vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX a check was written to Toyota motor company for payment. The bank was unable to read the check correctly and paid Toyota XXXX instead of the XXXX. We got a letter that said we were late and called and paid the balance. There then was another letter saying the XXXX had not been paid again ... They said payment did not go through. We again paid the balance. This is showing on my credit report that I have XXXX late payments to toyota on my credit. I attempted to resolve this with Toyota and they refuse to take it off my credit. They also reported this during a bankrupsy period which I did not think they could report. In any case this was all over the bank miss reading the check. Please help to get this off my credit report. thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Originally some one used my credit card in XXXX. I never was getting any bills. In XXXX i took out a loan, the bank never notified me that there is an outstanding balance, because I would have questioned it and disputed. In XXXX i got a letter of bank collection. That is when i started to question. I spoke on the phone with the bank and cancel my card. I spoke with another representative to file dispute claim. Not once did the rep mentioned that it was too late to file it. In XXXX i get letter stating it was too late to dispute and i am liable for all charges including late. I filed complaint on cfpd website. Afterwards i got a call from XXXX XXXX from first Niagara bank and after his investigation i was told that the balance will be dissolved but he can not fix the credit report. Recently i received a collection letter regards this matter and my daughter called XXXX XXXX but he just ignored us. Please help with this matter. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX acct number i overpaid this loan by XXXX k trying to pay off the 2015 sienna, the refund of overpayment has been promised back to me on 3 separate occasions as i have to go intoa dealer to handle the transaction, my loan is going 30 days late, nobody is helping me, please refund the full overpayment of approx XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been paying this collection agency whose address is XXXX. XXXX, XXXX XXXX XXXX in XXXX, CA because of a XXXX credit card account. First last year they started calling my sister and making harassment calls threatening deportation and legal action. So I decided to call back and they told me that they were Portfolio Recovery Associates and they were collecting my XXXX XXXX account. I made payment arrangements with them every month and my bank sends this electronically to them. My last payment will be in XXXX XXXX, 2015. I am concerned because the address is not in XXXX, Va but a XXXX XXXX XXXX XXXX. XXXX in XXXX, CA. They send me letters of my payments and balance with a bar code and a reference number and with t he Portfolio Recovery Associates , LLC on it and phone number XXXX. I do not know if this is a fake collection agency because when I googled the XXXX address XXXX XXXX XXXX comes up and there has been reports about this fake agency? I called up two weeks ago about my payments and the next day I began receiving harassing calls from a number that has an area code in Texas XXXX and I have been getting calls everyday. They even have a spoof CA area code number but when I call them I get a message that the number is not an active number. I called the XXXX number and got a message that says '' No one is available to take your call. '' As if it is a private residential number. But I called again and a woman answered my call and she told me that they were XXXX and they are located in Washington but when I told her her area code is in Texas she hung up. I do not know they are fake but what I am concerned is about Porfolio Recovery using a XXXX in XXXX, CA. And please help us. I know that we made bad financial decisions and fell behind our debts but we are really trying to get our credit straight but these has gone too far. Please investigate this XXXX address. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04 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:
Portfolio recovery associates has not answered a debt validation verification letter i submitted a month ago. Portfolio recovery associates refuses to remove a debt that is not mine and is a time barred debt according to the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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: MN

Complaint narrative:
This company calls for a person with same last name as mine, but different name. I do not know the person they call fo. It is not me. 

I have repeatedly asked them to stop calling. They will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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: AZ

Complaint narrative:
Portfolio Recovery Associates ( PRA ), was served with demand for verification of debt via certified mail # XXXX, confirmed received by PRA XX/XX/XXXX, to legally validate their collection claim, no response. XX/XX/XXXX a XXXX written request to PRA demanding verification was sent, no response. On XX/XX/XXXX a XXXX written demand to verify alleged debt sent to PRA, no response. To date, PRA has been non-responsive in validating alleged debt and has continued to negatively report this alleged debt on all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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:
I have not received enough information to verify the debt. I have repeatedly request proof of debt, they only have the statement but nothing else. I have disputed this information and they continue to say that the debt is mine without proof.

