vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-15 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: VA

Complaint narrative:
Portfolio Recovery has been contacting me since XXXX 2015 or earlier, for collection on a XXXX credit card account that belongs to my husband, who filed for bankruptcy. The XXXX account was settled in bankruptcy court, so they were paid an allotted amount. I did not apply or use the card, ever. My husband 's bankruptcy has been discharged since about XXXX 2015. I have explained this to XXXX representatives of Portfolio Recovery. The XXXX said she would send me a dispute form ... never happened. The XXXX said he saw where the issue was resolved so he was going to " send it up '' because I did n't owe the debt. The XXXX called last week. She said I owe the debt because I was not involved with the bankruptcy. I argued with her because I have not apply for, or used this card, ever. After I speak with a representative, they stop calling for a week or so. Then, they call several times per day while I am at work and then when I am at home. They continue to harass me. What recourse do I have? They put this on my credit report! What can I do about that?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
During the lease contract, the finance person at XXXX XXXX never went over all the clauses associated to the contract. The finance person was pretty deceptive in omitting the fact that Lexus financial would be charged a property tax by the city of XXXX XXXX when a vehicle is leased. The wording in the clause that I signed made it seem as if the fees imposed are my normal vehicle registration fees I would pay the city which is standard in my state. It even indicated that in the state of Texas we are exempt from property tax. I should not have to pay property tax on a vehicle I do n't fully own. I have never paid property tax on any of the vehicles I have financed and should not be held to a different standard because of a lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Information was removed and then put back on as a collection account. I paid the account in full

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Submitted information to the credit bureau after 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TriVerity, Inc.
State: NH

Complaint narrative:
Approximately 2 months ago our family members and in-laws began receiving telephone calls from a man identifying himself as XXXX XXXX on their personal and private, never publicly published numbers. This included business telephone numbers of cell phones for inter-company use. The man would ask for a family member by first name as if he were an old friend, he refused to provide his true name and company he worked for. He was extremely rude and hung up on family members who continued to ask for this information. He also threatened to have his telephone number blocked if we continued to call him and ask for this general information because he " did n't have business with us. '' After our own investigation, we discovered this man works for CU Recovery, a debt collector in Minnesota. Our family member also recently received a forwarded letter from CU Recovery stating they were attempting to collect over {$8000.00} worth of debt from an auto loan that is over 15 years old, no longer collectible or owed by all applicable state and federal laws, and the vehicle was repossessed and resold at auction from this family member over 15 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
This is an official complaint on Toyota Motor Credit. Approximately around the month of XXXX 2014 I traded in a XXXX Lease at the XXXX XXXX XXXX dealership. Upon communication between these XXXX institutions ( dealerships ) it appears that the payoff amount gathered was incorrect and grossly miscalculated. The amount supplied by Toyota Motor Credit to XXXX XXXX was short approximately {$6500.00}. At the time of the transaction taking place none of this information was disclosed to me as these XXXX entities communicated with each other accordingly as their processes are internal within the financial departments. Therefore, due to their lack of accuracy and efficiency I have an outstanding delinquent amount due that is being reported on my credit. I have made numerous attempts with the credit reporting agencies, along with numerous communications with both dealerships ( Toyota Motor & XXXX XXXX ) to no avail. This is seriously placing a blemish on my credit report and as a business owner this is also inhibiting future growth and expansion. 
Your prompt attention to the severity of this complaint would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 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: KY

Complaint narrative:
Portfolio recovery calls multiple times a day for a debt that is well over 9 years old. I have asked that they not call me at my place of employment and they continue to do so with the most recent being XXXX/XXXX/15 at XXXX. I would like for them to stop calling my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I would like more information on the account being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery repeatedly calls me and threatens me with a law suit on a debt that I do n't remember, they harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XXXX, received yet another notice as well as many telephone calls over the past months, Portfolio continues to harass me via phone and mail and refuse to cease and desist. I am now going to file legal action against them as well as join a Class Action suit against them. 

Since XX/XX/XXXX to present, I have asked them when they call to stop calling and also returning their notices to them demanding they cease and desist. 

