vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-27 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: IL

Complaint narrative:
Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for 7 years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01 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: GA

Complaint narrative:
The company continued to contact me and send me out a bill XXXX bill was 3 times in a week, when i asked them to send me proof of my signature and valid information not a statement that was from XX/XX/2004,, they refused, just kept calling me and refused to put debt in dispute. they continued to harass me after i contact information to attorney ... they then called my phone and told my roommate about the debt as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE

Complaint narrative:
XX/XX/XXXX I called Toyota Financial Services to discuss my lease end options. At that time, I was told by a manager within the Customer Loyalty Team, that since I had XXXX Toyotas in a row, that my disposition fee at lease-end could be waived. I was told that all I had to do was call in to request this, after I received my final bill. Since that time ( see letter ), I have spoken to XXXX-XXXX people in various departments, had to explain my issue each time as I was blind transferred, have been hung up on, talked over, and interrupted. I have been told that if the fee waiver had been notated on the account then it could easily be adjusted, or that if only this was my XXXX Toyota - than they could waive my fee. I have even had my integrity questioned. Requests to speak to a Manager were denied, manager callbacks were promised and never occurred, and the one person who I spoke with that actually acknowledged themselves as a Manager provided the worst service of them all. I am only seeking Toyota Financial Services stand behind what one of their leaders told me would happen, and they waive my disposition fee. I have asked them to locate and review the call ( outbound call to me in XX/XX/XXXX ) and was told that not all calls are recorded. I was assured the fee could be waived, and now nobody wants to stand up and do the right thing. Had I known this, I may have decided to trade the vehicle in, as opposed to ground it - as a point of reference, the car was a XXXX mi lease with only XXXX miles on it, worth more than the residual.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I was sued for a credit card that was almost past the statute of limitations and had been sold to collections, and I have been paying for the judgment for 2 years now and am not even halfway finished. They are not willing to settle the account, even though I have paid monthly and have not missed any payments. The debt is now almost XXXX years old, and I am willing to settle it for half the current balance, which is far more than the collection agency paid. I can not purchase a home until this is paid, and it has been on my back for a decade. I am an immigrant and did not fully understand the credit card or the collection process, and now it is keeping me from buying a home ten years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 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: MI

Complaint narrative:
They keep harassing my sister and other relatives about my debt and claiming it to be more than they purchased my debt for. constant harassment even after i asked them to stop contacting me i changed my cell phone number plenty of times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They start calling at XXXX and they do n't stop until XXXX est. they are calling me on XXXX 's now too. This is the number they just called me from on XXXX XXXX ( XXXX ) XXXXXXXXVA, USA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In response to my complaint to CFPB Complaint number XXXX, Toyota shows that they have removed the account from my credit report instead of updating the Credit Filing Rating Status to " GOOD ''. They refused to show me dates that show my wife, XXXX XXXX ( joint account SSN XXXX ) and I were late in which we were not and I showed them the many descrepancies they had on both of our credit reports showing the wrong last date of payment and they show XXXX XXXX day late payments instead of XXXX that is reported on all XXXX of my wife and my credit reports. All we wanted was our report to show a " GOOD '' rating and instead it looks as if Toyota took the account completely off our credits reports as if the account never existed. We just wanted both of our accounts to reflect a positive rating. Toyota account XXXX and my spouses ( XXXX XXXX ) CFPB Complaint number is # XXXX. It is a joint account and we both are trying to get this accouterments with Toyota cleared and our credit rating in GOOD standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 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: CA

Complaint narrative:
I 'm writing to dispute, for the third time, Portfolio Recovery Debt Collectors. Had charged off credit card through XXXX owned first by XXXX then transferred to XXXX Bank and this still sits on all XXXX credit reporting agencies. Debt subsequently sold to debt collector, Portfolio Recovery Associates appears on all XXXX credit reporting agencies, as well. 

So debt was paid through settlement and was told shortly thereafter all items would be taken off of my credit reports - all XXXX agencies. 

THIS WAS TWO YEARS AGO AND STILL XXXX ITEMS ON ALL XXXX CREDIT AGENCY REPORTS. 

Received a letter XXXX XXXX, 2016 from debt collector wanting additional materials concerning the previous dispute attempt, of which Portfolio Recovery was forwarded all this information previously. 

