vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This company calls multiple times a day despite requests that they remove our number from their database. They do not provide information on the debt that they are attempting to collect. I know of no debts owed by me and am inclined to think that these computer generated calls are merely fishing expeditions seeking a similarly named person. They have not responded to requests to communicate via mail nor provided any evidence of a debt owed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-05 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 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am 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 2015-03-28 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: OR

Complaint narrative:
I received a letter from Portfolio Recovery Associates LLC today on XXXX XXXX XXXX about a debt they purchased in XXXX. I paid the amount owed back in XXXX to clear the debt. The other problem is that had I not paid the debt is that the statute of limitations ran out in XXXX. 
They state in the letter " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency. '' If I receive another letter from them can I take them to court?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am receiving repeated calls from an entity on my caller ID displayed as Portfolio Recovery. No message is left. Each call comes from a different number, so call blocking is not effective. I have received no written communication from them. I have no outstanding debts or collection items whatsoever. Portfolio Recovery has many unfavorable complaints and comments on numerous Internet sites regarding their collection tactics, including complaints of attempting to collect debts from people who do not owe money. I am at a loss as to how to stop their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My motorcycle was stolen over 7 years ago and I obtained a police report, with which the debt was removed from my credit. It has now been placed for collection and has been placed on my credit again and they are consistently harassing me about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 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: FL

Complaint narrative:
Portolio Recovery Associates LLCThis company, in which I have never been contacted before ( have had the same cell phone number for over 8 years XXXX, had contacted me on my cell phone and stated that I owe a debt to them. 

I asked them to provide all information regarding the debt including : who the original company was, proof of my authorization on all original contracts, how many other collection agencies prior to them that was involved in this debt collection, etc. 

The person on the phone could not answer any of my questions and insisted on stating that I owe them money in the amount of {$700.00} dollars XXXX or similar amount ). And I need to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06 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: IL

Complaint narrative:
They have reported on my credit report XXXX accounts that are still open and not showing paid. One for XXXX XXXX XXXX and the other for XXXX XXXX Bank. XXXX have been paid, XXXX XXXX in XX/XX/XXXX and XXXX XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 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: WA

Complaint narrative:
The company " Portfolio Recovery '' has called me XXXX times in the past XXXX weeks to try to get me to provide them with personal information regarding my son. They told me they were given our phone number as a contact number for him. We have had this phone number and address for about XXXX years. Our son left home about XXXX years ago when we were living in another state. My son tells me he has paid all his old debts and he owes no XXXX any money. I do not want to receive any more phone calls from people I do n't know asking how they can get to my son. XXXX of the numbers they have called from are XXXX and XXXX. I do not have the XXXX number. A different person calls each time. They should not have the right to continue calling to ask for personal contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a business account with this XXXX XXXX branch of First Niagara Bank. I am the sole proprietor of this business. 
I am the only person that has authorization to sign checks from this account. As per my signature card form. 
My husband and I have recently separated. He was made to leave the home and in the process of moving he located some checks in regards to the business account and took them to a teller and they cashed the checks. ( {$2600.00} ) He had never signed or cash checks in the past. He signed his name on the checks and provided his ID. Although, he is not an authorized signer on that account. 
I received a letter from their investigating team saying they are not liable for any forged funds on my account. The perpetrator did n't forge my name he signed some forms of his name. 
The branch advised if I filed a police report they would refund my funds immediately. Although XXXX XXXX Investigations Analyst XXXX XXXX advise I should have better control over where I leave my personal items and said I could not retain my funds from the bank. 
I have since had to closed that account for fear of the same thing happening again. 
I was always under the impression signature cards were an authorization for signing checks. Please help me understand his decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
XXXX was and has been paid off. However, they apparently sold my account to Portfolio Recovery Associations ( XXXX XXXX XXXX. I filed a dispute and last year XXXX/XXXX/14 received a letter stating a PRA filed a XXXX XXXX Form electronically to delete this account on my ALL AGENCIES credit reports. To date it HAS not been done. RE XXXX XXXX It STILL is showing as a charge-off under XXXX and A COLLECTION ACCOUNT on PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 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:
I was served a lawsuit summons on XXXX XXXX, 2016 by Portfolio Recovery Associates. I do not recall ever having any form of contact with PRA prior to receiving the notice to appear for the pre-trial hearing, and had about 2 weeks to draft a response and prepare. I filed an answer and was present at the pre-trial conference/mediation and ended up signing a settlement agreement with monthly payments beginning in XXXX. I brought up some issues I had with many of the false allegations they made in the lawsuit document, as well as their failure to comply with XXXX, but my mediator suggested that despite all these valid points they would n't hold up in a court case. I felt very overwhelmed and coerced into signing a settlement agreement that I particularly did n't agree with. I am not at all satisfied with the settlement amount -- which is much higher than the amount they said I initially owed -- and am having some doubts on the legality of this entire situation. Before I make any payments I would like to know for sure if PRA is truly the owner of the debt they allege is mine. I would also like to potentially have this entire case dismissed due to a lack of standing and failure to provide notice of assignment -- which is a condition that must be met before any attempt to collect on a debt. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 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:
I have had store credit with the XXXX on 2009. Originally debt was XXXX XXXX Account was named XXXX ( now it calls XXXX ). My last payment was made on XX/XX/2009. I lost my job that time and I could n't pay my credit cards. The debt was sold to collector company PORTFOLIO RECOVERY. It has been more than 7 years. They still report this debt as XXXX to credit agencies. I tried to dispute on XXXX website with XXXX, but unfortunately they refuse to delete the negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: RI

