vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-02 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: GA

Complaint narrative:
Portfolio Recovery keeps calling me over and over. I have asked them to stop calling I have no unpaid debts. XXXX is the number they call from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 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: PA

Complaint narrative:
Portfolio Recovery Assets is trying to collect on a XXXX debt. I did have a XXXX account at XXXX time, however, the amount owed does not match what was owed, at all. I have told them this repeatedly. First, I did not get notice that they took over the debt when they did so, so I could not ask for Validation within the first XXXX days. Secondly, I have asked for validation for XXXX years now, and they only send me an electronic file with general information. I have specifically asked for the account history so that I may try and recognize this account is mine, and if so, that the dollar amounts are correct. I say this because my original credit limit with XXXX was only XXXX. The last balance owed was not near this amount at all, maybe XXXX. I have asked PRA to provide some kind of original documentation that CLEARLY states this is my account, i.e. transactions, and how the XXXX dollar amount was come up with. They have not done this. 

I called them again last week, and was told that the last certified letter I sent was sent to the wrong address, I sent it to XXXX XXXX XXXX, and the PRA employee stated it needed to go to XXXX XXXX XXXX. She told me I had to send in a new letter to the XXXX XXXX address. However, I sent it to the exact address in my credit report, and someone from PRA did sign for the letter as I have the receipt. I told her this, and all she could say was, " its a new year, send in a new letter ''. I feel this company is doing everything possible to avoid providing the proof I requested, by all these stall tactics. I want to get this resolved, and am not getting anywhere with them. I feel that if they are demanding this amount of money and from me that they need to prove ownership without a doubt since there is an issue with the dollar amounts. There is also something on XXXX of my credit reports starting in paid {$100.00} on this account XXXX 2013 and XXXX 2013, which I did no such thing. Can you help me get the information I need, or can you help me get them to delete this from my credit reports if they truly can not prove it is my debt/ and or the accuracy of the amounts owed? Note : I have tried to dispute this through all XXXX credit reporting agencies and got nowhere.

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

Complaint narrative:
Continues to attempt to collect Zombie debt after the statute of limitations in the state of California. I submitted a formal request asking this debt be removed from my credit report and they did not respond nor did they remove it from my Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: First Capital Recovery Inc.
State: AL

Complaint narrative:
Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX

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 2017-02-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Auto Loan fraudulently opened at XXXX XXXX XXXX in XXXX, Fl. for the financing of a XXXX 2011 vehicle with Flagship Credit Acceptance. The finance company ( 7 months ) ( Flagship Credit Acceptance ) did not and does not have the proper documents- title, etc to provide to DMV in order to grant a permanent registration/tag for the vehicle. However they were still taking payments of XXXX per month for 3 months and are reporting the loan as open and late with missed payments on my credit report. Per court order the Department of Motor Vehicles issued the title in my name and the title specifically states 1st lienholder =none. The title is not electronic- it is paper.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
Approximately three years ago I submitted a complaint against First Niagara Bank about multiple overdraft fees that resulted in a negative balance. I refused to pay it and the account was closed.Yesterday I received a check in the mail from them stating I am due {$140.00} returned to me. However because my account was negative at the time of closing they deducted that amount and the check was for {$24.00}. Essentially they took back the fees they were ordered to return, as my account would not have been negative had they not charged me the fees that should never have been charged in the first place.. I have tried contacting them to no avail. In fact the phone number they included with the check is not viable, gives options for ridiculous questions, and they tells you to hang up. This issue has caused me a lot of grief with trying to open new bank accounts and for them to try to keep my fees in this manner after being ordered to return them is especially egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 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: MI

Complaint narrative:
I was told this collection account can and would be removed and it was not -- -delete it. 
Violations -- -XXXX XXXX -Does not show XXXX balance. Does not show paid. XXXX 2015 and XXXX 2015 monthly reporting indicators state " failed to pay '' -- -delete it. 
XXXX -- -States date assigned XXXX 2015. -- -delete it. States open -- -delete it. Payment status states late 120 days -- -delete it. Type of loan states XXXX XXXX -- -delete it. States delinquency XXXX reported XXXX 2015. -- -DELETE it. 
XXXX -- -States XXXX failed to pay /late '' in XXXX 2015. 
Please advise the above XXXX + violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Continue to get harassing calls constantly which has escalated to now indicating a lawsuit has been filed against us and our home. Written notice was sent to cease and desist but call continue. 