Not only is this frustrating that after two years this debt collector has failed to do what originally was promised, but sending a letter stating they have n't received any materials, appears to be delaying their process, which I do n't understand. 

I 'm attaching all XXXX credit report sections listing XXXX AND Portfolio Recovery Systems and a copy of their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOVERY is reporting XXXX debt collection accounts on my credit report. I have disputed the account. PORTFOLIO RECOVERY has signed verification of certified mail dispute on XXXX/XXXX/2016. 

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/2016. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Applied and received XXXX XXXX Credit card held by XXXX XXXX in the amount of {$150.00}. Paid and cancelled card. Collection Agency Portfolio Recovery reported a collection account to credit bureaus in the amount of {$450.00} they have been calling my phone for months, I mean everyday. Spoke with rep twice told them this debt had been paid in full and no more discussion. The date placed to the bureau has been excellerated. ( not true ) .This company calls my phone from multiple cities and uses multiple numbers. They will not send me nothing in writing verifying the validity of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 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:
I sent a notice for verification they did not give me the original date of the charge off on this account, nor could they give me a copy of my original signature card and if they were license in the state of CA. I did not get verification with the 30 days and they are refusing to delete this false information off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates is a sinister company they have double damaged my credit with XXXX different companys harrasssinmg me non stop EVERY XXXX DAY FOR 10 YEARS! my XXXX can you do something about this im going crazy im desperate for you guys to delete them out of my life forever please i beg you. this guy in 2009 threaten my life on the fone he wont let me hang up and i was driving on the freeway and thats illegal here. please im scared of them. they have XXXX type of coworkers im scared for my life. thank you XXXX please save me thanmk you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28 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: MN

Complaint narrative:
Continued phone calls on personal cell phone and a company issued cell phone. When calling the number I was told it was Portfolio Recovery regarding a " couple '' debts owed. I asked what debts they were I was told a XXXX XXXX account and XXXX account listed under a bankruptcy. I informed them I asked in writing for proof of debt and proof that they owned the debt, approx. 3 years ago, I was told I had to ask for it in writing. I informed them again I did not owe a debt to XXXX XXXX and if I did have a account listed under bankruptcy it was illegal for them to collect. I was then told they did not know what I was talking about, they are not trying to collect on any debt under a bankruptcy, this was all said during the same phone call. Portfolio Recovery was trying to collect on a debt under a bankruptcy until I told them it was illegal. I filled a bankruptcy in 2002, how can this company even have information regarding accounts listed on that bankruptcy. I have been dealing with harassment from this company on and off for over 5 years. How can they be allowed to do this. I ask for validation of this debt in writing over and over. They never send it, then continue to tell me I have to ask for it writing. I do everything I am suppose to do, they do everything they can not legally do, yet I have to put up with the harassment. When will something be done about this company ... ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10 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: CA

Complaint narrative:
On XXXX Tue XXXX I was telephoned by PORTFOLIORECOV XXXX. 

The caller refused to identify the purported creditor, the account, or the amount. I therefore have no way of knowing whether this matter concerns me. It could well be a scam. 

The caller hung up after I refused to continue the conversation in the absence of validating information. 

This was my first contact with this party ; by the FDCPA they must contact my in writing with a Validation Letter within five ( 5 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I keep receiving calls from Portfolio Recovery in an attempt to collect a debt for XXXX XXXX that I was told I no longer have an obligation to pay since the debt was from 2004. I asked them to please stop calling and I have also registered with the Do Not Call List. Now they are harassing me at my job initially they were calling my home phone now they are calling my cell phone and job phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have frequently received letters from a company, now located in XXXX, CA, called Portfolio Recovery Associates , LLC, for a credit card someone had issued from XXXX. I have filed an alert with the credit bureaus because my social security number was stolen XX/XX/XXXX ( I replaced my social security card in XX/XX/XXXX ). At that time, XXXX closed the account it had issued and I became a customer of the XXXX XXXX XX/XX/XXXX. My card was then bought by XXXX XXXX bank and I still use it today. However, I continue to receive letters from Portfolio asking me to pay off the card previously cancelled and closed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This number is from Portfolio Recovery Associates , LLC, XXXX, AL. I had a missed call, so I called back. The automated response stated the name of the company ; whereas the phone number indicates Alabama. 
I do not owe any debt. My credit is clean. I do not wish to be contacted by this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I do not know why this company is calling me. The company name is Portfolio Recovery and their number is XXXX. They call me every day, evenings and on weekends. I do not answer the call because they never leave a message. I looked them up and they are a debt collection agency. I have excellent credit and do not owe anyone a payment that is delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 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: FL

