4057	150	13	undesirable	undesirable	ADJ
fsr-4057	150	14	behavior	behavior	NOUN
fsr-4057	150	15	from	from	ADP
fsr-4057	150	16	customer	customer	NOUN
fsr-4057	150	17	service	service	NOUN
fsr-4057	150	18	staff	staff	NOUN
fsr-4057	150	19	,	,	PUNCT
fsr-4057	150	20	often	often	ADV
fsr-4057	150	21	weak	weak	ADJ
fsr-4057	150	22	engagement	engagement	NOUN
fsr-4057	150	23	related	relate	VERB
fsr-4057	150	24	to	to	ADP
fsr-4057	150	25	attempts	attempt	NOUN
fsr-4057	150	26	to	to	PART
fsr-4057	150	27	resolve	resolve	VERB
fsr-4057	150	28	the	the	DET
fsr-4057	150	29	problem	problem	NOUN
fsr-4057	150	30	and	and	CCONJ
fsr-4057	150	31	poor	poor	ADJ
fsr-4057	150	32	quality	quality	NOUN
fsr-4057	150	33	information	information	NOUN
fsr-4057	150	34	regarding	regard	VERB
fsr-4057	150	35	the	the	DET
fsr-4057	150	36	issue	issue	NOUN
fsr-4057	150	37	.	.	PUNCT
fsr-4057	151	1	the	the	DET
fsr-4057	151	2	third	third	ADJ
fsr-4057	151	3	meta	meta	ADJ
fsr-4057	151	4	-	-	PUNCT
fsr-4057	151	5	category	category	NOUN
fsr-4057	151	6	,	,	PUNCT
fsr-4057	151	7	financial	financial	ADJ
fsr-4057	151	8	hardship	hardship	NOUN
fsr-4057	151	9	,	,	PUNCT
fsr-4057	151	10	tracked	track	VERB
fsr-4057	151	11	how	how	SCONJ
fsr-4057	151	12	the	the	DET
fsr-4057	151	13	financial	financial	ADJ
fsr-4057	151	14	institution	institution	NOUN
fsr-4057	151	15	problem	problem	NOUN
fsr-4057	151	16	may	may	AUX
fsr-4057	151	17	have	have	AUX
fsr-4057	151	18	negatively	negatively	ADV
fsr-4057	151	19	impacted	impact	VERB
fsr-4057	151	20	the	the	DET
fsr-4057	151	21	customer	customer	NOUN
fsr-4057	151	22	,	,	PUNCT
fsr-4057	151	23	either	either	CCONJ
fsr-4057	151	24	financially	financially	ADV
fsr-4057	151	25	or	or	CCONJ
fsr-4057	151	26	legally	legally	ADV
fsr-4057	151	27	.	.	PUNCT
fsr-4057	152	1	such	such	ADJ
fsr-4057	152	2	impact	impact	NOUN
fsr-4057	152	3	is	be	AUX
fsr-4057	152	4	further	far	ADV
fsr-4057	152	5	explored	explore	VERB
fsr-4057	152	6	in	in	ADP
fsr-4057	152	7	the	the	DET
fsr-4057	152	8	emotional	emotional	ADJ
fsr-4057	152	9	hardship	hardship	NOUN
fsr-4057	152	10	meta	meta	ADJ
fsr-4057	152	11	-	-	PUNCT
fsr-4057	152	12	category	category	NOUN
fsr-4057	152	13	,	,	PUNCT
fsr-4057	152	14	which	which	PRON
fsr-4057	152	15	captures	capture	VERB
fsr-4057	152	16	the	the	DET
fsr-4057	152	17	negative	negative	ADJ
fsr-4057	152	18	emotional	emotional	ADJ
fsr-4057	152	19	experiences	experience	NOUN
fsr-4057	152	20	e.g.	e.g.	ADV
fsr-4057	152	21	,	,	PUNCT
fsr-4057	152	22	stress	stress	NOUN
fsr-4057	152	23	or	or	CCONJ
fsr-4057	152	24	frustration	frustration	NOUN
fsr-4057	152	25	caused	cause	VERB
fsr-4057	152	26	by	by	ADP
fsr-4057	152	27	the	the	DET
fsr-4057	152	28	situation	situation	NOUN
fsr-4057	152	29	.	.	PUNCT
fsr-4057	153	1	finally	finally	ADV
fsr-4057	153	2	,	,	PUNCT
fsr-4057	153	3	the	the	DET
fsr-4057	153	4	customer	customer	NOUN
fsr-4057	153	5	vulnerability	vulnerability	VERB
fsr-4057	153	6	meta	meta	ADJ
fsr-4057	153	7	-	-	PUNCT
fsr-4057	153	8	category	category	NOUN
fsr-4057	153	9	identifies	identify	VERB
fsr-4057	153	10	whether	whether	SCONJ
fsr-4057	153	11	consumers	consumer	NOUN
fsr-4057	153	12	may	may	AUX
fsr-4057	153	13	have	have	AUX
fsr-4057	153	14	been	be	AUX
fsr-4057	153	15	particularly	particularly	ADV
fsr-4057	153	16	impacted	impact	VERB
fsr-4057	153	17	by	by	ADP
fsr-4057	153	18	the	the	DET
fsr-4057	153	19	problem	problem	NOUN
fsr-4057	153	20	based	base	VERB
fsr-4057	153	21	on	on	ADP
fsr-4057	153	22	existing	exist	VERB
fsr-4057	153	23	vulnerabilities	vulnerability	NOUN
fsr-4057	153	24	,	,	PUNCT
fsr-4057	153	25	such	such	ADJ
fsr-4057	153	26	as	as	ADP
fsr-4057	153	27	demographic	demographic	ADJ
fsr-4057	153	28	or	or	CCONJ
fsr-4057	153	29	situational	situational	ADJ
fsr-4057	153	30	factors	factor	NOUN
fsr-4057	153	31	.	.	PUNCT
fsr-4057	154	1	table	table	NOUN
fsr-4057	154	2	2	2	NUM
fsr-4057	154	3	.	.	PUNCT
fsr-4057	155	1	meta	meta	NOUN
fsr-4057	155	2	-	-	PUNCT
fsr-4057	155	3	categories	category	NOUN
fsr-4057	155	4	,	,	PUNCT
fsr-4057	155	5	thought	think	VERB
fsr-4057	155	6	domains	domain	NOUN
fsr-4057	155	7	,	,	PUNCT
fsr-4057	155	8	and	and	CCONJ
fsr-4057	155	9	thought	think	VERB
fsr-4057	155	10	categories	category	NOUN
fsr-4057	155	11	identified	identify	VERB
fsr-4057	155	12	through	through	ADP
fsr-4057	155	13	content	content	NOUN
fsr-4057	155	14	analysis	analysis	NOUN
fsr-4057	155	15	of	of	ADP
fsr-4057	155	16	cfpb	cfpb	ADJ
fsr-4057	155	17	complaints	complaint	NOUN
fsr-4057	155	18	related	relate	VERB
fsr-4057	155	19	to	to	ADP
fsr-4057	155	20	bank	bank	NOUN
fsr-4057	155	21	accounts	account	NOUN
fsr-4057	155	22	thought	think	VERB
fsr-4057	155	23	domain	domain	NOUN
fsr-4057	155	24	%	%	NOUN
fsr-4057	155	25	thought	think	VERB
fsr-4057	155	26	categories	category	NOUN
fsr-4057	155	27	meta	meta	ADJ
fsr-4057	155	28	-	-	PUNCT
fsr-4057	155	29	category	category	NOUN
fsr-4057	155	30	:	:	PUNCT
fsr-4057	155	31	financial	financial	ADJ
fsr-4057	155	32	institution	institution	NOUN
fsr-4057	155	33	problem	problem	NOUN
fsr-4057	155	34	incentive	incentive	NOUN
fsr-4057	155	35	5.9	5.9	NUM
fsr-4057	155	36	lack	lack	NOUN
fsr-4057	155	37	of	of	ADP
fsr-4057	155	38	action	action	NOUN
fsr-4057	155	39	on	on	ADP
fsr-4057	155	40	promised	promise	VERB
fsr-4057	155	41	account	account	NOUN
fsr-4057	155	42	incentive	incentive	NOUN
fsr-4057	155	43	/	/	SYM
fsr-4057	155	44	promotion	promotion	NOUN
fsr-4057	155	45	account	account	NOUN
fsr-4057	155	46	transaction	transaction	NOUN
fsr-4057	155	47	32.4	32.4	NUM
fsr-4057	155	48	funds	fund	NOUN
fsr-4057	155	49	debited	debit	VERB
fsr-4057	155	50	in	in	ADP
fsr-4057	155	51	account	account	NOUN
fsr-4057	155	52	,	,	PUNCT
fsr-4057	155	53	product	product	NOUN
fsr-4057	155	54	not	not	PART
fsr-4057	155	55	received	receive	VERB
fsr-4057	155	56	wrong	wrong	ADJ
fsr-4057	155	57	account	account	NOUN
fsr-4057	155	58	debited	debit	VERB
fsr-4057	155	59	or	or	CCONJ
fsr-4057	155	60	credited	credit	VERB
fsr-4057	155	61	transaction	transaction	NOUN
fsr-4057	155	62	dispute	dispute	NOUN
fsr-4057	155	63	account	account	NOUN
fsr-4057	155	64	debited	debit	VERB
fsr-4057	155	65	for	for	ADP
fsr-4057	155	66	authorized	authorized	ADJ
fsr-4057	155	67	transfer	transfer	NOUN
fsr-4057	155	68	,	,	PUNCT
fsr-4057	155	69	but	but	CCONJ
fsr-4057	155	70	lost	lose	VERB
fsr-4057	155	71	funds	fund	NOUN
fsr-4057	155	72	unauthorized	unauthorized	ADJ
fsr-4057	155	73	automatic	automatic	ADJ
fsr-4057	155	74	debit	debit	NOUN
fsr-4057	155	75	unauthorized	unauthorized	ADJ
fsr-4057	155	76	transfer	transfer	NOUN
fsr-4057	155	77	account	account	NOUN
fsr-4057	155	78	access	access	NOUN
fsr-4057	155	79	and	and	CCONJ
fsr-4057	155	80	features	feature	VERB
fsr-4057	155	81	40.6	40.6	NUM
fsr-4057	155	82	unable	unable	ADJ
fsr-4057	155	83	to	to	PART
fsr-4057	155	84	view	view	VERB
fsr-4057	155	85	account	account	VERB
fsr-4057	155	86	online	online	ADV
fsr-4057	155	87	unauthorized	unauthorized	ADJ
fsr-4057	155	88	account	account	NOUN
fsr-4057	155	89	opening	opening	NOUN
fsr-4057	155	90	bank	bank	NOUN
fsr-4057	155	91	closed	close	VERB
fsr-4057	155	92	account	account	PROPN
fsr-4057	155	93	bank	bank	PROPN
fsr-4057	155	94	failed	fail	VERB
fsr-4057	155	95	to	to	PART
fsr-4057	155	96	close	close	VERB
fsr-4057	155	97	account	account	NOUN
fsr-4057	155	98	in	in	ADP
fsr-4057	155	99	a	a	DET
fsr-4057	155	100	timely	timely	ADJ
fsr-4057	155	101	manner	manner	NOUN
fsr-4057	155	102	account	account	NOUN
fsr-4057	155	103	frozen	freeze	VERB
fsr-4057	155	104	undesired	undesired	ADJ
fsr-4057	155	105	change	change	NOUN
fsr-4057	155	106	to	to	ADP
fsr-4057	155	107	account	account	NOUN
fsr-4057	155	108	debit	debit	NOUN
fsr-4057	155	109	card	card	NOUN
fsr-4057	155	110	shut	shut	VERB
fsr-4057	155	111	off	off	ADP
fsr-4057	155	112	could	could	AUX
fsr-4057	155	113	not	not	PART
fsr-4057	155	114	link	link	VERB
fsr-4057	155	115	account	account	NOUN
fsr-4057	155	116	customer	customer	NOUN
fsr-4057	155	117	closed	close	VERB
fsr-4057	155	118	or	or	CCONJ
fsr-4057	155	119	opened	open	VERB
fsr-4057	155	120	an	an	DET
fsr-4057	155	121	account	account	NOUN
fsr-4057	155	122	to	to	PART
fsr-4057	155	123	address	address	VERB
fsr-4057	155	124	problem	problem	NOUN
fsr-4057	155	125	,	,	PUNCT
fsr-4057	155	126	yet	yet	CCONJ
fsr-4057	155	127	problem	problem	NOUN
fsr-4057	155	128	persisted	persist	VERB
fsr-4057	155	129	birkenmaier	birkenmaier	NOUN
fsr-4057	155	130	&	&	CCONJ
fsr-4057	155	131	stratman	stratman	NOUN
fsr-4057	155	132	23	23	NUM
fsr-4057	155	133	funds	fund	NOUN
fsr-4057	155	134	withheld	withhold	VERB
fsr-4057	155	135	27.8	27.8	NUM
fsr-4057	155	136	bank	bank	NOUN
fsr-4057	155	137	took	take	VERB
fsr-4057	155	138	or	or	CCONJ
fsr-4057	155	139	withheld	withhold	VERB
fsr-4057	155	140	funds	fund	NOUN
fsr-4057	155	141	excessive	excessive	ADJ
fsr-4057	155	142	delays	delay	NOUN
fsr-4057	155	143	in	in	ADP
fsr-4057	155	144	returning	return	VERB
fsr-4057	155	145	funds	fund	NOUN
fsr-4057	155	146	to	to	ADP
fsr-4057	155	147	customer	customer	NOUN
fsr-4057	155	148	,	,	PUNCT
fsr-4057	155	149	including	include	VERB
fsr-4057	155	150	from	from	ADP
fsr-4057	155	151	fraud	fraud	NOUN
fsr-4057	155	152	lacked	lack	VERB
fsr-4057	155	153	provisional	provisional	ADJ
fsr-4057	155	154	credit	credit	NOUN
fsr-4057	155	155	access	access	NOUN
fsr-4057	155	156	during	during	ADP
fsr-4057	155	157	fraud	fraud	NOUN
fsr-4057	155	158	investigation	investigation	NOUN
fsr-4057	155	159	,	,	PUNCT
fsr-4057	155	160	or	or	CCONJ
fsr-4057	155	161	provisional	provisional	ADJ
fsr-4057	155	162	credit	credit	NOUN
fsr-4057	155	163	initially	initially	ADV
fsr-4057	155	164	given	give	VERB
fsr-4057	155	165	is	be	AUX
fsr-4057	155	166	revoked	revoke	VERB
fsr-4057	155	167	fees	fee	NOUN
fsr-4057	155	168	22.9	22.9	NUM
fsr-4057	155	169	charged	charge	VERB
fsr-4057	155	170	overdraft	overdraft	NOUN
fsr-4057	155	171	fees	fee	NOUN
fsr-4057	155	172	charged	charge	VERB
fsr-4057	155	173	fees	fee	NOUN
fsr-4057	155	174	with	with	ADP
fsr-4057	155	175	no	no	DET
fsr-4057	155	176	advanced	advanced	ADJ
fsr-4057	155	177	notice	notice	NOUN
fsr-4057	155	178	charged	charge	VERB
fsr-4057	155	179	excessive	excessive	ADJ
fsr-4057	155	180	fees	fee	NOUN
fsr-4057	155	181	charged	charge	VERB
fsr-4057	155	182	incorrect	incorrect	ADJ
fsr-4057	155	183	fees	fee	NOUN
fsr-4057	155	184	charged	charge	VERB
fsr-4057	155	185	unjustified	unjustified	ADJ
fsr-4057	155	186	fees	fee	NOUN
fsr-4057	155	187	overdraft	overdraft	NOUN
fsr-4057	155	188	fees	fee	NOUN
fsr-4057	155	189	charged	charge	VERB
fsr-4057	155	190	when	when	SCONJ
fsr-4057	155	191	funds	fund	NOUN
fsr-4057	155	192	are	be	AUX
fsr-4057	155	193	available	available	ADJ
fsr-4057	155	194	charged	charge	VERB
fsr-4057	155	195	fees	fee	NOUN
fsr-4057	155	196	even	even	ADV
fsr-4057	155	197	when	when	SCONJ
fsr-4057	155	198	account	account	NOUN
fsr-4057	155	199	features	feature	NOUN
fsr-4057	155	200	disallowed	disallow	VERB
fsr-4057	155	201	the	the	DET
fsr-4057	155	202	fee	fee	NOUN
fsr-4057	155	203	account	account	NOUN
fsr-4057	155	204	overdrawn	overdrawn	ADJ
fsr-4057	155	205	or	or	CCONJ
fsr-4057	155	206	overdrafted	overdrafte	VERB
fsr-4057	155	207	fees	fee	NOUN
fsr-4057	155	208	–	–	PUNCT
fsr-4057	155	209	unspecified	unspecified	ADJ
fsr-4057	155	210	policy	policy	NOUN
fsr-4057	155	211	or	or	CCONJ
fsr-4057	155	212	procedure	procedure	NOUN
fsr-4057	155	213	41.6	41.6	NUM
fsr-4057	155	214	inadequate	inadequate	ADJ
fsr-4057	155	215	procedures	procedure	NOUN
fsr-4057	155	216	for	for	ADP
fsr-4057	155	217	preventing	prevent	VERB
fsr-4057	155	218	fraud	fraud	NOUN
fsr-4057	155	219	or	or	CCONJ
fsr-4057	155	220	theft	theft	NOUN
fsr-4057	155	221	policy	policy	NOUN
fsr-4057	155	222	or	or	CCONJ
fsr-4057	155	223	procedure	procedure	NOUN
fsr-4057	155	224	was	be	AUX
fsr-4057	155	225	unreasonable	unreasonable	ADJ
fsr-4057	155	226	or	or	CCONJ
fsr-4057	155	227	inappropriate	inappropriate	ADJ
fsr-4057	155	228	inadequate	inadequate	ADJ
fsr-4057	155	229	policy	policy	NOUN
fsr-4057	155	230	or	or	CCONJ
fsr-4057	155	231	procedure	procedure	NOUN
fsr-4057	155	232	for	for	ADP
fsr-4057	155	233	account	account	NOUN
fsr-4057	155	234	handling	handling	NOUN
fsr-4057	155	235	after	after	SCONJ
fsr-4057	155	236	owner	owner	NOUN
fsr-4057	155	237	was	be	AUX
fsr-4057	155	238	incapacitated	incapacitate	VERB
fsr-4057	155	239	due	due	ADP
fsr-4057	155	240	to	to	ADP
fsr-4057	155	241	death	death	NOUN
fsr-4057	155	242	or	or	CCONJ
fsr-4057	155	243	disability	disability	NOUN
fsr-4057	156	1	undesired	undesired	ADJ
fsr-4057	156	2	or	or	CCONJ
fsr-4057	156	3	unexpected	unexpected	ADJ
fsr-4057	156	4	account	account	NOUN
fsr-4057	156	5	design	design	NOUN
fsr-4057	156	6	feature	feature	NOUN
fsr-4057	156	7	repeated	repeat	VERB
fsr-4057	156	8	problem	problem	NOUN
fsr-4057	156	9	with	with	ADP
fsr-4057	156	10	delayed	delay	VERB
fsr-4057	156	11	deposit	deposit	NOUN
fsr-4057	156	12	clearing	clearing	NOUN
fsr-4057	156	13	customer	customer	NOUN
fsr-4057	156	14	did	do	AUX
fsr-4057	156	15	not	not	PART
fsr-4057	156	16	trust	trust	VERB
fsr-4057	156	17	/	/	SYM
fsr-4057	156	18	feel	feel	VERB
fsr-4057	156	19	safe	safe	ADJ
fsr-4057	156	20	with	with	ADP
fsr-4057	156	21	the	the	DET
fsr-4057	156	22	financial	financial	ADJ
fsr-4057	156	23	institution	institution	NOUN
fsr-4057	156	24	fraud	fraud	NOUN
fsr-4057	156	25	or	or	CCONJ
fsr-4057	156	26	theft	theft	NOUN
fsr-4057	156	27	20.0	20.0	NUM
fsr-4057	156	28	fraud	fraud	NOUN
fsr-4057	156	29	or	or	CCONJ
fsr-4057	156	30	theft	theft	NOUN
fsr-4057	156	31	claim	claim	NOUN
fsr-4057	156	32	denied	deny	VERB
fsr-4057	156	33	customer	customer	NOUN
fsr-4057	156	34	held	hold	VERB
fsr-4057	156	35	financially	financially	ADV
fsr-4057	156	36	liable	liable	ADJ
fsr-4057	156	37	or	or	CCONJ
fsr-4057	156	38	responsible	responsible	ADJ
fsr-4057	156	39	for	for	ADP
fsr-4057	156	40	fraud	fraud	NOUN
fsr-4057	156	41	/	/	SYM
fsr-4057	156	42	theft	theft	NOUN
fsr-4057	156	43	fees	fee	NOUN
fsr-4057	156	44	resulted	result	VERB
fsr-4057	156	45	from	from	ADP
fsr-4057	156	46	fraud	fraud	NOUN
fsr-4057	156	47	atm	atm	PROPN
fsr-4057	156	48	3.0	3.0	NUM
fsr-4057	156	49	atm	atm	NOUN
fsr-4057	156	50	malfunctioned	malfunction	VERB
fsr-4057	156	51	charged	charge	VERB
fsr-4057	156	52	fees	fee	NOUN
fsr-4057	156	53	for	for	ADP
fsr-4057	156	54	multiple	multiple	ADJ
fsr-4057	156	55	atm	atm	ADJ
fsr-4057	156	56	withdrawals	withdrawal	NOUN
fsr-4057	156	57	due	due	ADP
fsr-4057	156	58	to	to	ADP
fsr-4057	156	59	limits	limit	VERB
fsr-4057	156	60	meta	meta	ADJ
fsr-4057	156	61	-	-	PUNCT
fsr-4057	156	62	category	category	NOUN
fsr-4057	156	63	:	:	PUNCT
fsr-4057	157	1	unsatisfactory	unsatisfactory	ADJ
fsr-4057	157	2	customer	customer	NOUN
fsr-4057	157	3	service	service	NOUN
fsr-4057	157	4	information	information	NOUN
fsr-4057	157	5	40.1	40.1	NUM
fsr-4057	157	6	insufficient	insufficient	ADJ
fsr-4057	157	7	information	information	NOUN
fsr-4057	157	8	or	or	CCONJ
fsr-4057	157	9	explanation	explanation	NOUN
fsr-4057	157	10	shared	share	VERB
fsr-4057	157	11	did	do	AUX
fsr-4057	157	12	not	not	PART
fsr-4057	157	13	provide	provide	VERB
fsr-4057	157	14	requested	request	VERB
fsr-4057	157	15	information	information	NOUN
fsr-4057	157	16	or	or	CCONJ
fsr-4057	157	17	explanation	explanation	NOUN
fsr-4057	157	18	inconsistent	inconsistent	ADJ
fsr-4057	157	19	or	or	CCONJ
fsr-4057	157	20	conflicting	conflicting	ADJ
fsr-4057	157	21	information	information	NOUN
fsr-4057	157	22	provided	provide	VERB
fsr-4057	157	23	on	on	ADP
fsr-4057	157	24	various	various	ADJ
fsr-4057	157	25	contacts	contact	NOUN
fsr-4057	157	26	shared	share	VERB
fsr-4057	157	27	untrue	untrue	ADJ
fsr-4057	157	28	or	or	CCONJ
fsr-4057	157	29	misleading	misleading	ADJ
fsr-4057	157	30	information	information	NOUN
fsr-4057	157	31	,	,	PUNCT
fsr-4057	157	32	lied	lie	VERB
fsr-4057	157	33	or	or	CCONJ
fsr-4057	157	34	willfully	willfully	ADV
fsr-4057	157	35	deceived	deceive	VERB
fsr-4057	157	36	unfulfilled	unfulfilled	ADJ
fsr-4057	157	37	promise	promise	NOUN
fsr-4057	157	38	of	of	ADP
fsr-4057	157	39	help	help	NOUN
fsr-4057	157	40	shared	share	VERB
fsr-4057	157	41	customer	customer	NOUN
fsr-4057	157	42	personal	personal	ADJ
fsr-4057	157	43	information	information	NOUN
fsr-4057	157	44	without	without	ADP
fsr-4057	157	45	permission	permission	NOUN
fsr-4057	157	46	weak	weak	ADJ
fsr-4057	157	47	engagement	engagement	NOUN
fsr-4057	157	48	or	or	CCONJ
fsr-4057	157	49	responsiveness	responsiveness	NOUN
fsr-4057	157	50	51.7	51.7	NUM
fsr-4057	157	51	customer	customer	NOUN
fsr-4057	157	52	service	service	NOUN
fsr-4057	157	53	unavailable	unavailable	ADJ
fsr-4057	157	54	insufficient	insufficient	ADJ
fsr-4057	157	55	communication	communication	NOUN
fsr-4057	157	56	responsiveness	responsiveness	NOUN
fsr-4057	157	57	or	or	CCONJ
fsr-4057	157	58	delay	delay	NOUN
fsr-4057	157	59	delay	delay	NOUN
fsr-4057	157	60	or	or	CCONJ
fsr-4057	157	61	error	error	NOUN
fsr-4057	157	62	in	in	ADP
fsr-4057	157	63	processing	process	VERB
fsr-4057	157	64	unreasonably	unreasonably	ADV
fsr-4057	157	65	long	long	ADJ
fsr-4057	157	66	telephone	telephone	NOUN
fsr-4057	157	67	hold	hold	VERB
fsr-4057	157	68	time	time	NOUN
fsr-4057	157	69	unwilling	unwilling	ADJ
fsr-4057	157	70	to	to	PART
fsr-4057	157	71	listen	listen	VERB
fsr-4057	157	72	,	,	PUNCT
fsr-4057	157	73	unempathetic	unempathetic	ADJ
fsr-4057	157	74	lack	lack	NOUN
fsr-4057	157	75	of	of	ADP
fsr-4057	157	76	apology	apology	NOUN
fsr-4057	157	77	hung	hang	VERB
fsr-4057	157	78	up	up	ADP
fsr-4057	157	79	on	on	ADP
fsr-4057	157	80	,	,	PUNCT
fsr-4057	157	81	no	no	DET
fsr-4057	157	82	call	call	NOUN
fsr-4057	157	83	back	back	ADV
fsr-4057	157	84	would	would	AUX
fsr-4057	157	85	not	not	PART
fsr-4057	157	86	investigate	investigate	VERB
fsr-4057	157	87	financial	financial	ADJ
fsr-4057	157	88	services	service	NOUN
fsr-4057	157	89	review	review	NOUN
fsr-4057	157	90	,	,	PUNCT
fsr-4057	157	91	33(2	33(2	NUM
fsr-4057	157	92	)	)	PUNCT
fsr-4057	157	93	24	24	NUM
fsr-4057	157	94	would	would	AUX
fsr-4057	157	95	not	not	PART
fsr-4057	157	96	help	help	VERB
fsr-4057	157	97	no	no	DET
fsr-4057	157	98	after	after	ADP
fsr-4057	157	99	-	-	PUNCT
fsr-4057	157	100	hours	hour	NOUN
fsr-4057	157	101	assistance	assistance	NOUN
fsr-4057	157	102	wrongly	wrongly	ADV
fsr-4057	157	103	routed	route	VERB
fsr-4057	157	104	call	call	NOUN
fsr-4057	157	105	would	would	AUX
fsr-4057	157	106	not	not	PART
fsr-4057	157	107	send	send	VERB
fsr-4057	157	108	paperwork	paperwork	NOUN
fsr-4057	157	109	,	,	PUNCT
fsr-4057	157	110	or	or	CCONJ
fsr-4057	157	111	lost	lose	VERB
fsr-4057	157	112	paperwork	paperwork	NOUN
fsr-4057	157	113	undesirable	undesirable	ADJ
fsr-4057	157	114	engagement	engagement	NOUN
fsr-4057	157	115	9.4	9.4	NUM
fsr-4057	157	116	rude	rude	ADJ
fsr-4057	157	117	or	or	CCONJ
fsr-4057	157	118	unprofessional	unprofessional	ADJ
fsr-4057	157	119	staff	staff	NOUN
fsr-4057	157	120	behavior	behavior	NOUN
fsr-4057	157	121	used	use	VERB
fsr-4057	157	122	sarcasm	sarcasm	NOUN
fsr-4057	157	123	or	or	CCONJ
fsr-4057	157	124	laughed	laugh	VERB
fsr-4057	157	125	at	at	ADP
fsr-4057	157	126	the	the	DET
fsr-4057	157	127	problem	problem	NOUN
fsr-4057	157	128	acted	act	VERB
fsr-4057	157	129	irritated	irritated	ADJ
fsr-4057	157	130	or	or	CCONJ
fsr-4057	157	131	short	short	ADJ
fsr-4057	157	132	with	with	ADP
fsr-4057	157	133	customer	customer	NOUN
fsr-4057	157	134	threatened	threaten	VERB
fsr-4057	157	135	retribution	retribution	NOUN
fsr-4057	157	136	or	or	CCONJ
fsr-4057	157	137	intimidated	intimidate	VERB
fsr-4057	157	138	customer	customer	NOUN
fsr-4057	157	139	blamed	blame	VERB
fsr-4057	157	140	customer	customer	NOUN
fsr-4057	157	141	for	for	ADP
fsr-4057	157	142	problem	problem	NOUN
fsr-4057	157	143	used	use	VERB
fsr-4057	157	144	high	high	ADJ
fsr-4057	157	145	pressure	pressure	NOUN
fsr-4057	157	146	tactics	tactic	NOUN
fsr-4057	157	147	asked	ask	VERB
fsr-4057	157	148	invasive	invasive	ADJ
fsr-4057	157	149	questions	question	NOUN
fsr-4057	157	150	wrongfully	wrongfully	ADV
fsr-4057	157	151	disclosed	disclose	VERB
fsr-4057	157	152	sensitive	sensitive	ADJ
fsr-4057	157	153	customer	customer	NOUN
fsr-4057	157	154	information	information	NOUN
fsr-4057	157	155	stole	steal	VERB
fsr-4057	157	156	funds	fund	NOUN
fsr-4057	157	157	from	from	ADP
fsr-4057	157	158	the	the	DET
fsr-4057	157	159	customer	customer	NOUN
fsr-4057	157	160	,	,	PUNCT
fsr-4057	157	161	tampered	tamper	VERB
fsr-4057	157	162	with	with	ADP
fsr-4057	157	163	the	the	DET
fsr-4057	157	164	customer	customer	NOUN
fsr-4057	157	165	's	's	PART
fsr-4057	157	166	account	account	NOUN
fsr-4057	157	167	,	,	PUNCT
fsr-4057	157	168	opened	open	VERB
fsr-4057	157	169	an	an	DET
fsr-4057	157	170	account	account	NOUN
fsr-4057	157	171	in	in	ADP
fsr-4057	157	172	the	the	DET
fsr-4057	157	173	customer	customer	NOUN
fsr-4057	157	174	's	's	PART
fsr-4057	157	175	name	name	NOUN
fsr-4057	157	176	,	,	PUNCT
fsr-4057	157	177	or	or	CCONJ
fsr-4057	157	178	otherwise	otherwise	ADV
fsr-4057	157	179	used	use	VERB
fsr-4057	157	180	customer	customer	NOUN
fsr-4057	157	181	's	's	PART
fsr-4057	157	182	information	information	NOUN
fsr-4057	157	183	for	for	ADP
fsr-4057	157	184	personal	personal	ADJ
fsr-4057	157	185	gain	gain	NOUN
fsr-4057	157	186	gaslit	gaslit	VERB
fsr-4057	157	187	the	the	DET
fsr-4057	157	188	customer	customer	NOUN
fsr-4057	157	189	(	(	PUNCT
fsr-4057	157	190	‘	'	PUNCT
fsr-4057	157	191	you	you	PRON
fsr-4057	157	192	should	should	AUX
fsr-4057	157	193	be	be	AUX
fsr-4057	157	194	happy	happy	ADJ
fsr-4057	157	195	that	that	SCONJ
fsr-4057	157	196	..	..	PUNCT
fsr-4057	157	197	”	"	PUNCT
fsr-4057	157	198	)	)	PUNCT
fsr-4057	157	199	unable	unable	ADJ
fsr-4057	157	200	to	to	PART
fsr-4057	157	201	solve	solve	VERB
fsr-4057	157	202	problem	problem	NOUN
fsr-4057	157	203	9.4	9.4	NUM
fsr-4057	157	204	runaround	runaround	NOUN
fsr-4057	157	205	in	in	ADP
fsr-4057	157	206	the	the	DET
fsr-4057	157	207	customer	customer	NOUN
fsr-4057	157	208	service	service	NOUN
fsr-4057	157	209	process	process	NOUN
fsr-4057	157	210	could	could	AUX
fsr-4057	157	211	not	not	PART
fsr-4057	157	212	speak	speak	VERB
fsr-4057	157	213	directly	directly	ADV
fsr-4057	157	214	to	to	ADP
fsr-4057	157	215	person	person	NOUN
fsr-4057	157	216	desired	desire	VERB
fsr-4057	157	217	customer	customer	NOUN
fsr-4057	157	218	repeatedly	repeatedly	ADV
fsr-4057	157	219	asked	ask	VERB
fsr-4057	157	220	to	to	PART
fsr-4057	157	221	fill	fill	VERB
fsr-4057	157	222	out	out	ADP
fsr-4057	157	223	the	the	DET
fsr-4057	157	224	same	same	ADJ
fsr-4057	157	225	paperwork	paperwork	NOUN
fsr-4057	157	226	required	require	VERB
fsr-4057	157	227	information	information	NOUN
fsr-4057	157	228	that	that	SCONJ
fsr-4057	157	229	customer	customer	NOUN
fsr-4057	157	230	can	can	AUX
fsr-4057	157	231	not	not	PART
fsr-4057	157	232	access	access	VERB
fsr-4057	157	233	asked	ask	VERB
fsr-4057	157	234	customer	customer	NOUN
fsr-4057	157	235	to	to	PART
fsr-4057	157	236	do	do	VERB
fsr-4057	157	237	something	something	PRON
fsr-4057	157	238	they	they	PRON
fsr-4057	157	239	can	can	AUX
fsr-4057	157	240	not	not	PART
fsr-4057	157	241	do	do	VERB
fsr-4057	157	242	discriminatory	discriminatory	ADJ
fsr-4057	157	243	practice	practice	NOUN
fsr-4057	157	244	3.4	3.4	NUM
fsr-4057	157	245	perceived	perceive	VERB
fsr-4057	157	246	discrimination	discrimination	NOUN
fsr-4057	157	247	profiled	profile	VERB
fsr-4057	157	248	customer	customer	NOUN
fsr-4057	157	249	physical	physical	ADJ
fsr-4057	157	250	accessibility	accessibility	NOUN
fsr-4057	157	251	issue	issue	NOUN
fsr-4057	157	252	to	to	PART
fsr-4057	157	253	resolve	resolve	VERB
fsr-4057	157	254	problem	problem	NOUN
fsr-4057	157	255	(	(	PUNCT
fsr-4057	157	256	e.g.	e.g.	ADV
fsr-4057	157	257	,	,	PUNCT
fsr-4057	157	258	location	location	NOUN
fsr-4057	157	259	)	)	PUNCT
fsr-4057	157	260	meta	meta	ADJ
fsr-4057	157	261	-	-	PUNCT
fsr-4057	157	262	category	category	NOUN
fsr-4057	157	263	:	:	PUNCT
fsr-4057	157	264	financial	financial	ADJ
fsr-4057	157	265	hardship	hardship	NOUN
fsr-4057	157	266	legal	legal	ADJ
fsr-4057	157	267	difficulties	difficulty	NOUN
fsr-4057	157	268	0.3	0.3	NUM
fsr-4057	157	269	under	under	ADP
fsr-4057	157	270	threat	threat	NOUN
fsr-4057	157	271	of	of	ADP
fsr-4057	157	272	criminal	criminal	ADJ
fsr-4057	157	273	charges	charge	NOUN
fsr-4057	157	274	concerned	concern	VERB
fsr-4057	157	275	about	about	ADP
fsr-4057	157	276	being	be	AUX
fsr-4057	157	277	taxed	tax	VERB
fsr-4057	157	278	or	or	CCONJ
fsr-4057	157	279	legal	legal	ADJ
fsr-4057	157	280	issues	issue	NOUN
fsr-4057	157	281	tax	tax	NOUN
fsr-4057	157	282	filing	filing	NOUN
fsr-4057	157	283	challenges	challenge	VERB
fsr-4057	157	284	funds	fund	NOUN
fsr-4057	157	285	problem	problem	NOUN
fsr-4057	157	286	63.2	63.2	NUM
fsr-4057	157	287	unable	unable	ADJ
fsr-4057	157	288	to	to	PART
fsr-4057	157	289	access	access	VERB
fsr-4057	157	290	money	money	NOUN
fsr-4057	157	291	in	in	ADP
fsr-4057	157	292	account	account	NOUN
fsr-4057	157	293	lost	lose	VERB
fsr-4057	157	294	money	money	NOUN
fsr-4057	157	295	or	or	CCONJ
fsr-4057	157	296	missing	miss	VERB
fsr-4057	157	297	money	money	NOUN
fsr-4057	157	298	account	account	NOUN
fsr-4057	157	299	drained	drain	VERB
fsr-4057	157	300	account	account	NOUN
fsr-4057	157	301	overdrawn	overdrawn	NOUN
fsr-4057	157	302	(	(	PUNCT
fsr-4057	157	303	re	re	NOUN
fsr-4057	157	304	)	)	PUNCT
fsr-4057	157	305	opening	open	VERB
fsr-4057	157	306	account	account	NOUN
fsr-4057	157	307	blocked	block	VERB
fsr-4057	157	308	3.4	3.4	NUM
fsr-4057	157	309	unable	unable	ADJ
fsr-4057	157	310	to	to	PART
fsr-4057	157	311	open	open	VERB
fsr-4057	157	312	an	an	DET
fsr-4057	157	313	account	account	NOUN
fsr-4057	157	314	unable	unable	ADJ
fsr-4057	157	315	to	to	PART
fsr-4057	157	316	reopen	reopen	VERB
fsr-4057	157	317	a	a	DET
fsr-4057	157	318	closed	closed	ADJ
fsr-4057	157	319	account	account	NOUN
fsr-4057	157	320	unable	unable	ADJ
fsr-4057	157	321	to	to	PART
fsr-4057	157	322	pay	pay	VERB
fsr-4057	157	323	/	/	SYM
fsr-4057	157	324	complete	complete	ADJ
fsr-4057	157	325	transaction	transaction	NOUN
fsr-4057	157	326	14.7	14.7	NUM
fsr-4057	157	327	unable	unable	ADJ
fsr-4057	157	328	to	to	PART
fsr-4057	157	329	pay	pay	VERB
fsr-4057	157	330	bills	bill	NOUN
fsr-4057	157	331	or	or	CCONJ
fsr-4057	157	332	rent	rent	VERB
fsr-4057	157	333	unable	unable	ADJ
fsr-4057	157	334	to	to	PART
fsr-4057	157	335	make	make	VERB
fsr-4057	157	336	a	a	DET
fsr-4057	157	337	desired	desire	VERB
fsr-4057	157	338	purchase	purchase	NOUN
fsr-4057	157	339	or	or	CCONJ
fsr-4057	157	340	payment	payment	NOUN
fsr-4057	157	341	borrowed	borrow	VERB
fsr-4057	157	342	money	money	NOUN
fsr-4057	157	343	or	or	CCONJ
fsr-4057	157	344	received	receive	VERB
fsr-4057	157	345	donations	donation	NOUN
fsr-4057	157	346	,	,	PUNCT
fsr-4057	157	347	favors	favor	NOUN
fsr-4057	157	348	,	,	PUNCT
fsr-4057	157	349	help	help	NOUN
fsr-4057	157	350	could	could	AUX
fsr-4057	157	351	not	not	PART
fsr-4057	157	352	complete	complete	VERB
fsr-4057	157	353	or	or	CCONJ
fsr-4057	157	354	must	must	AUX
fsr-4057	157	355	cancel	cancel	VERB
fsr-4057	157	356	a	a	DET
fsr-4057	157	357	transaction	transaction	NOUN
fsr-4057	157	358	checks	check	NOUN
fsr-4057	157	359	for	for	ADP
fsr-4057	157	360	authorized	authorize	VERB
fsr-4057	157	361	transactions	transaction	NOUN
fsr-4057	157	362	bounced	bounce	VERB
fsr-4057	157	363	incurred	incur	VERB
fsr-4057	157	364	fees	fee	NOUN
fsr-4057	157	365	from	from	ADP
fsr-4057	157	366	merchants	merchant	NOUN
fsr-4057	157	367	related	relate	VERB
fsr-4057	157	368	to	to	ADP
fsr-4057	157	369	late	late	ADJ
fsr-4057	157	370	or	or	CCONJ
fsr-4057	157	371	absent	absent	ADJ
fsr-4057	157	372	payment	payment	NOUN
fsr-4057	157	373	went	go	VERB
fsr-4057	157	374	into	into	ADP
fsr-4057	157	375	debt	debt	NOUN
fsr-4057	157	376	to	to	ADP
fsr-4057	157	377	a	a	DET
fsr-4057	157	378	merchant	merchant	NOUN
fsr-4057	157	379	birkenmaier	birkenmaier	NOUN
fsr-4057	157	380	&	&	CCONJ
fsr-4057	157	381	stratman	stratman	PROPN
fsr-4057	157	382	25	25	NUM
fsr-4057	157	383	blocked	block	VERB
fsr-4057	157	384	from	from	ADP
fsr-4057	157	385	credit	credit	NOUN
fsr-4057	157	386	or	or	CCONJ
fsr-4057	157	387	consumer	consumer	NOUN
fsr-4057	157	388	reporting	reporting	NOUN
fsr-4057	157	389	issue	issue	NOUN
fsr-4057	157	390	5.6	5.6	NUM
fsr-4057	157	391	limited	limited	ADJ
fsr-4057	157	392	or	or	CCONJ
fsr-4057	157	393	no	no	DET
fsr-4057	157	394	access	access	NOUN
fsr-4057	157	395	to	to	ADP
fsr-4057	157	396	credit	credit	NOUN
