vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-05 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TO : Portfolio Recovery Associates , LLC ACC # ACC # XXXX Account Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RECOVERY A ACC # XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is trying to collect on a XXXX year old debit, from a traffic ticket, I paid off 5 years ago, and re-acquired my drivers license from the state in question. 

They continue to contact me via calls at my place of employment, during working hours, as well as sending threatening letters to my place of employment. I am about to lose my position with this company, if this harassment does not stop now. They called from : XXXX today XXXX/XXXX/XXXX at XXXX. 

Point in case : " PORTFOLIO RECOVERY ASSOCIATES AKA XXXXGood news, they got slapped hard for XXXX XXXX recently : Also the NY AG slapped them again it seems : ... in new york CFPB fines them for lying : - ... lect-bad-debts/Posted in : I have to wonder why an allegedly legitimate business would need so many phone numbers to call out on? Make sure you read how they just lost an XXXX XXXX dollar lawsuit. Make sure you read how the NY AG spanked them bad on XXXX XXXX, XXXX. XXXX page with XXXX complaints in a government action from the State of New York. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 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: MI

Complaint narrative:
These people keep calling and harassing me at all hours of the day and night. Very rude and unprofessional. 
I just block them now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity Bank has obtained phone numbers of individuals who have nothing to do with the debt in question. An individual named XXXX contacted my son and specifically stated the call was in relation to an attempt to collect a debt. My son is not listed on this debt nor is he responsible for this debt. She also contacted an individual named XXXX XXXX, who has no relationship to me and no need to be contacted in any way. How both of these numbers were obtained is unknown to me. The number she called from is XXXX extensionXXXX. I attempted to find out how thes numbers were obtained with no success. When asked if there was a XXXX XXXX, they responded they had no knowledge of anyone by that name. When asked for the full name of the person I was talking to, he refused saying only his name is XXXX. Nor would he provide a direct number. 

I am well aware of this debt and have made small payments towards it upon getting a job after a period of unemployment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
They have called multiple times even after contact, sometimes XXXX to XXXX times a day. It is a debt from 2007 which is past the 7 year period. I have spoke to theit legal department and they refuse to give me an address where I can send a cease and desist letter via certified mail. XXXX man told me he will call my children 's children if that what it takes to collect as long as it takes. The state laws do n't apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 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: AL

Complaint narrative:
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 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: AL

Complaint narrative:
many telephone calls from some guy calling himself XXXX XXXX at XXXX extension XXXX. He said he 's collecting for XXXX and I told him I had never had an account with XXXX and do not have an account with XXXX and he threatened me. Said if I did not give him personal information that he would just keep trying to get payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My bank waits to " run " my direct deposit a few hours after they process withdrawals on my account. Are n't banks supposed to do all deposits first, then work on the withdrawals?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I contacted protfolio recovery services in regards to XXXX debts that were showing on my credit report. While on the phone with portfolio r/s they told me they have " XXXX accounts on file '' XXXX of which were time-barred debts I had no knowledge of. After requesting Information on XXXX debts that were NOT time barred and may be valid, I hung up with portfolio r/s and called my wife to inform her of what I found out. I have just found out that after that conversation ; my wife called portfolio r/s and they discussed these debts with her. Portfolio r/s did not have my permission to speak with my wife in regards to debts that were not " shared '' debts. I feel portfolio was attempting to obtain acknowledgement of time-barred debts ( which I still do n't believe to be real ) in order to sue on debts I do not owe. I found this out today- XXXX XXXX, 2015 after receiving XXXX dispute letters in the mail- XXXX debts I was seeking validation on and XXXX time-barred debts I never discussed with portfolio recovery services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22 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: MA

Complaint narrative:
This is in regards to Portfolio Recovery Associates. They started calling me XXXX years ago about a debt I had never heard of before, claiming it was from XX/XX/XXXX or XX/XX/XXXX, or somewhere around there. I told them I never had a credit card with the company they said was the original creditor ... so they said, it used to be another bank ... and I had still never had a card with that company. I asked them to send me something showing what this was actually for and they refused, said they could n't. When the next person called I said the same thing ... send me some paperwork because I do n't owe anything to this company. This person said I would have to submit in writing and they would send me a form, which I never received. Months later another woman calls and again refuses to send me anything, saying they have nothing they can show me, but is demanding my bank account number over the phone to pay them off. I asked her if she would give her bank account number to some random person that called and claimed she owed them money. She was yelling at me and I finally hung up on her. This same woman continued calling me for months being very rude and arguing with me. I stopped answering the phone eventually. Then I did n't hear from anyone for a couple of years. Then I started getting calls again from all different numbers, which I now never answer. They call a few times every couple of months and this is frustrating ... I do n't want to receive these calls forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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: LA

Complaint narrative:
I have sent certified letter to the debt collector requesting verification of the alleged debt. I have not received proper verification. I have requested a cease and desist letter to the collector and continue to receive calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I purchased a car about 3 years ago, with Toyota finance, I was involved in a car accident, the other Party 's insurance took cared of the pay off amount on my car, I tried purchasing another car in the same dealership, once they checked on my credit, the toll me that I have a charge off amount of {$7800.00} which is not true, I have documentation stating that I only own them {$470.00} which I 'm willing to pay if they help me by taking that charge off, off my credit because like I said its not true

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 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: WA

Complaint narrative:
I am not married, I am a single mother of XXXX ... I have a couple of debts that Portfolio Recovery Associates , LLC have called regarding ... They have called my boyfriends parents multiple times trying to get in touch with me and Saturday, XX/XX/XXXX, they gave my boyfriends father my debt information, when they debt incurred, along with the current balances as well as willingness to settle the debt ... I received my first notice this last week from this place and they had absolutely no right to embarrass me with my boyfriends parents ... My personal financial business is not anyone 's concern but my own ... I am completely humiliated ... I would have been willing to call them this morning, however, now I am so angry I do n't want to call and make a scene ... My debt should have been discussed with me and me alone!! ACCOUNT NUMBERS XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 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: CA

