vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings
State: UT

Complaint narrative:
A debt appeared on my credit report that was/is not mine. I contacted the collection firm and informed them it was not mine, but my statement had no effect.

Company response to consumer: Closed
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
XXXX has not sent my request of a signed validated copy of my signature for the debt they say I owe ... I have sent several letters asking for any documentation with my signature and snd they continue to report to the credit bureaus in a fraudulent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
I purchased a Harley Davidson with a warranty. Every time I went to use the warranty Harley would not accept it and I would have to pay full price. I asked for the warranty cancelled and a refund and Harley refused. They used bait and switch tactics to place a useless warranty on my bike to increase my payments and the interest collected. They also engaged in predatory lending as my interest rate is excessive. I am requesting my warranty refunded and my interest rate reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Payments were made to collection agency and then account was proven to have been fraudulent transactions. Collection agency has been giving me the run around concerning returning payments made even after I have provided letter from original creditor stating charges were not mine and also stating that payments were not returned to original creditor when the loan was

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have been sued by Portfolio Recovery Associates. this took place during a time when I was under great duress from caring for XXXX XXXX parents. I did not have the time or the resources to question/fight the suit. I have been reading about the current ruling against PRA and XXXX XXXX regarding their business practices and robosigning of law suits and believe I am XXXX of their victims. PRA would call many many times a day and never ever leave a message. the next thing I knew here comes the lawsuit. I believe that the documentation presented to the court was robo-signed and just defaulted to me because I was afraid of being sued so I agreed to a payment plan with strong urging from the " Legal Dept '' at PRA I have attached all documents pertaining to this suit as well as a current letter received from PRA advising me I can ask for copies of documentation ( which I will ) but it 's making me think that this is not a properly documented judgement

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 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: WI

Complaint narrative:
I had a credit card from XXXX XXXX ( credit provided by XXXX XXXX ) that I paid and closed back in XXXX 2013. I 've been contacted over the last year by Portfolio Collections claiming I owe XXXX for this same account in the amount of {$420.00}. I provided proof 3x ( copies of my credit report with identical account numbers reflect Paid & Closed ). They still refused to remove the collection from my credit report. They claim that XXXX is saying it 's valid. But when I contacted XXXX they tell me they never had any communication with the collection agency that has the account. I have going back and forth for almost a year trying to get this removed and so far no luck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
This phone number keeps calling numerous times a day and leaving no voicemail so it is auto dialing which is against federal law. When you call the number back it states invalid to call another number which again is against federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 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 collecting keep calling my phone. I stated to them that they must be looking for my father. Additionally, I am on the do not call list and I keep getting calls. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 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: AZ

Complaint narrative:
Several years ago, this company ( Portfolio Recovery ) contacted me about owing this debt that they claimed resulted from a XXXX XXXX Credit Card. I began to pay but questioned whether or not I paid off the account. I stopped using the XXXX Card in XXXX because I knew I could not afford it ; however, I thought I paid off the account within a couple of years. I requested proof that I owed, and never received proof nor further communication from Portfolio Recovery. When I contacted the XXXX to initiate complaint against Portfolio, XXXX could not find the correct address associated with Portfolio Recover. Now, according to the Credit Bureaus, Portfolio is making it look like I opened an account in XXXX and have not paid on it. Which is not true. I have not reestablished having a credit card because I want to clear up and fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/2017 Re : Account ending in XXXX : Seller XXXX/ Original Creditor : XXXX Creditor to whom debt is owed : Portfolio Recovery Associates LLC {$840.00} ( {$840.00} ) Called after sent written cease of communication notice. This is the 2nd written communication! They are still calling and we can see calls on TV screen with our phone service thru XXXX. Repeated calls at all hours. They have no respect for the laws of this Country ( USA ) and for other human beings. They have no shame!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 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: MN

Complaint narrative:
There is no description for my issue listed above. Intimidation by mail and discrimination based on gender and income-level is rather missing. That will have to be the closest. 

Multiple months after any prior contact from them, Portfolio Recovery Associates LLC and its attorneys has seen fit to send me a letter informing me that I may request documentation concerning my original account. While that is entirely legal, disappearing for months and then coming at me out of the blue is reprehensible at best, and is a clear tactic designed to catch me off-guard in an effort to con me into paying them. As stated in the past, I will work with agencies who act ethically and stay within certain principles. At no time has Portfolio Recovery Associates -- or their attorneys, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX -- shown themselves to meet these criterion. This is blatant harassment of someone on Supplemental Security Income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 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: GA

Complaint narrative:
portfolio Recovery Associates is attempting to collect a debt in which they are not licensed to do so in my state. The account which is in question is XXXX. This account is also be re-aged and is falsely being reported on all XXXX of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
I asked for GAP insurance but was blindsided with a cheap warranty from XXXX. Now that the lease is totaled out by my insurance, XXXX wants me to payoff the remaining XXXX dollars that my GAP insurance was supposed to have covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I authorized Portfolio Recovery Associates to withdraw XXXX from my account monthly to pay on a closed XXXX. Instead, they took out XXXX. They did not have an answer when I called and asked why it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Toyota Financial Services called my workplace and spoke to my co-worker and told him she was allowed to call me at work and that she was calling because I was behind on my payments on my car. The Representative 's name was XXXX and ID is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02 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: KS

Complaint narrative:
The Merchant XXXX XXXX and XXXX XXXX, according to the debt collecter, Portfolio Recover Associates, LLC, sold them the debt. I never received a bill from The XXXX XXXX or XXXX. When I asked the debt collector what it was I bought, they could not provide that information. When I asked them to provide my signatures on the CC slip, they could not provide that either. The representative told me that I set up the account without knowing it. What really hurt me is that the debt shows bad on my credit report. Therefore, they probably have my social security #. I know they at least have the last XXXX. They have called my house also to try to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
BACKGROUND INFORMATION : I took over a 3-year lease on a XXXX Toyota Corolla from my brother-in-law, who no longer needed the car due to his relocation for a PhD program. I agreed to carry out the remaining 10 months of the lease agreement. After paying Toyota the lease transfer fees, I noticed problems in my credit. My FICO credit score is good ( XXXX-XXXX ) -- this has remained generally constant. Nevertheless, I did notice irregularities in my credit report that are disconcerting to me. For instance, my place of employment lists his employer from XXXX state ( I live in XXXX ) and his date of birth appears on MY credit score. This scared me ; therefore, I wrote a letter to Toyota Financial Services requesting they fix the issue and explain how it could have happened and encouraging them to look into others ' lease transfers for such errors. I sent this letter XXXX XXXX, XXXX, and have not received any response in return. I was able to dispute the errors with XXXX, XXXX, and XXXX, and successfully ( I hope? ) have the errors corrected. Nevertheless, I am mostly infuriated that I NEVER received a response from Toyota in response to my problem. I even called Toyota expecting a call back, and they have ignored me at every step. 

Please see copy of letter I sent out last month requesting an explanation and relief by rectifying errors with the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 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:
Portfolio Recovery is calling my house at all hours of the day/night. I do not owe a debt to anyone. I have told numerous representatives on numerous times that they have the wrong phone number. I chatted with a representative online who said my phone number would be removed from the list. They called me again, at XXXX tonight, XXXX days later. They are harassing me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 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: OH

Complaint narrative:
They called and gave out all of my personal info without verifying who they were or if they were talking to the right person. They gave out my American address and last XXXX of my social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Portfolio Recovery Systems has filed a suit against me on a bill that has been payed in full. The bill was {$650.00}, through XXXX. On XX/XX/XXXX, I paid {$400.00} drawn from my personal bank account. Then on XX/XX/XXXX I paid the remaining bill of {$250.00}. I have asked several times to be sent a letter indicating that the bill has been payed. Portfolio Recovery Systems has refused and even filed a law suit against me even after bill had been paid in full. They also have refused to indicate to creditors that the bill has been paid in full, purposely ruining my credit and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 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: NJ

