vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
On XXXX XXXX, 2015, I received a phone call - purportedly from Portfolio Recovery Associates ( PRA ) - telling me that my wife owed them {$650.00}. I denied that assertion. The caller asked for the last XXXX digits of my wife 's social security number. Having no evidence about who was calling, I refused, and I asked that the claim be mailed to me. The reply was that the claim had already been mailed to me. I denied that. At some point during the conversation, I asked where the claim had been mailed, and the PRA rep gave me an address that was not ours. 

The PRA rep refused to agree to mail me the claim, and declared she was marking this claim as disputed. She said I had to respond to their Disputes Department within a certain time period ( I do n't remember how long ). I asked to speak with someone in the Disputes Department. After a considerable delay, I was able to speak with a Disputes Department rep, who said I had to email or mail my dispute about the claim before they would give me any more information about it. She gave me an address and an email address. This entire conversation, or rather confrontation, wasted more than XXXX minutes of my time. I do not see why I should have to respond in writing to a verbal charge by an unknown accuser, attacking with an unknown accusation. 

The same day, XXXX XXXX, I emailed and mailed my response which I will attach to this complaint ( although the left upper corner reads XXXX/XXXX/2015, that is the date of my re-printing of the email, which was sent XXXX XXXX ). 

Yesterday I received a letter from PRA ( also attached hereto ) dated XXXX XXXX, showing a debt owed by XXXX XXXX XXXX, with a social security number ending in XXXX. My wife 's name is XXXX XXXX XXXX, and there is no " XXXX '' whatsoever in her name. There never has been. Her social security number does not end in XXXX. 

From the beginning, PRA was attempting to collect a debt from us when they knew our address did not match the one they had. And they initially refused to give me any information about the debt or the debtor until I took the action of disputing the claim. 

Once I did take that action ( giving them our address, which they did not have until they received my disputation letter ), and they knew for a fact that the name of the debtor did not match my wife 's name, they continued to try to collect the debt. 

This is not a case of identity theft. It is a case of wanton disregard of identity FACTS by PRA. 

I am responding to PRA 's letter with the attached letter, but because I am not providing them with answers to many intrusive identity questions to which they have no right to an answer, I fear they will continue to hound my wife and me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates , LLC out of XXXX, XXXX is attempting to collect on a debt that exceeds the statute of limitations of 7 years. This debt was part of a divorce decree filed in XXXX County, XXXX in 2003. As of today 's date, that makes the debt more or less 13 years old, thereby exceeding their jurisdiction. In addition this debt has been sold three times to different creditors and I do not believe the statute of limitations resets itself in order to satisfy a debt. It also states on their letter that if the amount exceeds XXXX dollars they " may '' report it to the IRS which is predatory collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Portflio Recovery Associates, LLC to dispute account ending XXXX on my credit reports. I did not receive a response to the first letter so I sent another letter on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates , LLC stating that in response to my dispute they have enclosed additional documentation for my review. The letter states that they have completed their investigation concerning my dispute and the attached documents related to the account establish validity. Enclosed with the letter is a statement for a billing cycle from XX/XX/XXXX-XX/XX/XXXX in the amount of {$220.00}. This does not validate the debt reported to the credit bureaus. The balance reflected on my credit report is {$890.00}. On XX/XX/XXXX I received two letters from Porfolio Recovery Associates, LLC, the first letter provides details of the original creditor and the second letter advises me that any any further correspondence received would be ignored if no new information to form a new investigation is included. This is not a debt I owe and did not have an account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: VA

