vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Hi, I have submitted a complaint previously regarding my issues with Toyota Financial. I was paying a XXXX car payment on a XXXX. I was told I could refinance in few months. Well I did try 6months or so into the loan and lenders told me that 's insane, I had said this in my previous complaints with. Along with they said I can defer a payment, said they did it and I said it does n't show up, and I also explained the women had told my I needed to sign a secure message through her email, well after a few phone calls,, few weeks, months later no deferral, and I 'm argue other issues, double dipping payments on my account. On my daughters birthday, that wasted our time to sign, investigate, and reverse my money. It 's a constant run around Just nasty collection calls, and called me the day a XXXX payment came out and the women called me lier in many words just in my detail with questions, telling me does n't show, and said that 's not possible as I 'm not set up for auto pay. I said XXXX, no reason to lie, I can not talk, I 'm a XXXX and the safety of these kids is priority, she continued to keep asking for a payment, I h a d to han up on her. The latest, I received a bill through mail, that my car payments due XXXX no mention of a repo. From the looks of it, I would never have thought a repo was going to take place, as I been paying on time XXXX a month. They were also I 'm formed on many occasions I I 'm SSD and my pay is every XXXX of month. I also mentioned This up coming payment was going to come out of my previous checking account which is XXXX as I was back banking with them. Well I 'll attach my statement. Tuesday, my car was pulled from my driveway a repossession. After crying, and all that pain, heartache in any situation when your property Is taken and as the communication is there on my end, on Toyotas end it was just a nasty experience. I Call I explain my daughters coats are in trunk I really need my stuff. I said I have a bill. They said I can not pay that amount to get the car back I must pay the entire XXXX plus the guy told me. I said if I had XXXX grand in my back pocket, I would n't be late be on payments. It was just extremely hurtful, stressful and I 'm very tired of being taking advantage of. The repo guy was the most helpful, very comforting to say the least. He had told me he just got the call the night before to come for my car. It just blows my mind that this companies rob individuals everyday, such as myself to keep their accounts up. Well I had enough of doing without because they plot out who they cheat. No so let 's fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 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: CA

Complaint narrative:
I have been contacted by Portfolio Recovery Associates in regard to an alleged debt to XXXX XXXX of {$610.00}. I am a XXXX year old man, never been to XXXX XXXX, never had an account there and have been divorced for over 10 years. I am also on XXXX. They have sent paperwork, requesting numerous forms of private information and identification. I am not willing to provide them with this information. This is not my debt. I believe this be a fraudulent misrepresentation in order to obtain personal and private information and to extract money under false pretenses. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I disputed an account that I had with XXXX XXXX and XXXX XXXX updated the records as follows : XXXX Report - This item has been updated to report as paid in full. 
XXXX Report - Transferred, closed/Never Late XXXX - does not show up at all on this report However, before I disputed the incorrect reporting from XXXX XXXX, they must have sold my account Portfolio Recovery. When I disputed the validity of the debt with Portfolio Recovery, they ignored the fact that the debt with the original creditor was disputed and the correct information was updated on my bureaus and sent me paperwork to " prove '' the debt, that actually contradicts was they were reporting on my bureaus. Portfolio Recovery sent me what they claim is the last bill from XXXX XXXX that I received and it was from XXXX XXXX, however they are reporting that this debt was placed for collection on XXXX XXXX. They are even reporting the debt on my XXXX report, when XXXX XXXX never had a record, either positive or negative, at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC.
State: OH

Complaint narrative:
I have received calls for several months XXXX saying I owe money from a debt, or old payday loan, or a bad check. They will not give me information unless I give them my social, and other information. I do not owe late/unpaid money to anyone, have never received any notice by mail, and my credit report is clean. They have threatened arrest, subpoenas, and are now calling my parents and siblings. They almost always have a different phone number to call or that they are calling from. They will not give me their address, or the company they are " arbitrating '' for. Their calls get increasingly hostile and their voicemails state that if I do not resolve it they will render a decision against me. I keep telling them to do that since I owe no money, but still they call stating the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On or about XXXX XXXX, Chase bank closed my husband and my accounts. First my husband was paid on or about XXXX XXXX, a week ago. He found he could not access monies to move over to my account ( which were linked ). He was first told that his account was suspended for fraud? In which we were NEVER informed to find out that was n't the truth either, they 've known since and before our payroll hit that they were going to suspsend our accounts and never contacted us accordingly, which left us without knowing our rights and access to any monies left over from payroll/EFT depoists. Then a day later to find that it was suspeneded for mismanagement/NSF charges on Saturday and that we should be receiving a letter-we/I do not deny, however, I did not find out my account was also supspended until Monday, XXXX XXXX. We were NEVER notified in writing, and it has been well over a week since Chase audit departments initiated closing our accounts, hence, they should 've sent us a letter in advance, letting us know that our monies would be held to cover any overdrafts and or incoming transactions and when our remaining monies would be returned. 
I find these practices unlawful and illegal in the since that I have no monies and because of a XXXX situation, I was not able to quickly find out the status of my remaining funds, which could have left me in danger! To date, it has been well over a week and we were not notified via Chase secure server and other ways they could 've informed us that our monies would be withheld via the closiong our our accounts. I am not denying the reason for closing, but the illegal and deceptive way Chase has gone about this matter and not properly notifying in writing and what and when, what we can do about the matter, in regards to our rights and their right to just withhold/close our accounts with nothing in writing or a reprieve. I am a XXXX veteran and my income in limited with a XXXX issue happening in my home, which left me unable to pay many of the bills I need to XXXX survive and to take care of myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 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: CA

Complaint narrative:
Portfolio Recovery Associates sued me in District Court in XXXX, AZ. I challenged the suit and they immediately dismissed without prejudice. They continued calling me numerous times after the lawsuit was dismissed and placed an entry in my credit report. This tradeline was challenged as well but the credit bureaus refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 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: CT

Complaint narrative:
The debt was paid by electronic transfer but the creditor never acknowledged receipt of the payment and turned it over to a collection agency who has called my cell phone repeatedly even when told to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I went to XXXX Lexus to see if I qualified for a new lease turning in my current lease. I was told the payment would be similar and terms also. When I got to the Finance office to sign the lease it showed it was a 48 month vs a 36 month. I was told it was too late to change and I had to accept the payments. I told them I wanted to change back to 36 month and they said they would work on it. Mow almost a year into it they still have not corrected their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This company did not properly follow the decree set forth by the CFPB. They continue to harass me. I am on social security and recently suffered a XXXX XXXX. This debt was iin dispute originally. There was no chain of custody provided other than a bill of sale. Portfolio Recovery relied on in house verification

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery has placed a collection on my credit report which was from a old XXXX Account which I have not made a payment on this account since that of XXXX. When Portfolio Recover was called they said according to their records I made a payment on XXXX/XXXX/XXXX to XXXX which is not true it is a complete lie. Because this false information is on my credit report I can not obtain a loan for my son to go to college. A dear friend of Mine has been in communication with this company and I have made a copy of all the correspondence which she has sent to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
In 2014 I entered into a lease with XXXX and over my time with the lease I have spoken with many peers and individuals who have pointed out the exorbitant rate I am paying for my car lease relative to others with comparable means. My credit score was " good '' at the time of purchase and I traded in a car as down payment. The only remaining conclusion is that I am the victim of their predatory lending practices, as I am sure many others from the neighboring working class community have been. Despite bringing this to the attention of XXXX and Toyota Financial and offering opportunities to rectify the problem with a new, more appropriate lease based on my history with their financial institution they continue to offer no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 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: TX

Complaint narrative:
They purchased a time barred account that was based on identity theft and have violated FDCA by renewing the statute of limitations illegally. I 've sent a cease and desist letter informing them that the account is time barred and I 've also learned that the company is n't bonded to collect debt in the state of Texas, thus violating Texas State Law. There are numerous FDCPA violations and I 've hired an attorney to proceed with filing a lawsuit against them for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
this company has been calling me for years using so many different numbers its hard to keep up with, they have used up my home phone messages so many times and so often i do n't even use my land line anymore. i use a cell phone that belongs to a third party and is n't recorded anywhere in my name, somehow they got that number and have started calling it. i am a XXXX veteran now living alone, i may or may not owe this debt, i filed ch XXXX XX/XX/2005 but found out later my wife kept some cards and accounts i did n't know about. she left over 2 years ago and i h ave no idea where she is. these people send me several letters a week and have called so often over the years its driving me crazy. i used to argue with them but sometimes its computer generated, when its a person they wo n't stop talking long enough for me to say anything, when i get mad and curse at them they talk over me and tell me its illegal to speak that way on the phone and that im being recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-03 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: IL

Complaint narrative:
I received a notice from Portfolio Recovery Associates , LLC about a credit card from XXXX/XXXX/XXXX. I received this notice on XXXX XXXX, XXXX. They say that they have had this since XXXX/XXXX/XXXX. they want me to pay {$2200.00} for this debit. First off it has been 15 years since debit was made. Second I do n't believe this is my debit. It has been on my credit for years and I have constantly questioned this. These people have called me on my cell phone all times of day. The last time I was called I was in the store. The lady was extremely rude and stated " Let me finish what I have to say before I listen to you. '' I then told her for the 100th time that they are harrassing me and to please leave me alone. they continue to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-25 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX has continued to contact us after we told them that the person they were trying to contact was not at the number they were calling they called us XXXX times within one hour on a sunday XXXX we advised them if they continued to call we would file a complaint the names of the persons that called us were XXXX XXXX and the XXXX time the person was very hard to understand very poor english XXXX XXXX we believe

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have checked ALL XXXX of my credit bureaus and this debt they company is trying to collect on is NO LONGER ON MY BUREAUS!!! This is illegal and it can not be collected on anymore. I need the company to cease and desist all lettets and phone calls now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
In our CPFB correspondences XXXX and XXXX, your company repeatedly claimed that I cancelled the card before the points became available, which is why you could n't give me those points. 

This is not true. 

The points were available when I cancelled the card ( see attached screenshot from XX/XX/XXXX, showing points still being available ). Consistent precedent during my 5 year relationship with Amex and per terms and conditions, already available points do not get taken away on cancellation ( unless there is fraud or returns, which is not the case here ). These points were clearly available as you can see from attached. 

Second, in our correspondence you also mentioned a 6 to 8 weeks review. However, these points were earned on XX/XX/XXXX, and taken away on XX/XX/XXXX, well beyond the 6 to 8 weeks mark. So the review is not the issue here. 

What 's more, if the review showed some issue with spending ( either before or after my card cancellation ), then the miles related to that spending should 've been taken away also ( they were not ). Clearly there was no issue with the spending review, since those miles did not get taken away, only the welcome bonus which again, was already available. 

I understand the XXXX bonus link got public on your end, but that 's not my fault. Your company should honor the terms and conditions of cancellation. Lets resolve this amicably instead of making the process expensive claim notices, third party arbitration and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I held an American Express card for 1 year was closed down all of a sudden without warning and all my points ( ~ $ XXXX ) I had earned from purchases were taken back. I would understand if it was a sign up bonus that I had not earned, but these points were earned as a result of spending. I have contacted American Express over XXXX XXXX times in a span of 3 weeks and nothing has been done to return my rewards. I have held multiple cards over the last 7 years with American Express and for them to close down my account and take back all of the points without warning seems like an extreme punishment. Some sort of warning should be mandatory or at least payout the points earned. Please help me resolve the issue by having them reinstate my account or pay me out for the points earned. I have read of others who have also been shutdown without warning but were able to get paid out for their points ( which is an acceptable outcome ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
In regards to a past credit card debt that my ex-husband obtained prior to our divorce. Debt is greater than seven years old and company maintains that it is not despite the fact that they changed company names which apparently started the date of collection over again. Company is Midland Credit Management , Inc . They continue to change my balance amount on my credit such as ; XXXX/XXXX/2015 balance amount changed from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by {$790.00} from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by $ 366 % from {$210.00} to {$1000.00}. On XXXX/XXXX/2015 account has decreased by {$790.00} from {$1000.00} to {$210.00}. On XXXX/XXXX/2015 account has increased by {$790.00} from {$210.00} to {$1000.00}. Please note that Midland has never sent my any option to pay the lesser amount, only the higher amount. They make numerous reports to my credit which keeps driving my score down when I am trying to build my credit up to purchase a home. This account is the only negative account that I have. I refuse pay this bill as it is past the time in which they can legally collect and due to them intentionally trying to ruin my credit. I have spoken with them on numerous occasions notifying them that it is too old to collect on and questioning why they were changing my balances on my credit report which they deny doing. I am a member of XXXX therefore I have record of all the changes Midland has made on my credit report. I am not sure what other steps to take to resolve this matter. Please let me know of any suggestions you may have. Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
We hired a moving company for an interstate move. We authorized a payment as required for delivery though the amount was in dispute. We agreed with the moving company on the amount quoted from their account department to me via email. We signed an authorization for this amount. We subsequently received an automated invoice for additional charges which were never explained to us to justify the second invoice. We contacted the moving company, their parent company and our credit card well in advance of the charge date to discuss. We sent numerous emails to the moving company and verbally communicated we revoked any authorization for a new charge. The moving company was never able to articulate justification for the invoice and the credit card company kept saying do n't worry about it until a charge occurs. Our credit card company said that since we provided authorization they are unable to dispute the fees in our favor and that this does not constitute fraud and to go hire an attorney. We went through several rounds with the credit card company including their agents/employees telling us : 1 ) this is a type of fraud and should be covered, 2 ) this is a disputed transaction and should be found in your favor, 3 ) this is an unethical business practice by the moving company and we will be contacted by corporate ( we were never contacted other than form letters ). So we are left with a moving company freely charging our credit card without authorization and the credit card company is not protecting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
My aunt took out a utility contract with my name and social without my permission. I was a college student in Ohio at the time these charges were accrued, and had no knowledge of it until I started receiving collections bills at my Ohio address. I have proof of my address and the collections bills that were mailed to me.

Company response to consumer: Closed with explanation