vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-14 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: WA

Complaint narrative:
I keep getting phone calls from numerous different phone numbers. There is never a message left on my voice mail, or with who may answer my phone. Today I answered, and I requested a paper bill since i have never received XXXX. The representative stated that there were XXXX previous letters mailed this year. She then went on to say that it sometimes appears as junk mail because there is no return address is on the outside of the envelope. She urged me to just go online and look at the account that way. I do n't care if they design their correspondence to resemble junk mail so that they can pull this XXXX people. I was also a bill collector, and know that what she is telling me is bordering on unethical.I re-asserted my right to a paper bill, and she said that she would note that this has been a refusal to pay the debt. I reiterated to her that I am simply asking for something on paper, and have not refused to pay. I stated to her that she is lying in her notes if she does document the call in that way, and that I would be making my own notes of the call. I informed her that I would specifically be noting how I requested a bill, and got the response that I was refusing to pay the bill. I told her that I would be doing this to protect myself when this went to court to show how Portfolio falsified their call notes when I simply requested a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I leased a XXXX Toyota Rav 4 EV. The vehicle has been in service many times for ECU not functioning properly, Toyota has failed to fix it. My vehicle has been in service for 6 days at the XXXX Toyota location and they are claiming it is XXXX 's fault because they built the drive train for the vehicle. The dealership referred me to Toyota help line XXXX to open a case. I have called in XXXX times and even sat on hold for XXXX minutes to speak with anyone. Nobody has called me back and the operator claims they called me on both my numbers listed but I have never received a call and no missed calls show up in my call logs. I purchased an electric vehicle to be able to save time and money and now all I have is problems nobody can seem to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I verbally requested cease of communication via phone and was told it had to be in writing. I mailed a letter to Portfolio Recovery on XXXX/XXXX/15 requesting a cease of communication and they have continued to call my cell phone. It has limited minutes and is for emergencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23 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: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report on XXXX and XXXX negative report on my credit. The negative report was from PORTFOLIO RC, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my XXXX credit report. I am requesting that PORTFOLIO RC or any of it affiliates should remove such negative statement from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had an account go to collections due to my husband being laid off work. I worked it out with Portfolio Recovery Assistance that if we paid our debt then the collection would be removed from our credit report. We paid our debt and this report is still marked on my credit report. It is still negatively affecting me after it was negotiated it would n't after the debt was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 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: FL

Complaint narrative:
I initially filed a dispute about this debt with all XXXX credit bureaus. I received a response saying that this debt has been verified, but I have no idea how. They have shown no evidence that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
There was an account opened from XXXX XXXX back in XX/XX/XXXX that I disputed from identity theft. XXXX XXXX closed the account on XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls from " Legislation Office '' and all came from Portfolio Recovery asking that the debt was mine because they can show statements where there were purchases made and making payments. 

I asked them to validate the debt and send me a contract signed by me from original creditor showing that I own the account and I opened it myself. They provided again XXXX statements from XXXX XXXX showing charges from XXXX and XXXX. 

They are also referring that the account is {$1600.00} but yet they sent me a statement showing the balance on the account was {$490.00}. Regardless, I told them that they need to contact original creditor to get all their paperworks on this case. 

They continued to report the account to all credit bureaus without giving enough evidence of the ownership on the account. I have been trying to close this with this agency since the beginning of this year. They repeatedly pull my credit report ( soft inquiries ) almost every day. 

I really need help with this harassment. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 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: FL

Complaint narrative:
Portfolio Recovery Associates did not validate this alleged debt before reporting to the credit bureaus, even though I have proof of receipt of a timely dispute, which I mailed within the 30-days as allowed by the FDCPA. After I wrote them more letters, they did finally respond. But their responses to my XXXX and XXXX requests for validation were completely inadequate. The documents they sent were nothing more than an itemized list, and a statement from an employee stating that the alleged debt belongs to Portfolio Recovery Associates. This in no way approaches the legal standard for validation. I informed their offices of this, and demanded that they remove their tradeline from my credit files. I have not received any other communication from them since. Portfolio Recovery Associates also failed to mark their tradeline as disputed on reports, and has continued collection activity. Each XXXX of these violations of the FDCPA carries a {$1000.00} fine. I have submitted a formal dispute with the credit bureaus. I am also filing formal complaints with the Federal Trade Commission, the XXXX, and my state Attorney General, in addition to filing this complaint with the Consumer Financial Protection Bureu. I am also strongly considering pursuing this matter in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 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: MI