Complaint narrative:
I initially received correspondence from American Education Services, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX since XXXX, XXXX. I have repeatedly denied that I have any loans with them. 
All of my loans are with FedLoan Servicing and have been on repayment since XXXX. I do not have any other loans which they claim a balance of {$560.00} out of an original {$1600.00}. They have refused to produce a note or evidence of a disbursement to a school I attended. They have refused to cease contact and collection after sending a cease letter dated XXXX XXXX XXXX in a recent letter stating that their assignee requests they still collect. I have also reported them to the XXXX department. I am formally filing a complaint against them and believe they are perpetrating a fraud. Thank you XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NM

Complaint narrative:
I sent money to XXXX via MoneyGram at XXXX online. Got the confirmation and reference numbers. At XXXX she was denied the money at the location. The bank branch said the confirmation number was no good and that MoneyGram was not in the system. She went 3 times after I had called 3 times and still no money to be picked up. I kept talking to reps who were unfamiliar with the English language. Every rep I spoke with had no solution. Finally I resent money via another carrier and she got the money. I decided to cancel my transaction online and I also decide to call again. I told the rep that I am calling to report fraud. He thought the fraud was by the receiver of the funds. I said no, your company and he was silent. While talking to him I was reading emails and I got one from Moneygram confirming my cancellation. I told him never mind I just received an authorization. He said I did n't because its not in his system. He later confirmed my request and verified it. I told I have been reading about MoneyGram and their FTC fine and XXXX compalints about fraud within their company. People are not getting their money back within 3-10 days for various reasons. I ask him why does Moneygran take my money immediately but ca n't return it immediately? I asked him where is the money. He blamed it on the bank in XXXX, XXXX. He also let slip from his mouth that he said I or the bank had a different confirmation number. The bank never got a confirmation number according to the bank but he said the number was incorrect! Since they were fined for fraud within the company this brings to you, this panel. Now I fear if I wait this out 3-10 days it will just get worse. Without help ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 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:
Consumer Portfolio Recovery Associates, This Credit Card is over 15 years old and Has already been removed off of my credit report. XXXX XXXX XXXX Sold this loan to these people and they are trying to reopen a case and has been calling me and sending me notices. Additionally, they are making robot calls about taking me to court to settle this dept. This calls seem to orignate in Georgia.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am in the process of refinancing my XXXX and XXXX Mortgage. I currently have both with Ocwen who bought the loans from XXXX who bought it from GMAC. I had asked for help to lower payments on our loans a few years back due to the economy and salary restructuring from my job. 
I have been approved to get this new loan from a different lender, but Ocwen has informed me that I have what they call a Shared Appreciation amount tagged onto the payoff. I have asked for this to be removed as I explained my situation that this would help me and my family get reorganized and back on our feet, due to hardship with my wife health and medical expenses. 
Ocwen verbally has said that the Shared Appreciation amount has been removed several times, which i have 2 payoff quotes showing it. Now they state that it can not be removed. Myself and the new lender has been calling and talking with Ocwen several times a week about this and getting no where. My wife and I never agreed to a Shared Appreciation amount as we never signed an ok for it. We did sign for a modification on the existing loan a few years ago but this was not with Ocwen. 
after todays phone conversation with Ocwen I have gotten no where but an I 'm sorry we made a mistake. I am out a few thousand dollars, and a lot of time as I have been trying to resolve this since XX/XX/XXXX. All I am asking is to pay off both the XXXX and XXXX mortgages and be free and clear form Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: CA

