vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: GA

Complaint narrative:
The VW company does not provide a set date for payment. They change the date monthly on due date. I thought my payment was due on the XXXX of each month. I paid it 29 days late I thought so it would not affect my credit. I was told later, oh it was XX/XX/XXXX. 
this is not something people have time to do check monthly payment dates. 
they dinked my credit, even though they didnt have to. they do this in order to jack up the rate per month on your credit and to stop you from buying a car, making it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 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: NV

Complaint narrative:
Through several rounds of correspondence ( beginning XX/XX/XXXX and ending XX/XX/XXXX ) with Portfolio Recovery Associates , LLC ( a debt collector ), I have insisted on the verification of a debt they are trying to collect. Despite the Fair Debt Collection Practices Act ( specifically 15 U.S.C. 1692g ) giving me the rights to 1 ) the names *and addresses* of original/current creditors and 2 ) *a copy of the verification or judgment against me by the original creditor*, Portfolio Recovery Associates , LLC has failed to properly validate this debt. As such, Portfolio Recovery Associates , LLC is breaking the law. 

In addition, Portfolio Recovery Associates , LLC lists the date they purchased this account as XX/XX/XXXX. In my last correspondence, on XX/XX/XXXX, I requested a full payment history since they have purchased the account ( which, on each of their identical form letters, they invite me to request - but did not provide in their last correspondence on XX/XX/XXXX in response to my request ). According to the statute of limitations on debt collection in Nevada ( where I live ), the maximum time a debt collector has to collect a debt is XXXX years, depending on the type of debt ( NRS 11.190 ). Even if the debt were mine ( which I am not admitting to, as it has not been properly validated ), Portfolio Recovery Associates , LLC is deliberately refusing to allow me to prove that the statute of limitation on debt collection has been passed on this account - and that by attempting to collect it, they are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: AZ

Complaint narrative:
After having XXXX removed from my XXXX with a doctor flown in from XXXX to XXXX my insurance paid for the procedure. It was a couple of weeks I went back in for a check up, and the local Doctor saw a XXXX on my forehead, he froze it and could n't make up his mind which XXXX it was. He tried to say it was the same one " XXXX '' but it was not. I later get a bill from him which my insurance refused to pay. He is a quack and tried to charge me for something that was untrue. I refuse to pay for a bogus charge.

Company response to consumer: Closed
Consumer complaint received 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates is reporting a credit card account purchased from XXXX to the credit reporting agencies with a balance of {$5400.00} although this account was settled in full with a XXXX balance on XXXX/XXXX/XXXX. I have disputed this multiple times with this collector/debt buyer ( please see the attached letters and documentation provided with those letters ) and have even attached the Satisfaction of Judgment provided by the court, however, Portfolio continues to report this balance to both XXXX and XXXX. The fact that they report a XXXX balance to XXXX confirms that at least part of their records correctly reflect this settlement but obviously their records are still badly in error. 

I initially disputed this error with XXXX, XXXX and XXXX on XXXX/XXXX/XXXX. Since the account came back verified, I disputed directly with Portfolio on XXXX/XXXX/XXXX with a Validation demand under the FDCPA and FCRA, which, again received no response. I sent a XXXX validation demand on XXXX/XXXX/XXXX under the FDCPA, FCRA and FCBA and finally a third letter on XXXX/XXXX/XXXX directly to Portfolio, disputing under the FCRA, again with no response. 

Portfolio continues to ignore my legitimate requests under federal law and knowingly and arrogantly reports erroneous information to my credit report in violation of the FCRA. Further, per the FTC, the very act of reporting an account by a collector to a consumer reporting agency is a collection activity ( FTC-Cass Staff Opinion Letter, XXXX XXXX, XXXX, " ... we believe that reporting a charged-off debt to a consumer reporting agency ... constitutes " collection activity '' on the part of the collector ... '' ). This, to my understanding represents a violation of the FDCPA by continuing to collect on an account that has been legally paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have tried to resolve this issue with PRA directly to no avail. I am frustrated by their lack of service. There are several inaccuracies being reported by Portfolio Recovery Associates ( PRA ) to all XXXX credit reporting agencies ( CRA ). I have contacted PRA via email and by phone several times to discuss the incorrect reporting and have not been able to have them respond as to why the information is incorrect. See attached initial email, contact timeline and supporting documentation from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
Since PRA was unable to assist with an explanation, I contacted XXXX of the CRAs and XXXX, in an effort to determine why the inaccuracies were appearing on my credit report. I explained to both what I was seeing and XXXX stated that I should work with the entity reporting to the CRA, ( PRA ) since neither of them may change PRA 's reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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: TX

Complaint narrative:
I have asked this company to remove my number from its database several times. The person they are calling does not live here nor do we know her. I 've had this number for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PR

Complaint narrative:
I CA N'T PAY THE DEBT BECAUSE I WAS UNEMPLOYED AND COULD NOT PAY THE DEBT WITH MY UNEMPLOYMENT BENEFITS. I WAS NOT PAID BY TOYOTA MOTOR CORPORATION ( THEY/THEM ) THE RECALL MONIES EITHER AS I WAS TOLD THE CLASSACTION LETTER THAT THEY SENT ME AFTER I CALLED AND WROTE TO THEM.

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 was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company continues to report and attempt to collect on a debt that I paid in full over a year ago. The original creditor was XXXX and they are no longer attempting to collect, because I paid the debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PR

Complaint narrative:
TOYOTA FINANCIAL IS REQUESTING PAYMENTS THROUGH EXEMPT FUNDS OF UNEMPLOYMENT INSURANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 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: TX

Complaint narrative:
Portfolio Recovery is still hounding me about a XXXX XXXX REward Zone MasterCard account. The account was mine, HOWEVER, I had full coverage of payment protection plan for that account and completed the application for total dismissal of the entire debt due to illness and XXXX. I carried that insurnace on all of my credit cards, XXXX of which were XXXX at the time. I was working, contracted XXXX, became too ill to work and was put on total XXXX. I was found to be XXXX by the social security administration besides my XXXX doctors and you do n't get that unless you are nearly on your death bed, which I was. XXXX should have never sold my accounts as collections. They had all the information through the insurance company. This was from XX/XX/XXXX to XX/XX/XXXX even into XX/XX/XXXX by the time i took the year long XXXX. Although cured, I remain XXXX. XXXX and their insurance company kept losing my information, had my accounts a mess and none of the accounts should have ever gone into collection. I have suffered a great deal over all of this. I have told this to Portfolio Recovery numerous times over the past years. They could look at a statement of mine and see that I paid for the payment protection plan every month. They are now showing a balance of {$1500.00} on my credit report AGAIN. This has caused a great drop in my credit score. I am not denying the account I am disputing any balance whatsoever. Due to being a victim of XXXX presidentially declared disasters in XX/XX/XXXX, XXXX and XXXX ( FEMA disasters ) XXXX XXXX and XXXX XXXX from the floods in Texas, I have lost my home and any paperwork and documentation. My home is still unihabitable and there is no way to prove any of this as it is so old anyway. Portfolio Recovery already has a classaction lawsuit for their behaviors and I believe the CFPB filed a complaint. I received a postcard to complete in order to join the lawsuit so this type of behavior from them should not be surprising. I want this removed from all credit bureaus and any credit card companies that show credit scores. I will not deal with them on this type of level again and am not opting to join the class action suit so that I may pursue this myself if need be. This has kept me from being able to get a home repair loan so that I can live in my home again. I have lost everything except some clothing and a few odds and ends and my vehicle. Starting over at XXXX years old on very little income and being XXXX where I ca n't do much of the physical work myself is a nightmare. Thank goodness I was able to supplement my income a bit with online income but I am still in the low income bracket. They need to leave me alone, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
To whom it concern ( Toyota Financial Services ), these are all the documents that were received during my XXXX and while I was living overseas since XX/XX/XXXX-XX/XX/XXXX. While I was overseas there was a lawsuit against Toyota because there was no e-filing. I had returned the vehicle two months after purchasing dated XX/XX/XXXX, so XX/XX/XXXX or XX/XX/XXXX I had returned the vehicle. The vehicle was on lease to own terms. The Military XXXX I have provided are the XXXX that broke the lease, Toyota agreed there will be no charge upon release of the vehicle through my XXXX because Toyota supported the Military XXXX. 
A year after purchase Toyota had sent a lawsuit document but I was still living overseas, therefore I had no recollection of what was going on. XXXX had TMCC at the time as their financial company and they had made a mistake. Toyota was making an offering ( a settlement ) in regards to faulty paperwork CASE NO. There was also a recall on my vehicle but I turned the vehicle in two months after purchase. There should not have been any charges or reporting to my credit upon Military XXXX. This has put a financial burden on my life as far as purchasing a home, a vehicle, and this has also negatively ( damaging ) affected my credit for the past 6 years due to false reporting to credit bureaus. I would like the entire account removed from my credit or I will get a lawyer for a settlement for pain and suffering. 
V/R,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 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: CA

