vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-24 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: FL

Complaint narrative:
I have disputed a XXXX XXXX account and requested validation but only a statement which I can not used to validate. Please help assist with obtaining the initial signed contract and more details on the charges on this account so I can research this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 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: FL

Complaint narrative:
I settled and paid off the original account. Which XXXX XXXX sent you the information when I filled out the complaint for them. That there was a mistake made on my account when I did pay them the settled amount. They said they bought back the account. So this should not be on my credit report anymore and it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 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: MO

Complaint narrative:
I have asked XXXX that Portfolio validate this debt. I have received statement and looks like maybe a copy of a bill from XXXX date XXXX/XXXX/2010. 

portfolio has not removed this from my credit reports or validated this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 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: IA

Complaint narrative:
Debt was paid yet they continue to call me! Portfoliorecovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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: TX

Complaint narrative:
Today at XXXX my husband, XXXX XXXX, received a call form Portfolio Recovery Associates from XXXX, regarding a debt for XXXX XXXX, from XX/XX/XXXX, of which my husband is not associated with, he is not a co-signer nor a joint holder on this account. This account was opened before we met and was defaulted on before we met. My husband and I married in XX/XX/XXXX and he was should told this is a debt for XXXX XXXX for {$1100.00} and that he was listed as the contact for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery has been calling my home for over 2 years, I have no business with them I already told them the person they are looking for does not live here but they call every day. I have no clue what type of loan it is because I am not the person they are looking for. I selected the options above because the web site wont aloe me to proceed if I do n't select an option but I am not the person they look for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I keep getting calls and letters sent to me. this is a debt that is over 12 years old. in their letter it clearly states that because of the age of the debt they will not sue me and they will not report it to credit reporting agency. because it is not legal. yet, they continue to send letters and call me regardless of their own acknowledgment of this legal aspect regarding of statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04 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: MN

Complaint narrative:
I have an agreement in place with Portfolio Recovery Associates ( PRA ) to payoff my XXXX credit card with monthly electronic fund transfers from my personal checking account. I 've covered all monthly payments, as agreed, starting XX/XX/XXXX. In XX/XX/XXXX, notice the latency, I received a letter from PRA to " collect a debt '' and discuss payment options that I ignored because we already have an agreement in place with XXXX covered payments. PRA disclosed the debt to credit bureaus, according to PRA, to " report payments ''. Due this action, my credit score took a dive of XXXX points. PRA is unethical because they disclosed false information to the credit bureaus and tried to brainwash me explaining this was actually " helping me ''. PRA, explain to me why after XXXX payments, with no missing payments, you report the debt to the credit bureaus? After 3 years? How lame.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
We have no delinquent loans, and our telephone numbers are on the national Do Not Call registry. Despite this, we continue to receive unsolicited and unwanted telephone calls from ( XXXX ) XXXX in XXXX XXXX, XXXX. This number is registered to Portfolio Recovery Associates Group, XXXX XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02 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:
Port Folio, representing XXXX, is trying to collect a debt that is more than 4 years old. It was acquired XXXX, I now live in XXXX. According to the debt collection laws, XXXX states say that the debtors can no longer pursue you after 4 years. They keep calling me on my private cell phone number I have no idea how they got it. I lost my business XX/XX/XXXX due to the economy collapse and could no longer pay my credit card. The last payment was sent to them XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery continue to attempt to collect on a debt that they forgave. I was sent XXXX but they continue to harass me by asking for payment on a debt they forgave and written off thru the IRS. Also they falsified information on my credit file stating that the debt was opened in 2012 to avoid removal of the debt which negatively impacts my credit score in a collection tactic attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: MI

Complaint narrative:
I wrote to Portfolio Recovery by certified mail on XXXX XXXX, 2016 requesting validation of the debt they claim I owe them. I have received no response from them and it 's past the allowable time limit for their response. Yet, they continue to report inaccurate information on my credit report. I have asked them to remove this listing from my credit report to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates LLC is a debt collection agency principally located in XXXX, VA, however, in a response to my request dated XXXX XXXX, 2016, for them to remove their collection account from my credit report as it counts as twice for the same debt in violation of the FCRA, they refused to remove their information and misrepresented themselves as a " creditor '' in violation of FDCPA Section 807 ( 11 ). This statute provides that debt collectors are liable for statutory damages of up to {$1000.00} if they are in violation of this section regardless of intent. After my most recent response to remove this collection account a month ago XXXX prior to XXXX XXXX, 2016, they have failed to respond in the least and continue to remain on my credit reports. 

