vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: CO

Complaint narrative:
i have a payment plan set up with these people. and the all me still every single day and threaten me and are very rude in the way that they speak to me. I know that I fell behide on the loan but I am doing the right thing to try and resolve it. I asked for a supervisor and she was just has unhelp and rude has the collector. I got XXXX and lost my job I am now on XXXX and trying my hardest to do the right thing. They told me the only way that I can pay them is over the phone and with a checking account or debit card and not other form of payment will. work.. and I set up a plan yet I get a call every day 2-3 times a day and I am over them calling me all the time.. I want the calls to stop and I want them to send me a bill. I would rather speak to my worst enemy then to these people who are so rude and disrespectful in the way the handle there calls. I worked in the collection field for over 15 years before I got sick and it sadden me to see how collector today are making the collection world out to be. I would never let a collector who was under me speak to a consumer they way that I was spoken to today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
On XX/XX/2016 I received an escrow letter from Caliber Home Loans stating that My mortgage payment was going to increase from {$620.00} to {$1500.00} on XX/XX/2016 due to an escrow shortage caused by an HOA assessment in the amount of {$340.00}. I immediately contacted Caliber and spoke to XXXX who advised me that a check was being sent every month in the amount of {$340.00} to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Fl XXXX. I advised her that my association is XXXX XXXX at XXXX XXXX XXXX XXXX Fl XXXX and my association fees are paid by me every month they are not included in my mortgage and that there are no special assessments on my property. After numerous phone calls and XXXX XXXX, 2016 fast approaching and nothing being resolved on XXXX/XXXX/16 I was forced to seek legal counsel to have to resolved before my mortgage was in default due to not being able to make payments that were not correct through no fault of my own. I had to pay {$900.00} to attorney XXXX XXXX to ave this issue resolved on XXXX/XXXX/2016 XXXX XXXX sent a letter requesting this be resolved and fortunately at this point my mortgage payment has been corrected. I am still currently out {$900.00} in attorney fees that Caliber does not seem to want to reimburse me for. This was something that had they not erroneously mismanaged my escrow account or at minimum resolved the issued when they received my letter and documentation supporting my mortgage should not be going up because this was an error on their part I would not have had to pay {$900.00} to an attorney

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
The Thomas Agency has tarnished my credit report by trying to collect money on behalf of Maine XXXX XXXX XXXX. I am XXXX and have had full medical insurance for over 10years through XXXX and XXXX. So there is no possible way for me to have unpaid medical bills in that time period and anything before 2010 it should be removed from my credit after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Mortgage, LLC
State: NY

Complaint narrative:
Prospect mortgage has had my application since XX/XX/2016 for an FHA XXXX loan only to have an FHA loan process according to the broker.. I have be in contract with the sellers with a short sale home for the same amount of time. I have received a number of contradictory estimates ... the house was initially XXXX and now dropped to XXXX. Closing cost Has been exaggerated and unreasonable and well as contact with the brokers. No phone calls seems to be accepted only emails. As there are many. They are a number of contradictory statements. Please help short sale expires XX/XX/2016. There is so much more to state there were false documents, Appraisals, and a number of other unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a XXXX XXXX cardholder. With the merger with XXXX, XXXX offered me 30 % more points via an emial campaign if I converted my credit card airline miles over to XXXX points. I researched both airlines flight offers extensively. It was XXXX points or {$560.00} to get a round trip airline ticket from XXXX to XXXX on XXXX with my points. On XXXX, it was {$470.00} ( it did not give me a point option because i did not have enough points. ) Believing XXXX would give a fair and simliar value for my credit card rewards, I took advantage of the offer and converted all of my XXXX points to XXXX XXXX. XXXX XXXX is now charging me XXXX points for a round trip ticket from XXXX to XXXX. This is unacceptable, unfair and deceptive advertising practices and the XXXX XXXX credit card mileage conversion program should be investigated heavily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Comenity Bank, which is the issuer of the XXXX XXXX credit card charges more than 25 % interest rate while at the same time does n't offer their customers a way to autopay a bill. While every credit card that I hold has moved towards the autopay function for consumers to keep their accounts current, it appears that the bank is purposefully looking for ways to aggressively garner revenue from late fees and high interest rates. I 've requested on XXXX occasions since opening this card for an auto bill pay function, but this feedback has been met with the status quo.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have a fairly common name, XXXX XXXX. Portfolio Recovery is calling my house multiple times a day. I 've talked to them XXXX times yet they persist in calling me. At the time of this writing, the only debt I owe is the mortgage on our house, a car payment, and a couple grand on our XXXX that we will pay off this month. This company is relentless and I do n't even owe anything! I can see how the XXXX, the XXXX, or folks who do owe a debt but ca n't pay it would be hounded by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery Associates has entered a fraudulent record of judgement onto my credit bureau reports. They have no such judgement against me. This has affected my credit score and the items presence on my report is currently delaying a pending loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
THIS IS XXXX XXXX XXXX AGAIN.YOU KNOW ME.I WRITE A COMPLAINT ABOUT XXXX & XXXX ABOUT THERE HARASSMENTS.I 'M WRITE THIS FOR MY MOM SHE AS HEALTH ISSUES. WE ARE HAVE PROBLEM WITH PORTFOLIO CALLING AND HARASSING US THEY HAVE CALLED THE HOUSE 34 TIMES.MY MOM IS SICK OF IT.AND XXXX XXXX XXXX IS STILL CALL US ABOUT 7 TIMES WE ARE SICK OF THEM CALLING AND HARASSING US, AND SENDING LETTERS.I WISH THEY WELL STOP XXXX LEAVE XXXX ALONE. YOU CAN SEND THE INFORMATION ON MY MOM EMAIL ADDRESS.MY EMAIL IS NOT DOING RIGHT.THANK YOU.AND XXXX XXXX XXXX RINSING THE WAGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
I remitted a payment to payoff the balance of my car loan with Toyota Financial Services on XXXX XXXX, 2016. According to TFS, on XXXX XXXX, it was determined that my payment could not be processed. I received no notification from TFS that they had failed to process my loan payoff until a letter was sent to me on XXXX XXXX, 2016 ; in fact, I logged in to my online account portal several days after the date of my first attempt to pay off the loan to confirm that my account had been closed. The online dashboard indicated that my account had been paid in full and was closed. 

