vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
In or around XX/XX/XXXX, my former XXXX XXXX credit card account was turned over to Portfolio Recovery Associates, a Debt Buyer in XXXX, VA. 

Portfolio Recovery began reporting this alleged Collection Matter to all national credit bureaus, in or around XX/XX/XXXX. 

Portfolio Recovery blatantly misrepresented this alleged Matter from the very beginning, by reporting it as a Brand-new Collection Account, each and every month. 

They did this in : XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ; then, in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. 

As Portfolio Recovery is a Collection Agency to begin with, if an account is with their office, then it is automatically a Collection Account. 

Reporting the Collection Account as being a Brand-new Collection each and every month is a blatant misrepresentation of factual credit account activity, and an attempt to make XXXX types of negative reporting 's, on the same account, at the same time. 

Following my Disputes regarding this Matter with numerous Consumer agencies, I observed that XXXX, as of XX/XX/XXXX, removed the inappropriate reporting 's of " Collection '' from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX reporting 's removed. 

However, XXXX continues to report ( as well as inappropriately reports ) this same Matter as being a Brand-new Collection as of XX/XX/XXXX. 

This is a lie. 

If Portfolio Recovery reported this was a Brand-new Collection beginning in XX/XX/XXXX ( 11 months ago ), IT IS NOT a Brand-new collection almost one year later, in XX/XX/XXXX. 

This is nothing more than an underhanded maneuver by Portfolio Recovery to " update '' this alleged Matter by one year, thereby significantly increasing the negative effect on my credit scores. 

Further, as Portfolio Recovery has removed the XXXX ( XXXX ) highly inappropriate reporting 's following my Disputes of this Matter, this would clearly indicate that the prior reporting by Portfolio Recovery was in fact inappropriate ; that is why they removed it. 

This would bring significant doubt as to the credibility of Portfolio Recovery, and their credit reporting, as a whole. 

Last but not least, Portfolio Recovery reports an alleged balance of {$2000.00} owing on this alleged Collection account, to XXXX. 

However, at XXXX, an alleged balance of approximately {$1400.00} is reported ; a difference of nearly XXXX XXXX dollars. 

This represents a very significant discrepancy in credit reporting between XXXX different bureaus, by the same alleged creditor. 

Given the multiple occurrences of contradictions and discrepancies in their reporting of this alleged Matter, I respectfully request this Matter be fully removed from all major credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 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: MA

Complaint narrative:
XXXX portfolio services are fraudulently reporting on my credit reports claiming that I have a debt with XXXX in the amount of XXXX. This credit card was fraud under my name as I did not open this account After numerous attempts with portfolio, they have not provided me with proof such as my actual signature in opening this such credit card therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 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: WI

Complaint narrative:
did a dispute with PRA llc they sent me XXXX copys of statements that do n't add up looks to be altered but there investigation says it 's valid

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

Complaint narrative:
This company has repeated attempted to collect a debt that is not mine. It has been disputed, when they are unable to provide documentation, they remove this from my credit report. Then a week later, they add it back on to my report, with no additional information. It has also come to my attention that they are not legally authorized to collection debts in my state of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Service International Corp
State: WI

Complaint narrative:
collection was supposed to be removed from all XXXX credit reporting agencys upon payment but is still on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I getting almost daily calls from this agency, threatened and tried to garnish my XXXX benefit, I am still XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Harley Davidson Financial Services Inc
State: PA

Complaint narrative:
Harley Davidson is calling the office for debt collection of an employee that has not been here for over 2 years. When I return there call and try to explain they inform me that they ca n't remove the office number because we do n't have an account number. I do n't know which ex-employee they are calling about so we ca n't get them to stop calling. No name, no information so the calls keep coming multiple times a day and it interferes with us doing our work and we are a XXXX that needs to work with the residents, not get tied up with a debt collection of someone who has not worked here for at least a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
While applying for credit I came to learn that I had a judgement against me from Portfilio Recovery. I immediately disputed the case with the court because I was unaware of this, and the court it was filed in is XXXX miles from where I live. It was filed in the town where my parents live, and my address was listed at my parents house ( an address I have never lived at ). Someone visited my parents house and asked for me, and was told by my mother that I lived in Rhode Island. I remember my mom telling me this years ago thinking it was someone from school. Come to find out reading the documents filed at the court, they stated he left and envelope on my parents door and mailed a USPS first class stamped envelope to the same address. IF he had some such a thing, my parents would have given me an important envelope. Also, it should have been sent certified, anyone can say they mailed something, they ca n't prove they did. I feel that even though they were told that was not my residence, they continued to peruse a suit in that location to force a default judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have told Portfolio Recovery on several occasions to stop calling me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
In XXXX 2015 we recieved a call from an agent at XXXX - XXXX California advising that they are calling all existing lessors that are near expriration to participate in their early return and exchange program and to bring the car for inspection to qualify. I had a XXXX month lease and it will be up in about 5 months. That following week after we got the call, we decided to bring the car in and get it inspected to see if it would qualify into their early return and exchange program. We waited in the dealership while the car is being checked and several hours after that the agent came back and advised us that everything is good and the car was inspected and checked and it is qualified for the said program and that we can select another car or a totally different car and they will take care of terminating the existing lease and the remaining lease and terms. 
We had chosen to upgrade from a XXXX to an XXXX and they asked us to pay for the additional funds to get to the chosen car and we then went on to sign up for a new lease and this time for more monthly payment. We ere coming from a an almost double the monthly payment from $ XXXX monthly to {$680.00} monthly. We paid the additional required down payment, signed the new lease and we drove out with the XXXX. 
Four months later, we received a call from someone at XXXX XXXX advising us that we owe them over {$3000.00} for excess mileage. and we argued to them that we do not believe it so because the dealership did not adrress it then in XXXX 2015 when we exchanged the XXXX to the new XXXX into their so called early return and exchange program and their inspecttion should have addressed that before we even get lured into signing for a new lease. Had we known that then, we should not have gotten into their bait and switch and that they are misleading the consumers and come back to it after the fact and almost to a point of no recourse. 
Honestly, our original plan was to keep the XXXX hybrid lease because of low fuel consumption and we would have gotten it re-written to a purchase but because we were misled the other way, they had induced us to sign up for a lease that is from a {$390.00} to a {$680.00} monthly and they are asking us to pay {$3700.00} thru a collection agency - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ext XXXX as per letter recived from XXXX XXXX of this outfit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FC HoldCo LLC
State: OH

