vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Atlantic Credit & Finance, Inc.
State: NY

Complaint narrative:
On or about XXXX of 2015, I started to receive request for payments to which I disputed based upon claims of stolen ID THEFT.However, XXXX XXXX XXXX ATLANTIC CRED continued attempt to collect a debt that I do not owe. I personally contacted ATLANTIC CRED and disputed the validity of the debt. I personally requested that ATLANTIC CRED to perfect security interest and VALIDATE the DEBT by providing me with " Certified BILATERAL CONTRACT " obligating me to this debt with the " ORIGINAL CREDITOR '' NAME ; ADDRESS and unpaid invoices under FDCA. To this date, ATLANTIC CRED has failed to be in compliance of FDCA, thus, unilaterally without just cause continued to violate my civil rights causing and preventing me from securing good paying job, adequate housing and/or obtaining new credits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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: DataMax Corporation
State: FL

Complaint narrative:
I have contacted them by US mail, email and phone to inform them this is not my debt. I have also filed disputes with all three credit agencies. They refuse to remove this erroneous debt from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP
State: IN

Complaint narrative:
I applied for a reverse mrtg with XXXX and was turned down for what I believe was a bogus reason. I then wrote them a letter asking for a better explanation, and never got an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
RECEIVING TEXT MESSAGES ON THE APPLICATION " GOOGLE HANGOUTS '', REQUESTING I CALL A CERTAIN PHONE NUMBER TO DISCUSS DEBTCOLLECTION, FOR DEBT I DO NOT HAVE. CLAIMING TO BE FROM A XXXX. THEY HAVE CALLED ME AND LEFT BLANK VOICE MAILS ON THE APP. AS WELL. PHONE NUMBERS FOR SCAM ARE AS FOLLOWS ; XXXX AND XXXX.

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
Consumer complaint received 2016-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: WA

Complaint narrative:
XX/XX/XXXX my Health Savings Account could not be accessed by a Key Bank teller. We then discovered XXXX checks totaling {$7900.00} had been written on this account XX/XX/XXXX-XX/XX/XXXX ( none of them written to health professionals ). I did not check this account routinely since I last used it in XX/XX/XXXX. I filed an affidavit of fraud with Key Bank, filed a police report ( they could not help since identity theft is hard to prosecute ), checked the credit bureaus for other fraud ( none was found ) & assumed I would get reimbursed by Key Bank. However, Key Bank refuses since it had been greater than 60 days since the fraud occurred & the discovery & report of fraud. I have contacted local , county, state and federal agencies asking for help. The WA State Attorney Generals Office has started an investigation # XXXX. I believe the office forwarded my information to you but suggested I do so as well. If you decide to help me & need more information about any aspect of this case, please let me know & I will send everything I have. I have talked to several people & not one person I spoke to is aware of this rule. I would love to get my money back but even more I would love to have agencies responsible for protecting money, notify consumers when an account is opened, this rule exists. Consumers should have to sign they understand this rule. 
Thank you for your interest. If you can help me, I would so appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
To whom it may concern, Our house was mortgaged by XXXX XXXX XXXX then M & T Bank bought the mortgage from them. All during this time that they have owned the loan every year they we receive ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT FROM THEM. They always send us a shortage coupon and always try to XXXX our property taxes, when our taxes have only gone up {$16.00} this year. Our property taxes are for this residence and the adjoining lot which is {$590.00} for this year. M & T Bank want 's to raise the property tax that they collect from us to {$1000.00} This happens every year with them and we have to fight with them and then we have to call them and they state they will have to research it. 
XXXX XXXX XXXX stated to us that the PMI on our loan could be dropped after 5 years as long as we did n't have any missed payments or late payments. Which we have made every payment and not been late with it. 
I have been trying for the last 3 years to get M & T to drop the PMI and they state that we have to have a 80 % Loan to Valuation ratio and we are at 80.6 % and the lone is close to 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Atlantic Credit & Finance, Inc.
State: NY

Complaint narrative:
This collection agency is alleging I owe a debt. I have never received any letter from this company and I do not know how this collection agency retrieved my personal information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I keep getting phone calls from this collection company at my place of employment. I have never given them permission to call my employment and if this continues I could possibly lose my job. I do not wish to get calls from them at my employment and this needs to stop immediately. On XX/XX/XXXX-the receptionist sent me this email because I was with a client and the person was rude to her, " Call from XXXX with Portfolio Recovery Assoc. needs a call back at XXXX. '' Today, the receptionist received another call from " Please call XXXX XXXX XXXX ... ask if anything else in the message, she said no.. '' I looked the number up and it was Portfolio Recovery Associates XXXX They have called several other times and again I can not have this going on. Is there anything I can do about this issue and if I loose my employment can I go after them for compensation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 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: NH

