vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: OpenRoad Lending
State: CA

Complaint narrative:
I performed the initial steps to see loan refinance options with " Open Road Lending. '' They presented themselves as a middle man of sorts. They would find the best banks and then they would pass along the information. I received a call from one of their representatives stating that they could only talk on the phone. I called the customer representative and gave him the information. I informed him that my only income comes from a XXXX pension. He said, " you 're XXXX? '' I answered yes and said I was on this retirement for 5 years. He questioned how I can be XXXX and have been XXXX when I was XXXX. He then said " this is a problem, the banks wont like it. '' He promised a return call. All I received was an automated email. I wrote a certified letter to the company, asking for the removal of the inquiries. They sent back an official denial letter, stating that they are a dealership, not what they advertised. I submitted a review online to XXXX XXXX, and they responded by saying that they are not a dealership. This is definitely something that a layman would not have picked up, and is deceptive. Their comments regarding my XXXX were borderline harassment, and were discriminatory in nature. The banks that they did send it to were some credit unions in Texas, the same state that " Open Road Lending '' operates.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
i purchased and financed an engagement ring for my spouse from zales jewelry on XX/XX/2011, i financed the ring based upon decision from my credit report by the business. 
i fully paid off the ring and they never reported this financing to my credit, when i call them they are unable to assist me. i paid them more than XXXX dollars close to XXXX dollars with finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
In XXXX, I got behind on my mortgage payments due to a significant decrease of income which started two years before but I was able to stay afloat using my savings. After XXXX failed attempts to modify my loan ( the XXXX time due to insufficient income and the XXXX due to excessive income ), on XXXX, I was finally approved through HAMP, basically with the same information provided originally. The approval documents sent to me showed an increase of {$46000.00} on the principal. Since that moment, I have been, repeatedly, requesting an itemized information on the fees that caused such increase. On XXXX XXXX, I did start the trial period which ended on XXXX XXXX. I have been making my monthly payments for all this time and also continued disputing this {$46000.00}. Only last XXXX, XXXX, The bank sent a list of charges made to my account that included payments to force placed insurance and taxes, a {$35000.00} of unpaid interest as well as a long list of charges that no one have been able to explain. I have proved to the bank that taxes and insurance were paid by me. I considered the unpaid interest to be excessive so I asked for the formula used to calculate the unpaid interest. I have been requesting a review and recalculation of my debt but it seems like there is nobody on the other side. I have also found that more fees have been added to my account for things like drive by inspections performed recently, Corp. Adv. XXXX Gen. ( which no one could explain ), returned check fees which could n't be for I 've paid by phone, including an item described as unknown. 
At this point, the different departments involved have not taken any responsibility in clarifying what have they done whit this loan, nevertheless fixing it. It is clear to me that at the time this loan modification was processed, the staff involved did not have appropriate training and knowledge resulting in an unfair treatment to my case. To make things worse, every time I 've called for clarifications on documents sent in response to my questions, XXXX they give me a totally different answer from that in the paper and XXXX, when I refer to the document itself they seem not to have a copy in their records. I do believe their broken system is also negatively affecting this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JAMES B. NUTTER & COMPANY
State: PA

Complaint narrative:
James B. Nutter bank is not working with me and I put in a complaint with FHA and not hearing back from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I was late on making a payment for XXXX. I had thought I paid via phone. I spoke with a representative last night who called from an XXXX number. When she advised I was 21 days past due I told her I would look into my account today and call them back today. This morning my cell phone rings and the # is identified as a wireless caller from XXXX # XXXX XXXX XXXX. I have had numerous call from this # with no message. My cell phone is a business phone and I have business in that area. During work XXXX. I answered the call and they gentleman identified himself at that time as working for Flagship Credit Acceptance. I advised him I spoke with someone last night and would be contacting them later today on the matter .... I hung up called back the # and it does state when you call back that you are calling Flagship Credit Acceptance. I requested to speak with a supervisor because I believe this is a deceptive act. The employee who answered the phone would not provide me with a supervisor unless I provided him the last XXXX of my ss # and hung up on me. 
I believe it is unfair to call from false # 's or incorrectly identifying # when trying to collect a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 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: MO

Complaint narrative:
Portfolio Recovery Associates and I have never entered into any contractual agreement. They are/and have been attempting to EXTORT me out of a FRAUDULENT debt of {$710.00}. Again I have never did business or entered into any contractual agreement with this company neither any of there associates. As a Result this company has been Bullying, Harassing and THREATENING me and my family on the phone, aswell as damaged my credit report with this FRADULANT charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 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: TX

Complaint narrative:
I recently made an inter-state move XXXX. A few weeks after I l moved into my new apartment, I received a letter requesting that I pay a balance to " Portfolio Recovery Associates '' for a credit owed on XXXX XXXX credit card. I have never had a XXXX XXXX XXXX, and the letter was addressed to somebody with my surname but the wrong first name. I ignored the issue figuring it was a scam. I just received the second letter from the same company, this time claiming to be owed a debt on XXXX XXXX Credit Card. I do own such a card but have no outstanding debt.

