vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-01 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: IL

Complaint narrative:
I had a Credit card from a company that I defaulted on. Portfolio recovery associates assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that Portfolio recovery associates ( PRA ) reported correctly that the account was delinquent for XX/XX/XXXX, then paid as agreed. However there was another month that showed up, XX/XX/XXXX. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and PRA now list my account in the same closed status but with the delinquency months being in XX/XX/XXXX and XX/XX/XXXX, 7 months after the account was closed. I contacted PRA and they said everything is fine from what they show and to contact the credit bureaus. I did, and issues a dispute per suggestion of the credit rep and waited another 30 days for the dispute to come back with the same delinquency dates being reported. I contacted PRA again to ask why they would be reporting the same delinquency dates when my account was resolved in XX/XX/XXXX and have documentation from them on that. I questioned why they would not modify the dates on the new dispute if clearly My account had been closed since the beginning of the year. They said they are n't sure and to email the credit information to their disputes department I have that show the incorrect months being reported, which I did and have not gotten any response. I have been working on this issue since they day they reported the incorrect dates in XX/XX/XXXX. It is now XX/XX/XXXX and they still have n't fixed it. I am worried this has affected my credit profile to those creditors who pull my actual credit history and examine - such as an apartment complex as it makes it appear that my delinquency were much more recent than they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 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: NV

Complaint narrative:
They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. No proof if ID card etc. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: NJ

Complaint narrative:
I can see, from previous credit reports, that the collection agency continues to change the name of the collection agency, the name of the original creditor and the exact dollar amount so that the debt remains on my credit report longer than 7 years. This tactic is nasty and unfair. My past credit information is attached. 

Please advise on the best way to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 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: SC

Complaint narrative:
I have been called non stop for a few years about a debt, I have filed the paper work they need to clear me of the debt and they will not stop. They are claiming it is a XXXX XXXX account but all my XXXX XXXX accounts are in good ordered and closed, I called XXXX XXXX they say there is no outstanding debt owed. They have also, some how found a number I work at and called and notified a friend of the debt they are trying to collect and giving me a bad name. I have told them not to call me back everytime they called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
On XXXXI got a call from XXXX XXXX XXXX XXXX a man namedXXXX XXXX XXXX This was in reference of a motorcylce i had finance by Harley Davidson Credit. XXXX XXXX first failed to read me my mini miranda rights. Second he was still demanding payment after I told him not to call anymore. He keep asking me that he can help me but never told me how. 
Original I had notified Harley Davison Credit of my situation and NOT to attempt to communicate with me or my family or place of employment about this matter. If unable to settle this all the amount due will be the ten times the amount in a civil, state or federal Law Suit. Please advice me is I should take this matter to a higher legal level. 
Thank youXXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: VA

Complaint narrative:
I have tried to get my student loan servicer, Pennsylvania Higher Education Assistance, to apply my payments to the Public Service Loan Forgiveness program. Their Ombudsman was able to find XXXX payments that qualify but only payments from XXXX XXXX. The previous payments another servicer are not considered " Qualifying Payments '' I made XXXX payments between XXXX XXXX and XXXX XXXX and would those credited towards my XXXX qualifying payments. The payments were made per these requirements : Must have been made after XXXX XXXX, XXXX Must be on-time ( no later than 15 days after the scheduled due date ) Must be made each month, satisfying in full the installment amount due for that month Must be made when the loan is not in a default status Please contact the servicer and have them apply payments as per the law. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The collection agency is fraudulently re-aging the account to make it appear newer in hopes that I will give in and pay them even though it 's not mine. This is clearly a violation of FTC and FCRA regualtions, as they have failed to report with accuracy and integrity. 

I have filed several disputes as I do not believe that this is my account. XXXX of the XXXX credit reporting agencies have removed this account due to lack of validation. In fact, the Original Creditor ( XXXX XXXX ) continues to extend me credit. I have an auto loan and XXXX credit cards with them that have a perfect record. 

Yet, a collection agency continues to re-validate and re-age zombie debt that I do n't believe is mine on my XXXX report. I have disputed this in XXXX XXXX and XXXX XXXX. My XXXX XXXX XXXX report clearly shows in the comments my XXXX XXXX request for dispute, validation and correction. I have even sent certified return receipt letters in attempts to correct this. The collection agency has sent back letters stating that they have validated all information. 

