vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I had a verbal agreement with Portfolio Recovery Associates in which they promise me that my supposed balance would be reduced from {$930.00} to {$760.00} if I start with my payments. It happened about XXXX weeks ago. They also told me that after my first payment, I would receive a notification with the new balance. In addition, during those conversations I told them that I would n't give any information about my bank account because I do n't know who they are, so I made my first payment on XXXX XXXX, 2015 using their website in which I opened an account. 
After that point, I never receive the new statement, and I could n't access to my online account, but even worse is that they are saying today that there is n't any settlement, and they are forcing me to pay the whole amount of money again after I started with my first payment which was of {$200.00}. 
If it is a serious company, there should be all of our conversations recorded, and there would be easy to identify who is saying the truth, and who is dishonest. 
To sum up, my initial balance with the original lender was about {$600.00}. Then, after I could n't pay it for a few months, it skyrocket to {$930.00}. Afterward, I agreed to start my payment if the account would be reduced a little bit, and it was reduced to {$760.00}, and later, I paid {$200.00}, so today the balance should be {$560.00}. However, they did not keep their word, and the balance is {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 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 Association On XX/XX/XXXX I sent Portfolio Recovery a Debt Validation Dispute letter because on my credit report its stating a deragatory acct. Of {$550.00} I sent it certified Mail Return receipt requested. Post mark on Receipt Received on XX/XX/XXXX. However during the period of days nothing, No correspondence or acknowledgement or Debt Validation response has come to my attention.They put on my credit Report that Acct is Disputed by Consumer I have sent a second letter, waiting the 31 days I sent another Disputed and Debt Validation on XX/XX/XXXX.But even a second Dispute Debt Validate so the can respond with some correspondence.Nothing has been received by me, they signed for the Two Certified however I Have n't received 1 piece of correspondence from them, no letter of acknowledgement.The company states in all my Credit Reports go through Portfolio Recovery. Portfolio Recovery states I have a Deragatory Open Acct of {$550.00} which original creditor is XXXX however Creditor Contact Details Portfolio Recoverywith no details. On all my XXXX different Credit Report it states meets FCRA. .Portfolio Recovery has not sent me the Consumer One piece of information for this claim.The Credit Report states the account was opens on XX/XX/XXXX. My XXXX report from XXXX/XXXX/XXXX states loan types Debt Buyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: 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 2016-02-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I explained to portfolio recovery to take my number off and to contact me only by mail and the representative tried to argue about taking my number off and I disconnected the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
THE REPRESENTATIVE CALLED ON A SUNDAY, XXXX XXXX, 2015 AT XXXX EASTERN STANDARD TIME. I LET THE REPRESENTATIVE KNOW THAT IT WAS A SUNDAY AND I WAS WITH MY FAMILY. HE STATED THAT THIS CALL WOULD ONLY TAKE A MOMENT OF MY TIME. I FEEL THAT HE WANTED ME TO TALK WITH HIM ANYWAYS DID N'T MATTER TO HIM IF IT WAS A SUNDAY AND THAT I WAS WITH FAMILY. THE COMPANY IS PORTFOLIO RECOVERY AND THE NUMBER THAT SHOWED ON CALLER ID IS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
I traded my vehicle in on XXXX XXXX 2016, and a payoff check was sent overnight via XXXX for the payoff amount. 
Harley Financial AKA XXXX XXXX then labeled my account PAST DUE and still refuses to record the full payoff check to my account so they can add fee 's and costs along with damaging my credit in the process because they claim the pay was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 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: FL

Complaint narrative:
I have been receiving harassing phone calls for the past year from a company called Portfolio Recovery. I have told them that they have the wrong person, and I have never been in debt for the past 60 years. They keep calling and me several times every day and it has disrupted my life. They just wo n't stop calling no matter what I tell them. Please can you do something about this. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
these debts were discharged in bankruptcy. It is on my credit report as a collection and it should be deleted from all XXXX buearus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates purchased my debt after it had been written off. After I moved into my home they started knocking on my door and threatening me with legal action and until I agreed to a settlement and a settlement was offered for a partial payment in lieu of going to court, at the time I was in XXXX treatment. I was told this would not be added to my credit report and I have been disputing with them for the last 5 years to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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: FL

Complaint narrative:
This company basically likes to steal from people. They are still reporting me on collection when I have informed millions of time that the account that is open under my name, was open as a result of identity theft. I contacted them last week to let them know again, and tried to find a possible solution to my problem, and the representative that took care of me over the phone told me that the account was a result of a XXXX card. I wasnt even aware of that. I find this very weird because I was approved for a XXXX card having them reporting me on collection. When i checked my credit report, it said that he original creditor for this account was XXXX bank nevada. Nothing makes sense to me. They dont even know what they are doing and what they are charging me for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Although I took my daughter to XXXX, on XX/XX/XXXX we left his office before any service was provided due to lack of hygiene XXXX general bad hygiene practices and inappropriate office practices ( inappropriate magazines in the children 's waiting area ). Immediately following the experience, my XXXX insurance company suggested I file a complaint with the Virginia Department XXXX XXXX XXXX. The case number is XXXX. Although XXXX XXXX XXXX provided NO service at all, his office fraudulently charged my supplemental XXXX plan and collected money for service he did not provide. Additionally, he has been fraudulently billing me {$14.00}. When I received a collection letter from Transworld Systems , Inc on XX/XX/XXXX I immediately tried to call Transworld. I tried several times, but was disconnected when I opted to speak with a representative. When I received another letter dated XX/XX/XXXX I attempted several times, again, to reach a representative with Transworld. On XX/XX/XXXX, I finally gave up trying to reach Transworld, and I called XXXX office directly to dispute the validity of this charge. I spoke with XXXX XXXX and also XXXX XXXX. XXXX XXXX called me back shortly after I spoke with her on XX/XX/XXXX and indicated that XXXX XXXX XXXX would not be pursuing collection, however, today, I received another Transunion Statement dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I previously opened up an American Express prepaid card. I had an unused credit balance. Amex decided to charge a monthly fee or I could avoid the fee and close the account. As the account was very old, the address was incorrect. I attempted to update the address and close the account but Amex refused to allow me to do so. Amex told me I had to send them a copy of my id and a bank statement to update the address, which I refuse to do. Or I could leave the account open and my balance would be reduced by their monthly fee until it was diminished. 

This is outright theft of my money, regardless of how small the balance is. I will never never never never ever give Amex my bank statement to a non Amex bank account. Amex chose to change the terms, I chose to close the account, they are refusing to allow me to do so and the CFPB just sits by while they do it .... 

To Amex 's financial gain. This system allows Amex to hold on to client account balances, refuse to close them, and then take the balances XXXX fee at a time until the money is all theirs. All that have to do is put onerous or burdensome or invasive account verification strong-arm tactics in place and then people wo n't get their balances and then Amex fees will obliterate client balances until they are gone. Really, nothing short of a CFPB sponsored swindle ... 

Once again ... CFPB = XXXX CONSUMER PROTECTION. Quote me on that ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management keeps calling even after I tell them that to stop calling XXXX XXXX wanted to keep me in a contract I was never aware of it when I cancel my account they started to send me diferente amount increased by the day from {$450.00} went up to {$1000.00} this account is from XXXX or XXXX it 's really old I did n't think they have going XXXX got into my bank account and got the money I make a complaint with my bank and they return the entire amount XXXX have my account information and that is how XXXX is been trying to get money I do n't owe now they have midland credit management calling at all the times but they do n't talk they only stay in line and then hung up the phone I have been harassed by XXXX robbed and now they have midland credit management doing the same

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flatonia Investments, LLC
State: OH