Complaint narrative:
Went in XXXX 2016 applied for vehicle loan, left with vehicle dealership needed more information a week later gave in mean time received a denial letter from finance company and as of yet still have n't received any information from finance company to pay my loan was told from dealership on XXXX XXXX 2016 everything was finally worked out

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 2017-02-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Already XXXX complaint against XXXX XXXX Bank account XXXX is on file report was made on XXXX/XXXX/XXXX this account maliciously report false information to my credit report knowing my situation ; the cpfb report # is XXXX. Futhermore they continue doing it now through a third party debt collection agency Portfolio Recovery which report to my credit report last XXXX XXXX for the sum of {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX a XXXX Country Sheriff went to my parents house in XXXX, PA to an address I have not lived at it over 5 years, nor the address on the account in question. I was immediately contacted by my parents, and reached out to the sheriffs office to find out what paper were being server. The papers were a lawsuit filed by Portfolio Recovery Associates LLC for a debt from a overdue credit account. They would not provide me with the details of the account information. They continued to call my parents house after the sheriff was told I no longer lived at that address. On XX/XX/XXXX I contacted Portfolio Recovery Associates to make payment in full for the debt to resolve the issue from my credit report. The payment was verbally authorized to be made on XX/XX/XXXX. As of today the payment still has not been withdrawn, and when I contacted Portfolio Recovery Associates I was told, " We 'll see you in court. '' And hung up the phone. I 've filed a dispute with XXXX, and Portfolio recovery is now causing damages to my mortgage application, because of not accepting payment in full. I have filed a stop payment order with my bank and I will not continue correspondence with this company. I only made the attempt to pay it off to avoid legal costs and have it removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have told this company several times to stop contacting me. They are continuously calling me about a deb that is over 12 years old. They insist they can still keep calling me. The even had the nerve to harass me on XX/XX/XXXX. I told them the first time to stop harassing me and they told me it is not harassment. I will not continue to be harassed nor bullied by this company. My cell phone provider even considers them scammers and it automatically blocks the call and sends it to voice mail. I told them the debt is too old and to stop calling about it. I also told them I would be reporting them to The FTC and the representative did not seem to care I would be doing it and also stated that they can and will still pursue this ancient debt. I am a XXXX woman and I have a lot of problems. I do not need to be upset constantly by these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04 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 has refused to delete a judgement for an account that does not belong to me. I have written to them and the original creditor, and proven that the account was not opened by me, but they have cntinued to report this to the credit bureaus and this has caused me great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2015, I submitted applications to XXXX, XXXX and XXXX ( collectively " The Agencies '' ) and obtained reports from XXXX and XXXX. 
Within the XXXX reports I received, are tradelines from PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ). On XXXX XXXX, 2015, I sent to PRA via certified mail, return receipt a Request for Validation ( Request ) for the alleged debt PRA has reported to XXXX and XXXX, and possibly to XXXX. My Request to PRA was received on XXXX XXXX, 2015. 
In my Request to PRA, I requested specific documentation be provided to me within 30 calendar days. The documentation I requested would, if provided, prove : 1 ) the debt PRA has alleged I owe, is indeed valid : and, 2 ) I legally owe said debt to PRA. However, if the documentation could not be provided, the lack thereof would serve to prove : 1 ) the debt PRA has alleged I owe is invalid ; and, 2 ) that I do not legally owe said debt to PRA. 
On XXXX XXXX, 2015, ( 30+ calendar days after XXXX XXXX, 2015 ), in response to PRA 's failure/refusal to respond to my Request, I sent a letter to PRA , via certified mail, return receipt. Therein that letter, I informed PRA that as a result of its failure or refusal to produce the required information and documentation needed in order to validate the alleged debt, same can not be considered as valid or legally enforceable by PRA, and, as such, PRA is required by law to contact " The Agencies '' so as to delete the tradeline associated with the alleged debt PRA claims I owe, but can not, or has refused to, validate. Also therein that same letter, I informed PRA that I would be sending to " The Agencies '' a copy of the Request. And on XXXX XXXX, 2015, I did send copies of the Request for Validation to " The Agencies. " In addition to the copies of the Request I contacted " The Agencies '' via telephone or online, reporting disputes to the tradeline associated with PRA. On XXXX XXXX, 2015, I contacted Experian via telephone making a dispute therewith, against PRA. On XXXX XXXX, 2015, I made disputes with Equifax and TransUnion against PRA via their online dispute submission form. To date, PRA has failed or is refusing to Validate the debt it claims I owe and which it is reporting to " The Agencies. '' The false and fraudulent reporting by PRA has possibly resulted in not only a loss of employment opportunities for me, but also loans which I have applied for in order to pay for college tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Applied for financing at Toyota for a lease buyout on existing lease for a Toyota Camry or new lease. My 3 year lease is ending in XXXX 2016. I am currently XXXX miles over mileage allowance. I have paid monthly on my lease for 2 1/2 years although some were just past grace period. Toyota XXXX the amount of my lease due to location of vehicle and ended up refunding me over payments, however even though I have been reliable with payments, they are denying me a buyout plan, due to other delinquencies. My rental property was severely damaged in hurricane sandy and I did fall behind with a few payments for creditors that did not offer me payment plans, however I am turning the corner financially and most creditors are on time. Prior to that storm I had XXXX years of solid credit history. I was denied in a letter dtd XXXX/XXXX/2016 application submitted by XXXX application XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 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: MD

