AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I submitted a dispute with Experian, as my report contained multiple entries of erroneous information. Experian responded back refusing to investigate the errors stating that my dispute was somehow fraudulent and bewilderingly claimed that it was not me who was submitting the dispute ( see attached response from Experian ). This is a flagrant violation of the FCRAI have also included a copy of my original dispute letter to Experian that has my identification information and the list of disputed accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is processing a short sale. They are requiring the mortgagor to sign an authorization to release personal nonpublic information such as social security numbers, account balances, payment information to the real estate broker in the transaction. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I had a Seller account with EBAY, in good standing. Due to health problems, I could not continue selling my products on EBAY, with the inability to pay a balance of {$140.00}. 

On XXXX XXXX, XXXX, all my debts, including the {$140.00}, were discharged on Chapter XXXX Bankruptcy Court. 

On XXXX XXXX, XXXX, ( XXXX years later ), after having resolved health and financial issues, I decided to sell small items on EBAY again, but found the account was suspended because of an unpaid account balance of around {$140.00}. 
I proceeded to call EBAY by phone Customer Service to solve the suspension issue. According to the Accounts supervisor, XXXX XXXX, I was not authorized to be an EBAY seller any more because my account was suspended due to unpaid fees. 
I explained XXXX XXXX about the Chapter XXXX discharge, but he insisted that " The bankruptcy filed is not the cause of the suspension it is from the fees ''. 
XXXX XXXX said I could open a new account, however, he contradicted that it would be problematic, because it will be link to my suspended account. 
In other words, EBAY has no problem at all with the Bankruptcy discharge. They are for ever penalizing me for suspension of fees on my records. 
Bottom line, there is no way I will ever be able to open a seller 's account with EBAY no matter what. 
XXXX XXXX was not able to provide me with copy of EBAY Sellers policies regarding the matter in question. 
I would like the CFPB to investigate if EBAY is complying with the Consumer 's Federal Laws. 
My opinion is that there should be no problem in opening a new fresh Sellers Account, without having the burden of an eternal negative suspended record. 
The Chapter XXXX gave me the opportunity to put in order all of my finances. Now, I have an excellent record in the Credit Bureau, including a good standing with several Creditors and want to start new with EBAY. 
Following is copy of XXXX XXXX 's letter. 
Thank YouFrom XXXX XXXX, today, XXXX XXXX, XXXX. 

About our phone conversation SR # XXXX ( XXXX ), This is XXXX XXXX, eBay Customer Service Supervisor. As what we have discussed about your question in creating a new eBay account. 
You can freely create a new eBay account at the same time our system is designed that if XXXX or more accounts are related to each other then those account will be linked. Since this account ( XXXX ) is currently suspended then this account may be linked to the new account. The bankruptcy filed is not the cause of the suspension it is from the fees. The purpose of the bankruptcy filed was to offset the charge meaning we are prohibited from collecting the money from the account. And because your eBay account was suspended prior to the date you filed for bankruptcy eBay is n't required to reinstate the account. 





