vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-05 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: FL

Complaint narrative:
Portfolio recovery constantly harasses me about some debt or another that i do not owe. I have pulled my credit file from all XXXX major credit companies and took care of XXXX issue that had shown up. It was by XXXX XXXX XXXX. I contacted XXXX about the debt and they said there was no debt on my account or I would not have a cell phone with them. I then file a complaint with all XXXX companies and asked that they take this off of my file. This was done I think over a year ago. All XXXX companies took this XXXX XXXX XXXX fictitious debt off of my credit score. 

I have told Portfolio recovery to quit calling me as per the government web site and advise from my Attorney and they still call and try to intimidate me by threatening me. I have no debt yet about every 3-4 months they pull a soft credit to see if they can get money out of me that I do not owe. I can see that this company has had many complaints and I am not sure why the Federal Government has not shut them down. 

I show no delinquent debts on my credit score. Any issues I may have had are more than 10 years old and had been paid off. 

The phone number used this time was XXXX. I am aware that they have over XXXX phone numbers that they use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 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: FL

Complaint narrative:
The Complaint that I have is with PORTFOLIO RECOVERY ASSOCIATES. Over the last 4 months I have requested validation on multiple occasions for several debts that are listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with PORTFOLIO RECOVERY ASSOCIATES. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have disputed this with Toyota Motor saying account XXXX is a fraudulent account. I was told to fill out a fraudulent package and send it back to them. I did that also. I call around XXXX XXXX 2016 and spoke to XXXX in the Fraud department. He told me that they investigated the information back in XXXX and they found that the item was not fraud. I told him how did they investigated the information back in XXXX and I just turned in all my information showing that my identify was stolen at the mid of XXXX 2016. They refuse to do their due diligence in investigating my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JAMES B. NUTTER & COMPANY
State: NC

Complaint narrative:
I have a FHA residential mortgage for my primary residence. The mortgage loan originatorwas not licensed as a loan originator in North Carolina. The residential mortgage lenderXXXX XXXX XXXX & XXXX signed a multi-state enforcement agreement with XXXX Commissioner of Bank on XX/XX/XXXX. My FHA loan was originated on or aboutXXXX XXXX, XXXX. I have filed a Complaint with the XXXX Commissioner of Banksregarding XXXX XXXX XXXX XXXX XXXX continued pattern of noncompliance violatingstatutory and regulatory laws. ( N.C. General Statutes, XXXX. Mtg. Licensing Req., HUD regualtions and CFPB regulations. Pursuant to FHA HAMP programs procedures, I request that my mortgage loan account be Escalated accordance to HAMP procedureduring the loss mitigation process. On or about XX/XX/XXXX, I submitted a appeal forEscalated Case review. On XX/XX/XXXX, I faxed a complaint to HUD XXXX about XXXX XXXX XXXX XXXX XXXX failure to Escalate my appeal according toEscalation procedures. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX thatmy file was closed, On XX/XX/XXXX, I submitted a Complaint to North Carolina BankingCommission regarding XXXX XXXX XXXX & XXXX. On XXXX XXXX, I responded to XXXX XXXX. 
XXXX letter dated XX/XX/XXXX. Additionally, I have made Qualified Written Request under RESPA and have yet to receive the name and address of the investor /guarantor and Pool ID and other relevant contact information about the owner of my loan this QWRwas submitted via email on XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX & XXXXacknowledged receipt of my QWR. On or about XX/XX/XXXX, XXXX XXXX XXXX initiatedforeclosure process during my request to have my appeal Escalated for Case resolution. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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: VA

Complaint narrative:
Portfolio Recovery Associates , LLC ( PRA, LLC ) sent my household a collection notice under a name that is not mine. In addition, PRA, LLC is attempting to collect on a time-barred debt over 14 years old.