In the meantime, despite the fact that I was enrolled in automatic payments, had never previosuly missed a payment on the loan, and have good credit. TFS did not process my loan payments per the normal schedule for XXXX or XXXX. They did not inform me of this payment processing change until I received my next statement on XXXX XXXX, 2016. The statement indicated that TFS had imposed a late fee on the XXXX " missed '' payment, and confirmed over the phone that TFS had reported the " delinquency '' to the credit bureaus.

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

Complaint narrative:
An acct was opened in my name with XXXX XXXX. Once I discovered this, I informed XXXX XXXX that it was not my debt. The account was charged off at some point and removed from my credit file XX/XX/XXXX. I received a notice from Portfolio Recovery Services on XX/XX/XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. Portfolio Recovery Associates only sent me a collection letter and a XXXX XXXX statement from XX/XX/XXXX as verification on XX/XX/XXXX. Which is not validation of this debt. I responded to their letter on XX/XX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I recent purchased a car from XXXX toyota and gave my permission to have my credit ran ONCE on XXXX/XXXX/2015. This report came back on XXXX to be a XXXX. Since my application was approved by credit has been ran a total of XXXX other times since without my permission. this has significantly brought down my credit score due to hard inquires which were made fraudulently and without my permission, I would like these hard inquires removed from my XXXX. Since XXXX/XXXX/15 due to these other fraudulent inquires my credit score has when from XXXX to XXXX. Please look into this asap. Attach is the document to show the XXXX report i gave permission at the deal and the other attachment i the hard inquires i did not approve. please feel free to contact me directly. XXXX XXXX XXXX or XXXXXXXXXXXX refer to Case number : XXXX ( this is closed because i didnt reply back in time ) i have reached out the credit bureau but have had no resolution. and want my credit corrected and these hard inquires removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
These XXXX keep calling from RANDOM phone numbers constantly. Sometimes it seems like different area codes as well. I think we have XXXX or XXXX different phone numbers for them so far. This is after we started keeping track. There have been dozens of hang up calls and calls from outside our area code with no messages left. 

I KEEP telling them they are NOT calling an individual but to the BUSINESS phone of a NON PROFIT ORGANIZATION. 
It appears they are to stupid to comprehend that simple English statement. 

They never state who they are, or the name of the person calling. If they do not hear a person answer they hang up and Voice mail messages from their numbers end up as " dead air '' and fill up our voice mail system sometimes preventing other legitimate callers from leaving messages. 