Hope this information clarifies everything. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX XXXX XXXX, PLAINTIFF GREENTREE LLC, their attorneys XXXX XXXX AND XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX XXXX COURT REPEATEDLY REFUSED TO PROVIDE ME my Qualified Written Request under the Real Estate Settlement Procedures Act ( QWR RESPA ). I sent several QWR RESPA To PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX when I learned that a Foreclosure COMPLAINT was filed on my property. PLAINTIFF GREENTREE and their attorneys XXXX XXXX AND XXXX received my RESPA QWR certified priority overnight on XX/XX/XXXX. The letter was not acknowledged. The second request was certified in my Contesting Answer, and Counter Claim for Wrongful Foreclosure on XX/XX/XXXX. In my certification to the Court, I asked the Presiding Judge to Compel RESPA and Award statutory fines. On XX/XX/XXXX, at a Case Management Hearing XXXX XXXX XXXX XXXX, in XXXX, XXXX I asked the presiding Judge XXXX to compel RESPA, and for statutory fines, and she stated that my request would have to wait for trial. On XX/XX/XXXX, I filed another motion to Compel, and explained in great detail why I was requesting RESPA, and other Discovery so that I can properly defend my position before for trial. I was later DENIED by the COURT on XX/XX/XXXX. On XX/XX/XXXX I sent another certified letter to PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX, and received a response in a letter dated XX/XX/XXXX from XXXX XXXX AND XXXX XXXX XXXX. The letter states, " Please be advised that this office is in receipt of your correspondence to us dated XX/XX/XXXX and received in this office on XXXX XXXX, which purports to be a Qualified Written Request under the Real Estate Settlement Procedures Act ( RESPA ), with respect to the above referenced loan. Pursuant to RESPA, please be advised that XXXX, XXXX will provide a response ( to the extent appropriate ) by XX/XX/XXXX. To date I have not recieved my RESPA, and these dilatory actions have adversely affected me since I have not been able to complete Discovery, and a pending motion for summary judgement will be heard today. In addition to the lack of compliance by GREENTREE LLC and Attorneys XXXX XXXX and XXXX, XXXX XXXX is lending institution that is not affiliated or assigned to my Mortgage, and do how is XXXX managing my loan? Previously, I did send RESPA QWR to the XXXX XXXX XXXX, but XXXX refused to provide to me a physical address, and my letters to a XXXX XXXX XXXX unanswered. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am complaining of harassing calls which I am sending to XXXX and department of Civil rights that BOA are calling my house even I had told them to stop calling. In addition, in the process of changing my number from BOA who proceeds to execute deceptive practices especially against XXXX and XXXX with abusive practices with credit services. BOA is not respecting my request to stop calling my house acting a nuisance.
Company response: Company chooses not to provide a public response
Consumer complaint: Due to a business failure, I had to file bankruptcy recently. I have an auto loan with USAA Bank that I am trying to do the right thing with and pay the loan as agreed upon and also so that I can keep the car. Being able to check my balance and pay the payments due online is something that I feel that I should be able to do but USAA has informed me that, because I filed bankruptcy, I am no longer entitled to have accounts with USAA or to have online access to my accounts and that any time I want to check my balance and/or make a payment I have to call them for that information which, depending on call volume can be a huge inconvenience. I feel as though USAA is punishing me for filing bankruptcy even though I am attempting to make good on the loan that I have with them. I complained about this to them to no avail and the treatment I received during that process seems to indicate a culture issue at USAA regarding people that have filed bankruptcy. I also know of someone who had car insurance with them and they XXXX his premiums for the sole reason that he filed bankruptcy. 

I understand that banks are prohibited from attempting to collect on debts that are involved in a bankruptcy but, once the bankruptcy has been discharged and the customer is making payments as he/she should be, I do n't think that it 's right that they should make life difficult for that person by denying them online access as well as the opening of future accounts. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have tried to offer a fair settlement to this account based on what I could afford. They are really mean. They refuse to even discuss it. They yell at you on the phone and the last girl said she was going to tell them to take legal action even though the debt is old and out of statute. Bottom line, they refuse to work with consumers. They would rather get nothing and continue to hurt consumer credit if you can not afford to pay them the full amounnt. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Reviewing my husband 's credit report and mine, we found heinous amounts of misinformation. Downright lies from banks, mortgage companies and mortgage service providers ... .all reported to XXXX XXXX The lead offender is Bank of America. Due to all these errors we have not been able to refinance XXXX of our homes and have been paying higher mortgage interest and the misinformation has spread to XXXX XXXX and XXXX, not to mention everyone who looks at any of our reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried to offer a fair settlement to this account based on what I could afford. They are really mean. They refuse to even discuss it. They yell at you on the phone and the last girl said she was going to tell them to take legal action even though the debt is old and out of statute. Bottom line, they refuse to work with consumers. They would rather get nothing and continue to hurt consumer credit if you can not afford to pay them the full amounnt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i have XXXX accounts in dispute for over 14 months 