Complaint narrative:
I have repeatedly requested that Portfolio Recovery Assoc provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 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: WI

Complaint narrative:
On XXXX XXXX, XXXX I sent a certified letter to Portfolio Recovery Associates asking for them to validate a debt of mine that had been sold to them on XXXX/XXXX/XXXX. I received validation of this debt from them via mail on XXXX XXXX, XXXX. This letter validated that they had purchased the debt in the amount of {$2200.00}. On XXXX XXXX, I replied to the validation with a letter sent certified mail explaining the situation and offering to settle the debt for {$1100.00}, and also asked that the account be reported as paid in full to the XXXX major credit reporting agencies once they received payment from me. I received a card back from the United States Postal Service stating that a XXXX XXXX received the document on XXXX XXXX, XXXX. I have not heard back from Portfolio Recovery Associates since sending that letter- nearly three months ago. I would like to get this debt settled but have not received a letter accepting or denying my settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 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: OH

Complaint narrative:
Creditor sued for judgment in XXXX ; account was settled in XXXX. Judgment remained on account until XXXX XXXX when Vacate Judgment was entered. However, Creditor then changed debt to collections, creating a double jeopardy for the debt. Once the judgment was vacated, the debt is no longer reportable. Creditor refuses to remove illegal reporting after multiple requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DataMax Corporation
State: NC

Complaint narrative:
I paid my doctors office and this was supposed to be removed from this company. It was sent to them in error. Yet it is still on my credit as paid but it was filed in error with the company

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 2015-07-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: PA

Complaint narrative:
Called me at XXXX, XXXX, XXXX, XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
I have a Mortgage with M & T Bank.Last month I wrote my bills, including the mortgage, on XXXX XXXX. My payment would not be late until XXXX XXXX, three weeks after I sent my payment. I watched my account to be sure that they all cleared. I have never been late with my payment. I called the bank, and they told my that payments go to a payment center. Then she wanted me to make a payment by phone. I told her I could not afford to make a double payment. She tried to push me into electronic payments. I told her no. She said we would wait a few more days. The check finally cleared on the XXXX of XXXX. I am pretty sure that they held my payment back on purpose. I absolutely do not want this. I want my paper statements.

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 2017-01-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
For the past 6 months, I have made arrangements to pay my debt to Money Recovery Nationwide. They have constantly every month opened a new collection on my credit reports. They are doing this because I have complained to them, and the Michigan Attorney General along with the consumer and financial protection bureau. I am in the process of getting a mortgage and they are constantly depleting my score on my credit files. They will not remove any paid debts and even though the debt is from the same company. They are filing them every month as a " New Collection ''. This is not a new collection. It is a medical bill that was never verified by myself or XXXX like I have asked. 

I would like them to remove ALL collections from All XXXX major bureaus immediately. They will not respond to any complaints legibly. They only will respond with : - Money Recovery is required by law to post them as new collections under the FCRA ( Which is not verified or true ) - Money Recovery does not do removals Also my complaint is Money Recovery Nationwide is not notifying people that their debts will be reported if it is not paid. They are collecting on the debts and not sending out receipts or notice that if it is not paid in a certain time that it will be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
I have an unverified account from BERKS CC. I had previously disputed this account. I have never done business with BERKS CC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that BERKS CC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that BERKS CC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation