vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-28 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: CA

Complaint narrative:
Hello, my name is XXXX, An account was opened back in 2011 with XXXX XXXX XXXX Bank back, it was a result of ID theft, and the account was later charged off to Portfolio Recovery Associates , LLC, anyways XXXX XXXX ( Now XXXX XXXX ) has done an investigation and decided it was a result of fraud, and they have removed their tradeline from my credit reports, but Portfolio Recovery Associates , LLC refuses to remove their collection tradeline. I will attach a scanned copy of the letter they have sent me confirming the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23 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:
Debt was paid in full with us bank who has deleted this account from my credit report. In addition Portfolio is reporting the first date of default as of XXXX but it was back in 2008 and not it has passed a 7 year statute of limitations that account is allowed to be reported on credit report. However, Portfolio is refusing to admit that fact that they are illegally attempting to collect on the debt that has been 1st settled in full with original creditor who already deleted it from my credit report and 2nd this has passed a 7 year statute of limitations for the account allowed to be reported on my credit and 3rd it has passed a 4 year statute of limitations that collector has the right to attempt to collect a debt on the past due and expired account. Plus porfolio continues their harassing phone calls, and letters even though I sent them with cease and desist letters via certified mail, they claiming not to receive them and keep harassing calls to my home and cell # at in aunapropriate times of the day. THESE ILLEGAL COLLECTIONS AND HARAsSMENTS MUST STOP IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 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: OH

Complaint narrative:
I get contacted all the time for a debt for a Credit card I have never owned. I never owned a XXXX XXXX card. The person they are looking for is XXXX XXXX and I do not know this person. But they follow me when I move. I have been threatened in the past, and gotten threatening calls saying they would contact XXXX. I do not know this person, and my wife and I are the only ones who live together. But they look for this person wherever I move. It is clearly identity theft of some sort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
We leased a XXXX XXXX from XXXX XXXX in XXXX, OH in the year XX/XX/XXXX. The Owner of the vehicle was my friend XXXX XXXX. I was the co signer. We leased the vehicle for XXXX total years and always made payments on time. The lease worked in a such a way that, We could pay the rest amount of approximately {$8100.00} at the lease end and own the vehicle. After the XXXX years however, XXXX XXXX and Toyota Motors together warned and requested us to drop the car off and the Customer representatives with XXXX confirmed with me that I would not owe them any money after I did so. We wanted to buy the car for the rest {$8100.00} in balance but they did not let us do so. After some time, XXXX let me finance another XXXX XXXX as a single Owner ( XX/XX/XXXX XXXX XXXX, Present Owner ), But reported a {$8100.00} balance to the credit report agencies as a debt I owed them for the earlier car I leased and returned. 
Toyota financials and XXXX XXXX acted unethically in a malicious way treating their loyal customers by not letting us buy the car and reporting a balance I did not owe them. I emailed XXXX XXXX back in the day to own the car for remaining balance of {$8100.00} but they never replied as they intended to make more money from me and by also retaining the car. They did not try to help me out. I had so many problems because of losing the car and having a derogatory remarks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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: OH

Complaint narrative:
Collection showed up on credit file for a debt paid in full. Portfolio Recovery has purchased junk debt in the past which has also been removed from my credit file already.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio Recovery Associates, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, USA XXXX ( XXXX ) XXXX continues to call me for some unknown reason looking for XXXX XXXX although I 've told them a XXXX times I do n't know any XXXX XXXX and I 've asked them to stop calling me - Best I can tell their running some kind of illegal operation and may be involved in some other type of federal crime and should be investigated to the fullest extent of the law - The number their calling me from now is XXXX XXXX XXXX and their a lying XXXX if their feed you any more XXXX about not contacting this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I RECEIVED A LETTER FROM THE XXXX COUNTY SHERIFF OFFICE DATED XXXX XXXX, 2016, ( XXXX NC ) PORTFOLIO RECOVERY ASSOCIATES LLC. FILE A JUDGMENT EXECUTION AGAINST ME XXXX. THE AMOUNT OF {$2000.00}, WITH ADDITIONAL FEES OF INTEREST AND SHERIFF FEES TO THIS AMOUNT, THEY ARE GIVING ME UNTIL XXXX XXXX 2016 TO BRING OR SEND FUNDS THE SHERIFF OFFICE. THEY ARE THREATEN TO WITHOUT DELAY TO SELL ANY PERSONAL OR REAL PROPERTY I MAY HAVE WHICH IS SUBJECT TO EXECUTION. THE DEPUTY NAME IN THIS LETTER IS DEPUTY XXXX

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

Complaint narrative:
After sending certified, returned receipts from Portfolio Recovery Associates on XXXX accounts, asking for validation of my debt, not verification of my debt, they have kept on sending me collections notices. They have continued to also call me after I sent cease and desist letters. They tell me on the phone that I owe a debt and I tell them that they are not allowed to call me. They hang up on me. 