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

Complaint narrative:
-Recently, I noticed a decline in my credit score because of a derogatory account from a collection company called PORTFOLIO Recovery Associates XXXX 
-After investigation, I found that Portfolio RA bought a false debt from XXXX bank without verifying the authenticity of that debt. 
- In order to extort me to pay this false debt, Portfolio ruined my good credit history by sending invalid claims to the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 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: NH

Complaint narrative:
this has been ongoing for several years now. I have reported this company before. They call my house starting at XXXX and continuing till XXXX or later. They have been told by me that the person they are looking for does not live here. 
Company name is Portfolio Recovery. They call from many different numbers. Last 0ne was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery Associates continue to contact me every time they see a number change on my records. I am contuing to receive letters from Portfolio Recovery Associates to make a payment along with the letter it ays Due to the age of this debt, we will not sue you for it or report payment or non -payment of it to credit bureau. 
I was threaten by an associate name XXXX that she will go into my bank account. Portfolio Continue to harass me so much in calls til I started getting chest pains and shortness of breath. Portfolio Associates will yell at you constantly agrue with you and if you hang up the phone they will continue to call you back by phone. I ask them not to contact me they continue to do so my number has been change I applied for credit XXXX 2016 I did not give my number to portfolio Recovery the associates lie about when they purchase the collection. Portfolio Recovery has been harassing me for over 8 years Portfoli Recovery contacted harasssng me as of now. Porfolio Reovery is not listed on my credit reports But I am still receiving data that Portfolio Recovery is still acquiring to all my credit report bureaus, after being deleted from all XXXX credit reports and still demanding payments from me. I sent a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is contacting my family members when I never submitted their contact details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I would need your help disputing some charges on my Amex card made by XXXX. XXXX was the first company that I paid. They recommended XXXX to me to help me find drop shippers. XXXX promised me a great selection of XXXX. I found out after signing up with XXXX that a lot of the XXXX they identify charge for their services. I was very disappointed in the selection of XXXX and the additional costs involved. I received about XXXX coaching sessions from XXXX ( XXXX was my coach ) on how to access the site and maneuver around the site. After that I could barely get in touch with someone at their office. I believe they took advantage of me. They sold me additional business that I did not need it. These companies prey on the elderly and they overcharged for services that I could 've paid a couple of XXXX dollars ( price gouging ) and they did not provide the services that I was led to believe that I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
The U.S. Department of Education issued XXXX XXXX a XXXX-Total, Permanent XXXX- which clearly means that I do not have to pay back my student loans. I was served XXXX XXXX, with a Civil Suit by XXXX XXXX XXXX XXXX XXXX XXXX. I have sent them copy of my XXXX several times in XXXX. I have filed a response with the XXXX of XXXX XXXX of XXXX County Pennsylvania. I asked the court to dismiss and cease this civil case. We did file bankruptcy in XXXX. The statute of limitation in PA is four years. There were no payment made on these loans since XXXX. President Obama signed an executive order last XXXX XXXX to expedite these XXXX proceedings to stop these collecting activities for XXXX students. My main concern is how does XXXX XXXX think they can interpret federal law to their collection procedures of student loans? XXXX XXXX, and XXXX have issued me notices that the loans are forgiven. My compliant is clearly this : XXXX XXXX needs to adhere to federal laws pertaining to credit and collections practices as set forth by the United States Congress in regards to student college loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to your agency in hopes you can help me with this dispute. I am very upset with my credit card company, American Express and the way they handled my claim. I called them on XX/XX/XXXX and they did n't even give me the chance to explain and said that was nothing they could do. I filed a dispute with Amex through you ( CFPB ) and American Express sent me a letter now in response saying that they are unable to refund my account stating that the charge is too old to dispute. I did some research that I could still dispute my charges using the claims and defenses, that I have up to one year from the date of the statement. Which I did. I believe I am within my rights and I appreciate if my credit card company would take a look on my side instead of telling me to take a hike without even opening a case. The charge that I am trying to dispute is {$4000.00} and the company did not deliver the services as promised. And I could barely get in touch with anyone from there, and finally when I complained and asked for my refund they completely ignored my calls. I believe they took advantage of me they prey on the elderly and I believe I am on my rights. And American Express is not even giving me a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Funding LLC has sued me in Louisiana Civil Court, and has violated several of the CFPB Consent Order stipulations : 1 ) They have initiated a lawsuit with a failure to provide Original Account Level Documentation reflecting purchase, payment, or other actual use of the account by the consumer. 

2 ) They have failed to provide a document signed by the consumer evidencing the opening of the account forming the basis of debt and original amount. 

3 ) They have provided a Bill of Sale that fails to reference the particular debt being collected upon. 