Complaint narrative:
Portfolio Recovery Associates was trying to collect XXXX separate debts from me and although I paid monthly payments, believing PRA was entitled to collect on these accounts, the pricipal amount increase indicating PRA was charging interest. I disputed these accounts on 4 occasions ( beginning XXXX/XXXX/2015 ) and requested verification, but PRA refused to provide original account agreements or an accounting of what was paid and due. I then learned the there was a consent decree, binding PRA from collecting certain debts. I then received a refund and a letter indicating that at least XXXX ( and probably both ) wasa covered by the consent order. I also discovered that PRA is still reporting these debts on my credit reports. I want to know 1 ) are my XXXX debts covered by the consent decree ; 2 ) is PRA prohibited from collecting these debts ; and 3 ) if PRA can not collect, why ca n't these XXXX items be deleted from my creidt reports because PRA can no longer collect them?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 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:
The last correspondence I sent the company on XXXX pertained to a demand for validation. The company 's correspondence to me dated XXXX provided me with verification of the account, they failed failed to provide me substantive validation of the account, there are no statements and contractual agreements from the original creditor that they could produce and at the same time they persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery insists on calling me repeatedly about credit card debt after being instructed not to call. Its number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
After reviewing my credit report, I found that Portfolio Recovery Associates was reporting a debt on my credit report. 

I requested through the credit bureau that the debt be validated. Also I noticed that the debt in question was a zombie debt and beyond the Statute of Limitations to be collected in the state of Texas ( 4-years ). I never received a " dunning letter '' from this agencies so I could adequately dispute the claim made. 

After sending dispute letters to XXXX and XXXX without any results, I decided to send my dispute with Portfolio Recovery Associate ( PRA ) to the XXXX. While their investigation was pending, PRA 's account was removed and reinserted per my credit monitoring service ( XXXX ) and the credit bureau XXXX. My account with Portfolio Recovery Associates were " parked '' thus reaged. My debt appeared to be a new collection thus negatively affecting my credit score. 

This is a violation of FCRA for not giving me a five-day notice of the reinsertion of debt and the FDCA for the re-aging of Portfolio Recovery Associates account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery placed a lien on XXXX home. XXXX is deceased. The lien is related to a debt Portfolio Recovery purchased from XXXX XXXX XXXX. These credit card accounts do not appear as a trade line on XXXX credit report nor did they appear on any of her loan application for XXXX loans acquired AFTER these accounts were opened. XXXX XXXX is unable to provide ANY evidence that this debt belonged to XXXX XXXX i.e signed credit card application and credit card statements. XXXX was in her late XXXX at the time and had been XXXX. These lines of credit are totally inconsistent with her life long credit history. She NEVER was into credit cards. She was a miser and did not spend money frivolously or frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FC HoldCo LLC
State: MD

Complaint narrative:
Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have a credit card debt that was settled since 2009. A judgement has been recorded. I have a satisfaction letter but Portfolio refuses to record the judgement satisfaction. I have told them that I was in the middle of selling my home and that I could not because of the lien recorded. They refuse to give me a timeline for when this can be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13 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: OH

Complaint narrative:
This is inaccurate and should NOT be even listed. I have a current good standing account with XXXX XXXX and prior have n't had any business with them for 7 years. I have disputed this item several times. This is a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 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: NJ

Complaint narrative:
I have no knowledge of this debt. I made XXXX separate calls to XXXX different numbers. The first representative advised me the debt was for books that I ordered. When I asked where the books were delivered I was not provided an answer. The second call was even more frustrating and I was advised that it was clothing. I never opened an account in XXXX with Portfolio

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Toyota Financial Services ( TFS ) allows its customers to pay online or by phone. I have repeatedly made payments online since I obtained this account. The website even allows you to set up dates for future payments or payment arrangements. My complaint : once a payment date is selected, TFS continues to repeatedly call my phone -- every day and every hour on the hour! I receive email documentation that the payment arrangement has been made and I can even see online that it is in progress or pending, yet these idiots keep calling me repeatedly -- even when I tell them that a payment has already been set up or arranged online. Then the representative responds -- '' let me check the system to see. '' Duh??? Well, they should be checking BEFORE they dial my number!!!! This is happening EVERY DAY and EVERY SINGLE MONTH and I want it to STOP! The PAYMENT HAS NEVER BEEN 30 DAYS LATE, so technically, TFS is not even in a position to report it to a credit bureau as such, so I do n't know why they can not update their payment and calling systems and stop calling customers to death -- particularly after a payment or payment arrangements have been made!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
TOYOTA MOTOR CREDIT CORPORATION has no legitimate claim I to my consumer property. They are not a party to the contract I signed with XXXX The Contract listed XXXX as the CREDITOR/SELLER. 