Complaint narrative:
Portfolio Recovery bought a XXXX credit card debt of mine from 2009 and for two years calls my business phone line multiple times a day. I consider this harassment. I have answered the phone and asked them to stop calling. PR admits that the debt is XXXX and not enforceable. But their strategy is to keep calling everyday multiple times until I succumb to this harassment on my business line. Can I sue for cease and desist and for damages?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I have a collection account with Portfolio Recovery Associate 's for a credit card I had with XXXX XXXX. I had got a call from the collection company on XXXX XXXX about my account. we had talked for a few minutes and they tried to lower the total cost for me if I would set up a " good faith payment '' is what they called it. they told me they could lower the debt to {$620.00} and I let them know I could do {$100.00} next Friday which would be on XXXX/XXXX/15. They agreed to that. well I checked my mail on XXXX/XXXX/15 to find a letter from them stating per our conversation over the phone on XXXX/XXXX/15 they would automatically withdraw {$690.00}. I was very shocked to find this because I had never agreed to such a thing. I automatically called them to let them know this was not what had been arranged. I had to be transferred from person to person about 7 times, one man told me he would listen to the call and then give me a call back which he did and still insisted I had agreed to this. I requested to speak with the person above him. I was then placed on the phone with the assistant vice president who said she would listen to the call recording and call me back, I got a call hours later stating that they would be returning the money if it did go through. It has gone through my bank and I have already filed with the claims department that this was not authorized and should be resolved but could take days and I have other bills to pay and groceries I need to get. I feel that Portfolio Recovery Associates thought that by sticking to saying I agreed to this amount and transferring me so many times that I would eventually give in and let them keep the money and I would just end up paying all the overdraft fees and overdrawn money back to my bank but they do n't care because they have their money now. the way they handled everything was very unprofessional and I am so unhappy with them. I really was hoping to start making monthly payments to finally pay off this debt, now I have lost trust and faith in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
portfolio associates keeps calling my house several times a day not leaving messages but some how has my phone number ive blocked them and still they get thruit is really getting annoying that they keep callingim on the national do not call list but they keep buying my phone number some how

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I am seeking relief from a cah advance loan Opp loans phone number Opportunity Financial LLC in XXXX the interest rate is 160 % I am trying to work out a reasonable settlement but they will not work with me the website is www.opploan.com I donot have the money to pay them back my entir pay is going towards vash advances

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-22 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: FL

Complaint narrative:
Portfolio Recovery Associates , LLC has sent numerous mailings to me for an alleged credit card debt ( s ). Portfolio Recovery provided the following XXXX ( XXXX ) account numbers for these alleged debts : XXXX and XXXX Portfolio Recovery has admitted that the Statute of Limitations for these alleged debts has long-since expired. Portfolio Recovery has admitted it can not sue me for these alleged debts. Portfolio Recovery has admitted that the 7 year Federal Reporting period to credit reporting agencies has expired. 

