AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I HAVE BEEN APPLYING FOR MORTGAGE ASSISTANCE WITH MY SERVICER, BSI FINANCIAL. BSI HAS ASKED FOR THE SAME DOCUMENTS ON XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX, 2015. EACH TIME THE DOCUMENTS WERE SENT TO BSI. THE DOCUMENTS ARE : 2 MONTHS BANK STATEMENTS, XXXX MOST RECENT PAY STUBS, AND HOMEOWNER 'S DECLARATION PAGE. IN A LETTER DATE XXXX XXXX, 2015, BSI ASKS FOR THE SAME DOCUMENTS AGAIN THE LETTER IS ATTACHED. ON PAGE XXXX OF THE LETTER IS AN ADDRESS AND FAX NUMBER FOR XXXX, PA. ON PAGE XXXX IS THE ADDRESS AND FAX NUMBER FOR XXXX TEXAS . IN A PHONE CALL WITH BSI ON XXXX XXXX, 2015 AN ENTIRELY NEW FAX NUMBER WAS PROVIDED. BSI IS UNABLE TO PERFORM BASIC OFFICE FUNCTIONS AND ACCOUNT FOR DOCUMENTS THEY RECEIVE VIA FAX. WHAT THEY CAN DO, HOWEVER IS SCHEDULE FORECLOSURE SALES. BSI SENT A REPRESENTATIVE TO MY PROPERTY WHO POSTED A NOTICE OF TRUSTEE SALE WITH A FORECLOSURE SALE SCHEDULED FOR XXXX XXXX, 2015. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Credit Report issued by any and all credit agencies included a list of all businesses who have check my credit and ordered a copy of my Credit Report. There were a total of XXXX businesses in the list during the year 2014 alone. None of the businesses had my permission to obtain my Credit Report. They acted illegally in obtaining my Credit Report. 
During said time, I was shopping for better insurance on my home and car on the internet. 
I was also shopping for a refinancing of my home mortgage with a small amount of " cash out '' of my equity to pay enormous medical bills not covered by my health Insurance. 
Neither of these reasons should affect my Credit Rating, but they do, for reasons I am not aware of. 
All of the companies in the list should and must be eliminated from my Credit Report. Their need for information on my Credit Report is purely speculative in nature, and prejudicial as any negative statement on my Credit Report. They have usurped their need to my demand for privacy. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a dispute online, but received no confirmation number or email confirmation. I subsequently tried to check the status of the dispute, but I was unable due to my not having a report number or dispute number. I tried to call Experian to find out what to do, but there seems to be no way to speak to a person unless XXXX want purchase a product form them. It should not be so difficult to correct information on this report, which has critical impact on my personal credit status. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to complain about the Fidelity XXXX XXXX XXXX XXXX XXXX XXXX issued by FIA Card Services. 
Consistently, every month, my spouse or I are declined at the point of sale for small amounts, such as today for {$5.00} for an XXXX transaction and a {$64.00} meal transaction at a restaurant in the same city that I live in. And consistently, we have to be embarrassed at the point of sale followed by a call to Fidelity Card Services, where they trot out the same old excuse of fraud scanners and analyzing for suspicious activity. This happens at least once every month and they claim that they will rectify it. It is at the point where I plan on closing the account because of the level of interruption. 

Company response: Company chooses not to provide a public response
Consumer complaint: Property Address : XXXX XXXX XXXX XXXX XXXX CA XXXXWe made XXXX early payments:XX/XX/2014 $ XXXXXX/XX/2014 $ XXXXXX/XX/2014 $ XXXX, the money was not applied to the outstanding loan principle on the date we made the deposit. For example, the {$380000.00} on XXXX/XXXX/2014 was applied to the loan on XXXX/XXXX/2014. The XXXX and XXXX payments were applied to the loan on XXXX/XXXX/2014. 
Why the early payment could not applied to the loan on the deposit date? Does it cause us to pay extra interest due to the delay? The loan officer did not inform us of this when we applied the loan. Our previous home loan from XXXX bank applied early payment on the deposit date. 
After talking to a staff from Bank of American customer service department, I finally understood the reason why my early payment {$380000.00} on XXXX/XXXX/2014 had to wait for 4 days until XXXX/XXXX/2014 to apply to the outstanding principle balance. He told me that any early payment can not be applied to the principle until the regular payment date and it is XXXX/XXXX/2014. When we decided to choose Bank of America for our mortgage loan, the loan officer, XXXX XXXX XXXX just told us that no penalty for early payment but did not tell us about early payment has to wait the regular payment to be applied to principle. This caused us XXXX losses. 
The first XXXX is the interest that we could earn if we keep {$380000.00} in our bank account until XXXX/XXXX/2014 and that is about {$20.00}. 
The second XXXX is the extra loan interest that we paid for {$380000.00} during the 4 days from XXXX/XXXX/2014 to XXXX/XXXX/2014 and that is about {$200.00}. 
I would like Bank of America to give us XXXX credits of {$20.00} and {$200.00}. 
Bank of America reply did apologize for any inconvenience this may have caused, but refused any financial compensation that I requested. 

Company response: Company chooses not to provide a public response
Consumer complaint: FIRST NATIONAL COLLECTION BUREAU sent me a debt collection notice dated XXXX XXXX, 2005, stating that I have a delinquent account related to XXXX. I have not had a XXXX account, and asked them for debt verification, including, but not limited to : Services Contract, documentation of where, where, and how the account was established. They responded by sending me a XXXX statement that is not mine, stating that this is validation of this debt. This is not correct, and I want to know all details of this account from alleged start to alleged finish. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was recently in the market for apartments. i scheduled a showing with a local real estate agent for a local home that was for rent. the agent stated that i would need to fill out a form prior to the showing. i asked the agent if this information would be used to pull my credit report. the agent " XXXX XXXX '' assured me that the information would not be used to pull my credit or affect my credit in anyway and that the form was purely for internal agency metrics. under this guise i filled out the form. in the last week i have been trying to obtain a vehicle loan because my current car was totaled in a accident and i am currently without a car. various banks and loan companies are unable to offer me a reasonable interest rate for a vehicle loan due to the unauthorized " hard inquiry '' placed on my credit report by XXXX XXXX. the way the inquiry is coded on my report makes it appear as if i was seeking credit to any prospective lenders. this inquiry was unauthorized by me and XXXX XXXX had no " permissible purpose '' to place a hard inquiry on my report. I have attempted to dispute this inquiry with XXXX XXXX to no avail via e-mail social media and US Certified Mail. additionally i have opened a dispute with TransUnion and they replied that the real estate agency had " Permissible Purpose '' to pull my report despite me never consenting to any kind of credit pull let alone authorizing a " hard inquiry '' on my file. this fraudulent inquiry is affecting my ability to obtain reasonable financing. I have been harmed as a consumer as a result of this and the agent and TransUnion are in violation of the FCRA. the CFPBs assistance is requested in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Closed credit card account with a company called XXXX, paid account in full. XXXX sold off to XXXX Bank, which contacted me years later about closed account, I provided them with receipts showing closed account and payment of XXXX or so dollars. Was contacted in XX/XX/XXXX by collection agency and hounded about XXXX account, informed them that it was paid in XX/XX/XXXX. Was cursed and sworn at by guy at collection center and never heard from them again except by mail, I mailed back forms with dispute. XXXX found out thru Experian that I was given a charge off in XX/XX/XXXX with negative credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is refusing to have an in-person meeting pursuant to XXXX XXXX to which XXXX XXXX is entitled. Additionally, Bank of America has failed to accurate report XXXX XXXX 's payments to the credit reporting agencies. Bank of America has misapplied or failed to applied XXXX XXXX 's monthly payments accurately and is therefore causing XXXX XXXX 's account to be wrongfully in default and has wrongfully initiated a foreclosure when the account is not in defaulted status. 

Company response: Company chooses not to provide a public response
Consumer complaint: It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved. 

Company response: Company chooses not to provide a public response
Consumer complaint: my debt was paid off in 1976 through a payroll deduction through the XXXX XXXX paymaster. I have been harassed by numerous collection agencies, over the past 40 years. I dont know where they get their information or why this debt collection persists. When I ask them for details of this debt, or to prove to me that I owe the debt, they respond by saying, " prove to us that you do not owe the debt. '' I refer to my XXXX XXXX pay records, and I dont hear from them until they pass the debt to another collection agency. Then is starts all over again 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2013 XXXX mortgage had XXXX of my mortgages : XXXX for my principal residence and XXXX for an income property. XXXX took XXXX times the mortgage on my principal property and none for my income property then they said I did it. They finally verbally acknowledged they made a mistake but refused to get the money back to the income property mortgage because it would be too complicated. As a result my credit scored went from XXXX to XXXX as the new servicing company was given the income property mortgage on XXXX/XXXX/2013 XXXX portfolio Servicing Inc. No XXXX wants to take responsibility and they all refused to work together. SPS sends forclosure notices consistently. I call XXXX/months and get the run around. What can I do? 
I want XXXX to give the money back to pay the mortgage missing payment and get all the penalties off and write to the credit bureaus with SPS and remove the mistakes on my credit reports. Since then I can not apply for a loan or a credit card or increase my business by getting loans. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have attempted to sell my property through a short sale and have a qualified buyer, but my lender Bank Of America will not allow it. They are telling me there is not enough time to evaluate even though I started the request in XXXX, received the approval to participate in the XXXX short sale and an appraisal was even completed. Bank Of American is saying there is not enough time and I feel that this is not fair! This is ridiculous! I understand I have not been the most responsible with my payments, but I could n't help losing my job and dealing with the hardships has been a challenge to get back on my feet. Everyone goes through ups and downs and I want to do what I can to resolve my debt with my mortgage company. This is why I am trying to short sale the home and avoid foreclosure so I can put this past me and grow. My credit has already taken a huge hit and I would like to save it as much as possible from the foreclosure and close with the buyer we have the home under contract with. Bank Of America has wasted so much of my time with a loan modification and never provided updates or other options to help us. It has been extremely frustrating! They set us up to think they were working on the loan modification and in reality they were ignoring us. Every time I would call for updates, I would get the same response that the file was still under review and that a retention manager would get back to me. Next thing I know my home is on the foreclosure list for the following month. Due to the lack of communication and returned calls, I am filing this complaint with Bank Of America. I feel it is because of THEM that I " do not have enough time '', to complete the short sale. If they would of gave me other options I could of started this process a lot sooner. Now I am against a deadline and desperately trying to save my home. I feel that I have been taken advantage of by my mortgage company and feel that this is a wrongful foreclosure. I have always been on time until I lost my job. I want to escalate this to a manager and will continue emailing and calling everyone up the chain at Bank Of America until I am provided with fairness. For XXXX sake, I have a buyer that is ready to close if Bank Of America will just allow it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I, have BSI loan service /mortgage., I have given my wife all permissions via fax. for her to handle all of my biz. with them, my wife and I never get a mortgage statement in the mail as to see what is being applyed to my loan, no statement to pay the mortgage. My wife has called last week & 6 weeks prior also, she must make copies of XXXX or XXXX rare statements that we have to beg them for, or just dig up their address & write a check. XXXX rep. said oh it is because I had a bankrupcy 15 years ago? Another rep. said oh yes every time you send a pmt. a statement will genarate, but this never happens. I am still waiting for any statement, my wife even begs these reps. for XXXX or XXXX statements with the same date so she can pay the bill. But the fact of the matter now I know the new rule as of XX/XX/2014 they must send a statement every month. I do think they are trying to make me have a late pmt. or a few, I feel this is a set up, to intensionally get me in fincial trouble. Also they failed to send my XXXX for my 2014 taxes, I got an apoligy letter XX/XX/2014 or so, after my wife and I calling, once again they lied & said they sent the XXXX for that year on XXXX dates, wow the post master must loose mail so much. what I demand is a timely statement every month, also this BSI said I had no homeowners ins. last year & once again, lie after lie they sent they want proof in the mail, post master lost a few of those letters too. I also want to recive that letter in a timely manner this year too. Yes I have XXXX & my agent faxed them their info. it is all in my file. Last year they put me in force placed ins. Desired resolution. TIMELY STATEMENT EVERY SINGLE MONTH OF THE YEAR, XXXX OUT BEFORE XX/XX/XXXX OF EVERY YEAR, TIMELY PROOF OF INSURANCE NOTICE AS SO WE CAN ALL COMPLY WITH THE LAW IN A CIVIL MANNER. ( BSI FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA.XXXX ) customer service XXXX this is the party my complaint is on. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Seneca Mortgage Servicing Predatory PracticesSee XXXX reviews for issues similar to mine XXXX mortgage was transferred to Seneca and has never been in default. 

XXXX withheld {$0.00} for my county taxes and now has raised my mortgage payment by over {$500.00} to cover their self-created shortfall of {$3700.00}. Seneca is also withholding insurance in escrow but is not paying the insurance, which I just paid in full yesterday XXXX {$1000.00} XXXX to protect myself from Seneca. 

I am able to afford this increase but I am deeply concerned after reading those XXXX reviews that other people might not be so lucky and might lose their homes to this pattern of predatory mortgage servicing. 

Since I am not in default, I do n't think that there is any relief for me personally to be had but I wanted to bring Seneca to your attention before they do any further harm to others. 

Company response: Company chooses not to provide a public response
Consumer complaint: i am a plaintiff in a pending lawsuit the basis is fdcpa, fcra against Usbank Na alleged creditor and XXXX as servicer for the alleged loan. defendants are making a threat to take an action which they can not legaly take. 
On XXXX XXXX, XXXX. I was given the opportunity to observe the collateral file provided by US BANK NA alleged creditor location of XXXX office by a secretary who allowed me to observe the documents for appoximatley XXXX mins and gave me a black and white copy. 
Plaintiff now witnessed the Collateral file that was now altered in its original form. Plaintiff has now discovered a transfer of the DOT from XXXX XXXX XXXX XXXX transferring all benefical interest to : XXXX XXXX XXXX XXXX, as Trustee executed on XXXX/XXXX/XXXX witnessed by notary XXXX XXXX. 
Us bank Na has recently sent the Original documents to XXXX XXXX XXXX who in turn destroyed the Orignal allonge by writing void across it and has now stamped a new endorsement on the note. 
on XXXX/XXXX/XXXX XXXX XXXX tansferred the same instrument it had previosly transferred to XXXX to a trust dated back in XXXX. XXXX XXXX XXXX has sold the note to XXXX and allegedly to US bank who has yet to produce and authentic endorsement. a true and correct copy of the XXXX. to XXXX XXXX and a recent voided allonge is included as an exhbit along with a corrective assignment that has has not been recorded. I allege that this is morgage fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. XXXX XXXX Account XXXX, XXXX Account XXXX and Bank of America Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of XXXX and I have never lived outside of the state of XXXX in the XXXX years of my existence. When calling XXXX the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over 2 years and more than XXXX attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in seven months shortly after their father passed away. 

Company response: Company chooses not to provide a public response
Consumer complaint: Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I 'm writing to report that the banks have n't changed XXXX bit in the area of setting misleading / confusing terms and agreements to their customers. 

Recently, i availed of a balance transfer offer from Citibank - I have a Citibank XXXX Card. Even though my card agreement and pricing information table indicate that balance transfer fees indicate that fees would be {$5.00} or 3 %, i was charged. 

When i contacted the customer service rep, his answer is that the balance transfer check i used had the terms as 5 %. How many forms is a customer supposed to look over to execute a simple balance transfer transaction without getting screwed around for 67 % more fees than they expected to pay??? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX my sister received a call from XXXX a representative with Heritage acceptance. She did not Identify herself or the company she was calling from. XXXX was calling to confirm my residence through my sister. My sister advised them that I was XXXX. A week later I receive a letter stating that there was a judgement against me the amount and how much I owe. However the did not specifically state that this was an attempt to collect. This debt was from XX/XX/XXXX, and the judgement was filed XX/XX/XXXX. The statue has passed for them to report this to the credit bureau as the have threatened to do so with in the letter. Also the were advised that I am disable and do not have the ability to pay. XXXX then asked my sister who was speaking on my behalf if she was able to pay it. Which was inappropriate to solicit my sister for she did not owe. My sister asked to speak with the supervisor XXXX and she explained the same thing to the supervisor and XXXX was still insistent upon collecting on the debt as well. I am mentally and physically XXXX and have been for along time, with the documentation to provided details concerning my XXXX of which I feel I should not have to disclose. The were advised that I do n't have the ability to pay, and the debt is 18yrs old. XXXX stated that they can try to collect on a judgement up to 20yrs. Either way I do n't have the ability to pay, am currently XXXX and request that the debt be eliminated. I can afford to continually be contacted about this debt and I am on a fixed income that barely meet my daily living expenses 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX account # XXXX .... is not mine and experian has refused to delete account like XXXX did to avoid fcra fines. 

Company response: Company chooses not to provide a public response