Also, I am writing because they are in noncompliance with the Fair Debt Collection Practices Act, Section 809. They have sent me debt verification letters, which does not suffice as a debt validation letter. I would like to know the chain of paperwork, from the original creditor, including the original agreement as this is my right. They have also broken the law by calling me after I have placed a cease and desist on my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Assets ( PRA XXXX acquired the account due to issues with a XXXX XXXX XXXX error, once I learned I was able to resolve the issue outside of XXXX, I contacted the PRA directly and made the payment in full closing the account. I was told the account would be reported as paid and removed from collections status as soon as the payment was received from my bank account. The payment cleared my account as agreed and to date PRA has not reported this information to the credit reporting agencies which continues to have a negative impact on my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 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: UT

Complaint narrative:
Despite repeated occasions of telling Portfolio Recovery Systems that they are calling the wrong party, they continue calling me at home, at work, and on my cell phone. In the beginning, while trying to reason with them, they told me that the debt was from XXXX XXXX. I have NEVER done business with XXXX XXXX. My credit rating is in the XXXX on all credit reporting services, and yet they continue to harass.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I contacted First Niagara by secure message on XXXX/XXXX/2016 and requested that my checking account be closed. I knew there was an " Early Account Closing Fee '' of {$25.00}, so I left exactly that amount of money remaining in the account. For unknown reasons, First Niagara did not close my account as requested. As a result, they charged me monthly service charges in the amount of {$15.00} starting on XXXX/XXXX/2016. My account now has a negative balance and has still not been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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: MI

Complaint narrative:
Portfolio Recovery continues to report an account to my credit report as " Disputed '' even though I have informed them ( see attached letter dated XXXX/XXXX/16 ) that this account is no longer disputed and requested that they remove this status from my credit report ; I am attempting to obtain a mortgage and this dispute status is preventing me from qualifying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
They keep calling for my husband who is battling XXXX. I have told them at least XXXX times to please stop calling and his condition. What is so wrong with this is they are not the primary debt holder. They purchase old or written off debts and reactivate them and then call the credit bureaus like they are new. Please stop these people so my husband can see some peace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Had XXXX financed in XXXX XXXX, lost job and defaulted in XXXX XXXX. XXXX never sent documents for auto auction as required by state law, and never sent statement of charges after auto auctioned. I requested those statements as they sent in a letter to request, but they misrepresented the repo when I wanted to do a voluntary repo, so they knew I was going to dispute the charges. Also, they auctioned the car at wholesale and not retail, which was the contract I signed with XXXX XXXX at the time. 

They never billed me after auction, It was turned over to collection in XXXX XXXX have letters XXXX. Eventually, Portfolio recovery took over the debt, and kept calling without verification. They admitted the documents were missing, and through XXXX, the state of Washington allowed the debt to be invalidated, and the original creditor sued. Every call claimed to be with the legal department, but they sounded like a script, and they never said my last name correctly. 

They did not listen to my complaints, and that I wished to dispute the debt. They sent forms out for disputing for fraud. They never sent validation documents as requested, they said the settlement letters they sent was their method of validation. I lived in XXXX until XXXX XXXX, and had different phone numbers. When I moved to XXXX, I changed all my numbers, including cell phone. 

The original creditors never had this cell phone number I have now. The statue of limitations was up on this debt in XXXX XXXX. I successfully disputed the debt on my transunion report, and the repo was removed from the credit file. I did n't bother with any more disputes, the collection and original debt fell off the report, and by Washington state law, I do not owe this debt due to illegal repo practices in XXXX. 

I have told portfolio I do not wish to speak with them on the new cell phone number. They found it by continually soft pulling my credit reports ( they used to hard pull every month, but about 2.5 years ago, this changed to soft pulls ). They keep changing their phone numbers, I save them all under XXXX ids on my phone. They do this because people block the numbers. They also have every states area code, and are still doing auto dialing via this method. The phone rings XXXX and hangs up. You can only call back. 

It is against the law to auto dial after permission has been revoked. They insist on breaking the law to try and get money they are not owed. It is not my fault they bought the debt. They keep trying to get me to make payments, and reset the statue of limitations. They insist I write a letter to stop the calls. But they do n't have a legal purpose to call the new cell phone number. Skip tracing is harassment. I need them to leave me alone, I will never pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery continues to call our number even after repeated requests to stop calling. 