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

Complaint narrative:
I 'm in the process of trying to get validation of an item on my credit report. I 've disputed this item with the collection agency along with credit bureau and no documentation was provided. I was never provided any documentation validating the debt ( signed application ). I have attached my documentation requesting proof/validation that I sent to them and have yet to receive. I 've attached all the communications I 've forward to the collection agency, and credit bureau. 

The item in question is the following : PORTFOLIO RECOVERYXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX : {$1100.00}

Company response to consumer: Closed with explanation
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: CA

Complaint narrative:
Portfolio Recovery Associates contacted me on XXXX XXXX, 2014, Via XXXX MAIL, telling me to pay them {$840.00} for XXXX XXXX account number XXXX. Concerned, I called them the following day on XXXX XXXX, 2014 and I Paid them the full amount they requested immediately, assuming they had correct information. 
After that, upon inquiring about it directly with XXXX XXXX, it became evident that the account was in error and XXXX XXXX subsequently & Immediately deleted their negative reporting of the account from all three Credit Bureaus. I have tried repeatedly to contact Portfolio Recovery and they are still reporting it despite it being deleted from the original debt holder, XXXX XXXX. 

PLEASE help me. Portfolio Recovery has turned out to be an extortion company that got money from me and is still reporting an account that was in error from the original holder, XXXX XXXX. 

Best regards- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio RC This company did NOT respond to my direct dispute within 30 days. I sent them a certified letter ( XX/XX/XXXX ) disputing incorrect delinquent account dates, that this account was more than 7 years old. They ignored my letter. Then when I filed a dispute with TransUnion to delete it, they conducted their own investigation after I sent them supporting documents that this dispute to Portfolio RC went unanswered within the specified time frame according to the FACT act ( XX/XX/XXXX ). They have had ample time to delete this information from my credit report. They 're indifference to my situation is keeping me from purchasing a home! I have re sent certified mail as of XXXX/XXXX/XXXX to XXXX, XXXX, XXXX, & PORTFOLIO RC with supporting documents to back up my claim that they have violated the FACT ACT and that these furnishers have failed in their DUTY TO CORRECT AND UPDATE INFORMATION & ( FCRA 623 ( a ) ) DUTY TO PROVIDE ACCURATE INFORMATION. These documents were confirmed delivered to recipients by USPS.com tracking, and they have still not deleted this information off of my credit report. Evidence included in these packets : original dispute letter with certified tracking ticket, USPS.com tracking confirmation that they were hand delivered ( PORTFOLIO RC denied that they received anything during a follow up phone call ), and transcribed scripted phone calls with this company, including representatives that I spoke with and ID numbers of said representatives. I am an educated consumer and I am aware of my rights. They have clearly violated the FACT ACT introduced by congress XX/XX/XXXX. This act allows the consumer to directly dispute with furnishers ( third party collection agencies ). These furnishers continue to report false information to the CRAs and are keeping me from purchasing a home. I will file with small claims court if I have to. I have more than enough evidence to prove my claims. This is a gross injustice to me as a human being. I want this information deleted from my credit report immediately. Time is NOT on my side anymore. I am tired of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 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:
My XXXX died owing a credit card debt. The debt collectors say I now owe the debt. My name is not on the application for credit nor have I benefited from the credit card. The debt collectors reported it to the credit reporting corps. and it appears on my credit report as a debt I failed to pay and fraud. I am applying to refinance my home and I am being denied because of the report. I have no other blemishes on my credit report. I ca n't sleep with the fear of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I had several XXXX XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Prior to my account becoming late, I contacted the Toyota Financial. I was told that I would be able to put the payments that I would miss on the end of the loan, so my account would not go late and would remain current. I was assured by the representative this would not result in me being reported late. It would however, result in my loan being extended. I agreed with the assurance that my credit would not be late. Nevertheless, I was given the wrong information, and Toyota reported my account late. I have tried the last 8 months to no avail. I was duped into extended my loan and the item being reported late on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 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: AL

Complaint narrative:
I was told that this old account was re-aged and sold to Portfolio Recovery. I contacted Portfolio Recovery and worked aggressively to pay this off within months by making doubled payments and large debit amounts as agreed by payment plan with myself and Portfolio Recovery. I made the final payment before the plan was up because the rep and Account Manager told me the file would be closed and removed from my credit files. I have never received correspondence from them as paid in full or it removed from my credit files. I have sent them numerous goodwill letters and they have never responded. I would have never paid them in full and before the payment plan was up if they never agreed to remove this from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18 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:
I made a settelment amount paid it and they are showing on my credit report that i still have a balance in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: TX

Complaint narrative:
The current issue is with the NACA HAND / Rehab Dept. I have been attempting to communicate and to have final inspection of the house / rehab work conducted. HAND needs to disburse rehab funds, to the contractor, that are held in escrow as part of the loan / funding agreement with XXXX XXXX XXXX. Funds will be disbursed, once rehab work is inspected by a NACA assigned and certified inspector. The initial request for final inspection, was sent XX/XX/XXXX ; via fax, as instructed on the HAND docs. Follow-up email sent to HAND Rep on XXXX XXXX 2016 - To no answer. After multiple phone calls, voice mails, faxes, and emails to the NACA HAND Dept / assigned rep of the past couple of months, I have not been able to functionally converse with anyone ; to finish this process. I have been contacted by over XXXX HAND reps, and have been copied on XXXX requests to inspectors, to no outcome. This has been on-going for nearly 3 months ( 80+ days ) which is highly unacceptable. Most recent email requesting to communicate sent on XXXX/XXXX/16. 