fsr-4057	157	397	concerned	concern	VERB
fsr-4057	157	398	about	about	ADP
fsr-4057	157	399	credit	credit	NOUN
fsr-4057	157	400	record	record	NOUN
fsr-4057	157	401	and/or	and/or	CCONJ
fsr-4057	157	402	score	score	NOUN
fsr-4057	157	403	debt	debt	NOUN
fsr-4057	157	404	sent	send	VERB
fsr-4057	157	405	to	to	ADP
fsr-4057	157	406	collections	collection	NOUN
fsr-4057	157	407	or	or	CCONJ
fsr-4057	157	408	in	in	ADP
fsr-4057	157	409	consumer	consumer	NOUN
fsr-4057	157	410	reporting	reporting	NOUN
fsr-4057	157	411	system	system	NOUN
fsr-4057	157	412	(	(	PUNCT
fsr-4057	157	413	e.g.	e.g.	ADV
fsr-4057	157	414	,	,	PUNCT
fsr-4057	157	415	chexsystems	chexsystem	NOUN
fsr-4057	157	416	)	)	PUNCT
fsr-4057	157	417	meta	meta	ADJ
fsr-4057	157	418	-	-	PUNCT
fsr-4057	157	419	category	category	NOUN
fsr-4057	157	420	:	:	PUNCT
fsr-4057	157	421	emotional	emotional	ADJ
fsr-4057	157	422	hardship	hardship	NOUN
fsr-4057	157	423	stress	stress	NOUN
fsr-4057	157	424	18.1	18.1	NUM
fsr-4057	157	425	described	describe	VERB
fsr-4057	157	426	stress	stress	NOUN
fsr-4057	157	427	related	relate	VERB
fsr-4057	157	428	to	to	ADP
fsr-4057	157	429	financial	financial	ADJ
fsr-4057	157	430	hardship	hardship	NOUN
fsr-4057	157	431	emphasized	emphasize	VERB
fsr-4057	157	432	consequences	consequence	NOUN
fsr-4057	157	433	of	of	ADP
fsr-4057	157	434	financial	financial	ADJ
fsr-4057	157	435	hardship	hardship	NOUN
fsr-4057	157	436	frustration	frustration	NOUN
fsr-4057	157	437	43.9	43.9	NUM
fsr-4057	157	438	used	use	VERB
fsr-4057	157	439	of	of	ADP
fsr-4057	157	440	exclamation	exclamation	NOUN
fsr-4057	157	441	marks	mark	NOUN
fsr-4057	157	442	used	use	VERB
fsr-4057	157	443	all	all	DET
fsr-4057	157	444	caps	cap	NOUN
fsr-4057	157	445	used	use	VERB
fsr-4057	157	446	rhetorical	rhetorical	ADJ
fsr-4057	157	447	questions	question	NOUN
fsr-4057	157	448	used	use	VERB
fsr-4057	157	449	sarcasm	sarcasm	NOUN
fsr-4057	157	450	stated	state	VERB
fsr-4057	157	451	"	"	PUNCT
fsr-4057	157	452	mad	mad	ADJ
fsr-4057	157	453	,	,	PUNCT
fsr-4057	157	454	"	"	PUNCT
fsr-4057	157	455	"	"	PUNCT
fsr-4057	157	456	angry	angry	ADJ
fsr-4057	157	457	,	,	PUNCT
fsr-4057	157	458	"	"	PUNCT
fsr-4057	157	459	or	or	CCONJ
fsr-4057	157	460	"	"	PUNCT
fsr-4057	157	461	disgusted	disgusted	ADJ
fsr-4057	157	462	"	"	PUNCT
fsr-4057	157	463	threatened	threaten	VERB
fsr-4057	157	464	to	to	PART
fsr-4057	157	465	sue	sue	VERB
fsr-4057	157	466	the	the	DET
fsr-4057	157	467	financial	financial	ADJ
fsr-4057	157	468	institution	institution	NOUN
fsr-4057	157	469	accused	accuse	VERB
fsr-4057	157	470	the	the	DET
fsr-4057	157	471	financial	financial	ADJ
fsr-4057	157	472	institution	institution	NOUN
fsr-4057	157	473	of	of	ADP
fsr-4057	157	474	deception	deception	NOUN
fsr-4057	157	475	hung	hang	VERB
fsr-4057	157	476	up	up	ADP
fsr-4057	157	477	on	on	ADP
fsr-4057	157	478	customer	customer	NOUN
fsr-4057	157	479	service	service	NOUN
fsr-4057	157	480	staff	staff	NOUN
fsr-4057	157	481	used	use	VERB
fsr-4057	157	482	emphatic	emphatic	ADJ
fsr-4057	157	483	language	language	NOUN
fsr-4057	157	484	such	such	ADJ
fsr-4057	157	485	as	as	ADP
fsr-4057	157	486	“	"	PUNCT
fsr-4057	157	487	ridiculous	ridiculous	ADJ
fsr-4057	157	488	,	,	PUNCT
fsr-4057	157	489	”	"	PUNCT
fsr-4057	157	490	“	"	PUNCT
fsr-4057	157	491	crooks	crook	NOUN
fsr-4057	157	492	,	,	PUNCT
fsr-4057	157	493	”	"	PUNCT
fsr-4057	157	494	“	"	PUNCT
fsr-4057	157	495	unacceptable	unacceptable	ADJ
fsr-4057	157	496	,	,	PUNCT
fsr-4057	157	497	”	"	PUNCT
fsr-4057	157	498	“	"	PUNCT
fsr-4057	157	499	please	please	INTJ
fsr-4057	157	500	help	help	VERB
fsr-4057	157	501	,	,	PUNCT
fsr-4057	157	502	”	"	PUNCT
fsr-4057	157	503	"	"	PUNCT
fsr-4057	157	504	tricked	trick	VERB
fsr-4057	157	505	,	,	PUNCT
fsr-4057	157	506	"	"	PUNCT
fsr-4057	157	507	"	"	PUNCT
fsr-4057	157	508	cheated	cheat	VERB
fsr-4057	157	509	,	,	PUNCT
fsr-4057	157	510	"	"	PUNCT
fsr-4057	157	511	etc	etc	X
fsr-4057	157	512	.	.	X
fsr-4057	157	513	embarrassed	embarrassed	ADJ
fsr-4057	157	514	0.4	0.4	NUM
fsr-4057	157	515	stated	state	VERB
fsr-4057	157	516	“	"	PUNCT
fsr-4057	157	517	embarrassed	embarrassed	ADJ
fsr-4057	157	518	”	"	PUNCT
fsr-4057	157	519	concern	concern	NOUN
fsr-4057	157	520	1.9	1.9	NUM
fsr-4057	157	521	stated	state	VERB
fsr-4057	157	522	“	"	PUNCT
fsr-4057	157	523	concerned	concerned	ADJ
fsr-4057	157	524	,	,	PUNCT
fsr-4057	157	525	”	"	PUNCT
fsr-4057	157	526	“	"	PUNCT
fsr-4057	157	527	worried	worried	ADJ
fsr-4057	157	528	,	,	PUNCT
fsr-4057	157	529	”	"	PUNCT
fsr-4057	157	530	“	"	PUNCT
fsr-4057	157	531	disturbing	disturbing	ADJ
fsr-4057	157	532	,	,	PUNCT
fsr-4057	157	533	”	"	PUNCT
fsr-4057	157	534	“	"	PUNCT
fsr-4057	157	535	bothers	bother	VERB
fsr-4057	157	536	me	i	PRON
fsr-4057	157	537	”	"	PUNCT
fsr-4057	157	538	concerned	concern	VERB
fsr-4057	157	539	about	about	ADP
fsr-4057	157	540	professional	professional	ADJ
fsr-4057	157	541	reputation	reputation	NOUN
fsr-4057	157	542	feared	fear	VERB
fsr-4057	157	543	that	that	SCONJ
fsr-4057	157	544	money	money	NOUN
fsr-4057	157	545	was	be	AUX
fsr-4057	157	546	not	not	PART
fsr-4057	157	547	safe	safe	ADJ
fsr-4057	157	548	with	with	ADP
fsr-4057	157	549	the	the	DET
fsr-4057	157	550	financial	financial	ADJ
fsr-4057	157	551	institution	institution	NOUN
fsr-4057	157	552	other	other	ADJ
fsr-4057	157	553	5.2	5.2	NUM
fsr-4057	157	554	other	other	ADJ
fsr-4057	157	555	emotions	emotion	NOUN
fsr-4057	157	556	(	(	PUNCT
fsr-4057	157	557	e.g.	e.g.	ADV
fsr-4057	157	558	,	,	PUNCT
fsr-4057	157	559	“	"	PUNCT
fsr-4057	157	560	upset	upset	ADJ
fsr-4057	157	561	,	,	PUNCT
fsr-4057	157	562	”	"	PUNCT
fsr-4057	157	563	“	"	PUNCT
fsr-4057	157	564	disappointed	disappointed	ADJ
fsr-4057	157	565	,	,	PUNCT
fsr-4057	157	566	”	"	PUNCT
fsr-4057	157	567	“	"	PUNCT
fsr-4057	157	568	devastated	devastate	VERB
fsr-4057	157	569	”	"	PUNCT
fsr-4057	157	570	)	)	PUNCT
fsr-4057	157	571	described	describe	VERB
fsr-4057	157	572	other	other	ADJ
fsr-4057	157	573	emotional	emotional	ADJ
fsr-4057	157	574	experiences	experience	NOUN
fsr-4057	157	575	(	(	PUNCT
fsr-4057	157	576	e.g.	e.g.	ADV
fsr-4057	157	577	,	,	PUNCT
fsr-4057	157	578	not	not	PART
fsr-4057	157	579	being	be	AUX
fsr-4057	157	580	able	able	ADJ
fsr-4057	157	581	to	to	PART
fsr-4057	157	582	eat	eat	VERB
fsr-4057	157	583	or	or	CCONJ
fsr-4057	157	584	sleep	sleep	VERB
fsr-4057	157	585	,	,	PUNCT
fsr-4057	157	586	feeling	feel	VERB
fsr-4057	157	587	sick	sick	ADJ
fsr-4057	157	588	or	or	CCONJ
fsr-4057	157	589	shaking	shake	VERB
fsr-4057	157	590	,	,	PUNCT
fsr-4057	157	591	etc	etc	X
fsr-4057	157	592	.	.	X
fsr-4057	157	593	)	)	PUNCT
fsr-4057	158	1	meta	meta	ADJ
fsr-4057	158	2	-	-	PUNCT
fsr-4057	158	3	category	category	NOUN
fsr-4057	158	4	:	:	PUNCT
fsr-4057	158	5	consumer	consumer	NOUN
fsr-4057	158	6	vulnerability	vulnerability	NOUN
fsr-4057	158	7	pre	pre	ADJ
fsr-4057	158	8	-	-	ADJ
fsr-4057	158	9	existing	exist	VERB
fsr-4057	158	10	financial	financial	ADJ
fsr-4057	158	11	shock	shock	NOUN
fsr-4057	158	12	0.9	0.9	NUM
fsr-4057	158	13	unemployed	unemployed	ADV
fsr-4057	158	14	laid	lay	VERB
fsr-4057	158	15	off	off	ADP
fsr-4057	158	16	fired	fire	VERB
fsr-4057	158	17	divorced	divorce	VERB
fsr-4057	158	18	demographic	demographic	ADJ
fsr-4057	158	19	factors	factor	NOUN
fsr-4057	158	20	9.1	9.1	NUM
fsr-4057	158	21	age	age	NOUN
fsr-4057	158	22	(	(	PUNCT
fsr-4057	158	23	i.e.	i.e.	X
fsr-4057	158	24	,	,	PUNCT
fsr-4057	158	25	older	old	ADJ
fsr-4057	158	26	adult	adult	NOUN
fsr-4057	158	27	,	,	PUNCT
fsr-4057	158	28	young	young	ADJ
fsr-4057	158	29	adult	adult	NOUN
fsr-4057	158	30	)	)	PUNCT
fsr-4057	158	31	single	single	ADJ
fsr-4057	158	32	parent	parent	NOUN
fsr-4057	158	33	racial	racial	ADJ
fsr-4057	158	34	minority	minority	NOUN
fsr-4057	158	35	less	less	ADV
fsr-4057	158	36	educated	educate	VERB
fsr-4057	158	37	lower	low	ADJ
fsr-4057	158	38	income	income	NOUN
fsr-4057	158	39	living	live	VERB
fsr-4057	158	40	in	in	ADP
fsr-4057	158	41	rural	rural	ADJ
fsr-4057	158	42	area	area	NOUN
fsr-4057	158	43	disability	disability	NOUN
fsr-4057	158	44	geographic	geographic	ADJ
fsr-4057	158	45	factors	factor	NOUN
fsr-4057	158	46	(	(	PUNCT
fsr-4057	158	47	distance	distance	NOUN
fsr-4057	158	48	to	to	ADP
fsr-4057	158	49	a	a	DET
fsr-4057	158	50	branch	branch	NOUN
fsr-4057	158	51	)	)	PUNCT
fsr-4057	158	52	citizenship	citizenship	NOUN
fsr-4057	158	53	status	status	NOUN
fsr-4057	158	54	language	language	NOUN
fsr-4057	158	55	previously	previously	ADV
fsr-4057	158	56	or	or	CCONJ
fsr-4057	158	57	currently	currently	ADV
fsr-4057	158	58	incarcerated	incarcerate	VERB
fsr-4057	158	59	mental	mental	ADJ
fsr-4057	158	60	illness	illness	NOUN
fsr-4057	158	61	financial	financial	PROPN
fsr-4057	158	62	services	services	PROPN
fsr-4057	158	63	review	review	PROPN
fsr-4057	158	64	,	,	PUNCT
fsr-4057	158	65	33(2	33(2	NUM
fsr-4057	158	66	)	)	PUNCT
fsr-4057	158	67	26	26	NUM
fsr-4057	158	68	chronic	chronic	ADJ
fsr-4057	158	69	medical	medical	ADJ
fsr-4057	158	70	issues	issue	NOUN
fsr-4057	158	71	woman	woman	NOUN
fsr-4057	158	72	transgender	transgender	NOUN
fsr-4057	158	73	or	or	CCONJ
fsr-4057	158	74	nonbinary	nonbinary	ADJ
fsr-4057	158	75	gender	gender	NOUN
fsr-4057	158	76	identity	identity	NOUN
fsr-4057	158	77	situational	situational	ADJ
fsr-4057	158	78	factors	factor	VERB
fsr-4057	158	79	1.4	1.4	NUM
fsr-4057	158	80	power	power	NOUN
fsr-4057	158	81	of	of	ADP
fsr-4057	158	82	attorney	attorney	NOUN
fsr-4057	158	83	or	or	CCONJ
fsr-4057	158	84	guardianship	guardianship	NOUN
fsr-4057	158	85	beneficiary	beneficiary	NOUN
fsr-4057	158	86	of	of	ADP
fsr-4057	158	87	an	an	DET
fsr-4057	158	88	estate	estate	NOUN
fsr-4057	158	89	or	or	CCONJ
fsr-4057	158	90	account	account	NOUN
fsr-4057	158	91	account	account	NOUN
fsr-4057	158	92	co	co	NOUN
fsr-4057	158	93	-	-	NOUN
fsr-4057	158	94	owner	owner	NOUN
fsr-4057	158	95	with	with	ADP
fsr-4057	158	96	a	a	DET
fsr-4057	158	97	deceased	deceased	ADJ
fsr-4057	158	98	person	person	NOUN
fsr-4057	158	99	intimate	intimate	ADJ
fsr-4057	158	100	partner	partner	NOUN
fsr-4057	158	101	violence	violence	NOUN
fsr-4057	158	102	sick	sick	ADJ
fsr-4057	158	103	/	/	PUNCT
fsr-4057	158	104	hospitalized	hospitalize	VERB
fsr-4057	158	105	in	in	ADP
fsr-4057	158	106	a	a	DET
fsr-4057	158	107	natural	natural	ADJ
fsr-4057	158	108	disaster	disaster	NOUN
fsr-4057	158	109	homeless	homeless	ADJ
fsr-4057	158	110	home	home	NOUN
fsr-4057	158	111	destroyed	destroy	VERB
fsr-4057	158	112	recent	recent	ADJ
fsr-4057	158	113	birth	birth	NOUN
fsr-4057	158	114	in	in	ADP
fsr-4057	158	115	the	the	DET
fsr-4057	158	116	family	family	NOUN
fsr-4057	158	117	note	note	NOUN
fsr-4057	158	118	:	:	PUNCT
fsr-4057	158	119	percentages	percentage	NOUN
fsr-4057	158	120	add	add	VERB
fsr-4057	158	121	up	up	ADP
fsr-4057	158	122	to	to	PART
fsr-4057	158	123	more	more	ADJ
fsr-4057	158	124	than	than	ADP
fsr-4057	158	125	100	100	NUM
fsr-4057	158	126	%	%	NOUN
fsr-4057	158	127	,	,	PUNCT
fsr-4057	158	128	as	as	SCONJ
fsr-4057	158	129	complaints	complaint	NOUN
fsr-4057	158	130	were	be	AUX
fsr-4057	158	131	coded	code	VERB
fsr-4057	158	132	in	in	ADP
fsr-4057	158	133	as	as	ADV
fsr-4057	158	134	many	many	ADJ
fsr-4057	158	135	meta	meta	NOUN
fsr-4057	158	136	-	-	PUNCT
fsr-4057	158	137	categories	category	NOUN
fsr-4057	158	138	and	and	CCONJ
fsr-4057	158	139	thought	think	VERB
fsr-4057	158	140	domains	domain	NOUN
fsr-4057	158	141	as	as	SCONJ
fsr-4057	158	142	needed	need	VERB
fsr-4057	158	143	.	.	PUNCT
fsr-4057	159	1	regression	regression	NOUN
fsr-4057	159	2	results	result	NOUN
fsr-4057	159	3	to	to	PART
fsr-4057	159	4	determine	determine	VERB
fsr-4057	159	5	the	the	DET
fsr-4057	159	6	relationship	relationship	NOUN
fsr-4057	159	7	between	between	ADP
fsr-4057	159	8	financial	financial	ADJ
fsr-4057	159	9	hardship	hardship	NOUN
fsr-4057	159	10	(	(	PUNCT
fsr-4057	159	11	the	the	DET
fsr-4057	159	12	dependent	dependent	ADJ
fsr-4057	159	13	variable	variable	NOUN
fsr-4057	159	14	)	)	PUNCT
fsr-4057	159	15	and	and	CCONJ
fsr-4057	159	16	the	the	DET
fsr-4057	159	17	antecedent	antecedent	NOUN
fsr-4057	159	18	meta	meta	NOUN
fsr-4057	159	19	-	-	PUNCT
fsr-4057	159	20	categories	category	NOUN
fsr-4057	159	21	,	,	PUNCT
fsr-4057	159	22	an	an	DET
fsr-4057	159	23	analysis	analysis	NOUN
fsr-4057	159	24	using	use	VERB
fsr-4057	159	25	generalized	generalize	VERB
fsr-4057	159	26	linear	linear	ADJ
fsr-4057	159	27	model	model	NOUN
fsr-4057	159	28	ordinal	ordinal	ADJ
fsr-4057	159	29	regression	regression	NOUN
fsr-4057	159	30	was	be	AUX
fsr-4057	159	31	conducted	conduct	VERB
fsr-4057	159	32	.	.	PUNCT
fsr-4057	160	1	this	this	DET
fsr-4057	160	2	method	method	NOUN
fsr-4057	160	3	is	be	AUX
fsr-4057	160	4	appropriate	appropriate	ADJ
fsr-4057	160	5	due	due	ADP
fsr-4057	160	6	to	to	ADP
fsr-4057	160	7	the	the	DET
fsr-4057	160	8	ordinal	ordinal	ADJ
fsr-4057	160	9	nature	nature	NOUN
fsr-4057	160	10	of	of	ADP
fsr-4057	160	11	the	the	DET
fsr-4057	160	12	dependent	dependent	ADJ
fsr-4057	160	13	variable	variable	NOUN
fsr-4057	160	14	.	.	PUNCT
fsr-4057	161	1	this	this	DET
fsr-4057	161	2	approach	approach	NOUN
fsr-4057	161	3	allows	allow	VERB
fsr-4057	161	4	for	for	ADP
fsr-4057	161	5	the	the	DET
fsr-4057	161	6	handling	handling	NOUN
fsr-4057	161	7	of	of	ADP
fsr-4057	161	8	ordered	order	VERB
fsr-4057	161	9	categories	category	NOUN
fsr-4057	161	10	while	while	SCONJ
fsr-4057	161	11	respecting	respect	VERB
fsr-4057	161	12	their	their	PRON
fsr-4057	161	13	natural	natural	ADJ
fsr-4057	161	14	ranking	ranking	NOUN
fsr-4057	161	15	without	without	ADP
fsr-4057	161	16	assuming	assume	VERB
fsr-4057	161	17	equal	equal	ADJ
fsr-4057	161	18	intervals	interval	NOUN
fsr-4057	161	19	between	between	ADP
fsr-4057	161	20	them	they	PRON
fsr-4057	161	21	.	.	PUNCT
fsr-4057	162	1	the	the	DET
fsr-4057	162	2	framework	framework	NOUN
fsr-4057	162	3	also	also	ADV
fsr-4057	162	4	provides	provide	VERB
fsr-4057	162	5	flexibility	flexibility	NOUN
fsr-4057	162	6	in	in	ADP
fsr-4057	162	7	specifying	specify	VERB
fsr-4057	162	8	link	link	NOUN
fsr-4057	162	9	functions	function	NOUN
fsr-4057	162	10	and	and	CCONJ
fsr-4057	162	11	distributions	distribution	NOUN
fsr-4057	162	12	(	(	PUNCT
fsr-4057	162	13	agresti	agresti	NOUN
fsr-4057	162	14	,	,	PUNCT
fsr-4057	162	15	2010	2010	NUM
fsr-4057	162	16	)	)	PUNCT
fsr-4057	162	17	.	.	PUNCT
fsr-4057	163	1	to	to	PART
fsr-4057	163	2	transform	transform	VERB
fsr-4057	163	3	the	the	DET
fsr-4057	163	4	meta	meta	NOUN
fsr-4057	163	5	-	-	PUNCT
fsr-4057	163	6	categories	category	NOUN
fsr-4057	163	7	into	into	ADP
fsr-4057	163	8	measures	measure	NOUN
fsr-4057	163	9	that	that	PRON
fsr-4057	163	10	are	be	AUX
fsr-4057	163	11	needed	need	VERB
fsr-4057	163	12	to	to	PART
fsr-4057	163	13	run	run	VERB
fsr-4057	163	14	regression	regression	NOUN
fsr-4057	163	15	analysis	analysis	NOUN
fsr-4057	163	16	,	,	PUNCT
fsr-4057	163	17	each	each	DET
fsr-4057	163	18	thought	think	VERB
fsr-4057	163	19	domain	domain	NOUN
fsr-4057	163	20	was	be	AUX
fsr-4057	163	21	quantified	quantify	VERB
fsr-4057	163	22	for	for	ADP
fsr-4057	163	23	each	each	DET
fsr-4057	163	24	complaint	complaint	NOUN
fsr-4057	163	25	report	report	NOUN
fsr-4057	163	26	by	by	ADP
fsr-4057	163	27	summing	sum	VERB
fsr-4057	163	28	the	the	DET
fsr-4057	163	29	number	number	NOUN
fsr-4057	163	30	of	of	ADP
fsr-4057	163	31	times	time	NOUN
fsr-4057	163	32	a	a	DET
fsr-4057	163	33	related	related	ADJ
fsr-4057	163	34	thought	thought	NOUN
fsr-4057	163	35	category	category	NOUN
fsr-4057	163	36	within	within	ADP
fsr-4057	163	37	the	the	DET
fsr-4057	163	38	thought	thought	NOUN
fsr-4057	163	39	domain	domain	NOUN
fsr-4057	163	40	was	be	AUX
fsr-4057	163	41	mentioned	mention	VERB
fsr-4057	163	42	or	or	CCONJ
fsr-4057	163	43	expressed	express	VERB
fsr-4057	163	44	in	in	ADP
fsr-4057	163	45	the	the	DET
fsr-4057	163	46	complaint	complaint	NOUN
fsr-4057	163	47	.	.	PUNCT
fsr-4057	164	1	this	this	DET
fsr-4057	164	2	approach	approach	NOUN
fsr-4057	164	3	to	to	ADP
fsr-4057	164	4	coding	code	VERB
fsr-4057	164	5	content	content	NOUN
fsr-4057	164	6	analysis	analysis	NOUN
fsr-4057	164	7	output	output	NOUN
fsr-4057	164	8	for	for	ADP
fsr-4057	164	9	purposes	purpose	NOUN
fsr-4057	164	10	of	of	ADP
fsr-4057	164	11	subsequent	subsequent	ADJ
fsr-4057	164	12	quantitative	quantitative	ADJ
fsr-4057	164	13	analysis	analysis	NOUN
fsr-4057	164	14	is	be	AUX
fsr-4057	164	15	consistent	consistent	ADJ
fsr-4057	164	16	with	with	ADP
fsr-4057	164	17	prior	prior	ADJ
fsr-4057	164	18	consumer	consumer	NOUN
fsr-4057	164	19	research	research	NOUN
fsr-4057	164	20	studies	study	NOUN
fsr-4057	164	21	(	(	PUNCT
fsr-4057	164	22	estelami	estelami	PROPN
fsr-4057	164	23	&	&	CCONJ
fsr-4057	164	24	liu	liu	PROPN
fsr-4057	164	25	,	,	PUNCT
fsr-4057	164	26	2023	2023	NUM
fsr-4057	164	27	;	;	PUNCT
fsr-4057	164	28	pan	pan	PROPN
fsr-4057	164	29	&	&	CCONJ
fsr-4057	164	30	zhang	zhang	PROPN
fsr-4057	164	31	,	,	PUNCT
fsr-4057	164	32	2011	2011	NUM
fsr-4057	164	33	)	)	PUNCT
fsr-4057	164	34	.	.	PUNCT
fsr-4057	165	1	financial	financial	ADJ
fsr-4057	165	2	hardship	hardship	NOUN
fsr-4057	165	3	,	,	PUNCT
fsr-4057	165	4	which	which	PRON
fsr-4057	165	5	served	serve	VERB
fsr-4057	165	6	as	as	ADP
fsr-4057	165	7	the	the	DET
fsr-4057	165	8	dependent	dependent	ADJ
fsr-4057	165	9	variable	variable	NOUN
fsr-4057	165	10	in	in	ADP
fsr-4057	165	11	the	the	DET
fsr-4057	165	12	regression	regression	NOUN
fsr-4057	165	13	analysis	analysis	NOUN
fsr-4057	165	14	,	,	PUNCT
fsr-4057	165	15	was	be	AUX
fsr-4057	165	16	coded	code	VERB
fsr-4057	165	17	by	by	ADP
fsr-4057	165	18	adding	add	VERB
fsr-4057	165	19	the	the	DET
fsr-4057	165	20	number	number	NOUN
fsr-4057	165	21	of	of	ADP
fsr-4057	165	22	times	time	NOUN
fsr-4057	165	23	each	each	PRON
fsr-4057	165	24	of	of	ADP
fsr-4057	165	25	the	the	DET
fsr-4057	165	26	five	five	NUM
fsr-4057	165	27	underlying	underlying	ADJ
fsr-4057	165	28	thought	thought	NOUN
fsr-4057	165	29	categories	category	NOUN
fsr-4057	165	30	legal	legal	ADJ
fsr-4057	165	31	hardship	hardship	NOUN
fsr-4057	165	32	(	(	PUNCT
fsr-4057	165	33	e.g.	e.g.	ADV
fsr-4057	165	34	,	,	PUNCT
fsr-4057	165	35	tax	tax	NOUN
fsr-4057	165	36	issue	issue	NOUN
fsr-4057	165	37	)	)	PUNCT
fsr-4057	165	38	,	,	PUNCT
fsr-4057	165	39	funds	fund	NOUN
fsr-4057	165	40	problem	problem	NOUN
fsr-4057	165	41	(	(	PUNCT
fsr-4057	165	42	e.g.	e.g.	ADV
fsr-4057	165	43	,	,	PUNCT
fsr-4057	165	44	can	can	AUX
fsr-4057	165	45	not	not	PART
fsr-4057	165	46	access	access	VERB
fsr-4057	165	47	funds	fund	NOUN
fsr-4057	165	48	in	in	ADP
fsr-4057	165	49	account	account	NOUN
fsr-4057	165	50	)	)	PUNCT
fsr-4057	165	51	,	,	PUNCT
fsr-4057	165	52	account	account	NOUN
fsr-4057	165	53	blockage	blockage	NOUN
fsr-4057	165	54	(	(	PUNCT
fsr-4057	165	55	e.g.	e.g.	ADV
fsr-4057	165	56	,	,	PUNCT
fsr-4057	165	57	can	can	AUX
fsr-4057	165	58	not	not	PART
fsr-4057	165	59	open	open	VERB
fsr-4057	165	60	or	or	CCONJ
fsr-4057	165	61	reopen	reopen	VERB
fsr-4057	165	62	an	an	DET
fsr-4057	165	63	account	account	NOUN
fsr-4057	165	64	)	)	PUNCT
fsr-4057	165	65	,	,	PUNCT
fsr-4057	165	66	inability	inability	NOUN
fsr-4057	165	67	to	to	PART
fsr-4057	165	68	pay	pay	VERB
fsr-4057	165	69	(	(	PUNCT
fsr-4057	165	70	e.g.	e.g.	ADV
fsr-4057	165	71	,	,	PUNCT
fsr-4057	165	72	can	can	AUX
fsr-4057	165	73	not	not	PART
fsr-4057	165	74	pay	pay	VERB
fsr-4057	165	75	a	a	DET
fsr-4057	165	76	bill	bill	NOUN
fsr-4057	165	77	)	)	PUNCT
fsr-4057	165	78	,	,	PUNCT
fsr-4057	165	79	and/or	and/or	CCONJ
fsr-4057	165	80	credit	credit	NOUN
fsr-4057	165	81	blocked	block	VERB
fsr-4057	165	82	(	(	PUNCT
fsr-4057	165	83	e.g.	e.g.	ADV
fsr-4057	165	84	,	,	PUNCT
fsr-4057	165	85	consumer	consumer	NOUN
fsr-4057	165	86	credit	credit	NOUN
fsr-4057	165	87	issue	issue	NOUN
fsr-4057	165	88	)	)	PUNCT
fsr-4057	165	89	was	be	AUX
fsr-4057	165	90	found	find	VERB
fsr-4057	165	91	in	in	ADP
fsr-4057	165	92	the	the	DET
fsr-4057	165	93	complaint	complaint	NOUN
fsr-4057	165	94	report	report	NOUN
fsr-4057	165	95	.	.	PUNCT
fsr-4057	166	1	the	the	DET
fsr-4057	166	2	resulting	result	VERB
fsr-4057	166	3	score	score	NOUN
fsr-4057	166	4	ranged	range	VERB
fsr-4057	166	5	from	from	ADP
fsr-4057	166	6	0	0	NUM
fsr-4057	166	7	(	(	PUNCT
fsr-4057	166	8	in	in	ADP
fsr-4057	166	9	which	which	DET
fsr-4057	166	10	case	case	NOUN
fsr-4057	166	11	the	the	DET
fsr-4057	166	12	complainant	complainant	NOUN
fsr-4057	166	13	’s	’s	PART
fsr-4057	166	14	statement	statement	NOUN
fsr-4057	166	15	mentioned	mention	VERB
fsr-4057	166	16	none	none	NOUN
fsr-4057	166	17	of	of	ADP
fsr-4057	166	18	the	the	DET
fsr-4057	166	19	thought	thought	NOUN
fsr-4057	166	20	categories	category	NOUN
fsr-4057	166	21	)	)	PUNCT
fsr-4057	166	22	to	to	ADP
fsr-4057	166	23	4	4	NUM
fsr-4057	166	24	(	(	PUNCT
fsr-4057	166	25	after	after	ADP
fsr-4057	166	26	combining	combine	VERB
fsr-4057	166	27	one	one	NUM
fsr-4057	166	28	and	and	CCONJ
fsr-4057	166	29	two	two	NUM
fsr-4057	166	30	categories	category	NOUN
fsr-4057	166	31	)	)	PUNCT
fsr-4057	166	32	.	.	PUNCT
fsr-4057	167	1	the	the	DET
fsr-4057	167	2	antecedent	antecedent	NOUN
fsr-4057	167	3	variables	variable	NOUN
fsr-4057	167	4	were	be	AUX
fsr-4057	167	5	also	also	ADV
fsr-4057	167	6	quantified	quantify	VERB
fsr-4057	167	7	and	and	CCONJ
fsr-4057	167	8	used	use	VERB
fsr-4057	167	9	as	as	ADP
fsr-4057	167	10	independent	independent	ADJ
fsr-4057	167	11	variables	variable	NOUN
fsr-4057	167	12	.	.	PUNCT
fsr-4057	168	1	a	a	DET
fsr-4057	168	2	dichotomous	dichotomous	ADJ
fsr-4057	168	3	financial	financial	ADJ
fsr-4057	168	4	institution	institution	NOUN
fsr-4057	168	5	problem	problem	NOUN
fsr-4057	168	6	variable	variable	NOUN
fsr-4057	168	7	was	be	AUX
fsr-4057	168	8	created	create	VERB
fsr-4057	168	9	by	by	ADP
fsr-4057	168	10	noting	note	VERB
fsr-4057	168	11	whether	whether	SCONJ
fsr-4057	168	12	or	or	CCONJ
fsr-4057	168	13	not	not	PART
fsr-4057	168	14	each	each	PRON
fsr-4057	168	15	of	of	ADP
fsr-4057	168	16	the	the	DET
fsr-4057	168	17	associated	associate	VERB
fsr-4057	168	18	thought	think	VERB
fsr-4057	168	19	domains	domain	NOUN
fsr-4057	168	20	were	be	AUX
fsr-4057	168	21	expressed	express	VERB
fsr-4057	168	22	by	by	ADP
fsr-4057	168	23	the	the	DET
fsr-4057	168	24	complaint	complaint	NOUN
fsr-4057	168	25	(	(	PUNCT
fsr-4057	168	26	0	0	X
fsr-4057	168	27	=	=	PUNCT
fsr-4057	168	28	not	not	PART
fsr-4057	168	29	expressed	express	VERB
fsr-4057	168	30	,	,	PUNCT
fsr-4057	168	31	1	1	NUM
fsr-4057	168	32	=	=	NUM
fsr-4057	168	33	expressed	express	VERB
fsr-4057	168	34	)	)	PUNCT
fsr-4057	168	35	(	(	PUNCT
fsr-4057	168	36	i.e.	i.e.	X
fsr-4057	168	37	,	,	PUNCT
fsr-4057	168	38	incentive	incentive	NOUN
fsr-4057	168	39	problem	problem	NOUN
fsr-4057	168	40	,	,	PUNCT
fsr-4057	168	41	account	account	NOUN
fsr-4057	168	42	transaction	transaction	NOUN
fsr-4057	168	43	problem	problem	NOUN
fsr-4057	168	44	,	,	PUNCT
fsr-4057	168	45	account	account	NOUN
fsr-4057	168	46	features	feature	NOUN
fsr-4057	168	47	problem	problem	NOUN
fsr-4057	168	48	,	,	PUNCT
fsr-4057	168	49	funds	fund	NOUN
fsr-4057	168	50	issue	issue	NOUN
fsr-4057	168	51	,	,	PUNCT
fsr-4057	168	52	fee	fee	NOUN
fsr-4057	168	53	issue	issue	NOUN
fsr-4057	168	54	,	,	PUNCT
fsr-4057	168	55	policy	policy	NOUN
fsr-4057	168	56	or	or	CCONJ
fsr-4057	168	57	procedure	procedure	NOUN
fsr-4057	168	58	issue	issue	NOUN
fsr-4057	168	59	,	,	PUNCT
fsr-4057	168	60	fraud	fraud	NOUN
fsr-4057	168	61	issue	issue	NOUN
fsr-4057	168	62	,	,	PUNCT
fsr-4057	168	63	or	or	CCONJ
fsr-4057	168	64	problem	problem	NOUN
fsr-4057	168	65	with	with	ADP
fsr-4057	168	66	automatic	automatic	ADJ
fsr-4057	168	67	teller	teller	NOUN
fsr-4057	168	68	machine	machine	NOUN
fsr-4057	168	69	(	(	PUNCT
fsr-4057	168	70	atm	atm	NOUN
fsr-4057	168	71	)	)	PUNCT
fsr-4057	168	72	)	)	PUNCT
fsr-4057	168	73	.	.	PUNCT
fsr-4057	169	1	in	in	ADP
fsr-4057	169	2	the	the	DET
fsr-4057	169	3	same	same	ADJ
fsr-4057	169	4	way	way	NOUN
fsr-4057	169	5	,	,	PUNCT
fsr-4057	169	6	a	a	DET
fsr-4057	169	7	dichotomous	dichotomous	ADJ
fsr-4057	169	8	unsatisfactory	unsatisfactory	ADJ
fsr-4057	169	9	customer	customer	NOUN
fsr-4057	169	10	service	service	NOUN
fsr-4057	169	11	variable	variable	NOUN
fsr-4057	169	12	was	be	AUX
fsr-4057	169	13	created	create	VERB
fsr-4057	169	14	by	by	ADP
fsr-4057	169	15	noting	note	VERB
fsr-4057	169	16	whether	whether	SCONJ
fsr-4057	169	17	or	or	CCONJ
fsr-4057	169	18	not	not	PART
fsr-4057	169	19	each	each	PRON
fsr-4057	169	20	of	of	ADP
fsr-4057	169	21	the	the	DET
fsr-4057	169	22	associated	associate	VERB
fsr-4057	169	23	thought	think	VERB
fsr-4057	169	24	domains	domain	NOUN
fsr-4057	169	25	were	be	AUX
fsr-4057	169	26	mentioned	mention	VERB
fsr-4057	169	27	in	in	ADP
fsr-4057	169	28	the	the	DET
fsr-4057	169	29	complaint	complaint	NOUN
fsr-4057	169	30	(	(	PUNCT
fsr-4057	169	31	i.e.	i.e.	X
fsr-4057	169	32	,	,	PUNCT
fsr-4057	169	33	issues	issue	NOUN
fsr-4057	169	34	with	with	ADP
fsr-4057	169	35	provided	provide	VERB
fsr-4057	169	36	information	information	NOUN
fsr-4057	169	37	,	,	PUNCT
fsr-4057	169	38	weak	weak	ADJ
fsr-4057	169	39	engagement	engagement	NOUN
fsr-4057	169	40	,	,	PUNCT
fsr-4057	169	41	undesirable	undesirable	ADJ
fsr-4057	169	42	action	action	NOUN
fsr-4057	169	43	,	,	PUNCT
fsr-4057	169	44	inability	inability	NOUN
fsr-4057	169	45	to	to	PART
fsr-4057	169	46	solve	solve	VERB
fsr-4057	169	47	problems	problem	NOUN
fsr-4057	169	48	,	,	PUNCT
fsr-4057	169	49	and	and	CCONJ
fsr-4057	169	50	discriminatory	discriminatory	ADJ
fsr-4057	169	51	behavior	behavior	NOUN
fsr-4057	169	52	)	)	PUNCT
fsr-4057	169	53	.	.	PUNCT
fsr-4057	170	1	dichotomous	dichotomous	ADJ
fsr-4057	170	2	variables	variable	NOUN
fsr-4057	170	3	were	be	AUX
fsr-4057	170	4	also	also	ADV
fsr-4057	170	5	created	create	VERB
fsr-4057	170	6	for	for	ADP
fsr-4057	170	7	consumer	consumer	NOUN
fsr-4057	170	8	vulnerabilities	vulnerability	NOUN
fsr-4057	170	9	(	(	PUNCT
fsr-4057	170	10	i.e.	i.e.	X
fsr-4057	170	11	,	,	PUNCT
fsr-4057	170	12	pre	pre	ADJ
fsr-4057	170	13	-	-	ADJ
fsr-4057	170	14	existing	exist	VERB
fsr-4057	170	15	financial	financial	ADJ
fsr-4057	170	16	shocks	shock	NOUN
fsr-4057	170	17	,	,	PUNCT
fsr-4057	170	18	demographic	demographic	ADJ
fsr-4057	170	19	factors	factor	NOUN
fsr-4057	170	20	,	,	PUNCT
fsr-4057	170	21	and	and	CCONJ
fsr-4057	170	22	situational	situational	ADJ
fsr-4057	170	23	issues	issue	NOUN
fsr-4057	170	24	)	)	PUNCT
fsr-4057	170	25	.	.	PUNCT
fsr-4057	171	1	two	two	NUM
fsr-4057	171	2	demographic	demographic	ADJ
fsr-4057	171	3	variables	variable	NOUN
fsr-4057	171	4	were	be	AUX
fsr-4057	171	5	identified	identify	VERB
fsr-4057	171	6	in	in	ADP
fsr-4057	171	7	the	the	DET
fsr-4057	171	8	complaint	complaint	NOUN
fsr-4057	171	9	filing	filing	NOUN
fsr-4057	171	10	process	process	NOUN
fsr-4057	171	11	and	and	CCONJ
fsr-4057	171	12	included	include	VERB
fsr-4057	171	13	in	in	ADP
fsr-4057	171	14	the	the	DET
fsr-4057	171	15	model	model	NOUN
fsr-4057	171	16	as	as	ADP
fsr-4057	171	17	control	control	NOUN
fsr-4057	171	18	variables	variable	NOUN
fsr-4057	171	19	:	:	PUNCT
fsr-4057	171	20	older	old	ADJ
fsr-4057	171	21	adults	adult	NOUN
fsr-4057	171	22	(	(	PUNCT
fsr-4057	171	23	0	0	NUM
fsr-4057	171	24	=	=	VERB
fsr-4057	171	25	non	non	X
fsr-4057	171	26	older	old	ADJ
fsr-4057	171	27	adult	adult	NOUN
fsr-4057	171	28	,	,	PUNCT
fsr-4057	171	29	1	1	NUM
fsr-4057	171	30	=	=	SYM
fsr-4057	171	31	older	old	ADJ
fsr-4057	171	32	adult	adult	NOUN
fsr-4057	171	33	)	)	PUNCT
fsr-4057	171	34	,	,	PUNCT
fsr-4057	171	35	and	and	CCONJ
fsr-4057	171	36	armed	armed	ADJ
fsr-4057	171	37	forces	force	NOUN
fsr-4057	171	38	member	member	NOUN
fsr-4057	171	39	or	or	CCONJ
fsr-4057	171	40	veteran	veteran	NOUN
fsr-4057	171	41	(	(	PUNCT
fsr-4057	171	42	0	0	NUM
fsr-4057	171	43	=	=	SYM
fsr-4057	171	44	nonmember	nonmember	X
fsr-4057	171	45	,	,	PUNCT
fsr-4057	171	46	1	1	NUM
fsr-4057	171	47	=	=	SYM
fsr-4057	171	48	member	member	NOUN
fsr-4057	171	49	)	)	PUNCT
fsr-4057	171	50	.	.	PUNCT
fsr-4057	172	1	as	as	SCONJ
fsr-4057	172	2	can	can	AUX
fsr-4057	172	3	be	be	AUX
fsr-4057	172	4	seen	see	VERB
fsr-4057	172	5	from	from	ADP
fsr-4057	172	6	table	table	NOUN
fsr-4057	172	7	3	3	NUM
fsr-4057	172	8	,	,	PUNCT
fsr-4057	172	9	the	the	DET
fsr-4057	172	10	model	model	NOUN
fsr-4057	172	11	's	's	PART
fsr-4057	172	12	log	log	NOUN
fsr-4057	172	13	likelihood	likelihood	NOUN
fsr-4057	172	14	was	be	AUX
fsr-4057	172	15	-3273.54	-3273.54	PROPN
fsr-4057	172	16	.	.	PUNCT
fsr-4057	173	1	the	the	DET
fsr-4057	173	2	aic	aic	PROPN
fsr-4057	173	3	and	and	CCONJ
fsr-4057	173	4	bic	bic	PROPN
fsr-4057	173	5	were	be	AUX
fsr-4057	173	6	3.24	3.24	NUM
