vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received a call on my cell phone via an automated dialing system from a man who was very rude and immediately disclosed my debt without obtaining any verification from me. He advised me he was calling from the " litigation department '' and my account had been reviewed by an Attorney in his office. I interrupted him and asked if he was in fact calling me from an automated dialing system ; he refused to answer my question and told me if it was n't a good time to just say so. I informed him he is in violation of TCPA, and not to call my cell phone again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 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: CO

Complaint narrative:
Debt is from 19 years ago I have written them letters told them repeatedly not to call me they call me daily very rude and abusive

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. 
Portfolio Recovery bought an account from XXXX XXXX ( XXXX ) and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. This account has been settled and continuously report inaccurately. After demanding validation of debt, they failed to respond in the required days with the information that was requested, furthermore I decided to settle the account in order to take care of the item in order to be able to buy a new home before my upcoming deployment. This account is further negatively affecting my credit report and score due to this company 's false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PRA is claiming no existing dispute with XXXX. This is false. They are claiming they have no records of direct disputes which me. This is also false. I have responses from PRA that attempt to validate the debt but have never shown any evidence to support that the existing dispute, directly with XXXX, was resolved. Again, PRA should have never acquired an account that is under dispute. PRA dates also can not possibly be accurate as they are claiming " In response to your dispute, PRA has sent a letter on or about XX/XX/2017, containing validation. '' but my CFTB dispute was filed on XX/XX/2017. You ca n't send a response before I even filed a dispute, and again I am not asking for validation. I am informing PRA of an existing dispute whereby they are not allowed to collect and the account needs to be sent back to the original creditor to comply with all applicable laws. Attempting to validate the debt by sending account statements does n't resolve the existing direct dispute with the original creditor, XXXX, nor does it prove the existing dispute was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Many calls ranging from 5-6 per day, often before XXXX and after XXXX. I requested all contact to be conducted on writing and they still contact all day, every day although they have provided no proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Olympic Collection Inc.
State: WA

Complaint narrative:
The creditor Olympic Collections arrived at my home to give me a summons. When I refused to sign he gave the papers to my roommate and informed us that he will keep coming back. After checking with my county clerk I found out this summons was fake. It did not have a proper case number nor the county clerk 's information. It threatens lawsuit, court fees and garnishment if I do not pay an amount that was more than double the amount owed for " court fees ''. I 've enclosed these documents, as you can see they are dated for XX/XX/XXXX and XX/XX/XXXX. I 've received these on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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: TX

Complaint narrative:
They call, leave no message at odd hours especially on Sunday at almost XXXX XXXX. I have sent cease communication notice through my debt management program and they harass me and my elderly parents. They know this is being handled by debt management program and I am sick of them calling me. It is " Portfolio Recovery Services. '' Total scam, even tried getting my mom 's bank information and I live XXXX miles away from my parents and have n't lived with them in over 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have leased a XXXX XXXX XXXX from Toyota Financial Services ( TFS ) on XXXX/XXXX/XXXX. Since this was an electric vehicle, Toyota was offering a special promotion for unlimited mileage XXXX My lease contract clearly states that there is no mileage limit and no charge exists for additional miles. However, upon turning the car in at the end of the lease ( on XXXX/XXXX/XXXX ), TFS has sent me a bill for {$2000.00} for excess mileage. I have been trying to work this out with Toyota since XXXX, but just get transferred around different departments and nobody has the authority to make a decision in my case. I was advised by the representatives to seek outside help. At this point, my account is in charge-offs, and this would soon negatively impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 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: NY