Complaint narrative:
I recently inquired with my loan servicer about the steps needed in order to drop my Private Mortgage Insurance ( PMI ). My servicer explained that I must be at 80 % loan-to-equity value, or my PMI would automatically terminate once I reached 78 % loan-to-equity value. My loan-to-equity value is currently around 83 %, so I explained that I would like to have my property reappraised because I am confident that the new appraisal would result in a loan-to-equity value of at least 80 %. My loan servicer indicated that the only way I could terminate my PMI with a loan-to-equity value of 80 % based on a new appraisal was if I made structural improvements ( e.g., an addition ) to my home. The servicer went on to state that if I wanted my PMI terminated based off of a new appraisal, that my loan-to-equity value would need to be 75 % instead of 80 %. I explained to the representative that I was not told about this at my loan origination, and it was not in any of my closing documents from origination. I requested that the servicer send me documents that I signed during origination indicating that my loan-to-equity value needed to be at 75 % when terminating PMI due to a reappraisal. The servicer sent me the Private Mortgage Insurance Disclosure for a Fixed Rate Mortgage document that I signed at closing, but nowhere in this document does it disclose what the servicer informed me regarding the 75 % loan-to-equity value requirement. The servicer stated that this guideline has been established by XXXX XXXX, whom I contacted thereafter. The representative at XXXX XXXX informed me that 75 % loan-to-equity value is a requirement for reappraisal to terminate PMI if no other structural changes were made to the residence, and the reappraisal took place within the first two years. I again stated that I never acknowledged or signed off on any paperwork at loan origination that disclosed this information to me, the borrower. The representative informed me that he hears stories like this XXXX from borrowers constantly. Since loan origination ( i.e., closing ) is a legally binding agreement between the borrower and the originator, any additional policies in place by the entities who buy the loan should not apply if they were not disclosed in the origination paperwork. To do so is breaking a legally binding agreement between parties of a contract, and should thus be deemed not applicable due to a breach of contract.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
This collection agency is attempting to collect a debt from a company/entity called " XXXX XXXX XXXX. '' I am not that company and have never heard from them. I would like this collection agency to stop sending collection notices to my home address concerning this company/entity. The collection agency has also never provide any proof as to how a company called " XXXX '' or who they are, owes any money??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I figured out what has happened with one part of the alleged fraud on my American Express Account. Iemailed and faxed the information to Amex, but Icannot upload the supporting information becausethey closed the inquiry just days after I made thecomplaint. They also closed down my account aday before payment was made in full because of mydispute and out of retaliation, and now I cannotupload the evidence I found to the dispute center, and it will not allow me to re-open this additional. 
dispute, which is actually XXXX disputes. The lettersand information I am attaching proves what I amalleging as to how this part of the fraud more thanlikely occurred, but Amex refuses to listen to me orinvestigate and retaliated by closing an accountpaid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT REFUSES TO PROVIDE ME A WRITTEN OR DIGITAL PAYMENT HISTORY OF PAY- MENTS MADE TO XXXX FOR A CREDIT CARD FIRST OPENED ON XX/XX/XXXX. THIS HAS BEEN ONGOING SINCE XX/XX/XXXX. ALL I RECEIVE ARE A FEW CREDIT CARD STATEMENTS FROM XX/XX/XXXX AND XX/XX/XXXX AS WELL AS A BILL OF SALE DATED XX/XX/XXXX SHOWING MIDLAND ACQUIRING THE ACCOUNT FROM XXXX. THE BILL OF SALE STATES THAT ALL INFO PERTAINING TO THE ACCOUNT WAS TURNED OVER AND THE PAYMENT RECORDS ARE/WERE MAINTAINED IN THE BANK 'S DATABASE. I MADE MONTHLY PAYMENTS FOR YEARS TO XXXX AND MIDLAND IS UNABLE OR UNWILLING TO VERIFY MY PAYMENTS TO SAME. I WILL NOT AGREE TO THE ENDING BALANCE DUE UNTIL I SEE PROOF OF MY PAYMENTS. THE COLLECTION LETTERS KEEP SAY- ING MIDLAND WILL PROCEED WITH COLLECTION ACT- IVITY AND SAY NOTHING ABOUT FURNISHING MY REQ- UESTED INFO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
In 2014 I became unemployed and XXXX Credit cards through XXXX XXXX began collection efforts on my past due account. I called them and tried to work out a plan to get current, however they sent the account to XXXX XXXX XXXX XXXX. I filed for Chapter XXXX bankruptcy because many creditors would not work with me, and closed my account. However, XXXX XXXX continued to badger me for payment, I agreed to a payment plan because they harassed me. I found out later that in bankruptcy they must stop calling and all collection efforts. XXXX XXXX and XXXX both were notified of my bankruptcy and that I represent my self, they were sent the notices of hearings and did not attend any of the hearings, they would not reaffirm my account and keep it open and XXXX refuses to stop the collection automatic debits they harassed me into accepting. I have stopped payment with my bank, but they change the amount of collection and the debit goes through because the amount does not match exactly. I have written them of this bankruptcy, called them about these payments, they are rude and tell me to call back the next day to talk to an analysis, the analysis is not reachable they keep me on hold for upwards of 20 minutes and I call again and get the same treatment. This company is taking payments from me even though I have notified them of the bankruptcy, they refuse to stop or return the money taken against the law of bankruptcy. I have reported them to the bankruptcy trustee, but I still get no results. What do I do to stop this harassment, on the phone they tell me that they do n't have to stop the payments and that I must have a lawyer call them, I explain I represent myself, but that does not matter to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I paid a contractor {$10000.00} using my XXXX AMEX card for services that he was supposed to finish. We had a signed contract that the work would be done, I can furnish that contract. The contractor never finished the services, but he tacked on an additional {$300.00} " credit card fee '', so the total I was billed was {$10000.00}. I called XXXX/AMEX to stop the charges. I sent XXXX photos of unfinished work, as well as copies of the contract, but XXXX/AMEX did not refund my {$10000.00} and paid it out to the contractor in spite of our many pleas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
The lender Household finance is saying that my maturuty date has expired - so I need to pay the balance or do another loan to last 10 years. I need them to provide all the documents to prove what they are saying such as evidence of the maturuty date. and all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
NOC Financial Systems is contacting my son and my father regarding a debt that I apparently owe, although they have yet to contact my phone and leave a message nor have I received anything in writing. My dad is XXXX years old and does not need this added XXXX and furthermore if someone needs to get in touch with me I have had the same telephone number for 16 years. If someone needs to get in tough with me, send it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This debit was paid in full on XX/XX/XXXX to XXXX confirmation number XXXX other numbet XXXX paid direct to XXXX i don, t know why TRASWORLD put this debit in my credit, but i want to delete to all my credit record affect my score trans-union, equifax etc Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: IN

Complaint narrative:
Took out this loan in the amount of {$600.00}. Was told that the loan was {$130.00} per week but was not told that the loan the following 2 weeks and going forward would be {$200.00}. I found that out when they debited my account and I called them. They then sent me a copy of my application. I also found out today from the Indiana DFI hat this company is unlicensed to lend in Indiana and that the percentage rate is well over what is allowed ( 720 % ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation