AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: BSI Financial has not fully answered questions, notices, requests and concerns brought up by me and my attorney. My attorney has requested several times that all sale dates for my property cease while we look into BSI 's responses to my initial concerns and that they provide proper documentation of their alleged right to foreclose. But they have not stopped foreclosure proceedings or stopped the sale date. I have brought up concerns regarding defects in the chain of title, assignment of the deed of trust with the wrong information, robo-signatures on several recorded documents, however BSI will not respond to these concerns. My attorney and I have asked that ALL foreclosure proceedings and sale dates cease until ALL MATERIAL VIOLATIONS THAT HAVE BEEN DETECTED ON ALL RECORDED DOCUMENTS BE CORRECTED. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I previously held a revolving account with XXXX. In XXXX of 2013 the account was settled for a lesser amount, paid off, and then closed. This company is still reporting late payments although the account was paid and closed. It is not possible to be late on an account that does not even exist. I have filed four disputes to date. Every dispute finds that the reporting is inaccurate and the issue is fixed, until the following month. The company then reports that I am late as if the dispute and resolution never occurred. When I call the company directly I get continuously transferred and am forced to leave a message. I have never received a return call or any attempt to fix the situation directly from the company. This is harming my credit and effecting my chance to purchase a home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent my reduced property tax bill to Roundpoint Mortgage Servicing company via email. I called them a few days later to make sure they received the information, and to learn what my new payment would be. The young man on the phone could not give me that information, but told me they would run a new analysis in XXXX. I told him that was not acceptable, so he agree to run a new XXXX by XXXX XXXX. The company did so, but used the old property tax information rather than the new XXXX. My original summer tax bill was {$4200.00}. The new XXXX is {$2300.00}. My new payment shows an increase of {$35.00} per month, using the wrong property tax information. I have contacted Roundpoint again, but not heard from them. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have a collection that does not belong to me, reported on my reports and I have tried to get them to remove it, but they keep saying they have verified it is me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I found an entry on my credit report from ARS, a collection agency. I disputed with the credit bureaus and recently requested a validation of debt. The letter I received in the mail as validation of debt is not adequate as it does not give a place of service, service provided, or who the service was given to. It only has a date of service and an amount. I do not believe this account belongs to me and they have failed to prove that it does. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX I submitted a letter to XXXX XXXX to cancel my alarm service. Shortly thereafter my account with XXXX was turned over to Credit management , LP for collection. 
XX/XX/XXXX I submitted a letter to Credit Management , LP disputing the collections due to the fact that XXXX did not disclose that the contract was automatically extended when I moved the service from one residence to another residence. 
I received a statement XXXX dated XX/XX/XXXX which reflected my account was at a zero balance. 
I recently discovered that Credit Management , LP collections had not been removed from my credit report. 
XX/XX/XXXX I sent another letter with supporting documentation requesting that the collection status be removed from my credit report. 
XX/XX/XXXX I received a call from XXXX a representative XXXX who confirmed that I did not owe {$310.00} that 's in collections. 
XX/XX/XXXX I spoke with XXXX XXXX at Credit Management and explained that I had confirmation in writing that the collections was not owed. XXXX insisted that the amount was still owing. I requested that the collection be removed from my credit report, and she stated that they could not remove it and that I would have to go back to XXXX and request they contact Credit Management to remove the collections. 
So I call XXXX and spoke with XXXX in the Executive Reponse Team explain to him that I had spoken with XXXX at XXXX and then with XXXX at Credit management. XXXX confirms that I do not owe the {$310.00} that is in collections. He also states that XXXX has not done business with Credit Management in years. XXXX requested that I send him a copy of my credit report so he can confirm the collections is on behalf of XXXX. 
I pulled a credit report from XXXX XXXX and faxed to him with a letter dated XX/XX/XXXX and a copy of the credit report that reflected the collections. 
The credit report page I sent was page 11 out of 13 pages. Credit Management is clearly listed on the report and remarks noted on the credit report states that dispute is resolved, customer disagrees. 

When I last spoke with XXXX in XXXX, he had contacted me via phone and requested that I send him the complete credit report. I refused to do so, because I felt the information that I had sent him previously was sufficient enough. Besides, my credit report I feel is sensitive information. 
At this time, I have been getting the run around from both XXXX and Credit Management, in regards to this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This account belongs to my father. Experian updates the account and states that it belongs to me. My father XXXX XXXX called XXXX in XXXX and recorded to the CS rep. that he did not authorize XXXX to add me XXXX XXXX as an authorized user. He requested that they terminate me from his account and they did. XXXX re-investigated and removed XXXX from my Credit Report. I need Experian to do the same. I request that Experian to review the recordings that my father left with the XXXX Customer Service Rep in XXXX. In doing so, Experian will find that XXXX added me without my or my father 's authorization. ( THIS ACCOUNT DOES NOT BELONG TO ME ). 

Company response: Company chooses not to provide a public response
Consumer complaint: On or around XXXX XXXX, 2015 I cancelled my cable/internet/telephone service with XXXX. I returned my equipment later in the week and received my final bill dated XXXX XXXX, 2015. According to the bill my final balance of {$40.00} was due on XXXX XXXX, 2015. On XXXX, XXXX 2015 at XXXX XXXX, while at my place of business, I received a phonecall from a third party collections service saying that XXXX had sent my bill to collections and that this was an attempt to collect a debt. When asked why a debt that had been billed a mere 17 days before had been sent to collections the employee explained that XXXX preemptively XXXX and routinely ) sends all final bills directly to collections. When asked if he thought that was legal the employee agreed that he guessed it was not and that this is XXXX 's regular practice. I gave my contact information to the employee and informed him that I would deal with XXXX directly. 

After speaking with the third party collections agency I received a second bill dated XXXX XXXX, 2015 that classified the {$40.00} as an " unpaid balance '' that was " due now ''. That bill was received on Friday, XXXX XXXX, 2015. 

Also, when I signed into my account to pay my bill, I noticed that the online bill noted a due date of XXXX XXXX, 2015. 

After leaving work I also ran a google search which revealed that many others have experienced similar issues with their final bill being immediately sent to collections and that the " uncollected debt '' appeared on their credit report. 

The bill has now been paid to ensure that I remain in good standing and I am filing this complaint to ensure that XXXX ceases preemptively sending consumers final bills to third party collection agencies. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Good evening, I am a member of Pentagon Federal Credit Union ( PFCU ). I 've been paying my mortgage for the last 8 years at a rate of 6.125 % fixed. I 've been trying to refinance with PFCU since XX/XX/XXXX and my application is rejected every time due to the loss of my home value. I do n't have a XXXX or XXXX XXXX loan so I do n't qualify for other programs. Recently, in XX/XX/XXXX I changed jobs and my income was significantly reduced. In XX/XX/XXXX, I missed XXXX payments ( I pay every two weeks ) for the XXXX time. So now I do n't qualify for the new HARP program. I submitted a hardship application to PFCU ( XXXX in two years ) with all the paperwork required, including my retirement ( TSP and XXXX ) statements, income, expenses, etc. I requested a loan modification to reduce the biweekly payments and/or interest since I am overextended with my bills. The application was rejected again. What really upset me was that their argument is that I should take money out of my retirement account and take the 10 % IRS penalty to pay my mortgage. I was not evaluated based on other eligibility requirements. That may solve one month or maybe two but what about after that? My income is still too low. In a written letter, PFCU says that my best option may be to find more affordable housing. As an alternative to foreclosure, I may be able to sell my home in pre-foreclosure sale or short sale. PFCU also suggested deeding my home to PFCU as another option. I owe a little over {$110000.00}. My home is worth less that {$70000.00} due to the economy and numerous foreclosures in my neighborhood. I live alone and depend on myself only to make a living and pay bills. I feel like my back is against the wall and I 'm being set up for failure not only in the present but in the future. This bank does n't want to work with me. The " Hardship Application '' process is a hoax. It was a waste of my time and they only wanted to know where I could find money and are not trying to lower the interest rate of my loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint with Trans Union XXXXIt is for XXXX Account # XXXX. I received a letter stating if payed by a certain date XXXX/XXXX/15 the settlement amount it would be cleared. The amount to settle account was {$120.00}. It was payed directly to them by phone and taken from our account XXXX/XXXX/15. It was then put on to my Credit account with Trans Union then after being payed, that saying I owed {$420.00}. This severely lowered my credit score. It was n't even on there before. I have a copy of letter sent by company to me and proof it was payed. I have never heard back from Trans Union. 

Company response: Company chooses not to provide a public response
Consumer complaint: Enhanced Recovery Corporation, XXXX, FL XXXX. XXXX XXXX XXXX debt for early cancellation fee. 