TOYOTA MOTOR CREDIT CORPORATION is not Holder in Due Course of my Consumer private property. I feel that TMCC has conspired against me along with XXXX. I was not given FULL DISCLOSURE and COSUMATION pursuant to Regulation Z of the Truth In Lending Act. 

I have sent out communication via certified mail to TMCC to resolve this matter privately, which they have disregarded, violating my Federally Protected Consumer Rights. 

TMCC has now placed a repossession order on my private consumer good. I am being intimidated by a repossession man and tow truck at the front of my home at which I had to call the police at around XXXX XXXX/XXXX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am XXXX with an excellent credit and Toyota XXXX had me pay a 1.9 % on my car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 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: AL

Complaint narrative:
Portfolio Recovery called my mother and convinced her that it was urgent they sneaked with me. My mother was called at XXXX CST and frantically handed me the phone. I asked who was calling for me and the lady only gave her name repeatedly. I specifically asked who she was representing and finally said Portfolia Recovery. I 've told them to stop calling me as the statue of limitations is passed in Alabama, 3 years if I remember correctly. I 've filed a claim through a credit reporting agency as I 've never received any paperwork via mail from them. I will now send them a written cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06 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: UT

Complaint narrative:
Portfolio Recovery Services is trying to collect a debt from me that is not mine. I got repeated phone calls where they refused to identify themselves until I told them my name. Then they would not tell me their business because I would not tell them my address. I got several of these calls. I figured out who they were and complained to the state of Utah and to XXXX. They responded to the XXXX complaint and stated that they had no debt associated with me and agreed to delete my phone number from their records. But they got my address from the XXXX complaint ( Case # XXXX ). I have now received a letter from them with information on the account they are trying to collect. It is for a XXXX account. I have never had a XXXX account, I have never purchased anything from XXXX, and the address on the account is not mine. I have been living at my current address for over 20 years ( the account they are trying to collect is from 2014 ). I googled the name and address, and the name on the account matches the name at the address. I have the same name, EXCEPT for the middle initial. I called Portfolio Recovery to try and tell them that the person on the account is not me and the account is not mine, but when I refused to give the guy ( XXXX ) the last XXXX numbers of my social security number, he hung up on me. I will not give them my SSN under any circumstances, because I am sure they will use it to affect my credit. 

Portfolio Recovery has arbitrarily assigned a debt to me that IS NOT MINE. My name is very common - there are dozens ( if not hundreds ) of people with the same name. Without any justification, they have pulled my name and number out of the phone book and started harassing me. I am pretty sure this is not a case of stolen identity. I have XXXX credit monitoring services active right now ( from the XXXX hack, and the XXXX hack - I had a security clearance until I retired ), and I have also reviewed my credit reports ( as a result of the Portfolio Recovery phone calls ). There is nothing untoward on my credit reports, unless they have done something in the last couple of weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26 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: NC

Complaint narrative:
Judgement filed. I disputed the charges and the company has dropped the case due to lack of documentation and proof that the card was used. XXXX credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
My car was repoed. Toyota finance says my balance was {$4300.00}. I paid {$5600.00} through my bankruptcy dispersed to Toyota. ( copies included ) I also paid 2 years at {$260.00} per month before my bankrutpcy. That 's {$6400.00}. For a total of {$12000.00}. When i called after the repo Toyota did n't know that {$5600.00} was collected through the bankruptcy. That money was never applied. When they realized it I was promised a phone call back, and they would work something our with me. I have been ignored. I want my {$12000.00} back. That is what I paid for my car. They took it. Sonow they owe me what I paid for the car. I have included copies from the bankruptcy trustee, and a balance from Toyota. they took the entire car with low miles on so I want all of my money. It 's not fair that i paid all that money and they keep all the interest and the principle. so whay is fair is all the money I paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 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: CA

Complaint narrative:
Portfolio Recovery Services keeps calling me with different phone numbers. I have no standing unpaid debts in the past 7 years so I do n't know why they keep doing this. There are all these different numbers in the past few weeks. Is this even legal? I understand they have bought information about me from somewhere. How can I get them to stop?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 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: SC

Complaint narrative:
Continued attempts to collect a debt that is not mine. Continued reporting to all XXXX credit bureaus of a debt that is not mine

Company response to consumer: Closed with explanation