Complaint narrative:
I sent a debt validation letter to Portfolio Recovery Services and one dispute letter to the credit bureaus. I did not receive any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
the company added interest illegally and is still refusing to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 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:
I have disputed this alleged debt multiple times with the credit bureaus each time they allegedly verify this account is mine and reporting XXXX accurately. I have sent XXXX disputes via certified mail to Portfolio Recovery Associates as well and they have never responded or sent me any proof about the alleged debt they are reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Company is sending me a collection notice from an closed account from 2003. Statue of limitation in the State of California has been more than 4 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I could pick a few of the issues above. After numerous attempts to validate this debt I was never given a response. They called me from now fewer then XXXX different number at all times of the day and even called a place that I have n't worked at for years. After the constant harassment I contacted them to just get rid of this. After talking to numerous people on different occasions I was mislead to believe that this was to be deleted from my reports, that was my only reasoning on settling this debt that I have no verification of. So in good faith I came to a settlement to resolve this situation to just get rid of it. Now they refuse to follow through on their end. After XXXX ' of calls from them from different numbers I agreed to resolve this amicably only to be misled by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery called me on XXXX. I requested they do not contact me. I submitted something in writing requesting this. I received another call on XXXX and today XXXX, again reiterating that I have requested them to cease and desist contact with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent the company a letter for verification of debt an as well I disputed it with my credit bureau as well an they stated its been verified however I have never received any documentation. I would like the debt deleted from my credit reports due to noncompliance of the Section 809 of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 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: MA

Complaint narrative:
I had a card with this company but closed it back in 2002 due to someone using it on XXXX. When I contacted the card company the admired they had mailed a duplicate card to California. I immediately paid the card balance and closed the card, they investigated and mailed me the findings along with the ladies identification and social security #. They also mailed my info to someone by mistake. For this reason I would never open another account with XXXX XXXX. I have informed portfolio recovery but they do n't return calls

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: FL

Complaint narrative:
After years of repeating telling Portfolio Recovery to stop calling our number, I finally wrote a letter to them & sent it certified return receipt requested. They rec 'd it XXXX/XXXX/15 & are still calling ( called yesterday ). The letter was from a sample from XXXX XXXX ( consumer advocate ). HELP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
We have already filed a complaint against our Service Provider ( Ocwen Loan Servicing LLC XXXX. Supposedly by XXXX XXXX, 2015, everything was resolved and they corrected all the supposed-missed-payments for XX/XX/2015. However, since that time, Ocwen " accidentally '' took away our loan modification and suddenly the entire thing started over ... '' You are in default for the last 6 months '' etc.!!! We are back to square one with this company. The closer we look, the more mistakes and lies and manipulations we find. Meanwhile, my health is suffering and I am experiencing a XXXX XXXX XXXX and am out from work sick. Please see attached specifics and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. I sent a letter and asked for validation, all I have received from them is just another bill and 2 addition letters saying they wo n't provide additional validation. I have asked them 4 times for validation but to no avail. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
As on all XXXX of my credit bureaus Toyota motor company has filed inaccurate information on me, they refuse to remove it but under by it 's very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. XXXX FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). This information has to be removed or I am going to sue Toyota motor company for false inaccurate information. This needs to be done ASAP. This is a clear volition of the credit act, it was removed from all three bureaus and then placed back on again this again is a violation of the credit act as well

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 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: TX

Complaint narrative:
I have requested proof that this debt is mine multiple times. This debt of XXXX is on my credit file and no one has been able to tell me what it 's for with the exception that it 's for a bank. I have no idea who the bank is. This has not been validated despite my requests.i demand this be removed from my credit file as this is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo failed to stop debits from XXXX after issuing a Stop Payment order well in advanced. They charged me a {$31.00} fee for it but failed to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 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: IL

Complaint narrative:
i have a credits cards debts that i paid off as agreed and the debts suppose to be erase after a months but until now, they still posting that as a bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
i have XXXX auto leases with toyota financial services of XXXX .I am a XXXX resident and XXXX of the XXXX cars have no problem .The third vehicle was assigned an incorrect address so bills were not recieved as well as a cure letter or XXXX letter. 
toyota repossesed my car unknown to me and came on my private property while I was not home and took the car without knowledge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: AZ