Complaint narrative:
I disputed a fraudulent account with Portifolio Recovery Associates in XXXX 2016. This account is still reporting on my credit reports. I have contacted them several timesmall and they stated this account will be removed within 30 days of completion. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Services LLC, placed a collections on my account. I submitted a dispute via XXXX and XXXX. The collections was removed on XX/XX/2016, on the same day, Portfolio Recovery Services LLC placed the collections back on my credit report listing it as a new collections. This caused my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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: VA

Complaint narrative:
I have been repeatedly disputing this debt due to fraudulent activity on my credit. I have now recently received XXXX letters in the mail yesterday from Portfolio Recovery Associates stating that they have received my disputes ( several ) in regards to an account opened in 2007, yet will not remove it because THEY say it is my responsibility. They also state in the letters that if any more disputes/inquiries are received that they will be handled as " responded '' and no longer investigated. I have disputes that have been resolved very simply with other companies for the exact same reason. I have filled out affadavits with other agencies and cooperated with information that was requested by them. This is not the case with PRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 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: PA

Complaint narrative:
For over two weeks ( today is XX/XX/XXXX ), my husband and I have been receiving phone calls, day and afternoon, and evening, from a company called Portfolio Recovery Associates. Sometimes, it is several times per day. They do not leave a message, or when we do pick up the phone, there is no one there -- it 's just dead space. I have called one of the numbers back ( this company has a lot of different numbers ), and I have gotten a person. This employee of Portfolio Recovery insisted on knowing my name, which I refused to give to her. WE HAVE EXCELLENT CREDIT RATINGS AND NO, NO, NO DEBTS IN ARREARS, EITHER NOW OR IN THE PAST. I told her this and demanded that our phone number ( a land line ) be taken off their list. ( I had called their number, XXXX, prefacing it with XXXX, so they would not see our names in their caller ID. ) She could NOT tell me my name, and I kept saying that several other people had had our new phone number ( before we obtained it, three months ago, XXXX. ) She said she would 'take your number out of our system. '' I said that if she did not, ourlawyer would be getting involved. I know that I will be getting more calls from these unethical people. I have read horror stories about this company and others, who harass people such as us who DO NOT HAVE ANY DEBTS IN ARREARS!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I HAD AN XXXX LEXUS FINANCED THRU LEXUS FINANCAL XXXX. IT BURNED UP ON WAY HOME AND XXXX PAID ALL BUT XXXX OFF. I HAD PURCHASED A GAP POLICY FROM XXXX TOYOA, WHEN I BOUGHT T IT WAS A U.W.C GAP POLICY OWNE D BY XXXX XXXX THAY REFUSED TO PAY CLAIM OR REFUNF MY MONEY FOR IT I PAID TO RESOLVE BALANCE. LEXUS TOYOTA FINANCIAL IS RUINING MY CREDIT WITH LATE PAYMENTS AND COLLECTION ACTIVITYS

Company response to consumer: Closed with non-monetary relief