In an attempt to get more details of who THEY are, whenever i say that i am the person they are calling for, they tell me they are trying to collect a debt from a credit card, or other bill. The story seems to change each time. the dollar amount seems to change each time. 
I have not owned a credit card in possibly 10 years. Last vehicle was paid off about 10 years ago. 

With all of the internet scams out there, maybe these jokers are just professional scam artists? Hard to think otherwise knowing i have no credit cards or debt in 10 years. 

Any future contacts from them to us will be met with the most harsh and hostile reception possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates is engaging in illegal and flagrant violations of the Fair Credit Reporting Act by reinserting previously deleted information on my credit report in an a flagrant and intentionally attempt to make the debt appear to be more recent that it really is. Portfolio Recovery Associates had previously deleted a collections account from my credit report however in retaliation for filing a prior complaint against Portfolio Recovery Associates with the California Attorney General 's office, they reinserted a previously deleted account into my credit report as a collections account in order to intentionally punish me which is not what the intent of the FCRA or FDCPA is intended to do. Portfolio Recovery Associates is engaging in illegal and flagrant violations of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 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: IN

Complaint narrative:
Account Number : XXXX ( XXXX XXXX XXXX BANK {$440.00} ) Account Number : XXXX ( XXXX XXXX BANK XXXX XXXX. {$460.00} ) Account Number : XXXX ( XXXX BANK {$1800.00} ) I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA. 

I have been more than fair and more than patient regarding this matter. This is my last attempt for you to make right regarding this collection that you wrongfully placed on my credit report. I have started the draft of my complaint to the CFPB with complaints for not notifying me of the collection you placed on my credit report, giving me the right to dispute this debt, not responding to my request ( FDCPA Section 809. Validation of debts 15 USC 1692g ), as well as the list of damages this has caused me personally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This company calls a lot .The name of the company is Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harley Davidson Financial Services Inc
State: IL

Complaint narrative:
I sent a certified letter to Harley davidson financial on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Both times they have stated that they could not find the account, and needed more info, even though they were given an account number. in this time they sold the account to a collection agency that sent me a collection notice on XXXX XXXX. By law, Harley did not supply the info within the 31 days required by law validating the dispute. Also in this time, there is a hard inquiry showing that Harley was notified that was disputed also. this was not validated in the 30 days either

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I bought Lexus GS 350 car from a Lexus dealership in XXXX MD in XX/XX/XXXX. At the time of the purchase the dealership also sold me GAP insurance policy issued by Toyota Financial Services at a cost of around {$700.00}. This vehicle was involved in an accident on XXXX XXXX, XXXX and as a result it was declared a total loss. XXXX, the insurance company, paid {$40000.00}, a part of which was paid directly to XXXX Bank to settle the outstanding loan against the vehicle. Between XXXX XXXX and XXXX XXXX I wrote XXXX letters to " Toyota Financial Services XXXX XXXX XXXX, XXXX XXXX, IA XXXX '' to cancel the GAP policy and make a prorated refund because the vehicle is no longer in service. Each time they responded that since you have not furnished all the information, your claim can not be settled. This is wrong because they have been given all the information and documentation more than once. I am repeating all the information here for your ready reference : Toyota GAP Agreement Number XXXX VIN # XXXX XXXX Loan Amount {$51000.00} XXXX outstanding loan paid by XXXX {$17000.00} ( The rest was paid by me ) There is no other information needed by XXXX to settle my claim, yet they refuse to take any action. 
It is my contention that the GAP policy sold to me by Toyota Financial Services was an act of Financial FRAUD. They had no intention of paying anything if the vehicle in question met with an accident. Toyota behavior is in stark contrast to XXXX which processed my claim within days of the accident. I want CFPB 's help in recovering the cost I paid for this GAP insurance coverage. Also I want the bureau to investigate Toyota for selling a fraudulent product to the consumers. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 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: FL

Complaint narrative:
Portfolio Recovery is harassing me and threatening me with drastic collection tactics even though I receive XXXX. I do not owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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:
I have repeatedly requested that Portfolio Recovery Associates , LLC / XXXX provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 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:
Unknown company and unknown debt, I have disputed with nothing being received

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I received a call at XXXX on XXXX/XXXX/2015. The representative did not disclose that it was an attempt to collect a debt and never confirmed who she was speaking with before discussing the debt that I supposedly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery Associates , LLC Has placed inaccurate information on my credit report. Company has been asked via written communication to verify account. Company sends fraudulent documentation to support claim. I WANT THIS NEGATIVE ACCOUNT DELETED NOW!!

Company response to consumer: Closed with explanation