Notwithstanding, Portfolio Recovery has repeatedly reported the XXXX alleged credit card debts to all XXXX major credit reporting agencies. 

Portfolio Recovery has no legal standing and no legal remedy to be contacting me for any reason. Portfolio Recovery has admitted against its own interest that the Statute of Limitations for the collection of this alleged debts has expired. 

Any and all communications to me from Portfolio Recovery amount to nothing more than the knowing, willful, intentional and repeated, illegal " harassment '' of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PREFERRED CREDIT INC
State: MI

Complaint narrative:
In XXXX of 2015 I was contacted by XXXX of Minnesota. I was understanding that they wanted to talk to me about some health issue. When they came to my home, they turned out to be vaccume selling people. They sold me a vaccume and an air purifier and I had it financed thru Preferred Credit , Inc. of XXXX XXXX, MN. in the amount of {$4000.00}. My wife worked at XXXX at the time of purchase. In early 2015 XXXX closed and she lost her job. I contacted P.C.I. and told them I would have to reduce the payments for awhile until she found a new job. Apparently they did n't like that I had to do that and they started reporting negatively on my credit report from then thru now. I have contacted them several times regarding this matter and they refuse to remove negative reporting, even tho I am now making regular payments to them. They said, I signed a contract and there 's nothing they can do about it. It has really damaged my credit and I am trying to get a mortgage and with this on my credit, I ca n't get a loan. My lease is up in XXXX and I have to move so I need help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Quality Lenders Inc
State: SD

Complaint narrative:
I sent a letter in XXXX requesting alidation of debt. I have never taken out a pay day loan, and have no knowledge of this debt what so ever. This company never responded to me, but continues to hold a judgment on XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I was a co-signer on a loan that fell behind a few months. The auto loan was opend in XXXX and closed in XXXX. I have repeatedly ask Toyota Financial to remove the loan from my credit report as a courtesy so the late payments would not effect my credit rating. They keep reporting late payments even though the auto loan has been paid in full for almost 2 years. Just recent as XX/XX/XXXX, they reported being late 120 days past due. I have never been late 120 days nor did I open an investigation on this paid loan in recent months. They are providing derogatory information on my credit report that hurts my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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: MD

Complaint narrative:
There was not an applicable option to describe my issue. This is one of several complaints that I have against Portfolio. I always submit my complaints through the CFPB because this agency needs to be aware of this debt collectors tactics. Portfolio has responded several times to my complaints but they have not answered my single question. WHEN WAS THE DATE OF FIRST DELINQUENCY? Portfolio randomly picks dates and numbers to put on consumers credit reports without any regard for the FCRA. Enclosed is what Portfolio has put on my credit report. They have the date of first delinquency as XX/XX/2014 but the date opened is XX/XX/2014. I am not going away until my question is answered. If you cant answer it, you cant make up dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
To Whom It May Concern : On XXXX XXXX 2015, I sent {$200.00} to relatives in XXXX. I mistakenly wrote the receiver name as XXXX XXXX instead of XXXX XXXX. According to Western Union, the name that I had used is the name of an individual that is in a Global Sanction List and that XXXX needed to go back to the Western Union Office and bring a copy of his ID so that they can fax it to XXXX. I explained to them that XXXX XXXX had brought his ID when he went to pick the money and he was simply told that the money was not available for which they had no answer. XXXX went back following the instructions that Western Union had provided me but he was told that there is nothing they could do because they had no fax machine. I then requested that the money be refunded to me, which Western Union agree to first and then they decided not to without any explanation. From XXXX XXXX to around XXXX XXXX, Western Union went back and forth about what they could and could not do to help solve this matter. When I realized that they simply were wasting my time and nothing was getting done, I requested that all communication was done via email. On XXXX XXXX of this year, XXXX found someone in town that has a scanner that scans better quality images and as soon as I received those images I sent them again to Western Union twice but I have received no answer. 
I will take this case public but have been advised to first file a formal complaint. 

Respectfully, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation