vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-02 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Looking to fix my credit, request a validation of the account lender sold the account to other agency and keep reporting to my credit making damage to my credit. 
I am looking to purchase a home and they collection agencies keep placing back on my credit after the request is being review and removed from my credit. 
know, I have harassment charges with legal notice on a e mail I never provided. 

I never provided my personal e-mail to be shared with any agencies. 

Call at my house, cell phone and late calls pass XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Alorica Inc.
State: CA

Complaint narrative:
Received collection letter to the estate of deceased parent. 

I contacted the originating bank survivor relations department : ( 1 ) the bank did not report anything for collection, ( 2 ) all accounts of the decedent have been paid in full and are closed, ( 3 ) the account number reported does not exist, and ( 4 ) this is a phishing attempt. 

I called the collection company, they insisted they have been retained to handle the account and have a file from the bank. I told them I have contacted the bank and relayed everything listed above. They said they would make notes to my file and I would not be contacted again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank is the worst company I have ever dealt with. One of the worst cards to apply for. My card was issued through HSN, after buying an LCD TV through HSN for {$1400.00} and I now been paying this company over {$2200.00} with late fees and VERY HIGH Interests, they are still reporting me negatively ( every Month ) to Credit bureaus. Hate Comenity Bank they do n't care if you are up to date with your account. DO NOT APPLY FOR THIS CARD!!! They are one the most unorganized, unprofessional company I have ever worked with, VERY RUDE customer services. 
Buyer beware, this company will not ever lower your interest rate no matter how good your rating is with them. I been charged for late fees OVER N OVER, again - If anyone is STRATING A class action suit - I will join please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 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: FL

Complaint narrative:
By telephone, I discontinued lawn and garden service from this company, XXXX. They continued it anyway and billed me, sending the " debt '' to a collection agency, Portfolio Recovery, when I did not pay. 

XXXX 's constant record-keeping errors and lack of communication are the reasons for my ending the service, so I was not surprised when they made a mistake about the service ending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My name Is XXXX XXXX XXXX today I was informed by my wife that she was in contact with a debt collection company named Portfolio recovery because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that they never contacted me to dispute this debt in writing because they are not the only debt collection company who is trying to attempt to collect this debt. Another debt collection company name XXXX is trying to collect the same debt. I believe that Portfolio Recovery has violated the FDCPA, first failing to send me a debt collection notice in the mail to give me the chance to dispute this account, reporting this account to the major credit bureaus without a validation of the debt, improper sharing information with a third party my wife, trying to collect a debt that other debt collector allegedly own. I am filling a complaint with Federal Trade Commission and Attorney General Office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 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:
XXXX XXXX transferred me to his manager pertaining to my account with Portfolio Recover Associates. I received several phone calls from XXXX XXXX XXXX XX/XX/XXXX requesting payment on the account. Per the manager he stated to send him an email at XXXXXXXXXXXX detailing the information that is on my credit report. He stated that Portfolio Recovery failed to notify XXXX XXXX XXXX that the credit card was paid XX/XX/XXXX. I had a coworker listening to the conversation through each of the conversations with XXXX XXXX, XXXX XXXX as well as the managers. I was told that XXXX XXXX was not available to speak with but I could send her an email at XXXXXXXXXXXX. I have called this company more than 12 times. Per the manager, XXXX XXXX did not document that I called in only documented the account. XXXX is the ID number I was given. I repeatedly told the manager that he was on speaker. When I advised him that both companies were attempting to collect on a debt that was paid XX/XX/XXXX he disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
We need your assistance. Portfolio Recovery Associates , LLC continues to call my home for a debt we do not owe and know nothing about. They 've been harassing us since the late XX/XX/XXXX while living in XXXX. We 've since moved to XXXX ( XXXX yrs ago ) and they somehow found our new home # and started ringing it off the hook shortly after we moved here. We set our home phone to 'do not 'disturb ' and they have now found a way to contact us on our cell phone, which is against the law. Way back in the XX/XX/XXXX, we told them we do n't owe this money and they continue to harass us. So we 've been ignoring their calls for the past XXXX+ years. We sent letters telling them we do n't know what this debt is and to produce a copy of the original debt and we 've received nothing in the mail but their letters asking us to pay the debt. The latest letter I received was a couple of days ago. And interestingly enough, a portion of the letter says, " ... Because of the age of the debt, we will not sue you for it and we will not report it to any credit reporting agency. '' That tells me they must be trying to collect on a so called debt that is outside of the Statute of Limitations for California. The original creditor listed in the letter is XXXX XXXX XXXX sold by XXXX XXXX XXXX XXXX to Portfolio Recovery Associates , LLC. My wife and I had a couple of credit cards with XXXX XXXX XXXX that we obtained in XXXX in which the combined balance far supersedes the {$360.00} they are asking for. Furthermore, the credit cards were PAID OFF in XX/XX/XXXX and Portfolio has been calling my house since the late XX/XX/XXXX. That said, we owe XXXX XXXX XXXX nothing, this looks like Portfolio is trying to collect on a very old debt we know nothing about and I want these people to leave us alone! Should you wish to discuss this matter, please contact me through the email provided in this complaint. Any assistance you can provide in this matter is greatly appreciated. Thank you for your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This company has reinserTed this debt on my credit file after it was previously deleted which is illegal. This account was removed from my credit file with XXXX in 2015 and they have turned around and out it back on my XXXX file without properly notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I had setup a payment plan in XXXX 2015 to repay back XXXX XXXX for a credit card I had. I was told that the balance was over {$1000.00}. Portfolio Recovery Associates started deducting {$35.00} a month from my bank account as agreed. The only thing that bothered me was te amount. My limit with XXXX XXXX was {$500.00} so I made a call to XXXX XXXX and they too stated the charge off amount was {$500.00}. It states it on all the credit reports as well. I stopped the deductions from my account and requested them to correct the amount to what the real amount was and not the inflated amount that they were trying to have me pay and they stated if I do n't pay the amount that they set up then they would sue me and get a judgment and I would owe XXXX times the amount. You ca n't do this you can only collect hat is owed and no more. They hae taken {$140.00} out of my account which leaves the owed balance to {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
In XXXX of 2010 I purchased a Toyota. I did not know that at that time there were massive recall of Toyotas due to acceleration problems causing death and accidents. The company did not mention this fact. 