fsr-4057	173	7	and	and	CCONJ
fsr-4057	173	8	-11931.9	-11931.9	NOUN
fsr-4057	173	9	,	,	PUNCT
fsr-4057	173	10	respectively	respectively	ADV
fsr-4057	173	11	.	.	PUNCT
fsr-4057	174	1	the	the	DET
fsr-4057	174	2	model	model	NOUN
fsr-4057	174	3	deviance	deviance	NOUN
fsr-4057	174	4	was	be	AUX
fsr-4057	174	5	3436.77	3436.77	NUM
fsr-4057	174	6	,	,	PUNCT
fsr-4057	174	7	and	and	CCONJ
fsr-4057	174	8	the	the	DET
fsr-4057	174	9	pearson	pearson	PROPN
fsr-4057	174	10	chisquare	chisquare	PROPN
fsr-4057	174	11	was	be	AUX
fsr-4057	174	12	3207.40	3207.40	NUM
fsr-4057	174	13	.	.	PUNCT
fsr-4057	175	1	the	the	DET
fsr-4057	175	2	likelihood	likelihood	PROPN
fsr-4057	175	3	ratio	ratio	PROPN
fsr-4057	175	4	chisquare	chisquare	PROPN
fsr-4057	175	5	test	test	PROPN
fsr-4057	175	6	(	(	PUNCT
fsr-4057	175	7	χ²(11	χ²(11	PROPN
fsr-4057	175	8	)	)	PUNCT
fsr-4057	175	9	=	=	NOUN
fsr-4057	175	10	31.81	31.81	NUM
fsr-4057	175	11	,	,	PUNCT
fsr-4057	175	12	p	p	X
fsr-4057	175	13	<	<	X
fsr-4057	175	14	.001	.001	NUM
fsr-4057	175	15	)	)	PUNCT
fsr-4057	175	16	suggests	suggest	VERB
fsr-4057	175	17	that	that	SCONJ
fsr-4057	175	18	birkenmaier	birkenmaier	NOUN
fsr-4057	175	19	&	&	CCONJ
fsr-4057	175	20	stratman	stratman	PROPN
fsr-4057	175	21	27	27	NUM
fsr-4057	175	22	the	the	DET
fsr-4057	175	23	model	model	NOUN
fsr-4057	175	24	as	as	ADP
fsr-4057	175	25	a	a	DET
fsr-4057	175	26	whole	whole	NOUN
fsr-4057	175	27	is	be	AUX
fsr-4057	175	28	statistically	statistically	ADV
fsr-4057	175	29	significant	significant	ADJ
fsr-4057	175	30	compared	compare	VERB
fsr-4057	175	31	to	to	ADP
fsr-4057	175	32	an	an	DET
fsr-4057	175	33	intercept	intercept	NOUN
fsr-4057	175	34	-	-	PUNCT
fsr-4057	175	35	only	only	ADJ
fsr-4057	175	36	model	model	NOUN
fsr-4057	175	37	.	.	PUNCT
fsr-4057	176	1	regarding	regard	VERB
fsr-4057	176	2	the	the	DET
fsr-4057	176	3	thought	think	VERB
fsr-4057	176	4	domains	domain	NOUN
fsr-4057	176	5	,	,	PUNCT
fsr-4057	176	6	fraud	fraud	NOUN
fsr-4057	176	7	-	-	PUNCT
fsr-4057	176	8	related	relate	VERB
fsr-4057	176	9	issues	issue	NOUN
fsr-4057	176	10	were	be	AUX
fsr-4057	176	11	the	the	DET
fsr-4057	176	12	most	most	ADV
fsr-4057	176	13	strongly	strongly	ADV
fsr-4057	176	14	associated	associate	VERB
fsr-4057	176	15	with	with	ADP
fsr-4057	176	16	increased	increase	VERB
fsr-4057	176	17	financial	financial	ADJ
fsr-4057	176	18	hardship	hardship	NOUN
fsr-4057	176	19	.	.	PUNCT
fsr-4057	177	1	for	for	ADP
fsr-4057	177	2	each	each	DET
fsr-4057	177	3	one	one	NUM
fsr-4057	177	4	-	-	PUNCT
fsr-4057	177	5	unit	unit	NOUN
fsr-4057	177	6	increase	increase	NOUN
fsr-4057	177	7	in	in	ADP
fsr-4057	177	8	the	the	DET
fsr-4057	177	9	fraud	fraud	NOUN
fsr-4057	177	10	score	score	NOUN
fsr-4057	177	11	,	,	PUNCT
fsr-4057	177	12	the	the	DET
fsr-4057	177	13	odds	odd	NOUN
fsr-4057	177	14	of	of	ADP
fsr-4057	177	15	being	be	AUX
fsr-4057	177	16	in	in	ADP
fsr-4057	177	17	a	a	DET
fsr-4057	177	18	higher	high	ADJ
fsr-4057	177	19	financial	financial	ADJ
fsr-4057	177	20	hardship	hardship	NOUN
fsr-4057	177	21	category	category	NOUN
fsr-4057	177	22	increased	increase	VERB
fsr-4057	177	23	by	by	ADP
fsr-4057	177	24	120	120	NUM
fsr-4057	177	25	%	%	NOUN
fsr-4057	177	26	(	(	PUNCT
fsr-4057	177	27	or	or	CCONJ
fsr-4057	177	28	=	=	SYM
fsr-4057	177	29	2.20	2.20	NUM
fsr-4057	177	30	,	,	PUNCT
fsr-4057	177	31	95	95	NUM
fsr-4057	177	32	%	%	NOUN
fsr-4057	177	33	ci	ci	NOUN
fsr-4057	178	1	[	[	X
fsr-4057	178	2	1.97	1.97	NUM
fsr-4057	178	3	,	,	PUNCT
fsr-4057	178	4	2.46	2.46	NUM
fsr-4057	178	5	]	]	PUNCT
fsr-4057	178	6	,	,	PUNCT
fsr-4057	178	7	p	p	X
fsr-4057	178	8	<	<	X
fsr-4057	178	9	.001	.001	NUM
fsr-4057	178	10	)	)	PUNCT
fsr-4057	178	11	,	,	PUNCT
fsr-4057	178	12	holding	hold	VERB
fsr-4057	178	13	other	other	ADJ
fsr-4057	178	14	factors	factor	NOUN
fsr-4057	178	15	constant	constant	ADJ
fsr-4057	178	16	.	.	PUNCT
fsr-4057	179	1	for	for	ADP
fsr-4057	179	2	each	each	DET
fsr-4057	179	3	one	one	NUM
fsr-4057	179	4	-	-	PUNCT
fsr-4057	179	5	unit	unit	NOUN
fsr-4057	179	6	increase	increase	NOUN
fsr-4057	179	7	in	in	ADP
fsr-4057	179	8	the	the	DET
fsr-4057	179	9	atm	atm	NOUN
fsr-4057	179	10	score	score	NOUN
fsr-4057	179	11	,	,	PUNCT
fsr-4057	179	12	the	the	DET
fsr-4057	179	13	odds	odd	NOUN
fsr-4057	179	14	of	of	ADP
fsr-4057	179	15	being	be	AUX
fsr-4057	179	16	in	in	ADP
fsr-4057	179	17	a	a	DET
fsr-4057	179	18	higher	high	ADJ
fsr-4057	179	19	financial	financial	ADJ
fsr-4057	179	20	hardship	hardship	NOUN
fsr-4057	179	21	category	category	NOUN
fsr-4057	179	22	increased	increase	VERB
fsr-4057	179	23	by	by	ADP
fsr-4057	179	24	79	79	NUM
fsr-4057	179	25	%	%	NOUN
fsr-4057	179	26	(	(	PUNCT
fsr-4057	179	27	or	or	CCONJ
fsr-4057	179	28	=	=	SYM
fsr-4057	179	29	1.79	1.79	NUM
fsr-4057	179	30	,	,	PUNCT
fsr-4057	179	31	95	95	NUM
fsr-4057	179	32	ci	ci	NOUN
fsr-4057	180	1	[	[	X
fsr-4057	180	2	1.42	1.42	NUM
fsr-4057	180	3	,	,	PUNCT
fsr-4057	180	4	2.54	2.54	NUM
fsr-4057	180	5	,	,	PUNCT
fsr-4057	180	6	p<.001	p<.001	NOUN
fsr-4057	180	7	)	)	PUNCT
fsr-4057	180	8	,	,	PUNCT
fsr-4057	180	9	holding	hold	VERB
fsr-4057	180	10	other	other	ADJ
fsr-4057	180	11	factors	factor	NOUN
fsr-4057	180	12	constant	constant	ADJ
fsr-4057	180	13	.	.	PUNCT
fsr-4057	181	1	similarly	similarly	ADV
fsr-4057	181	2	,	,	PUNCT
fsr-4057	181	3	for	for	ADP
fsr-4057	181	4	each	each	DET
fsr-4057	181	5	one	one	NUM
fsr-4057	181	6	-	-	PUNCT
fsr-4057	181	7	unit	unit	NOUN
fsr-4057	181	8	increase	increase	NOUN
fsr-4057	181	9	in	in	ADP
fsr-4057	181	10	account	account	NOUN
fsr-4057	181	11	transaction	transaction	NOUN
fsr-4057	181	12	score	score	NOUN
fsr-4057	181	13	,	,	PUNCT
fsr-4057	181	14	the	the	DET
fsr-4057	181	15	odds	odd	NOUN
fsr-4057	181	16	of	of	ADP
fsr-4057	181	17	being	be	AUX
fsr-4057	181	18	in	in	ADP
fsr-4057	181	19	a	a	DET
fsr-4057	181	20	higher	high	ADJ
fsr-4057	181	21	financial	financial	ADJ
fsr-4057	181	22	hardship	hardship	NOUN
fsr-4057	181	23	category	category	NOUN
fsr-4057	181	24	increased	increase	VERB
fsr-4057	181	25	by	by	ADP
fsr-4057	181	26	71	71	NUM
fsr-4057	181	27	%	%	NOUN
fsr-4057	181	28	(	(	PUNCT
fsr-4057	181	29	or	or	CCONJ
fsr-4057	181	30	=	=	SYM
fsr-4057	181	31	1.71	1.71	NUM
fsr-4057	181	32	,	,	PUNCT
fsr-4057	181	33	95	95	NUM
fsr-4057	181	34	%	%	NOUN
fsr-4057	181	35	ci	ci	NOUN
fsr-4057	182	1	[	[	X
fsr-4057	182	2	1.55	1.55	NUM
fsr-4057	182	3	,	,	PUNCT
fsr-4057	182	4	1.89	1.89	NUM
fsr-4057	182	5	]	]	PUNCT
fsr-4057	182	6	,	,	PUNCT
fsr-4057	182	7	p	p	X
fsr-4057	182	8	<	<	X
fsr-4057	182	9	.001	.001	NUM
fsr-4057	182	10	)	)	PUNCT
fsr-4057	182	11	,	,	PUNCT
fsr-4057	182	12	holding	hold	VERB
fsr-4057	182	13	other	other	ADJ
fsr-4057	182	14	factors	factor	NOUN
fsr-4057	182	15	constant	constant	ADJ
fsr-4057	182	16	.	.	PUNCT
fsr-4057	183	1	an	an	DET
fsr-4057	183	2	increase	increase	NOUN
fsr-4057	183	3	in	in	ADP
fsr-4057	183	4	the	the	DET
fsr-4057	183	5	customer	customer	NOUN
fsr-4057	183	6	vulnerability	vulnerability	NOUN
fsr-4057	183	7	score	score	NOUN
fsr-4057	183	8	,	,	PUNCT
fsr-4057	183	9	account	account	NOUN
fsr-4057	183	10	access	access	NOUN
fsr-4057	183	11	and	and	CCONJ
fsr-4057	183	12	features	feature	VERB
fsr-4057	183	13	score	score	NOUN
fsr-4057	183	14	,	,	PUNCT
fsr-4057	183	15	and	and	CCONJ
fsr-4057	183	16	several	several	ADJ
fsr-4057	183	17	customer	customer	NOUN
fsr-4057	183	18	service	service	NOUN
fsr-4057	183	19	scores	score	NOUN
fsr-4057	183	20	(	(	PUNCT
fsr-4057	183	21	i.e.	i.e.	X
fsr-4057	183	22	,	,	PUNCT
fsr-4057	183	23	unable	unable	ADJ
fsr-4057	183	24	to	to	PART
fsr-4057	183	25	solve	solve	VERB
fsr-4057	183	26	problems	problem	NOUN
fsr-4057	183	27	,	,	PUNCT
fsr-4057	183	28	information	information	NOUN
fsr-4057	183	29	,	,	PUNCT
fsr-4057	183	30	and	and	CCONJ
fsr-4057	183	31	weak	weak	ADJ
fsr-4057	183	32	engagement	engagement	NOUN
fsr-4057	183	33	)	)	PUNCT
fsr-4057	183	34	also	also	ADV
fsr-4057	183	35	result	result	VERB
fsr-4057	183	36	in	in	ADP
fsr-4057	183	37	higher	high	ADJ
fsr-4057	183	38	odds	odd	NOUN
fsr-4057	183	39	(	(	PUNCT
fsr-4057	183	40	50	50	NUM
fsr-4057	183	41	%	%	NOUN
fsr-4057	183	42	12	12	NUM
fsr-4057	183	43	%	%	NOUN
fsr-4057	183	44	)	)	PUNCT
fsr-4057	183	45	of	of	ADP
fsr-4057	183	46	being	be	AUX
fsr-4057	183	47	in	in	ADP
fsr-4057	183	48	a	a	DET
fsr-4057	183	49	higher	high	ADJ
fsr-4057	183	50	hardship	hardship	NOUN
fsr-4057	183	51	category	category	NOUN
fsr-4057	183	52	.	.	PUNCT
fsr-4057	184	1	neither	neither	PRON
fsr-4057	184	2	of	of	ADP
fsr-4057	184	3	the	the	DET
fsr-4057	184	4	two	two	NUM
fsr-4057	184	5	demographic	demographic	ADJ
fsr-4057	184	6	variables	variable	NOUN
fsr-4057	184	7	captured	capture	VERB
fsr-4057	184	8	through	through	ADP
fsr-4057	184	9	the	the	DET
fsr-4057	184	10	cfpb	cfpb	NOUN
fsr-4057	184	11	complaint	complaint	NOUN
fsr-4057	184	12	filing	filing	NOUN
fsr-4057	184	13	system	system	NOUN
fsr-4057	184	14	,	,	PUNCT
fsr-4057	184	15	membership	membership	NOUN
fsr-4057	184	16	in	in	ADP
fsr-4057	184	17	the	the	DET
fsr-4057	184	18	u.s	u.s	PROPN
fsr-4057	184	19	.	.	PROPN
fsr-4057	184	20	armed	armed	ADJ
fsr-4057	184	21	forces	force	NOUN
fsr-4057	184	22	or	or	CCONJ
fsr-4057	184	23	veteran	veteran	NOUN
fsr-4057	184	24	,	,	PUNCT
fsr-4057	184	25	nor	nor	CCONJ
fsr-4057	184	26	being	be	AUX
fsr-4057	184	27	an	an	DET
fsr-4057	184	28	older	old	ADJ
fsr-4057	184	29	adult	adult	NOUN
fsr-4057	184	30	,	,	PUNCT
fsr-4057	184	31	has	have	VERB
fsr-4057	184	32	a	a	DET
fsr-4057	184	33	significant	significant	ADJ
fsr-4057	184	34	relationship	relationship	NOUN
fsr-4057	184	35	to	to	ADP
fsr-4057	184	36	financial	financial	ADJ
fsr-4057	184	37	hardship	hardship	NOUN
fsr-4057	184	38	.	.	PUNCT
fsr-4057	185	1	no	no	DET
fsr-4057	185	2	other	other	ADJ
fsr-4057	185	3	variables	variable	NOUN
fsr-4057	185	4	were	be	AUX
fsr-4057	185	5	omitted	omit	VERB
fsr-4057	185	6	from	from	ADP
fsr-4057	185	7	the	the	DET
fsr-4057	185	8	regression	regression	NOUN
fsr-4057	185	9	analysis	analysis	NOUN
fsr-4057	185	10	.	.	PUNCT
fsr-4057	186	1	financial	financial	ADJ
fsr-4057	186	2	services	service	NOUN
fsr-4057	186	3	review	review	PROPN
fsr-4057	186	4	,	,	PUNCT
fsr-4057	186	5	33(2	33(2	NUM
fsr-4057	186	6	)	)	PUNCT
fsr-4057	186	7	28	28	NUM
fsr-4057	186	8	table	table	NOUN
fsr-4057	186	9	3	3	NUM
fsr-4057	186	10	.	.	PUNCT
fsr-4057	186	11	logistic	logistic	ADJ
fsr-4057	186	12	regression	regression	NOUN
fsr-4057	186	13	results	result	NOUN
fsr-4057	186	14	(	(	PUNCT
fsr-4057	186	15	n=2030	n=2030	NOUN
fsr-4057	186	16	)	)	PUNCT
fsr-4057	186	17	predictor	predictor	NOUN
fsr-4057	186	18	odds	odd	VERB
fsr-4057	186	19	ratio	ratio	NOUN
fsr-4057	186	20	standard	standard	ADJ
fsr-4057	186	21	error	error	NOUN
fsr-4057	186	22	z	z	NOUN
fsr-4057	186	23	value	value	NOUN
fsr-4057	186	24	significance	significance	NOUN
fsr-4057	186	25	level	level	NOUN
fsr-4057	186	26	95	95	NUM
fsr-4057	186	27	%	%	NOUN
fsr-4057	186	28	confidence	confidence	NOUN
fsr-4057	186	29	interval	interval	NOUN
fsr-4057	186	30	intercept	intercept	VERB
fsr-4057	186	31	0.21	0.21	NUM
fsr-4057	186	32	0.01	0.01	NUM
fsr-4057	186	33	-28.68	-28.68	PROPN
fsr-4057	186	34	0.00	0.00	NUM
fsr-4057	186	35	0.19	0.19	NUM
fsr-4057	186	36	,	,	PUNCT
fsr-4057	186	37	0.23	0.23	NUM
fsr-4057	186	38	incentive	incentive	NOUN
fsr-4057	186	39	problem	problem	NOUN
fsr-4057	186	40	0.21	0.21	NUM
fsr-4057	186	41	0.04	0.04	NUM
fsr-4057	186	42	-9.27	-9.27	NUM
fsr-4057	186	43	0.00	0.00	NUM
fsr-4057	186	44	0.15	0.15	NUM
fsr-4057	186	45	,	,	PUNCT
fsr-4057	186	46	0.29	0.29	NUM
fsr-4057	186	47	account	account	NOUN
fsr-4057	186	48	transaction	transaction	NOUN
fsr-4057	186	49	problem	problem	NOUN
fsr-4057	186	50	1.72	1.72	NUM
fsr-4057	186	51	0.09	0.09	NUM
fsr-4057	186	52	10.82	10.82	NUM
fsr-4057	186	53	0.00	0.00	NUM
fsr-4057	186	54	1.55	1.55	NUM
fsr-4057	186	55	,	,	PUNCT
fsr-4057	186	56	1.89	1.89	NUM
fsr-4057	186	57	account	account	NOUN
fsr-4057	186	58	feature	feature	NOUN
fsr-4057	186	59	problem	problem	NOUN
fsr-4057	186	60	1.50	1.50	NUM
fsr-4057	186	61	0.07	0.07	NUM
fsr-4057	186	62	9.02	9.02	NUM
fsr-4057	186	63	0.00	0.00	NUM
fsr-4057	186	64	1.37	1.37	NUM
fsr-4057	186	65	,	,	PUNCT
fsr-4057	186	66	1.64	1.64	NUM
fsr-4057	186	67	funds	fund	NOUN
fsr-4057	186	68	withheld	withhold	VERB
fsr-4057	186	69	problem	problem	NOUN
fsr-4057	186	70	1.70	1.70	NUM
fsr-4057	186	71	0.08	0.08	NUM
fsr-4057	186	72	11.31	11.31	NUM
fsr-4057	186	73	0.00	0.00	NUM
fsr-4057	186	74	1.55	1.55	NUM
fsr-4057	186	75	,	,	PUNCT
fsr-4057	186	76	1.86	1.86	NUM
fsr-4057	186	77	fees	fee	NOUN
fsr-4057	186	78	problem	problem	NOUN
fsr-4057	186	79	0.72	0.72	NUM
fsr-4057	186	80	0.04	0.04	NUM
fsr-4057	186	81	-5.97	-5.97	NOUN
fsr-4057	186	82	0.00	0.00	NUM
fsr-4057	186	83	0.64	0.64	NUM
fsr-4057	186	84	,	,	PUNCT
fsr-4057	186	85	0.80	0.80	NUM
fsr-4057	186	86	fraud	fraud	NOUN
fsr-4057	186	87	problem	problem	NOUN
fsr-4057	186	88	2.20	2.20	NUM
fsr-4057	186	89	0.13	0.13	NUM
fsr-4057	186	90	13.86	13.86	NUM
fsr-4057	186	91	0.00	0.00	NUM
fsr-4057	186	92	2.0	2.0	NUM
fsr-4057	186	93	,	,	PUNCT
fsr-4057	186	94	2.47	2.47	NUM
fsr-4057	186	95	atm	atm	NOUN
fsr-4057	186	96	problem	problem	NOUN
fsr-4057	186	97	1.79	1.79	NUM
fsr-4057	186	98	0.21	0.21	NUM
fsr-4057	186	99	13.77	13.77	NUM
fsr-4057	186	100	0.00	0.00	NUM
fsr-4057	186	101	1.97	1.97	NUM
fsr-4057	186	102	,	,	PUNCT
fsr-4057	186	103	2.46	2.46	NUM
fsr-4057	186	104	information	information	NOUN
fsr-4057	186	105	problem	problem	NOUN
fsr-4057	186	106	1.14	1.14	NUM
fsr-4057	186	107	0.05	0.05	NUM
fsr-4057	186	108	2.99	2.99	NUM
fsr-4057	186	109	0.00	0.00	NUM
fsr-4057	186	110	1.05	1.05	NUM
fsr-4057	186	111	,	,	PUNCT
fsr-4057	186	112	1.24	1.24	NUM
fsr-4057	186	113	weak	weak	ADJ
fsr-4057	186	114	engagement	engagement	NOUN
fsr-4057	186	115	problem	problem	NOUN
fsr-4057	186	116	1.12	1.12	NUM
fsr-4057	186	117	0.05	0.05	NUM
fsr-4057	186	118	2.63	2.63	NUM
fsr-4057	186	119	0.00	0.00	NUM
fsr-4057	186	120	1.03	1.03	NUM
fsr-4057	186	121	,	,	PUNCT
fsr-4057	186	122	1.22	1.22	NUM
fsr-4057	186	123	staff	staff	NOUN
fsr-4057	186	124	unable	unable	ADJ
fsr-4057	186	125	to	to	PART
fsr-4057	186	126	solve	solve	VERB
fsr-4057	186	127	problem	problem	NOUN
fsr-4057	186	128	1.17	1.17	NUM
fsr-4057	186	129	0.08	0.08	NUM
fsr-4057	186	130	2.35	2.35	NUM
fsr-4057	186	131	0.02	0.02	NUM
fsr-4057	186	132	1.03	1.03	NUM
fsr-4057	186	133	,	,	PUNCT
fsr-4057	186	134	1.334	1.334	NUM
fsr-4057	186	135	consumer	consumer	NOUN
fsr-4057	186	136	vulnerability	vulnerability	NOUN
fsr-4057	186	137	1.50	1.50	NUM
fsr-4057	186	138	0.11	0.11	NUM
fsr-4057	186	139	6.97	6.97	NUM
fsr-4057	186	140	0.00	0.00	NUM
fsr-4057	186	141	1.33	1.33	NUM
fsr-4057	186	142	,	,	PUNCT
fsr-4057	186	143	1.68	1.68	NUM
fsr-4057	186	144	note	note	NOUN
fsr-4057	186	145	:	:	PUNCT
fsr-4057	186	146	(	(	PUNCT
fsr-4057	186	147	χ²(11	χ²(11	PROPN
fsr-4057	186	148	)	)	PUNCT
fsr-4057	186	149	=	=	NOUN
fsr-4057	187	1	31.81	31.81	NUM
fsr-4057	187	2	,	,	PUNCT
fsr-4057	187	3	p	p	X
fsr-4057	187	4	<	<	X
fsr-4057	187	5	.001	.001	NUM
fsr-4057	187	6	)	)	PUNCT
fsr-4057	187	7	birkenmaier	birkenmaier	NOUN
fsr-4057	187	8	&	&	CCONJ
fsr-4057	187	9	stratman	stratman	NOUN
fsr-4057	187	10	29	29	NUM
fsr-4057	187	11	discussion	discussion	NOUN
fsr-4057	187	12	this	this	DET
fsr-4057	187	13	study	study	NOUN
fsr-4057	187	14	aimed	aim	VERB
fsr-4057	187	15	to	to	ADP
fsr-4057	187	16	(	(	PUNCT
fsr-4057	187	17	1	1	X
fsr-4057	187	18	)	)	PUNCT
fsr-4057	187	19	characterize	characterize	VERB
fsr-4057	187	20	consumer	consumer	NOUN
fsr-4057	187	21	complaints	complaint	NOUN
fsr-4057	187	22	about	about	ADP
fsr-4057	187	23	their	their	PRON
fsr-4057	187	24	basic	basic	ADJ
fsr-4057	187	25	bank	bank	NOUN
fsr-4057	187	26	accounts	account	NOUN
fsr-4057	187	27	from	from	ADP
fsr-4057	187	28	large	large	ADJ
fsr-4057	187	29	u.s	u.s	PROPN
fsr-4057	187	30	.	.	PROPN
fsr-4057	187	31	financial	financial	ADJ
fsr-4057	187	32	institutions	institution	NOUN
fsr-4057	187	33	,	,	PUNCT
fsr-4057	187	34	and	and	CCONJ
fsr-4057	187	35	(	(	PUNCT
fsr-4057	187	36	2	2	X
fsr-4057	187	37	)	)	PUNCT
fsr-4057	187	38	examine	examine	VERB
fsr-4057	187	39	the	the	DET
fsr-4057	187	40	relationship	relationship	NOUN
fsr-4057	187	41	between	between	ADP
fsr-4057	187	42	consumer	consumer	NOUN
fsr-4057	187	43	problems	problem	NOUN
fsr-4057	187	44	with	with	ADP
fsr-4057	187	45	basic	basic	ADJ
fsr-4057	187	46	bank	bank	NOUN
fsr-4057	187	47	accounts	account	NOUN
fsr-4057	187	48	and	and	CCONJ
fsr-4057	187	49	financial	financial	ADJ
fsr-4057	187	50	hardship	hardship	NOUN
fsr-4057	187	51	.	.	PUNCT
fsr-4057	188	1	consistent	consistent	ADJ
fsr-4057	188	2	with	with	ADP
fsr-4057	188	3	the	the	DET
fsr-4057	188	4	integrative	integrative	ADJ
fsr-4057	188	5	consumer	consumer	NOUN
fsr-4057	188	6	vulnerability	vulnerability	NOUN
fsr-4057	188	7	framework	framework	NOUN
fsr-4057	188	8	and	and	CCONJ
fsr-4057	188	9	affect	affect	VERB
fsr-4057	188	10	control	control	NOUN
fsr-4057	188	11	theory	theory	NOUN
fsr-4057	188	12	,	,	PUNCT
fsr-4057	188	13	complaints	complaint	NOUN
fsr-4057	188	14	contained	contain	VERB
fsr-4057	188	15	emotional	emotional	ADJ
fsr-4057	188	16	elements	element	NOUN
fsr-4057	188	17	(	(	PUNCT
fsr-4057	188	18	emotional	emotional	ADJ
fsr-4057	188	19	hardship	hardship	NOUN
fsr-4057	188	20	meta	meta	ADJ
fsr-4057	188	21	-	-	PUNCT
fsr-4057	188	22	category	category	NOUN
fsr-4057	188	23	)	)	PUNCT
fsr-4057	188	24	,	,	PUNCT
fsr-4057	188	25	practical	practical	ADJ
fsr-4057	188	26	elements	element	NOUN
fsr-4057	188	27	(	(	PUNCT
fsr-4057	188	28	financial	financial	ADJ
fsr-4057	188	29	institution	institution	NOUN
fsr-4057	188	30	problem	problem	VERB
fsr-4057	188	31	meta	meta	ADJ
fsr-4057	188	32	-	-	PUNCT
fsr-4057	188	33	category	category	NOUN
fsr-4057	188	34	)	)	PUNCT
fsr-4057	188	35	,	,	PUNCT
fsr-4057	188	36	and	and	CCONJ
fsr-4057	188	37	relational	relational	ADJ
fsr-4057	188	38	elements	element	NOUN
fsr-4057	188	39	(	(	PUNCT
fsr-4057	188	40	unsatisfactory	unsatisfactory	ADJ
fsr-4057	188	41	customer	customer	NOUN
fsr-4057	188	42	service	service	NOUN
fsr-4057	188	43	metacategory	metacategory	NOUN
fsr-4057	188	44	)	)	PUNCT
fsr-4057	188	45	.	.	PUNCT
fsr-4057	189	1	based	base	VERB
fsr-4057	189	2	on	on	ADP
fsr-4057	189	3	the	the	DET
fsr-4057	189	4	content	content	NOUN
fsr-4057	189	5	analysis	analysis	NOUN
fsr-4057	189	6	,	,	PUNCT
fsr-4057	189	7	the	the	DET
fsr-4057	189	8	largest	large	ADJ
fsr-4057	189	9	percent	percent	NOUN
fsr-4057	189	10	of	of	ADP
fsr-4057	189	11	consumer	consumer	NOUN
fsr-4057	189	12	complaints	complaint	NOUN
fsr-4057	189	13	about	about	ADP
fsr-4057	189	14	financial	financial	ADJ
fsr-4057	189	15	institution	institution	NOUN
fsr-4057	189	16	problems	problem	NOUN
fsr-4057	189	17	center	center	VERB
fsr-4057	189	18	on	on	ADP
fsr-4057	189	19	funds	fund	NOUN
fsr-4057	189	20	being	be	AUX
fsr-4057	189	21	withheld	withhold	VERB
fsr-4057	189	22	by	by	ADP
fsr-4057	189	23	the	the	DET
fsr-4057	189	24	financial	financial	ADJ
fsr-4057	189	25	institution	institution	NOUN
fsr-4057	189	26	,	,	PUNCT
fsr-4057	189	27	policy	policy	NOUN
fsr-4057	189	28	and	and	CCONJ
fsr-4057	189	29	procedure	procedure	NOUN
fsr-4057	189	30	problems	problem	NOUN
fsr-4057	189	31	,	,	PUNCT
fsr-4057	189	32	and	and	CCONJ
fsr-4057	189	33	bank	bank	NOUN
fsr-4057	189	34	account	account	NOUN
fsr-4057	189	35	access	access	NOUN
fsr-4057	189	36	.	.	PUNCT
fsr-4057	190	1	these	these	DET
fsr-4057	190	2	findings	finding	NOUN
fsr-4057	190	3	are	be	AUX
fsr-4057	190	4	consistent	consistent	ADJ
fsr-4057	190	5	with	with	ADP
fsr-4057	190	6	previous	previous	ADJ
fsr-4057	190	7	research	research	NOUN
fsr-4057	190	8	about	about	ADP
fsr-4057	190	9	highly	highly	ADV
fsr-4057	190	10	prevalent	prevalent	ADJ
fsr-4057	190	11	complaints	complaint	NOUN
fsr-4057	190	12	(	(	PUNCT
fsr-4057	190	13	gyamfi	gyamfi	NOUN
fsr-4057	190	14	et	et	PROPN
fsr-4057	190	15	al	al	PROPN
fsr-4057	190	16	.	.	PROPN
fsr-4057	190	17	,	,	PUNCT
fsr-4057	190	18	2016	2016	NUM
fsr-4057	190	19	;	;	PUNCT
fsr-4057	190	20	morgan	morgan	PROPN
fsr-4057	190	21	,	,	PUNCT
fsr-4057	190	22	2021	2021	NUM
fsr-4057	190	23	;	;	PUNCT
fsr-4057	190	24	nndwamato	nndwamato	NOUN
fsr-4057	190	25	,	,	PUNCT
fsr-4057	190	26	2018	2018	NUM
fsr-4057	190	27	;	;	PUNCT
fsr-4057	190	28	park	park	NOUN
fsr-4057	190	29	,	,	PUNCT
fsr-4057	190	30	2016	2016	NUM
fsr-4057	190	31	)	)	PUNCT
fsr-4057	190	32	.	.	PUNCT
fsr-4057	191	1	the	the	DET
fsr-4057	191	2	largest	large	ADJ
fsr-4057	191	3	percentage	percentage	NOUN
fsr-4057	191	4	of	of	ADP
fsr-4057	191	5	customer	customer	NOUN
fsr-4057	191	6	service	service	NOUN
fsr-4057	191	7	complaints	complaint	NOUN
fsr-4057	191	8	are	be	AUX
fsr-4057	191	9	due	due	ADJ
fsr-4057	191	10	to	to	ADP
fsr-4057	191	11	weak	weak	ADJ
fsr-4057	191	12	engagement	engagement	NOUN
fsr-4057	191	13	and	and	CCONJ
fsr-4057	191	14	poor	poor	ADJ
fsr-4057	191	15	quality	quality	NOUN
fsr-4057	191	16	information	information	NOUN
fsr-4057	191	17	,	,	PUNCT
fsr-4057	191	18	also	also	ADV
fsr-4057	191	19	consistent	consistent	ADJ
fsr-4057	191	20	with	with	ADP
fsr-4057	191	21	prior	prior	ADJ
fsr-4057	191	22	research	research	NOUN
fsr-4057	191	23	(	(	PUNCT
fsr-4057	191	24	cfpb	cfpb	NOUN
fsr-4057	191	25	,	,	PUNCT
fsr-4057	191	26	2023a	2023a	NUM
fsr-4057	191	27	)	)	PUNCT
fsr-4057	191	28	.	.	PUNCT
fsr-4057	192	1	the	the	DET
fsr-4057	192	2	results	result	NOUN
fsr-4057	192	3	of	of	ADP
fsr-4057	192	4	this	this	DET
fsr-4057	192	5	study	study	NOUN
fsr-4057	192	6	highlight	highlight	VERB
fsr-4057	192	7	the	the	DET
fsr-4057	192	8	negative	negative	ADJ
fsr-4057	192	9	financial	financial	ADJ
fsr-4057	192	10	hardships	hardship	NOUN
fsr-4057	192	11	associated	associate	VERB
fsr-4057	192	12	with	with	ADP
fsr-4057	192	13	specific	specific	ADJ
fsr-4057	192	14	types	type	NOUN
fsr-4057	192	15	of	of	ADP
fsr-4057	192	16	financial	financial	ADJ
fsr-4057	192	17	institution	institution	NOUN
fsr-4057	192	18	account	account	NOUN
fsr-4057	192	19	challenges	challenge	NOUN
fsr-4057	192	20	.	.	PUNCT
fsr-4057	193	1	findings	finding	NOUN
fsr-4057	193	2	suggest	suggest	VERB
fsr-4057	193	3	that	that	SCONJ
fsr-4057	193	4	problems	problem	NOUN
fsr-4057	193	5	with	with	ADP
fsr-4057	193	6	the	the	DET
fsr-4057	193	7	largest	large	ADJ
fsr-4057	193	8	impact	impact	NOUN
fsr-4057	193	9	on	on	ADP
fsr-4057	193	10	financial	financial	ADJ
fsr-4057	193	11	hardship	hardship	NOUN
fsr-4057	193	12	are	be	AUX
fsr-4057	193	13	fraud	fraud	NOUN
fsr-4057	193	14	or	or	CCONJ
fsr-4057	193	15	theft	theft	NOUN
fsr-4057	193	16	,	,	PUNCT
fsr-4057	193	17	the	the	DET
fsr-4057	193	18	use	use	NOUN
fsr-4057	193	19	of	of	ADP
fsr-4057	193	20	atms	atms	NOUN
fsr-4057	193	21	,	,	PUNCT
fsr-4057	193	22	and	and	CCONJ
fsr-4057	193	23	account	account	NOUN
fsr-4057	193	24	transactions	transaction	NOUN
fsr-4057	193	25	,	,	PUNCT
fsr-4057	193	26	which	which	PRON
fsr-4057	193	27	is	be	AUX
fsr-4057	193	28	also	also	ADV
fsr-4057	193	29	consistent	consistent	ADJ
fsr-4057	193	30	with	with	ADP
fsr-4057	193	31	previous	previous	ADJ
fsr-4057	193	32	research	research	NOUN
fsr-4057	193	33	(	(	PUNCT
fsr-4057	193	34	brenner	brenner	PROPN
fsr-4057	193	35	et	et	PROPN
fsr-4057	193	36	al	al	PROPN
fsr-4057	193	37	.	.	PROPN
fsr-4057	193	38	,	,	PUNCT
fsr-4057	193	39	2020	2020	NUM
fsr-4057	193	40	;	;	PUNCT
fsr-4057	193	41	lim	lim	PROPN
fsr-4057	193	42	&	&	CCONJ
fsr-4057	193	43	letkiewicz	letkiewicz	PROPN
fsr-4057	193	44	,	,	PUNCT
fsr-4057	193	45	2023	2023	NUM
fsr-4057	193	46	)	)	PUNCT
fsr-4057	193	47	.	.	PUNCT
fsr-4057	194	1	findings	finding	NOUN
fsr-4057	194	2	indicate	indicate	VERB
fsr-4057	194	3	that	that	SCONJ
fsr-4057	194	4	being	be	AUX
fsr-4057	194	5	a	a	DET
fsr-4057	194	6	consumer	consumer	NOUN
fsr-4057	194	7	with	with	ADP
fsr-4057	194	8	at	at	ADV
fsr-4057	194	9	least	least	ADV
fsr-4057	194	10	one	one	NUM
fsr-4057	194	11	type	type	NOUN
fsr-4057	194	12	of	of	ADP
fsr-4057	194	13	vulnerability	vulnerability	NOUN
fsr-4057	194	14	,	,	PUNCT
fsr-4057	194	15	such	such	ADJ
fsr-4057	194	16	as	as	ADP
fsr-4057	194	17	experiencing	experience	VERB
fsr-4057	194	18	a	a	DET
fsr-4057	194	19	preexisting	preexist	VERB
fsr-4057	194	20	financial	financial	ADJ
fsr-4057	194	21	shock	shock	NOUN
fsr-4057	194	22	(	(	PUNCT
fsr-4057	194	23	e.g.	e.g.	ADV
fsr-4057	194	24	,	,	PUNCT
fsr-4057	194	25	unemployment	unemployment	NOUN
fsr-4057	194	26	,	,	PUNCT
fsr-4057	194	27	divorce	divorce	NOUN
fsr-4057	194	28	)	)	PUNCT
fsr-4057	194	29	,	,	PUNCT
fsr-4057	194	30	embodying	embody	VERB
fsr-4057	194	31	or	or	CCONJ
fsr-4057	194	32	experiencing	experience	VERB
fsr-4057	194	33	certain	certain	ADJ
fsr-4057	194	34	demographic	demographic	ADJ
fsr-4057	194	35	factors	factor	NOUN
fsr-4057	194	36	(	(	PUNCT
fsr-4057	194	37	e.g.	e.g.	ADV
fsr-4057	194	38	,	,	PUNCT
fsr-4057	194	39	single	single	ADJ
fsr-4057	194	40	parenthood	parenthood	NOUN
fsr-4057	194	41	,	,	PUNCT
fsr-4057	194	42	belonging	belong	VERB
fsr-4057	194	43	to	to	ADP
fsr-4057	194	44	a	a	DET
fsr-4057	194	45	racialized	racialize	VERB
fsr-4057	194	46	minority	minority	NOUN
fsr-4057	194	47	group	group	NOUN
fsr-4057	194	48	)	)	PUNCT
fsr-4057	194	49	,	,	PUNCT
fsr-4057	194	50	and/or	and/or	CCONJ
fsr-4057	194	51	situational	situational	ADJ
fsr-4057	194	52	factors	factor	NOUN
fsr-4057	194	53	also	also	ADV
fsr-4057	194	54	increases	increase	VERB
fsr-4057	194	55	the	the	DET
fsr-4057	194	56	odds	odd	NOUN
fsr-4057	194	57	of	of	ADP
fsr-4057	194	58	experiencing	experience	VERB
fsr-4057	194	59	financial	financial	ADJ
fsr-4057	194	60	hardship	hardship	NOUN
fsr-4057	194	61	.	.	PUNCT
fsr-4057	195	1	financial	financial	ADJ
fsr-4057	195	2	institution	institution	NOUN
fsr-4057	195	3	actions	action	NOUN
fsr-4057	195	4	to	to	PART
fsr-4057	195	5	mitigate	mitigate	VERB
fsr-4057	195	6	customer	customer	NOUN
fsr-4057	195	7	financial	financial	ADJ
fsr-4057	195	8	hardship	hardship	NOUN
fsr-4057	195	9	these	these	DET
fsr-4057	195	10	results	result	NOUN
fsr-4057	195	11	suggest	suggest	VERB
fsr-4057	195	12	that	that	SCONJ
fsr-4057	195	13	financial	financial	ADJ
fsr-4057	195	14	institutions	institution	NOUN
fsr-4057	195	15	can	can	AUX
fsr-4057	195	16	take	take	VERB
fsr-4057	195	17	actions	action	NOUN
fsr-4057	195	18	to	to	PART
fsr-4057	195	19	prevent	prevent	VERB
fsr-4057	195	20	and	and	CCONJ
fsr-4057	195	21	mitigate	mitigate	VERB
fsr-4057	195	22	customer	customer	NOUN
fsr-4057	195	23	financial	financial	ADJ
fsr-4057	195	24	hardship	hardship	NOUN
fsr-4057	195	25	related	relate	VERB
fsr-4057	195	26	to	to	ADP
fsr-4057	195	27	their	their	PRON
fsr-4057	195	28	bank	bank	NOUN
fsr-4057	195	29	account	account	NOUN
fsr-4057	195	30	.	.	PUNCT
fsr-4057	196	1	fraud	fraud	NOUN
fsr-4057	196	2	or	or	CCONJ
fsr-4057	196	3	theft	theft	NOUN
fsr-4057	196	4	financial	financial	ADJ
fsr-4057	196	5	institutions	institution	NOUN
fsr-4057	196	6	freezing	freeze	VERB
fsr-4057	196	7	or	or	CCONJ
fsr-4057	196	8	closing	closing	NOUN
fsr-4057	196	9	accounts	account	NOUN
fsr-4057	196	10	due	due	ADJ
fsr-4057	196	11	to	to	ADP
fsr-4057	196	12	suspected	suspect	VERB
fsr-4057	196	13	fraud	fraud	NOUN
fsr-4057	196	14	,	,	PUNCT
fsr-4057	196	15	then	then	ADV
fsr-4057	196	16	taking	take	VERB
fsr-4057	196	17	such	such	ADJ
fsr-4057	196	18	action	action	NOUN
fsr-4057	196	19	as	as	ADP
fsr-4057	196	20	reopening	reopen	VERB
fsr-4057	196	21	them	they	PRON
fsr-4057	196	22	without	without	ADP
fsr-4057	196	23	a	a	DET
fsr-4057	196	24	consumer	consumer	NOUN
fsr-4057	196	25	’s	’s	PART
fsr-4057	196	26	consent	consent	NOUN
fsr-4057	196	27	or	or	CCONJ
fsr-4057	196	28	knowledge	knowledge	NOUN
fsr-4057	196	29	(	(	PUNCT
fsr-4057	196	30	cfpb	cfpb	NOUN
fsr-4057	196	31	,	,	PUNCT
fsr-4057	196	32	2023c	2023c	NUM
fsr-4057	196	33	)	)	PUNCT
fsr-4057	196	34	,	,	PUNCT
fsr-4057	196	35	providing	provide	VERB
fsr-4057	196	36	little	little	ADJ
fsr-4057	196	37	information	information	NOUN
fsr-4057	196	38	or	or	CCONJ
fsr-4057	196	39	recourse	recourse	VERB
fsr-4057	196	40	to	to	ADP
fsr-4057	196	41	consumers	consumer	NOUN
fsr-4057	196	42	when	when	SCONJ
fsr-4057	196	43	limiting	limit	VERB
fsr-4057	196	44	access	access	NOUN
fsr-4057	196	45	to	to	ADP
fsr-4057	196	46	their	their	PRON
fsr-4057	196	47	funds	fund	NOUN
fsr-4057	196	48	,	,	PUNCT
fsr-4057	196	49	and	and	CCONJ
fsr-4057	196	50	levying	levy	VERB
fsr-4057	196	51	fees	fee	NOUN
fsr-4057	196	52	and	and	CCONJ
fsr-4057	196	53	fines	fine	NOUN
fsr-4057	196	54	related	relate	VERB
fsr-4057	196	55	to	to	ADP
fsr-4057	196	56	the	the	DET
fsr-4057	196	57	account	account	NOUN
fsr-4057	196	58	status	status	NOUN
fsr-4057	196	59	was	be	AUX
fsr-4057	196	60	the	the	DET