The contractor has threatened to file suit against myself, and NACA. Which at this point would be honestly justified. In accordance I, the loan holder, will also file suit against NACA. The HAND department has shown an abundance of avoidance, and gross negligence, to properly conduct a functioning business ; with reasonable and ethical standards of practice. As a personal result to this ; from the avoidance to pay the debt owed to the contractor ; by NACA. I now fear my phone ringing, in fear that it is the contractor. And I have no answer to provide on payment. In short : NACA owes the contractor for work completed in the property I reside in, and I am reminded of that fact daily. I am not used to collection practices, nor have accounts that are late or in collections. And in whole, this process has been interfering with my time, and interfering with my work. As the only time to attempt to reach HAND is during my working hours. More often than not, to a phone that goes un-answered. I can not continue to step away to hope someone at NACA answers a phone, or to send another email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
XXXX Bank sold my charged off acct to Portfolio Recovery Assocs. Portfolio Assocs ruined my repaired credit using using illegal attempts to collect the wrong amount. I filed a complaint with your ( CFPB ) company and Portfolio will only reply with the same XXXX inaccurate statements that they received from XXXX. There is a court order against XXXX and XXXX was to apply credits to qualified XXXX acct holders accounts. XXXX spun off from XXXX and acquired many accounts of which XXXX was to apply the deductions. XXXX DID NOT apply deductions to my charged off account and when I called again on XXXX/XXXX/XXXX @ XXXX, I was advised by the below identified XXXX Bank Associate that I would not be able to get any eligibility information concerning the CFPB Order against XXXX XXXX XXXX unless I called Portfolio Recovery Associates. How? XXXX has the account information. Portfolio only has XXXX statements with the incorrect amount on them. Not providing information regarding deductions in relation to the court order on a qualified account is a violation of the court order ; less more selling the account under an incorrect amount. I am attaching my credit report of XXXX XXXX, XXXX which reads correct charge off amount of {$1700.00} not {$1900.00} as requested by Portfolio Recovery Assocs. This report also shows proof of payments totaling {$650.00} that had not been deducted from the {$1700.00} which would leave a balance of {$1100.00}. I had this account since XXXX of XXXX. What about the interest from those years? I have suffered great damage under Portfolio 's attack on m credit. My score has fallen XXXX points on XXXX and XXXX on XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Stated they were collecting a debt regarding a XXXX XXXX card. I have never owned or used a XXXX XXXX credit card as evidenced by my credit report history. 
I 've asked to be removed from their call list and they refused. They 've called several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: GA

Complaint narrative:
My car loan company is automatically ai n't a late fee to my monthly payment saying is just in case i do n't pay on time. However, the amount with the fee shows the amount of my monthly payment. When i asked them if the extra charge goes to my principle when i pay on time, nobody claims to know. So, every month, they ate putting the {$50.00} wherever they choose which is not fair based on the fact that I am paying on time. 
Additionally, I have paid my car note late and there was an additional charge so it 's {$50.00} is the late fee where is there an extra charge over and above the {$50.00} if I pay it late? And when I pay it on time based on the statement I should only be paying {$460.00}.

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 2017-01-11 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: MA

Complaint narrative:
I opened a XXXX account on XX/XX/2013 and made XXXX purchase. The first bill was deliberately sent late so that I was required to pay a late fee. I wrote XXXX a letter pointing out that the invoice was sent After the due date paid them the amount of the merchandise and cancelled the card. The company has continued to rack up finance charges and has hired Portfolio Recovery to harass me relentlessly by calling. I made a mistake of writing a check to Portfolio Recovery ( XXXX ) thinking that it was an investment account which made the situation worse and amped up the harassment. The charges are all conquered finance penalties that were wrongly charged from the beginning. 

Thank you for any assistance in this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 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: CA

Complaint narrative:
this company harass me for the pass 10 years for a credit card who they had each year interest I use this card for one time 10 years ago and then I cancelled but I pay the purchase I made when I got the bill at the end of the month. the company is called portfolio rec. phone numberXXXX also a phone number XXXXXXXXn XXXX XXXX same company please help me to stop them to harass me thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Calls my job repeatedly and asks for my ex-boyfriend. got rude with me and threatened me

Company response to consumer: Closed with non-monetary relief