Further, Original Creditor charged off {$810.00} and PRA LLC is attempting to collect at least {$980.00}, a {$170.00} difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 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: OR

Complaint narrative:
My father was contacted by Portfolio Recovery Associates about a {$2300.00} debt to XXXX XXXX from XX/XX/2013.My father purchased a {$650.00} computer XX/XX/2013 and his bank statements show payments of this amount to XXXX in XXXX 2013. My father considered this debt discharged. He has no idea what the {$2300.00} charge is. We contacted XXXX and Portfolio Recovery Associates for account level detail about this debt and they are unable to provide it to me. I sent a letter by email today along with bank statements disputing this debt. Will send by certified mail tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I disputed my account with PRA, and verified that the debt was from XXXX XXXX. The reason for the dispute was that I have had XXXX accounts with the original creditor since this account and did n't know that the debt had been sold. Once verified, I contact the company to try and settle the debt. 

First, I was told that I could pay for the deletion of the trade from my credit report. I told the representative that I would call back to make the payment and fulfill this agreement. 

Next, I called to settle the balance and was told that " they did not do pay for deletes '' which was the complete opposite from the understanding that I had. 

I was told that I needed to contact the original creditor to have this deleted -- very confusing. I called the original creditor, XXXX XXXX, and they said the debt had been sold to PRA, they had no control over the reporting, and were not sure why I was told to contact them. 

I called back, got another representative and she told me that I needed to pay the balance, and then contact the credit reporting agencies to have it removed. Again -- very confusing and false information. Once she 's caught herself on what she had said, she put me on hold. 

A manager ( who started off very polite ) then gets on the phone and tells me that " they just had a meeting yesterday, and no collections agency is allowed to remove information from an account now. '' -- once again, FALSE, and fabricated. 

She said that PRA was not even concerned about receiving the full amount. They just wanted a portion, so that it could be marked as paid, then begins to offer me {$20.00}, {$30.00}, {$40.00} off of the balance. I told her that the amount was not an issue -- I just wanted the trade deleted as promised, upon full payment. She then proceeds to offer me {$90.00} off. No thank you. 

I told her that I would contact the CRA 's as her employee instructed, and that I would get back with them. She then proceeded in a demanding, condescending and very abusive tone to tell me that I needed to accept their offer and that the credit reporting agencies would be able to do nothing to help my situation and that she had been working at PRA for 6 years and proceeded to tell me " exactly what they were going to tell me. It almost felt like she was trying to make a sale. 

Still, I got nowhere on the initial agreement to have this account deleted upon full payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20 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: MN

Complaint narrative:
I get about 6 phone calls per day with them saying my name and that a lawsuit is going to be filed, they have called realtives and places of employment. I do n't even know what this is, however they have listed it several times on my credit reports and it needs to be resolved immediately. They are reporting XXXX debts XXXX from XXXX and XXXX from XXXX, I have no idea what these are ... please help. The last time I had any debt issues was well over 15 years ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-01 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: WA

Complaint narrative:
I have disputed this debt and filed a fraud complaint. The collection company sent me " proof '' that I owed the debt. They sent me a letter stating that they had investigated my claim and they had concluded that my debt was not fraud. Their " proof '' was a credit card statement for a completely different person, with a completely different debt ( NOTHING similar to the one they say is me ) in a completely different state. This does not instill very much confidence in their abilities to " investigate '' my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-01 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:
Over the years I was taken to court on a old credit card debt 7 times! And 7 times it was thrown out of court being the debt collectors never showed up! But he did on the 8th time, years later. 
I was garnished at XXXX % on XXXX/XXXX/XXXX for {$12000.00} As of XXXX/XXXX/XXXX I 've paid XXXX and was wondering why the garnishment did n't stop. After getting a hold of the Court house they told me my balance was {$0.00} and some times it takes a few weeks to stop the garnishment, then, supposedly they pay you back what was overpaid. 
Now I called Portfolio Recovery Assets & they would n't tell me anything, not even how much was left or the original balance. 
Told me to have my lawyer call their lawyer, which I did and it cost me another {$400.00} to get my old lawyer back on retainer. He found out they somehow tacked on another {$6800.00} as interest and court fees! 
As of XXXX/XXXX/XXXX I 've paid {$6700.00} making me owe {$81.00} Now I just got paid today and they still took 25 % out close to {$250.00} again.I believe I 've paid close to $ XXXX-XXXX more than I should 've and need this fixed, I can barely survive.Satisfaction of Judgement has clearly been met, yet they still continue to steal my money and harass me. I 've got the Case number, the lawyers numbers, documentation of what I paid but NO documentation of the TOTAL FULL Debt and they just keep taking. Portfolio sued me through XXXX XXXX XXXX XXXX. I need help and am broke, they have taken nearly {$21000.00} on a $ XXXX debt! Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 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: FL