fsr-4057	196	61	topic	topic	NOUN
fsr-4057	196	62	of	of	ADP
fsr-4057	196	63	extensive	extensive	ADJ
fsr-4057	196	64	comments	comment	NOUN
fsr-4057	196	65	in	in	ADP
fsr-4057	196	66	the	the	DET
fsr-4057	196	67	dataset	dataset	NOUN
fsr-4057	196	68	.	.	PUNCT
fsr-4057	197	1	combined	combine	VERB
fsr-4057	197	2	with	with	ADP
fsr-4057	197	3	recent	recent	ADJ
fsr-4057	197	4	findings	finding	NOUN
fsr-4057	197	5	that	that	SCONJ
fsr-4057	197	6	the	the	DET
fsr-4057	197	7	vast	vast	ADJ
fsr-4057	197	8	majority	majority	NOUN
fsr-4057	197	9	of	of	ADP
fsr-4057	197	10	customers	customer	NOUN
fsr-4057	197	11	whose	whose	DET
fsr-4057	197	12	accounts	account	NOUN
fsr-4057	197	13	have	have	AUX
fsr-4057	197	14	been	be	AUX
fsr-4057	197	15	closed	close	VERB
fsr-4057	197	16	due	due	ADP
fsr-4057	197	17	to	to	ADP
fsr-4057	197	18	the	the	DET
fsr-4057	197	19	suspicion	suspicion	NOUN
fsr-4057	197	20	of	of	ADP
fsr-4057	197	21	fraud	fraud	NOUN
fsr-4057	197	22	are	be	AUX
fsr-4057	197	23	likely	likely	ADV
fsr-4057	197	24	innocent	innocent	ADJ
fsr-4057	197	25	of	of	ADP
fsr-4057	197	26	any	any	DET
fsr-4057	197	27	wrongdoing	wrongdoing	NOUN
fsr-4057	197	28	(	(	PUNCT
fsr-4057	197	29	bank	bank	NOUN
fsr-4057	197	30	policy	policy	NOUN
fsr-4057	197	31	institute	institute	NOUN
fsr-4057	197	32	,	,	PUNCT
fsr-4057	197	33	2018	2018	NUM
fsr-4057	197	34	,	,	PUNCT
fsr-4057	197	35	2024	2024	NUM
fsr-4057	197	36	)	)	PUNCT
fsr-4057	197	37	,	,	PUNCT
fsr-4057	197	38	these	these	DET
fsr-4057	197	39	results	result	NOUN
fsr-4057	197	40	can	can	AUX
fsr-4057	197	41	spur	spur	VERB
fsr-4057	197	42	internal	internal	ADJ
fsr-4057	197	43	examination	examination	NOUN
fsr-4057	197	44	and	and	CCONJ
fsr-4057	197	45	discussion	discussion	NOUN
fsr-4057	197	46	about	about	ADP
fsr-4057	197	47	policies	policy	NOUN
fsr-4057	197	48	,	,	PUNCT
fsr-4057	197	49	procedures	procedure	NOUN
fsr-4057	197	50	,	,	PUNCT
fsr-4057	197	51	and	and	CCONJ
fsr-4057	197	52	software	software	NOUN
fsr-4057	197	53	and	and	CCONJ
fsr-4057	197	54	related	relate	VERB
fsr-4057	197	55	technology	technology	NOUN
fsr-4057	197	56	related	relate	VERB
fsr-4057	197	57	to	to	ADP
fsr-4057	197	58	suspected	suspect	VERB
fsr-4057	197	59	fraud	fraud	NOUN
fsr-4057	197	60	that	that	PRON
fsr-4057	197	61	align	align	VERB
fsr-4057	197	62	with	with	ADP
fsr-4057	197	63	federal	federal	ADJ
fsr-4057	197	64	law	law	NOUN
fsr-4057	197	65	,	,	PUNCT
fsr-4057	197	66	and	and	CCONJ
fsr-4057	197	67	are	be	AUX
fsr-4057	197	68	also	also	ADV
fsr-4057	197	69	more	more	ADV
fsr-4057	197	70	responsive	responsive	ADJ
fsr-4057	197	71	to	to	ADP
fsr-4057	197	72	customers	customer	NOUN
fsr-4057	197	73	.	.	PUNCT
fsr-4057	198	1	consumers	consumer	NOUN
fsr-4057	198	2	also	also	ADV
fsr-4057	198	3	frequently	frequently	ADV
fsr-4057	198	4	mentioned	mention	VERB
fsr-4057	198	5	dissatisfaction	dissatisfaction	NOUN
fsr-4057	198	6	with	with	ADP
fsr-4057	198	7	bank	bank	NOUN
fsr-4057	198	8	fraud	fraud	NOUN
fsr-4057	198	9	departments	department	NOUN
fsr-4057	198	10	such	such	ADJ
fsr-4057	198	11	as	as	ADP
fsr-4057	198	12	the	the	DET
fsr-4057	198	13	lack	lack	NOUN
fsr-4057	198	14	of	of	ADP
fsr-4057	198	15	opportunity	opportunity	NOUN
fsr-4057	198	16	to	to	PART
fsr-4057	198	17	communicate	communicate	VERB
fsr-4057	198	18	directly	directly	ADV
fsr-4057	198	19	with	with	ADP
fsr-4057	198	20	the	the	DET
fsr-4057	198	21	department	department	NOUN
fsr-4057	198	22	staff	staff	NOUN
fsr-4057	198	23	,	,	PUNCT
fsr-4057	198	24	inability	inability	NOUN
fsr-4057	198	25	to	to	PART
fsr-4057	198	26	learn	learn	VERB
fsr-4057	198	27	about	about	ADP
fsr-4057	198	28	the	the	DET
fsr-4057	198	29	evidence	evidence	NOUN
fsr-4057	198	30	being	be	AUX
fsr-4057	198	31	examined	examine	VERB
fsr-4057	198	32	in	in	ADP
fsr-4057	198	33	the	the	DET
fsr-4057	198	34	case	case	NOUN
fsr-4057	198	35	,	,	PUNCT
fsr-4057	198	36	or	or	CCONJ
fsr-4057	198	37	the	the	DET
fsr-4057	198	38	inability	inability	NOUN
fsr-4057	198	39	to	to	PART
fsr-4057	198	40	file	file	VERB
fsr-4057	198	41	a	a	DET
fsr-4057	198	42	grievance	grievance	NOUN
fsr-4057	198	43	(	(	PUNCT
fsr-4057	198	44	estelami	estelami	PROPN
fsr-4057	198	45	&	&	CCONJ
fsr-4057	198	46	liu	liu	PROPN
fsr-4057	198	47	,	,	PUNCT
fsr-4057	198	48	2024	2024	NUM
fsr-4057	198	49	)	)	PUNCT
fsr-4057	198	50	.	.	PUNCT
fsr-4057	199	1	other	other	ADJ
fsr-4057	199	2	common	common	ADJ
fsr-4057	199	3	fraud	fraud	NOUN
fsr-4057	199	4	complaints	complaint	NOUN
fsr-4057	199	5	related	relate	VERB
fsr-4057	199	6	to	to	ADP
fsr-4057	199	7	scams	scam	NOUN
fsr-4057	199	8	included	include	VERB
fsr-4057	199	9	situations	situation	NOUN
fsr-4057	199	10	in	in	ADP
fsr-4057	199	11	which	which	PRON
fsr-4057	199	12	customers	customer	NOUN
fsr-4057	199	13	were	be	AUX
fsr-4057	199	14	scammed	scamme	VERB
fsr-4057	199	15	by	by	ADP
fsr-4057	199	16	thieves	thief	NOUN
fsr-4057	199	17	pretending	pretend	VERB
fsr-4057	199	18	to	to	PART
fsr-4057	199	19	be	be	AUX
fsr-4057	199	20	bank	bank	NOUN
fsr-4057	199	21	staff	staff	NOUN
fsr-4057	199	22	,	,	PUNCT
fsr-4057	199	23	and	and	CCONJ
fsr-4057	199	24	lack	lack	NOUN
fsr-4057	199	25	of	of	ADP
fsr-4057	199	26	or	or	CCONJ
fsr-4057	199	27	slow	slow	ADJ
fsr-4057	199	28	bank	bank	NOUN
fsr-4057	199	29	reimbursement	reimbursement	NOUN
fsr-4057	199	30	from	from	ADP
fsr-4057	199	31	fraud	fraud	NOUN
fsr-4057	199	32	,	,	PUNCT
fsr-4057	199	33	which	which	PRON
fsr-4057	199	34	sometimes	sometimes	ADV
fsr-4057	199	35	prompted	prompt	VERB
fsr-4057	199	36	additional	additional	ADJ
fsr-4057	199	37	fees	fee	NOUN
fsr-4057	199	38	from	from	ADP
fsr-4057	199	39	merchants	merchant	NOUN
fsr-4057	199	40	.	.	PUNCT
fsr-4057	200	1	financial	financial	ADJ
fsr-4057	200	2	institutions	institution	NOUN
fsr-4057	200	3	could	could	AUX
fsr-4057	200	4	take	take	VERB
fsr-4057	200	5	actions	action	NOUN
fsr-4057	200	6	to	to	PART
fsr-4057	200	7	further	far	ADV
fsr-4057	200	8	educate	educate	VERB
fsr-4057	200	9	customers	customer	NOUN
fsr-4057	200	10	about	about	ADP
fsr-4057	200	11	common	common	ADJ
fsr-4057	200	12	fraud	fraud	NOUN
fsr-4057	200	13	threats	threat	NOUN
fsr-4057	200	14	,	,	PUNCT
fsr-4057	200	15	and	and	CCONJ
fsr-4057	200	16	alter	alter	VERB
fsr-4057	200	17	internal	internal	ADJ
fsr-4057	200	18	policies	policy	NOUN
fsr-4057	200	19	and	and	CCONJ
fsr-4057	200	20	procedures	procedure	NOUN
fsr-4057	200	21	to	to	PART
fsr-4057	200	22	provide	provide	VERB
fsr-4057	200	23	more	more	ADV
fsr-4057	200	24	helpful	helpful	ADJ
fsr-4057	200	25	responses	response	NOUN
fsr-4057	200	26	to	to	ADP
fsr-4057	200	27	customers	customer	NOUN
fsr-4057	200	28	who	who	PRON
fsr-4057	200	29	have	have	AUX
fsr-4057	200	30	experienced	experience	VERB
fsr-4057	200	31	such	such	ADJ
fsr-4057	200	32	fraud	fraud	NOUN
fsr-4057	200	33	(	(	PUNCT
fsr-4057	200	34	hsu	hsu	PROPN
fsr-4057	200	35	,	,	PUNCT
fsr-4057	200	36	2024	2024	NUM
fsr-4057	200	37	)	)	PUNCT
fsr-4057	200	38	.	.	PUNCT
fsr-4057	201	1	atm	atm	PROPN
fsr-4057	201	2	use	use	NOUN
fsr-4057	201	3	although	although	SCONJ
fsr-4057	201	4	there	there	PRON
fsr-4057	201	5	was	be	VERB
fsr-4057	201	6	a	a	DET
fsr-4057	201	7	small	small	ADJ
fsr-4057	201	8	percentage	percentage	NOUN
fsr-4057	201	9	of	of	ADP
fsr-4057	201	10	the	the	DET
fsr-4057	201	11	complaints	complaint	NOUN
fsr-4057	201	12	,	,	PUNCT
fsr-4057	201	13	the	the	DET
fsr-4057	201	14	problematic	problematic	ADJ
fsr-4057	201	15	use	use	NOUN
fsr-4057	201	16	of	of	ADP
fsr-4057	201	17	atms	atms	NOUN
fsr-4057	201	18	significantly	significantly	ADV
fsr-4057	201	19	raised	raise	VERB
fsr-4057	201	20	the	the	DET
fsr-4057	201	21	odds	odd	NOUN
fsr-4057	201	22	of	of	ADP
fsr-4057	201	23	being	be	AUX
fsr-4057	201	24	in	in	ADP
fsr-4057	201	25	a	a	DET
fsr-4057	201	26	higher	high	ADJ
fsr-4057	201	27	financial	financial	ADJ
fsr-4057	201	28	hardship	hardship	NOUN
fsr-4057	201	29	category	category	NOUN
fsr-4057	201	30	.	.	PUNCT
fsr-4057	202	1	these	these	DET
fsr-4057	202	2	study	study	NOUN
fsr-4057	202	3	results	result	NOUN
fsr-4057	202	4	highlight	highlight	VERB
fsr-4057	202	5	a	a	DET
fsr-4057	202	6	specific	specific	ADJ
fsr-4057	202	7	area	area	NOUN
fsr-4057	202	8	for	for	ADP
fsr-4057	202	9	which	which	PRON
fsr-4057	202	10	financial	financial	ADJ
fsr-4057	202	11	institutions	institution	NOUN
fsr-4057	202	12	may	may	AUX
fsr-4057	202	13	be	be	AUX
fsr-4057	202	14	able	able	ADJ
fsr-4057	202	15	to	to	PART
fsr-4057	202	16	take	take	VERB
fsr-4057	202	17	steps	step	NOUN
fsr-4057	202	18	internally	internally	ADV
fsr-4057	202	19	and	and	CCONJ
fsr-4057	202	20	fairly	fairly	ADV
fsr-4057	202	21	easily	easily	ADV
fsr-4057	202	22	to	to	PART
fsr-4057	202	23	reduce	reduce	VERB
fsr-4057	202	24	hardship	hardship	NOUN
fsr-4057	202	25	.	.	PUNCT
fsr-4057	203	1	based	base	VERB
fsr-4057	203	2	on	on	ADP
fsr-4057	203	3	the	the	DET
fsr-4057	203	4	content	content	NOUN
fsr-4057	203	5	analysis	analysis	NOUN
fsr-4057	203	6	,	,	PUNCT
fsr-4057	203	7	the	the	DET
fsr-4057	203	8	most	most	ADV
fsr-4057	203	9	frequently	frequently	ADV
fsr-4057	203	10	mentioned	mention	VERB
fsr-4057	203	11	issue	issue	NOUN
fsr-4057	203	12	was	be	AUX
fsr-4057	203	13	challenges	challenge	NOUN
fsr-4057	203	14	with	with	ADP
fsr-4057	203	15	malfunctioning	malfunction	VERB
fsr-4057	203	16	atms	atms	NOUN
fsr-4057	203	17	and	and	CCONJ
fsr-4057	203	18	the	the	DET
fsr-4057	203	19	difficulty	difficulty	NOUN
fsr-4057	203	20	in	in	ADP
fsr-4057	203	21	resolving	resolve	VERB
fsr-4057	203	22	the	the	DET
fsr-4057	203	23	issue	issue	NOUN
fsr-4057	203	24	with	with	ADP
fsr-4057	203	25	staff	staff	NOUN
fsr-4057	203	26	.	.	PUNCT
fsr-4057	204	1	specifically	specifically	ADV
fsr-4057	204	2	,	,	PUNCT
fsr-4057	204	3	a	a	DET
fsr-4057	204	4	number	number	NOUN
fsr-4057	204	5	of	of	ADP
fsr-4057	204	6	the	the	DET
fsr-4057	204	7	complaints	complaint	NOUN
fsr-4057	204	8	emerged	emerge	VERB
fsr-4057	204	9	after	after	ADP
fsr-4057	204	10	attempted	attempt	VERB
fsr-4057	204	11	atm	atm	NOUN
fsr-4057	204	12	deposits	deposit	NOUN
fsr-4057	204	13	funds	fund	NOUN
fsr-4057	204	14	,	,	PUNCT
fsr-4057	204	15	after	after	ADP
fsr-4057	204	16	which	which	PRON
fsr-4057	204	17	the	the	DET
fsr-4057	204	18	funds	fund	NOUN
fsr-4057	204	19	were	be	AUX
fsr-4057	204	20	not	not	PART
fsr-4057	204	21	reflected	reflect	VERB
fsr-4057	204	22	in	in	ADP
fsr-4057	204	23	the	the	DET
fsr-4057	204	24	account	account	NOUN
fsr-4057	204	25	total	total	NOUN
fsr-4057	204	26	.	.	PUNCT
fsr-4057	205	1	in	in	ADP
fsr-4057	205	2	these	these	DET
fsr-4057	205	3	complaints	complaint	NOUN
fsr-4057	205	4	,	,	PUNCT
fsr-4057	205	5	staff	staff	NOUN
fsr-4057	205	6	were	be	AUX
fsr-4057	205	7	often	often	ADV
fsr-4057	205	8	unable	unable	ADJ
fsr-4057	205	9	or	or	CCONJ
fsr-4057	205	10	unwilling	unwilling	ADJ
fsr-4057	205	11	to	to	PART
fsr-4057	205	12	assist	assist	VERB
fsr-4057	205	13	the	the	DET
fsr-4057	205	14	customer	customer	NOUN
fsr-4057	205	15	for	for	ADP
fsr-4057	205	16	several	several	ADJ
fsr-4057	205	17	financial	financial	ADJ
fsr-4057	205	18	services	service	NOUN
fsr-4057	205	19	review	review	NOUN
fsr-4057	205	20	,	,	PUNCT
fsr-4057	205	21	33(2	33(2	NUM
fsr-4057	205	22	)	)	PUNCT
fsr-4057	205	23	30	30	NUM
fsr-4057	205	24	reasons	reason	NOUN
fsr-4057	205	25	that	that	PRON
fsr-4057	205	26	seemed	seem	VERB
fsr-4057	205	27	unreasonable	unreasonable	ADJ
fsr-4057	205	28	to	to	ADP
fsr-4057	205	29	the	the	DET
fsr-4057	205	30	customer	customer	NOUN
fsr-4057	205	31	(	(	PUNCT
fsr-4057	205	32	e.g.	e.g.	ADV
fsr-4057	205	33	,	,	PUNCT
fsr-4057	205	34	the	the	DET
fsr-4057	205	35	customer	customer	NOUN
fsr-4057	205	36	was	be	AUX
fsr-4057	205	37	told	tell	VERB
fsr-4057	205	38	that	that	SCONJ
fsr-4057	205	39	the	the	DET
fsr-4057	205	40	atm	atm	NOUN
fsr-4057	205	41	was	be	AUX
fsr-4057	205	42	owned	own	VERB
fsr-4057	205	43	by	by	ADP
fsr-4057	205	44	a	a	DET
fsr-4057	205	45	separate	separate	ADJ
fsr-4057	205	46	company	company	NOUN
fsr-4057	205	47	,	,	PUNCT
fsr-4057	205	48	the	the	DET
fsr-4057	205	49	video	video	NOUN
fsr-4057	205	50	of	of	ADP
fsr-4057	205	51	the	the	DET
fsr-4057	205	52	activity	activity	NOUN
fsr-4057	205	53	was	be	AUX
fsr-4057	205	54	not	not	PART
fsr-4057	205	55	available	available	ADJ
fsr-4057	205	56	to	to	ADP
fsr-4057	205	57	the	the	DET
fsr-4057	205	58	financial	financial	ADJ
fsr-4057	205	59	institution	institution	NOUN
fsr-4057	205	60	,	,	PUNCT
fsr-4057	205	61	or	or	CCONJ
fsr-4057	205	62	similar	similar	ADJ
fsr-4057	205	63	reasons	reason	NOUN
fsr-4057	205	64	)	)	PUNCT
fsr-4057	205	65	.	.	PUNCT
fsr-4057	206	1	changing	change	VERB
fsr-4057	206	2	atm	atm	NOUN
fsr-4057	206	3	practices	practice	NOUN
fsr-4057	206	4	to	to	PART
fsr-4057	206	5	increase	increase	VERB
fsr-4057	206	6	accountability	accountability	NOUN
fsr-4057	206	7	to	to	ADP
fsr-4057	206	8	the	the	DET
fsr-4057	206	9	customer	customer	NOUN
fsr-4057	206	10	for	for	ADP
fsr-4057	206	11	deposits	deposit	NOUN
fsr-4057	206	12	may	may	AUX
fsr-4057	206	13	reduce	reduce	VERB
fsr-4057	206	14	financial	financial	ADJ
fsr-4057	206	15	hardship	hardship	NOUN
fsr-4057	206	16	and	and	CCONJ
fsr-4057	206	17	these	these	DET
fsr-4057	206	18	types	type	NOUN
fsr-4057	206	19	of	of	ADP
fsr-4057	206	20	complaints	complaint	NOUN
fsr-4057	206	21	.	.	PUNCT
fsr-4057	207	1	customer	customer	NOUN
fsr-4057	207	2	service	service	NOUN
fsr-4057	207	3	issues	issue	NOUN
fsr-4057	207	4	three	three	NUM
fsr-4057	207	5	customer	customer	NOUN
fsr-4057	207	6	service	service	NOUN
fsr-4057	207	7	issues	issue	NOUN
fsr-4057	207	8	poor	poor	ADJ
fsr-4057	207	9	quality	quality	NOUN
fsr-4057	207	10	information	information	NOUN
fsr-4057	207	11	,	,	PUNCT
fsr-4057	207	12	weak	weak	ADJ
fsr-4057	207	13	engagement	engagement	NOUN
fsr-4057	207	14	,	,	PUNCT
fsr-4057	207	15	and	and	CCONJ
fsr-4057	207	16	inability	inability	NOUN
fsr-4057	207	17	to	to	PART
fsr-4057	207	18	solve	solve	VERB
fsr-4057	207	19	customer	customer	NOUN
fsr-4057	207	20	issues	issue	NOUN
fsr-4057	207	21	emerged	emerge	VERB
fsr-4057	207	22	as	as	ADP
fsr-4057	207	23	significant	significant	ADJ
fsr-4057	207	24	associations	association	NOUN
fsr-4057	207	25	with	with	ADP
fsr-4057	207	26	financial	financial	ADJ
fsr-4057	207	27	hardship	hardship	NOUN
fsr-4057	207	28	.	.	PUNCT
fsr-4057	208	1	for	for	ADP
fsr-4057	208	2	example	example	NOUN
fsr-4057	208	3	,	,	PUNCT
fsr-4057	208	4	complaints	complaint	NOUN
fsr-4057	208	5	included	include	VERB
fsr-4057	208	6	instances	instance	NOUN
fsr-4057	208	7	when	when	SCONJ
fsr-4057	208	8	marketing	marketing	NOUN
fsr-4057	208	9	or	or	CCONJ
fsr-4057	208	10	account	account	NOUN
fsr-4057	208	11	materials	material	NOUN
fsr-4057	208	12	,	,	PUNCT
fsr-4057	208	13	signage	signage	NOUN
fsr-4057	208	14	,	,	PUNCT
fsr-4057	208	15	or	or	CCONJ
fsr-4057	208	16	staff	staff	NOUN
fsr-4057	208	17	provided	provide	VERB
fsr-4057	208	18	wrong	wrong	ADJ
fsr-4057	208	19	or	or	CCONJ
fsr-4057	208	20	inadequate	inadequate	ADJ
fsr-4057	208	21	information	information	NOUN
fsr-4057	208	22	to	to	ADP
fsr-4057	208	23	customers	customer	NOUN
fsr-4057	208	24	;	;	PUNCT
fsr-4057	208	25	staff	staff	NOUN
fsr-4057	208	26	did	do	AUX
fsr-4057	208	27	not	not	PART
fsr-4057	208	28	offer	offer	VERB
fsr-4057	208	29	assistance	assistance	NOUN
fsr-4057	208	30	;	;	PUNCT
fsr-4057	208	31	staff	staff	NOUN
fsr-4057	208	32	failed	fail	VERB
fsr-4057	208	33	to	to	PART
fsr-4057	208	34	follow	follow	VERB
fsr-4057	208	35	through	through	ADP
fsr-4057	208	36	on	on	ADP
fsr-4057	208	37	verbal	verbal	ADJ
fsr-4057	208	38	commitments	commitment	NOUN
fsr-4057	208	39	to	to	PART
fsr-4057	208	40	contact	contact	VERB
fsr-4057	208	41	and/or	and/or	CCONJ
fsr-4057	208	42	assist	assist	VERB
fsr-4057	208	43	the	the	DET
fsr-4057	208	44	customer	customer	NOUN
fsr-4057	208	45	in	in	ADP
fsr-4057	208	46	some	some	DET
fsr-4057	208	47	manner	manner	NOUN
fsr-4057	208	48	;	;	PUNCT
fsr-4057	208	49	or	or	CCONJ
fsr-4057	208	50	staff	staff	NOUN
fsr-4057	208	51	used	use	VERB
fsr-4057	208	52	unprofessional	unprofessional	ADJ
fsr-4057	208	53	(	(	PUNCT
fsr-4057	208	54	i.e.	i.e.	X
fsr-4057	208	55	,	,	PUNCT
fsr-4057	208	56	rude	rude	ADJ
fsr-4057	208	57	or	or	CCONJ
fsr-4057	208	58	condescending	condescending	ADJ
fsr-4057	208	59	)	)	PUNCT
fsr-4057	208	60	language	language	NOUN
fsr-4057	208	61	and/or	and/or	CCONJ
fsr-4057	208	62	behavior	behavior	NOUN
fsr-4057	208	63	in	in	ADP
fsr-4057	208	64	their	their	PRON
fsr-4057	208	65	interaction	interaction	NOUN
fsr-4057	208	66	.	.	PUNCT
fsr-4057	209	1	customers	customer	NOUN
fsr-4057	209	2	also	also	ADV
fsr-4057	209	3	complained	complain	VERB
fsr-4057	209	4	about	about	ADP
fsr-4057	209	5	the	the	DET
fsr-4057	209	6	frustrations	frustration	NOUN
fsr-4057	209	7	of	of	ADP
fsr-4057	209	8	dealing	deal	VERB
fsr-4057	209	9	with	with	ADP
fsr-4057	209	10	unhelpful	unhelpful	ADJ
fsr-4057	209	11	automated	automate	VERB
fsr-4057	209	12	systems	system	NOUN
fsr-4057	209	13	and/or	and/or	CCONJ
fsr-4057	209	14	the	the	DET
fsr-4057	209	15	inability	inability	NOUN
fsr-4057	209	16	to	to	PART
fsr-4057	209	17	speak	speak	VERB
fsr-4057	209	18	to	to	ADP
fsr-4057	209	19	any	any	DET
fsr-4057	209	20	human	human	ADJ
fsr-4057	209	21	being	being	NOUN
fsr-4057	209	22	.	.	PUNCT
fsr-4057	210	1	all	all	DET
fsr-4057	210	2	these	these	DET
fsr-4057	210	3	challenges	challenge	NOUN
fsr-4057	210	4	point	point	VERB
fsr-4057	210	5	to	to	ADP
fsr-4057	210	6	the	the	DET
fsr-4057	210	7	need	need	NOUN
fsr-4057	210	8	for	for	ADP
fsr-4057	210	9	systemic	systemic	ADJ
fsr-4057	210	10	changes	change	NOUN
fsr-4057	210	11	in	in	ADP
fsr-4057	210	12	staffing	staffing	NOUN
fsr-4057	210	13	,	,	PUNCT
fsr-4057	210	14	staff	staff	NOUN
fsr-4057	210	15	training	training	NOUN
fsr-4057	210	16	,	,	PUNCT
fsr-4057	210	17	monitoring	monitoring	NOUN
fsr-4057	210	18	,	,	PUNCT
fsr-4057	210	19	as	as	ADV
fsr-4057	210	20	well	well	ADV
fsr-4057	210	21	as	as	ADP
fsr-4057	210	22	accountability	accountability	NOUN
fsr-4057	210	23	for	for	ADP
fsr-4057	210	24	customer	customer	NOUN
fsr-4057	210	25	service	service	NOUN
fsr-4057	210	26	complaints	complaint	NOUN
fsr-4057	210	27	.	.	PUNCT
fsr-4057	211	1	changes	change	NOUN
fsr-4057	211	2	at	at	ADP
fsr-4057	211	3	the	the	DET
fsr-4057	211	4	institutional	institutional	ADJ
fsr-4057	211	5	level	level	NOUN
fsr-4057	211	6	or	or	CCONJ
fsr-4057	211	7	the	the	DET
fsr-4057	211	8	regulation	regulation	NOUN
fsr-4057	211	9	level	level	NOUN
fsr-4057	211	10	that	that	PRON
fsr-4057	211	11	can	can	AUX
fsr-4057	211	12	significantly	significantly	ADV
fsr-4057	211	13	improve	improve	VERB
fsr-4057	211	14	the	the	DET
fsr-4057	211	15	(	(	PUNCT
fsr-4057	211	16	correct	correct	ADJ
fsr-4057	211	17	)	)	PUNCT
fsr-4057	211	18	information	information	NOUN
fsr-4057	211	19	flow	flow	NOUN
fsr-4057	211	20	to	to	ADP
fsr-4057	211	21	customers	customer	NOUN
fsr-4057	211	22	,	,	PUNCT
fsr-4057	211	23	perceived	perceive	VERB
fsr-4057	211	24	engagement	engagement	NOUN
fsr-4057	211	25	with	with	ADP
fsr-4057	211	26	their	their	PRON
fsr-4057	211	27	account	account	NOUN
fsr-4057	211	28	issues	issue	NOUN
fsr-4057	211	29	,	,	PUNCT
fsr-4057	211	30	and	and	CCONJ
fsr-4057	211	31	their	their	PRON
fsr-4057	211	32	ability	ability	NOUN
fsr-4057	211	33	to	to	PART
fsr-4057	211	34	problem	problem	VERB
fsr-4057	211	35	solve	solve	VERB
fsr-4057	211	36	in	in	ADP
fsr-4057	211	37	real	real	ADJ
fsr-4057	211	38	time	time	NOUN
fsr-4057	211	39	could	could	AUX
fsr-4057	211	40	decrease	decrease	VERB
fsr-4057	211	41	the	the	DET
fsr-4057	211	42	rate	rate	NOUN
fsr-4057	211	43	of	of	ADP
fsr-4057	211	44	customer	customer	NOUN
fsr-4057	211	45	service	service	NOUN
fsr-4057	211	46	complaints	complaint	NOUN
fsr-4057	211	47	about	about	ADP
fsr-4057	211	48	service	service	NOUN
fsr-4057	211	49	issues	issue	NOUN
fsr-4057	211	50	.	.	PUNCT
fsr-4057	212	1	policy	policy	NOUN
fsr-4057	212	2	implications	implication	NOUN
fsr-4057	212	3	these	these	DET
fsr-4057	212	4	results	result	NOUN
fsr-4057	212	5	provide	provide	VERB
fsr-4057	212	6	empirical	empirical	ADJ
fsr-4057	212	7	evidence	evidence	NOUN
fsr-4057	212	8	that	that	PRON
fsr-4057	212	9	can	can	AUX
fsr-4057	212	10	be	be	AUX
fsr-4057	212	11	useful	useful	ADJ
fsr-4057	212	12	in	in	ADP
fsr-4057	212	13	policy	policy	NOUN
fsr-4057	212	14	work	work	NOUN
fsr-4057	212	15	that	that	PRON
fsr-4057	212	16	impacts	impact	VERB
fsr-4057	212	17	issues	issue	NOUN
fsr-4057	212	18	mentioned	mention	VERB
fsr-4057	212	19	previously	previously	ADV
fsr-4057	212	20	.	.	PUNCT
fsr-4057	213	1	for	for	ADP
fsr-4057	213	2	example	example	NOUN
fsr-4057	213	3	,	,	PUNCT
fsr-4057	213	4	these	these	DET
fsr-4057	213	5	results	result	NOUN
fsr-4057	213	6	may	may	AUX
fsr-4057	213	7	assist	assist	VERB
fsr-4057	213	8	in	in	ADP
fsr-4057	213	9	efforts	effort	NOUN
fsr-4057	213	10	by	by	ADP
fsr-4057	213	11	industry	industry	NOUN
fsr-4057	213	12	and	and	CCONJ
fsr-4057	213	13	advocates	advocate	NOUN
fsr-4057	213	14	to	to	PART
fsr-4057	213	15	reshape	reshape	VERB
fsr-4057	213	16	federal	federal	ADJ
fsr-4057	213	17	law	law	NOUN
fsr-4057	213	18	regarding	regard	VERB
fsr-4057	213	19	the	the	DET
fsr-4057	213	20	ways	way	NOUN
fsr-4057	213	21	financial	financial	ADJ
fsr-4057	213	22	institutions	institution	NOUN
fsr-4057	213	23	are	be	AUX
fsr-4057	213	24	tasked	task	VERB
fsr-4057	213	25	with	with	ADP
fsr-4057	213	26	monitoring	monitoring	NOUN
fsr-4057	213	27	for	for	ADP
fsr-4057	213	28	terrorist	terrorist	ADJ
fsr-4057	213	29	financing	financing	NOUN
fsr-4057	213	30	,	,	PUNCT
fsr-4057	213	31	money	money	NOUN
fsr-4057	213	32	laundering	laundering	NOUN
fsr-4057	213	33	,	,	PUNCT
fsr-4057	213	34	and	and	CCONJ
fsr-4057	213	35	tax	tax	NOUN
fsr-4057	213	36	evasion	evasion	NOUN
fsr-4057	213	37	that	that	PRON
fsr-4057	213	38	can	can	AUX
fsr-4057	213	39	result	result	VERB
fsr-4057	213	40	in	in	ADP
fsr-4057	213	41	unnecessary	unnecessary	ADJ
fsr-4057	213	42	financial	financial	ADJ
fsr-4057	213	43	hardship	hardship	NOUN
fsr-4057	213	44	for	for	ADP
fsr-4057	213	45	consumers	consumer	NOUN
fsr-4057	213	46	(	(	PUNCT
fsr-4057	213	47	the	the	DET
fsr-4057	213	48	associations	association	NOUN
fsr-4057	213	49	,	,	PUNCT
fsr-4057	213	50	2024	2024	NUM
fsr-4057	213	51	;	;	PUNCT
fsr-4057	213	52	bank	bank	NOUN
fsr-4057	213	53	policy	policy	PROPN
fsr-4057	213	54	institute	institute	NOUN
fsr-4057	213	55	,	,	PUNCT
fsr-4057	213	56	2024	2024	NUM
fsr-4057	213	57	;	;	PUNCT
fsr-4057	213	58	jelisejevs	jelisejevs	ADJ
fsr-4057	213	59	,	,	PUNCT
fsr-4057	213	60	2021	2021	NUM
fsr-4057	213	61	)	)	PUNCT
fsr-4057	213	62	.	.	PUNCT
fsr-4057	214	1	among	among	ADP
fsr-4057	214	2	other	other	ADJ
fsr-4057	214	3	challenging	challenging	ADJ
fsr-4057	214	4	externalities	externality	NOUN
fsr-4057	214	5	,	,	PUNCT
fsr-4057	214	6	compliance	compliance	NOUN
fsr-4057	214	7	with	with	ADP
fsr-4057	214	8	current	current	ADJ
fsr-4057	214	9	law	law	NOUN
fsr-4057	214	10	can	can	AUX
fsr-4057	214	11	result	result	VERB
fsr-4057	214	12	in	in	ADP
fsr-4057	214	13	incidents	incident	NOUN
fsr-4057	214	14	of	of	ADP
fsr-4057	214	15	financial	financial	ADJ
fsr-4057	214	16	institutions	institution	NOUN
fsr-4057	214	17	closing	close	VERB
fsr-4057	214	18	consumer	consumer	NOUN
fsr-4057	214	19	bank	bank	NOUN
fsr-4057	214	20	accounts	account	VERB
fsr-4057	214	21	without	without	ADP
fsr-4057	214	22	notice	notice	NOUN
fsr-4057	214	23	or	or	CCONJ
fsr-4057	214	24	providing	provide	VERB
fsr-4057	214	25	a	a	DET
fsr-4057	214	26	reason	reason	NOUN
fsr-4057	214	27	to	to	ADP
fsr-4057	214	28	the	the	DET
fsr-4057	214	29	consumer	consumer	NOUN
fsr-4057	214	30	,	,	PUNCT
fsr-4057	214	31	resulting	result	VERB
fsr-4057	214	32	in	in	ADP
fsr-4057	214	33	financial	financial	ADJ
fsr-4057	214	34	hardship	hardship	NOUN
fsr-4057	214	35	.	.	PUNCT
fsr-4057	215	1	financial	financial	ADJ
fsr-4057	215	2	institutions	institution	NOUN
fsr-4057	215	3	and	and	CCONJ
fsr-4057	215	4	regulatory	regulatory	ADJ
fsr-4057	215	5	agencies	agency	NOUN
fsr-4057	215	6	could	could	AUX
fsr-4057	215	7	improve	improve	VERB
fsr-4057	215	8	fraud	fraud	NOUN
fsr-4057	215	9	protection	protection	NOUN
fsr-4057	215	10	by	by	ADP
fsr-4057	215	11	requiring	require	VERB
fsr-4057	215	12	real	real	ADJ
fsr-4057	215	13	-	-	PUNCT
fsr-4057	215	14	time	time	NOUN
fsr-4057	215	15	fraud	fraud	NOUN
fsr-4057	215	16	notifications	notification	NOUN
fsr-4057	215	17	,	,	PUNCT
fsr-4057	215	18	increasing	increase	VERB
fsr-4057	215	19	consumer	consumer	NOUN
fsr-4057	215	20	access	access	NOUN
fsr-4057	215	21	to	to	ADP
fsr-4057	215	22	fraud	fraud	NOUN
fsr-4057	215	23	departments	department	NOUN
fsr-4057	215	24	,	,	PUNCT
fsr-4057	215	25	supplying	supply	VERB
fsr-4057	215	26	guidance	guidance	NOUN
fsr-4057	215	27	on	on	ADP
fsr-4057	215	28	technology	technology	NOUN
fsr-4057	215	29	challenges	challenge	NOUN
fsr-4057	215	30	,	,	PUNCT
fsr-4057	215	31	and	and	CCONJ
fsr-4057	215	32	providing	provide	VERB
fsr-4057	215	33	faster	fast	ADJ
fsr-4057	215	34	provisional	provisional	ADJ
fsr-4057	215	35	credit	credit	NOUN
fsr-4057	215	36	during	during	ADP
fsr-4057	215	37	investigations	investigation	NOUN
fsr-4057	215	38	(	(	PUNCT
fsr-4057	215	39	hsu	hsu	PROPN
fsr-4057	215	40	,	,	PUNCT
fsr-4057	215	41	2024	2024	NUM
fsr-4057	215	42	)	)	PUNCT
fsr-4057	215	43	.	.	PUNCT
fsr-4057	216	1	results	result	NOUN
fsr-4057	216	2	also	also	ADV
fsr-4057	216	3	suggested	suggest	VERB
fsr-4057	216	4	the	the	DET
fsr-4057	216	5	need	need	NOUN
fsr-4057	216	6	to	to	PART
fsr-4057	216	7	standardize	standardize	VERB
fsr-4057	216	8	atm	atm	NOUN
fsr-4057	216	9	functionality	functionality	NOUN
fsr-4057	216	10	and	and	CCONJ
fsr-4057	216	11	accountability	accountability	NOUN
fsr-4057	216	12	requirements	requirement	NOUN
fsr-4057	216	13	.	.	PUNCT
fsr-4057	217	1	if	if	SCONJ
fsr-4057	217	2	regulators	regulator	NOUN
fsr-4057	217	3	were	be	AUX
fsr-4057	217	4	to	to	PART
fsr-4057	217	5	enforce	enforce	VERB
fsr-4057	217	6	standardized	standardized	ADJ
fsr-4057	217	7	protocols	protocol	NOUN
fsr-4057	217	8	across	across	ADP
fsr-4057	217	9	banks	bank	NOUN
fsr-4057	217	10	for	for	ADP
fsr-4057	217	11	handling	handle	VERB
fsr-4057	217	12	atm	atm	NOUN
fsr-4057	217	13	issues	issue	NOUN
fsr-4057	217	14	,	,	PUNCT
fsr-4057	217	15	including	include	VERB
fsr-4057	217	16	prompt	prompt	ADJ
fsr-4057	217	17	reconciliation	reconciliation	NOUN
fsr-4057	217	18	,	,	PUNCT
fsr-4057	217	19	consumers	consumer	NOUN
fsr-4057	217	20	could	could	AUX
fsr-4057	217	21	be	be	AUX
fsr-4057	217	22	assured	assure	VERB
fsr-4057	217	23	that	that	SCONJ
fsr-4057	217	24	the	the	DET
fsr-4057	217	25	problems	problem	NOUN
fsr-4057	217	26	highlighted	highlight	VERB
fsr-4057	217	27	in	in	ADP
fsr-4057	217	28	this	this	DET
fsr-4057	217	29	study	study	NOUN
fsr-4057	217	30	would	would	AUX
fsr-4057	217	31	be	be	AUX
fsr-4057	217	32	minimized	minimize	VERB
fsr-4057	217	33	(	(	PUNCT
fsr-4057	217	34	gyamfi	gyamfi	NOUN
fsr-4057	217	35	et	et	PROPN
fsr-4057	217	36	al	al	PROPN
fsr-4057	217	37	.	.	PROPN
fsr-4057	217	38	,	,	PUNCT
fsr-4057	217	39	2016	2016	NUM
fsr-4057	217	40	)	)	PUNCT
fsr-4057	217	41	.	.	PUNCT
fsr-4057	218	1	these	these	DET
fsr-4057	218	2	results	result	NOUN
fsr-4057	218	3	can	can	AUX
fsr-4057	218	4	also	also	ADV
fsr-4057	218	5	assist	assist	VERB
fsr-4057	218	6	in	in	ADP
fsr-4057	218	7	policy	policy	NOUN
fsr-4057	218	8	efforts	effort	NOUN
fsr-4057	218	9	to	to	PART
fsr-4057	218	10	improve	improve	VERB
fsr-4057	218	11	customer	customer	NOUN
fsr-4057	218	12	service	service	NOUN
fsr-4057	218	13	at	at	ADP
fsr-4057	218	14	banks	bank	NOUN
fsr-4057	218	15	.	.	PUNCT
fsr-4057	219	1	for	for	ADP
fsr-4057	219	2	example	example	NOUN
fsr-4057	219	3	,	,	PUNCT
fsr-4057	219	4	the	the	DET
fsr-4057	219	5	cfpb	cfpb	NOUN
fsr-4057	219	6	(	(	PUNCT
fsr-4057	219	7	2023d	2023d	NUM
fsr-4057	219	8	)	)	PUNCT
fsr-4057	219	9	issued	issue	VERB
fsr-4057	219	10	an	an	DET
fsr-4057	219	11	advisory	advisory	ADJ
fsr-4057	219	12	opinion	opinion	NOUN
fsr-4057	219	13	focused	focus	VERB
fsr-4057	219	14	on	on	ADP
fsr-4057	219	15	consumer	consumer	NOUN
fsr-4057	219	16	requests	request	NOUN
fsr-4057	219	17	for	for	ADP
fsr-4057	219	18	information	information	NOUN
fsr-4057	219	19	concerning	concern	VERB
fsr-4057	219	20	their	their	PRON
fsr-4057	219	21	bank	bank	NOUN
fsr-4057	219	22	accounts	account	NOUN
fsr-4057	219	23	.	.	PUNCT
fsr-4057	220	1	their	their	PRON
fsr-4057	220	2	ongoing	ongoing	ADJ
fsr-4057	220	3	efforts	effort	NOUN
fsr-4057	220	4	may	may	AUX
fsr-4057	220	5	address	address	VERB
fsr-4057	220	6	some	some	PRON
fsr-4057	220	7	of	of	ADP
fsr-4057	220	8	the	the	DET
