vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I 'm not sure that this is the correct option for this particular complaint. Here is the issue : I was told by a local government job placement training to check my credit report to enhance my chances of getting a job. I was told to go to XXXX, and that it was a free service. Indeed, when you first log onto XXXX, it says that it is completely free ( see screen capture attached ). All throughout the application process, it says that the service is free. 

I do n't remember ever going to the official Experian website. But I do remember agreeing to paying {$1.00} to find out what my credit rating was. Being that I am unemployed and have no substantial source of income, that is all I could afford to pay. 

Today, Experian withdrew {$21.00} from my checking account. When I called them, they said it was because I had logged on to XXXX, which is owned by Experian, and that I had agreed to pay the {$1.00} charge, but that since I did not cancel my membership after 7 days, I was charged {$21.00}. 

So, I went directly to the Experian website and at the top of that site, it says that you can get your Credit Report for {$1.00}. No mention is made regarding a " membership '' or a {$21.00} charge. In that same section is the call to action button, which says " Get Your Credit Report and XXXX Score. '' If you click on that button, which you normally would after reading what it says above it, you will have missed what it says only if you scroll down that page, in fine print -- that the {$1.00} charge is in fact a membership fee that turns into an additional {$21.00} after 7 days. 

This is HIGHLY MISLEADING AND FALSE ADVERTISING, especially if it is linked to the XXXX site. 

Also in the process of filling out the information for XXXX, I remember reading that, if you make false statement to Experian, you will be prosecuted by the Justice Department. I do n't remember where exactly I read this, but I was shocked because it gave the impression that credit report agencies are part of the federal government, which is misleading. 

Thank you for your attention to this matter.

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 monetary relief
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates LLC is threaten to sue me on time-barred debt in XXXX XXXX XXXX, Florida local case number in XXXX. XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX filed the complaint without notification of the compliant. This debt occurred between XXXX and XXXX. I never received service of process about the court filing and hearing set for XXXX/XXXX/XXXX. I came aware of this lawsuit and date of hearing by searching the clerk of the court website for some other matter. This is unfair practices by the company and attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery have a credit card debt that I had started to pay back in good faith ; arrangements had been made for an automatic withdrawal starting XXXX 2015. I was forced to discontinue payments from XXXX 2015 after losing my job, which they cancelled the payments, but since then they continually call at a bare minimum of 8 day intervals, and normally call every two days, even knowing I no longer have the ability to pay. Every time I tell them nothing has changed since the last time they have called, the response is always : " Well, our computer automatically dials it. '' I want an immediate end to this harassment, I want them to be forced to discharge this debt if they continue harassing me! Different numbers come up on my caller ID, but the XXXX prefix is most prevalent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates has reported an alleged debt with XXXX bank, with whom I have never done business, on all three credit bureaus. They never communicated with me ahead of reported the alleged debt, nor have they provided a means to contact them, never gave me an opportunity to dispute this debt prior to placing it on my credit reports, or otherwise. Further, when I disputed this with the credit bureaus, they fraudulently confirmed this debt to the credit bureaus, despite this not being my debt. ( As I said, I have NEVER done business with XXXX in the past ). There are multiple violations of the FDCA, to my understanding, and I must insist they remove these fraudulent reports from my credit report immediately. I refuse to contact them directly, because in my research, Portfolio Recovery Associates has repeatedly asked the alleged owners of debt to " verify '' information such as name and address, which PRA does not have, in order to say, " well, our information matches, this is your debt ''. Thus, I summarily refuse to interact with the perpetrators of institutional fraud! 

I had suffered identity theft several years ago ( to wit, I still have a fraud alert on my credit bureau reports ), and I can only guess that this is Portfolio Recovery Associates trying to extort money from me as a result of that identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
We put a few notes to the back and they did n't tell us they were accruing interest, so when the time came that all our notes due were paid. We still owed XXXX dollars from interest on those payments. Even though we were paying all future notes on time for a period of about XXXX years. They kept reporting we were late paying and still had an outstanding balance. This interest that was gained on the post dated notes were going to cost us the XXXX plus interest while paying on that. We tried to get it straightened out but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC

Complaint narrative:
I didnt know which to select above but basically, XXXX was sending me immense phone bills, i was in and out of hospital for several months due to illness and operations where I missed payments, XXXX were kept informed of my situation and made aware of payments going to be delayed and then there was a point where I came out of hospital asked what was owed in total and I paid the whole amount off and purchased an upgrade within 2 days of the new phone they cut me off and sent me a phone bill for hundreds yet again just 2 days after paying the whole debt! I asked them to provide me with proof of the usage which they did not for 3 years I tried several times to obtain this and even made offers to pay which were refused, just to get rid off them. The bill was in dispute and i withdrew my consent for them to have my data or continue as they kept breaching what was agreed, they then recently sent me the statements but made it clear that they no longer have any debt owed from me and that they require no contact with me this was because they had sent my data to a credit agency which has marked my credit file and refuse to remove themselves and have threatend to continue to harass me despite my attempts to get them to leave me alone and remove it, it has prevented me from many things as this is the only negative thing on my report and has caused me great distress. I have no contract with the debt collectors nor do I owe them a penny, and withdrew any consent for data to be held they have tried to use vodafones terms and conditions stating they can as per my terms, in the act of laws if a contract is disputed the original terms are null and void therefore the debt collectors shouldnt even hold my data in the first place let alone threaten to continue to XXXX me for debt, they were made aware of this dispute with vodafone and told that the terms are disputed and they were not aloud to access my data, but chose to ignore it and continue to obtain data from vodafone to XXXX me for money. XXXX are not my issue now, they have stated they will never contact me again, but PRA ( portfolio group ) refuse all attempts made and state they will XXXX me for debt, they can have my data and i do owe them money, all of those are incorrect, I dont even have a contact with XXXX never mind PRA, unless they can prove my agreement to their terms and show me a contract between myself and them I wish for them to remove from my credit file and leave me alone this is all I wish for. Thank you for taking the time to read this and I hope you can help me. Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company began calling my number approximately XXXX 2016. I have continuously asked they remove my number from their contact list, as the person they are looking for does not live here. They insist on calling, at least 4-5 times per day even though the number is on the " Do Not Call '' registry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My lender is Ocwen Loan Servicing , LLC . In late XXXX 2015 I mailed a Qualified Written Request. In that QWR I asked XXXX specifc questions. I received a letter dated XXXX XXXX, 2015 from Ocwen ; neither of my questions were answered. On XXXX XXXX, 2015 I mailed another QWR via cerified mail. Then on XXXX XXXX, 2015 I XXXX again mailed another letter to Ocwen stating that they are in violation of RESPA, and warning them that I intended to file a complaint with the CFPB if the matter was n't resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 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:
Over the past 6 months, I have received nearly daily calls from Portfolio Recovery Associates, based in Virginia to collect various debts from " XXXX XXXX ''. In every instance, the call starts with a demand for payment without mentioning who the debt is owed to and only when I seek confirmation do they demand that I share my social security number. I have refused and asked them to provide the last XXXX digits of the debtor. In all cases, it is not my social security number. In fact, in most cases, it is different social security numbers ( not the same XXXX ). They will not share how my home phone number became attached to the debts of different XXXX XXXX or why they can not remove me from their calling list. The agents are quite persistent, unpleasant and unwilling to stop calling. I am writing because I am not a push over, but some more compliant people will be pressured to make payments on debts they do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 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: FL

Complaint narrative:
Portfolio Recovery Associates bought a debt from XXXX XXXX XXXX. They have called my work number and stated that a person was at my home and I had better have a payment for them or they were going to garnish my wages. They continue calling all of my telephones, which is a {$1500.00} fine per call in the State of Florida. They are also trying to collect on credit card debt that is over 5 years old. I 'm about to contact an attorney to stop their harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I returned XXXX items after being approved by the Limited card, I returned the items and was owed a refund of {$120.00}, but the Limited went bankrupt and now Comenity Bank still wants me to pay and I dont have the merchandise as I returned it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Service International Corp
State: WI

Complaint narrative:
I found out i am being sued in small claims so i call there lawyer to find out about it and he some how has to have the one colling the debt call me back so tells me he is just filling claims in hope of a default

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 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: IL

Complaint narrative:
These people continue to call me on a debt that I do n't think is mine. I do not believe that it is identity theft, I just believe that they put the wrong name on the wrong debt. They refuse to work with me on this. They say the only way it can not be mine is that if it was identity theft. I sent them a letter telling them that the information on the debt does not match up with mine except for the name. They tell me XXXX different times that they will send me a dispute packet without actually sending me a dispute packet. This last lady that called me, just like the XXXX other times before, called me like I had never disputed it until I say something. She was the rudest person that I have ever talked to about this issue. She blamed me and the post office for not receiving the dispute papers. Then I said that if I say I would pay it you would probably react a lot quicker. That is when she tried to convince me to give her my bank account information over the phone after negotiating a payment plan. When I said I am not going to give her my information over the phone she got real defensive and said " You know we will have the same information on a check, right '' like I was stupid. She then said that she was going to put down that I was no longer disputing but going to pay it and that is not what I said at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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: CA