XXXX -Called the XXXX number and spoke with XXXX at Portfolio stating that I am receiving notices and harassing phone calls from them and I want it to stop. XXXX stated it would stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am receiving phone calls periodically at work from Portfolio Recovery Associates stating that I owe a debt to XXXX XXXX resulting from a credit card account. I have stated that I am a current XXXX XXXX cardholder and know of no past due balance to XXXX XXXX and have told them to not call me. 

Upon further review of my credit reports, I have found that Portfolio Recovery has been doing a soft pull of my credit reports on a monthly basis for a very long time. 

I know of no debt to XXXX XXXX or Portfolio Recovery, and feel that their attempts to collect this debt ( which either does not exist, is an authorized user account under which I have no responsibility, or a time barred debt under the FCDPA ). I am demanding that Portfolio Recovery either provide proof of a legitmate debt, in writing, stating in full to include all pertinent information, or stop harassing me on the phone and stop pulling credit information as I feel that there is not a permissible purpose under the law for obtaining my credit information, and is certainly a violation of my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have contacted this company that this debt is not mine. I have said this was not opened by me and should not be reported on my credit report. Portfolio Recovery continues reporting this debt as owed on my credit report. I have asked them to remove it ASAP but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
REf # XXXX Portfolio Recovery. 
The creditor filed an illegal law suit against me and was issued a judgment based on fraudulent information. The creditor had/has no proof that they even own the debt in question. Further the affidavit confirming the amount of the debt owed was " robo-signed '' fraudulently and the actual amount of the debt was never actually verified as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received phone calls at least twice a day every day. I have written letters to request validation of the debt and no reply. I have never had a XXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
They call repeatly sometimes every hour. I have requested them to stop the calls. I am very sick and having XXXX problems. This has contnued for 60 days now. They call even on Sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I came to the dealership to purchase a new vehicle. I was greeted by XXXX XXXX XXXX, the sales consultant, there. After we sat down and discussed the terms to the new car purchase, he and the sales manager, XXXX XXXX, told me the price for the new XXXX Toyota Camry SE was {$19000.00}. With that price being agreed upon, I went in the room to discuss the finance with the financial manager, XXXX XXXX. 
XXXX told me that because I did not qualify for a low interest loan, they would have to take away the {$2500.00} cash back offer by Toyota manufacturer so I can be qualified for the loan. That brought the total up to {$22000.00}. On top of that, he said because Toyota financial service will only guarantee me the loan if I purchase all of their warranties. At the end, the total came up to be {$31000.00} including tax and title fees. When finally drove the car home, I realized that the paperwork stated the car was a XXXX Toyota Camry SE but the car they did the paperwork on was a LE model, which cost less than the purchase price on the paperwork. 
I contacted the dealership later trying to resolve my problem but XXXX, XXXX, and XXXX refused to work with me to resolve the situation. Even though they provided me with misleading information on the purchase price and the actual model of the car. XXXX also falsely told me that I need to purchase all of their warranties in order to qualify for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 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: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
A XXXX fake bill collector imposter? or someone called my relitives house threatening that they were serving papers to my house or my place of work claiming they were giving me a two hour window to respond threatening legal action ..and insinuating arrest and they didnot have permission to call my ex husbands house. The number is XXXX. My XXXX complaint is a bill collector Portfolio Recovery collection agency repetitive blow up my phone calls kinda business continues to call and harrass and I dont even owe them. I had to change my ph number XXXX to avoid there company dial calls. I ask them several times to stop and they wont. they claim that I am whomever there after and are very persistent about it and demanding ... Please make them stop immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02 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: G & D COMPLIANCE
State: ND

Complaint narrative:
I worked with a gentleman in college who apparently got into some serious situations. Ever since then I have received phone calls randomly from Debt Collection agencies asking for him and information on how to find him. I have repeatedly asked them to stop calling my number because I am not the person they are referring to and have no contact with him any longer. I continue to receive phone calls and I am not impressed that someone was able to use my phone number as a contact number, which I did not agree to, and now I receive harassing phone calls when I have repeatedly told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years, an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court, I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX, 2015 but it remains on my credit report still. This issue has been on my credit report for years and has caused me to incurr high interest rates on many occasions. The least they could have done is to stop reporting a debt that is not valid to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC
State: CO

Complaint narrative:
back in XXXX of 2014 I purchased a car from XXXX XXXX. We financed our car thru FlagShip Credit Acceptance for XXXX. After about a year I decided I would take my tax return and pay the majority of the car off. I called FlagShip not only to find that they had transferred my car over to another company ( XXXX XXXX XXXX ), but my rates and payments went up. I was never informed of this until the day I called. They proceed to tell me I needed to make a payment because my monthly payments had gone up months ago. I was never aware. I went from financing the car for XXXX to having credit acceptance take over and them saying they changed the finance to XXXX. The car alone is only worth XXXX. After talking to legal aid they suggested I repo the car. I just had a baby. there was no way I could afford XXXX monthy rent, XXXX utilities, car insurances, renters insurances, car payment, and feed my family at the same time. I was only an XXXX when I bought the car and got promoted to XXXX after my daughter was born. Last week I spoke to XXXX from XXXX XXXX XXXX in XXXX, CO. He informed me everything that has happened between FlagShip and XXXX XXXX was not legal and they took advantage me. He then told me to contact you guys so I can make a complaint.

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 2015-05-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This companyPortofolio recovery asscXXXX vaCalls on old debts credit card that have been charged-off by original creditor and even been mailed a XXXX. These debts are old, though this co has bought them and has cleed at home on my cell-phone at all hours. They call and leave no messsage at home on cell. They call from several numbers likeXXXX XXXX XXXX XXXX XXXXto name a few. I fell harassed by this company for these old debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I recently returned a lease to Lexus, which was financed through Lexus Financial Services. As part of the negotiation to return the lease and enter into a new lease, Lexus agreed to settle the remaining balance on my account. The account had a balance of {$1800.00}. Lexus applied a waiver for that amount to my account, which I can see is posted on XXXX/XXXX/2016 when reviewing the online account history. However, I recently received a notice from Lexus Financial Services indicating that I owed a balance of {$1800.00}. The notice was dated XXXX/XXXX/2016 and indicated that I needed to pay that balance in full on XXXX/XXXX/2016. I contacted Lexus Financial Services on XXXX/XXXX/2016 and was informed that my account had been placed with the XXXX. I spoke with a representative ( XXXX, ID # XXXX ) and he informed me that he did not see the transaction in that amount in the notes he was reviewing on the account ( which is separate from the accounting system ), and that my account still has a balance of {$1800.00}. He informed me that the waiver was not a payment on the account, and rather that the balance was moved to a closed XXXX number account. None of this had ever been explained to me when returning the lease, and when talking with the dealer they informed me that the balance would be settled in full. No one had ever explained that I would have a " closed account '' established for this balance and that the balance would be due immediately. I am concerned that this was a deceptive act on behalf of the dealer and Lexus Financial Services, and that they led me to believe that I had closed my account in full when in fact the balance was moved to a separate account without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
We have a leased XXXX from toyota financial services, they reported us 30 days late negative credit reporting. Our lease contract was expiring, we called and had it extended. This change screwed up their billing cycle as proof we have print outs from toyota website showing no billing statements were ever created for XX/XX/XXXX and XX/XX/2016. We even made double payments when finally thier system accepted our payments. basically their system was not accepting our payments because of the lease extension changed billing cycle/system. we wrote letters to toyota to correct the reporting but they are saying not their fault. No one is even available to speak with in their credit reporting department, i am the co signer, i had perfect credit in the XXXX, always made payments on time. 
attatchments are letter to toyota and printscreen of toyota website showing no statements generated for XX/XX/XXXX and XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates is attempting to collect debt for which the XXXX of Limitations has expired. They call from multiple telephone numbers and leave no messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 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:
on XXXX/XXXX/2015, I filed an dispute with Portfolio Recovery Associates , LLC. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Portfolio Recovery Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Portfolio Recovery Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Portfolio Recovery Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Portfolio Recovery Associates sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
XXXX is not showing my car loan.

Company response to consumer: Closed with explanation