fsr-4057	220	9	issues	issue	NOUN
fsr-4057	220	10	,	,	PUNCT
fsr-4057	220	11	but	but	CCONJ
fsr-4057	220	12	more	more	ADV
fsr-4057	220	13	is	be	AUX
fsr-4057	220	14	needed	need	VERB
fsr-4057	220	15	to	to	PART
fsr-4057	220	16	address	address	VERB
fsr-4057	220	17	other	other	ADJ
fsr-4057	220	18	types	type	NOUN
fsr-4057	220	19	of	of	ADP
fsr-4057	220	20	customer	customer	NOUN
fsr-4057	220	21	service	service	NOUN
fsr-4057	220	22	challenges	challenge	NOUN
fsr-4057	220	23	.	.	PUNCT
fsr-4057	221	1	the	the	DET
fsr-4057	221	2	cfpb	cfpb	NOUN
fsr-4057	221	3	’s	’s	PART
fsr-4057	221	4	ongoing	ongoing	ADJ
fsr-4057	221	5	regulatory	regulatory	ADJ
fsr-4057	221	6	actions	action	NOUN
fsr-4057	221	7	to	to	PART
fsr-4057	221	8	hold	hold	VERB
fsr-4057	221	9	banks	bank	NOUN
fsr-4057	221	10	accountable	accountable	ADJ
fsr-4057	221	11	for	for	ADP
fsr-4057	221	12	opening	open	VERB
fsr-4057	221	13	fake	fake	ADJ
fsr-4057	221	14	accounts	account	NOUN
fsr-4057	221	15	is	be	AUX
fsr-4057	221	16	critical	critical	ADJ
fsr-4057	221	17	for	for	ADP
fsr-4057	221	18	improving	improve	VERB
fsr-4057	221	19	consumer	consumer	NOUN
fsr-4057	221	20	trust	trust	NOUN
fsr-4057	221	21	(	(	PUNCT
fsr-4057	221	22	cfpb	cfpb	NOUN
fsr-4057	221	23	,	,	PUNCT
fsr-4057	221	24	2024	2024	NUM
fsr-4057	221	25	)	)	PUNCT
fsr-4057	221	26	,	,	PUNCT
fsr-4057	221	27	but	but	CCONJ
fsr-4057	221	28	penalties	penalty	NOUN
fsr-4057	221	29	must	must	AUX
fsr-4057	221	30	be	be	AUX
fsr-4057	221	31	examined	examine	VERB
fsr-4057	221	32	to	to	PART
fsr-4057	221	33	ensure	ensure	VERB
fsr-4057	221	34	that	that	SCONJ
fsr-4057	221	35	they	they	PRON
fsr-4057	221	36	are	be	AUX
fsr-4057	221	37	large	large	ADJ
fsr-4057	221	38	enough	enough	ADV
fsr-4057	221	39	to	to	PART
fsr-4057	221	40	be	be	AUX
fsr-4057	221	41	a	a	DET
fsr-4057	221	42	significant	significant	ADJ
fsr-4057	221	43	disincentive	disincentive	NOUN
fsr-4057	221	44	for	for	ADP
fsr-4057	221	45	repeat	repeat	NOUN
fsr-4057	221	46	behavior	behavior	NOUN
fsr-4057	221	47	.	.	PUNCT
fsr-4057	222	1	one	one	NUM
fsr-4057	222	2	possibility	possibility	NOUN
fsr-4057	222	3	is	be	AUX
fsr-4057	222	4	to	to	PART
fsr-4057	222	5	create	create	VERB
fsr-4057	222	6	an	an	DET
fsr-4057	222	7	industrywide	industrywide	ADJ
fsr-4057	222	8	customer	customer	NOUN
fsr-4057	222	9	service	service	NOUN
fsr-4057	222	10	standard	standard	NOUN
fsr-4057	222	11	for	for	ADP
fsr-4057	222	12	financial	financial	ADJ
fsr-4057	222	13	institutions	institution	NOUN
fsr-4057	222	14	that	that	PRON
fsr-4057	222	15	would	would	AUX
fsr-4057	222	16	establish	establish	VERB
fsr-4057	222	17	and	and	CCONJ
fsr-4057	222	18	enforce	enforce	VERB
fsr-4057	222	19	minimum	minimum	ADJ
fsr-4057	222	20	standards	standard	NOUN
fsr-4057	222	21	for	for	ADP
fsr-4057	222	22	timely	timely	ADJ
fsr-4057	222	23	responses	response	NOUN
fsr-4057	222	24	,	,	PUNCT
fsr-4057	222	25	clear	clear	ADJ
fsr-4057	222	26	information	information	NOUN
fsr-4057	222	27	on	on	ADP
fsr-4057	222	28	grievance	grievance	NOUN
fsr-4057	222	29	resolution	resolution	NOUN
fsr-4057	222	30	processes	process	NOUN
fsr-4057	222	31	,	,	PUNCT
fsr-4057	222	32	and	and	CCONJ
fsr-4057	222	33	direct	direct	ADJ
fsr-4057	222	34	access	access	NOUN
fsr-4057	222	35	to	to	ADP
fsr-4057	222	36	knowledgeable	knowledgeable	ADJ
fsr-4057	222	37	staff	staff	NOUN
fsr-4057	222	38	(	(	PUNCT
fsr-4057	222	39	lim	lim	PROPN
fsr-4057	222	40	&	&	CCONJ
fsr-4057	222	41	letkiewicz	letkiewicz	PROPN
fsr-4057	222	42	,	,	PUNCT
fsr-4057	222	43	2023	2023	NUM
fsr-4057	222	44	)	)	PUNCT
fsr-4057	222	45	.	.	PUNCT
fsr-4057	223	1	study	study	NOUN
fsr-4057	223	2	limitations	limitation	NOUN
fsr-4057	223	3	and	and	CCONJ
fsr-4057	223	4	future	future	ADJ
fsr-4057	223	5	research	research	NOUN
fsr-4057	223	6	this	this	DET
fsr-4057	223	7	study	study	NOUN
fsr-4057	223	8	,	,	PUNCT
fsr-4057	223	9	while	while	SCONJ
fsr-4057	223	10	providing	provide	VERB
fsr-4057	223	11	valuable	valuable	ADJ
fsr-4057	223	12	insights	insight	NOUN
fsr-4057	223	13	,	,	PUNCT
fsr-4057	223	14	has	have	VERB
fsr-4057	223	15	several	several	ADJ
fsr-4057	223	16	limitations	limitation	NOUN
fsr-4057	223	17	.	.	PUNCT
fsr-4057	224	1	first	first	ADV
fsr-4057	224	2	,	,	PUNCT
fsr-4057	224	3	cfpb	cfpb	ADJ
fsr-4057	224	4	complaint	complaint	NOUN
fsr-4057	224	5	data	datum	NOUN
fsr-4057	224	6	may	may	AUX
fsr-4057	224	7	not	not	PART
fsr-4057	224	8	be	be	AUX
fsr-4057	224	9	representative	representative	ADJ
fsr-4057	224	10	of	of	ADP
fsr-4057	224	11	all	all	DET
fsr-4057	224	12	bank	bank	NOUN
fsr-4057	224	13	account	account	NOUN
fsr-4057	224	14	challenges	challenge	NOUN
fsr-4057	224	15	experienced	experience	VERB
fsr-4057	224	16	by	by	ADP
fsr-4057	224	17	consumers	consumer	NOUN
fsr-4057	224	18	.	.	PUNCT
fsr-4057	225	1	those	those	PRON
fsr-4057	225	2	who	who	PRON
fsr-4057	225	3	file	file	VERB
fsr-4057	225	4	complaints	complaint	NOUN
fsr-4057	225	5	may	may	AUX
fsr-4057	225	6	differ	differ	VERB
fsr-4057	225	7	systematically	systematically	ADV
fsr-4057	225	8	from	from	ADP
fsr-4057	225	9	those	those	PRON
fsr-4057	225	10	who	who	PRON
fsr-4057	225	11	do	do	VERB
fsr-4057	225	12	not	not	PART
fsr-4057	225	13	,	,	PUNCT
fsr-4057	225	14	potentially	potentially	ADV
fsr-4057	225	15	biasing	bias	VERB
fsr-4057	225	16	the	the	DET
fsr-4057	225	17	results	result	NOUN
fsr-4057	225	18	.	.	PUNCT
fsr-4057	226	1	second	second	ADV
fsr-4057	226	2	,	,	PUNCT
fsr-4057	226	3	the	the	DET
fsr-4057	226	4	study	study	NOUN
fsr-4057	226	5	relies	rely	VERB
fsr-4057	226	6	on	on	ADP
fsr-4057	226	7	self	self	NOUN
fsr-4057	226	8	-	-	PUNCT
fsr-4057	226	9	reported	report	VERB
fsr-4057	226	10	data	datum	NOUN
fsr-4057	226	11	,	,	PUNCT
fsr-4057	226	12	which	which	PRON
fsr-4057	226	13	may	may	AUX
fsr-4057	226	14	be	be	AUX
fsr-4057	226	15	subject	subject	ADJ
fsr-4057	226	16	to	to	ADP
fsr-4057	226	17	recall	recall	NOUN
fsr-4057	226	18	bias	bias	NOUN
fsr-4057	226	19	or	or	CCONJ
fsr-4057	226	20	exaggeration	exaggeration	NOUN
fsr-4057	226	21	.	.	PUNCT
fsr-4057	227	1	third	third	ADJ
fsr-4057	227	2	,	,	PUNCT
fsr-4057	227	3	the	the	DET
fsr-4057	227	4	cross	cross	ADJ
fsr-4057	227	5	-	-	ADJ
fsr-4057	227	6	sectional	sectional	ADJ
fsr-4057	227	7	nature	nature	NOUN
fsr-4057	227	8	of	of	ADP
fsr-4057	227	9	the	the	DET
fsr-4057	227	10	data	data	NOUN
fsr-4057	227	11	limits	limit	VERB
fsr-4057	227	12	the	the	DET
fsr-4057	227	13	ability	ability	NOUN
fsr-4057	227	14	to	to	PART
fsr-4057	227	15	establish	establish	VERB
fsr-4057	227	16	causal	causal	ADJ
fsr-4057	227	17	relationships	relationship	NOUN
fsr-4057	227	18	between	between	ADP
fsr-4057	227	19	bank	bank	NOUN
fsr-4057	227	20	account	account	NOUN
fsr-4057	227	21	challenges	challenge	NOUN
fsr-4057	227	22	and	and	CCONJ
fsr-4057	227	23	financial	financial	ADJ
fsr-4057	227	24	hardship	hardship	NOUN
fsr-4057	227	25	.	.	PUNCT
fsr-4057	228	1	birkenmaier	birkenmaier	NOUN
fsr-4057	228	2	&	&	CCONJ
fsr-4057	228	3	stratman	stratman	PROPN
fsr-4057	228	4	31	31	NUM
fsr-4057	228	5	future	future	ADJ
fsr-4057	228	6	research	research	NOUN
fsr-4057	228	7	could	could	AUX
fsr-4057	228	8	address	address	VERB
fsr-4057	228	9	these	these	DET
fsr-4057	228	10	limitations	limitation	NOUN
fsr-4057	228	11	by	by	ADP
fsr-4057	228	12	incorporating	incorporate	VERB
fsr-4057	228	13	longitudinal	longitudinal	ADJ
fsr-4057	228	14	designs	design	NOUN
fsr-4057	228	15	to	to	PART
fsr-4057	228	16	track	track	VERB
fsr-4057	228	17	the	the	DET
fsr-4057	228	18	progression	progression	NOUN
fsr-4057	228	19	of	of	ADP
fsr-4057	228	20	bank	bank	PROPN
fsr-4057	228	21	account	account	NOUN
fsr-4057	228	22	issues	issue	NOUN
fsr-4057	228	23	and	and	CCONJ
fsr-4057	228	24	their	their	PRON
fsr-4057	228	25	impact	impact	NOUN
fsr-4057	228	26	on	on	ADP
fsr-4057	228	27	financial	financial	ADJ
fsr-4057	228	28	well	well	NOUN
fsr-4057	228	29	-	-	PUNCT
fsr-4057	228	30	being	being	NOUN
fsr-4057	228	31	over	over	ADP
fsr-4057	228	32	time	time	NOUN
fsr-4057	228	33	.	.	PUNCT
fsr-4057	229	1	additionally	additionally	ADV
fsr-4057	229	2	,	,	PUNCT
fsr-4057	229	3	mixed	mixed	ADJ
fsr-4057	229	4	-	-	PUNCT
fsr-4057	229	5	methods	method	NOUN
fsr-4057	229	6	approaches	approach	NOUN
fsr-4057	229	7	,	,	PUNCT
fsr-4057	229	8	combining	combine	VERB
fsr-4057	229	9	quantitative	quantitative	ADJ
fsr-4057	229	10	analysis	analysis	NOUN
fsr-4057	229	11	with	with	ADP
fsr-4057	229	12	in	in	ADP
fsr-4057	229	13	-	-	PUNCT
fsr-4057	229	14	depth	depth	NOUN
fsr-4057	229	15	qualitative	qualitative	NOUN
fsr-4057	229	16	interviews	interview	NOUN
fsr-4057	229	17	,	,	PUNCT
fsr-4057	229	18	could	could	AUX
fsr-4057	229	19	provide	provide	VERB
fsr-4057	229	20	a	a	DET
fsr-4057	229	21	more	more	ADV
fsr-4057	229	22	nuanced	nuanced	ADJ
fsr-4057	229	23	understanding	understanding	NOUN
fsr-4057	229	24	of	of	ADP
fsr-4057	229	25	consumers	consumer	NOUN
fsr-4057	229	26	'	'	PART
fsr-4057	229	27	experiences	experience	NOUN
fsr-4057	229	28	.	.	PUNCT
fsr-4057	230	1	studies	study	NOUN
fsr-4057	230	2	comparing	compare	VERB
fsr-4057	230	3	cfpb	cfpb	NOUN
fsr-4057	230	4	complaint	complaint	NOUN
fsr-4057	230	5	data	datum	NOUN
fsr-4057	230	6	with	with	ADP
fsr-4057	230	7	other	other	ADJ
fsr-4057	230	8	sources	source	NOUN
fsr-4057	230	9	of	of	ADP
fsr-4057	230	10	consumer	consumer	NOUN
fsr-4057	230	11	feedback	feedback	NOUN
fsr-4057	230	12	(	(	PUNCT
fsr-4057	230	13	e.g.	e.g.	ADV
fsr-4057	230	14	,	,	PUNCT
fsr-4057	230	15	social	social	ADJ
fsr-4057	230	16	media	medium	NOUN
fsr-4057	230	17	)	)	PUNCT
fsr-4057	230	18	could	could	AUX
fsr-4057	230	19	validate	validate	VERB
fsr-4057	230	20	findings	finding	NOUN
fsr-4057	230	21	and	and	CCONJ
fsr-4057	230	22	identify	identify	VERB
fsr-4057	230	23	potential	potential	ADJ
fsr-4057	230	24	reporting	reporting	NOUN
fsr-4057	230	25	biases	bias	NOUN
fsr-4057	230	26	.	.	PUNCT
fsr-4057	231	1	finally	finally	ADV
fsr-4057	231	2	,	,	PUNCT
fsr-4057	231	3	experimental	experimental	ADJ
fsr-4057	231	4	studies	study	NOUN
fsr-4057	231	5	manipulating	manipulate	VERB
fsr-4057	231	6	different	different	ADJ
fsr-4057	231	7	aspects	aspect	NOUN
fsr-4057	231	8	of	of	ADP
fsr-4057	231	9	bank	bank	NOUN
fsr-4057	231	10	account	account	NOUN
fsr-4057	231	11	management	management	NOUN
fsr-4057	231	12	and	and	CCONJ
fsr-4057	231	13	customer	customer	NOUN
fsr-4057	231	14	service	service	NOUN
fsr-4057	231	15	could	could	AUX
fsr-4057	231	16	isolate	isolate	VERB
fsr-4057	231	17	causal	causal	ADJ
fsr-4057	231	18	factors	factor	NOUN
fsr-4057	231	19	contributing	contribute	VERB
fsr-4057	231	20	to	to	ADP
fsr-4057	231	21	financial	financial	ADJ
fsr-4057	231	22	hardship	hardship	NOUN
fsr-4057	231	23	,	,	PUNCT
fsr-4057	231	24	informing	inform	VERB
fsr-4057	231	25	more	more	ADJ
fsr-4057	231	26	targeted	target	VERB
fsr-4057	231	27	interventions	intervention	NOUN
fsr-4057	231	28	by	by	ADP
fsr-4057	231	29	financial	financial	ADJ
fsr-4057	231	30	institutions	institution	NOUN
fsr-4057	231	31	and	and	CCONJ
fsr-4057	231	32	policymakers	policymaker	NOUN
fsr-4057	231	33	.	.	PUNCT
fsr-4057	232	1	conclusion	conclusion	VERB
fsr-4057	232	2	the	the	DET
fsr-4057	232	3	cfpb	cfpb	NOUN
fsr-4057	232	4	complaint	complaint	NOUN
fsr-4057	232	5	data	datum	NOUN
fsr-4057	232	6	indicates	indicate	VERB
fsr-4057	232	7	that	that	SCONJ
fsr-4057	232	8	consumers	consumer	NOUN
fsr-4057	232	9	experience	experience	VERB
fsr-4057	232	10	considerable	considerable	ADJ
fsr-4057	232	11	difficulty	difficulty	NOUN
fsr-4057	232	12	with	with	ADP
fsr-4057	232	13	their	their	PRON
fsr-4057	232	14	bank	bank	NOUN
fsr-4057	232	15	accounts	account	NOUN
fsr-4057	232	16	,	,	PUNCT
fsr-4057	232	17	which	which	PRON
fsr-4057	232	18	is	be	AUX
fsr-4057	232	19	one	one	NUM
fsr-4057	232	20	of	of	ADP
fsr-4057	232	21	the	the	DET
fsr-4057	232	22	many	many	ADJ
fsr-4057	232	23	reasons	reason	NOUN
fsr-4057	232	24	they	they	PRON
fsr-4057	232	25	seek	seek	VERB
fsr-4057	232	26	cfpb	cfpb	ADJ
fsr-4057	232	27	intermediation	intermediation	NOUN
fsr-4057	232	28	.	.	PUNCT
fsr-4057	233	1	notable	notable	ADJ
fsr-4057	233	2	is	be	AUX
fsr-4057	233	3	the	the	DET
fsr-4057	233	4	fact	fact	NOUN
fsr-4057	233	5	that	that	SCONJ
fsr-4057	233	6	70	70	NUM
fsr-4057	233	7	%	%	NOUN
fsr-4057	233	8	of	of	ADP
fsr-4057	233	9	the	the	DET
fsr-4057	233	10	cfpb	cfpb	ADJ
fsr-4057	233	11	filings	filing	NOUN
fsr-4057	233	12	used	use	VERB
fsr-4057	233	13	in	in	ADP
fsr-4057	233	14	this	this	DET
fsr-4057	233	15	study	study	NOUN
fsr-4057	233	16	experienced	experience	VERB
fsr-4057	233	17	at	at	ADP
fsr-4057	233	18	least	least	ADV
fsr-4057	233	19	one	one	NUM
fsr-4057	233	20	financial	financial	ADJ
fsr-4057	233	21	hardship	hardship	NOUN
fsr-4057	233	22	,	,	PUNCT
fsr-4057	233	23	yet	yet	CCONJ
fsr-4057	233	24	only	only	ADV
fsr-4057	233	25	17	17	NUM
fsr-4057	233	26	%	%	NOUN
fsr-4057	233	27	of	of	ADP
fsr-4057	233	28	the	the	DET
fsr-4057	233	29	complaints	complaint	NOUN
fsr-4057	233	30	were	be	AUX
fsr-4057	233	31	closed	close	VERB
fsr-4057	233	32	with	with	ADP
fsr-4057	233	33	any	any	DET
fsr-4057	233	34	monetary	monetary	ADJ
fsr-4057	233	35	relief	relief	NOUN
fsr-4057	233	36	.	.	PUNCT
fsr-4057	234	1	this	this	PRON
fsr-4057	234	2	is	be	AUX
fsr-4057	234	3	despite	despite	SCONJ
fsr-4057	234	4	the	the	DET
fsr-4057	234	5	fact	fact	NOUN
fsr-4057	234	6	that	that	SCONJ
fsr-4057	234	7	a	a	DET
fsr-4057	234	8	powerful	powerful	ADJ
fsr-4057	234	9	federal	federal	ADJ
fsr-4057	234	10	entity	entity	NOUN
fsr-4057	234	11	(	(	PUNCT
fsr-4057	234	12	i.e.	i.e.	X
fsr-4057	234	13	,	,	PUNCT
fsr-4057	234	14	the	the	DET
fsr-4057	234	15	cfpb	cfpb	NOUN
fsr-4057	234	16	)	)	PUNCT
fsr-4057	234	17	was	be	AUX
fsr-4057	234	18	involved	involve	VERB
fsr-4057	234	19	.	.	PUNCT
fsr-4057	235	1	for	for	ADP
fsr-4057	235	2	less	less	ADJ
fsr-4057	235	3	than	than	ADP
fsr-4057	235	4	one	one	NUM
fsr-4057	235	5	percent	percent	NOUN
fsr-4057	235	6	of	of	ADP
fsr-4057	235	7	the	the	DET
fsr-4057	235	8	complaints	complaint	NOUN
fsr-4057	235	9	did	do	AUX
fsr-4057	235	10	the	the	DET
fsr-4057	235	11	financial	financial	ADJ
fsr-4057	235	12	institutions	institution	NOUN
fsr-4057	235	13	believe	believe	VERB
fsr-4057	235	14	that	that	SCONJ
fsr-4057	235	15	the	the	DET
fsr-4057	235	16	complaint	complaint	NOUN
fsr-4057	235	17	presents	present	VERB
fsr-4057	235	18	an	an	DET
fsr-4057	235	19	opportunity	opportunity	NOUN
fsr-4057	235	20	for	for	ADP
fsr-4057	235	21	customer	customer	NOUN
fsr-4057	235	22	service	service	NOUN
fsr-4057	235	23	improvement	improvement	NOUN
fsr-4057	235	24	.	.	PUNCT
fsr-4057	236	1	consumer	consumer	NOUN
fsr-4057	236	2	complaints	complaint	NOUN
fsr-4057	236	3	represent	represent	VERB
fsr-4057	236	4	a	a	DET
fsr-4057	236	5	wealth	wealth	NOUN
fsr-4057	236	6	of	of	ADP
fsr-4057	236	7	information	information	NOUN
fsr-4057	236	8	that	that	PRON
fsr-4057	236	9	can	can	AUX
fsr-4057	236	10	assist	assist	VERB
fsr-4057	236	11	financial	financial	ADJ
fsr-4057	236	12	institutions	institution	NOUN
fsr-4057	236	13	to	to	PART
fsr-4057	236	14	focus	focus	VERB
fsr-4057	236	15	on	on	ADP
fsr-4057	236	16	opportunities	opportunity	NOUN
fsr-4057	236	17	to	to	PART
fsr-4057	236	18	address	address	VERB
fsr-4057	236	19	concerns	concern	NOUN
fsr-4057	236	20	toward	toward	ADP
fsr-4057	236	21	reducing	reduce	VERB
fsr-4057	236	22	customer	customer	NOUN
fsr-4057	236	23	financial	financial	ADJ
fsr-4057	236	24	hardship	hardship	NOUN
fsr-4057	236	25	.	.	PUNCT
fsr-4057	237	1	references	reference	NOUN
fsr-4057	237	2	agresti	agresti	PROPN
fsr-4057	237	3	,	,	PUNCT
fsr-4057	237	4	a.	a.	NOUN
fsr-4057	237	5	(	(	PUNCT
fsr-4057	237	6	2010	2010	NUM
fsr-4057	237	7	)	)	PUNCT
fsr-4057	237	8	.	.	PUNCT
fsr-4057	238	1	analysis	analysis	NOUN
fsr-4057	238	2	of	of	ADP
fsr-4057	238	3	ordinal	ordinal	ADJ
fsr-4057	238	4	categorical	categorical	ADJ
fsr-4057	238	5	data	datum	NOUN
fsr-4057	238	6	.	.	PUNCT
fsr-4057	239	1	wiley	wiley	PROPN
fsr-4057	239	2	.	.	PUNCT
fsr-4057	240	1	bank	bank	PROPN
fsr-4057	240	2	policy	policy	PROPN
fsr-4057	240	3	institute	institute	PROPN
fsr-4057	240	4	.	.	PUNCT
fsr-4057	241	1	(	(	PUNCT
fsr-4057	241	2	2018	2018	NUM
fsr-4057	241	3	,	,	PUNCT
fsr-4057	241	4	october	october	PROPN
fsr-4057	241	5	29	29	NUM
fsr-4057	241	6	)	)	PUNCT
fsr-4057	241	7	.	.	PUNCT
fsr-4057	242	1	getting	get	VERB
fsr-4057	242	2	to	to	PART
fsr-4057	242	3	effectiveness	effectiveness	VERB
fsr-4057	242	4	–	–	PUNCT
fsr-4057	242	5	report	report	NOUN
fsr-4057	242	6	on	on	ADP
fsr-4057	242	7	u.s	u.s	PROPN
fsr-4057	242	8	.	.	PROPN
fsr-4057	242	9	financial	financial	ADJ
fsr-4057	242	10	institution	institution	NOUN
fsr-4057	242	11	resources	resource	NOUN
fsr-4057	242	12	devoted	devote	VERB
fsr-4057	242	13	to	to	ADP
fsr-4057	242	14	bsa	bsa	PROPN
fsr-4057	242	15	/	/	SYM
fsr-4057	242	16	aml	aml	PROPN
fsr-4057	242	17	&	&	CCONJ
fsr-4057	242	18	sanctions	sanctions	PROPN
fsr-4057	242	19	compliance	compliance	NOUN
fsr-4057	242	20	.	.	PUNCT
fsr-4057	243	1	https://bpi.com/getting-to-effectivenessreport-on-u-s-financial-institutionresources-devoted-to-bsa-aml-sanctionscompliance/	https://bpi.com/getting-to-effectivenessreport-on-u-s-financial-institutionresources-devoted-to-bsa-aml-sanctionscompliance/	VERB
fsr-4057	243	2	bank	bank	PROPN
fsr-4057	243	3	policy	policy	PROPN
fsr-4057	243	4	institute	institute	PROPN
fsr-4057	243	5	.	.	PUNCT
fsr-4057	244	1	(	(	PUNCT
fsr-4057	244	2	2020	2020	NUM
fsr-4057	244	3	)	)	PUNCT
fsr-4057	244	4	.	.	PUNCT
fsr-4057	245	1	the	the	DET
fsr-4057	245	2	truth	truth	NOUN
fsr-4057	245	3	about	about	ADP
fsr-4057	245	4	suspicious	suspicious	ADJ
fsr-4057	245	5	activity	activity	NOUN
fsr-4057	245	6	reports	report	NOUN
fsr-4057	245	7	.	.	PUNCT
fsr-4057	246	1	https://bpi.com/the-truth-aboutsuspicious-activity-reports/	https://bpi.com/the-truth-aboutsuspicious-activity-reports/	PROPN
fsr-4057	246	2	bank	bank	PROPN
fsr-4057	246	3	policy	policy	PROPN
fsr-4057	246	4	institute	institute	PROPN
fsr-4057	246	5	.	.	PUNCT
fsr-4057	247	1	(	(	PUNCT
fsr-4057	247	2	2024	2024	NUM
fsr-4057	247	3	)	)	PUNCT
fsr-4057	247	4	.	.	PUNCT
fsr-4057	248	1	statement	statement	NOUN
fsr-4057	248	2	for	for	ADP
fsr-4057	248	3	the	the	DET
fsr-4057	248	4	record	record	NOUN
fsr-4057	248	5	from	from	ADP
fsr-4057	248	6	the	the	DET
fsr-4057	248	7	bank	bank	NOUN
fsr-4057	248	8	policy	policy	PROPN
fsr-4057	248	9	institute	institute	PROPN
fsr-4057	248	10	before	before	ADP
fsr-4057	248	11	the	the	DET
fsr-4057	248	12	u.s	u.s	PROPN
fsr-4057	248	13	.	.	PROPN
fsr-4057	248	14	house	house	PROPN
fsr-4057	248	15	financial	financial	PROPN
fsr-4057	248	16	services	services	PROPN
fsr-4057	248	17	committee	committee	PROPN
fsr-4057	248	18	.	.	PUNCT
fsr-4057	249	1	https://bpi.com/bpistatement-for-the-record-for-houseoversight-hearing-of-fincen-and-theoffice-of-terrorism-and-financialintelligence/	https://bpi.com/bpistatement-for-the-record-for-houseoversight-hearing-of-fincen-and-theoffice-of-terrorism-and-financialintelligence/	PROPN
fsr-4057	249	2	bank	bank	PROPN
fsr-4057	249	3	policy	policy	PROPN
fsr-4057	249	4	institute	institute	PROPN
fsr-4057	249	5	,	,	PUNCT
fsr-4057	249	6	financial	financial	ADJ
fsr-4057	249	7	technology	technology	NOUN
fsr-4057	249	8	association	association	PROPN
fsr-4057	249	9	,	,	PUNCT
fsr-4057	249	10	independent	independent	ADJ
fsr-4057	249	11	community	community	NOUN
fsr-4057	249	12	bankers	banker	NOUN
fsr-4057	249	13	of	of	ADP
fsr-4057	249	14	america	america	PROPN
fsr-4057	249	15	,	,	PUNCT
fsr-4057	249	16	american	american	PROPN
fsr-4057	249	17	gaming	gaming	PROPN
fsr-4057	249	18	association	association	PROPN
fsr-4057	249	19	,	,	PUNCT
fsr-4057	249	20	securities	security	NOUN
fsr-4057	249	21	industry	industry	NOUN
fsr-4057	249	22	and	and	CCONJ
fsr-4057	249	23	financial	financial	ADJ
fsr-4057	249	24	markets	market	NOUN
fsr-4057	249	25	association	association	NOUN
fsr-4057	249	26	.	.	PUNCT
fsr-4057	250	1	(	(	PUNCT
fsr-4057	250	2	2024	2024	NUM
fsr-4057	250	3	)	)	PUNCT
fsr-4057	250	4	.	.	PUNCT
fsr-4057	251	1	re	re	ADP
fsr-4057	251	2	:	:	PUNCT
fsr-4057	251	3	request	request	VERB
fsr-4057	251	4	for	for	ADP
fsr-4057	251	5	comments	comment	NOUN
fsr-4057	251	6	regarding	regard	VERB
fsr-4057	251	7	reports	report	NOUN
fsr-4057	251	8	by	by	ADP
fsr-4057	251	9	financial	financial	ADJ
fsr-4057	251	10	institutions	institution	NOUN
fsr-4057	251	11	of	of	ADP
fsr-4057	251	12	suspicious	suspicious	ADJ
fsr-4057	251	13	transactions	transaction	NOUN
fsr-4057	251	14	and	and	CCONJ
fsr-4057	251	15	fincen	fincen	ADJ
fsr-4057	251	16	form	form	VERB
fsr-4057	251	17	111	111	NUM
fsr-4057	251	18	-	-	PUNCT
fsr-4057	251	19	suspicious	suspicious	ADJ
fsr-4057	251	20	activity	activity	NOUN
fsr-4057	251	21	report	report	NOUN
fsr-4057	251	22	(	(	PUNCT
fsr-4057	251	23	omb	omb	NOUN
fsr-4057	251	24	control	control	NOUN
fsr-4057	251	25	numbers	number	NOUN
fsr-4057	251	26	1506–0001	1506–0001	NUM
fsr-4057	251	27	,	,	PUNCT
fsr-4057	251	28	1506–0006	1506–0006	NUM
fsr-4057	251	29	,	,	PUNCT
fsr-4057	251	30	1506–0015	1506–0015	NUM
fsr-4057	251	31	,	,	PUNCT
fsr-4057	251	32	1506–0019	1506–0019	NUM
fsr-4057	251	33	,	,	PUNCT
fsr-4057	251	34	1506–0029	1506–0029	NUM
fsr-4057	251	35	,	,	PUNCT
fsr-4057	251	36	1506–0061	1506–0061	NUM
fsr-4057	251	37	,	,	PUNCT
fsr-4057	251	38	and	and	CCONJ
fsr-4057	251	39	15060065	15060065	NUM
fsr-4057	251	40	)	)	PUNCT
fsr-4057	251	41	.	.	PUNCT
fsr-4057	252	1	https://bpi.com/wpcontent/uploads/2024/07/bpi-icbafta-sifma-aga-joint-tradecomment-letter-fincen-sar-30-daynotice-7-1-2024.pdf	https://bpi.com/wpcontent/uploads/2024/07/bpi-icbafta-sifma-aga-joint-tradecomment-letter-fincen-sar-30-daynotice-7-1-2024.pdf	PROPN
fsr-4057	252	2	bartikowski	bartikowski	PROPN
fsr-4057	252	3	,	,	PUNCT
fsr-4057	252	4	b.	b.	PROPN
fsr-4057	252	5	,	,	PUNCT
fsr-4057	252	6	laroche	laroche	PROPN
fsr-4057	252	7	,	,	PUNCT
fsr-4057	252	8	m.	m.	NOUN
fsr-4057	252	9	,	,	PUNCT
fsr-4057	252	10	&	&	CCONJ
fsr-4057	252	11	richard	richard	PROPN
fsr-4057	252	12	,	,	PUNCT
fsr-4057	252	13	m.	m.	NOUN
fsr-4057	252	14	o.	o.	PROPN
fsr-4057	252	15	(	(	PUNCT
fsr-4057	252	16	2019	2019	NUM
fsr-4057	252	17	)	)	PUNCT
fsr-4057	252	18	.	.	PUNCT
fsr-4057	253	1	a	a	DET
fsr-4057	253	2	content	content	NOUN
fsr-4057	253	3	analysis	analysis	NOUN
fsr-4057	253	4	of	of	ADP
fsr-4057	253	5	fear	fear	NOUN
fsr-4057	253	6	appeal	appeal	NOUN
fsr-4057	253	7	advertising	advertising	NOUN
fsr-4057	253	8	in	in	ADP
fsr-4057	253	9	canada	canada	PROPN
fsr-4057	253	10	,	,	PUNCT
fsr-4057	253	11	china	china	PROPN
fsr-4057	253	12	,	,	PUNCT
fsr-4057	253	13	and	and	CCONJ
fsr-4057	253	14	france	france	PROPN
fsr-4057	253	15	.	.	PUNCT
fsr-4057	254	1	journal	journal	PROPN
fsr-4057	254	2	of	of	ADP
fsr-4057	254	3	business	business	NOUN
fsr-4057	254	4	research	research	NOUN
fsr-4057	254	5	,	,	PUNCT
fsr-4057	254	6	103	103	NUM
fsr-4057	254	7	,	,	PUNCT
fsr-4057	254	8	232	232	NUM
fsr-4057	254	9	-	-	SYM
fsr-4057	254	10	239	239	NUM
fsr-4057	254	11	.	.	PUNCT
fsr-4057	255	1	https://doi.org/10.1016/j.jbusres.2019.01	https://doi.org/10.1016/j.jbusres.2019.01	PROPN
fsr-4057	255	2	.049	.049	NUM
fsr-4057	255	3	brenner	brenner	PROPN
fsr-4057	255	4	,	,	PUNCT
fsr-4057	255	5	l.	l.	PROPN
fsr-4057	255	6	,	,	PUNCT
fsr-4057	255	7	meyll	meyll	NOUN
fsr-4057	255	8	,	,	PUNCT
fsr-4057	255	9	t.	t.	PROPN
fsr-4057	255	10	,	,	PUNCT
fsr-4057	255	11	stolper	stolper	NOUN
fsr-4057	255	12	,	,	PUNCT
fsr-4057	255	13	o.	o.	PROPN
fsr-4057	255	14	,	,	PUNCT
fsr-4057	255	15	&	&	CCONJ
fsr-4057	255	16	walter	walter	PROPN
fsr-4057	255	17	,	,	PUNCT
fsr-4057	255	18	a.	a.	PROPN
fsr-4057	255	19	(	(	PUNCT
fsr-4057	255	20	2020	2020	NUM
fsr-4057	255	21	)	)	PUNCT
fsr-4057	255	22	.	.	PUNCT
fsr-4057	256	1	consumer	consumer	NOUN
fsr-4057	256	2	fraud	fraud	NOUN
fsr-4057	256	3	victimization	victimization	NOUN
fsr-4057	256	4	and	and	CCONJ
fsr-4057	256	5	financial	financial	ADJ
fsr-4057	256	6	well	well	NOUN
fsr-4057	256	7	-	-	PUNCT
fsr-4057	256	8	being	being	NOUN
fsr-4057	256	9	.	.	PUNCT
fsr-4057	257	1	journal	journal	NOUN
fsr-4057	257	2	of	of	ADP
fsr-4057	257	3	economic	economic	ADJ
fsr-4057	257	4	psychology	psychology	NOUN
fsr-4057	257	5	,	,	PUNCT
fsr-4057	257	6	76	76	NUM
fsr-4057	257	7	,	,	PUNCT
fsr-4057	257	8	102243	102243	NUM
fsr-4057	257	9	.	.	PUNCT
fsr-4057	258	1	https://doi.org/10.1016/j.joep.2019.1022	https://doi.org/10.1016/j.joep.2019.1022	NOUN
fsr-4057	258	2	43	43	NUM
fsr-4057	258	3	chawla	chawla	PROPN
fsr-4057	258	4	,	,	PUNCT
fsr-4057	258	5	i.	i.	PROPN
fsr-4057	258	6	,	,	PUNCT
fsr-4057	258	7	russell	russell	PROPN
fsr-4057	258	8	,	,	PUNCT
fsr-4057	258	9	m.	m.	NOUN
fsr-4057	258	10	,	,	PUNCT
fsr-4057	258	11	white	white	ADJ
fsr-4057	258	12	,	,	PUNCT
fsr-4057	258	13	k.	k.	PROPN
fsr-4057	258	14	,	,	PUNCT
fsr-4057	258	15	&	&	CCONJ
fsr-4057	258	16	devaney	devaney	PROPN
fsr-4057	258	17	,	,	PUNCT
fsr-4057	258	18	s.	s.	PROPN
fsr-4057	258	19	(	(	PUNCT
fsr-4057	258	20	2023	2023	NUM
fsr-4057	258	21	)	)	PUNCT
fsr-4057	258	22	.	.	PUNCT
fsr-4057	259	1	fear	fear	NOUN
fsr-4057	259	2	and	and	CCONJ
fsr-4057	259	3	trust	trust	NOUN
fsr-4057	259	4	in	in	ADP
fsr-4057	259	5	financial	financial	ADJ
fsr-4057	259	6	institutions	institution	NOUN
fsr-4057	259	7	:	:	PUNCT
fsr-4057	259	8	a	a	DET
fsr-4057	259	9	content	content	NOUN
fsr-4057	259	10	analysis	analysis	NOUN
fsr-4057	259	11	.	.	PUNCT
fsr-4057	260	1	financial	financial	ADJ
fsr-4057	260	2	services	service	NOUN
fsr-4057	260	3	review	review	NOUN
fsr-4057	260	4	,	,	PUNCT
fsr-4057	260	5	31(2/3	31(2/3	NUM
fsr-4057	260	6	)	)	PUNCT
fsr-4057	260	7	,	,	PUNCT
fsr-4057	260	8	211–228	211–228	NUM
fsr-4057	260	9	.	.	PUNCT
fsr-4057	261	1	https://bpi.com/getting-to-effectiveness-report-on-u-s-financial-institution-resources-devoted-to-bsa-aml-sanctions-compliance/	https://bpi.com/getting-to-effectiveness-report-on-u-s-financial-institution-resources-devoted-to-bsa-aml-sanctions-compliance/	PROPN
fsr-4057	261	2	https://bpi.com/getting-to-effectiveness-report-on-u-s-financial-institution-resources-devoted-to-bsa-aml-sanctions-compliance/	https://bpi.com/getting-to-effectiveness-report-on-u-s-financial-institution-resources-devoted-to-bsa-aml-sanctions-compliance/	X
fsr-4057	261	3	https://bpi.com/getting-to-effectiveness-report-on-u-s-financial-institution-resources-devoted-to-bsa-aml-sanctions-compliance/	https://bpi.com/getting-to-effectiveness-report-on-u-s-financial-institution-resources-devoted-to-bsa-aml-sanctions-compliance/	X
fsr-4057	261	4	https://bpi.com/getting-to-effectiveness-report-on-u-s-financial-institution-resources-devoted-to-bsa-aml-sanctions-compliance/	https://bpi.com/getting-to-effectiveness-report-on-u-s-financial-institution-resources-devoted-to-bsa-aml-sanctions-compliance/	VERB
fsr-4057	261	5	https://bpi.com/the-truth-about-suspicious-activity-reports/	https://bpi.com/the-truth-about-suspicious-activity-reports/	PROPN
fsr-4057	261	6	https://bpi.com/the-truth-about-suspicious-activity-reports/	https://bpi.com/the-truth-about-suspicious-activity-reports/	PROPN
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fsr-4057	261	8	https://bpi.com/bpi-statement-for-the-record-for-house-oversight-hearing-of-fincen-and-the-office-of-terrorism-and-financial-intelligence/	https://bpi.com/bpi-statement-for-the-record-for-house-oversight-hearing-of-fincen-and-the-office-of-terrorism-and-financial-intelligence/	NOUN
fsr-4057	261	9	https://bpi.com/bpi-statement-for-the-record-for-house-oversight-hearing-of-fincen-and-the-office-of-terrorism-and-financial-intelligence/	https://bpi.com/bpi-statement-for-the-record-for-house-oversight-hearing-of-fincen-and-the-office-of-terrorism-and-financial-intelligence/	NOUN
fsr-4057	261	10	https://bpi.com/bpi-statement-for-the-record-for-house-oversight-hearing-of-fincen-and-the-office-of-terrorism-and-financial-intelligence/	https://bpi.com/bpi-statement-for-the-record-for-house-oversight-hearing-of-fincen-and-the-office-of-terrorism-and-financial-intelligence/	NOUN
fsr-4057	261	11	https://bpi.com/bpi-statement-for-the-record-for-house-oversight-hearing-of-fincen-and-the-office-of-terrorism-and-financial-intelligence/	https://bpi.com/bpi-statement-for-the-record-for-house-oversight-hearing-of-fincen-and-the-office-of-terrorism-and-financial-intelligence/	NOUN
fsr-4057	261	12	https://bpi.com/wp-content/uploads/2024/07/bpi-icba-fta-sifma-aga-joint-trade-comment-letter-fincen-sar-30-day-notice-7-1-2024.pdf	https://bpi.com/wp-content/uploads/2024/07/bpi-icba-fta-sifma-aga-joint-trade-comment-letter-fincen-sar-30-day-notice-7-1-2024.pdf	VERB