My XXXX XXXX XXXX report shows the collection agency reporting the Date opened as XXXX XXXX and First Reported as XXXX XXXX. ( viewed as a relatively new account ) My report from XXXX XXXX shows the original creditor and the date opened is ACTUALLY XXXX XXXX and the First Reported as XXXX XXXX. The collection agency has sent me statements from XXXX XXXX showing the debt was clearly in XXXX. The information that the collection agency is reporting to XXXX does not match the orginal creditors information and lacks integrity and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 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: TN

Complaint narrative:
I just looked up my credit report and was shocked to see that Portfolio Recovery still had a collection on my account that is not my debt. Portfolio Recovery called me XX/XX/XXXX and told me that I have an old balance on a credit card that was with XXXX XXXX for {$250.00} for the year XX/XX/XXXX. I asked them to provide me the information on the outstanding balance in writing and they have never done so as of this date XXXX/XXXX/XXXX. They indicated to me that they buy bad debt and then collect it. I have not checked my credit report until today XXXX/XXXX/XXXX and I found that they have put a collection on my credit report and that it has affected my credit score in a negative way. I have had an outstanding credit score for over 30 years and I would like to report a fraud. I can prove that this debt is not mine because the XXXX XXXX Account that they are referring to was paid in full XXXX/XXXX/XXXX. Portfolio Recovery said they bought this bad debt from XXXX and they are collecting on it. I always pay my credit cards off and on time. This debt is not mine and I want Portfolio Recovery to reinstate my credit score immediately and write me a letter pertaining to this matter as it is affecting me in my purchase of a new home. This debt is not mine and I can prove it. I know and understand why companies try to get you to pay a debt that is not yours because it is under {$500.00}. This is wrong in so many ways and I want to report Portfolio Recover to the consumers so this scheme does not happen again. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc.
State: MO

Complaint narrative:
I mailed West Asset Managment a validation of debt request letter on XX/XX/2015. 

Pursuant to the Fair Debt Collection Practices Act, I requested the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent. 

I requested the information be furnished to me within 30 days or all collection activity cease and negative accounts be removed from my credit reportsWest Asett Management failed to respond to my validation request within 30 days from the date of their receipt. 

I received a letter dated XXXX/XXXX/2015 from West Asset Management stating that " pursuant to the enclosed debt verification, West Asset Management , Inc. and it 's client ( XXXX XXXX XXXX XXXX ) have concluded that the information on my credit report is accurate ''. However, there was no enclosed debt verification attached to the letter they sent me. 

West Asset Managment does not have a license to collect in the state I reside in ( Missouri ). 

I believe West Asset Management is unethical and nlawful debt practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My wife and I have A XXXX credit card ... .my wife ordered a shirt from the store @ XXXX XXXX XXXX store.The shirt arrived was great when she got the bill she called the store @ XXXX and paid the bill over the phone in full ... .the next month she got a bill that stated that the XXXX payment was returned because she paid with a debit card ... ..How was she to know that the charge payment was returned. When she called she was told that they do not accept debit cards over the phone???? Will accept in store so we got a XXXX dollar charge for returned payment and XXXX charge for late payment ... ... .if we were not in our XXXX 's they would not be taking such advantage of us We paid our bill in good faith ..was pleanty of funds ... we were never told that the payment was not accepted till it was too late. Not fair!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
I emailed XXXX a hardship letter on XXXX/XXXX/XXXX. Received an email from XXXX XXXX, XXXX on XXXX/XXXX/XXXX stating that she would be my contact person. I told her that I was interested in the XXXX program ( Deed in Lieu ). I sent my signed Hardship affidavit on XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX I started working with XXXX XXXX - Deed in Lieu Negotiator. On XXXX/XXXX/XXXX XXXX XXXX told me that my loan was sold and I had to contact Caliber Home Loan from now on. I thought that was strange because we were about finish with my Deed in Lieu. On XXXX/XXXX/XXXX I received an agreement to sign and return. In this agreement I was told to vacate the property by XXXX/XXXX/XXXX. 
I do n't understand how XXXX can sell my loan in the middle of me doing a Deed In Lieu with them. Now I have to start the whole process over. 
CitiMortgage title attorney have been looking for liens and judgments since the end of XXXX. On yesterday Caliber Home Loan called to tell me that there was XXXX liens or judgments against my property. A XXXX XXXX tax judgment for {$130.00} and XXXX from when I refinanced in XXXX XXXX Mortgage did n't do a release of mortgage. I was told that I had to contact them to clear everything up. When contacted XXXX. They said that they did n't have any judgments on me. I did n't think so because I receive a refund every year. The XXXX Mortgage is XXXX of my previous mortgage company 's but I do n't understand how I 'm suppose to do a release of mortgage. 
I really think that they are trying to stall my deed in lieu process to avoid granting me the relocation fee of {$10000.00} as stated in my signed XXXX agreement. I moved out in XXXX like I was told to do. I did everything I was told to do. I need the relocation incentive payment to pay for overdue utility bills on the property and moving expenses. Now they are asking me to pay rent at my new location and mortgage at the old location. I cant afford all of these expenses. 
Any help in this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Mortgage check was sent on time and cashed by Caliber Home Loans. A notification of past due amount on XXXX showed a balance of XXXX higher without explanation. A call to customer service on XXXX revealed this to be due to the recalculation of escrow impounds but insisted on a check which could not be delivered the same day. 
A follow up call on XXXX expedited bringing the account into balance using a routing number for the balance due but no guarantees were made regarding reporting to credit bureaus. Unapplied funds and the additional payment are to be posted later today ( XXXX ) and a late fee will be removed from the account. 
The account does not show contact with credit bureaus has been made at this time, however, I was told the account will show partial payment at the end of the month and may be automatically be sent to credit bureaus between XXXX and XXXX of the month. 
Online statement balances show incorrect amounts due to not displaying a late fee and applying the late fee to future payments ( screenshot is available ). 
A dispute letter was faxed and mailed on XXXX requesting:XXXX Get all payments made and received by XXXX applied to the loan account ( mortgage payment cashed on XXXX and escrow shortfall paid via routing number ) XXXX. Verify that no contact has been made with credit reporting agencies. 
XXXX If contact has been made with credit reporting agencies regarding past due amounts. 
XXXX The submission must be reversed as per RESPA rules regarding disputes. 
XXXX The submission is requested to be permanently reversed as all payments for the loan principal and interest have been made and all escrow amounts have been paid in good faith within the grace period. 
XXXX. Receive a correct explanation of total escrow charges including current total annual escrow amount, current balance, and impact to regular monthly payment. 
XXXX. Correct total on the online statement to reflect the current state of the account and render totals correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CBC Credit Services, Inc.
State: GA

