vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I was brought to the XXXX XXXX XXXX due to XXXX. I was still XXXX when I got there. As soon as my XXXX, I told the staff that I did not want to be treated or examined and walked out, since I was n't sure whether XXXX was going to cover the hospital bill. ( I had just received my XXXX acceptance letter shortly before this incident. ) A few weeks later, I received XXXX invoices : one from the ambulance service, one from the hospital. I called both companies and gave them my XXXX number so they could charge XXXX ( since I now knew that XXXX covers emergencies ). The ambulance service was apparently able to charge the bill to XXXX without any issues. However, about 4 months later, in XXXX XXXX as well as in XXXX XXXX I was surprised to be sent XXXX letters from the XXXX XXXX XXXX asking again for the XXXX USD they claimed I owed ( even though I had refused treatment ). I received those letters in XXXX since I had been out of the country in XXXX. I called the hospital up immediately and asked what the problem was. It seemed as though they had had the wrong XXXX number. I gave them my XXXX number again. This time, I asked the person on the phone to read it back to me, so we could make sure that it was definitely the correct number. When she read it back, it was correct. Since then I did not hear from the hospital again at all. On XXXX XXXX ( XXXX/XXXX/XXXX ) I received a letter from a debt collector asking for the " outstanding '' debt to the XXXX XXXX XXXX. The debt collector said that the documentation they had gotten from the hospital did not show that any XXXX number had been given - even though I had given it to the hospital twice ( albeit once apparently incorrectly ). I was shocked. The worst part about this is, of course, that XXXX generally only pays bills that lie, I believe, at the most about one year back. 
The XXXX XXXX XXXX # 1 apparently failed to attempt to collect the payment from XXXX and # 2 failed to inform me about this in due time so that I could have gotten in touch with XXXX myself. Now, that the timeframe during which they could have claimed the amount from my insurance has passed, they try to make me responsible for their failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 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: IL

Complaint narrative:
1. Portfolio Recovery has not provided any competent evidence that I have any legal obligation to pay on the account in question. 

2. Portfolio Recovery did not validate the account before reporting collection to the XXXX credit bureaus 3. Portfolio Recovery falsely reported new account activity on my credit report that has resulted in a damaging credit rating and inability to open credit. 

4.Portfolio Recovery has not provided any written agreements in place between its firm and the client they allegedly represent

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 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: GA

Complaint narrative:
This company refuses to send to us any documentation or verification. They only have our name and phone number. We checked our credit reports and it seems fine. They seem to be " fishing '' for our personal information. Portfolio Recovery company.

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

Complaint narrative:
I have never had an account with Portfolio Recovery Associates , Inc . 

2 ) Portfolio Recovery Associates XXXX Inc. and I have never entered into any type of written agreement. 

3 ) Portfolio Recovery Associates, Inc. has never presented me with any goods or services. 

4 ) The account referenced by Portfolio Recovery Associates XXXX Inc. is long past my State statutes. ( If this applies ). 

5 ) I have never done business with Portfolio Recovery Associates , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 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: SC

Complaint narrative:
I owed XXXX debts to Portfolio Recovery Associates INC. In my attempts to clear my credit to get a mortgage, I settled those accounts. However, those accounts were still being reported on my credit report as the difference between the original amounts and the settlement amounts that I paid. I contacted Portfolio Recovery Associates by phone and they said they would rectify the situation, but at least one account is still showing as of XX/XX/2017. I disputed the account and the dispute was denied. After the dispute, Portfolio Recovery Associates sent me a letter explaining why the dispute was denied and included the original proof of the debt. I am not disputing the original debt. The debt has been settled and I have a letter from them stating that, so it should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I continue to receive calls from Portfolio Recovery Associates. No message is left and when I answer the call no response. I have no idea why they are calling and a few years old sent them by certified receipt a letter of cease and deceit ( XXXX XXXX, 2012 ). The phone calls began again a few weeks ago. I block the number and of course they call from other numbers. I am again sending them another certified letter. Their tactics are horrific. I owe no XXXX anything, so I have no idea why they are calling me. They call my landline at the least XXXX a day, do n't answer no leave a message. I do n't know what else to do to stop them from harassing me via telephone call or other wise. My next tactic if this not resolve their annoying phone calls is to take legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: UT