Now my minor children ages XXXX and XXXX are receiving calls on their cell phones with the same message indicating a lawsuit has been filed against us. 

No verification of debt notice has been sent to provide opportunity to dispute any and all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 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: NJ

Complaint narrative:
Portfolio Recovery Associates filed a judgment against me for a debt that I did owe. I sent them a cashier 's check which they cashed on XX/XX/XXXX. I received a letter that my balance is 0. I have spoken to them on the phone numerous times with them stating my balance is 0. Now XXXX months later, they still have not processed my warrant of satisfaction. I have called the court to confirm that they have not received this paperwork. So I have a judgment on my credit report and with the court that I no longer owe. I have called them on 4 separate occasions to have this cleared up only to be told that I can call back. I am sorry but I should not have to keep hounding them to finish this up. I paid the debt, I no longer owe it so the warrant of satisfaction should have been filed a long time ago. This is the second time that I have had to file a complaint against this company. I do not trust them at all!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01 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 has been told this debt is way beyond the collection time for the State of Michigan. They have been told both in written form and verbal form that this debt is beyond the 6 year statute of limitations set by the state. Yet they continue to call daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 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: NY

Complaint narrative:
I made a payment and satisfied a credit card debt in XXXX of 2015. I Never received a letter stating that it was paid. I just realized it is still showing up on my credit report as not paid so I called them and asked them if they could send a letter out that I paid it. They acknowledged that I did pay it but refuse to send a letter. They said that all their letters are approved by their legal counsel and they 're not allowed to send letters stating the debt was paid on a certain date. They only sent a letter stating that I do not owe anything but it has the date the letter was sent not when I actually paid it. So if I send this to the credit bureaus they would think I just paid it when in fact I paid it almost a year ago. This will prevent the account from dropping off my credit report for an extra 11 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I do not recall ever having an account like this. Sent a request by mail to please provide evidence and nothing has been receive. Please help The account in question is through Portfolio Recovery Asso # XXXX showing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 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: CA

Complaint narrative:
The credit card account was closed. Then I received a phone call from XXXX claiming that I made airline purchases using that account. I informed XXXX that there was fraud on that account because I did not make any of those purchases. They then had me fill out fraud forms which I returned to them. I was told by them that the issue would be resolved. A few years later I received a collections letter from Portfolio Recovery Associates stating that I owe {$1400.00} from the XXXX account. I explained to them that there was fraud on that account and that I did not owe them. Portfolio Recovery dismissed my statements and said I would have to pay that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Lexus financial is taking 2 payments per month out without my authorization because of an accounting error on their end. additionally they have cost me overdraft fees and they refuse to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfollio recovery continues to call me after I have asked them to only contact me through mail. I do not want to be contacted by phone and they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery is attempting to collect a supposed debt from me while refusing to provide me with proper verification of said debt. All the while damaging the credit score that I 've been working so hard to repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 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:
I paid this account to portfolio recovery from XXXX it was a settlement that we made, so by me making that payment it was going to be deleted and not to be on my credit reports.i been disputing it for over a year and still damaging my credit.and also XXXX goes and also reports the same account as ... a charge off they XXXX sold the account to portfolio recovery and again I been disputing it over a year.also my last payment was in XXXX 2008 and do n't understand why XXXX still reporting it.. I need some help on this..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Go Capital Holdings, LLC
State: LA

Complaint narrative:
My XXXX i-35 infinite vehicle was wrecked back in XXXX XXXX. The owner that hit my vehicle his insurance company paid off my vehicle in XXXX XXXX. It was total paid off to the " Go Financial '' company. My name should have been submitted so that my credit score could improve. XXXX XXXX ***********

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I already submitted a complaint against ATG on XXXX XXXX, # XXXX. ATG collection received debt that I owe. I contacted a credit consolidation service ( XXXX XXXX XXXX ) to negotiate with ATG for this debt. They are in the process of doing so. ATG keeps calling my work phone and sending me letters after XXXX XXXX XXXX sent them a cease and desist letter. Again, they called my work phone # on XXXX XXXX, 2015 at XXXX. This harassment has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Progressive Financial Services, Inc.
State: MA

Complaint narrative:
Calls without identifying who they are. Threatens legal action. have told to cease and desist all contact and the still call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company
State: MT

