vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery has been calling since 2014 from many different Phone numbers they are harrassing rude etc they start at XXXX and end after XXXX with many as 15 calls a day They wo n't send a bill so I can make payments they wo n't accept what I can pay they demand I give them access to my checking account to bill me monthly stating this is the only way they will take any payments. No matter what you tell them they say they ca n't work with you unless it 's on their terms of payments These phone calls are almost every single day. I told them to quit calling me since they wo n't accept what i can pay them but they still call every day several times a day from different phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16 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:
Portfolio Recovery Associates keeps calling my cell phone from number XXXX in XXXX Mississippi about a debt that I have absolutely no information about, nor can they describe it to my satisfaction. 

They have called every day this week. 

I monitor my credit reports daily on XXXX bureaus -- so I have no clue at this item and what it might be, but I want the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: MI

Complaint narrative:
i submitted payment to my auto finance company, they never presented it to my bank, but they told me it failed, to go through, not nsf, but failed, i had the funds available in my account on XX/XX/2016, they never attempted to collect so that they could continue to collect daily interest!! in turn when i submitted my next payment, it went 100 % to interest!!

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 2015-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Continues to call after asked for verification. States I will be served or arrested. 
Continues to call from numerous numbers across the country to mask their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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:
I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 

I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as date and place this account was opened and information regarding the payment history as this account is unknown to me, i have no records of owning this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29 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: NJ

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX. This is not my credit card. It is showing in collections on my XXXX account. This account does not belong to me. the amount due is {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
The phone will ring. I will then answer it although it display as Portfolio Recoveey or Scam ... I then say Hello several times no response. But the line is still active no response on the receiving end. I then request to not call this phone number any longer, only for the party to then hang up the other line. They then will call again from a XXXX area code then hang up once I answer. This is a continuous basis and very much harassing to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery bought a credit card account from XXXX XXXX I opened in XX/XX/XXXX. The account has never been any activity on the account since XX/XX/XXXX. As of XXXX, the statue of limitation is expired and should be removed from my credit bureaus. 

Portfolio Recovery Assoc. has fraudulently made payments to an account that is outside the statue of limitation. A payment of {$1.00} was made by Portfolio Recovery to the account to bring the account current. 

Portfolio Recovery then proceeded threaten to suit me and finally file a law suit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 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: TN

Complaint narrative:
Payment arrangements have been made to Portfolio recovery monthly in the amount of {$250.00} per our settlement arrangement. They have taken my first XXXX payments out and applied it to my account. They have not taken the last XXXX payments that I have wired to them and applied it to my account. I have difficulty trying to understand anyone that works for that company and they are not working with me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 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: SD

Complaint narrative:
I had called the original creditor and they said that I had to deal with Portfolio Recovery Associates , LLC. I called them and said that I wanted to settle the debt but would first like to have a debt verification as well as a settlement agreement letter sent to me. They told me that they could n't do both. If I wanted the debt verification, they would not do a settlement agreement. I talked with 3 different people who denied what the person before them said since it was n't in the notes and once guy actually said that since he can tell me my name, address and last for digits of my social ( which they actually asked for when I first called to verify who I was ) the debt was verified. At the end I basically had to give up and accept a settlement agreement letter that says when the company purchased the debt and who they purchased it from if I wanted to be able to settle the debt so I can clean up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 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: NC