Complaint narrative:
Reference Toyota Financial : Loan number XXXX question is, I have been paying extra on my car loan since we purchase the car in XXXX XXXX XXXX XXXX. The question I have is my payment is XXXX and my loan payment will be down to approximately XXXX because I have been paying around XXXX per month since about XXXX4 months ago. I talk to Toyota financial today XXXX XXXX/XXXX/XXXX ) and ask them the question of where does the extra money over and above what they credit the amount for example in XXXX they will credit XXXX out of a payment of XXXX and the answer is they carry that overpayment forward and I ask why do n't they apply some to the interest, and the CSR stated on we do n't have to so that leaves the question of why is n't the full amount applied and the interest payment credit because soon I will be in a plus stage of over payments on the car and evidently the extra ( my ) money is setting there accuring interest at Toyota Financial for every overpayment I am making. They also informed me that they could not take extra payments on interest, I would have to send them via mail to a XXXX, IA address because they handle the interest payment and I ask them for a print out of my payment history and they stated all we can do is mail a copy of the original loan agreement to me? The question remains, is the way they are doing there books correct or is it incorrect in terms of applying payment and interest, and letting the extra money set in there acct until eventually there will be enough accumulated to pay off the car ahead of time? Please advise and if you have any questions and do n't understand please email me at XXXXXXXXXXXX or call me and leave a message. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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: OR

Complaint narrative:
This relates to Complaint # XXXX. Portfolio Recovery called from another number today. When I block XXXX number they call from another. I have no debts. I pay credit cards within 30 days by autopay from my bank. I am in good standing with all my credit card companies. I do not have a mortgage. I would like these harassing calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 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: TX

Complaint narrative:
On XXXX/XXXX/XXXX I received a XXXX form from Portfolio Recovery Associates LLC for an alleged account I never heard about. I never received any correspondences from this company. My husband called and spoke to a XXXX at Portfolio Recovery on XXXX/XXXX/XXXX at XXXX central time, who told him that the department that handled it was closed at to call back on tomorrow by dialing the same number ( XXXX ) to Ext XXXX. We then contacted the original creditor listed on the XXXX ( XXXX XXXX ) and spoke to a XXXX XXXX at XXXX Central time until XXXX central time, who informed us that this alleged account was opened XXXX XXXX and was sold XXXX XXXX and the address listed on the account was XXXX XXXX XXXX XXXX XXXX , La XXXX, which I never lived at. we asked if we could file a fraud notice because this was the first time we have heard about this alleged account that 's over XXXX years old, he said because the account was no longer in there system they could n't do anything. He gave us a number to the company it was sold to in XXXX ( XXXX ) but it is no longer for a collection company. So my husband called Portfolio Recovery back today ( XXXX/XXXX/XXXX ) and spoke to a XXXX at ext XXXX and asked her about the alleged account and she stated that they brought the account in XXXX and tried to reach me to collect on the alleged debt. My husband asked her how could they try to collect on an alleged debt that was XXXX years old at the time they brought the account in XXXX since the account was closed by XXXX in XXXX, she said it was valid at the time to collect on it but the Statute of Limitation of Debt Collection in Texas is 4 years. She was asked how could they send out a XXXX without notifying us of the alleged debt, she kept saying they tried calling and sending mail but it was getting returned, but they were able to mail a XXXX to us at the address we have been having since XXXX, just did n't make any sense. She said we had to send in a fraud affidavit for an alleged account that is over XXXX years old to get them to investigate and remove the XXXX, at that time she was advised that the Fraud affidavit requires that we file a police report for Identity theft and that we would be told by the police that it was too old to report identity theft, and she replied you do n't have to contact the police you can fill it out like that and return it. So she was also advised before the called ended that we would be filing a complaint with you CFPB, IRS and that they were committing Mail Fraud by mailing and reporting an alleged debt that does n't belong to me and because they never sent us anything in writing before they reported the XXXX to the IRS and mailed it to us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
they call me two or three times a day. they already have a judgement that they cant collect on because i am on social security. i tried to resolve this debt yeas ago but they woudnt help then. i am ill nd these calls are very stressfu.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10 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: WA

Complaint narrative:
Have been repeatedly called by a collection company telemarketer looking for a person I do not know. I have explained this to the callers XXXX times. I have no unpaid debts nor have I ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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: MD

Complaint narrative:
These accounts are not mine and they are being reported on my credit report. I have asked for verification without success. Act number XXXX XXXX and XXXX XXXX. The report also says these accounts were opened in 2013. I did not open any accounts in 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The name of the collection agency is Portfolio Recovery Associates and the original creditor is XXXX. I made several contacts with this agency to get more information on the debt. I was told XXXX time that I owed the debt. I need more proof that I actually owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Unwilling to accept past due payments and repo fees. They will only accept full pay off of the loan and refuse to hear circumstances surrounding past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
In XXXX of this year I wrote Portfolio Recovery Associates , LLC, requesting Verification after I noticed several collection on my credit report for the same account " XXXX ''. Portfolio Recovery have not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Repeatedly asked representatives of this company, on more than 1 occasion, to refrain from contacting me. I also gave an alternate contact number at which the account holder could be reached. I was told by several representatives after requesting not to be contacted, that I would no longer receive phone calls. Also that my number would be removed from their records. During the most recent call I was told I would not be contacted for up to seven days, after that they would resume calls. I again asked for my number to be removed from their records but was told I have to submit my request in writing. I continue to receive phone less than 24 hours later.

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 2016-05-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
My auto loan statement from Toyota Financial Services does not include the interest accrued to date. I believe that this information is supposed to be shown on my statement ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 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: MD

Complaint narrative:
I am responding to an unlawful contact about an alleged debt by Portfolio Recovery Associates of XXXX, VA in violation of the conditions of their XXXX/XXXX/XXXX U.S. CFPB consent order. I was contacted by computerized autodial telephone call from caller ID " XXXX KY '' with a prerecorded message at XXXX EST on Sunday, XXXX XXXX, XXXX that identified an unspecified debt and directed me to call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Advised creditor to cease calling on XX/XX/XXXX, after prior phone calls requests

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery stated that i owe them {$620.00} for a XXXX XXXX card ending in XXXX, but on their verification letter the amount is {$620.00}, These amounts are different, and since they record their phone calls i would like them to share the conversation i had with them on XXXX/XXXX/15 at XXXX ( XXXX XXXX XXXX ) stating i owe {$620.00}, and how I have a letter from them stating i owe {$620.00}. I find this to be unlawful for them to collect the wrong amount. I demand that since their unlawful practices trying to collect more money than i actually owe that their reporting to all XXXX credit bureaus cease immediately. And any mention of Portfolio Recovery and Associates be removed from all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was unaware of this debt for this outrageous amount ... We had a credit line of XXXX and the bank closed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 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: NY

Complaint narrative:
To whom it may concern I have taken Portfolio Recovery to court in XX/XX/2013 for invalidated debt and I won the case - it was discontinued without prejudice and yet the account is STILL on my credit report - I have subsequently tried to sue them, send them a certified letter to the address on file with credit bureau and it was returned with " not deliverable as address vacant '' I am enclosing BOTH of these forms - Can you please help assist in taking these off my credit reports - Thank you -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This will be another attempt to get Portfolio Recovery associates to remove the erroneous collection they have reported to the credit bureaus. They are stating that the account ending XXXX with a social security number ending in XXXX is being correctly reported. I have NEVER had a XXXX XXXX account nor does my social security number end in XXXX. It ends in XXXX. Can they please remove this ONCE and FOR ALL?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have a credit card with XXXX bank still sowing open and was put in collection without my knowledge. I just find out this by checking my credit report. I will never knew if I do n't check and be hurt to getting anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I sent Portfolio Recovery Associates a dispute letter about the debt that they are attemlting to collect being past the statute of limitations for Wa state for open ended credit accounts In the last paragraph of the letter sent it stated to cease all phone calls and use mail to let me know that the matter had been settled They called my cell phone no less than 5 times after that and sent a letter stating that I did not provide enough information to dispute yet they continue to provide the information to verify this everytime I dispute this. The company knows that the debt is zombie debt that needs to be removed from my credit file. It is more than 3 years since the default date.

Company response to consumer: Closed with non-monetary relief