Complaint narrative:
For the past 6 years we have had an active mortgage loan with Guild mortgage. We had set up agreements with them regarding making monthly payments and another 1/2 a payment. They continue to state that they did not set this agreement now that it has come to our attention due to putting the house up for sale that they were not indeed applying this money but taking the payment and keeping the other 1/2 a payment in an undisclosed account. This year with graduation as a XXXX we elected to just go back to making monthly payments well we did not relize that over time each payment was slightly short a few dolars or cents. Instead of notifying us of this even though we were calling and physically talking to an employee working at Guild that was giving us the amount to pay they would just put the money in an " undisclosed account '' and repeatedly reported us to the credit bureau. When it came time for the final payoff as we are in the process of selling I received a payoff statement with all this reported late charges etc. No phone call nothing and we then received our credit report. I become XXXX when I saw what had been repeatedly reported as being late of payments. I called to discuss this matter and have continued to get the run around. I have received letters stating they would perform a correction with the noted credit reporting which has not happened. We are now being denied for a home loan because of what they have done to our credit. In 6 years I have paid every dollar and have worked for every XXXX. I feel as though they are destroying my life literally and when I tried to explain the current situation the loan individual literally laughed. I feel trapped and they stated they are in control which is more than clear at this point. I want the reported mistakes acutally taken off so I can more on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: Comerica
State: IA

Complaint narrative:
I have had a Direct Express Debit Card for several years. I get my SSI electronically transferred to this card on the XXXX of each month and my XXXX transferred to this card on the XXXX of each month. On XXXX/XXXX/2016 my first card expired. Before my first card expired, I was sent a " Dummy '' replacement card from Direct Express. When I tried to activate the new " Dummy '' card about XXXX on XXXX/XXXX/2016, I was told by a Direct Express Representative that she could n't activate the card and it must be a " glitch '' in their system. She said she would send me a replacement card without charge and it would take 5-7 business days, but if I wanted my Direct Express Debit Card in two days there would be a Express Shipping Charge of {$15.00}. She went on to say that once I received the card I should n't have a problem getting a credit for the {$15.00} Express Shipping Charge since the first replacement card that was sent to me could n't be activated. On XXXX/XXXX/2016 I called Direct Express Credit Card Services to check the status of my replacement. I was told that a request for a replacement debit card had not been submitted. A man told me he would submit a request for a replacement card for me, but there is a {$15.00} charge for Express Shipping. By this time my SSI was two days late, the reason was that I had received a " Dummy '' Direct Express Debit Card that could not be activated in their system. After speaking to a Direct Express Representative the second time, I called within two hours and my second replacement card was in the process of being shipped. Direct Express took {$15.00} from my account to pay for the shipping of my second card. I was and am still angry that I had to pay a shipping charge. I have spoke to many Direct Express Representatives and am told that the charge of {$15.00} Express Shipping was a valid charge to my card. I should not have been sent a " Dummy '' Direct Express Debit Card that could n't be activated because of a " glitch '' in their system. I should n't have had to pay for shipping at all. The " glitch '' was their problem. I had to wait at least until XXXX/XXXX/2016 to receive my SSI/XXXX Benefits because of Direct Express Debit Card Services " GLITCH. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: IL

Complaint narrative:
I have XXXX collections from Pinnacle Credit services on all XXXX credit agencies. 

I have attempted since XXXX to get proof from Pinnacle that the debt is mine. 

They will not communicate with me but they keep validating it with the Credit Agencies. 

I have a perfect credit report but this is affecting me and my ability to grow my biz. 

Please help. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Comerica
State: FL

Complaint narrative:
My original mortgage was taken out in XX/XX/XXXX, and my former financial advisor " XXXX XXXX XXXX '' refinanced it XX/XX/XXXX in his home town of XXXX & proceeded to do XXXX refinance ) my mortgage 6-7 more times by using the " MERS '' system & " HECM '' I have been a resident XXXX since XX/XX/XXXX.He took my condo out of homestead status & lited it as an investment loan/property by forging my name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: OH

Complaint narrative:
I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 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. Nor have they supplied anything other than a statement on XXXX of the collections. 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 non-monetary relief
Consumer complaint received 2015-06-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Comerica
State: CA

Complaint narrative:
I receive my social security pension funds through Direct Express debitcard. They deactivated my card about the XXXX of XXXX. They said thatthere was suspicious activity, however, I can not see anything suspicious on myon my XXXX statement. I have contacted them numerous times and havecomplied with their requests for proof of identification. After severaltries, they now say that they have not received my last fax. I haveconfirmation that have received my fax. 
andnow I must start over with new faxes

Company response to consumer: Closed with explanation