Complaint narrative:
I had credit card debt roughly {$3000.00}. My debt had been transferred to Portfolio Recovery Associates ( PRA ). My debt attorney settled the case for {$400.00}. I have made XXXX installment payments of {$100.00} totaling {$400.00} to account # ... XXXX XXXX BANK. I was hoping I had resolved this account with my full payment. 
However, the last payment was misapplied to the incorrect account # ... XXXX XXXX XXXX XXXX BANK, which was another debt with PRA which I have and contesting. 
Therefore, leaving me at {$300.00} paid, and the other {$100.00} misapplied. 
I 've continuously called, emailed, sent bank documentation providing payments and receipt. I 've also involved my lawyer hoping to resolve the case. Unfortunately, they have not contacted my lawyer back. My lawyer notified me to " file a complaint with The Consumer Financial Protection Bureau. They have previously sanctioned Portfolio for bad faith collection conduct. '' Therefore, I am contacting you and can provide more detail at your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 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:
This is a debt for XXXX XXXX and should not be on my credit report. They coninue to call my cell phone after I have told them not to call that number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This organization is reporting XXXX accounts that I do not have knowledge of incorrectly, thus causing damage to my consumer credit report. I have not been provided verification of the accounts despite my numerous written requests. I believe my entitlements under the FCRA have been violated. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Several accounts were opened as an act of fraud either by an ex significant other who managed our finances or by an individual in my area using my identity, or both. A significant possibly of confused identity also exists. I can only speculate what has occurred. 

Some accounts were managed for a long period of time, as if they were an extension of someone 's credit - thus suggesting an ex significant other. However, other accounts follow a pattern of being opened, quickly used, never paid on and subsequently charged off - thus suggesting a unknown fraudster. Other accounts seem strange and unrelated completely - perhaps a case of confused identity. I can only speculate on what has occurred. 

Regardless of the case, I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this fraud. I do not know of the accounts in this office and had they contacted me or verified the items as I requested countless times, we likely could have reached a resolution. 

I listed the accounts on a notarized Federal Trade Commission Identity Theft Victim Complaint and Affidavit to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Services calling me multiple times a day from atleast 10 different phone numbers. I got my free credit reports from all XXXX agencies. I have nothing in collection with them. I have some old medical bills and they all show as paid. And looking at my XXXX credit report Portfolio Recovery services is looking running my credit report often, sometimes several days in a row, sometimes 2 weeks apart since 2015. I would like them to stop calling me and accessing my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I did not open the original account. I filled a dispute with Portfolio Recovery in XXXX 2014. They are still trying to collect on this debt and reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
tere were several accounts opened in my name by an girlfriend who was living in my home several accounts have been closed and are no longer affecting me how ever this account is still on my credit report after I have sent several police reports, court documents and jail records to the agencies and disputed the accounts directly as well and with collectrion companies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery Associates , LLC purchased my charged off credit card debt from XXXX XXXX. For several years Portfolio Recovery has been sending me dunning notices and bills for a debt for an excess of the amount charged off by XXXX XXXX. Letters are answered with a form about identity theft and disputes to credit reporting agencies are affirmed by PRA. I believe this is in violation of the recent settlement reached with the CFPB for illegal billing practices by PRA, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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:
Please find the above collection agency by submitting a false sale from XXXX. 

1 ) They allege that they purchased the debt from XXXX # XXXX in the amount of {$2300.00}. 

2 ) This is false as they failed to supply how much did they really pay for the alleged debt from XXXX # XXXX. 

3 ) They also failed to provide proof of each item of the allege debt that totals {$2300.00}. 

4 ) They have failed to provide the credit card agreement with my signature. 

This fraud must be investigated

Company response to consumer: Closed with explanation