4 ) They have presented to a court an affidavit in which an affiant represents having personal knowledge of validity of debt when that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a certified letter to Equifax disputed several account that they were reporting.This letter was received by them on XX/XX/XXXX. I recently received their response, in their response that state that this is an Re-investigation, however, That is incorrect because this is an initial investigation. The accounts in question are XXXX XXXX XXXX # 's XXXX and XXXX. XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX and World Finance account number XXXX. 
Equifax was informed that these accounts are not mine, and asked to submit proof of the verification they have supporting their reporting, which they did not. I have personally requested that These agencies send me verification and they have not, so how is Equfiax verifying these accounts without verification? The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Funding LLC has garnished {$1000.00} from my midland bank account, and they claim that it was court ordered and i did not received any legal documents that state so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
Transworld Systems Inc continues to call the above number, 1x to 2x a day after I communicated to them that there is no one at this number by XXXX XXXX ( spelling?? ). They continued to call daily for 2 weeks after I communicated this to them. I spoke with a XXXX XXXX at Transworld today XX/XX/2017 and again answered the same question that there is no one here by the name they are asking for and to stop calling this number. I work nights so the continued phone calls are most disturbing and a form of harrasment in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In 2001, I enrolled in XXXX in XXXX, Colorado ( later moved to XXXX, Colorado ) for the XXXX program with XXXX servicing my loan. As you may or may not be aware, XXXX is now closed due to an investigation into fraudulent practices. When it came time to repay my loan with XXXX, I did so as directed. In doing so, I noticed many times that no matter when I made the payment, the next statement would show up showing I owed late fees. I attempted to pay early so that I would n't accrue late fees and still they would show up on the following months statement. Phone calls to XXXX were not helpful, if responsive at all. 
Later, the national recession hit and I got well behind on my loan. So much so that I had a garnishment put on my wages. XXXX, through Pioneer Credit Recovery, started me on what they called a rehabilitation program in order to bring my loans current. I finished the program and believed that my loan was current and that, as ( now ) Navient explained in their correspondence, all negative effects would be removed from my credit. However, apparently the rehabilitation program only affected my Federal loans and did not rehabilitate the past due private loans. These private loans still show as delinquent on my credit report. Navient made no attempt to inform me that the rehabilitation would n't repair my entire account. 
Each month, I pay {$150.00} through automatic payment to Navient. Yet with them still showing that loans are delinquent, my balance never goes down and my credit is in major disrepair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
I once again find myself filing a complaint against Seterus. I am in the process of refinancing and requested a verfication of mortgage on XX/XX/2017. I was told by the agent that it would be sent to XXXX in 3-5 days. I called on XX/XX/2017 and was advised by a differant agent that they were short staffed and it would be sent out no later than XX/XX/2017. It was not sent and I spoke to yet another agent at Seterus who told me it was 5-7 days and with Monday XX/XX/2017 being a holiday the information would be sent on XX/XX/2017 at the EARLIEST. This has delayed my closing as this was the final document that I needed to close. Seterus is deliberately delaying this process that has caused my rate to climb from 3.75 % to and unknown figure well above 4 %. I do n't know how many complaints you must receive before anyone in the government takes action against Seterus. I will seek my remedy through my Congressman and the Virginia Attorney General 's Office and consult with an attorney on my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I travel to XXXX with my American Express thinking that this card will not charge me with additional fees. To my surprise when I saw my statement AMEX was changing me 2.7 % for every transaction that I made in XXXX. I have used this card in the past with no trouble before and I was never informed of this new fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Back in 2003 I, XXXX XXXX XXXX, was the victim of Identity Theft. I filed a police report. I learned that ASSET ACCEPTANCE , LLC bought a debt from XXXX, and placed a lien on property. 

I ask that you help me get the judgment lien released. Its XXXX XXXX XXXX number XXXX, judgement lien number XXXX. I read on the FTC 's site about a lawsuit invovling Asset Acceptance, but have not been able to get a meaningful response from Asset Acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Robocalls from " Transworld Systems Incorporated '', asking me to call XXXX for XXXX XXXX. It 's a phone answering service, nobody ever picks up, and I ca n't get any information on whom they are trying to contact or what the debt might be. And they keep calling multiple times a day. 
I 'm pretty sure I do n't have any outstanding debts - but these idiots keep calling, and not responding to messages left on their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Can not contact American Express, they do not answer phones. Prior to today whenever I contacted them they gave me wrong information. Supervisor informed me that they finally got it right bit they did n't. They could not give me information on my automatic payments notwithstanding that I have been on automatic payments for years. What is happening to Am Exp? /

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX and XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( {$900.00} and {$710.00} ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.

Company response to consumer: Closed with explanation