Complaint narrative:
The items still showing up on my credit report all need to be removed. As these were charge offs between XXXX by " XXXX XXXX '' prior to selling to XXXX Bank in XXXX of which XXXX Bank is still trying collect debt. Therefore, both negative reporting on ( XXXX XXXX # XXXX AND XXXX # XXXX ) with XXXX Bank need to be completely removed from my file as they were not the original creditor that discharged these accounts. Also, the XXXX negative report remaining from Portfolio Recovery on ( XXXX # XXXX ) was charged off by XXXX XXXX in XXXX and needs to be removed completely from my files. I continue to get letters the claim they have never heard of my complaint but I have made a few through the XXXX agencies and CFPB. I am again attaching a file with proof of charge off 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
They just keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 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: OR

Complaint narrative:
XX/XX/XXXX I submitted XXXX # XXXX. I started receiving calls on my landline from Portfolio Recovery. They never left a message ; just kept calling. I indicated in this case I have no debt but my mortgage which I pay timely monthly. I requested you have them write me regarding the purpose of their calls. You sent my complaint to them. They responded they needed my account number or telephone number at which you received our calls. Since I have no debt, I have no account. If they want my telephone number, I gave it to you in my complaint. If they want their telephone numbers, I gave one number. Every time they call, they use a different number. A XXXX search of this firm says they have over XXXX different phone numbers. Latest Portfolio Recovery phone number they used today XXXX is XXXX. You have my name, address, home phone, which should be enough for them to write me about why they are calling. Since they are calling my landline, they must have some record in their computer that links my name and landline phone. Please require them to write me why they are calling. Thank you very much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
The collection agency is attempting to collect on a debt that is very old, and therefore the collector can not provide a suitable basis for further legal action. The account has been charged off and no longer appears on my credit report. However, the collector continues to harrass me. I receive fequent, often daily, phone calls from the collection agency despite repeated requests for these calls to cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
In XXXX XXXX I turned in lease of a XXXX XXXX XXXX. The car was washed and they sent me a bill for XXXX {$900.00} to clean up. I did not pay. later they put they amount on my credit report, and as of XXXX they sent a XXXX to the IRS and a copy to me as this sum to be take as income when I filed my Fed taxes. I sent a copy of the form by letter to all the credit reporting agencies, and requested the account be adjusted and removed from file. It was done so several times by the reporting agencies but Toyota Credit electronically continues to accept the status quo. I wrote Toyota Corp. Credit requesting the file correction. Thus far no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: GA

Complaint narrative:
I have had previous communication with this company and with the credit bureaus. The debt has been verified after me sending in a theft affidavit and FTC affidavit. I did not open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05 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: AL

Complaint narrative:
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 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: TN

Complaint narrative:
Portfolio Recover Associates is reporting a revolving account, as a factoring company, on a monthly basis on my credit report. The account that they claim to have purchased was in charge-off status prior to their acquisition of the debt and is therefore being reported inaccurately. This was disputed with the credit reporting agency in XXXX of 2015, and the collection agency verified the account and continued to report a monthly payment history to the CRA. They have also failed to provide the requested verification documents to prove the validity of the debt and the amount owed. In section XXXX of the recent Consent Order on CFPB File # : XXXX, it is stated that Portfolio Recovery Associates has a history of misrepresenting their intention to prove debts, and that misrepresentation is in violation of Sections XXXX XXXX XXXX and XXXX XXXX XXXX of the XXXX. Knowingly reporting inaccurate information to a credit bureau, as evidenced by their verification of my previous dispute, is also in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: FL

Complaint narrative:
FLAGSHIP CREDIT : I am being called on a regular basis by a lending company that I have no loan with. I was apparently used as a reference without permission. I have asked on at least five different occasions to be removed from the account and to stop all calls, but I still continue to get calls. I want to file a formal complaint. The company continues to harass me and leave messages. Several of their supervisors have confirmed that the account reads -- do not call -- but they continue to call.

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 2015-10-01 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: AK

Complaint narrative:
After reviewing my credit report, I found XXXX collection accounts through the same " debt buyer '' company showing a past due balance. I have not received any correspondence to date that states I have a contract with them to pay any amount. I do n't know who this company is, and what debts they are trying to collect on as I did n't know about these debts. The company is Portfolio Recovery Associates. With XXXX collection accounts reporting past due amounts this is very damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
dear sir-i am trying to do loan modification with caliber home loans send them all they asking 3 time -- -call and tolk to about XXXX rep from there co, every one tell me something different -- send them with the USA mail service register with the return receipt all the ask..i am asking them.-to validate the debt -- -- -- debt validation -- -- -- not account summery.-also to send me a proof theta i have contract with them, i also need there tax registration certificate, than you-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I sent a letter to Caliber Home Loans disputing the validity of the mortgage debt .I requested proof of payment for the fees Caliber Home Loans charged in escrow. 
Caliber Home Loans did not sent any documentation I requested it. 
Caliber Home Loans stated that will not produce or provide copies of invoices wherein I paid a fee for my loan. 
Caliber Home Loans keep sending fees breakdowns and payment history without any proof of payment! 
Caliber Home Loans will not provide copies of receipts and invoices because it is unclear as to how they relate to an error on the loan. Why Caliber Home Loans does not provide proof of fees payments they charge to my Loan? In the criminal world is called stealing. 
In addition Caliber Home Loans did not answer any questions i asked regarding the transfer and purchasing of my loan from XXXX to Caliber and new lender.

Company response to consumer: Closed with explanation