vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-28 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 do not know who these people are trying to collect a debt, if I owed this money they would have sued in a court of law in which they have not done..i do n't owe these people money and I dispute those charges they say I owe.take this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I received a phone call from a relative stating I had an threatening phone call from Portfolio Recovery. I contacted the company and the representative stated if I did n't pay the account of {$560.00} in 30 days my wages will be garnished. I asked when was the last time a payment was made on the account she stated it was irrelevant and it needs to be paid immediately. I asked how long has this account been open she stated since 2007. I informed the representative to stop calling my relatives and I was told to send a letter and inform the company not to contact my relatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was sent a letter with a payment arrangement for a credit card they purchased. I was then told over the phone another amount I could pay for another card they had. The following month after this discussion I begin to pay on the 12 month agreement we discussed. When I send in the payment I put the account numbers on the the XXXX separate money orders. Today XXXX/XXXX/15 I received a call at my home telling me they had no arrangement on file and that was not enough to now pay off the debt. Also I have never been shown the proof of the actual bill, and now they are going back on an agreement that they mailed to me and said over the phone. I will continue to pay another XXXX payments however do not want to be harassed by them anymore. 

When speaking with XXXX separate reps on the phone I had given the information I was given by phone and by mail which I needed to pay to satisfy the debt. Now I am being told that it is not enough money meanwhile I have also never been given any proof of the actual debt and I am paying. I pay out of fear that someone could freeze my bank account or garnish my wages cause this is what I have been told and it has happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
this is an issue of debt collection abuse this is against the lawportfolio recovery associates has a pending case of debt collection abuse from cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: AK

Complaint narrative:
Portfolio Recovery Service Inc. LLCcontacted my wife who is not the main person that owes the debt and divulged to her that I had an outstanding cell phone bill that needed to be resolved. 
Attempted to collect debts that are well beyond the relevant statute of limitations. 
Refused to provide proof of the debt when requested to do so, and continuing collection efforts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 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: CA

Complaint narrative:
Ok I am contacting you because of Portfolio Recovery Associates. There are XXXX accounts with Portfolio Recovery Associates , LLC. When I noticed these accounts on my reports via XXXX. I went directly to pull my reports and I disputed the accounts with the credit report agenices and they all came back verified, I then realized Portfolio recovery did not validate before reporting to the credit bureaus, a collection agency is not allowed to continue collection activity if a consumer disputes the account within XXXX days, but they never made me aware of these accounts prior to showing up on my reports. I never heard of this company into they appeared on my reports.This violation falls under 15 USC 1692g 809b.Also they have failed to mark my XXXX credit report as disputed. This violation falls under 15 USC 1692e 807 ( 8 ). I then contacted them threw the XXXX and got the same responses back, but this time XXXX accounts were removed from my reports, but funny thing is they verified these with he credit bureau a month prior and said the accounts are reporting accurate even though they were n't .It also came to my attention a collection agency is not allowed to report a collection account as " OPEN '' And should be under negative collection accounts " NOT '' Under Accounts " other accounts '' showing as if im past due with late payments. This reporting is wrong and should have been change when they supposedly verified with the credit report agency 's XXXX dispute, but is still not changed. I am going to attach proof the accounts are showing as open and under the accounts tab. Portfolio has also updated the date they XXXX reported the accounts which was XXXX months prior and now it says XXXX reported XX/XX/2015 when it should state it was disputed and updated XX/XX/2015. Now all of a sudden they are updating their end to fit there needs so they do n't get caught up in there lie that they did n't notify me directly of the account accounts are 1.XXXX2.XXXX3.XXXX 
4.XXXX5.XXXX6.XXXX I will attach all information if possible. I have the prior snapshots and current snapshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 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: UT

Complaint narrative:
When requested, Portfolio Recovery Services ( PRS ) claimed they acted on behalf of XXXX XXXX. However, when asked to provide documentation supporting the debt, PRS did not respond in a timely manner. Instead, the company would just send letters saying, " this letter verifies that you owe $ XXXX " but without any supporting documentation. 

It took more than a year to get documentation from XXXX XXXX. PRS never forwarded or provided any proof, even after multiple requests. 