Complaint narrative:
After experiencing XXXX I had XXXX XX/XX/2015. This XXXX along with the XXXX forced me to take an extended leave of absence from work. I contacted Flagship Credit Acceptance to make my XX/XX/XXXX payment on XXXX XXXX, 2015. When asked why I was 7 days late, I explained about the XXXX without divulging my PHI information- I was XXXX and admitted as an XXXX something rarely done today. The representative wanted to know what body part of mines was operated on. I know that this was definitely a violation of not only my human rights, but PHI ( personal health information ) and he was going to share this information which was a HIPPA violation. I have been also told on numerous occasions by the Flagship Credit Acceptance Staff that they do not offer better terms refinancing on their loans and was advised to contact the dealership XXXX of XXXX regarding refinancing. XXXX of XXXX then refers me back to Flagship Credit Acceptance who continues to do business locking consumers in their predatory lending making it nearly impossible to locate financing with other lenders because like myself I am underwater or upside down in a car loan that is only 14 months old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I applied for a personal loan in the amount of XXXX for a XXXX.I never went back seems like XXXX charged the XXXX XX/XX/2013 and I just found out after getting collection notice found out it was from XXXX office Almost 4 years later.XXXX has reimbursed the $ But I have a collection with all XXXX Bureaus.As of yesterday the dental office paid back the XXXX I never received or got work done for this is XXXX XXXX XXXX in XXXX XXXX Ca collection agency is Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial Services neglected to acknowledge payments made on my vehicle. They will not give my money back nor apply it to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
The exact option for filing this dispute is not listed in the drop down menu above. This company is inaccurately reporting as the original creditor/lender on the XXXX credit reporting agencies. This is inaccurate information, they are a debt collector not a creditor. I have made attempts to have this information validated and updated/removed and have received no formal response to any letters I have mailed in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On XXXX XXXX, 2011 I sent a Debt Validation letter certified mail return receipt requested to Portfolio Recovery Associates , LLC. I have never received a response. Portfolio has been reporting this invalidated alleged debt to the XXXX Credit Bureaus since I sent the letter ( over four years ago ) which is considered further attempts to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have received automated calls from a company calling themselves Portfolio Recovery stating that they have received a bad check through their office with my bank information, routing number and social security number and to press XXXX to speak with a representative. They will come on the line, verify my number and last XXXX digits of social security number then place me on hold to look up my file. The never come back to the line. After XXXX minutes or so the line goes dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 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: MA

Complaint narrative:
Dept is paid off directly to collection agency. I need assistance notifying credit bureaus and original debt owners. 
And also XXXX duplicated collection accounts on my credit bureau file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc.
State: CA

Complaint narrative:
I was in a student loan rehabilitation plan with FH Cann from XXXX 2014 until XXXX 2014. During the loan rehabilitation program FH Cann illegally added excess fees and collection costs to my student loans. FH Cann also did not disloce where my payments were allocated to. FH Cann is engaging in illegal debt collection tactics by adding excessive and illegal fees and collection costs to people who are trying to rehab their student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This debt is beyond the statue of limitations I am not taking responsibility for the payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Corp ( PRC ) continues to call on a stale debt 2006, which was discharged. They were notified XXXX in the past about this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: DC

Complaint narrative:
I have been getting a lot of refinancing offers from my servicer with titles such as " Caliber Has Important Payment Savings News for YOU. '' The " savings, '' however, come from the re-amortization of the mortgage at a new 30-year term -- the actual interest rate is higher than that on our current mortgage. I understand mortgages well enough to know that this offer makes me worse off. However, I think other consumers could be tricked into a contract that makes them worse off. ( Admittedly, there 's fine print at the bottom of the ad that alerts consumers to this issue, but I think it 's cryptically worded. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
A caller claiming to be Comenity bank has called me twice in a week to collect an old written - off debt ( approx 20 years old ). Threatening that i better have a lawyer, etc. I called the real Comenity bank myself, and they said I do not have an open account in collections or otherwise with them. They also confirmed that they do not have a phone number XXXX in their organization. the caller 's name is " XXXX '', and she states I " better call today '' with my lawyer. Obvious scam

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I leased an apartment named XXXX Apartments and i was asked to pay a deposit down of {$500.00} Dollars. An error was made by the leasing office and they wanted me to pay XXXX Dollars for a deposit and went to court and judge ruled in my favor that i did not have to pay an additional deposit. When i moved out the apartment i did not receive my {$500.00} Dollars deposit back and the apartment was left cleaned with no damage. Due to the Manager of the apartment being upset with the judge 's ruling she sent my file over to collection agency and charge me for things she made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received a payday loan from XXXX and ended up gett other loan to pay that loan. I was paying XXXX $ every pay check but only XXXX $ for wha was being paid went to the principle. It would ha taken 17 payments making a XXXX $ loan cost me ove XXXX . 
I ended up lost in in loop now I owe speedy cash for a ridiculous sum as well as th cash store. I XXXX and ca seem to find out way to stop th loans gaining more and more interest. 
What can I do? If there help without another loan I 'd like to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I took out a payday loan for Speedy Cash for XXXX and my fees and everything went to XXXX, I was n't expecting those charges

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pendrick Capital Partners Holding, LLC
State: NE

Complaint narrative:
XXXX XXXX systems continues to report a debt to my credit bureau that has been XXXX in a bankruptcy. My debt continues to be sold from agency to agency. I called them today and they said yes it should be closed. But the agencies on the back end keep selling it. It is now on my credit report once again. This has happened 3 times. I want it removed asap so we can pre qualify for a home loan. The current agency holding this debt, that was sold to them, is Pendrick Capital Partners.I should not have to call every XXXX months to have a debt removed from my credit report. This is haunting me and tanking my score. I feel harassed and defeated that this keeps happening. Someone needs to be held accountable. I 'm unsure why commonwealth financial systems has things straight in their records but these other agencies are still passing this debt around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
New loan service agency is demanding that I as a third party authorized interest in an existing loan have knowledge of the original borrower 's Social Security Number in order to verify the loan.

Company response to consumer: Closed
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
We contacted Caliber Home Loans to apply for a home mortgage to purchase a new home and were fraudulently misled with regards to the loan terms. We made it specifically clear that our intent in requesting the mortgage was to purchase a new home, and we would then immediately sell our current home, and apply those proceeds to our new mortgage. Because of this, we needed a mortgage that would allow us to make a large lump sum payment once we sold our home and lower our monthly payments going forward. Once we sold the house and made the lump payment, Caliber refused to honor the terms promised to us by our loan officer, and will not lower our monthly payments despite use making our large lump sum payment, and have instead shortened the duration of the loan rather than lowering the monthly payments. Despite repeated requests for resolution, Caliber has refused to honor the terms promised to us by our loan agent though our loan agent has confirmed that the loan terms we received were not the terms that we requested, were promised, or were told that we were signing. These are fraudulent and predatory loan practices taking advantage of the consumer, and we are requesting assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PlusFour, Inc
State: NV

Complaint narrative:
The company stated it was illegal to delete the account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act '' or " the company agreed to delete the account for payment, after the fact they said they will not delete the account and therefore violating our original agreement ''.

Company response to consumer: Closed
Consumer complaint received 2016-06-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
Speedy Cash made a hard inquiry on my credit report with XXXX. 
I did not authorized anyone employed by XXXX XXXX to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company response to consumer: Closed
Consumer complaint received 2016-09-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: HI

Complaint narrative:
Weltman , Weinberg & Reis Co., L.P.A. has been contacting me about collecting on a student loan they are servicing for XXXX XXXX. After a few phone conversations, I asked them to provide documentation that verifies that they are the proper collections agency to collect on behalf of XXXX XXXX. This was back in XXXX, 2016. It has been 6 months and I still have not received any sort of verification documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Genuine Debt Solutions, LLC.
State: NJ

Complaint narrative:
they would change their voice, and say they have a case against me and they going to take me to court.. different people keep calling from different numbers. last this last person name XXXX call and said that she was going to contact my job.I told her that she have to send me some info and she said that they dont.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
Hello, Plus Four continues to attempt to collect a debt that is not valid. I have contacted Plus Four to request a name of number of person I can verify debt with and they have failed to provide such. 

They also continue to provide this inaccurate information to both XXXX and XXXX.

Company response to consumer: Closed
Consumer complaint received 2017-03-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: FL

Complaint narrative:
VW Credit is reporting XXXX late payments from a car purchased thru them on XX/XX/XXXX. The account was settled and paid in full by XX/XX/XXXX. The late payments are showing in XX/XX/XXXX which at the time the car was paid in full plus the fact XXXX years have passed since the last activity so this account should not still be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 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: ResidentCollect, Inc.
State: PA

Complaint narrative:
I have sent this collection agency multiple letters via certified mail and they have never responded or provided any proof of the alleged debt they are reporting on my credit reports. I do not agree with the amount of the debt owed and i have asked them for an itemized bill of particulars so i could determine how they got to the amount they allege owed. They have violated 15 USC 1692 FDCPA and 1681 s-2 FCRA. A data furnisher is required to respond to a dispute with in 30 days of receiving a dispute. I have sent XXXX letters certified mail and they have never responded.

Company response to consumer: Closed
Consumer complaint received 2015-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc.
State: IL

Complaint narrative:
GLOBAL RECEIVABLES SOLUTIONS SHOWED UP ON MY XXXX CREDIT REPORT. THIS COMPANY IS ILLEGAL AND CAN NOT LOCATE IT ANYWHERE. ( SEE MY CREDIT REPORT DATED XX/XX/XXXX2015 ) THEY RAN MY CREDIT ON XXXX/XXXX/2015 AND AGAIN ON XXXX/XXXX/2015 AND CALLED AND STATED THEY ARE TAKING OVER WEST ASSET AND GAVE A PHONY NO. XXXX, WHICH I CALLED AND IT WAS XXXX? THIS IS A FRAUDULENT INQUIRIES AND WANT RESTITUTION.

Company response to consumer: Closed with explanation