fsr-4057	261	13	https://bpi.com/wp-content/uploads/2024/07/bpi-icba-fta-sifma-aga-joint-trade-comment-letter-fincen-sar-30-day-notice-7-1-2024.pdf	https://bpi.com/wp-content/uploads/2024/07/bpi-icba-fta-sifma-aga-joint-trade-comment-letter-fincen-sar-30-day-notice-7-1-2024.pdf	PROPN
fsr-4057	261	14	https://bpi.com/wp-content/uploads/2024/07/bpi-icba-fta-sifma-aga-joint-trade-comment-letter-fincen-sar-30-day-notice-7-1-2024.pdf	https://bpi.com/wp-content/uploads/2024/07/bpi-icba-fta-sifma-aga-joint-trade-comment-letter-fincen-sar-30-day-notice-7-1-2024.pdf	PROPN
fsr-4057	261	15	https://bpi.com/wp-content/uploads/2024/07/bpi-icba-fta-sifma-aga-joint-trade-comment-letter-fincen-sar-30-day-notice-7-1-2024.pdf	https://bpi.com/wp-content/uploads/2024/07/bpi-icba-fta-sifma-aga-joint-trade-comment-letter-fincen-sar-30-day-notice-7-1-2024.pdf	PROPN
fsr-4057	261	16	https://bpi.com/wp-content/uploads/2024/07/bpi-icba-fta-sifma-aga-joint-trade-comment-letter-fincen-sar-30-day-notice-7-1-2024.pdf	https://bpi.com/wp-content/uploads/2024/07/bpi-icba-fta-sifma-aga-joint-trade-comment-letter-fincen-sar-30-day-notice-7-1-2024.pdf	PROPN
fsr-4057	261	17	https://doi.org/10.1016/j.jbusres.2019.01.049	https://doi.org/10.1016/j.jbusres.2019.01.049	PROPN
fsr-4057	261	18	https://doi.org/10.1016/j.jbusres.2019.01.049	https://doi.org/10.1016/j.jbusres.2019.01.049	PROPN
fsr-4057	261	19	https://doi.org/10.1016/j.joep.2019.102243	https://doi.org/10.1016/j.joep.2019.102243	PROPN
fsr-4057	261	20	https://doi.org/10.1016/j.joep.2019.102243	https://doi.org/10.1016/j.joep.2019.102243	ADJ
fsr-4057	261	21	financial	financial	ADJ
fsr-4057	261	22	services	service	NOUN
fsr-4057	261	23	review	review	NOUN
fsr-4057	261	24	,	,	PUNCT
fsr-4057	261	25	33(2	33(2	NUM
fsr-4057	261	26	)	)	PUNCT
fsr-4057	261	27	32	32	NUM
fsr-4057	261	28	https://doi.org/10.61190/fsr.v31i2/3.354	https://doi.org/10.61190/fsr.v31i2/3.354	PROPN
fsr-4057	261	29	1	1	NUM
fsr-4057	261	30	chebat	chebat	NOUN
fsr-4057	261	31	,	,	PUNCT
fsr-4057	261	32	j.	j.	PROPN
fsr-4057	261	33	c.	c.	PROPN
fsr-4057	261	34	,	,	PUNCT
fsr-4057	261	35	ben	ben	PROPN
fsr-4057	261	36	-	-	PROPN
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fsr-4057	261	38	,	,	PUNCT
fsr-4057	261	39	k.	k.	PROPN
fsr-4057	261	40	,	,	PUNCT
fsr-4057	261	41	&	&	CCONJ
fsr-4057	261	42	davidow	davidow	PROPN
fsr-4057	261	43	,	,	PUNCT
fsr-4057	261	44	m.	m.	NOUN
fsr-4057	261	45	(	(	PUNCT
fsr-4057	261	46	2010	2010	NUM
fsr-4057	261	47	)	)	PUNCT
fsr-4057	261	48	.	.	PUNCT
fsr-4057	262	1	why	why	SCONJ
fsr-4057	262	2	bank	bank	NOUN
fsr-4057	262	3	customers	customer	NOUN
fsr-4057	262	4	dissatisfied	dissatisfied	ADJ
fsr-4057	262	5	with	with	ADP
fsr-4057	262	6	service	service	NOUN
fsr-4057	262	7	recovery	recovery	NOUN
fsr-4057	262	8	remain	remain	VERB
fsr-4057	262	9	loyal	loyal	ADJ
fsr-4057	262	10	:	:	PUNCT
fsr-4057	262	11	an	an	DET
fsr-4057	262	12	affect	affect	NOUN
fsr-4057	262	13	control	control	NOUN
fsr-4057	262	14	theory	theory	NOUN
fsr-4057	262	15	approach	approach	NOUN
fsr-4057	262	16	.	.	PUNCT
fsr-4057	263	1	journal	journal	NOUN
fsr-4057	263	2	of	of	ADP
fsr-4057	263	3	marketing	marketing	NOUN
fsr-4057	263	4	trends	trend	NOUN
fsr-4057	263	5	,	,	PUNCT
fsr-4057	263	6	1(1	1(1	NUM
fsr-4057	263	7	)	)	PUNCT
fsr-4057	263	8	,	,	PUNCT
fsr-4057	263	9	77	77	NUM
fsr-4057	263	10	-	-	SYM
fsr-4057	263	11	83	83	NUM
fsr-4057	263	12	.	.	PUNCT
fsr-4057	264	1	https://citeseerx.ist.psu.edu/document?re	https://citeseerx.ist.psu.edu/document?re	PROPN
fsr-4057	265	1	pid	pid	NOUN
fsr-4057	265	2	=	=	NOUN
fsr-4057	265	3	rep1&type	rep1&type	NOUN
fsr-4057	265	4	=	=	SYM
fsr-4057	265	5	pdf&doi=2e7d38a47f92	pdf&doi=2e7d38a47f92	X
fsr-4057	265	6	78568fb7f82cc1b7ce0095d4c193	78568fb7f82cc1b7ce0095d4c193	NUM
fsr-4057	265	7	cohen	cohen	PROPN
fsr-4057	265	8	,	,	PUNCT
fsr-4057	265	9	j.	j.	PROPN
fsr-4057	265	10	(	(	PUNCT
fsr-4057	265	11	1968	1968	NUM
fsr-4057	265	12	)	)	PUNCT
fsr-4057	265	13	.	.	PUNCT
fsr-4057	266	1	weighted	weight	VERB
fsr-4057	266	2	kappa	kappa	ADJ
fsr-4057	266	3	:	:	PUNCT
fsr-4057	266	4	nominal	nominal	ADJ
fsr-4057	266	5	scale	scale	NOUN
fsr-4057	266	6	agreement	agreement	NOUN
fsr-4057	266	7	provision	provision	NOUN
fsr-4057	266	8	for	for	ADP
fsr-4057	266	9	scaled	scale	VERB
fsr-4057	266	10	disagreement	disagreement	NOUN
fsr-4057	266	11	or	or	CCONJ
fsr-4057	266	12	partial	partial	ADJ
fsr-4057	266	13	credit	credit	NOUN
fsr-4057	266	14	.	.	PUNCT
fsr-4057	267	1	psychological	psychological	ADJ
fsr-4057	267	2	bulletin	bulletin	NOUN
fsr-4057	267	3	,	,	PUNCT
fsr-4057	267	4	70(4	70(4	NUM
fsr-4057	267	5	)	)	PUNCT
fsr-4057	267	6	,	,	PUNCT
fsr-4057	267	7	213	213	NUM
fsr-4057	267	8	-	-	SYM
fsr-4057	267	9	220	220	NUM
fsr-4057	267	10	.	.	PUNCT
fsr-4057	268	1	https://doi.org/10.1037/h0026256	https://doi.org/10.1037/h0026256	PROPN
fsr-4057	268	2	commuri	commuri	PROPN
fsr-4057	268	3	s.	s.	PROPN
fsr-4057	268	4	&	&	CCONJ
fsr-4057	268	5	ekici	ekici	PROPN
fsr-4057	268	6	,	,	PUNCT
fsr-4057	268	7	a.	a.	NOUN
fsr-4057	268	8	(	(	PUNCT
fsr-4057	268	9	2008	2008	NUM
fsr-4057	268	10	)	)	PUNCT
fsr-4057	268	11	.	.	PUNCT
fsr-4057	269	1	an	an	DET
fsr-4057	269	2	enlargement	enlargement	NOUN
fsr-4057	269	3	of	of	ADP
fsr-4057	269	4	the	the	DET
fsr-4057	269	5	notion	notion	NOUN
fsr-4057	269	6	of	of	ADP
fsr-4057	269	7	consumer	consumer	NOUN
fsr-4057	269	8	vulnerability	vulnerability	NOUN
fsr-4057	269	9	.	.	PUNCT
fsr-4057	270	1	journal	journal	NOUN
fsr-4057	270	2	of	of	ADP
fsr-4057	270	3	macromarketing	macromarketing	NOUN
fsr-4057	270	4	,	,	PUNCT
fsr-4057	270	5	28(2	28(2	NUM
fsr-4057	270	6	)	)	PUNCT
fsr-4057	270	7	,	,	PUNCT
fsr-4057	270	8	104200	104200	NUM
fsr-4057	270	9	.	.	PUNCT
fsr-4057	271	1	https://doi.org/10.1177/0276146708316	https://doi.org/10.1177/0276146708316	ADJ
fsr-4057	271	2	consumer	consumer	NOUN
fsr-4057	271	3	financial	financial	PROPN
fsr-4057	271	4	protection	protection	PROPN
fsr-4057	271	5	bureau	bureau	PROPN
fsr-4057	271	6	(	(	PUNCT
fsr-4057	271	7	cfpb	cfpb	NOUN
fsr-4057	271	8	)	)	PUNCT
fsr-4057	271	9	.	.	PUNCT
fsr-4057	272	1	(	(	PUNCT
fsr-4057	272	2	n.d.-a	n.d.-a	NOUN
fsr-4057	272	3	)	)	PUNCT
fsr-4057	272	4	.	.	PUNCT
fsr-4057	273	1	building	build	VERB
fsr-4057	273	2	the	the	DET
fsr-4057	273	3	cfpb	cfpb	NOUN
fsr-4057	273	4	.	.	PUNCT
fsr-4057	274	1	https://www.consumerfinance.gov/dataresearch/research-reports/building-thecfpb/	https://www.consumerfinance.gov/dataresearch/research-reports/building-thecfpb/	ADJ
fsr-4057	274	2	consumer	consumer	NOUN
fsr-4057	274	3	financial	financial	PROPN
fsr-4057	274	4	protection	protection	PROPN
fsr-4057	274	5	bureau	bureau	PROPN
fsr-4057	274	6	(	(	PUNCT
fsr-4057	274	7	cfpb	cfpb	NOUN
fsr-4057	274	8	)	)	PUNCT
fsr-4057	274	9	.	.	PUNCT
fsr-4057	275	1	(	(	PUNCT
fsr-4057	275	2	n.d.-c	n.d.-c	NOUN
fsr-4057	275	3	)	)	PUNCT
fsr-4057	275	4	.	.	PUNCT
fsr-4057	276	1	cfpb	cfpb	PROPN
fsr-4057	276	2	financial	financial	ADJ
fsr-4057	276	3	well	well	ADV
fsr-4057	276	4	-	-	PUNCT
fsr-4057	276	5	being	being	NOUN
fsr-4057	276	6	scale	scale	NOUN
fsr-4057	276	7	:	:	PUNCT
fsr-4057	276	8	questionnaire	questionnaire	NOUN
fsr-4057	276	9	https://files.consumerfinance.gov/f/docu	https://files.consumerfinance.gov/f/docu	PROPN
fsr-4057	276	10	ments	ment	NOUN
fsr-4057	276	11	/	/	SYM
fsr-4057	276	12	bcfp_fin	bcfp_fin	NOUN
fsr-4057	276	13	-	-	PUNCT
fsr-4057	276	14	well	well	NOUN
fsr-4057	276	15	-	-	PUNCT
fsr-4057	276	16	being_fullscorecard.pdf	being_fullscorecard.pdf	NOUN
fsr-4057	276	17	consumer	consumer	NOUN
fsr-4057	276	18	financial	financial	PROPN
fsr-4057	276	19	protection	protection	PROPN
fsr-4057	276	20	bureau	bureau	PROPN
fsr-4057	276	21	(	(	PUNCT
fsr-4057	276	22	cfpb	cfpb	NOUN
fsr-4057	276	23	)	)	PUNCT
fsr-4057	276	24	.	.	PUNCT
fsr-4057	277	1	(	(	PUNCT
fsr-4057	277	2	n.d.-b	n.d.-b	NOUN
fsr-4057	277	3	)	)	PUNCT
fsr-4057	277	4	.	.	PUNCT
fsr-4057	278	1	consumer	consumer	NOUN
fsr-4057	278	2	complaint	complaint	NOUN
fsr-4057	278	3	database	database	NOUN
fsr-4057	278	4	.	.	PUNCT
fsr-4057	279	1	https://www.consumerfinance.gov/dataresearch/consumer-complaints/	https://www.consumerfinance.gov/dataresearch/consumer-complaints/	X
fsr-4057	279	2	consumer	consumer	NOUN
fsr-4057	279	3	financial	financial	PROPN
fsr-4057	279	4	protection	protection	PROPN
fsr-4057	279	5	bureau	bureau	PROPN
fsr-4057	279	6	(	(	PUNCT
fsr-4057	279	7	cfpb	cfpb	NOUN
fsr-4057	279	8	)	)	PUNCT
fsr-4057	279	9	.	.	PUNCT
fsr-4057	280	1	(	(	PUNCT
fsr-4057	280	2	n.d.-c	n.d.-c	NOUN
fsr-4057	280	3	)	)	PUNCT
fsr-4057	280	4	.	.	PUNCT
fsr-4057	281	1	learn	learn	VERB
fsr-4057	281	2	how	how	SCONJ
fsr-4057	281	3	the	the	DET
fsr-4057	281	4	complaint	complaint	NOUN
fsr-4057	281	5	process	process	NOUN
fsr-4057	281	6	works	work	VERB
fsr-4057	281	7	.	.	PUNCT
fsr-4057	282	1	https://www.consumerfinance.gov/comp	https://www.consumerfinance.gov/comp	PROPN
fsr-4057	282	2	laint	laint	NOUN
fsr-4057	282	3	/	/	SYM
fsr-4057	282	4	process/	process/	NUM
fsr-4057	282	5	consumer	consumer	NOUN
fsr-4057	282	6	financial	financial	PROPN
fsr-4057	282	7	protection	protection	PROPN
fsr-4057	282	8	bureau	bureau	PROPN
fsr-4057	282	9	(	(	PUNCT
fsr-4057	282	10	cfpb	cfpb	NOUN
fsr-4057	282	11	)	)	PUNCT
fsr-4057	282	12	.	.	PUNCT
fsr-4057	283	1	(	(	PUNCT
fsr-4057	283	2	n.d.-d	n.d.-d	NOUN
fsr-4057	283	3	)	)	PUNCT
fsr-4057	283	4	.	.	PUNCT
fsr-4057	284	1	consumer	consumer	NOUN
fsr-4057	284	2	complaint	complaint	NOUN
fsr-4057	284	3	program	program	NOUN
fsr-4057	284	4	.	.	PUNCT
fsr-4057	285	1	https://www.consumerfinance.gov/comp	https://www.consumerfinance.gov/comp	PROPN
fsr-4057	285	2	liance	liance	NOUN
fsr-4057	285	3	/	/	SYM
fsr-4057	285	4	consumer	consumer	NOUN
fsr-4057	285	5	-	-	PUNCT
fsr-4057	285	6	complaint	complaint	NOUN
fsr-4057	285	7	-	-	PUNCT
fsr-4057	285	8	program/	program/	NUM
fsr-4057	285	9	consumer	consumer	NOUN
fsr-4057	285	10	financial	financial	ADJ
fsr-4057	285	11	protection	protection	PROPN
fsr-4057	285	12	bureau	bureau	PROPN
fsr-4057	285	13	(	(	PUNCT
fsr-4057	285	14	cfpb	cfpb	NOUN
fsr-4057	285	15	)	)	PUNCT
fsr-4057	285	16	.	.	PUNCT
fsr-4057	286	1	(	(	PUNCT
fsr-4057	286	2	2020	2020	NUM
fsr-4057	286	3	)	)	PUNCT
fsr-4057	286	4	.	.	PUNCT
fsr-4057	287	1	consumer	consumer	NOUN
fsr-4057	287	2	response	response	NOUN
fsr-4057	287	3	annual	annual	ADJ
fsr-4057	287	4	report	report	NOUN
fsr-4057	287	5	2019	2019	NUM
fsr-4057	287	6	.	.	PUNCT
fsr-4057	288	1	https://files.consumerfinance.gov/f/docu	https://files.consumerfinance.gov/f/docu	PROPN
fsr-4057	288	2	ments	ment	NOUN
fsr-4057	288	3	/	/	SYM
fsr-4057	288	4	cfpb_consumer	cfpb_consumer	NUM
fsr-4057	288	5	-	-	PUNCT
fsr-4057	288	6	response	response	NOUN
fsr-4057	288	7	-	-	PUNCT
fsr-4057	288	8	annualreport_2019.pdf	annualreport_2019.pdf	NOUN
fsr-4057	288	9	consumer	consumer	NOUN
fsr-4057	288	10	financial	financial	PROPN
fsr-4057	288	11	protection	protection	PROPN
fsr-4057	288	12	bureau	bureau	PROPN
fsr-4057	288	13	(	(	PUNCT
fsr-4057	288	14	cfpb	cfpb	NOUN
fsr-4057	288	15	)	)	PUNCT
fsr-4057	288	16	.	.	PUNCT
fsr-4057	289	1	(	(	PUNCT
fsr-4057	289	2	2021	2021	NUM
fsr-4057	289	3	)	)	PUNCT
fsr-4057	289	4	.	.	PUNCT
fsr-4057	290	1	consumer	consumer	NOUN
fsr-4057	290	2	response	response	NOUN
fsr-4057	290	3	annual	annual	ADJ
fsr-4057	290	4	report	report	NOUN
fsr-4057	290	5	2020	2020	NUM
fsr-4057	290	6	.	.	PUNCT
fsr-4057	291	1	https://files.consumerfinance.gov/f/docu	https://files.consumerfinance.gov/f/docu	PROPN
fsr-4057	291	2	ments	ment	NOUN
fsr-4057	291	3	/	/	SYM
fsr-4057	291	4	cfpb_2021	cfpb_2021	NOUN
fsr-4057	291	5	-	-	PUNCT
fsr-4057	291	6	consumer	consumer	NOUN
fsr-4057	291	7	-	-	PUNCT
fsr-4057	291	8	responseannual	responseannual	ADJ
fsr-4057	291	9	-	-	PUNCT
fsr-4057	291	10	report_2022	report_2022	NOUN
fsr-4057	291	11	-	-	PUNCT
fsr-4057	291	12	03.pdf	03.pdf	PROPN
fsr-4057	291	13	consumer	consumer	NOUN
fsr-4057	291	14	financial	financial	PROPN
fsr-4057	291	15	protection	protection	PROPN
fsr-4057	291	16	bureau	bureau	PROPN
fsr-4057	291	17	(	(	PUNCT
fsr-4057	291	18	cfpb	cfpb	NOUN
fsr-4057	291	19	)	)	PUNCT
fsr-4057	291	20	.	.	PUNCT
fsr-4057	292	1	(	(	PUNCT
fsr-4057	292	2	2022	2022	NUM
fsr-4057	292	3	)	)	PUNCT
fsr-4057	292	4	.	.	PUNCT
fsr-4057	293	1	consumer	consumer	NOUN
fsr-4057	293	2	response	response	NOUN
fsr-4057	293	3	annual	annual	ADJ
fsr-4057	293	4	report	report	NOUN
fsr-4057	293	5	2021	2021	NUM
fsr-4057	293	6	.	.	PUNCT
fsr-4057	294	1	https://files.consumerfinance.gov/f/docu	https://files.consumerfinance.gov/f/docu	PROPN
fsr-4057	294	2	ments	ment	NOUN
fsr-4057	294	3	/	/	SYM
fsr-4057	294	4	cfpb_2021	cfpb_2021	NOUN
fsr-4057	294	5	-	-	PUNCT
fsr-4057	294	6	consumer	consumer	NOUN
fsr-4057	294	7	-	-	PUNCT
fsr-4057	294	8	responseannual	responseannual	ADJ
fsr-4057	294	9	-	-	PUNCT
fsr-4057	294	10	report_2022	report_2022	NOUN
fsr-4057	294	11	-	-	PUNCT
fsr-4057	294	12	03.pdf	03.pdf	PROPN
fsr-4057	294	13	consumer	consumer	NOUN
fsr-4057	294	14	financial	financial	PROPN
fsr-4057	294	15	protection	protection	PROPN
fsr-4057	294	16	bureau	bureau	PROPN
fsr-4057	294	17	(	(	PUNCT
fsr-4057	294	18	cfpb	cfpb	NOUN
fsr-4057	294	19	)	)	PUNCT
fsr-4057	294	20	.	.	PUNCT
fsr-4057	295	1	(	(	PUNCT
fsr-4057	295	2	2023	2023	NUM
fsr-4057	295	3	)	)	PUNCT
fsr-4057	295	4	consumer	consumer	NOUN
fsr-4057	295	5	response	response	NOUN
fsr-4057	295	6	annual	annual	ADJ
fsr-4057	295	7	report	report	NOUN
fsr-4057	295	8	2022	2022	NUM
fsr-4057	295	9	.	.	PUNCT
fsr-4057	296	1	https://files.consumerfinance.gov/f/docu	https://files.consumerfinance.gov/f/docu	PROPN
fsr-4057	296	2	ments	ment	NOUN
fsr-4057	296	3	/	/	SYM
fsr-4057	296	4	cfpb_2022	cfpb_2022	NOUN
fsr-4057	296	5	-	-	PUNCT
fsr-4057	296	6	consumer	consumer	NOUN
fsr-4057	296	7	-	-	PUNCT
fsr-4057	296	8	responseannual	responseannual	ADJ
fsr-4057	296	9	-	-	PUNCT
fsr-4057	296	10	report_2023	report_2023	NOUN
fsr-4057	296	11	-	-	PUNCT
fsr-4057	296	12	03.pdf	03.pdf	PROPN
fsr-4057	296	13	consumer	consumer	NOUN
fsr-4057	296	14	financial	financial	PROPN
fsr-4057	296	15	protection	protection	PROPN
fsr-4057	296	16	bureau	bureau	PROPN
fsr-4057	296	17	(	(	PUNCT
fsr-4057	296	18	cfpb	cfpb	NOUN
fsr-4057	296	19	)	)	PUNCT
fsr-4057	296	20	(	(	PUNCT
fsr-4057	296	21	2023	2023	NUM
fsr-4057	296	22	,	,	PUNCT
fsr-4057	296	23	june	june	PROPN
fsr-4057	296	24	6	6	NUM
fsr-4057	296	25	)	)	PUNCT
fsr-4057	296	26	.	.	PUNCT
fsr-4057	297	1	chatbots	chatbot	NOUN
fsr-4057	297	2	in	in	ADP
fsr-4057	297	3	consumer	consumer	NOUN
fsr-4057	297	4	finance	finance	NOUN
fsr-4057	297	5	.	.	PUNCT
fsr-4057	298	1	https://www.consumerfinance.gov/dataresearch/research-reports/chatbots-inconsumer-finance/chatbots-inconsumer-finance/	https://www.consumerfinance.gov/dataresearch/research-reports/chatbots-inconsumer-finance/chatbots-inconsumer-finance/	PROPN
fsr-4057	298	2	consumer	consumer	PROPN
fsr-4057	298	3	financial	financial	PROPN
fsr-4057	298	4	protection	protection	PROPN
fsr-4057	298	5	bureau	bureau	PROPN
fsr-4057	298	6	(	(	PUNCT
fsr-4057	298	7	cfpb	cfpb	NOUN
fsr-4057	298	8	)	)	PUNCT
fsr-4057	298	9	(	(	PUNCT
fsr-4057	298	10	2023c	2023c	NUM
fsr-4057	298	11	)	)	PUNCT
fsr-4057	298	12	.	.	PUNCT
fsr-4057	299	1	consumer	consumer	NOUN
fsr-4057	299	2	financial	financial	ADJ
fsr-4057	299	3	protection	protection	PROPN
fsr-4057	299	4	circular	circular	ADJ
fsr-4057	299	5	2023	2023	NUM
fsr-4057	299	6	-	-	SYM
fsr-4057	299	7	02	02	NUM
fsr-4057	299	8	:	:	PUNCT
fsr-4057	299	9	reopening	reopen	VERB
fsr-4057	299	10	deposit	deposit	NOUN
fsr-4057	299	11	accounts	account	VERB
fsr-4057	299	12	that	that	SCONJ
fsr-4057	299	13	consumer	consumer	NOUN
fsr-4057	299	14	previously	previously	ADV
fsr-4057	299	15	closed	close	VERB
fsr-4057	299	16	.	.	PUNCT
fsr-4057	300	1	https://www.consumerfinance.gov/comp	https://www.consumerfinance.gov/comp	NOUN
fsr-4057	300	2	liance	liance	NOUN
fsr-4057	300	3	/	/	SYM
fsr-4057	300	4	circulars	circular	NOUN
fsr-4057	300	5	/	/	SYM
fsr-4057	300	6	consumer	consumer	NOUN
fsr-4057	300	7	-	-	PUNCT
fsr-4057	300	8	financialprotection	financialprotection	NOUN
fsr-4057	300	9	-	-	PUNCT
fsr-4057	300	10	circular-2023	circular-2023	NOUN
fsr-4057	300	11	-	-	PUNCT
fsr-4057	300	12	02	02	NUM
fsr-4057	300	13	-	-	PUNCT
fsr-4057	300	14	reopeningdeposit	reopeningdeposit	NOUN
fsr-4057	300	15	-	-	PUNCT
fsr-4057	300	16	accounts	account	NOUN
fsr-4057	300	17	-	-	PUNCT
fsr-4057	300	18	that	that	SCONJ
fsr-4057	300	19	-	-	PUNCT
fsr-4057	300	20	consumerspreviously	consumerspreviously	ADV
fsr-4057	300	21	-	-	PUNCT
fsr-4057	300	22	closed/	closed/	NUM
fsr-4057	300	23	consumer	consumer	NOUN
fsr-4057	300	24	financial	financial	PROPN
fsr-4057	300	25	protection	protection	PROPN
fsr-4057	300	26	bureau	bureau	PROPN
fsr-4057	300	27	,	,	PUNCT
fsr-4057	300	28	(	(	PUNCT
fsr-4057	300	29	cfpb	cfpb	NOUN
fsr-4057	300	30	)	)	PUNCT
fsr-4057	300	31	.	.	PUNCT
fsr-4057	301	1	(	(	PUNCT
fsr-4057	301	2	2023	2023	NUM
fsr-4057	301	3	,	,	PUNCT
fsr-4057	301	4	october	october	PROPN
fsr-4057	301	5	16	16	NUM
fsr-4057	301	6	)	)	PUNCT
fsr-4057	301	7	.	.	PUNCT
fsr-4057	302	1	consumer	consumer	NOUN
fsr-4057	302	2	information	information	NOUN
fsr-4057	302	3	requests	request	NOUN
fsr-4057	302	4	to	to	ADP
fsr-4057	302	5	large	large	ADJ
fsr-4057	302	6	banks	bank	NOUN
fsr-4057	302	7	and	and	CCONJ
fsr-4057	302	8	credit	credit	NOUN
fsr-4057	302	9	unions	union	NOUN
fsr-4057	302	10	.	.	PUNCT
fsr-4057	303	1	federal	federal	ADJ
fsr-4057	303	2	register	register	PROPN
fsr-4057	303	3	,	,	PUNCT
fsr-4057	303	4	88(198	88(198	NOUN
fsr-4057	303	5	)	)	PUNCT
fsr-4057	303	6	,	,	PUNCT
fsr-4057	303	7	71120	71120	NUM
fsr-4057	303	8	-	-	SYM
fsr-4057	303	9	71124	71124	NUM
fsr-4057	303	10	.	.	PUNCT
fsr-4057	304	1	https://www.federalregister.gov/docume	https://www.federalregister.gov/docume	PROPN
fsr-4057	304	2	nts/2023/10/16/2023	nts/2023/10/16/2023	NOUN
fsr-4057	304	3	-	-	SYM
fsr-4057	304	4	22774	22774	NUM
fsr-4057	304	5	/	/	SYM
fsr-4057	304	6	consumerinformation	consumerinformation	NOUN
fsr-4057	304	7	-	-	PUNCT
fsr-4057	304	8	requests	request	NOUN
fsr-4057	304	9	-	-	PUNCT
fsr-4057	304	10	to	to	ADP
fsr-4057	304	11	-	-	PUNCT
fsr-4057	304	12	large	large	ADJ
fsr-4057	304	13	-	-	PUNCT
fsr-4057	304	14	banksand	banksand	NOUN
fsr-4057	304	15	-	-	PUNCT
fsr-4057	304	16	credit	credit	NOUN
fsr-4057	304	17	-	-	PUNCT
fsr-4057	304	18	unions	union	NOUN
fsr-4057	305	1	https://doi.org/10.61190/fsr.v31i2/3.3541	https://doi.org/10.61190/fsr.v31i2/3.3541	PROPN
fsr-4057	306	1	https://doi.org/10.61190/fsr.v31i2/3.3541	https://doi.org/10.61190/fsr.v31i2/3.3541	PROPN
fsr-4057	307	1	https://citeseerx.ist.psu.edu/document?repid=rep1&type=pdf&doi=2e7d38a47f9278568fb7f82cc1b7ce0095d4c193	https://citeseerx.ist.psu.edu/document?repid=rep1&type=pdf&doi=2e7d38a47f9278568fb7f82cc1b7ce0095d4c193	NOUN
fsr-4057	307	2	https://citeseerx.ist.psu.edu/document?repid=rep1&type=pdf&doi=2e7d38a47f9278568fb7f82cc1b7ce0095d4c193	https://citeseerx.ist.psu.edu/document?repid=rep1&type=pdf&doi=2e7d38a47f9278568fb7f82cc1b7ce0095d4c193	PROPN
fsr-4057	307	3	https://citeseerx.ist.psu.edu/document?repid=rep1&type=pdf&doi=2e7d38a47f9278568fb7f82cc1b7ce0095d4c193	https://citeseerx.ist.psu.edu/document?repid=rep1&type=pdf&doi=2e7d38a47f9278568fb7f82cc1b7ce0095d4c193	PROPN
fsr-4057	307	4	https://psycnet.apa.org/doi/10.1037/h0026256	https://psycnet.apa.org/doi/10.1037/h0026256	PROPN
fsr-4057	307	5	https://doi.org/10.1177/0276146708316049	https://doi.org/10.1177/0276146708316049	PROPN
fsr-4057	307	6	https://www.consumerfinance.gov/data-research/research-reports/building-the-cfpb/	https://www.consumerfinance.gov/data-research/research-reports/building-the-cfpb/	PROPN
fsr-4057	307	7	https://www.consumerfinance.gov/data-research/research-reports/building-the-cfpb/	https://www.consumerfinance.gov/data-research/research-reports/building-the-cfpb/	PROPN
fsr-4057	307	8	https://www.consumerfinance.gov/data-research/research-reports/building-the-cfpb/	https://www.consumerfinance.gov/data-research/research-reports/building-the-cfpb/	PROPN
fsr-4057	308	1	https://files.consumerfinance.gov/f/documents/bcfp_fin-well-being_full-scorecard.pdf	https://files.consumerfinance.gov/f/documents/bcfp_fin-well-being_full-scorecard.pdf	PROPN
fsr-4057	308	2	https://files.consumerfinance.gov/f/documents/bcfp_fin-well-being_full-scorecard.pdf	https://files.consumerfinance.gov/f/documents/bcfp_fin-well-being_full-scorecard.pdf	PROPN
fsr-4057	308	3	https://files.consumerfinance.gov/f/documents/bcfp_fin-well-being_full-scorecard.pdf	https://files.consumerfinance.gov/f/documents/bcfp_fin-well-being_full-scorecard.pdf	PROPN
fsr-4057	308	4	https://www.consumerfinance.gov/data-research/consumer-complaints/	https://www.consumerfinance.gov/data-research/consumer-complaints/	PROPN
fsr-4057	308	5	https://www.consumerfinance.gov/data-research/consumer-complaints/	https://www.consumerfinance.gov/data-research/consumer-complaints/	PROPN
fsr-4057	308	6	https://www.consumerfinance.gov/complaint/process/	https://www.consumerfinance.gov/complaint/process/	PROPN
fsr-4057	308	7	https://www.consumerfinance.gov/complaint/process/	https://www.consumerfinance.gov/complaint/process/	PROPN
fsr-4057	308	8	https://www.consumerfinance.gov/compliance/consumer-complaint-program/	https://www.consumerfinance.gov/compliance/consumer-complaint-program/	PROPN
fsr-4057	308	9	https://www.consumerfinance.gov/compliance/consumer-complaint-program/	https://www.consumerfinance.gov/compliance/consumer-complaint-program/	PROPN
fsr-4057	308	10	https://files.consumerfinance.gov/f/documents/cfpb_consumer-response-annual-report_2019.pdf	https://files.consumerfinance.gov/f/documents/cfpb_consumer-response-annual-report_2019.pdf	PROPN
fsr-4057	308	11	https://files.consumerfinance.gov/f/documents/cfpb_consumer-response-annual-report_2019.pdf	https://files.consumerfinance.gov/f/documents/cfpb_consumer-response-annual-report_2019.pdf	PROPN
fsr-4057	308	12	https://files.consumerfinance.gov/f/documents/cfpb_consumer-response-annual-report_2019.pdf	https://files.consumerfinance.gov/f/documents/cfpb_consumer-response-annual-report_2019.pdf	ADP
fsr-4057	308	13	https://files.consumerfinance.gov/f/documents/cfpb_2021-consumer-response-annual-report_2022-03.pdf	https://files.consumerfinance.gov/f/documents/cfpb_2021-consumer-response-annual-report_2022-03.pdf	X
fsr-4057	308	14	https://files.consumerfinance.gov/f/documents/cfpb_2021-consumer-response-annual-report_2022-03.pdf	https://files.consumerfinance.gov/f/documents/cfpb_2021-consumer-response-annual-report_2022-03.pdf	X
fsr-4057	308	15	https://files.consumerfinance.gov/f/documents/cfpb_2021-consumer-response-annual-report_2022-03.pdf	https://files.consumerfinance.gov/f/documents/cfpb_2021-consumer-response-annual-report_2022-03.pdf	X
fsr-4057	308	16	https://files.consumerfinance.gov/f/documents/cfpb_2021-consumer-response-annual-report_2022-03.pdf	https://files.consumerfinance.gov/f/documents/cfpb_2021-consumer-response-annual-report_2022-03.pdf	X
fsr-4057	308	17	https://files.consumerfinance.gov/f/documents/cfpb_2021-consumer-response-annual-report_2022-03.pdf	https://files.consumerfinance.gov/f/documents/cfpb_2021-consumer-response-annual-report_2022-03.pdf	X
fsr-4057	308	18	https://files.consumerfinance.gov/f/documents/cfpb_2021-consumer-response-annual-report_2022-03.pdf	https://files.consumerfinance.gov/f/documents/cfpb_2021-consumer-response-annual-report_2022-03.pdf	X
fsr-4057	308	19	https://files.consumerfinance.gov/f/documents/cfpb_2022-consumer-response-annual-report_2023-03.pdf	https://files.consumerfinance.gov/f/documents/cfpb_2022-consumer-response-annual-report_2023-03.pdf	X
fsr-4057	308	20	https://files.consumerfinance.gov/f/documents/cfpb_2022-consumer-response-annual-report_2023-03.pdf	https://files.consumerfinance.gov/f/documents/cfpb_2022-consumer-response-annual-report_2023-03.pdf	X
fsr-4057	308	21	https://files.consumerfinance.gov/f/documents/cfpb_2022-consumer-response-annual-report_2023-03.pdf	https://files.consumerfinance.gov/f/documents/cfpb_2022-consumer-response-annual-report_2023-03.pdf	PROPN
fsr-4057	308	22	https://www.consumerfinance.gov/data-research/research-reports/chatbots-in-consumer-finance/chatbots-in-consumer-finance/	https://www.consumerfinance.gov/data-research/research-reports/chatbots-in-consumer-finance/chatbots-in-consumer-finance/	PROPN
fsr-4057	308	23	https://www.consumerfinance.gov/data-research/research-reports/chatbots-in-consumer-finance/chatbots-in-consumer-finance/	https://www.consumerfinance.gov/data-research/research-reports/chatbots-in-consumer-finance/chatbots-in-consumer-finance/	PROPN
fsr-4057	308	24	https://www.consumerfinance.gov/data-research/research-reports/chatbots-in-consumer-finance/chatbots-in-consumer-finance/	https://www.consumerfinance.gov/data-research/research-reports/chatbots-in-consumer-finance/chatbots-in-consumer-finance/	PROPN
fsr-4057	308	25	https://www.consumerfinance.gov/data-research/research-reports/chatbots-in-consumer-finance/chatbots-in-consumer-finance/	https://www.consumerfinance.gov/data-research/research-reports/chatbots-in-consumer-finance/chatbots-in-consumer-finance/	PROPN
fsr-4057	308	26	https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/	https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/	PROPN
fsr-4057	308	27	https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/	https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/	PROPN
fsr-4057	308	28	https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/	https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/	PROPN
fsr-4057	308	29	https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/	https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/	PROPN
fsr-4057	308	30	https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/	https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2023-02-reopening-deposit-accounts-that-consumers-previously-closed/	PROPN
fsr-4057	308	31	https://www.federalregister.gov/documents/2023/10/16/2023-22774/consumer-information-requests-to-large-banks-and-credit-unions	https://www.federalregister.gov/documents/2023/10/16/2023-22774/consumer-information-requests-to-large-banks-and-credit-union	NOUN
fsr-4057	308	32	https://www.federalregister.gov/documents/2023/10/16/2023-22774/consumer-information-requests-to-large-banks-and-credit-unions	https://www.federalregister.gov/documents/2023/10/16/2023-22774/consumer-information-requests-to-large-banks-and-credit-unions	PROPN
fsr-4057	308	33	https://www.federalregister.gov/documents/2023/10/16/2023-22774/consumer-information-requests-to-large-banks-and-credit-unions	https://www.federalregister.gov/documents/2023/10/16/2023-22774/consumer-information-requests-to-large-banks-and-credit-unions	PROPN
fsr-4057	308	34	https://www.federalregister.gov/documents/2023/10/16/2023-22774/consumer-information-requests-to-large-banks-and-credit-unions	https://www.federalregister.gov/documents/2023/10/16/2023-22774/consumer-information-requests-to-large-banks-and-credit-union	NOUN
fsr-4057	308	35	birkenmaier	birkenmaier	X
fsr-4057	308	36	&	&	CCONJ
fsr-4057	308	37	stratman	stratman	PROPN
fsr-4057	308	38	33	33	NUM
fsr-4057	308	39	consumer	consumer	NOUN
fsr-4057	308	40	financial	financial	PROPN
fsr-4057	308	41	protection	protection	PROPN
fsr-4057	308	42	bureau	bureau	PROPN
fsr-4057	308	43	(	(	PUNCT
fsr-4057	308	44	cfpb	cfpb	NOUN
fsr-4057	308	45	)	)	PUNCT
fsr-4057	308	46	.	.	PUNCT
fsr-4057	309	1	(	(	PUNCT
fsr-4057	309	2	2023e	2023e	NUM
fsr-4057	309	3	)	)	PUNCT
fsr-4057	309	4	.	.	PUNCT
fsr-4057	310	1	consumer	consumer	NOUN
fsr-4057	310	2	response	response	NOUN
fsr-4057	310	3	annual	annual	ADJ
fsr-4057	310	4	report	report	NOUN
fsr-4057	310	5	.	.	PUNCT
fsr-4057	311	1	https://files.consumerfinance.gov/f/docu	https://files.consumerfinance.gov/f/docu	PROPN
fsr-4057	311	2	ments	ment	NOUN
fsr-4057	311	3	/	/	SYM
fsr-4057	311	4	cfpb_2022	cfpb_2022	NOUN
fsr-4057	311	5	-	-	PUNCT
fsr-4057	311	6	consumer	consumer	NOUN
fsr-4057	311	7	-	-	PUNCT
fsr-4057	311	8	responseannual	responseannual	ADJ
fsr-4057	311	9	-	-	PUNCT
fsr-4057	311	10	report_2023	report_2023	NOUN
fsr-4057	311	11	-	-	PUNCT
fsr-4057	311	12	03.pdf	03.pdf	PROPN
fsr-4057	311	13	consumer	consumer	NOUN
fsr-4057	311	14	financial	financial	PROPN
fsr-4057	311	15	protection	protection	PROPN
fsr-4057	311	16	bureau	bureau	PROPN
fsr-4057	311	17	(	(	PUNCT