Complaint narrative:
I do not know if the debt is actually mine. My ex-husband obtained credit over the internet in my name. I was told by the debt collector it was my debt. I do not have any verification if this is mine. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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: KY

Complaint narrative:
I received a letter from XXXX bank about my amazon acct stating this is an attempt to collect a debt. Called the number on the letter and it is Portfolio Recovery who I already paid the debt off to in XXXX on the XXXX acct. They reposted the same debt on my credit report and are trying to collect the same debt from me twice under a different name. I reported this to the credit bureaus all but XXXX will not take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: MA

Complaint narrative:
I applied for a home loan with NACA located in XXXX Ma. I was approved for a mortgage for 90 days and wanted put an offer on a house. My mortgage rep left XXXX XXXX, and I could not get another appointment until after my 90 was up on XXXX/XXXX/XXXX. I was called right before XXXX/XXXX/XXXX and told my new consultant left and my appointment was moved to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, the secretary tried to bump me from my XXXX/XXXX/XXXX appointment for another customer. I told the secretary I would be there XXXX/XXXX/XXXX @ XXXX. I went the appointment XXXX and met the office manager XXXX XXXX in the XXXX office. I was told my file was reopened. I submitted all of the paperwork for the loan on XXXX/XXXX/XXXX, my credit was rerun and my membership due paid again. I was told the process would be easy because I had been approved prior. I was also told I would heard back in 7-10 business day with the amount I was approved for. I have not hear back as of today XXXX/XXXX/XXXX. I called the XXXX office, the XXXX office, and customer service with no follow up by mail, email, or by phone on the company 's as to the status of my loan approved amount until last week. I was told my file was never reopened even after the 2 hour appointment with the office manager. I have all of the submitted paperwork. I keep emailing and no one is assisting me. This process not only caused me to loose the house I really wanted, but more importantly, the interest increased one full percentage point, that will cost me hundreds of dollars over a 30 year mortgage loan. I need your assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery continues to call my cell phone several times a day from different long distance phone numbers each day including Sundays. I explain that I 'm not able to make any arrangements at this time and they continue to push me about payments until I get upset and have to hang up the phone on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am purchasing my leased vehicle from Toyota ( XXXX Toyota in XXXX, PA ). There is a credit union offering 1.99 % ( if credit is good, and mine is XXXX+ ). Toyota wanted to do the loan, so they promised via email that they would match the 1.99 % rate, conditional upon my credit being XXXX+. I trusted their written promise, and set up an appointment to do the loan a week later ( 3 days after my official lease-end date, which they said was fine ). At my appointment, they ran my credit 4 times, through XXXX different lending institutions, over a period of more than an hour. They had realized that they could not in fact match the 1.99 % rate, and they were rate shopping at my expense for over an hour, trying to cover up their lie. They did not tell me what was happening at any point during this time period. The used car manager approached me eventually, and admitted what had happened. He even told me flat-out that what they had done ( quoting me the 1.99 % ) was not legal. Now, I am 4 days past my lease-end date, have XXXX hard credit inquiries counting against my credit score, and have to start all over with the credit union. I 'm having XXXX next week, and am now under a lot of pressure to resolve this quickly. Hopefully I will still qualify for the 1.99 % with the credit union despite the excessive inquiries made by the dealership. This is the very scenario I was working hard to avoid, and now for the next 2 years, every time I apply for credit, I will be at risk of not getting the best rates available and of my credit score dropping further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 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: MD

Complaint narrative:
i received a bill from portfolio recovery associates , llc, i contacted them, was told because i gave them no information that they would report i verified this debt.i then sent portfolio three certified letters asking them to verify the debt, to send me proof that i entered into an agreement with them and for how much they purchased my charged off account for and to cease reporting negatively to the credit agencies.was sent papers by portfolio from the original creditors but nothing from them and when i called to ask why was n't anything given was told to file a dispute again at which time i informed them i would not that they had more then enough time to respond to my request and that ill be filing a complaint against them, i was hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JAMES B. NUTTER & COMPANY
State: HI

Complaint narrative:
I have rescinded this mortgage notified lender and loan servicer by way of mail, 20 days has past since rescission of loan but no response only continue collection activities to harass and oppress. Loan servicer and debt collector Jame B. Nutter continues to collect this debt and ignore my rescission and demands for validation and verification of an alleged debt that they are attempting to collect. 
XXXX XXXX Mortgage XXXX XXXX is no longer in business and is barred from engaging in any activity concerning financial products or services to consumers because of fraudulent activities. 
Debt collector James B. Nutter has violated the Fair Debt Collection Practice Act not just once but several times specifically 15 USC 1692g ( a ). 
Debt Collector James B. Nutter has used and shared private documents publicly without any prior consent or authorization.

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

Complaint narrative:
This company has never provided me with a signed contract proving that this debt is mine. Their information needs to be removed from my credit report immediately. My identity was stolen so nothing but a signed contract will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC
State: SC

Complaint narrative:
Have been threatened with arrest for failure to surrender vehicle by companies repossession agent, was threatened with legal action to obtain judicial order mandating surrender of vehicle, and have been threatened to have vehicle repossessed for missing one payment. XXXX, call center supervisor, has been very confrontational, demanding, threatening in every conversation I have had with him. Company also charges a {$3.00} processing fee for payments made via phone each time a card is run. I have to split my payment into XXXX cards and they company is refusing to waive for second run for my payment.

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 2017-01-22 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: PA

Complaint narrative:
They mail some photo copies of some bill statements and i have ask more then once for them to send any sign paperwork to show that i owe the debt or that they even have any sign agreement with any creditor i still have n't received anything yet in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
I had a lease with Toyota Financial Services and purchased the vehicle after the lease was over. I purchased through another finance company in XXXX XXXX. In XXXX XXXX I received a tax bill from my city for approximately {$30.00} ( which covered the month of XXXX of year when I owned the vehicle ). I paid the tax bill and immeditaely called Toyota Financial Services to find out what I would owe to them for property tax. I was assured by the representative that my account was paid in full and I did not owe any taxes. I explained to the reporesentative that I should owe taxes for XXXX for the amount of time the vehicle was leased. She assured me that I would not owe any taxes. All a sudden a month ago I received a letter stating my account would be in collections if I did not pay the taxes owed. I called Toyota Financial and they advised it was for property taxes. I advised them i was told I owed no taxes and they said the information was incorrect. I asked for a copy of the tax bill because the amount they provided seemed too large to me. They advised I would have the bill within XXXX48 hours by email. It has been 2 weeks and I still have not received a copy of the actual bill from the county. I called again today and was told they were not sure why the request was not put in but they would put it in again today. She said they are backed up and would have it to me in 72 hours. I am afraid my account is going to be sent to collections and will affect my credit and they are not helping me prevent that from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: NJ

Complaint narrative:
I paid this debt off to the company years ago but they have yet to resolve the open judgement and refuse to send me verification that the debt was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 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: MO

Complaint narrative:
I 've been repeatedly called and sent mail from this company stating I owe money to a bill I do not recognize that originated in 2001. I told them verbally that they have the wrong person and to please stop harassing me. Additionally, I 've asked them to take it off my credit report, which they refuse to do. 

I try very hard to take care of my credit rating and am upset that a debt from 14 years ago ( that is not mine ) has stayed on my report that long. Thank you for any assistance in clearing this up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 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: TX

Complaint narrative:
I am contacted daily, sometimes twice in a single day, for a debt that is now 7 years old! They had started off calling my home phone, but now call my cell phone using multiple different phone numbers so I ca n't block them. I have told them numerous times that they need to stop calling, especially since the statute of limitations for collecting is past, but they ignore me! There are also many times that I answer, and it 's automated telling me to call them back. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 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:
Portfolio Recovery Associates has not verified a debt with my signature which they claim I owe, and they are not licensed in the state of CT to pursue such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 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: CA

Complaint narrative:
I receive multiple daily phone calls, which either hang up or do not leave a message. I have no idea what this would be about, as to my knowledge I have no outstanding debt, with no problems listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 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: MD

Complaint narrative:
portfolio recovery is reporting false information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: CA

Complaint narrative:
Telemarketing scammers of Portfolio Recovery XXXX are trying to shake me down for imaginary, non-extistant debts. These vicious telemarking criminals are calling from about XXXX different telephone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Debt is my father 's they sent me a copy of the bill my dad had XXXX XXXX as a doctor I have XXXX as mine XXXX hospital swaps us around all the time if they would send the signed form that I have always had to sign you would see it 's my dads XXXX XXXX XXXX he has insurance and it would have been paid If it was billed right

Company response to consumer: Closed with explanation