We are not delinquent on any bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Debt collector is consistently calling on private cell phone. Did mail request to discontinue calls and they continue, at my expense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 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 receive calls from Portfolio Recovery LLC trying to collect a debt that is not mine for a XXXX XXXX card which they said I opened in 2009 ( When I was XXXX and not in XXXX! ) I told them it is not mine and they refuse to send paper letters. This is not even listed on my credit report. It is obviously a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota motor credit is reporting XXXX $ owed on a charge off account. This account was included in my bankrutcy. I surrendered the vehicle to Toyota Motor credit. I have asked for specifi documentation as to how they came to the amount being reported of XXXX $ -If the car was sold I would like a break down of what the car sold for and how Toyota XXXX to this large amount being incorrectly reported on all XXXX of my credit reports. I do want validation of debt. I do want validation of amount being reported and a break down of how they came to this amount as well as written documentation of what they received for the car once it sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 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:
so as i was applying for a mortgage they pulled my credit and thats when the lien appeared, I was ordered to pay a lien that I never got the court document for, so a judgement was bought against me and I lost the case because I didnt appear in court .That is totally not right because I didnt get a chance to present my case. And also the company who sold my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 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: IL

Complaint narrative:
They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
The bank is : M & T XXXX, NY., I have been customer for several years. It seems that in the past couple years, I keep going over my account amount of money. This gets to be quite a lot of money at almost {$40.00} a hit. They sometimes reverse the transaction as a courtesy, they said. 

Most of the time, it seems to be happening in the last week of the month. 

What I want is if a company that tries to withdraw money ( using my bank debt ), be it auto withdraw or used at a XXXX, and the amount goes over what I have in the account to PREVENT it from going through. 
This would save the consumer a lot of money. I do n't know what the financial or legal steps are involved please look into this and see what can be done. Additional, although, M & T ( which is a commercial bank ), has no XXXX and understanding for the " little guy '', I would like the bank withdraws that they have robbed from me for a least the last two years. 
Please understand that every pennie is important. I am XXXX XXXX XXXX. My income comes from XXXX monthly. I receive just over {$700.00} per month for several years. No I have no overdraft protection as my credit is poor. Expenses have gone up but my income has not. 

I have taken a the steps that I can to make sure the monthly withdrawal are done after the first week. This takes into account weekends and holidays. 

They told me it ca n't be done ( block with draws that cause the account to go over. ) I say WHY NOT. Why ca n't it be changed to protect the consumer that lives from paycheck to paycheck or monthly SS. I have tried by best to ask them to prevent theses type of over changes but they refuse to work with me. 
Summary, 1. Prevent withdrawals from withdrawing if it causes account to go overdrawn. 
2. Return these over drawn charges for the past two years. Not just to me but to all the consumers in the same type of situation. 
3. Levi a fine on behalf of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 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: MD

Complaint narrative:
We were victims of Portfolio Recovery Associates using deceptive tactics to collect a debt we do n't believe we owed. Fearful of being sued, we paid the alleged debt which we immediately regretted andwe filed a formal complaint ot the Maryland XXXX Office of the XXXX of XXXX XXXX. They recently sent us a letterinforming us that we may be eligible for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Madison Management Services, LLC
State: AZ

Complaint narrative:
I currently own my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXXIn 2010 I filed Chapter XXXX and choose to keep my house. I had a XXXX and XXXX mortgage which I choose to service at the time and attempt to modify. My XXXX mortgage was successfully modified but the XXXX with XXXX XXXX Mortgage was not. They sold the loan during this process to XXXX XXXX. I could not come to terms with XXXX XXXX and as I understood it was discharged in my Chapter XXXX bankruptcy as shown on my XXXX credit report. That was in 2010. 
Recently, Madison Management LLC, from my understanding has purchased this old debt and is now trying to collect. They are doing so by foreclosing on my home. My research has brought me to the conclusion that this debt was purchased for pennies on the dollar. So not only is Madison Management, in my opinion harassing me on a Chapter XXXX discharged debt, but also have exuberantly inflated the amount owed. I 'm not sure if these strong arm tactics are legal because of my Chapter XXXX bankruptcy, and if it is legal, im not sure if this inflated debt owed is legal. In a settlement letter from Madison Management, they openly admitted that this debt was purchased at a discount and then a few sentences later say I owe approximately {$55000.00} when the original debt from XXXX XXXX was only {$36000.00}. Please help! Please let me know if I have a valid reason to stop these foreclosure proceedings. I am in good standing with my first mortgage company and also so you know, my home is still " underwater '' in value. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
My mortgage company is reporting false information to the credit bureaus -- -my XXXX 's payment was flagged as being delinquent, this is incorrect. I 'm submitting documents to prove my case.

Company response to consumer: Closed with explanation