Complaint narrative:
COMPANY CONTINUES TO CALL BUSINESSES AND RELATIVES TO COLLECT A DEBT I DO NOT OWE. CALLS UPWARDS OF FIVE TIMES A DAY, NOT INCLUDING T HOSE CALLS TO BUSINESSES AND RELATIVES. REGARDING A DEBT I DO NOT OWE. THESE CALLS NEED TO STOP. THEY ARE THREATENING AND RUDE. THIS BILL IS NOT MINE, AND IS YEARS OLD, NO LONGER COLLECTIBLE LEGALLY. THESE EFFORTS CONSTITUTE FRAUD AND ARE ILLEGAL AND MUST STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
We have been struggling with Caliber Home Loans since XXXX XXXX to correcting errors in our account. Prior to XXXX XXXX, XXXX our loan servicer was XXXX. They made numerous mistakes during the period of XXXX XXXX to XXXX XXXX, XXXX. During this time period we were not only current but paid through XXXX with {$500.00} in our account for XXXX 's payment. Caliber told us that our account was behind. It took quite awhile for Caliber to research it and then we were told that XXXX had made some mistakes. We struggled with XXXX to get our records to pinpoint where the problem was located in our account. 
XXXX repeatedly told us that we needed to work with Caliber because they were the servicer. In a letter dated XXXX XXXX, XXXX, from XXXX XXXX, Vice President, Customer Service, Caliber Home Loans, she states : " Furthermore your allegations are regarding the previous servicer and not Caliber. Please be advised Caliber is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed, you should contact your prior servicer directly. '' The previous servicer ( XXXX ) is refusing to address the issue. Today I spoke with XXXX XXXX at XXXX and she informed me that they had an agreement with you to resolve any issues or complaints or misappropriation of our funds. So I spoke with XXXX ( XXXX ) at Caliber who immediately realized that the problem needed to be addressed by a manager. After waiting for quite some time XXXX ( XXXX ) took my call. She was not especially helpful. She said there is an open complaint and it would take an additional 30 days to " research ''. I let her know that this is unacceptable because we have been waiting for a response since XXXX XXXX that will resolve our issues. She balked at sending us copies of our monthly statements and financial payment history. I requested the records because Caliber has assessed fees and late charges that she says do not exist but I see them on the copies of the statements that I have. She also refused to do a follow up phone call or email to keep us updated on how the research is progressing. She said that Caliber is unable to speak by phone between the research department and customer service. Customer service is also not allowed to phone customers or email them. This does n't seem like customer service to me. XXXX is telling us that we have a single point of contact at Caliber when this XXXX XXXX has never spoken to us nor returned our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
It was {$350.00} when I borrowed {$300.00} for a payday loan and I also have a XXXX title loan from the same place for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Genuine Debt Solutions, LLC.
State: DE

Complaint narrative:
Genuine Debt Solutions calls me repeatedly about a debt I owe. Their number is XXXX or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 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: GA

Complaint narrative:
Based on Information and belief, the alleged account is not mind. I am a victim of ID Theft and have continued to inform Global Receivables Solution, but to no avail. They will not response to my requests for validation and verification but continued to call my home and work. I have never had a XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I received XXXX offers via e-mail ( and XXXX via regular mail ) from Caliber Home Loans with offers to refinance with claims on how I can save money by refinancing into what are obviously sub-optimal new mortgages. I currently have a 30 year 3.375 % mortgage with about 27 years left. They sent me XXXX offer that tries to sell me on the idea of refinancing to a new 30 year mortgage at 4.0 % because " Getting a lower monthly rate and paying less over the life of your loan just makes sense. '' The other offer was to get me to refinance to a 20 year 3.75 % mortgage, again an awful fiscal move. Again they use strong language " refinancing is an easy way to solve many of your mortgage worries. '' They do put a disclaimer on the e-mail that lists out all of their assumptions, but the exuberant language they are using to try to sell people on making what is clearly an awful fiscal decision is wrong and borderline predatory in my opinion.

Company response to consumer: Closed with explanation