fsr-4057	311	18	cfpb	cfpb	NOUN
fsr-4057	311	19	)	)	PUNCT
fsr-4057	311	20	.	.	PUNCT
fsr-4057	312	1	(	(	PUNCT
fsr-4057	312	2	2024	2024	NUM
fsr-4057	312	3	,	,	PUNCT
fsr-4057	312	4	[	[	X
fsr-4057	312	5	july	july	PROPN
fsr-4057	312	6	9	9	NUM
fsr-4057	312	7	]	]	SYM
fsr-4057	312	8	)	)	PUNCT
fsr-4057	312	9	.	.	PUNCT
fsr-4057	313	1	cfpb	cfpb	NOUN
fsr-4057	313	2	takes	take	VERB
fsr-4057	313	3	action	action	NOUN
fsr-4057	313	4	against	against	ADP
fsr-4057	313	5	fifth	fifth	ADJ
fsr-4057	313	6	third	third	NOUN
fsr-4057	313	7	for	for	ADP
fsr-4057	313	8	wrongfully	wrongfully	ADV
fsr-4057	313	9	triggering	trigger	VERB
fsr-4057	313	10	auto	auto	NOUN
fsr-4057	313	11	repossessions	repossession	NOUN
fsr-4057	313	12	and	and	CCONJ
fsr-4057	313	13	opening	open	VERB
fsr-4057	313	14	fake	fake	ADJ
fsr-4057	313	15	bank	bank	NOUN
fsr-4057	313	16	accounts	account	NOUN
fsr-4057	313	17	.	.	PUNCT
fsr-4057	314	1	https://www.consumerfinance.gov/about	https://www.consumerfinance.gov/about	ADP
fsr-4057	314	2	-us	-us	NOUN
fsr-4057	314	3	/	/	SYM
fsr-4057	314	4	newsroom	newsroom	NOUN
fsr-4057	314	5	/	/	SYM
fsr-4057	314	6	cfpb	cfpb	NOUN
fsr-4057	314	7	-	-	PUNCT
fsr-4057	314	8	takes	take	NOUN
fsr-4057	314	9	-	-	PUNCT
fsr-4057	314	10	actionagainst	actionagainst	NOUN
fsr-4057	314	11	-	-	PUNCT
fsr-4057	314	12	fifth	fifth	ADJ
fsr-4057	314	13	-	-	PUNCT
fsr-4057	314	14	third	third	NOUN
fsr-4057	314	15	-	-	PUNCT
fsr-4057	314	16	for	for	ADP
fsr-4057	314	17	-	-	PUNCT
fsr-4057	314	18	wrongfullytriggering	wrongfullytriggering	NOUN
fsr-4057	314	19	-	-	PUNCT
fsr-4057	314	20	auto	auto	NOUN
fsr-4057	314	21	-	-	PUNCT
fsr-4057	314	22	repossessions	repossession	NOUN
fsr-4057	314	23	-	-	PUNCT
fsr-4057	314	24	andopening	andopene	VERB
fsr-4057	314	25	-	-	PUNCT
fsr-4057	314	26	fake	fake	ADJ
fsr-4057	314	27	-	-	PUNCT
fsr-4057	314	28	bank	bank	NOUN
fsr-4057	314	29	-	-	PUNCT
fsr-4057	314	30	accounts/	accounts/	NOUN
fsr-4057	314	31	dou	dou	NOUN
fsr-4057	314	32	,	,	PUNCT
fsr-4057	314	33	y.	y.	PROPN
fsr-4057	314	34	,	,	PUNCT
fsr-4057	314	35	hung	hung	PROPN
fsr-4057	314	36	,	,	PUNCT
fsr-4057	314	37	m.	m.	NOUN
fsr-4057	314	38	,	,	PUNCT
fsr-4057	314	39	she	she	PRON
fsr-4057	314	40	,	,	PUNCT
fsr-4057	314	41	g.	g.	PROPN
fsr-4057	314	42	,	,	PUNCT
fsr-4057	314	43	&	&	CCONJ
fsr-4057	314	44	wang	wang	PROPN
fsr-4057	314	45	,	,	PUNCT
fsr-4057	314	46	l.	l.	PROPN
fsr-4057	314	47	l.	l.	PROPN
fsr-4057	314	48	(	(	PUNCT
fsr-4057	314	49	2024	2024	NUM
fsr-4057	314	50	)	)	PUNCT
fsr-4057	314	51	.	.	PUNCT
fsr-4057	315	1	learning	learn	VERB
fsr-4057	315	2	from	from	ADP
fsr-4057	315	3	peers	peer	NOUN
fsr-4057	315	4	:	:	PUNCT
fsr-4057	315	5	evidence	evidence	NOUN
fsr-4057	315	6	from	from	ADP
fsr-4057	315	7	disclosure	disclosure	NOUN
fsr-4057	315	8	of	of	ADP
fsr-4057	315	9	consumer	consumer	NOUN
fsr-4057	315	10	complaints	complaint	NOUN
fsr-4057	315	11	.	.	PUNCT
fsr-4057	316	1	journal	journal	NOUN
fsr-4057	316	2	of	of	ADP
fsr-4057	316	3	accounting	accounting	NOUN
fsr-4057	316	4	and	and	CCONJ
fsr-4057	316	5	economics	economic	NOUN
fsr-4057	316	6	,	,	PUNCT
fsr-4057	316	7	77(2	77(2	X
fsr-4057	316	8	-	-	SYM
fsr-4057	316	9	3	3	NUM
fsr-4057	316	10	)	)	PUNCT
fsr-4057	316	11	,	,	PUNCT
fsr-4057	316	12	101620	101620	NUM
fsr-4057	316	13	.	.	PUNCT
fsr-4057	317	1	https://doi.org/10.1016/j.jacceco.2023.1	https://doi.org/10.1016/j.jacceco.2023.1	NUM
fsr-4057	317	2	01620	01620	NUM
fsr-4057	317	3	edelman	edelman	NOUN
fsr-4057	317	4	.	.	PUNCT
fsr-4057	318	1	(	(	PUNCT
fsr-4057	318	2	2022	2022	NUM
fsr-4057	318	3	)	)	PUNCT
fsr-4057	318	4	.	.	PUNCT
fsr-4057	319	1	how	how	SCONJ
fsr-4057	319	2	distrust	distrust	NOUN
fsr-4057	319	3	and	and	CCONJ
fsr-4057	319	4	economic	economic	ADJ
fsr-4057	319	5	fears	fear	NOUN
fsr-4057	319	6	are	be	AUX
fsr-4057	319	7	contributing	contribute	VERB
fsr-4057	319	8	to	to	PART
fsr-4057	319	9	headwinds	headwind	NOUN
fsr-4057	319	10	in	in	ADP
fsr-4057	319	11	the	the	DET
fsr-4057	319	12	financial	financial	ADJ
fsr-4057	319	13	services	service	NOUN
fsr-4057	319	14	sector	sector	NOUN
fsr-4057	319	15	.	.	PUNCT
fsr-4057	320	1	https://www.edelman.com/trust/2022trust-barometer/trust-financial-servicessector	https://www.edelman.com/trust/2022trust-barometer/trust-financial-servicessector	VERB
fsr-4057	320	2	estelami	estelami	NOUN
fsr-4057	320	3	,	,	PUNCT
fsr-4057	320	4	h.	h.	PROPN
fsr-4057	320	5	&	&	CCONJ
fsr-4057	320	6	liu	liu	PROPN
fsr-4057	320	7	,	,	PUNCT
fsr-4057	320	8	k.	k.	PROPN
fsr-4057	320	9	(	(	PUNCT
fsr-4057	320	10	2023	2023	NUM
fsr-4057	320	11	)	)	PUNCT
fsr-4057	320	12	.	.	PUNCT
fsr-4057	321	1	content	content	NOUN
fsr-4057	321	2	analysis	analysis	NOUN
fsr-4057	321	3	of	of	ADP
fsr-4057	321	4	american	american	ADJ
fsr-4057	321	5	consumers	consumer	NOUN
fsr-4057	321	6	’	’	PART
fsr-4057	321	7	credit	credit	NOUN
fsr-4057	321	8	card	card	NOUN
fsr-4057	321	9	fraud	fraud	NOUN
fsr-4057	321	10	complaints	complaint	NOUN
fsr-4057	321	11	filed	file	VERB
fsr-4057	321	12	with	with	ADP
fsr-4057	321	13	the	the	DET
fsr-4057	321	14	consumer	consumer	NOUN
fsr-4057	321	15	financial	financial	PROPN
fsr-4057	321	16	protection	protection	PROPN
fsr-4057	321	17	bureau	bureau	PROPN
fsr-4057	321	18	.	.	PUNCT
fsr-4057	322	1	journal	journal	PROPN
fsr-4057	322	2	of	of	ADP
fsr-4057	322	3	financial	financial	ADJ
fsr-4057	322	4	crime	crime	NOUN
fsr-4057	322	5	.	.	PUNCT
fsr-4057	323	1	https://doi.org/10.1108/jfc-03-20230070	https://doi.org/10.1108/jfc-03-20230070	X
fsr-4057	323	2	federal	federal	ADJ
fsr-4057	323	3	deposit	deposit	NOUN
fsr-4057	323	4	insurance	insurance	NOUN
fsr-4057	323	5	corporation	corporation	NOUN
fsr-4057	323	6	(	(	PUNCT
fsr-4057	323	7	fdic	fdic	PROPN
fsr-4057	323	8	)	)	PUNCT
fsr-4057	323	9	.	.	PUNCT
fsr-4057	324	1	(	(	PUNCT
fsr-4057	324	2	2019	2019	NUM
fsr-4057	324	3	)	)	PUNCT
fsr-4057	324	4	.	.	PUNCT
fsr-4057	325	1	how	how	SCONJ
fsr-4057	325	2	america	america	PROPN
fsr-4057	325	3	banks	bank	NOUN
fsr-4057	325	4	:	:	PUNCT
fsr-4057	325	5	household	household	NOUN
fsr-4057	325	6	use	use	NOUN
fsr-4057	325	7	of	of	ADP
fsr-4057	325	8	banking	banking	NOUN
fsr-4057	325	9	and	and	CCONJ
fsr-4057	325	10	financial	financial	ADJ
fsr-4057	325	11	services	service	NOUN
fsr-4057	325	12	.	.	PUNCT
fsr-4057	326	1	https://www.fdic.gov/analysis/househol	https://www.fdic.gov/analysis/househol	NOUN
fsr-4057	326	2	d	d	X
fsr-4057	326	3	-	-	PUNCT
fsr-4057	326	4	survey/2019/2019report.pdf	survey/2019/2019report.pdf	PROPN
fsr-4057	326	5	federal	federal	ADJ
fsr-4057	326	6	deposit	deposit	NOUN
fsr-4057	326	7	insurance	insurance	NOUN
fsr-4057	326	8	corporation	corporation	NOUN
fsr-4057	326	9	(	(	PUNCT
fsr-4057	326	10	fdic	fdic	PROPN
fsr-4057	326	11	)	)	PUNCT
fsr-4057	326	12	.	.	PUNCT
fsr-4057	327	1	(	(	PUNCT
fsr-4057	327	2	2022	2022	NUM
fsr-4057	327	3	)	)	PUNCT
fsr-4057	327	4	.	.	PUNCT
fsr-4057	328	1	2021	2021	NUM
fsr-4057	328	2	fdic	fdic	PROPN
fsr-4057	328	3	national	national	PROPN
fsr-4057	328	4	survey	survey	NOUN
fsr-4057	328	5	of	of	ADP
fsr-4057	328	6	unbanked	unbanked	ADJ
fsr-4057	328	7	and	and	CCONJ
fsr-4057	328	8	underbanked	underbanked	ADJ
fsr-4057	328	9	households	household	NOUN
fsr-4057	328	10	.	.	PUNCT
fsr-4057	329	1	https://www.fdic.gov/analysis/househol	https://www.fdic.gov/analysis/househol	NOUN
fsr-4057	329	2	d	d	X
fsr-4057	329	3	-	-	PUNCT
fsr-4057	329	4	survey/2021execsum.pdf	survey/2021execsum.pdf	ADJ
fsr-4057	329	5	federal	federal	PROPN
fsr-4057	329	6	trade	trade	PROPN
fsr-4057	329	7	commission	commission	PROPN
fsr-4057	329	8	(	(	PUNCT
fsr-4057	329	9	ftc	ftc	PROPN
fsr-4057	329	10	)	)	PUNCT
fsr-4057	329	11	.	.	PUNCT
fsr-4057	330	1	(	(	PUNCT
fsr-4057	330	2	n.d	n.d	PROPN
fsr-4057	330	3	.	.	PROPN
fsr-4057	330	4	)	)	PUNCT
fsr-4057	330	5	.	.	PUNCT
fsr-4057	331	1	bureau	bureau	PROPN
fsr-4057	331	2	of	of	ADP
fsr-4057	331	3	consumer	consumer	NOUN
fsr-4057	331	4	protection	protection	NOUN
fsr-4057	331	5	.	.	PUNCT
fsr-4057	332	1	https://www.ftc.gov/about-ftc/bureausoffices/bureau-consumer-protection	https://www.ftc.gov/about-ftc/bureausoffices/bureau-consumer-protection	NOUN
fsr-4057	332	2	friedline	friedline	NOUN
fsr-4057	332	3	,	,	PUNCT
fsr-4057	332	4	t.	t.	PROPN
fsr-4057	332	5	&	&	CCONJ
fsr-4057	332	6	pawar	pawar	PROPN
fsr-4057	332	7	,	,	PUNCT
fsr-4057	332	8	a.	a.	NOUN
fsr-4057	332	9	(	(	PUNCT
fsr-4057	332	10	2023	2023	NUM
fsr-4057	332	11	)	)	PUNCT
fsr-4057	332	12	.	.	PUNCT
fsr-4057	333	1	can	can	AUX
fsr-4057	333	2	a	a	DET
fsr-4057	333	3	public	public	ADJ
fsr-4057	333	4	bank	bank	NOUN
fsr-4057	333	5	redress	redress	NOUN
fsr-4057	333	6	the	the	DET
fsr-4057	333	7	private	private	ADJ
fsr-4057	333	8	banking	banking	NOUN
fsr-4057	333	9	industry	industry	NOUN
fsr-4057	333	10	’s	’s	PART
fsr-4057	333	11	harms	harm	NOUN
fsr-4057	333	12	to	to	ADP
fsr-4057	333	13	chicago	chicago	PROPN
fsr-4057	333	14	’s	’s	PART
fsr-4057	333	15	residents	resident	NOUN
fsr-4057	333	16	?	?	PUNCT
fsr-4057	334	1	an	an	DET
fsr-4057	334	2	analysis	analysis	NOUN
fsr-4057	334	3	of	of	ADP
fsr-4057	334	4	the	the	DET
fsr-4057	334	5	consumer	consumer	NOUN
fsr-4057	334	6	financial	financial	PROPN
fsr-4057	334	7	protection	protection	PROPN
fsr-4057	334	8	bureau	bureau	PROPN
fsr-4057	334	9	’s	’s	PART
fsr-4057	334	10	complaints	complaint	NOUN
fsr-4057	334	11	database	database	NOUN
fsr-4057	334	12	[	[	X
fsr-4057	334	13	policy	policy	NOUN
fsr-4057	334	14	brief	brief	NOUN
fsr-4057	334	15	]	]	X
fsr-4057	334	16	.	.	PUNCT
fsr-4057	335	1	poverty	poverty	NOUN
fsr-4057	335	2	solutions	solution	NOUN
fsr-4057	335	3	,	,	PUNCT
fsr-4057	335	4	university	university	NOUN
fsr-4057	335	5	of	of	ADP
fsr-4057	335	6	michigan	michigan	PROPN
fsr-4057	335	7	.	.	PUNCT
fsr-4057	336	1	https://sites.fordschool.umich.edu/povert	https://sites.fordschool.umich.edu/povert	PROPN
fsr-4057	336	2	y2021	y2021	PROPN
fsr-4057	336	3	/	/	SYM
fsr-4057	336	4	files/2023/01	files/2023/01	NOUN
fsr-4057	336	5	/	/	SYM
fsr-4057	336	6	final	final	ADJ
fsr-4057	336	7	-	-	PUNCT
fsr-4057	336	8	terri	terri	NOUN
fsr-4057	336	9	-	-	PUNCT
fsr-4057	336	10	pb2023.pdf	pb2023.pdf	PROPN
fsr-4057	336	11	garrett	garrett	PROPN
fsr-4057	336	12	,	,	PUNCT
fsr-4057	336	13	d.	d.	PROPN
fsr-4057	336	14	e.	e.	PROPN
fsr-4057	336	15	,	,	PUNCT
fsr-4057	336	16	&	&	CCONJ
fsr-4057	336	17	toumanoff	toumanoff	PROPN
fsr-4057	336	18	,	,	PUNCT
fsr-4057	336	19	p.	p.	NOUN
fsr-4057	336	20	g.	g.	PROPN
fsr-4057	336	21	(	(	PUNCT
fsr-4057	336	22	2010	2010	NUM
fsr-4057	336	23	)	)	PUNCT
fsr-4057	336	24	.	.	PUNCT
fsr-4057	337	1	are	be	AUX
fsr-4057	337	2	consumers	consumer	NOUN
fsr-4057	337	3	disadvantaged	disadvantaged	ADJ
fsr-4057	337	4	or	or	CCONJ
fsr-4057	337	5	vulnerable	vulnerable	ADJ
fsr-4057	337	6	?	?	PUNCT
fsr-4057	338	1	an	an	DET
fsr-4057	338	2	examination	examination	NOUN
fsr-4057	338	3	of	of	ADP
fsr-4057	338	4	consumer	consumer	NOUN
fsr-4057	338	5	complaints	complaint	NOUN
fsr-4057	338	6	to	to	ADP
fsr-4057	338	7	the	the	DET
fsr-4057	338	8	better	well	ADJ
fsr-4057	338	9	business	business	PROPN
fsr-4057	338	10	bureau	bureau	PROPN
fsr-4057	338	11	.	.	PUNCT
fsr-4057	339	1	journal	journal	PROPN
fsr-4057	339	2	of	of	ADP
fsr-4057	339	3	consumer	consumer	NOUN
fsr-4057	339	4	affairs	affair	NOUN
fsr-4057	339	5	,	,	PUNCT
fsr-4057	339	6	44(1	44(1	PROPN
fsr-4057	339	7	)	)	PUNCT
fsr-4057	339	8	,	,	PUNCT
fsr-4057	339	9	3	3	NUM
fsr-4057	339	10	-	-	SYM
fsr-4057	339	11	23	23	NUM
fsr-4057	339	12	.	.	PUNCT
fsr-4057	340	1	https://doi.org/10.1111/j.17456606.2010.01155.x	https://doi.org/10.1111/j.17456606.2010.01155.x	X
fsr-4057	341	1	goodstein	goodstein	ADV
fsr-4057	341	2	,	,	PUNCT
fsr-4057	341	3	r.	r.	PROPN
fsr-4057	341	4	m.	m.	PROPN
fsr-4057	341	5	,	,	PUNCT
fsr-4057	341	6	&	&	CCONJ
fsr-4057	341	7	kutzbach	kutzbach	PROPN
fsr-4057	341	8	,	,	PUNCT
fsr-4057	341	9	m.	m.	NOUN
fsr-4057	341	10	j.	j.	PROPN
fsr-4057	341	11	(	(	PUNCT
fsr-4057	341	12	2024	2024	NUM
fsr-4057	341	13	)	)	PUNCT
fsr-4057	341	14	.	.	PUNCT
fsr-4057	342	1	the	the	DET
fsr-4057	342	2	effect	effect	NOUN
fsr-4057	342	3	of	of	ADP
fsr-4057	342	4	job	job	NOUN
fsr-4057	342	5	loss	loss	NOUN
fsr-4057	342	6	on	on	ADP
fsr-4057	342	7	bank	bank	PROPN
fsr-4057	342	8	account	account	NOUN
fsr-4057	342	9	ownership	ownership	NOUN
fsr-4057	342	10	.	.	PUNCT
fsr-4057	343	1	journal	journal	NOUN
fsr-4057	343	2	of	of	ADP
fsr-4057	343	3	money	money	NOUN
fsr-4057	343	4	,	,	PUNCT
fsr-4057	343	5	credit	credit	NOUN
fsr-4057	343	6	and	and	CCONJ
fsr-4057	343	7	banking	banking	NOUN
fsr-4057	343	8	.	.	PUNCT
fsr-4057	344	1	https://doi.org/10.1111/jmcb.13127	https://doi.org/10.1111/jmcb.13127	NOUN
fsr-4057	344	2	gyamfi	gyamfi	PROPN
fsr-4057	344	3	,	,	PUNCT
fsr-4057	344	4	n.	n.	PROPN
fsr-4057	344	5	k.	k.	PROPN
fsr-4057	344	6	,	,	PUNCT
fsr-4057	344	7	mohammed	mohammed	PROPN
fsr-4057	344	8	,	,	PUNCT
fsr-4057	344	9	m.	m.	NOUN
fsr-4057	344	10	a.	a.	PROPN
fsr-4057	344	11	,	,	PUNCT
fsr-4057	344	12	nuamahgyambra	nuamahgyambra	PROPN
fsr-4057	344	13	,	,	PUNCT
fsr-4057	344	14	k.	k.	PROPN
fsr-4057	344	15	,	,	PUNCT
fsr-4057	344	16	katsriku	katsriku	PROPN
fsr-4057	344	17	,	,	PUNCT
fsr-4057	344	18	f.	f.	PROPN
fsr-4057	344	19	,	,	PUNCT
fsr-4057	344	20	&	&	CCONJ
fsr-4057	344	21	abdulah	abdulah	PROPN
fsr-4057	344	22	,	,	PUNCT
fsr-4057	344	23	j.	j.	PROPN
fsr-4057	344	24	d.	d.	PROPN
fsr-4057	344	25	(	(	PUNCT
fsr-4057	344	26	2016	2016	NUM
fsr-4057	344	27	)	)	PUNCT
fsr-4057	344	28	.	.	PUNCT
fsr-4057	345	1	enhancing	enhance	VERB
fsr-4057	345	2	the	the	DET
fsr-4057	345	3	security	security	NOUN
fsr-4057	345	4	features	feature	NOUN
fsr-4057	345	5	of	of	ADP
fsr-4057	345	6	automated	automate	VERB
fsr-4057	345	7	teller	teller	NOUN
fsr-4057	345	8	machines	machine	NOUN
fsr-4057	345	9	(	(	PUNCT
fsr-4057	345	10	atms	atms	PROPN
fsr-4057	345	11	):	):	PUNCT
fsr-4057	345	12	a	a	DET
fsr-4057	345	13	ghanaian	ghanaian	ADJ
fsr-4057	345	14	perspective	perspective	NOUN
fsr-4057	345	15	.	.	PUNCT
fsr-4057	346	1	international	international	ADJ
fsr-4057	346	2	journal	journal	PROPN
fsr-4057	346	3	of	of	ADP
fsr-4057	346	4	applied	apply	VERB
fsr-4057	346	5	science	science	NOUN
fsr-4057	346	6	and	and	CCONJ
fsr-4057	346	7	technology	technology	NOUN
fsr-4057	346	8	,	,	PUNCT
fsr-4057	346	9	6(1	6(1	NUM
fsr-4057	346	10	)	)	PUNCT
fsr-4057	346	11	,	,	PUNCT
fsr-4057	346	12	102	102	NUM
fsr-4057	346	13	-	-	SYM
fsr-4057	346	14	112	112	NUM
fsr-4057	346	15	.	.	PUNCT
fsr-4057	347	1	halvorsen	halvorsen	PROPN
fsr-4057	347	2	,	,	PUNCT
fsr-4057	347	3	j.	j.	PROPN
fsr-4057	347	4	l.	l.	PROPN
fsr-4057	347	5	&	&	CCONJ
fsr-4057	347	6	møkkelgård	møkkelgård	PROPN
fsr-4057	347	7	,	,	PUNCT
fsr-4057	347	8	p.	p.	PROPN
fsr-4057	347	9	j.	j.	PROPN
fsr-4057	347	10	(	(	PUNCT
fsr-4057	347	11	2018	2018	NUM
fsr-4057	347	12	)	)	PUNCT
fsr-4057	347	13	.	.	PUNCT
fsr-4057	348	1	financial	financial	ADJ
fsr-4057	348	2	literacy	literacy	NOUN
fsr-4057	348	3	and	and	CCONJ
fsr-4057	348	4	other	other	ADJ
fsr-4057	348	5	determinants	determinant	NOUN
fsr-4057	348	6	of	of	ADP
fsr-4057	348	7	consumer	consumer	NOUN
fsr-4057	348	8	complaint	complaint	NOUN
fsr-4057	348	9	behavior	behavior	NOUN
fsr-4057	348	10	:	:	PUNCT
fsr-4057	348	11	an	an	DET
fsr-4057	348	12	empirical	empirical	ADJ
fsr-4057	348	13	study	study	NOUN
fsr-4057	348	14	utilizing	utilize	VERB
fsr-4057	348	15	the	the	DET
fsr-4057	348	16	cfpb	cfpb	NOUN
fsr-4057	348	17	’s	’s	PART
fsr-4057	348	18	complaint	complaint	NOUN
fsr-4057	348	19	database	database	NOUN
fsr-4057	348	20	.	.	PUNCT
fsr-4057	349	1	[	[	X
fsr-4057	349	2	master	master	NOUN
fsr-4057	349	3	's	's	PART
fsr-4057	349	4	thesis	thesis	NOUN
fsr-4057	349	5	,	,	PUNCT
fsr-4057	349	6	norwegian	norwegian	ADJ
fsr-4057	349	7	school	school	NOUN
fsr-4057	349	8	of	of	ADP
fsr-4057	349	9	economics	economic	NOUN
fsr-4057	349	10	]	]	PUNCT
fsr-4057	349	11	.	.	PUNCT
fsr-4057	350	1	nhh	nhh	PROPN
fsr-4057	350	2	brage	brage	NOUN
fsr-4057	350	3	.	.	PUNCT
fsr-4057	351	1	hayes	hayes	PROPN
fsr-4057	351	2	,	,	PUNCT
fsr-4057	351	3	r.	r.	PROPN
fsr-4057	351	4	m.	m.	PROPN
fsr-4057	351	5	,	,	PUNCT
fsr-4057	351	6	jiang	jiang	PROPN
fsr-4057	351	7	,	,	PUNCT
fsr-4057	351	8	f.	f.	PROPN
fsr-4057	351	9	,	,	PUNCT
fsr-4057	351	10	&	&	CCONJ
fsr-4057	351	11	pan	pan	PROPN
fsr-4057	351	12	,	,	PUNCT
fsr-4057	351	13	y.	y.	PROPN
fsr-4057	351	14	(	(	PUNCT
fsr-4057	351	15	2021	2021	NUM
fsr-4057	351	16	)	)	PUNCT
fsr-4057	351	17	.	.	PUNCT
fsr-4057	352	1	voice	voice	NOUN
fsr-4057	352	2	of	of	ADP
fsr-4057	352	3	the	the	DET
fsr-4057	352	4	customers	customer	NOUN
fsr-4057	352	5	:	:	PUNCT
fsr-4057	352	6	local	local	ADJ
fsr-4057	352	7	trust	trust	NOUN
fsr-4057	352	8	culture	culture	NOUN
fsr-4057	352	9	and	and	CCONJ
fsr-4057	352	10	consumer	consumer	NOUN
fsr-4057	352	11	complaints	complaint	NOUN
fsr-4057	352	12	to	to	ADP
fsr-4057	352	13	the	the	DET
fsr-4057	352	14	cfpb	cfpb	NOUN
fsr-4057	352	15	.	.	PUNCT
fsr-4057	353	1	journal	journal	NOUN
fsr-4057	353	2	of	of	ADP
fsr-4057	353	3	accounting	accounting	NOUN
fsr-4057	353	4	research	research	NOUN
fsr-4057	353	5	,	,	PUNCT
fsr-4057	353	6	59(3	59(3	NUM
fsr-4057	353	7	)	)	PUNCT
fsr-4057	353	8	,	,	PUNCT
fsr-4057	353	9	1077	1077	NUM
fsr-4057	353	10	-	-	SYM
fsr-4057	353	11	1121	1121	NUM
fsr-4057	353	12	.	.	PUNCT
fsr-4057	354	1	https://doi.org/10.1111/1475679x.12364	https://doi.org/10.1111/1475679x.12364	ADJ
fsr-4057	354	2	https://files.consumerfinance.gov/f/documents/cfpb_2022-consumer-response-annual-report_2023-03.pdf	https://files.consumerfinance.gov/f/documents/cfpb_2022-consumer-response-annual-report_2023-03.pdf	ADJ
fsr-4057	354	3	https://files.consumerfinance.gov/f/documents/cfpb_2022-consumer-response-annual-report_2023-03.pdf	https://files.consumerfinance.gov/f/documents/cfpb_2022-consumer-response-annual-report_2023-03.pdf	X
fsr-4057	354	4	https://files.consumerfinance.gov/f/documents/cfpb_2022-consumer-response-annual-report_2023-03.pdf	https://files.consumerfinance.gov/f/documents/cfpb_2022-consumer-response-annual-report_2023-03.pdf	X
fsr-4057	354	5	https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-fifth-third-for-wrongfully-triggering-auto-repossessions-and-opening-fake-bank-accounts/	https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-fifth-third-for-wrongfully-triggering-auto-repossessions-and-opening-fake-bank-accounts/	NOUN
fsr-4057	354	6	https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-fifth-third-for-wrongfully-triggering-auto-repossessions-and-opening-fake-bank-accounts/	https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-fifth-third-for-wrongfully-triggering-auto-repossessions-and-opening-fake-bank-accounts/	NOUN
fsr-4057	354	7	https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-fifth-third-for-wrongfully-triggering-auto-repossessions-and-opening-fake-bank-accounts/	https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-fifth-third-for-wrongfully-triggering-auto-repossessions-and-opening-fake-bank-accounts/	NOUN
fsr-4057	354	8	https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-fifth-third-for-wrongfully-triggering-auto-repossessions-and-opening-fake-bank-accounts/	https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-fifth-third-for-wrongfully-triggering-auto-repossessions-and-opening-fake-bank-accounts/	NOUN
fsr-4057	354	9	https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-fifth-third-for-wrongfully-triggering-auto-repossessions-and-opening-fake-bank-accounts/	https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-fifth-third-for-wrongfully-triggering-auto-repossessions-and-opening-fake-bank-accounts/	PUNCT
fsr-4057	354	10	https://doi.org/10.1016/j.jacceco.2023.101620	https://doi.org/10.1016/j.jacceco.2023.101620	PROPN
fsr-4057	354	11	https://doi.org/10.1016/j.jacceco.2023.101620	https://doi.org/10.1016/j.jacceco.2023.101620	PROPN
fsr-4057	354	12	https://www.edelman.com/trust/2022-trust-barometer/trust-financial-services-sector	https://www.edelman.com/trust/2022-trust-barometer/trust-financial-services-sector	NOUN
fsr-4057	354	13	https://www.edelman.com/trust/2022-trust-barometer/trust-financial-services-sector	https://www.edelman.com/trust/2022-trust-barometer/trust-financial-services-sector	NOUN
fsr-4057	354	14	https://www.edelman.com/trust/2022-trust-barometer/trust-financial-services-sector	https://www.edelman.com/trust/2022-trust-barometer/trust-financial-services-sector	NOUN
fsr-4057	354	15	https://doi.org/10.1108/jfc-03-2023-0070	https://doi.org/10.1108/jfc-03-2023-0070	NOUN
fsr-4057	354	16	https://doi.org/10.1108/jfc-03-2023-0070	https://doi.org/10.1108/jfc-03-2023-0070	NOUN
fsr-4057	355	1	https://www.fdic.gov/analysis/household-survey/2019/2019report.pdf	https://www.fdic.gov/analysis/household-survey/2019/2019report.pdf	PROPN
fsr-4057	355	2	https://www.fdic.gov/analysis/household-survey/2019/2019report.pdf	https://www.fdic.gov/analysis/household-survey/2019/2019report.pdf	PROPN
fsr-4057	355	3	https://www.fdic.gov/analysis/household-survey/2021execsum.pdf	https://www.fdic.gov/analysis/household-survey/2021execsum.pdf	PROPN
fsr-4057	355	4	https://www.fdic.gov/analysis/household-survey/2021execsum.pdf	https://www.fdic.gov/analysis/household-survey/2021execsum.pdf	PROPN
fsr-4057	355	5	https://www.ftc.gov/about-ftc/bureaus-offices/bureau-consumer-protection	https://www.ftc.gov/about-ftc/bureaus-offices/bureau-consumer-protection	PROPN
fsr-4057	355	6	https://www.ftc.gov/about-ftc/bureaus-offices/bureau-consumer-protection	https://www.ftc.gov/about-ftc/bureaus-offices/bureau-consumer-protection	PROPN
fsr-4057	355	7	https://sites.fordschool.umich.edu/poverty2021/files/2023/01/final-terri-pb-2023.pdf	https://sites.fordschool.umich.edu/poverty2021/files/2023/01/final-terri-pb-2023.pdf	ADJ
fsr-4057	355	8	https://sites.fordschool.umich.edu/poverty2021/files/2023/01/final-terri-pb-2023.pdf	https://sites.fordschool.umich.edu/poverty2021/files/2023/01/final-terri-pb-2023.pdf	NOUN
fsr-4057	355	9	https://sites.fordschool.umich.edu/poverty2021/files/2023/01/final-terri-pb-2023.pdf	https://sites.fordschool.umich.edu/poverty2021/files/2023/01/final-terri-pb-2023.pdf	NOUN
fsr-4057	355	10	https://doi.org/10.1111/j.1745-6606.2010.01155.x	https://doi.org/10.1111/j.1745-6606.2010.01155.x	ADJ
fsr-4057	355	11	https://doi.org/10.1111/j.1745-6606.2010.01155.x	https://doi.org/10.1111/j.1745-6606.2010.01155.x	ADJ
fsr-4057	355	12	https://doi.org/10.1111/jmcb.13127	https://doi.org/10.1111/jmcb.13127	NOUN
fsr-4057	355	13	https://doi.org/10.1111/1475-679x.12364	https://doi.org/10.1111/1475-679x.12364	NOUN
fsr-4057	355	14	https://doi.org/10.1111/1475-679x.12364	https://doi.org/10.1111/1475-679x.12364	NOUN
fsr-4057	355	15	financial	financial	ADJ
fsr-4057	355	16	services	service	NOUN
fsr-4057	355	17	review	review	NOUN
fsr-4057	355	18	,	,	PUNCT
fsr-4057	355	19	33(2	33(2	NUM
fsr-4057	355	20	)	)	PUNCT
fsr-4057	355	21	34	34	NUM
fsr-4057	355	22	hsu	hsu	PROPN
fsr-4057	355	23	,	,	PUNCT
fsr-4057	355	24	m.	m.	PROPN
fsr-4057	355	25	j.	j.	PROPN
fsr-4057	355	26	(	(	PUNCT
fsr-4057	355	27	2024	2024	NUM
fsr-4057	355	28	)	)	PUNCT
fsr-4057	355	29	.	.	PUNCT
fsr-4057	356	1	acting	act	VERB
fsr-4057	356	2	comptroller	comptroller	NOUN
fsr-4057	356	3	of	of	ADP
fsr-4057	356	4	the	the	DET
fsr-4057	356	5	currency	currency	NOUN
fsr-4057	356	6	michael	michael	PROPN
fsr-4057	356	7	j.	j.	PROPN
fsr-4057	356	8	hsu	hsu	PROPN
fsr-4057	356	9	remarks	remark	VERB
fsr-4057	356	10	for	for	ADP
fsr-4057	356	11	the	the	DET
fsr-4057	356	12	financial	financial	ADJ
fsr-4057	356	13	literacy	literacy	NOUN
fsr-4057	356	14	and	and	CCONJ
fsr-4057	356	15	education	education	NOUN
fsr-4057	356	16	commission	commission	NOUN
fsr-4057	356	17	’s	’s	PART
fsr-4057	356	18	public	public	ADJ
fsr-4057	356	19	meeting	meeting	NOUN
fsr-4057	356	20	:	:	PUNCT
fsr-4057	356	21	banks	bank	NOUN
fsr-4057	356	22	’	'	PUNCT
fsr-4057	356	23	role	role	NOUN
fsr-4057	356	24	in	in	ADP
fsr-4057	356	25	addressing	address	VERB
fsr-4057	356	26	fraud	fraud	NOUN
fsr-4057	356	27	against	against	ADP
fsr-4057	356	28	consumers	consumer	NOUN
fsr-4057	356	29	.	.	PUNCT
fsr-4057	357	1	comptroller	comptroller	NOUN
fsr-4057	357	2	of	of	ADP
fsr-4057	357	3	the	the	DET
fsr-4057	357	4	currency	currency	NOUN
fsr-4057	357	5	.	.	PUNCT
fsr-4057	358	1	https://www.occ.gov/newsissuances/speeches/2024/pub-speech2024-75.pdf	https://www.occ.gov/newsissuances/speeches/2024/pub-speech2024-75.pdf	ADJ
fsr-4057	358	2	jelisejevs	jelisejevs	PROPN
fsr-4057	358	3	,	,	PUNCT
fsr-4057	358	4	a.	a.	NOUN
fsr-4057	358	5	(	(	PUNCT
fsr-4057	358	6	2021	2021	NUM
fsr-4057	358	7	)	)	PUNCT
fsr-4057	358	8	.	.	PUNCT
fsr-4057	359	1	crucial	crucial	ADJ
fsr-4057	359	2	issues	issue	NOUN
fsr-4057	359	3	with	with	ADP
fsr-4057	359	4	legal	legal	ADJ
fsr-4057	359	5	protection	protection	NOUN
fsr-4057	359	6	of	of	ADP
fsr-4057	359	7	consumers	consumer	NOUN
fsr-4057	359	8	human	human	ADJ
fsr-4057	359	9	rights	right	NOUN
fsr-4057	359	10	when	when	SCONJ
fsr-4057	359	11	banks	bank	NOUN
fsr-4057	359	12	unilaterally	unilaterally	ADV
fsr-4057	359	13	close	close	VERB
fsr-4057	359	14	accounts	account	NOUN
fsr-4057	359	15	.	.	PUNCT
fsr-4057	360	1	athens	athens	PROPN
fsr-4057	360	2	journal	journal	PROPN
fsr-4057	360	3	of	of	ADP
fsr-4057	360	4	law	law	NOUN
fsr-4057	360	5	,	,	PUNCT
fsr-4057	360	6	7	7	NUM
fsr-4057	360	7	,	,	PUNCT
fsr-4057	360	8	617	617	NUM
fsr-4057	360	9	-	-	SYM
fsr-4057	360	10	634	634	NUM
fsr-4057	360	11	.	.	PUNCT
fsr-4057	361	1	https://doi.org/10.30958/ajl.7-4-11	https://doi.org/10.30958/ajl.7-4-11	PROPN
fsr-4057	361	2	kabadayi	kabadayi	PROPN
fsr-4057	361	3	,	,	PUNCT
fsr-4057	361	4	s.	s.	PROPN
fsr-4057	361	5	(	(	PUNCT
fsr-4057	361	6	2016	2016	NUM
fsr-4057	361	7	)	)	PUNCT
fsr-4057	361	8	.	.	PUNCT
fsr-4057	362	1	customers	customer	NOUN
fsr-4057	362	2	’	'	PUNCT
fsr-4057	362	3	dissatisfaction	dissatisfaction	NOUN
fsr-4057	362	4	with	with	ADP
fsr-4057	362	5	banking	banking	NOUN
fsr-4057	362	6	channels	channel	NOUN
fsr-4057	362	7	and	and	CCONJ
fsr-4057	362	8	their	their	PRON
fsr-4057	362	9	intention	intention	NOUN
fsr-4057	362	10	to	to	PART
fsr-4057	362	11	leave	leave	VERB
fsr-4057	362	12	banks	bank	NOUN
fsr-4057	362	13	:	:	PUNCT
fsr-4057	362	14	the	the	DET
fsr-4057	362	15	moderating	moderate	VERB
fsr-4057	362	16	effect	effect	NOUN
fsr-4057	362	17	of	of	ADP
fsr-4057	362	18	trust	trust	NOUN
fsr-4057	362	19	and	and	CCONJ
fsr-4057	362	20	trusting	trusting	NOUN
fsr-4057	362	21	beliefs	belief	NOUN
fsr-4057	362	22	.	.	PUNCT
fsr-4057	363	1	journal	journal	PROPN
fsr-4057	363	2	of	of	ADP
fsr-4057	363	3	financial	financial	ADJ
fsr-4057	363	4	services	service	NOUN
fsr-4057	363	5	marketing	marketing	NOUN
fsr-4057	363	6	,	,	PUNCT
fsr-4057	363	7	21	21	NUM
fsr-4057	363	8	,	,	PUNCT
fsr-4057	363	9	194	194	NUM
fsr-4057	363	10	–	–	SYM
fsr-4057	363	11	208	208	NUM
fsr-4057	363	12	.	.	PUNCT
fsr-4057	364	1	https://doi.org/10.1057/s41264016-0005-2	https://doi.org/10.1057/s41264016-0005-2	PROPN
fsr-4057	364	2	kamran	kamran	PROPN
fsr-4057	364	3	,	,	PUNCT
fsr-4057	364	4	s.	s.	PROPN
fsr-4057	364	5	&	&	CCONJ
fsr-4057	364	6	uusitalo	uusitalo	PROPN
fsr-4057	364	7	,	,	PUNCT
fsr-4057	364	8	o.	o.	NOUN
fsr-4057	364	9	(	(	PUNCT
fsr-4057	364	10	2019	2019	NUM
fsr-4057	364	11	)	)	PUNCT
fsr-4057	364	12	.	.	PUNCT
fsr-4057	365	1	banks	bank	NOUN
fsr-4057	365	2	’	'	PUNCT
fsr-4057	365	3	unfairness	unfairness	NOUN
fsr-4057	365	4	and	and	CCONJ
fsr-4057	365	5	the	the	DET
fsr-4057	365	6	vulnerability	vulnerability	NOUN
fsr-4057	365	7	of	of	ADP
fsr-4057	365	8	lowincome	lowincome	ADJ
fsr-4057	365	9	unbanked	unbanked	ADJ
fsr-4057	365	10	consumers	consumer	NOUN
fsr-4057	365	11	.	.	PUNCT
fsr-4057	366	1	the	the	DET
fsr-4057	366	2	service	service	NOUN
fsr-4057	366	3	industries	industry	NOUN
fsr-4057	366	4	journal	journal	NOUN
fsr-4057	366	5	,	,	PUNCT
fsr-4057	366	6	39(1	39(1	NUM
fsr-4057	366	7	)	)	PUNCT
fsr-4057	366	8	,	,	PUNCT
fsr-4057	366	9	65	65	NUM
fsr-4057	366	10	-	-	SYM
fsr-4057	366	11	85	85	NUM
fsr-4057	366	12	.	.	PUNCT
fsr-4057	366	13	https://doi.org/10.1080/02642069.2018	https://doi.org/10.1080/02642069.2018	PROPN
fsr-4057	366	14	.	.	PUNCT
fsr-4057	367	1	1436704	1436704	NUM
fsr-4057	367	2	kim	kim	PROPN
fsr-4057	367	3	,	,	PUNCT
fsr-4057	367	4	y.	y.	PROPN
fsr-4057	367	5	,	,	PUNCT
fsr-4057	367	6	lee	lee	PROPN
fsr-4057	367	7	,	,	PUNCT
fsr-4057	367	8	w.	w.	PROPN
fsr-4057	367	9	n.	n.	PROPN
fsr-4057	367	10	,	,	PUNCT
fsr-4057	367	11	&	&	CCONJ
fsr-4057	367	12	jung	jung	PROPN
fsr-4057	367	13	,	,	PUNCT
fsr-4057	367	14	j.	j.	PROPN
fsr-4057	367	15	h.	h.	PROPN
fsr-4057	367	16	(	(	PUNCT
fsr-4057	367	17	2013	2013	NUM
fsr-4057	367	18	)	)	PUNCT
fsr-4057	367	19	.	.	PUNCT
fsr-4057	368	1	changing	change	VERB
fsr-4057	368	2	the	the	DET
fsr-4057	368	3	stakes	stake	NOUN
fsr-4057	368	4	:	:	PUNCT
fsr-4057	368	5	a	a	DET
fsr-4057	368	6	content	content	NOUN
fsr-4057	368	7	analysis	analysis	NOUN
fsr-4057	368	8	of	of	ADP
fsr-4057	368	9	internet	internet	NOUN
fsr-4057	368	10	gambling	gambling	NOUN
fsr-4057	368	11	advertising	advertising	NOUN
fsr-4057	368	12	in	in	ADP
fsr-4057	368	13	tv	tv	NOUN
fsr-4057	368	14	poker	poker	NOUN
fsr-4057	368	15	programs	program	NOUN
fsr-4057	368	16	between	between	ADP
fsr-4057	368	17	2006	2006	NUM
fsr-4057	368	18	and	and	CCONJ
fsr-4057	368	19	2010	2010	NUM
fsr-4057	368	20	.	.	PUNCT
fsr-4057	369	1	journal	journal	PROPN
fsr-4057	369	2	of	of	ADP
fsr-4057	369	3	business	business	NOUN
fsr-4057	369	4	research	research	NOUN
fsr-4057	369	5	,	,	PUNCT
fsr-4057	369	6	66(9	66(9	NUM
fsr-4057	369	7	)	)	PUNCT
fsr-4057	369	8	,	,	PUNCT
fsr-4057	369	9	1644	1644	NUM
fsr-4057	369	10	-	-	SYM
fsr-4057	369	11	1650	1650	NUM
fsr-4057	369	12	.	.	PUNCT
fsr-4057	370	1	https://doi.org/10.1016/j.jbusres.2012.12	https://doi.org/10.1016/j.jbusres.2012.12	PROPN
fsr-4057	370	2	.010	.010	NUM
fsr-4057	370	3	klapper	klapper	PROPN
fsr-4057	370	4	,	,	PUNCT
fsr-4057	370	5	l.	l.	PROPN
fsr-4057	370	6	&	&	CCONJ
fsr-4057	370	7	lusardi	lusardi	PROPN
fsr-4057	370	8	,	,	PUNCT
fsr-4057	370	9	a.	a.	NOUN
fsr-4057	370	10	(	(	PUNCT
fsr-4057	370	11	2019	2019	NUM
fsr-4057	370	12	)	)	PUNCT
fsr-4057	370	13	.	.	PUNCT
fsr-4057	371	1	financial	financial	ADJ
fsr-4057	371	2	literacy	literacy	NOUN
fsr-4057	371	3	and	and	CCONJ
fsr-4057	371	4	financial	financial	ADJ
fsr-4057	371	5	resilience	resilience	NOUN
fsr-4057	371	6	:	:	PUNCT
fsr-4057	371	7	evidence	evidence	NOUN
fsr-4057	371	8	from	from	ADP
fsr-4057	371	9	around	around	ADP
fsr-4057	371	10	the	the	DET
fsr-4057	371	11	world	world	NOUN
fsr-4057	371	12	.	.	PUNCT
fsr-4057	372	1	financial	financial	ADJ
fsr-4057	372	2	management	management	NOUN
fsr-4057	372	3	,	,	PUNCT
fsr-4057	372	4	49(3	49(3	PROPN
fsr-4057	372	5	)	)	PUNCT
fsr-4057	372	6	,	,	PUNCT
fsr-4057	372	7	589	589	NUM
fsr-4057	372	8	-	-	SYM
fsr-4057	372	9	614	614	NUM
fsr-4057	372	10	.	.	PUNCT
fsr-4057	373	1	https://doi.org/10.1111/fima.12283	https://doi.org/10.1111/fima.12283	NUM
fsr-4057	373	2	krippendorff	krippendorff	PROPN
fsr-4057	373	3	,	,	PUNCT
fsr-4057	373	4	k.	k.	PROPN
fsr-4057	373	5	(	(	PUNCT
fsr-4057	373	6	2019	2019	NUM
fsr-4057	373	7	)	)	PUNCT
fsr-4057	373	8	.	.	PUNCT
fsr-4057	374	1	content	content	NOUN
fsr-4057	374	2	analysis	analysis	NOUN
fsr-4057	374	3	:	:	PUNCT
fsr-4057	374	4	an	an	DET
fsr-4057	374	5	introduction	introduction	NOUN
fsr-4057	374	6	to	to	ADP
fsr-4057	374	7	its	its	PRON
fsr-4057	374	8	methodology	methodology	NOUN
fsr-4057	374	9	.	.	PUNCT
fsr-4057	375	1	sage	sage	NOUN
fsr-4057	375	2	.	.	PUNCT
fsr-4057	376	1	lee	lee	PROPN
fsr-4057	376	2	,	,	PUNCT
fsr-4057	376	3	n.	n.	PROPN
fsr-4057	376	4	t.	t.	PROPN
fsr-4057	376	5	,	,	PUNCT
fsr-4057	376	6	seddon	seddon	PROPN
fsr-4057	376	7	,	,	PUNCT
fsr-4057	376	8	j.	j.	PROPN
fsr-4057	376	9	,	,	PUNCT
fsr-4057	376	10	tanner	tanner	NOUN
fsr-4057	376	11	,	,	PUNCT
fsr-4057	376	12	b.	b.	PROPN
fsr-4057	376	13	&	&	CCONJ
fsr-4057	376	14	lai	lai	PROPN
fsr-4057	376	15	,	,	PUNCT
fsr-4057	376	16	s.	s.	PROPN
fsr-4057	376	17	(	(	PUNCT
fsr-4057	376	18	2022	2022	NUM
fsr-4057	376	19	)	)	PUNCT
fsr-4057	376	20	.	.	PUNCT
fsr-4057	377	1	why	why	SCONJ
fsr-4057	377	2	the	the	DET
fsr-4057	377	3	federal	federal	ADJ
fsr-4057	377	4	government	government	NOUN
fsr-4057	377	5	needs	need	VERB
fsr-4057	377	6	to	to	PART
fsr-4057	377	7	step	step	VERB
fsr-4057	377	8	up	up	ADP
fsr-4057	377	9	efforts	effort	NOUN
fsr-4057	377	10	to	to	PART
fsr-4057	377	11	close	close	VERB
fsr-4057	377	12	the	the	DET
fsr-4057	377	13	rural	rural	ADJ
fsr-4057	377	14	broadband	broadband	NOUN
fsr-4057	377	15	divide	divide	NOUN
fsr-4057	377	16	.	.	PUNCT
fsr-4057	378	1	brookings	brookings	PROPN
fsr-4057	378	2	.	.	PUNCT
fsr-4057	379	1	https://www.brookings.edu/articles/why	https://www.brookings.edu/articles/why	ADP
fsr-4057	379	2	-the	-the	ADJ
fsr-4057	379	3	-	-	ADJ
fsr-4057	379	4	federal	federal	ADJ
fsr-4057	379	5	-	-	PUNCT
fsr-4057	379	6	government	government	NOUN
fsr-4057	379	7	-	-	PUNCT
fsr-4057	379	8	needs	need	NOUN
fsr-4057	379	9	-	-	PUNCT
fsr-4057	379	10	to	to	ADP
fsr-4057	379	11	-	-	PUNCT
fsr-4057	379	12	stepup	stepup	VERB
fsr-4057	379	13	-	-	PUNCT
fsr-4057	379	14	their	their	PRON
fsr-4057	379	15	-	-	PUNCT
fsr-4057	379	16	efforts	effort	NOUN
fsr-4057	379	17	-	-	PUNCT
fsr-4057	379	18	to	to	ADP
fsr-4057	379	19	-	-	PUNCT
fsr-4057	379	20	close	close	VERB
fsr-4057	379	21	-	-	PUNCT
fsr-4057	379	22	the	the	DET
fsr-4057	379	23	-	-	PUNCT
fsr-4057	379	24	ruralbroadband	ruralbroadband	NOUN
fsr-4057	379	25	-	-	PUNCT
fsr-4057	379	26	divide/	divide/	NUM
fsr-4057	379	27	lecoeuvre	lecoeuvre	NOUN
fsr-4057	379	28	,	,	PUNCT
fsr-4057	379	29	l.	l.	PROPN
fsr-4057	379	30	,	,	PUNCT
fsr-4057	379	31	turner	turner	PROPN
fsr-4057	379	32	,	,	PUNCT
fsr-4057	379	33	r.	r.	PROPN
fsr-4057	379	34	,	,	PUNCT
fsr-4057	379	35	&	&	CCONJ
fsr-4057	379	36	kuppelwieser	kuppelwieser	PROPN
fsr-4057	379	37	,	,	PUNCT
fsr-4057	379	38	v.	v.	PROPN
fsr-4057	379	39	g.	g.	PROPN
fsr-4057	379	40	(	(	PUNCT
fsr-4057	379	41	2021	2021	NUM
fsr-4057	379	42	)	)	PUNCT
fsr-4057	379	43	.	.	PUNCT
fsr-4057	380	1	customer	customer	NOUN
fsr-4057	380	2	experience	experience	NOUN
fsr-4057	380	3	in	in	ADP
fsr-4057	380	4	the	the	DET
fsr-4057	380	5	b2b	b2b	NOUN
fsr-4057	380	6	area	area	NOUN
fsr-4057	380	7	:	:	PUNCT
fsr-4057	380	8	the	the	DET
fsr-4057	380	9	impact	impact	NOUN
fsr-4057	380	10	of	of	ADP
fsr-4057	380	11	age	age	NOUN
fsr-4057	380	12	-	-	PUNCT
fsr-4057	380	13	related	relate	VERB
fsr-4057	380	14	impressions	impression	NOUN
fsr-4057	380	15	.	.	PUNCT
fsr-4057	381	1	journal	journal	NOUN
fsr-4057	381	2	of	of	ADP
fsr-4057	381	3	retailing	retailing	NOUN
fsr-4057	381	4	and	and	CCONJ
fsr-4057	381	5	consumer	consumer	NOUN
fsr-4057	381	6	services	service	NOUN
fsr-4057	381	7	,	,	PUNCT
fsr-4057	381	8	58	58	NUM
fsr-4057	381	9	,	,	PUNCT
fsr-4057	381	10	102216	102216	NUM
fsr-4057	381	11	.	.	PUNCT
fsr-4057	382	1	https://doi.org/10.1016/j.jretconser.2020	https://doi.org/10.1016/j.jretconser.2020	PROPN
fsr-4057	382	2	.102216	.102216	PROPN
fsr-4057	382	3	lim	lim	PROPN
fsr-4057	382	4	,	,	PUNCT
fsr-4057	382	5	h.	h.	PROPN
fsr-4057	382	6	,	,	PUNCT
fsr-4057	382	7	&	&	CCONJ
fsr-4057	382	8	letkiewicz	letkiewicz	PROPN
fsr-4057	382	9	,	,	PUNCT
fsr-4057	382	10	j.	j.	PROPN
fsr-4057	382	11	c.	c.	PROPN
fsr-4057	382	12	(	(	PUNCT
fsr-4057	382	13	2023	2023	NUM
fsr-4057	382	14	)	)	PUNCT
fsr-4057	382	15	.	.	PUNCT
fsr-4057	383	1	consumer	consumer	NOUN
fsr-4057	383	2	experience	experience	NOUN
fsr-4057	383	3	of	of	ADP
fsr-4057	383	4	mistreatment	mistreatment	NOUN
fsr-4057	383	5	and	and	CCONJ
fsr-4057	383	6	fraud	fraud	NOUN
fsr-4057	383	7	in	in	ADP
fsr-4057	383	8	financial	financial	ADJ
fsr-4057	383	9	services	service	NOUN
fsr-4057	383	10	:	:	PUNCT
fsr-4057	383	11	implications	implication	NOUN
fsr-4057	383	12	from	from	ADP
fsr-4057	383	13	an	an	DET
fsr-4057	383	14	integrative	integrative	ADJ
fsr-4057	383	15	consumer	consumer	NOUN
fsr-4057	383	16	vulnerability	vulnerability	NOUN
fsr-4057	383	17	framework	framework	NOUN
fsr-4057	383	18	.	.	PUNCT
fsr-4057	384	1	journal	journal	NOUN
fsr-4057	384	2	of	of	ADP
fsr-4057	384	3	consumer	consumer	NOUN
fsr-4057	384	4	policy	policy	NOUN
fsr-4057	384	5	,	,	PUNCT
fsr-4057	384	6	46(2	46(2	NOUN
fsr-4057	384	7	)	)	PUNCT
fsr-4057	384	8	,	,	PUNCT
fsr-4057	384	9	109	109	NUM
fsr-4057	384	10	-	-	SYM
fsr-4057	384	11	135	135	NUM
fsr-4057	384	12	.	.	PUNCT
fsr-4057	385	1	https://doi.org/10.1007/s10603-02309535-w	https://doi.org/10.1007/s10603-02309535-w	NOUN
fsr-4057	385	2	mogaji	mogaji	NOUN
fsr-4057	385	3	,	,	PUNCT
fsr-4057	385	4	e.	e.	PROPN
fsr-4057	385	5	(	(	PUNCT
fsr-4057	385	6	2020	2020	NUM
fsr-4057	385	7	)	)	PUNCT
fsr-4057	385	8	.	.	PUNCT
fsr-4057	386	1	consumers	consumer	NOUN
fsr-4057	386	2	’	’	PART
fsr-4057	386	3	financial	financial	ADJ
fsr-4057	386	4	vulnerability	vulnerability	NOUN
fsr-4057	386	5	when	when	SCONJ
fsr-4057	386	6	accessing	access	VERB
fsr-4057	386	7	financial	financial	ADJ
fsr-4057	386	8	services	service	NOUN
fsr-4057	386	9	.	.	PUNCT
fsr-4057	387	1	research	research	NOUN
fsr-4057	387	2	agenda	agenda	NOUN
fsr-4057	387	3	working	working	NOUN
fsr-4057	387	4	papers	paper	NOUN
fsr-4057	387	5	,	,	PUNCT
fsr-4057	387	6	3	3	NUM
fsr-4057	387	7	,	,	PUNCT
fsr-4057	387	8	27	27	NUM
fsr-4057	387	9	-	-	SYM
fsr-4057	387	10	39	39	NUM
fsr-4057	387	11	.	.	PUNCT
fsr-4057	388	1	https://ssrn.com/abstract=3562889	https://ssrn.com/abstract=3562889	PROPN
fsr-4057	388	2	morgan	morgan	PROPN
fsr-4057	388	3	,	,	PUNCT
fsr-4057	388	4	r.	r.	PROPN
fsr-4057	388	5	e.	e.	PROPN
fsr-4057	388	6	(	(	PUNCT
fsr-4057	388	7	2021	2021	NUM
fsr-4057	388	8	)	)	PUNCT
fsr-4057	388	9	.	.	PUNCT
fsr-4057	389	1	financial	financial	ADJ
fsr-4057	389	2	fraud	fraud	NOUN
fsr-4057	389	3	in	in	ADP
fsr-4057	389	4	the	the	DET
fsr-4057	389	5	united	united	PROPN
fsr-4057	389	6	states	states	PROPN
fsr-4057	389	7	,	,	PUNCT
fsr-4057	389	8	2017	2017	NUM
fsr-4057	389	9	.	.	PUNCT
fsr-4057	390	1	u.s	u.s	PROPN
fsr-4057	390	2	.	.	PROPN
fsr-4057	390	3	department	department	PROPN
fsr-4057	390	4	of	of	ADP
fsr-4057	390	5	justice	justice	PROPN
fsr-4057	390	6	.	.	PUNCT
fsr-4057	391	1	https://bjs.ojp.gov/content/pub/pdf/ffus1	https://bjs.ojp.gov/content/pub/pdf/ffus1	X
fsr-4057	391	2	7.pdf	7.pdf	DET
fsr-4057	391	3	national	national	PROPN
fsr-4057	391	4	bureau	bureau	PROPN
fsr-4057	391	5	of	of	ADP
fsr-4057	391	6	economic	economic	ADJ
fsr-4057	391	7	research	research	NOUN
fsr-4057	391	8	.	.	PUNCT
fsr-4057	392	1	(	(	PUNCT
fsr-4057	392	2	2023	2023	NUM
fsr-4057	392	3	)	)	PUNCT
fsr-4057	392	4	.	.	PUNCT
fsr-4057	393	1	banks	bank	NOUN
fsr-4057	393	2	that	that	PRON
fsr-4057	393	3	relied	rely	VERB
fsr-4057	393	4	on	on	ADP
fsr-4057	393	5	branches	branch	NOUN
fsr-4057	393	6	,	,	PUNCT
fsr-4057	393	7	not	not	PART
fsr-4057	393	8	remote	remote	ADJ
fsr-4057	393	9	depositors	depositor	NOUN
fsr-4057	393	10	,	,	PUNCT
fsr-4057	393	11	fared	fare	VERB
fsr-4057	393	12	better	well	ADV
fsr-4057	393	13	in	in	ADP
fsr-4057	393	14	recent	recent	ADJ
fsr-4057	393	15	turmoil	turmoil	NOUN
fsr-4057	393	16	.	.	PUNCT
fsr-4057	394	1	https://www.nber.org/digest/202310/ban	https://www.nber.org/digest/202310/ban	X
fsr-4057	394	2	ks	ks	NOUN
fsr-4057	394	3	-	-	PUNCT
fsr-4057	394	4	relied	rely	VERB
fsr-4057	394	5	-	-	PUNCT
fsr-4057	394	6	branches	branch	NOUN
fsr-4057	394	7	-	-	PUNCT
fsr-4057	394	8	not	not	PART
fsr-4057	394	9	-	-	PUNCT
fsr-4057	394	10	remotedepositors	remotedepositor	NOUN
fsr-4057	394	11	-	-	PUNCT
fsr-4057	394	12	fared	fare	VERB
fsr-4057	394	13	-	-	PUNCT
fsr-4057	394	14	better	well	ADJ
fsr-4057	394	15	-	-	PUNCT
fsr-4057	394	16	recent	recent	ADJ
fsr-4057	394	17	-	-	PUNCT
fsr-4057	394	18	turmoil	turmoil	NOUN
fsr-4057	394	19	nndwamato	nndwamato	NOUN
fsr-4057	394	20	,	,	PUNCT
fsr-4057	394	21	m.	m.	NOUN
fsr-4057	394	22	(	(	PUNCT
fsr-4057	394	23	2018	2018	NUM
fsr-4057	394	24	)	)	PUNCT
fsr-4057	394	25	.	.	PUNCT
fsr-4057	395	1	influence	influence	NOUN
fsr-4057	395	2	of	of	ADP
fsr-4057	395	3	automated	automate	VERB
fsr-4057	395	4	teller	teller	NOUN
fsr-4057	395	5	machine	machine	NOUN
fsr-4057	395	6	service	service	NOUN
fsr-4057	395	7	quality	quality	NOUN
fsr-4057	395	8	on	on	ADP
fsr-4057	395	9	overall	overall	ADJ
fsr-4057	395	10	customer	customer	NOUN
fsr-4057	395	11	satisfaction	satisfaction	NOUN
fsr-4057	395	12	in	in	ADP
fsr-4057	395	13	retail	retail	ADJ
fsr-4057	395	14	banking	banking	NOUN
fsr-4057	395	15	sector	sector	NOUN
fsr-4057	395	16	(	(	PUNCT
fsr-4057	395	17	order	order	NOUN
fsr-4057	395	18	no	no	NOUN
fsr-4057	395	19	.	.	NOUN
fsr-4057	396	1	28284652	28284652	NUM
fsr-4057	396	2	)	)	PUNCT
fsr-4057	396	3	.	.	PUNCT
fsr-4057	397	1	[	[	X
fsr-4057	397	2	doctoral	doctoral	ADJ
fsr-4057	397	3	dissertation	dissertation	NOUN
fsr-4057	397	4	,	,	PUNCT
fsr-4057	397	5	university	university	PROPN
fsr-4057	397	6	of	of	ADP
fsr-4057	397	7	johannesburg	johannesburg	PROPN
fsr-4057	397	8	]	]	PUNCT
fsr-4057	397	9	.	.	PUNCT
fsr-4057	398	1	proquest	proquest	PROPN
fsr-4057	398	2	dissertations	dissertations	PROPN
fsr-4057	398	3	&	&	CCONJ
fsr-4057	398	4	theses	theses	PROPN
fsr-4057	398	5	global	global	PROPN
fsr-4057	398	6	.	.	PUNCT
fsr-4057	399	1	o'connor	o'connor	PROPN
fsr-4057	399	2	,	,	PUNCT
fsr-4057	399	3	g.	g.	PROPN
fsr-4057	399	4	e.	e.	PROPN
fsr-4057	399	5	,	,	PUNCT
fsr-4057	399	6	newmeyer	newmeyer	PROPN
fsr-4057	399	7	,	,	PUNCT
fsr-4057	399	8	c.	c.	PROPN
fsr-4057	399	9	e.	e.	PROPN
fsr-4057	399	10	,	,	PUNCT
fsr-4057	399	11	wong	wong	PROPN
fsr-4057	399	12	,	,	PUNCT
fsr-4057	399	13	n.	n.	PROPN
fsr-4057	399	14	y.	y.	PROPN
fsr-4057	399	15	c.	c.	PROPN
fsr-4057	399	16	,	,	PUNCT
fsr-4057	399	17	bayuk	bayuk	NOUN
fsr-4057	399	18	,	,	PUNCT
fsr-4057	399	19	j.	j.	PROPN
fsr-4057	399	20	b.	b.	PROPN
fsr-4057	399	21	,	,	PUNCT
fsr-4057	399	22	cook	cook	VERB
fsr-4057	399	23	,	,	PUNCT
fsr-4057	399	24	l.	l.	PROPN
fsr-4057	399	25	a.	a.	PROPN
fsr-4057	399	26	,	,	PUNCT
fsr-4057	399	27	komarova	komarova	X
fsr-4057	399	28	,	,	PUNCT
fsr-4057	399	29	y.	y.	PROPN
fsr-4057	399	30	,	,	PUNCT
fsr-4057	399	31	loibl	loibl	PROPN
fsr-4057	399	32	,	,	PUNCT
fsr-4057	399	33	c.	c.	PROPN
fsr-4057	399	34	,	,	PUNCT
fsr-4057	399	35	ong	ong	PROPN
fsr-4057	399	36	,	,	PUNCT
fsr-4057	399	37	l.	l.	PROPN
fsr-4057	399	38	l.	l.	PROPN
fsr-4057	399	39	,	,	PUNCT
fsr-4057	399	40	&	&	CCONJ
fsr-4057	399	41	warmath	warmath	PROPN
fsr-4057	399	42	,	,	PUNCT
fsr-4057	399	43	d.	d.	PROPN
fsr-4057	399	44	(	(	PUNCT
fsr-4057	399	45	2019	2019	NUM
fsr-4057	399	46	)	)	PUNCT
fsr-4057	399	47	.	.	PUNCT
fsr-4057	400	1	conceptualizing	conceptualize	VERB
fsr-4057	400	2	the	the	DET
fsr-4057	400	3	multiple	multiple	ADJ
fsr-4057	400	4	https://www.occ.gov/news-issuances/speeches/2024/pub-speech-2024-75.pdf	https://www.occ.gov/news-issuances/speeches/2024/pub-speech-2024-75.pdf	PROPN
fsr-4057	400	5	https://www.occ.gov/news-issuances/speeches/2024/pub-speech-2024-75.pdf	https://www.occ.gov/news-issuances/speeches/2024/pub-speech-2024-75.pdf	PROPN
fsr-4057	400	6	https://www.occ.gov/news-issuances/speeches/2024/pub-speech-2024-75.pdf	https://www.occ.gov/news-issuances/speeches/2024/pub-speech-2024-75.pdf	PROPN
fsr-4057	400	7	https://doi.org/10.30958/ajl.7-4-11	https://doi.org/10.30958/ajl.7-4-11	PROPN
fsr-4057	400	8	https://doi.org/10.1057/s41264-016-0005-2	https://doi.org/10.1057/s41264-016-0005-2	PROPN
fsr-4057	400	9	https://doi.org/10.1057/s41264-016-0005-2	https://doi.org/10.1057/s41264-016-0005-2	NUM
fsr-4057	400	10	https://doi.org/10.1080/02642069.2018.1436704	https://doi.org/10.1080/02642069.2018.1436704	PUNCT
fsr-4057	400	11	https://doi.org/10.1080/02642069.2018.1436704	https://doi.org/10.1080/02642069.2018.1436704	PUNCT
fsr-4057	401	1	https://doi.org/10.1016/j.jbusres.2012.12.010	https://doi.org/10.1016/j.jbusres.2012.12.010	NOUN
fsr-4057	401	2	https://doi.org/10.1016/j.jbusres.2012.12.010	https://doi.org/10.1016/j.jbusres.2012.12.010	PROPN
fsr-4057	401	3	https://doi.org/10.1111/fima.12283	https://doi.org/10.1111/fima.12283	NOUN
fsr-4057	401	4	https://www.brookings.edu/articles/why-the-federal-government-needs-to-step-up-their-efforts-to-close-the-rural-broadband-divide/	https://www.brookings.edu/articles/why-the-federal-government-needs-to-step-up-their-efforts-to-close-the-rural-broadband-divide/	PROPN
fsr-4057	401	5	https://www.brookings.edu/articles/why-the-federal-government-needs-to-step-up-their-efforts-to-close-the-rural-broadband-divide/	https://www.brookings.edu/articles/why-the-federal-government-needs-to-step-up-their-efforts-to-close-the-rural-broadband-divide/	PROPN
fsr-4057	401	6	https://www.brookings.edu/articles/why-the-federal-government-needs-to-step-up-their-efforts-to-close-the-rural-broadband-divide/	https://www.brookings.edu/articles/why-the-federal-government-needs-to-step-up-their-efforts-to-close-the-rural-broadband-divide/	PROPN
fsr-4057	401	7	https://www.brookings.edu/articles/why-the-federal-government-needs-to-step-up-their-efforts-to-close-the-rural-broadband-divide/	https://www.brookings.edu/articles/why-the-federal-government-needs-to-step-up-their-efforts-to-close-the-rural-broadband-divide/	PROPN
fsr-4057	401	8	https://doi.org/10.1016/j.jretconser.2020.102216	https://doi.org/10.1016/j.jretconser.2020.102216	VERB
fsr-4057	401	9	https://doi.org/10.1016/j.jretconser.2020.102216	https://doi.org/10.1016/j.jretconser.2020.102216	VERB
fsr-4057	401	10	https://ssrn.com/abstract=3562889	https://ssrn.com/abstract=3562889	PROPN
fsr-4057	401	11	https://bjs.ojp.gov/content/pub/pdf/ffus17.pdf	https://bjs.ojp.gov/content/pub/pdf/ffus17.pdf	PROPN
fsr-4057	401	12	https://bjs.ojp.gov/content/pub/pdf/ffus17.pdf	https://bjs.ojp.gov/content/pub/pdf/ffus17.pdf	PROPN
fsr-4057	401	13	https://www.nber.org/digest/202310/banks-relied-branches-not-remote-depositors-fared-better-recent-turmoil	https://www.nber.org/digest/202310/banks-relied-branches-not-remote-depositors-fared-better-recent-turmoil	PROPN
fsr-4057	401	14	https://www.nber.org/digest/202310/banks-relied-branches-not-remote-depositors-fared-better-recent-turmoil	https://www.nber.org/digest/202310/banks-relied-branches-not-remote-depositors-fared-better-recent-turmoil	PROPN
fsr-4057	401	15	https://www.nber.org/digest/202310/banks-relied-branches-not-remote-depositors-fared-better-recent-turmoil	https://www.nber.org/digest/202310/banks-relied-branches-not-remote-depositors-fared-better-recent-turmoil	PROPN
fsr-4057	401	16	birkenmaier	birkenmaier	PROPN
fsr-4057	401	17	&	&	CCONJ
fsr-4057	401	18	stratman	stratman	PROPN
fsr-4057	401	19	35	35	NUM
fsr-4057	401	20	dimensions	dimension	NOUN
fsr-4057	401	21	of	of	ADP
fsr-4057	401	22	consumer	consumer	NOUN
fsr-4057	401	23	financial	financial	ADJ
fsr-4057	401	24	vulnerability	vulnerability	NOUN
fsr-4057	401	25	.	.	PUNCT
fsr-4057	402	1	journal	journal	NOUN
fsr-4057	402	2	of	of	ADP
fsr-4057	402	3	business	business	NOUN
fsr-4057	402	4	research	research	NOUN
fsr-4057	402	5	,	,	PUNCT
fsr-4057	402	6	100	100	NUM
fsr-4057	402	7	,	,	PUNCT
fsr-4057	402	8	421	421	NUM
fsr-4057	402	9	-	-	SYM
fsr-4057	402	10	430	430	NUM
fsr-4057	402	11	.	.	PUNCT
fsr-4057	403	1	https://doi.org/10.1016/j.jbusres.2018.12	https://doi.org/10.1016/j.jbusres.2018.12	NOUN
fsr-4057	403	2	.033	.033	NUM
fsr-4057	403	3	pan	pan	PROPN
fsr-4057	403	4	,	,	PUNCT
fsr-4057	403	5	y.	y.	PROPN
fsr-4057	403	6	,	,	PUNCT
fsr-4057	403	7	&	&	CCONJ
fsr-4057	403	8	zhang	zhang	PROPN
fsr-4057	403	9	,	,	PUNCT
fsr-4057	403	10	j.	j.	PROPN
fsr-4057	403	11	q.	q.	PROPN
fsr-4057	403	12	(	(	PUNCT
fsr-4057	403	13	2011	2011	NUM
fsr-4057	403	14	)	)	PUNCT
fsr-4057	403	15	.	.	PUNCT
fsr-4057	404	1	born	bear	VERB
fsr-4057	404	2	unequal	unequal	ADJ
fsr-4057	404	3	:	:	PUNCT
fsr-4057	404	4	a	a	DET
fsr-4057	404	5	study	study	NOUN
fsr-4057	404	6	of	of	ADP
fsr-4057	404	7	the	the	DET
fsr-4057	404	8	helpfulness	helpfulness	NOUN
fsr-4057	404	9	of	of	ADP
fsr-4057	404	10	usergenerated	usergenerated	ADJ
fsr-4057	404	11	product	product	NOUN
fsr-4057	404	12	reviews	review	NOUN
fsr-4057	404	13	.	.	PUNCT
fsr-4057	405	1	journal	journal	NOUN
fsr-4057	405	2	of	of	ADP
fsr-4057	405	3	retailing	retailing	NOUN
fsr-4057	405	4	,	,	PUNCT
fsr-4057	405	5	87(4	87(4	NUM
fsr-4057	405	6	)	)	PUNCT
fsr-4057	405	7	,	,	PUNCT
fsr-4057	405	8	598	598	NUM
fsr-4057	405	9	-	-	SYM
fsr-4057	405	10	612	612	NUM
fsr-4057	405	11	.	.	PUNCT
fsr-4057	406	1	https://doi.org/10.1016/j.jretai.2011.05.0	https://doi.org/10.1016/j.jretai.2011.05.0	PROPN
fsr-4057	406	2	02	02	NUM
fsr-4057	406	3	park	park	NOUN
fsr-4057	406	4	,	,	PUNCT
fsr-4057	406	5	c.	c.	PROPN
fsr-4057	406	6	(	(	PUNCT
fsr-4057	406	7	2016	2016	NUM
fsr-4057	406	8	)	)	PUNCT
fsr-4057	406	9	.	.	PUNCT
fsr-4057	407	1	consumers	consumer	NOUN
fsr-4057	407	2	and	and	CCONJ
fsr-4057	407	3	mobile	mobile	ADJ
fsr-4057	407	4	financial	financial	ADJ
fsr-4057	407	5	services	service	NOUN
fsr-4057	407	6	.	.	PUNCT
fsr-4057	408	1	board	board	NOUN
fsr-4057	408	2	of	of	ADP
fsr-4057	408	3	the	the	DET
fsr-4057	408	4	federal	federal	PROPN
fsr-4057	408	5	reserve	reserve	PROPN
fsr-4057	408	6	,	,	PUNCT
fsr-4057	408	7	division	division	NOUN
fsr-4057	408	8	of	of	ADP
fsr-4057	408	9	consumer	consumer	NOUN
fsr-4057	408	10	and	and	CCONJ
fsr-4057	408	11	community	community	NOUN
fsr-4057	408	12	affairs	affair	NOUN
fsr-4057	408	13	.	.	PUNCT
fsr-4057	409	1	https://www.federalreserve.gov/econres	https://www.federalreserve.gov/econres	PROPN
fsr-4057	409	2	data	data	PROPN
fsr-4057	409	3	/	/	SYM
fsr-4057	409	4	mobile	mobile	ADJ
fsr-4057	409	5	-	-	PUNCT
fsr-4057	409	6	device	device	NOUN
fsr-4057	409	7	-	-	PUNCT
fsr-4057	409	8	report-201203.pdf	report-201203.pdf	NOUN
fsr-4057	409	9	polat	polat	NOUN
fsr-4057	409	10	,	,	PUNCT
fsr-4057	409	11	a.	a.	NOUN
fsr-4057	409	12	,	,	PUNCT
fsr-4057	409	13	ajmal	ajmal	ADJ
fsr-4057	409	14	,	,	PUNCT
fsr-4057	409	15	m.	m.	NOUN
fsr-4057	409	16	m.	m.	NOUN
fsr-4057	409	17	,	,	PUNCT
fsr-4057	409	18	&	&	CCONJ
fsr-4057	409	19	rafay	rafay	PROPN
fsr-4057	409	20	,	,	PUNCT
fsr-4057	409	21	a.	a.	NOUN
fsr-4057	409	22	(	(	PUNCT
fsr-4057	409	23	2023	2023	NUM
fsr-4057	409	24	)	)	PUNCT
fsr-4057	409	25	.	.	PUNCT
fsr-4057	410	1	mortgage	mortgage	NOUN
fsr-4057	410	2	financing	financing	NOUN
fsr-4057	410	3	frauds	fraud	NOUN
fsr-4057	410	4	in	in	ADP
fsr-4057	410	5	the	the	DET
fsr-4057	410	6	us	us	PROPN
fsr-4057	410	7	:	:	PUNCT
fsr-4057	410	8	an	an	DET
fsr-4057	410	9	analysis	analysis	NOUN
fsr-4057	410	10	of	of	ADP
fsr-4057	410	11	cfpb	cfpb	ADJ
fsr-4057	410	12	complaint	complaint	NOUN
fsr-4057	410	13	database	database	NOUN
fsr-4057	410	14	.	.	PUNCT
fsr-4057	411	1	in	in	ADP
fsr-4057	411	2	a.	a.	NOUN
fsr-4057	411	3	rafay	rafay	PROPN
fsr-4057	411	4	(	(	PUNCT
fsr-4057	411	5	ed	ed	NOUN
fsr-4057	411	6	.	.	PUNCT
fsr-4057	411	7	)	)	PUNCT
fsr-4057	411	8	,	,	PUNCT
fsr-4057	411	9	concepts	concept	NOUN
fsr-4057	411	10	,	,	PUNCT
fsr-4057	411	11	cases	case	NOUN
fsr-4057	411	12	,	,	PUNCT
fsr-4057	411	13	and	and	CCONJ
fsr-4057	411	14	regulations	regulation	NOUN
fsr-4057	411	15	in	in	ADP
fsr-4057	411	16	financial	financial	ADJ
fsr-4057	411	17	fraud	fraud	NOUN
fsr-4057	411	18	and	and	CCONJ
fsr-4057	411	19	corruption	corruption	NOUN
fsr-4057	411	20	(	(	PUNCT
fsr-4057	411	21	pp	pp	ADJ
fsr-4057	411	22	.	.	PUNCT
fsr-4057	411	23	1	1	NUM
fsr-4057	411	24	-	-	SYM
fsr-4057	411	25	27	27	NUM
fsr-4057	411	26	)	)	PUNCT
fsr-4057	411	27	.	.	PUNCT
fsr-4057	412	1	igi	igi	PROPN
fsr-4057	412	2	global	global	PROPN
fsr-4057	412	3	.	.	PUNCT
fsr-4057	413	1	salisbury	salisbury	PROPN
fsr-4057	413	2	,	,	PUNCT
fsr-4057	413	3	l.	l.	PROPN
fsr-4057	413	4	c.	c.	PROPN
fsr-4057	413	5	,	,	PUNCT
fsr-4057	413	6	nenkov	nenkov	PROPN
fsr-4057	413	7	,	,	PUNCT
fsr-4057	413	8	g.	g.	PROPN
fsr-4057	413	9	y.	y.	PROPN
fsr-4057	413	10	,	,	PUNCT
fsr-4057	413	11	blanchard	blanchard	PROPN
fsr-4057	413	12	,	,	PUNCT
fsr-4057	413	13	s.	s.	PROPN
fsr-4057	413	14	j.	j.	PROPN
fsr-4057	413	15	,	,	PUNCT
fsr-4057	413	16	hill	hill	PROPN
fsr-4057	413	17	,	,	PUNCT
fsr-4057	413	18	r.	r.	PROPN
fsr-4057	413	19	p.	p.	PROPN
fsr-4057	413	20	,	,	PUNCT
fsr-4057	413	21	brown	brown	PROPN
fsr-4057	413	22	,	,	PUNCT
fsr-4057	413	23	a.	a.	PROPN
fsr-4057	413	24	l.	l.	PROPN
fsr-4057	413	25	,	,	PUNCT
fsr-4057	413	26	&	&	CCONJ
fsr-4057	413	27	martin	martin	PROPN
fsr-4057	413	28	,	,	PUNCT
fsr-4057	413	29	k.	k.	PROPN
fsr-4057	413	30	d.	d.	PROPN
fsr-4057	413	31	(	(	PUNCT
fsr-4057	413	32	2023	2023	NUM
fsr-4057	413	33	)	)	PUNCT
fsr-4057	413	34	.	.	PUNCT
fsr-4057	414	1	beyond	beyond	ADP
fsr-4057	414	2	income	income	NOUN
fsr-4057	414	3	:	:	PUNCT
fsr-4057	414	4	dynamic	dynamic	ADJ
fsr-4057	414	5	consumer	consumer	NOUN
fsr-4057	414	6	financial	financial	ADJ
fsr-4057	414	7	vulnerability	vulnerability	NOUN
fsr-4057	414	8	.	.	PUNCT
fsr-4057	415	1	journal	journal	NOUN
fsr-4057	415	2	of	of	ADP
fsr-4057	415	3	marketing	marketing	NOUN
fsr-4057	415	4	,	,	PUNCT
fsr-4057	415	5	87(5	87(5	NUM
fsr-4057	415	6	)	)	PUNCT
fsr-4057	415	7	,	,	PUNCT
fsr-4057	415	8	657	657	NUM
fsr-4057	415	9	-	-	SYM
fsr-4057	415	10	678	678	NUM
fsr-4057	415	11	.	.	PUNCT
fsr-4057	416	1	https://doi.org/10.1177/0022242922115	https://doi.org/10.1177/0022242922115	PROPN
fsr-4057	416	2	0	0	NUM
fsr-4057	416	3	scott	scott	PROPN
fsr-4057	416	4	,	,	PUNCT
fsr-4057	416	5	a.	a.	NOUN
fsr-4057	416	6	(	(	PUNCT
fsr-4057	416	7	2023	2023	NUM
fsr-4057	416	8	)	)	PUNCT
fsr-4057	416	9	.	.	PUNCT
fsr-4057	417	1	financial	financial	ADJ
fsr-4057	417	2	abuse	abuse	NOUN
fsr-4057	417	3	in	in	ADP
fsr-4057	417	4	a	a	DET
fsr-4057	417	5	banking	banking	NOUN
fsr-4057	417	6	context	context	NOUN
fsr-4057	417	7	:	:	PUNCT
fsr-4057	417	8	why	why	SCONJ
fsr-4057	417	9	and	and	CCONJ
fsr-4057	417	10	how	how	SCONJ
fsr-4057	417	11	financial	financial	ADJ
fsr-4057	417	12	institutions	institution	NOUN
fsr-4057	417	13	can	can	AUX
fsr-4057	417	14	respond	respond	VERB
fsr-4057	417	15	.	.	PUNCT
fsr-4057	418	1	journal	journal	PROPN
fsr-4057	418	2	of	of	ADP
fsr-4057	418	3	business	business	NOUN
fsr-4057	418	4	ethics	ethic	NOUN
fsr-4057	418	5	,	,	PUNCT
fsr-4057	418	6	1	1	NUM
fsr-4057	418	7	-	-	SYM
fsr-4057	418	8	16	16	NUM
fsr-4057	418	9	.	.	PUNCT
fsr-4057	419	1	https://doi.org/10.1007/s10551-02305460-7	https://doi.org/10.1007/s10551-02305460-7	VERB
fsr-4057	419	2	warmath	warmath	NOUN
fsr-4057	419	3	,	,	PUNCT
fsr-4057	419	4	d.	d.	PROPN
fsr-4057	419	5	,	,	PUNCT
fsr-4057	419	6	elizabeth	elizabeth	PROPN
fsr-4057	419	7	o'connor	o'connor	PROPN
fsr-4057	419	8	,	,	PUNCT
fsr-4057	419	9	g.	g.	PROPN
fsr-4057	419	10	,	,	PUNCT
fsr-4057	419	11	wong	wong	PROPN
fsr-4057	419	12	,	,	PUNCT
fsr-4057	419	13	n.	n.	PROPN
fsr-4057	419	14	,	,	PUNCT
fsr-4057	419	15	&	&	CCONJ
fsr-4057	419	16	newmeyer	newmeyer	PROPN
fsr-4057	419	17	,	,	PUNCT
fsr-4057	419	18	c.	c.	PROPN
fsr-4057	419	19	(	(	PUNCT
fsr-4057	419	20	2022	2022	NUM
fsr-4057	419	21	)	)	PUNCT
fsr-4057	419	22	.	.	PUNCT
fsr-4057	420	1	the	the	DET
fsr-4057	420	2	role	role	NOUN
fsr-4057	420	3	of	of	ADP
fsr-4057	420	4	social	social	ADJ
fsr-4057	420	5	psychological	psychological	ADJ
fsr-4057	420	6	factors	factor	NOUN
fsr-4057	420	7	in	in	ADP
fsr-4057	420	8	vulnerability	vulnerability	NOUN
fsr-4057	420	9	to	to	ADP
fsr-4057	420	10	financial	financial	ADJ
fsr-4057	420	11	hardship	hardship	NOUN
fsr-4057	420	12	.	.	PUNCT
fsr-4057	421	1	journal	journal	NOUN
fsr-4057	421	2	of	of	ADP
fsr-4057	421	3	consumer	consumer	NOUN
fsr-4057	421	4	affairs	affair	NOUN
fsr-4057	421	5	,	,	PUNCT
fsr-4057	421	6	56(3	56(3	NOUN
fsr-4057	421	7	)	)	PUNCT
fsr-4057	421	8	,	,	PUNCT
fsr-4057	421	9	1148	1148	NUM
fsr-4057	421	10	-	-	SYM
fsr-4057	421	11	1177	1177	NUM
fsr-4057	421	12	.	.	PUNCT
fsr-4057	422	1	https://doi.org/10.1111/joca.12468	https://doi.org/10.1111/joca.12468	PROPN
fsr-4057	422	2	https://doi.org/10.1016/j.jbusres.2018.12.033	https://doi.org/10.1016/j.jbusres.2018.12.033	PROPN
fsr-4057	422	3	https://doi.org/10.1016/j.jbusres.2018.12.033	https://doi.org/10.1016/j.jbusres.2018.12.033	PROPN
fsr-4057	422	4	https://doi.org/10.1016/j.jbusres.2018.12.033	https://doi.org/10.1016/j.jbusres.2018.12.033	PROPN
fsr-4057	422	5	https://doi.org/10.1016/j.jretai.2011.05.002	https://doi.org/10.1016/j.jretai.2011.05.002	NOUN
fsr-4057	422	6	https://doi.org/10.1016/j.jretai.2011.05.002	https://doi.org/10.1016/j.jretai.2011.05.002	NOUN
fsr-4057	422	7	https://www.federalreserve.gov/econresdata/mobile-device-report-201203.pdf	https://www.federalreserve.gov/econresdata/mobile-device-report-201203.pdf	PROPN
fsr-4057	422	8	https://www.federalreserve.gov/econresdata/mobile-device-report-201203.pdf	https://www.federalreserve.gov/econresdata/mobile-device-report-201203.pdf	PROPN
fsr-4057	422	9	https://doi.org/10.1177/00222429221150910	https://doi.org/10.1177/00222429221150910	X
fsr-4057	422	10	https://doi.org/10.1177/00222429221150910	https://doi.org/10.1177/00222429221150910	NOUN
fsr-4057	422	11	https://doi.org/10.1007/s10551-023-05460-7	https://doi.org/10.1007/s10551-023-05460-7	X
fsr-4057	422	12	https://doi.org/10.1007/s10551-023-05460-7	https://doi.org/10.1007/s10551-023-05460-7	NUM
fsr-4057	422	13	https://doi.org/10.1111/joca.12468	https://doi.org/10.1111/joca.12468	NOUN