Complaint narrative:
My husband and I are in the process of purchasing a home and refinancing a car loan. As I was the credit union to complete the refinance paperwork the loan officer asked me about a recent credit collection that posted to my account. I told her I had no knowledge of it and she gave me the information to contact Portfolio Recovery Associates who just reported a debt I admit I owe from a XXXX XXXX credit card. The issue is not about the debt the issue is the fact they did not notify me of my right to dispute within 30 days as I would 've called them immediately to take care of this because I do not need this kind of blemish on my credit. I spoke to XXXX XXXX to set-up arrangement and she began to verify my information and admitted they sent the dispute letter for this collection in XXXX to the wrong address I then asked so what happens after I pay in full will this be deleted from my credit reports. SHe told me no they do not delete and I have a problem with this because its easy to report so it should be easy to delete after paid especially since I was never legally notified. I was then escalated to XXXX who said the same thing then she asked me if XXXX XXXX notify me when they sold the debt to them in XXXX 2016 and I said no its not even about XXXX XXXX its about Portfolio informing me and I was not informed of this debt being sent to collection or given the chance to make arrangements prior to them doing so. I called back and spoke to XXXX and she said the same thing its policy that they do n't delete and I said even if I did n't get the notice because you sent it to the wrong address. She said its not their fault that it went to the wrong address her exact words. So I told her that I would be filing a complaint. I set up arrangements for this account to be paid on XXXX/XXXX/2016 all I want for them to do is delete it after it is paid because they are total violation of my consumer rights. they said they update the credit bureaus 10 days after payment that account is paid in full. Not happy about this. If the consumer is willing to pay as I never denied debt which they continued to harp upon it still does n't change the fact they acknowledged letter was sent to wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Refusing payment. I have attempted several times to pay an account they are reporting on my credit report. The address provided on credit report is undeliverable. I then looked up address through BBB sent a check out and it was returned saying there was unacceptable markings on it. On the memo line i wrote exactly what it says on the credit report! XXXX XXXX XXXX the check was written out to Portfolio Recovery. I do not understand why they are refusing payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have a auto loan listed on my credit file with XXXX, XXXX, and XXXX that is listing inaccurate payment history,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates made an agreement with me regarding XXXX credit cards I used to have they harassed me for months and I eventually agreed to pay. They have never proven the debt I have asked over and over again all they do is send me statements on how much is still owed on the agreement every once in awhile. Today they sent me letters of the balance and it was more then what was owed. I called and a representative said to me after 9 months of paying on time that the agreement was never valid cause I had not paid by XX/XX/XXXX as in the agreement. I immediately got off the phone and looked for the agreement for both cards it started XXXX/XXXX/2015 I called back and informed another agent. She was looking up the account and said I am going to help you pay this off you need to just pay a little more a month. I told her I am paying the agreed amount three more months as required then I am done. I also told her that have not reported to the creditors that I have been paying the last 9 months. This company is always trying to go against the agreement we have and send me letters that I owe more. 

XXXX accounts : XXXX XXXX Account they said balance was {$450.00} and card only had {$300.00} limit my monthly payment {$37.00} XXXX. Paid up to XX/XX/XXXX. 
XXXX XXXX XXXX they said balance was {$2000.00} my monthly payment is {$150.00} XXXX. I just paid XX/XX/XXXX payment however they have not received it yet. 

They continue to harass me and try to lie and attempt to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery associates llc has continued to call random numbers asking for me regarding a debt I owe. They have called my moms home number that I never gave to them asking for me and saying that I gave them that number which I never did give them the number. They have my cell number which is the only number I gave the actual creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
In XXXX, my XXXX Credit card was stolen or lost. I attempted to report this. I continued to receive bills for the full amount. I was willing to pay the portion I was responsible for, but not the amount charged after my card turned up missing. 

After several attempts to resolve the issue with no resolution, I stopped making payments on the account. 

In XXXX, I started receiving harassing phone calls regarding this debt. I explained the situation and told the company I am contesting the amount of the debt. I would pay the amount I owed, but not the amount charged after the card was stolen or lost. 
The company ( Portfolio Recovery ) continued to harass me throughout XXXX. I sent a letter contesting the amount owed. 
They continued to harass me by attempting to call using at least a dozen different numbers. I eventually ignored the calls and refused to to speak with them because they refused to acknowledge my contested amount due. 

Now, in XXXX ( XXXX XXXX ), I received a letter from MY XXXX XXXX XXXX SON 'S bank stating that HIS funds were put on hold. My son has a XXXX. He is XXXX. He does XXXX XXXX. However, he did manage to graduate high school in XXXX of XXXX. There had been only XXXX deposit in this account, his graduation gift money. 
I am ONLY on his account for information purposes since it 's XXXX ( in person or on the phone ) with people he does not know, and since he does XXXX XXXX, I am ONLY supposed to be on this account to speak on his behalf when he is unable. 

I called the debt company this morning asking how we can resolve this issue and they were very rude and condescending. I was told that they would NOT take the hold off of my son 's account. I am in the process of providing proof that the deposit in his account is 100 % his money, none of it being mine. They still could n't guarantee that they would remove the hold or even " take '' all his money from the account. 

I then offered to send them the amount of the hold : {$590.00} ( even though this is a little more than what MY original charges were ) just to have them leave my son 's account alone. Again, they refused to remove the hold and will " take '' HIS money. 