Complaint narrative:
I stupidly agreed to pay the amount of {$170.00} a month for 6 months with Portfolio and once had to make payment 3 days after due date. When I called, I was told that my agreement was now null and void and had to pay FULL amount throughout XXXX. I asked for Debt verification letter and company still tried to charge me the {$170.00} which caused my bank account to overdraft. I called company and was told to speak to the legal department, which I did. The woman told me to email her supervisor with proof of overdraft and they would reimburse me. I did XXXX times and still have yet to hear anything or receive and reimbursement. I have not received debt verification letter either. I believe this company is committing fraud and until proven otherwise will continue to fight for my hard earned money. I am a victim of identity theft due to being a federal employee so I have no idea what these hackers had access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
receive multiple calls daily from Harley Davidson Fin. serv. XXXX a nd three times daily at various hours. This in regards to a 2014 Harley XXXX I 've had the MC for appx 14 mos. I have repeatedly told this co. that I can not afford to pay for it. I also informed this co. several times that I took all insurance off the bike. Harley continues to make calls to me. I said that they could have the MC back for {$1800.00} that I paid to have extra parts put on the bike. I kept my payments on time for over a year. I paid XXXX cash money for a Harley. Now, Harley is threating repo. Due to all these harassing calls, I feel that debt is paid in full and my intent is to file harassment charges against Harley.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This complaint is regarding a debt of which I XXXX XXXX advised the company PRA Portfolio Recovery Associates LLC. that I would pay a settlement or a portion of the amount owed by my son XXXX XXXX. My son XXXX XXXX gave PRA permissin to speak with me regarding his account. Arrangements were made on XXXX/XXXX/2015 after receiving notification from local law offices that a judgement had been filed against my son however, we never received notification via mail of the judgement from PRA.. In order to to settle the debt which the original amount owed was {$2600.00} however, the settlement I agreed upon was made for total of {$1800.00} a difference of {$800.00} taken off the original balance. The agreement made included giving PRA permission to debit my checking account beginning XXXX/XXXX/2015 in bi weekly in the amount of XXXX to conclude when the total balance of {$1800.00} was paid off. I requested documentation of the settlement agreement with the current settlement balance owed on several occasions XXXX/XXXX/2015 and again on XXXX/XXXX/2015 speaking to several representatives who all told me they would not provide me with a letter outlining the agreement. XXXX representative told me on XXXX/XXXX/2015 that PRA " did not put the current settlement balance on documentation just in case a consumer defaulted on the payment agreement then they could go back and recoup the original amount so they just left the original balance on all documentation. " I requested this documentation be placed in writing based on the companies past track record of unethical businesses practices under the FDCPA including continued collection on debt paid or not owed. Again after spending two hours on the phone I was not able to get the agreement in writing. I called the FTC regarding the issue and thus filed a complaint. I put the company on notice that I was filing a complaint with CFPB and I would be placing this in writing via certified mail that due to their refusal to give me something in writing of the settlement agreement and current balance owed that they were to cease debiting my checking account. I advised that once I received the written notice of the agreement that I would resume payments as agreed. XXXX XXXX should have been notified of any or all legal actions by PRA prior to this company filing judgement thus, giving him an opportunity to clear up the debt however, proper notification was not made to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
THIS IS MY SECOND COMPLAINT AGAINST TOYOTA FINANCIAL. The response received on the first complaint DID NOT address the issue, and they are not taking responsibility. Because of this, they have placed my family in a HUGE financial bind. I am due with baby in three months and need this resolved before then so that my husband can get a job. I had/have attached a copy of the backup I have from TFS proving they are at fault. I have XXXX additional letters that are the same. They are stating they have no records of these. 

ORIGINAL POST : My husband and I had an auto loan with Toyota Financial Services since 2010. It has since been paid in full as of this year. Our credit history with them has been nothing less of perfection up until the last few months of the loan. There were several attempts on our end to make payments electronically as we had been for years. We received letters from Toyota Financial ( XXXX of them ) apologizing for not being able to process our payments, even though funds were available. Due to this technical issue, our account became delinquent and recorded at 90 days late. Toyota Financial was able to remove XXXX, but pointed us to the direction of their credit repair department ( whom you can not speak with and can only submit letters to ) Out of desperation, we wrote to them and apologized for the issue, though not being our fault at all, and requested they remove the negative information as my husband is unable to obtain a qualifying job position due to his credit report ( only negative info is from XXXX ) We have been dealing with this for over 3 months now with no resolve. Now, my family is dealing with the financial burdens of my husband being unable to secure a job due to this issue. We have a 17 month old daughter with another on the way expected in 4 months time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am an attorney representing a client who was contacted about a debt he does not owe. On his own he disputed the debt, and the collector, Portfolio Recovery Associates, sent out documents that appear to be forged or altered. My client made XXXX other attempts to get verification. I filed a FDCPA complaint against PRA, including fraud for the fabricated documents. In the course of my research I discovered the Consent Order, 2015-CFPBXXXX which detailed many of PRA 's tactics. My case is : in the XXXX Michigan. XXXX of my investigators made contact with your agency when I was seeking support for a documents/forgery expert. I have not yet called the FBI for an investigation but I was interested in finding out if someone from your agency would be able to provide me with an affidavit regarding some of the deceptive practices PRA engages in. I also wanted to alert your agency as this may be a violation of the Consent Order. 
The information supplied is for me and/or my firm, except that I supplied the last XXXX digits to my client 's social security number.

Company response to consumer: Closed with explanation