Complaint narrative:
Portfolio Recovery Associates , LLC is a debt collection agency that has violated the Fair Debt Collections Act by adding a negative account with the Credit Bureau on my credit, which I have not given permission or signed a contract with, nor do I know who they are and is affecting my credit score, preventing me from moving forward with my life. I have contacted their company and they refuse to help me. I have requested the contract that I allegedly signed with them and they can not provide it ( because there is not XXXX ). I demand that this situation be investigated for fraud and trespassing and have them removed from my credit account with the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They call frequently my workplace and my cell phone multiple times a week. The debts they own are beyond the statute of limitations. They also frequently send letters. Account is not reported on credit report it is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Receive robocalls asking for someone else from The Thomas Agency. The call does not provide a means to notify The Thomas Agency that the mobile number they are calling no longer belongs to whom them are calling. I have called The Thomas Agency several times to inform them of the unwanted calls, and educate them that mobile numbers are often reassigned to other people, as in my case. The Thomas Agency either does not have the technical means to address this issue, or they simply do not feel they have a responsibility to stop harassing people who are not a party to a debt collection situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
There is a company listing I owe on a medical debt which I do not. I have XXXX insurance policy 's that cover 100 % this information is inaccurate and false. Please help as I have been trying to fight this

Company response to consumer: Closed
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I have been attempting to use the hardship program with community bankXXXX credit card, since XX/XX/2016. I keep getting the run around and feel taken advantage of and disrespected. The company continually gives me false information or lies to me. I have called time and time again and they are not doing anything to assist me in resolving my problem. They just keep trying to get me off the phone and to wait longer. What is the problem? There needs to be regulation. My request is that I was told that I was supposed to have a hardship back date to XX/XX/XXXX, XXXX/XXXX/XXXX/XXXX/XXXX Late Fees need to be removed after 3 on time payments. I have been making on time payments every month since the auto payments were set up by the representative in XX/XX/2016. I was told that was the only way to be in hardship. I keep seeing that my credit report was showing late it said XXXX 30 days, XXXX 60 days, XXXX 60 days, XXXX 60 days. Finally in XXXX on the XXXX I spoke to XXXX ID XXXX she said XXXX was personally working on my account and would call me back ... She never did.. XXXX ID XXXX same day said the history needs to be back dated to XX/XX/XXXX. She said XXXX already was removed and {$130.00} will be removed in XXXX and {$20.00} more in charges and {$8.00} more in finance fees. She said the XX/XX/XXXX statement would show {$45.00} in late fees removed and {$21.00} in interest removed. They said I had to make 3 on time payments to have the rest removed ... this is their error I have made all on time payments since my account is on auto draft, I do n't know what part of that is hard to understand. XX/XX/XXXX spoke to Aeramis XXXX @ credit report needing corrected, she said she is escalating the issue and may reflect in XXXX or send a letter, Neither of these has happened. XX/XX/XXXX Spoke to XXXX XXXX he said the new statement on XX/XX/XXXX or XXXX will reflect a refund of fees {$130.00} and the other money was from another department so he ca n't see about it, he said the is doing an escalation about my credit report. XX/XX/XXXX called again because new statement does n't reflect any refunds either. XXXX XXXX had a very rude tone on the phone said it wo n't reflect until XXXX. Transferred to XXXX who again said XXXX her number is XXXX. I asked her about the escalation that XXXX said he was doing on XX/XX/XXXX she said did he transfer you to a supervisor? I said no she said then no escalation was done. She said she does n't see any records of any escalations. I asked her why people there keep lying to me? Why does n't anyone care? I do n't understand how this company is being allowed to do this or scam people. I should n't be treated like this as a consumer. What can be done to stop this??????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: OR

Complaint narrative:
I had a payday loan due date on XXXX of {$330.00}. Came to the office to pay cash, they did not take payment because they said they already got at XXXX money from the bank from my debit card. I went to the bank to deposit {$330.00} and in the bank they told me that charge was {$250.00}. I called Rapid Cash and they said it was a charge of {$20.00} because they tried to withdraw money twice that day

Company response to consumer: Closed
Consumer complaint received 2017-03-11 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I ordered a phone from XXXX on XX/XX/2016. The phone was financed through XXXX finance company COMENITY BANK. 
The phone never arrived. XXXX was the shipper. They declared it a total loss. Fully insured by shipper, XXXX was paid IN FULL. My order was cancelled for a phone. I have been called by COMENITY BANK for payment on this phone & shipping Charges. I have explained this to them on every call. I have called XXXX about this. I have an email from XXXX assuring me a credit has been issued. Still COMENITY BANK calls for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
When we mail our mortgage payment on time for due date it is processed in a timely matter in 3 days. When it is after the XXXX of month and near late date of XXXX it is not processed in a timely matter, but we are told it did not arrive by XXXX and then charged an {$80.00} late fee. The lender is Caliber Home Loans XXXX XXXX XXXX XXXX TX XXXX. If this is a common practice it should be looked into and a possible class action suit brought for this practice of holding payments by check.

Company response to consumer: Closed with explanation