I have two other bank accounts in MY name alone, and yet they go after my XXXX son 's account to remove ALL his money. This is simply not fair. I tried to resolve this with the company and they would not offer me any tangible solution for this issue. 
I 've done my research on this company and I found they have a pretty bad reputation as to their means of " attempting to collect a debt ''. 

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates repeatedly calls my work using different phone # 's. When I do answer either nothing is said or they are completely rude and arrogant.

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

Complaint narrative:
Portfolio Recovery Associates , LLC ( PRA ) is a junk debt buyer claiming I owe them {$480.00} for a charged off XXXX Bank XXXX credit card. On their collection letters PRA claims to be the creditor for this account, as evidenced in the upper right side of their collection letter to me, dated XXXX XXXX, 2014. PRA has never extended credit to me. 

On XXXX XXXX, 2014 I requested proof of validity of the original debt, itemization of the account establishing an accurate accounting and proof they had a legal right to collect the debt. I received a letter from PRA, dated XXXX XXXX, 2014, again stating they purchased the account, the balance was {$480.00} and that the seller, XXXX, provided them an electronic file of their business records concerning this account. PRA neglected to provide me with any copies of said file or proof of any of the items I asked for. I also disputed this account with the credit reporting agencies, PRA updated the account as accurate. 

On XXXX XXXX, 2014 I sent PRA a Notice Of Arbitration Election via XXXX as described in the XXXX Cardholder Agreement, a legally binding contract, that was in force at the time this account was opened. The Agreement states this is my right, that XXXX or anyone they transfer or sell the account to is REQUIRED to participate. I felt at this point it was the only way to settle our differences. They refused to respond. 

After reading The Consent Order between you, CFPB, and PRA I realized there was a discrepancy between XXXX charge off amount and the amount PRA claims I owe them. The charge off amount that XXXX reported on my personal credit reports is {$230.00}, {$240.00} less then PRA is trying to collect. XXXX has stated they do not provide any warranty as to the validity or accuracy to the accounts contained in electronic files that they sell. 

Portfolio Recovery Associates , LLC is violating the terms of the Consent Order, the FDCPA and Minnesota law. They have complete and total disregard for the law and the consumer. 

PRA can no longer collect this debt in court, in accordance with Minnesota Statutes Of Limitation. However PRA 's entry on my credit reports is n't scheduled to be removed until next year, unnecessarily causing me financial harm. I do not believe they have a legal right to collect this debt. 

There are XXXX other accounts PRA is trying to collect from me with the same circumstances. I will file separate complaints for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
This is a XXXX bill from at least 2 years ago. Comenity Capital Bank started sending my past due statements to my ex-wifes parents house where I have never lived there and she has n't lived there in over 15 years. They continue to call my cell phone every day at least 5 times a day. They called me 7 times today from unknown caller within a 8 hour window. I have told them to stop calling and just sue me if they want because I do n't have the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I was just told by my lender that I will have to wait 9 calendar days now thatmy loan was cleared to close. A certain amount to schedule the closing, another amount to deliver the closing documents, and even more to look atthe closing documents? Meanwhile my rate is expiring as I have arefinance loan that needs 3 more " business days '' for something after wesign? All this waiting seems like a way to make my rate worse!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
This is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CA

Complaint narrative:
A letter was sent to this company on XXXX XXXX requesting validation of this debt and to request all further contact be via mail only. 

A letter was sent by me and by my husband who was a co-signer on this loan. Delivery for both letter was confirmed on XXXX XXXX ( can provide tracking numbers ) My husband has received XXXX documents from them that do not apply to the debt they are collecting and has someone else 's social security numbers on them so I know this letter has been received. However they have not responded to my letter. 

They have continued to call my house, my husband 's place of employment and my cell phone number listed above. The last voicemail left on my cell phone was XXXX/XXXX/2016 at XXXX. The last call to my house was XXXX/XXXX/2016 at XXXX. 

My husband has asked them when they have called him at work not to contact him and they have continued to do so. This is a company with no respect of the law trying to collect a debt that has been passed through at least XXXX different collection agencies none of which can provide proof of debt or proof that they have the master promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
I 'm being reported as 30 days late with my payment. I 've never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: OpenRoad Lending
State: NY

Complaint narrative:
On XXXX XXXX the company performed OpenRoad Lending a inqury on my report. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round.They say things such as it was made on XXXX, placed online. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation