vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I stayed in the car and send my wife to withdraw money from atm at XXXX at XXXX Texas XXXX. She had my serve debit card. I gave her the pin and asked her to withdraw XXXX if it did not give her the amount to cancel it, and we can withdraw it from another bank. When she saw that the atm was going to charge her a fee she declined the transaction. As she declined it no money was dispensed. We immediately left to another bank to try to withdraw the XXXX not knowing that American Express had charged me the XXXX to my card when no money was released.I called american express they informed me that they will see if they refund me, in other words they do not want to refund me. Another thing the ATM only dispenses up to {$400.00}, how could they release XXXX. I never received the money yet american express charged me the XXXX Immediately. They have camaras at the Atm no money was dispense even XXXX has cameras so they can see no money was released. I spoke to the manager called XXXX and they informed me I had to contact the XXXX, when I called them they informed me to file a complaint with American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
they have calling me time and time again even when I have told them not to call me any more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 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: FL

Complaint narrative:
Portfolio Recovery Associates keeps calling me from numerous phone numbers on a debt that was from 2009 and beyond the Florida statute of limitations. On various occasions they have threatened to sue me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Toyota Financial Services sent my account to a collection agency to collect lease termination fees even though those fees were paid XXXX XXXX 2014. The check was cashed by Toyota on XXXX XXXX 2014.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18 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: CO

Complaint narrative:
Bankruptcy was filed approximately 25 years ago and these were credit card charges. I recently purchased a house in my name and Portfolio Recovery inquiries and phone calls started. No negative credit has been listed on credit reports, but I have paperwork leading me to believe I could have IRS issues. The stress this has created has been unreasonable as I was a homeless veteran finally getting off the streets, and it appeared the fraud they were perpetuating on me was going to stop the process. I did receive a post card in the mail recently that there is a class action suit about these calls, but there has been more than just phone calls in my case and I wish to document this. My identity and history has been stolen too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I get several phone calls a day at all hours of the day after I had spoke to someone previously about the account being closed by the original creditor. When this was not acceptable I explained my complicated medical complications and offered and settled on a date that they would contact me to settle and close the case by excepting a much smaller portion that would not include late payments or surcharges. I was being charged nearly twice as much as my original debt. This original charge was used for buying prescription glasses for my child.. I could not afford insurance at that time and so buying glasses this way even though I was being taken advantage of was a necessity for my child. I tried to include additional phone numbers they were calling me from but your form only allowed XXXX. I could have supplied you with XXXX more. Again these phone calls are still being made several times a day and all hours of the day with multiple phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-30 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: WA

Complaint narrative:
For the past year, I have been disputing the validity of a debt through Portfolio Recovery Associates. My credit report does not show a past due account with XXXX. On XX/XX/2016 a man who represented as a XXXX County Court process server showed at my residence and gave my spouse a summons of a pending lawsuit from XXXX XXXX XXXX XXXX. I contacted the XXXX County Court and there had been no lawsuit filed. 

I contacted Portfolio Recovery on XX/XX/2016 and I spoke with XXXX XXXX in the legal department. He stated, " I can not discuss this case with you and you need to contact XXXX XXXX XXXX ''. I subsequently left a voicemail for XXXX XXXX, the representative responsible for my case. 

On XX/XX/2016, after receiving no call back from XXXX XXXX, I called XXXX XXXX XXXX again and spoke to a different representative who I told I just wanted this behind me and I would pay off the account even though I believed I did not owe it. I do not want to go through the time and energy that it takes to legally battle this issue. She pressured me into stating for the record that my dispute was resolved. I stated that it was " resolved under duress. '' She then offered me a settlement of XXXX % of the balance. She sent a email to XXXX XXXX to contact me which he did that day. I agreed with XXXX XXXX to settle the debt for {$1000.00}. The original balance was {$1200.00}. He sent me a settlement letter and I paid it that day with my debit card. I have XXXX letters verifying the debt has been paid. 

On XX/XX/2016, I contacted Portfolio Recovery Associates and I was immediately asked to pay {$250.00} on my past due account for XXXX XXXX. I told them the account was n't mine to begin with but I had settled it through XXXX XXXX XXXX. They refused to help me sort out the balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Sent a letter to PRA about a fraudulent collections acct opened in my name & they refused to delete it from my credit report & harassed me with calls. I sent a certified letter to Portfolio Recovery Associates ( PRA ) on XXXX/XXXX/17 regarding a fraudulent credit card account that had been opened in my name and then sold to PRA as a collections account. I explained that I had my identity stolen on XXXX seperate occasions in the last 6 years and I 've even had to be issued a pin every year for my taxes as the criminals who stole my identity also tried to file fraudulent tax returns in my name. I offered to settle the debt at 50 % of the amount owed even though I acknowledged that it was not my doing to begin with. I offered this because I 'm trying to finally have this account as well as others related to the identity theft removed from my credit report. I also asked that PRA not contact me via phone at all regarding the matter. PRA sent me a letter with copies of the credit card statement alledging that I did indeed open the account with no response to my offer to settle the account by paying {$520.00} in exchange for it being deleted from my credit report. In addition, I started receiving harrasing phone calls from PRA starting on XXXX at XXXX XXXX and again on XXXX at XXXX XXXX, despite my explicit request to be contacted by mail, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22 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: FL

Complaint narrative:
she told me and did not give me her name that she can go after me for a 10 yer old debt. i tried to get it settled but the company refused payment told me i had to pay the whole amunt or esle. than sold the debt to another company. which calls me 5 times a day now even after i said no contact

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
We bought a car from Toyota several years ago. The XXXX CA office carried the paperwork. We paid the car off last XXXX and they sent us a paid in full ltr but have not cleared that loan with the reporting agencies as a {$390.00} balance. I disputed it online and sent the them a letter asking them to clear it to no avail!?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Received the attached letters from FN regarding a check that they debited checking account for {$800.00} due to the check being only for XXXX I verified with my back ( also attached XXXX file and copy of check that the check clearly paid for {$800.00}. I immediately called FN on XXXX ( appx. XXXX ) to report and dispute, I was told that someone will call me back the next day. No one did! On XXXX appx. XXXX I called again. The representative said no notes were there. Find that hard to believe. In both conversations I clearly stated the check was for {$800.00}, and even if the check was for {$80.00} I should have been debited on XXXX I explained to both of the reps that I do n't have credit for the {$80.00} if that was in fact true. I personally do n't think either rep understood. As I looked closer to the documents they sent - I realized another account information in included XXXX - no image of check is included only a deposit ticket. Personally I feel that this it could be another deposit or it 's the batch ticket. In any event I do n't think I should be in receipt of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The alleged debt that Portfolio Recovery Associates listed on my credit report as a collections account falls under the Settlement between Portfolio Recovery Associates and the Consumer Financial Protection Bureau from XXXX XXXX, 2015. Per the settlement Portfolio Recovery Associates engaged in a pattern of " Without verifying the debts, the companies collected payments by pressuring consumers with false statements. '' This settlement applies to my circumstances because Portfolio Recovery Associates solicited payment on the debt with false statements from their representatives. In addition, Portfolio Recovery Associates, added a collections account to my credit report AFTER complaining to Consumer Financial Protection Bureau regarding their deceptive debt collection practices. In retaliation, Portfolio Recovery Associates added a collections account to my credit report without verifying the account. In addition, I was explicitly told that a lawsuit was pending if I did n't pay the debt immediately which was a lie. Furthermore, Portfolio Recovery Associates misled me by consenting to receive auto-dialed cell phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery continues to contact me and my parents from multiple numbers at all times of the day!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Payments to Toyota Financial Services set up by me as auto BANK payments, however TFS has repeatedly charged late fees even though I have bank documentation of the date DELIVERED BY. 
Fees are & gt ; {$35.00} for a monthly payments of {$750.00}. The next month an additional {$15.00} is charged. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
The company offered a settlement amount which I have satisfied and yet they tell me I need to pay the balance due since I did not get the last payment to them by the exact desired date that they desired. I have received numerous offers for settlements with different amounts and I chose XXXX and paid it. The Original bill was {$440.00} and they offered a settlement of {$220.00}. ( Note that it says " and owe nothing '' after you pay the amount offered ). I have attached the copy of the offer that I accepted and an additional offer that they sent as well just to show you the different options that came in. I have copies of my bank statements that show the payments I made but they sent me a list of my payments which are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 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:
I have been receiving calls from Portfolio Recovery trying to recover a debt to XXXX 's. While I had a XXXX 's credit card, the account was paid in full and closed over a year ago. All information XXXX XXXX provided to me ( my addresses I have lived, date account was opened and used, and the balance owed ) was all wrong. When I told him that was not my account, he then said he could mail me a dispute form. However, he could not tell me my address, which again I reiterated it clearly was not for me. He said he would continue to call until I provided my address. He called from XXXX and provided the callback number of XXXX, which are different numbers than the corporate number posted online at XXXX. This debt is not mine, I do n't even have a XXXX 's account anymore, and I would like for this company to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 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 am being pursued by Portfolio Collections Agency, LLC via U.S. mail for XXXX credit cards which I have no recollection of having applied for. As a result, my XXXX credit report is negatively impacted. After carefully reviewing my credit standing with the XXXX major credit bureaus, I have traced my steps backward and forward repeatedly in an effort to try to recall how this could have happened. I have taken steps to call, email, and/or write in order to dispute any inaccurate information found with these credit bureaus, have gotten positive resolutions for most of my disputes EXCEPT with Portfolio Recovery Associates. 
I began contacting Portfolio Recovery Associates since XXXX XXXX, XXXX, and my experience has been like dealing with inept and poorly trained individuals with no interpersonal skills. They give inconsistent answers, they talk over me, they 're rude when asked to refrain from interrupting, they have poor telephone etiquettes, they lie consistently and twist my words around. They are evasive, enjoy playing mind/chess games, are short-tempered to the point where nothing gets accomplished at the end of my calls. 
I was told that credit card number XXXX ( amount {$930.00} ) was opened in XXXX and number XXXX ( amount of {$80.00} ) was opened in XXXX. Yet, when I lost my job, my home, and had to file a bankruptcy in XXXX, these XXXX accounts did not exist or they would of been included in the bankruptcy. I have proposed to them that perhaps my ex-husband may be responsible for these accounts or someone else may have fraudulently applied for these accounts. I have also asked that Portfolio Recovery provide me a copy of the original applications with proof of the signatures of both accounts, but I have yet to see proof of these requests. They 've even asked that I should contact the original creditors and ask them for the original applications. 
This company, their staff, and business practices need to be investigated thoroughly, fined, and put out of business. I am a responsible consumer who fell on hard times but this does not give anyone the license to take advantage of my misfortune. I wonder how many more individuals are going through what I 'm being put through? 
I want to see this matter resolved as soon as possible so that my credit standing with XXXX can be restore. 

Your effort in assisting me in bringing this matter to a final resolution will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX ( XXXX ) was notified to cease contacting me regarding a credit card debt ( letter attached ). The debt was sold to Portfolio Recovery who attempted to collect on the same debt. Portfolio Recovery was noticed to cease contacting me on XX/XX/XXXX ( letter attached ). On or about XX/XX/XXXX, I received another collection letter from Portfolio Recovery ( letter attached ). In my letter of XX/XX/XXXX, Portfolio recovery was requested to send to me verification of this debt and supporting documents. They never responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26 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: CA

Complaint narrative:
As of XXXX XXXX, 2016 " PORTFOLIO RECOVERY ASSOCIATES '' has resubmitted a debt that is not mine. New Debts in Collection Since your last update on XXXX XXXX, 2016, you have XXXX overdue debt that has been transferred or assigned to a collection agency. 
Debt Collector Original Creditor Balance Owed Reported By PORTFOLIO RECOVERY ASSOCIATES XXXX {$5200.00} XXXX This debt was removed then reactivated. Collections Accounts Removed Since your last update on XXXX XXXX, 2016, XXXX collections accounts have been removed from your credit report. 
Account Type Removed Status Reported By XXXX. Collections Removed XXXX PORTFOLIO RECOVERY ASSOCIATES Collections Removed XXXX The original amount owed according to XXXX was {$2500.00}. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 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:
Hello, I 'm extremely upset. I settled the debt in full and now has a XXXX balance and they refuse to send me my letter stating it 's been paid in full and send to Credit Bureaus that this dept now has a XXXX balance and has been paid in full. This is an issue, they are not doing what they should when a dept is paid. 

Please have them fix this right away. It 's affecting my family and i financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The debt is well beyond the Statue of limitations for collection. They have repeatedly taken of on credit report only to add it to others time and time again. The account was sold in XX/XX/XXXX and resold in XX/XX/XXXX. It should not appear on my credit report. They should not be calling family members about this old debt. They should not even be writing me about debt. They have been sued, they have been fined, yet they continue to commit the same unethical acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Collectors falsely told people they were being sued article, without verifying debt the companies pressured consumers

Company response to consumer: Closed with explanation