vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FC HoldCo LLC
State: WA

Complaint narrative:
I have gotten calls from XXXX XXXX, Flagship Credit, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. I most recently spoke with an agent on XXXX/XXXX/16 at approx XXXX. The agent was polite and provided the above info after I advised her I was sick of the calls and was going to file a complaint. 

Approx 6 weeks ago we received several calls from this company and they left no message. When they called at a time I was home I answered a call from them, after I found out what they were after I answered some questions to verify I was not the person they were after. Some weeks went by and I started getting some calls again, no message left, again when I was home I answered the call. I told them I had answered their questions, cleared up the issue, I would not answer any more questions and to quit calling me. At this point I became uncooperative and remain so. 

A week or so passed and more calls with no message. Again when they called and I was home I answered and spoke with XXXX, this time I gathered contact information, informed her I would answer no questions and I was filing a complaint. 

I get the whole deal on collecting debts, they have a complex job but when someone cooperates, verifies some info, and continues to get calls they create a poor reputation for their company and the industry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have called and complained multiple times that this is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: TriVerity, Inc.
State: AZ

Complaint narrative:
I had attempted to negotiate a reasonable settlement of past due car payments with the original note holder. XXXX XXXX XXXX XXXX. We could not resolve. I voluntarily returned the vehicle. The vehicle was sold for an amount equal to or higher than amount owed. I attempted to resolve the quoted 'balance due after sale ' with XXXX XXXX. No response at all. Then I was contacted repeated by phone ( to the point I blocked the caller ). I responded in writing requesting no further phone calls and an accurate breakdown of charges. To this date I have not had any compliance from the debt collector - C U Recovery and they have actually sent me information with other individuals names on it stating they owe the debt as well. This C U Recovery appears to not have a professional representation nor is willing to assist in resolving this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio recovery services LLC representing XXXX XXXX bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: F.H. Cann & Associates, Inc.
State: IN

Complaint narrative:
XXXX has been calling my workplace. My workplace is a XXXX. Not only are these calls an embarrassing form of illegal harassment, but they are putting people XXXX in danger by clogging up the phone lines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
This business was contacting me regarding an old debt from XXXX XXXX. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got XXXX XXXX to delete it. Now in XXXX they reported to all three credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Balance paid in full XX/XX/2014 through XXXX XXXX XXXX. I also filed disputes with all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Financial Services reported incorrectly information to the Credit Bureaus for a late payment done on XX/XX/XXXX. This late payment was not reported until I protested another late payment done in XX/XX/XXXX. I feel that TOYOTA FS was dishonest in reporting to the Credit Bureaus correct information and I never received any notice or call regarding making a late payment either. When I protested on the BBB in XXXX, XXXX admitted that they had done a mistake/error and should have reported this late payment. I was never informed that they had made this report or late marker. Therefore I feel that TFS is acting in a dishonest illegal way due to not informing the bureaus and then backtracking themselves and not informing me. I believed that payments could be done until the XX/XX/XXXX without penalties. 
On another note, I payed my monthly payment on XX/XX/XXXX due to the fact that previously I had payed up the XX/XX/XXXX th before getting a XXXX day late payment marker. I also called TOYOTA on the XXXX letting them know that I was sending a check for the complete payment on the XX/XX/XXXX since I had refinanced my mortgage to pay off my account with TFS. I was never told that a late payment marker was being applied that day due to lack of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I was served to appear to respond to a credit card debt owed. 
I never received a failure to appear from the court in a amount that was incorrect. I was informed by a Law firm that a judgement was rendered in the incorrect amount and I authorized them to with draw from my checking account a amount that I could only handle for seven months. The law firm would not accept a lesser monthly amount. The original loan was {$1900.00}. I paid to XXXX XXXX {$700.00}. 
PRA sued me for the arbitrary amount of {$3200.00}. I paid the Law firm {$700.00}, which brings my amount to {$2200.00}. Despite paying {$1400.00} on a original loan of {$1900.00}. This is my second complaint concerning this practice of playing loose and fast with the process. 
Last week I called Portfolio Recover Associates, LLC. They had no knowledge of any of my dollar amounts and told me to call, XXXX XXXX XXXX XXXX XXXX, XXXX Each of those collectors told me too call the other collector. No one would offer any advice other than wait for my bank to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery is attempting to repeatedly collect on a time barred account I had years ago with XXXX My caller ID indicates they called me today at XXXX. from phone number : XXXX after multiple times previously informing them to " stop calling '' my personal residence and to contact me by mail if necessary. I informed them that they are " harassing '' me and invading my privacy at my home and to stop immediately. They refuse to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
To Whom It May Concern : Portfolio Recovery, XXXX, continues to contact me subsequent to verbal and written cease and desist requests. I am filing this formal complaint. 

The above referenced third party debt collector seeks recovery of a ( purchased ) charge off non-secure debt older than 7 years. Despite the age of debt, I initially engaged in a negotiated paid in full agreement. Upon failed attempts to secure Portfolio 's written confirmation of the terms via phone, I discontinued further negotiations. A verbal request was logged to cease further contact as the duration of the debt exceeded the statutory term for collection activity. Was advised the requested was documented on the system of reference. 

Almost a year later, Portfolio continues to lodge outbound calls to my personal cell phone. When instructed of the previous verbal and written requests to cease contact, representatives acknowledge the logged request continuing with verification and payment inquiries. 

Portfolio 's actions is violative of FDCPA. among other promulgated third party debt collections prohibitions announced under CFPB guidance. 

For these above reference items, this compliant is hereby filed with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: CO

Complaint narrative:
My wife and I have been working with NACA ( Neighborhood Assistance Corporation of America ) to buy a home. I had quite a few issues with communication and our first housing coordinator. I requested a new one after being told that we going to underwriting and communication stopping. I climbed the ladder with phone calls and emails and after two weeks was assigned a new counselor. He pulled my work history, and more duplicates of financial documents that i have submitted multiple times, gave me a housing price and told me we were going underwriting. He has said he would call, which was last wednesday, and I have called multiple times to see if they need anything else and to see if we made it to underwriting. No one has returned my calls, or emails. The file does not have notes as everytime I talk to a customer services representative, they say their are no notes. I have submitted over XXXX types of financial documents and upset that I have been jumping thought hoops since XXXX, paid XXXX dollars in fees and have no answers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates sued me for a debt that was not mine. They said it was from a credit card I had in XX/XX/XXXX and they were garnishing my wages inn XX/XX/XXXX thru a court order I knew nothing about because they sent the summons to an address I had n't lived at since XX/XX/XXXX. I tried to call them to let them know and they were extremely rude. I found an old credit report filed away that said I had that card and it was opened the same day as the one I was sued for but the account numbers did not match up. I called PFR and they said it was my debt and did not want to hear what I had to say and when I asked if they could give me proof they said the original debt collector ( XXXX ) had the info. When I called XXXX they asked me for the account number and my SS # and told me it did not match the account and I would have to call the 3rd party debt buyer. When I called PFR back with the findings they told me that they owned the debt and XXXX should not have told me any thing when I called XXXX back the next day they refused to talk to me any more that the account was locked and told me they could not help me which I thought was weird because the day prior they were able to at least tell me the account was not mine. I live in XXXX and was sued in XXXX courts because that is where I lived when the debt had originally occurred so I had to miss multiple days of work and try to figure it out and get help. I was able to get it vacated because I had prof that I did not live at the address the summons was sent to. They were ordered to pay me back all garnished wages. They did pay me back everything but {$5.00} which I was tired of fighting with them and do not have the time to fight for it. I do have all documents needed to prove my case. During all of this I did keep calling them to see if they would listen and some were OK to me and others were down right rude. I actually had a guy that said I do n't pay my bills and he pulled up my credit profile and was naming off medical bills that were past due, told me I was cunning, and he did n't have time to talk to me because he had to talk to people that were actually willing to pay their bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
portfolio recovery bx XXXX XXXX, va. XXXX refuses to send statements and payment verification. I have ask for payment documents. they say thy do not send any forms to send in money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Lexus/Toyota mistakenly sent my account to collection for {$400.00} ( for a missing key ). I returned all keys when I turned in my vehicle to Lexus dealer at end of lease on XXXX/XXXX/XXXX. Lexus then confirmed from paperwork that was sent from Lexus dealer on the day I returned the vehicle that it shows XXXX keys were returned to Lexus dealer by me so Lexus waived {$400.00} from my account. Lexus then issued a letter on XXXX/XXXX/XXXX ( as attached ) that shows XXXX balance per my request. 
I contacted Lexus the day I received a collection letter ( please see attachment ) and asked them to remove the collection since it 's invalid debt ; I have XXXX balance per last letter that Lexus sent me, and they refused to make correction of their own mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I have an unverified account from PORTFOLIO RC. I had previously disputed this account. I have never done business with PORTFOLIO RC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery associates claim I have a debt from XXXX XXXX account. I never had a credit card from XXXX XXXX ( credit card ). This was reported and showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
The CFPB and XXXX States, including mine ( Utah ), brought an action against OCWEN and got OCWEN to agree ( XXXX XXXX ) to their {$2.00} XXXX penalty settlement, and their written promise to not perpetuate any court action against any home in which they had filed falsified ( robo-signed ) titles with the county recorders and the courts. OCWEN identified me and my home as one of the victims of their illegal action and paid me {$1100.00} in XXXX XXXX. In spite of that payment and their promises contained in their settlement, OCWEN hired their XXXX attorney in XX/XX/XXXX who perpetuated their fraud before both the local state district court and the federal court in Utah, and finally got me evicted from my home this past XXXX. This after me on my own legally battling them since XXXX XXXX against their illegal acts. They are now getting ready to perpetuate some more their crime against me and my home ( that sits deteriorating and vacant with their lock on it ) in the Utah XXXX XXXX XXXX - that is if they can find a lawyer stupid or crooked enough to take them on as a client ( they have gone thru XXXX lawyers so far ). What can the CFPB do to help me to enforce the settlement agreement that OCWEN is actively violating against me? The past XXXX Attorney Generals in Utah ( XXXX of which are currently awaiting trials for felony criminal charges themselves ) have denied in writing all my multiple requests to even investigate OCWEN, let alone prosecute them for their past, current and active felonies - felonies that stand as un-refutted in the record of my state court action. It appears OCWEN only got this far in their action against my house because of judges who do n't do their duty and ignore the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Credit Report Shows balance of multiple accounts that are not mine nor have my information. There are multiple companies involved. 
1 ) XXXX XXXX : XXXX accounts show on my credit report, no more information, but is affecting my credit history. I spoke to a supervisor who could not find such accounts but they still being reported on my credit report. 
2 ) Portfolio Recovery Associates : I have no debt they want to collect but appears on my credit report and I have disputed the information almost more than XXXX days ago, I have not get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I have Medicaid and have so I do not know why I 'm being charged

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen Loan ServicingWe were behind two months on our mortgage ( XX/XX/XXXX and XXXX XX/XX/XXXX ). We sent an overnight check received on XXXX XXXX XXXX that was signed for.The check was never cashed. Upon calling we were told that they had changed their overnight address and to give it a few days so it could be routed to the correct area. We called back a week later and was told the numbers written in the box of the check did not match the words written in the body of the check. I wrote the numbers and words correctly and assured them of that. I asked they send that check back with an explanation. They said they would but we needed to send another check to their new overnight box which we did and they cashed that one. During that conversation they said that our escrow account was short {$5100.00} and our new payment had gone up {$220.00} a month going back to XX/XX/XXXX. We sent a certified letter ( XXXX XXXX XXXX ) them asking for our check back from XX/XX/XXXX that they did not cash and to provide us with an explanation of our escrow. We also called and spoke to a customer service representative who said she would accommodate this request. It 's seems {$5100.00} is extreme since our property taxed have only gone up {$400.00} for the new year and our homeowners premium has stayed the same from last year. We send another overnight check which was signed for on XXXX XXXX XXXX. We waited for it to clear the bank and on XXXX XXXX XXXX we called and they said they were no longer taking payments from us unless we send them {$11000.00}. 
On Monday XXXX XXXX XXXX I received my escrow projected statement ( which by the way is dated XXXX XXXX ) along with any accounting of my account since XXXX with fees for example service process XXXX/XXXX/XXXX {$420.00}, title report fee {$75.00} XXXX/XXXX/XXXX process service fees again on XXXX/XXXX/XXXX {$340.00}. The list goes on and on all while they denied my modification and then XXXX months later after denial I get an email that " great news your modification has been approved '' I thought it was a scam and contacted my local HUD counselor who verified for me that in fact it was changed from denied to approved. Hence we started making our payments. Ocwen has XXXX checks right now that they have refused to cash and in the interim cashed XXXX. This does not seem right. I have since been sent another modification package. I do n't dispute any late fees since our payments were received after the XX/XX/XXXX due date but I am disputing all other fees and the escrow amount. another modification package also.

Company response to consumer: Closed with explanation