Complaint narrative:
I have a debt on my credit report who I do not recognize. I received some phone calls for a collection agency treated me of jail and legal action against me and my family. I want this company to stop harassing me and stop calling me I am on the do not call list they even call my cellphone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
my business went quiet, was behind XXXX month mortgage payment, spoke to my bank and they assured me of assistance, by the end of the second month i personaly went to my bank to make the late XXXX payments and thay refused to take the payments stating that it was now XXXX months past due and i must apply for a modification, i told them i did not want that but they still refused to take my payments, next thing i know im getting letters from the banks attorney saying i need to pay x amount of money to the bank and the attorney fee 's making it impossible for me to get caught up ... ..2 months later i get a letter saying that a company by the name of vericrest will be servicing my mortgage then another company by the name of caliber will be servicing my mortgage..i have done nothing but tell these people while still giving them the information they request that i dont want a modification i want to get back to the original payment plan ... .2 yrs down the road thay are still asking me for repeat information ... i am clearly being given the run around ... i have sent the modification package in so many times now yet they still say information has gone stale or was not included in the package, i have been working with XXXX here in XXXX XXXX NY and with a court attorney referee from day 1 and still no decision and its been 2 yrs already ... now they say i owe over $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
Hi, Wow, where do I start? I took out an installment loan with a company called Speedy Cash to pay for registration for a new car after my old one was totaled. I was in a bad way, in a difficult job not making a living wage, and had just borrowed money from family to buy the car. I really needed the money, so I took the best deal that I could find. Bad move. 

My credit is n't great ( though it 's light years better than it was even a year ago ), so my loan options are less awesome. Paying Speedy Cash is fairly straightforward, but my issue is with their ACH authorization. 

I now know that I never should have signed that document. I understand that I have the right to revoke authorization, but their agreement stipulates that if I revoke authorization they 'll attempt to withdraw the full amount due for the loan from by bank account via preauthorized draft. I would like to revoke ACH authorization and pay monthly on agreeable terms, but that provision makes revoking authorization impossible. 

I understand that I agreed to this and that there are consequences to that, but still, it seems that this is n't a great situation to be in. I do n't know if you folks can help me, but I sure hope so. 

-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc.
State: IN

Complaint narrative:
FAILED TO VALIDATE DEBT AND WENT ON CREDIT REPORTS IN VIOLATION OF FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I keep being harassed by this company. They call my cell phone very late a night and they insult me and describe me as a " not a real man ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX CA XXXX, has called me repeatedly for at least 6 months accusing me of a credit card debt in XXXX 2014 of over {$800.00}. I have spoken to XXXX representatives and all three have assured me that the last XXXX digits of my SSN and the last XXXX digits of my credit card number do not match the card holder that they want to contact. They promise each time that I will not be contacted again but that has not happened. I noted the names of XXXX of the representatives that have promised to delete my phone number. Those names are XXXX XXXX and XXXX XXXX. I have twice asked to be referred to a supervisor. I waited on the line for 60 minutes and another time for 17 minutes. My credit card co. agrees that I do not owe this amount. Also, Midland is looking for a person that has a slightly different name than the XXXX on all of my credit cards. 
I am really feeling harassed with no end in sight. Can you get them to cease and desist? 
I have blocked XXXX of the phone numbers that Midland uses but they continue to call using different XXXX and XXXX numbers. I am becoming very concerned that my excellent credit rating is going to be compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Speedy cash has had a negative mark on my credit report for years.I applied for a loan from them but got denied due to their files showing I have an unpaid loan.I have never received any money from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: CA

Complaint narrative:
I agreed with the medical center rep to pay a set amount to close out my account. I paid that amount and wrote " Paid IN Full '' on the check, just in case. Sure enough despite being promised the account would show paid they then produced XXXX new bills trying to collect on those as well. I spoke to XXXX at the XXXX XXXX office PRIOR to sending in the paid in full payment. She said she had spoken to the Drs and the amount I paid was the total agreed upon. These following charges were described as follow up visits to my single procedure. They lied and I have proof of it in an email from XXXX.

Company response to consumer: Closed