A few months later, unaware of this problem, I was driving the car on freeway XXXX south. The gas pedal stuck. I had to drive off freeway almost causing accidents and drive in field until car became stuck in mud. What if I had grandkids in car!!???!! 

So after months of disputes over not paying -- because who is going pay and drive a car that is unsafe, I turned car in to dealer. I have filed complaints about this. I was told that nothing negative would be reported about me to credit bureau. Haha more lies. 

It is on my credit report as Toyota Motor Credit Co. This car was a XXXX, unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PRA has failed to notify the credit reporting agencies of multiple disputes that I have filed with them, in addition to other violations of FCRA. 
Though I have filed disputes with Portfolio Recovery Associates directly and also via XXXX, they have failed to notify the credit reporting agencies of my dispute in violation of FCRA 623 ( a ) ( 3 ) but have continued to pull my credit monthly and report updates monthly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 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: DC

Complaint narrative:
I paid a debt. The judge marked fileit as PAID. Plaintiff requests XXXX XXXX. I filed response. XXXX attached my filings and motions and cross complaint/counter suit. 

The false statements and representations were made in the XXXX and the stipulation of settlement agreement. 

XXXX asked XXXX XXXX and I to engage in mediation. Contract was created to begin repaying the reduced debt. XXXX payment given in advance of start date with clear instructions based on start date stated in contract starting the debt repayment. to Attorney after getting a contract inked up for a start date of XX/XX/2016 for XXXX payment. Attorney goes against agreed start date for XXXX repayment and inception

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
On XXXX/XXXX/XXXX I contacted PRA to discuss the status of XXXX accounts that are in currently in dispute, accounts ending in XXXX and XXXX. Initially my phone call was received after automatically stating that the phone call " was an attempt to collect a debt '' even though these alleged debts are actively in dispute, and are not to be collected on while being in dispute. 

Next, my phone call was transferred to and answered by the " Litigation Department, '' in yet another attempt to collect these debts, a technique they have already been cited for and fined for by the CFPB for back in XXXX through the CFPB-PRA Consent Order of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-14 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: MD

Complaint narrative:
I am being harassed multiple times each day by a debt collection " service. '' They insist on my providing personal identifying information in order to coerce me to pay a debt I do not have. I am over XXXX years old, and this is clearly elder abuse. Please make them stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I opened a secured credit card with XXXX XXXX XXXX XXXX Bank XX/XX/XXXX. The bank closed and sold my account to XXXX XXXX Bank XXXX XXXX. I lost my job and tried closing the account with my {$300.00} deposit and they told me there was no deposit or secured credit card and only had information that my card opened XX/XX/XXXX. XXXX XXXX is reporting was reporting this on my credit reports. I called FDIC and they have no records of XXXX XXXX taking over any accounts from XXXX XXXX XXXX or XXXX XXXX. Portfolio Recovery has bought the account from XXXX XXXX and is now reporting this Same account in collections on my credit reports. I sent them the letter from XXXX XXXX stating I do not owe the money and they are removing the account off my credit report. They said it is not enough proof to remove the amount I know owe them because they bought the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 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: NH

Complaint narrative:
Portfolio Recovery is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Portfolio Recovery is reporting an account with a balance of {$720.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I had automatic payments set up from my checking account for my car leasing with Toyota financial Institution. I changed my car on XXXX XXXX, XXXX payments were pending ( XXXX XXXX and XXXX XXXX ) but as part of the agreement, my old car was paid off. Despite this agreement, and verbal notification with Toyota financial Services XXXX weeks ago, they withdrew {$300.00} from my account yesterday. 
I want my money back. 
This financial institution should be punished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I receive repeated phone calls from Portfolio Recovery to my cell phone number while I am driving and I believe they are calling other family members and hanging up. I have even receive text messages from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 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:
Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
On or about XXXX I sent a dispute / cease communications letter to PRA. ( Portfolio Recovery Associates ) In XXXX, they started calling again and placed 8 calls to my number in violation of 1692 C ( c ) and 1692 D.. the XXXX Unfair Trade Practices Act, and XXXX debt collection laws. 

I contacted them and they stated that they were " looking for another consumer. '' This is false, since I live alone and have for 5 years. There is no " other consumer '' here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: AZ

Complaint narrative:
I have been disputing this debt for a while now. I have provided proof over and over again that this debt was paid to the original creditor. The collection agency keeps going back on reporting this between XXXX and XXXX. Every time I dispute it they state it is paid, change the balance to {$0.00} and the debit to paid. Then I check my XXXX account the next month and the same debt is back as unpaid on the other credit report. 

I am not sure what my option are at this point, but this I NEED HELP getting this fix. It cost me the ability to refinance my car to a lower interest rate and it cost me a percentage point when buying my house. Do I have to hire an attorney to get this fix? PLEASE HELP!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY XXXX, VA XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RECOVERY A or any company associate with this account # XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX, XXXX, XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 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: LA

Complaint narrative:
This compant has failed to send me proper information proving that the debt actually belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 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: TX

Complaint narrative:
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one 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 explanation