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

Complaint narrative:
XXXX XXXX does not have enough information to validate this debt. This is not my debt and they are falsely reporting it to all XXXX credit bureaus. They can not provide proof this is my debt other than statements they created and sent. I need to see what identification was used to start this account falsely under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio recovery services reported an account to the collection bureaus ( XXXX, XXXX and XXXX ) which has cause negative/adverse action in regards to my credit file. The company never validated the debt in accordance to the fair debt collection practices act as I requested. The company reported this debt without notifying me or validating it. I called the company and the company claim they mailed a letter out in which I never received from them. FDCPA 1692g requires and states that Bill collectors are to validate debts before continuing collection efforts according to section G of the FDCPA. This company has yet to do so and have yet reported this account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I 've continued to explain that this debt has been written off from XXXX XXXX XXXX back in 2008, and not to call me at everyday as this is harassment and to communicate everything through letters to me. I contact my attorney who said to contact the FTC and file a complain as he can only stop them if it 's through my cell phone. Spoke to XXXX XXXX on around XXXX and informed her to stop calling and to send all communications through the mail. Spoke to XXXX XXXX to continue all communications through and to stop calling me on the phone and to send through the mail from Portfolio Recovery Associates at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery keeps calling my house and asking for people that do not live here, even after I have told them there is no one here by that name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company has a judgment on a credit account that they bought from XXXX of my creditors. In addition, I have not given them any personal information about me. However, they have won a judgment against me and I understand that. But I have never given them any information about me and they have been able to obtain a legal order allowing them to contact my past and previous employers to garnish my wages. I am currently in the process of filing a head of household exemption but I 'm a little uneasy knowing that creditors are allowed to violate my privacy and utilize the court system to seek my personal information. Again, this is a third party collection agency who bought my account from my original creditor. I plan on taking this a little further. The agencies name is Portfolio Recovery Associates , LLC. My new employer was served with a writ ordering them the provide my information. This could of resulted in ramifications to me and my lively hood.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
had a student loan from XXXX around XX/XX/XXXX-XX/XX/XXXX. i was in car accident and not able to pay off. eventually i went back to work and filed tax return and IRS had deducted balance owed to student load from ta return and was paid in full. debt was still given to Portfolio recovery and they are trying to collect on a debt that has been satisfied as well as exceeding the statue of limitations for both XXXX and XXXX whee i currently reside. there has never been a payment sent to them to " reset '' the debt collection process. i have asked them to stop and explained to them that its been paid, but they refused to hear my side and insists that i give them a credit card number to make payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Went to purchase a vehicle at a XXXX dealership. I was approved for a lease with Toyota, and left with the vehicle. The next day I received a call that stated they were not able to secure the loan with Toyota as there had been a negative outcome to my last loan with Toyota. I was told that if you ever default on a loan with Toyota they will NEVER finance you again. To me this is a classic example of overt discrimination, as the default was in 2010. I have a reestablished credit history, to show that I am in a better financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 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:
I was a victim of identity theft and noticed a collection from PORTFOLIO RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PORTFOLIO RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due as of XX/XX/2014, XX/XX/2014, XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 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: IA

Complaint narrative:
In XXXX, I sent XXXX certified letters to Portfolio Recovery at XXXX different addresses requesting Debt Validation for a debt they are trying to collect from me. I specifically asked for " Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. '' I did not receive anything but another letter from PRA stating my name - last XXXX of my soc - and the amount they say I owe. Due to the way PRA has treated people in the past, I do not trust them to tell me the truth and not try to take me for a ride.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On the evening of Friday, XXXX XXXX, 2015 a retirement check deposit of {$600.00} was made at a XXXX, NY, 1st Niagara Bank ATM into my bank checking account. Before this deposit, my 1st Niagara Bank balance was approximately {$25.00}. Later in the evening, I authorized an over the telephone bill payment of {$41.00} from this account. Again XXXX transactions occurred on Friday XXXX XXXX, 2015. & Yes, before the deposit I did not have enough to cover the bill payment. First Niagara Bank XXXX XXXX, New York, on Tuesday, XXXX XXXX, 2015, then credited the check deposited the prior Friday, but obviously put thru the check as of XXXX XXXX, 2015, rejected the check payment request due to insufficient funds & then charged my account {$37.00} due to insufficient funds. I did not learn of this event until over a week after it occurred. I then went to the XXXX XXXX & spoke to XXXX XXXX. He informed me that the bill request went thru on XXXX XXXX, 2015 & the deposit went through on XXXX XXXX, 2015 because it was made at an ATM. The ATM receipt did not inform me of this. I questioned why I would be charged {$37.00} if the bank did not in fact pay the check. Of course I did not get a response. He did however waive {$7.00} of the charge stating this was all the computer would allow him to do. I also asked why the ATM would take a check deposit if it could not be processed. Again no response. He only stated that since it was an out of state check there was also a clearing time of 2 business days. But of course the bank did not wait 2 business days before taking {$37.00} out of my account. I also informed XXXX XXXX that other banks in the area charge much less for insufficient funds on checks they do not honor with money already sitting in someone 's account waiting to clear. Since I have already incurred nonpayment & return check fees from the company that did not receive my payment, again with funds sitting in my account. I would like the {$30.00} charge returned back to me. I could totally understand this charge if the bill had been paid or if there were no funds in this account at all to cover the check. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Both my husband and I have been receiving threatening voicemails from Portfolio Recovery. We have never received anything from them about any debt. Yet they are showing up on both our credit reports. With all the scammers I refuse to pay anyone claiming to be a debt collector. We suspect they are trying to collect on debts that were discharged in bankruptcy. With no proof of debt and threatening voicemails they are breaking debt collection laws. These calls are also past XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 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: TX

Complaint narrative:
I continue to receive calls despite the fact that I have told this company each time they call that it is not my debt and they have the wrong person. Each time they are told to remove my name and stop calling but they persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery has contacted me several times threatening to arrest and sue me. They 've continuously contacted my family and friends do and made these same threats. They called excessively. I 've continued to request written proof that they legally own this date and they have not been able to furnish this. They have cursed me. They have continued to call after I mailed them a letter asking they cease and desist. They have said they 've only been collecting on these accounts for 1 year. However, they 've been harassing me for at least 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I received a phone call advising that Portfolio Recovery was the XXXX party collector for XXXX which issued a credit card in the name of XXXX XXXX. I sent Portfolio Recovery a Cease and Desist Letter on XXXX/XXXX/15 and the US Postal Service showed it was received and signed for at XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 I received a call from Portfolio Recovery. I attempted to explain the above and that Portfolio Recovery was violating the Fair Debt Collection Practices Act. I was met with a belligerant response that they did not have any such letter on file and there was heavy insinuation that I was lying. I attempted to give proof of the letter and their receipt and the employee was not interested in hearing any of it. I attempted many times to give the employee information that would prove the letter was sent and received including ; copies of the letter and a printed confirmation screen showing their receipt of the letter. During each of these attempts the employee stated, " you can keep repeating yourself and it wo n't matter. ''

Company response to consumer: Closed with non-monetary relief