Complaint narrative:
They are trying to collect a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Recently, I deposited a check from my XXXX XXXX account to my Union Bank account. The day after funds transfered to Union Bank I noticed my funds were on only partially credited to my checking account. A Union Bank branch manager told me that the partial credit would be on hold for 2 - 3 days after funds transfered in. How many days does Union Bank legally have to hold client funds once the transfer has been credited to thier ledger?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 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: PlusFour, Inc
State: NV

Complaint narrative:
An attorney that I fired is trying to collect after being paid cash in full. I have receipts. 
Just as well, I was notified by Plus Four that the attorney was attempting to collect yet again and that they were going to place this on my credit. I advised that the debt was not valid by certified letter which I have copies of for this exact situation. 
When speaking with XXXX XXXX they were advised of my petition of Bankruptcy and the name of my attorney. The following day, they reported to my credit in a last ditch effort to unjustly collect on a already paid debt. 

Recording of phone call placed to XXXX XXXX, dated XX/XX/2016 @ 11:29am proves notification of bankruptcy proceedings.

Company response to consumer: Closed
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: MNS & Associates LLC
State: OH

Complaint narrative:
I have been getting phone calls from the number XXXX for over XXXX years now. I have told them atleast XXXX times that there is nobody by that name on my number, but they still keep calling me asking for that same person. Its a different voice or person each time I have attended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: VW Credit
State: AZ

Complaint narrative:
Volkwagen XXXX XXXX and Volkwagen Credit, made an improper " hard '' credit inquiry in 2014 resulting in subsequent adverse credit decisions including denial of credit or higher interest rates. I authorized XXXX inquiry during an application of the lease of a vehicle. I contacted the reporting credit bureaus who referred me to Volkswagen Credit and its agent, Volkswagen XXXX XXXX. To date, only Volkswagen Credit responded and refuses to remove the inaccurate data. I do not dispute that I applied for the loan and authorized a credit inquiry. The dispute is about the number and timing of the other unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage on my home is serviced by Ocwen. I believe Ocwen is ripping me off. 

I have a thirty year mortgage with an initial loan balance of approximately {$150000.00}. After making twelve ( 12 ) years of payments, my current loan balance is approximately {$140000.00}. Where have all of my mortgage payments gone? Ocwen has added huge fees to my account and refuses to correct the balance. 

Also, my escrow account is incorrect. I completed a personal bankruptcy and repaid everything 100 %. The Judge in my case declared my mortgage account and escrow completely current. However, Ocwen says I have an escrow shortage of over {$3000.00} even though I made all of the required payments in full and on time. Ocwen refuses to correct my escrow account for almost a year. Ocwen is trying to run me out of my house by incorrectly increasing my payments to cover the incorrect escrow shortgage. Furthermore, Ocwen violated the Fair Debt Collection Practices Act in Court. 

My mortgage loan balance is incorrect. Ocwen appears to have added huge amounts and fees to my loan balance even though I have been paying on my mortgage for twelve years and I am current today. 

I have been working with OCWEN for over a year now and I can not get my mortgage account and escrow account corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: GA

Complaint narrative:
I am being contacted by a debt collector for private student loans that have passed the statute of limitations. I have requested in writing via certified mail not to be contacted further by phone, yet I received another call today, XXXX XXXX, 2015, and this is nearly two weeks after they received notice not to contact. The firm 's name is Weltman, Weinberg, and Reis , Co., L.P.A. based out of XXXX XXXX, OH.

Company response to consumer: Closed with explanation