XXXX did not provide notice to me that the account had been transferred and XXXX XXXX refused to provide documentation for a full year. 

PRS never provided any verification documents even though it was requested on multiple occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24 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: TN

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This company is calling XXXXXXXX times a day morning and night. Not sure why they are calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio recovery started with phone calls stating they would seek litigation if I did not settle/pay an amount they were trying to collect. They did seek litigation and asked for summary judgment. I requested verification of debt and at first they provided nothing and said they did on second filing. Then provided affidavit from one of their employees stating she had personal knowledge of debt and affidavit of bulk sale of accounts on or about XX/XX/2011. They were granted judgement based on this and now trying to garnish my wages. They added on summary judgment a plus pre-judgement interest of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : 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 PORTFOLIO RC 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 including : 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 RC 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 ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX with a XXXX XXXX XXXX submitted a request and Writ for Garnishment for a student loan which was consolidated with other student loans. They froze all my parents bank accounts dated XXXX XXXX, 2015. Still to this day, even after agreeing to pay a settlement amount, they have not notified the courts, took the money, or notified anyone, including myself. Also, they did not provide the original loan agreement. I believe this is another company like Portfolio Recovery. I have no information regarding this matter except for the Writ for garnishment. Also, this debt is past the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XXXX XXXX XXXX, XXXX bank, opened a claim on my credit report for {$880.00}. 4 years later they closed it and Portfolio recovery bought the account and opened a new claim on my credit report on XXXX XXXX, XXXX for the very same amount {$880.00}. It has been more than 7 years since the initial debt was defaulted. I called portfolio recovery to discuss this situation and i was place on an extensive hold multiple time after i have stated the facts which are : - Same amount was claimed twice on my credit report by XXXX Bank first in XXXX which closed it out in XXXX then portfolio recovery in XXXX. 
- Original debt was defaulted back in XXXX why opening a new claimed in XXXX as if it is a new debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is from a disputed debt back in 1993. It has been sold and resold. I have called them and they continue to attempt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22 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: FL

Complaint narrative:
Portfolio Recovery has made harassing calls to myself and my mother, a female left @ least 2 different voice mails on my mothers phone, stating " they will be at XXXX home tomorrow to take care of this debt matter " or we will be at her home around XXXX to get her to sign verification of debt, representative stated to me " that I was obviously stupid in regards to the law, this statement occurred after I ask him for proof that I actually owe portfolio money, and I stated you ca n't sue me if I do n't owe you the debt. 
I had asked them several times to stop the phone calls, And threatening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I had a XXXX XXXX credit card but I have paid and closed the account. It is showing in my credit report the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VT

Complaint narrative:
Leased a 2015 XXXX XXXX from XXXX, XXXX NY on XXXX XXXX 2015. We live in Vermont so Lexus dealt with all the paperwork XXXX Vermont DMV. As of today, XXXX XXXX, we do not have our license plates and Lexus have told us that they sent in the paperwork to Vermont DMV on XXXX XXXX ( why this took a month from XXXX XXXX when we leased the car is a mystery no-one seems able to unravel ). Vermont DMV hane not recorsd of wither any paperwork nor the VIN # of our Lexus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 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: NY

Complaint narrative:
This collection agency called PORTFOLIO RECOVERY is alleging that I owe money to XXXX XXXX XXXX. I have not received any letters from collection agency as proof and they place a negative mark on my Credit Report without notifying me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 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 is knowingly reporting false information in attempt to re-age a collection accounts reporting on my credit reports. They report accounts # XXXX -Original creditor XXXX/ ( a.k.a XXXX ) # XXXX - Original creditor XXXX XXXX # XXXX - Original creditor XXXX XXXX bank with an Estimated date of removal/FCRA Compliance date/DOFD that DOES NOT MATCH THE ORIGINAL CREDITOR reported on the same report. I have disputed this account as a direct dispute and with the CRA directly, and asked for removal and if not removed than verified. The direct dispute letter was sent to Portfolio recovery on XXXX/XXXX/XXXX. They failed to update the false information that was requested. In addition they changed ( account # XXXX ) " field '' Responsibility from Individual account to Joint account, which again is not accurate. I question the validity of this debt as I have never had any joint accounts. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of these accounts The original creditor has remove all three above account - as they were past the FRCA compliance date Since they have not validated this account with proof that it is mine as requested in XX/XX/XXXX, I find that this reporting is ground for deletion that that they are re-aging this debt the date is it is not consistent with the OC on this basis alone. 
I had submitted proof in the form of a copy of credit report highlighting this discrepancy. The law does not allow collection agencies to modify this DOFD, nor does the law allow them to add false information. 