Company response: Company chooses not to provide a public response
Consumer complaint: Express Recovery Services called asking for my wife. When I said she was unavailable they asked me if I were her husband, I told them I was, then told me who they were and never read the disclosure. When I said do n't associate me with this debt they said they could n't since she knew I was. That is when I stated I had been entrapped and disclosures regarding debt collection were never made and refused to produce evidence to the contrary. FAILURE : to follow proper disclosure requirements. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX my mother was clinically diagnosed with XXXX XXXX, her drivers license was taken away and she became unable to care for herself. Immediately following this diagnosis, my mother became a victim of XXXX, fraud and identity theft. In XXXX XXXX XXXX of my sisters took advantage of my mothers illness and applied for a reverse mortgage through Wells Fargo Bank. 

In XXXX I filed an official police report on my mothers behalf. A warrant was issued for my sister, but she fled the State. My sister fled to another State, where she was eventually arrested, convicted and sentenced to federal prison for several financial related crimes that she committed in several other States. 
In XXXX I became my mothers court appointed conservator and guardian. For the past 3-years I have been cleaning up the mess that my sister and other siblings have caused. 

I have written Wells Fargo numerous letters regarding this case. They have not even considered my mothers illnesses, nor have they even bothered to investigate this matter on their end. I was able to receive a full copy of the original reverse mortgage application. The loan documents are a clear indication that my mother was confused and did not know what she was signing. This is evident by the fact that several times she signed her name wrong, signed her name in the wrong place, and or did not sign all of the required documents. 
In my opinion the notary and or loan officer should never have proceeded with the process. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with Bank of America due to negligence from XXXX XXXX, title company and Bank of America. 

" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXX : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the titlle to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Page XXXX.The mortgage to XXXX was eventually assigned to XXXX XXXX Bank XXXX Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said Registry in Book XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XXXX XXXX and XXXX, XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX XXXX not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts XXXX XXXX Court in the case of XXXX XXXX XXXX XXXX, Trustee vs. XXXX XXXX XXXX and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale XXXX and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in XXXX XXXX. XXXX XXXX who bought the property from XXXX XXXX XXXX of XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchaed a sofa from a local establishment {$580.00}. Total cost XXXX. I requested to finance part of it. They use Duvera Financial but the minimum they would finance was {$370.00} which I did. If I paid it off in 3 mon. it was interest free. I could not afford to do that. I received the contract from them in the mail 2 weeks later and charged me 189 % interest. Is this legal? I ca n't afford this. Do I have any recourse? They will do nothing about it over the phone. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with Bank of America due to negligence from XXXX XXXX, title company and Bank of America. 
" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXXFrom : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the titlle to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX District Registry of Deeds, Book XXXX, Page XXXX.The mortgage to XXXX was eventually assigned to XXXX XXXX Bank , Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said XXXX in XXXX XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX XXXX not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts Supreme Judicial Court in the case of XXXX XXXX XXXX XXXX, Trustee vs. XXXX XXXX ( and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale ( and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in Book XXXX. XXXX XXXX who bought the property from XXXX XXXX XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Unable to reach this company. Reporting a debt on my Credit Report. Had Bankruptcy in 2010. Would like them to validate the debt or remove the negative item from my CR report. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Our Macy 's American Express Account Statement for the period ending XXXX XXXX, 2015 included a charge ( Transaction Date - XXXX XXXX, 2015 ; Posting Date XXXX XXXX, 2015 ) for the XXXX XXXX XXXX, XXXX ( XXXX? ) for {$24.00}. I have never been to XXXX, AL ; Ihave never dealt with the XXXX XXXX XXXX ; this is NOT my charge. I reported it to Macy 's American Express, to the XXXX ( XXXX ) Police Dept. [ CR : Det. XXXX XXXX XXXX ] and to the Macy 's Amer. Exp. Fraud Dept. ; all were notified on XXXX XXXX, 2015. I paid the {$310.00} bill minus the {$24.00} fraudulent amount. Our Macy 's XXXX XXXX XXXX ending XXXX XXXX, 2015 still lists the {$24.00} charge plus {$2.00} interest [ Total : {$26.00} ]. Ihave notified all XXXX major credit bureaus and established Fraud Alerts with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit score decreased from XXXX to XXXX and I was not able to gain support from the agencies regarding why the sudden drop took place nor how I can rectify my score. I am attaching the report from credit karma. Thank you for your assistance in advance. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2013 XXXX try to over charge me for XXXX tickets. I sign up for a 7 month membership program for {$350.00}. But after the 7 month XXXX was still trying to take money out of my XXXX account. I had to get XXXX to block them. And I had to get a reversal on XXXX payments because they tried to over charge me. In 2013 they had Arrgon XXXX Collection contact me about this matter by phone and I explian to them that I paid for the tickets in full already and XXXX try to take extra money. And I also told them I could not get in touch with anyone from the XXXX membership department to resolve this issue they kept giving me the run around. Arrgon said that I have to contact XXXX to resolved this issue and that we are only a collection agency. When I told Arrgon the credit collection agency that I can not get in touch with anyone from XXXX membership department they told me that is the only way it can be resolved. I had not hear back from Arrgon from over a year all of the sudden out of the blue no phone called to me warning me they are going to put this debt on my credit report in the next 30 days if this is not resolved they just put it on my credit report. Now I have to do a dispute with experian a credit reporting agency for a debt I already paid. I sent proof over to XXXX and Arrgon. And I also complain to Arrgon that no one called my on my phone to warn me about this debt. I find this to be illegal. I email proof to Arrgon and they never email me back proof of how did they get this debt from XXXX on my credit report. A payment history or reciept. This is very offense to me and my business when I am in the middle of getting funding for my business now I have to wait, this could be damaging to my business not getting funding on time. No one will give you funding if you ca n't pay {$230.00} back. That is the amount Arrgon reported on my credit report. Arrgon should make sure when they collecting debt it is a official debt and also call they person on the phone and warn them they are going to put it on their credit report in the next 30 days if we can not resolve it. I attached proof. XXXX receipt and XXXX payment history. I can not believe Arrgon put a debt on my report I do not owe and gave me no warning by phone or email me proof of debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We began dealing with Regions mortgage lender, XXXX XXXX, on XXXX XXXX. We are first time home buyers and have had a terrible experience with our lender. She has told us on several different occasions in emails that she was going to overnight us sensitive material and eventually emailed the information for us to sign and scan back to her through email. She never explained any of the information we signed. We had to order our own home inspection because she kept telling us she would and never did. We signed documents that state our home was built XX/XX/XXXX, which it was built XX/XX/XXXX. We have been told it is our insurance company who she is waiting on to be able to order a closing date and when we contacted the insurance XXXX was told he too was waiting on a closing date. We confronted our lender and was told the closing date is taking so much time because we did not submit an employment letter until XXXX XXXX and again on XXXX XXXX. We have asked our lender to be honest with us and to communicate effectively with by keeping us informed about the loan process. We have contacted her supervisor, XXXX XXXX, who inquired about the loan process and was unsuccessful at getting a remedy for our problem. The home inspection was completed on XXXX XXXX and the lender did not have the appraisal ordered until XXXX XXXX. The appraisal was completed on XXXX XXXX and submitted his report on XXXX XXXX. We continue to wait on a closing date. We were never spoken to about the rate our loan would be nor the monthly payment. We have contacted the lending supervisor on XXXX occasions and the XXXX time she did not call us back after we explained to her about the lack of communication with our lender. We began this process on XXXX XXXX and it has been a nightmare. We have been told the lender was waiting on a FHA loan number and several other excuses for her lack of communication with us. We can not express to you how tired we are of dealing with Regions and feel our hands are tied because we want to close on our new home and it will take even longer to close if we use another lender. Our credit scores are XXXX and above. Please help us resolve our problem and prevent this problem from occurring in the future. We just want to close on our home. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America and XXXX XXXX XXXX for illegally broke into their homes, changed locks to bar residents from re-entry, and shut off utilities well before a foreclosure is finalized. 

Company response: Company chooses not to provide a public response