XXXX promised cell phone coverage at my home address. I had no cell phone signal at my home address and could not make or receive calls. After 2 years of complaining to tech support no resolution was found. I switched to XXXX after seeing a friends phone was fully operational at my home. This was explained to XXXX and they still refused to let me out of my contract. I decided to cancel my XXXX cell phone service for breach of contract to provide cell phone service to a location within the service area as shown to me on the XXXX map at time of purchase. The above was mailed to the initial debt collection agency who did not respond. I still receive a daily phone call from Enhanced Recovery via a recorded message in an attempt to collect XXXX early cancellation fee invoiced in XXXX 2010. All other monthly charges were paid in full except the cancellation fee. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2014 I XXXX and went to XXXX XXXX XXXX where I had been admitted to emergency room. 
They took XXXX, and told me that I had to go and see a doctor who would be able to read them and figure out a treatment plan for me. 
I received XXXX bills:1 - from an emergency room doctor2 - for the emergency room chargesEverything had been taken care of. 
I picked up a CD with XXXX XXXX and visited a physician outside of the hospital. He viewed the XXXX and gave me instructions on what to do next. 
XXXX months later I receive a bill from the XXXX technician of the XXXX XXXX XXXX claiming that he read the XXXX for me. 
I have not even seen him, and I have never seen his readings. If I had, I would not have to see another doctor. 
When I tried to explain it to the hospital`s accounting representative, she won`t listen. 
They had Fresno Credit Bureau collect the debt for them. 
Their reps were calling me every day telling me to pay the debt. Finally, I gave up, as it is very frustrating and stressful to deal with them. 
I went to the website and paid the amount they claimed as my debt - {$83.00}. 
The payment went through, but then got rejected. I contacted them, and they told me that the amount went up, and it is around {$150.00} now. 
I really hope you can help me with this issue, I`m trying to rebuild my credit, and I do not need another debt in my credit history. 
I appreciate your time. 
Regards, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a CERTIFIED letter of dispute to Automobile Acceptance Corp. on XXXX/XXXX/2015 and demanded a validation of debt. I was asking for the proof regarding the debt that I owe and verifying it. I have a signed Receipt from Automobile Acceptance stating that they received the letter on XXXX/XXXX/2015. On XXXX XXXX, 2015 I sent another CERTIFIED letter stating I do not believe I owe what they say I owe and in accordance with the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g SECTION809 ( B ) Validating Debts, that this matter is closed since they failed to respond, I assume that they were unable to validate the debt. I contacted ( XXXX ) XXXX ext XXXX or XXXX ) the collections department on XXXX/XXXX/2015 and spoke with XXXX ( front desk ) @ XXXX ; XXXX whom transferred me to XXXX and I got the voice mail, I called right back spoke with a XXXX ( front desk ) on XXXX/XXXX/2015 @ XXXX who transfer me to XXXX XXXX in collections on XXXX/XXXX/2015 @ XXXX. I explained that I needed to speak with someone in compliance regarding a debt validation that needed to be deleted from my credit report. she advise me that she did not have that authority to do so and asked me to fax over my documentations so that she could forward them to her manager whom was in a meeting a the time. I tried to fax the XXXX and the fax failed so I hand delivered them into the office located at XXXX XXXX XXXX XXXX Ga XXXX at the payment center and they were signed and received by XXXX XXXX on XXXX/XXXX/15 @ XXXX. I received a phone call from XXXX XXXX XXXX XXXX Collections manager on XXXX/XXXX/2015 XXXX that lasted 14mins and 40 secs. I advised him that the Account with his collection was not validated with in the 30 day period and I wanted this matter resolved by having it deleted ASAP. He replied by telling me that he had just sent out a letter to me yesterday in reference to my letter dated XXXX XXXX, 2015. I also advised him of the FAIR DEBT COLLECTION PRACTICE ACT, 15 USC 1692g SECTION809 ( B ). AND TOLD HIM THAT IF HE DIDNT COMPLY THAT I WAS GOING TO REPORT VIOLATIONS OF THE LAW TO MY STATE ATTORNEY GENERAL, THE FEDERAL TRADE COMMISSION AND THE XXXX. His reply was go ahead. He later said he would get back with me on Monday XXXX/XXXX/2015 after he spoke with someone to see if I was right. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: TransUnion XXXX, XXXX XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of XXXX for XXXX XXXX County case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXALSO SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " HOMEOWNERSHIP FOR INDIVIDUALS WITH XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " HOMEOWNERSHIP FOR INDIVIDUALS WITH XXXX PROGRAM '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS GOD WILL BLESS YOU I AM SURENANCY XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX XXXX XXXX XXXX XXXX. XXXX was with Citi Bank and I cancelled the card in order to avoid the {$100.00}. annual fee. The other card was with XXXX. I owed {$550.00}. on the XXXX XXXX. I scheduled a payment to XXXX account for XXXX XXXX on my Bill Pay at XXXX XXXX XXXX ( XXXX ). XXXX changed their Bill Pay Web page and I had to reenter the XXXX Credit card account number. When I did this the XXXX site popped up with a notice that the account was recognized and there was no need to add more information. What XXXX Bill Pay sent my payment to Citi Bank! Citi Bank cashed the check on XXXX XXXX. XXXX called to tell me I was delinquent! That was when I researched the payment and found out that Citi Bank took the money. I payed a minimum to XXXX over the phone and they reversed my late fee. Meanwhile I printed a copy of my cashed XXXX Bill Pay check that Citi Bank had cashed. Citi Bank had hand written an account number onto the check that I did not recognize. I called them and told them what had happened. They told me that they had applied the payment to an account that was forgiven in a Bankruptcy filed in XXXX and that I could not file for a refund for 30 days. I have to call them back on XXXX XXXX. I 'm not sure they will even refund the money when I submit this complaint on the XXXX. I believe they are in violation of the Bankruptcy Protection Laws if not committing an act of fraud. How can they write another account number on my check when that account is closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America did not only open XXXX but XXXX checking account in mine and my mother 's name after XXXX of them they already closed for fraudulent activity I believe they 're stupid 

Company response: Company chooses not to provide a public response
Consumer complaint: I have the same bill on their XXXX and I have student on there that still say open that 's been on there since XX/XX/XXXX and XX/XX/XXXX alot of my school loans are over my 7 year thing. 

Company response: Company chooses not to provide a public response
Consumer complaint: The agencies Experian and XXXX has refused to verify and validate the accounts XXXX, XXXX XXXX, XXXX XXXX party, these are fraudulent accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, I was charged interest for purchases made in XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Traffic ticket was disputed in XXXX Traffic Court and paid. Open XX/XX/XXXX ... ..last reported XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are now being charged XXXX for using our overdraft protection plus the interest. We have no problem with the interest, but why a new XXXX fee each time we use it. Also, we are now limited to XXXX trans actions per month on transfering our own money from XXXX acct to another. After XXXX tranactions ... a fee is imposed? 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt collector continues to call my job with an automated message stating my name and that they are trying to collect a debt. My secretary had heard the message as I work in a school. I 've tried to get them to stop calling, but they will not. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a loan with XXXX different lenders and was presented with XXXX different credit scores from Experian. My credit union provide XXXX different scores. While in the credit union I was told that my Experian score was at XXXX. They turned down my loan but sent be an Adverse Action warning and the Experian score was at XXXX. I applied at a different lender for the same loan and was told that my Experian score was at XXXX. Same Credit Reporting Agency giving out XXXX different scores. It appears to me that this is against The Fair Credit Reporting Act. If not why do we allow them to control our credit history and scores when they can not give the same score to every lender? 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe I am the victim of a wrongful auto repossession. I had difficulty paying my auto loan, NOT because of inability to pay, but because of problems with the bank 's bill payment system. I was told this would be resolved, but it was not over several months. I received only the first paper bill ; subsequent electronic bills were emailed, but the embedded links did not work. I was not able to pay the bill online, or at local banking centers. My car was taken from my driveway in the early hours on XXXX XXXX, though I gave up keys willingly. I did not receive any notice of default, nor of repossession. I have since paid the payoff balance for the loan ; however due to excessive storage fees, I have been unable to retrieve the car. I have exhausted funds to rent a car and plan to file for replevin and money damages as quickly as possible. Additionally, I would like to lodge a complaint with the CFPB. 

Company response: Company chooses not to provide a public response
Consumer complaint: Continued robo-calling for someone else. We do not owe the debt for which they are calling. Number calling is XXXX ; last call was at XXXX XXXX XXXX XXXX which is a Sunday. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm getting multiple phone calls from a company called UCB for my former brother in law. I told them to stop and it is continuing. 

Company response: Company chooses not to provide a public response