I have attached Dispute results showing XXXX account number XXXX as DELETED but the corresponding collection accout from Portfolio Recovery account number XXXX was not updated or removed. They are reporting original creditor as XXXX XXXX to further things but if you look at the account number you will see they are the same account. 
I have attached newest copy of XXXX credit showing not 1 of the above Original creditor is remaining on the credit report because they were past the FCRA compliace date and are no longer reportable. 
I have attached the last dispute request the was sent to PRA when the original creditors were reporting the date the item will be removed was

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Motor Credit Acct # XXXX is reporting that I owe a balance of {$1100.00} after turning in a leased vehicle. These are outrageous and inaccurate charges that are NOT TRUE! They are charging for keys when both keys were turned in the same day that the car was returned to XXXX XXXX XXXX. They also state that there were " scratches on the spoiler '' - there 's NO spoiler on the car. I was n't even there when the so called " inspector '' looked at the car.. They even have the interior color wrong! The vehicle was well taken care of, including low mileage and in great condition. I have called several times to try to rectify this situation and I get nowhere! I 've also sent demand letters. Their customer service has not helped me in any way. The information being sent to me is not accurate. I am so disappointed with this company!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
repeatedly called me, my wife, my daughter about a debt i had problem paying. Threatened to come to my office, sue me, contact my HR office, and shouted and belittled me. 
Portfolio Associates of VA is a corrupt organization. 
I have contacted the company that I had purchase the items with and started repaying directly to them. 
But nothing stops Portfolio

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I received a call from XXXX which belongs to a Portfolio Recovery collection agency. They left no message. When I checked my credit report this appears to be an old XXXX XXXX credit card through XXXX Bank? I believe that this paid in full through a third party years ago as I do not have an account with them now. I have not received any written notice of this attempt to collect this debt and I will request that they Cease and Desist any further collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 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: AZ

Complaint narrative:
Portfolio Recovery Associates ( PRA ) operates illegally. Portfolio Recovery Associates , LLC Representing, XXXX XXXX XXXX. This company continues to harass me for an un-collectable debt. Portfolio Recovery Associates ( PRA ) may also sometimes make harassing calls. Harassment and abusive calls are prohibited by debt collection companies. Calling at " unreasonable times '' such as before XXXX or after XXXX. They use profane or obscene language during calls. I have numerous witnesses that have heard the conversations on speaker phone. This is illegal according to and under the Fair Debt Collection Practices Act ( FDCPA ), debt collection companies such as Portfolio Recovery Associates can not do the following mentioned above while trying to collect a debt. 
PRA is in violation of the Telephone Consumer Protection Act ( " TCPA '' ), using an automatic telephone dialing system ( " Autodialer '' ), for allegedly calling me on my cellphone without their prior consent. 
Portfolio Recovery Associates claims they have purchased the XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX credit card account ending in XXXX from XXXX ( " XXXX XXXX '' ) on or about XXXX XXXX, 2012. I have court records of an order to " dismiss with prejudice '' on this exact account ending XXXX and same amount from another debt collector. This order is valid and I will use it in the court of law against PRA if they continue to report to the XXXX credit bureaus that the account is open and they own the account. 
They have illegally purchased an old debt from original creditors who has already written off the debt and received a tax deduction for it. I have proved in court that this debt was not mine and it was dismissed with prejudice. 
According to my most recent credit report, Portfolio Recovery Associates is currently reporting to the XXXX credit bureaus. PRA needs to remove the inquiry from the XXXX main credit bureaus, XXXX, XXXX and XXXX. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. PRA needs to remove themselves from my credit report.

Company response to consumer: Closed with non-monetary relief