vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
My late sister XXXX temporarily resided with me from XXXX to XXXX. 
She passed away in XXXX, XXXX. 
Unknown to me, she had several credit card accounts ( opened by her and in her name only as she was an adult at the time they were opened. ). 

On XXXX XXXX, XXXX and continuing randomly through XXXX, XXXX, I received thirty ( 30 ) calls from Portfolio Recovery Associates. ( PRA ). There was no message left indicating who they were attempting to locate or the purpose of their calls. I assumed there was some type of mistake and they had the wrong number. 
Since the calls continued, a call was placed to PRA on XXXX XXXX, XXXX and learned they were attempting to locate XXXX. The Customer Service Representative ( XXXX ) was advised of XXXX 's death and she said she would verify the information and remove my phone number from the call list. The calls stopped and no further calls were received for the remainder of XXXX. 

During XXXX XXXX, a collection letter was received via mail addressed to XXXX with my home address. On XXXX XXXX, a call was received from PRA and again, no message. 
A return call was made to PRA that same day and " XXXX XXXX '' was given the same information that was shared during the XXXX XXXX, XXXX call. 
I questioned why the calls were beginning again, since the information of XXXX 's death was given to PRA the previous year. It was also mentioned to the representative that it was assumed Portfolio Recovery would have access to various professional and informational databases especially the Social Security Death Index ( which would immediately verify XXXX 's death ) ; as well as a simple XXXX search which would have provided factual data that XXXX had indeed died. The representative did not answer any of those questions, only stating said she would verify the information and remove my phone number from the call list. 
No calls were received for the remainder of XXXX and all of XXXX. 

Thinking this situation was indeed finally over, I was shocked when the calls began again on XXXX XXXX and by year 's end had received thirty eight ( 38 ) calls from PRA . There were also two ( 2 ) additional collection letters received for XXXX with my home address. 

It is now XXXX, and the calls continue, eight ( 8 ) to date, and a fourth collection letter. 

So after four years and three months, 77 phone calls ( with no messages ) and two calls to PRA providing information that XXXX is still dead, the harassment continues. 

PRA purposely chooses ; to ignore that XXXX had passed away and refuses to verify her death ; to attempt to coerce and intimidate others for payment of a debt that only the deceased would be responsible ; to continue calling my home number ( which they said would be removed from their call list ) despite my best efforts to convey true and honest information ( that goes ignored ) causing undue XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I want to negotiate the credit card debt, but all I get is robo calls, I wish this debt collector would mail me so something so I can start paying the debt down, like other collectors are done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
They call from restricted numbers. My phone does not allow this. They call from many different numbers. They use this number to call me : XXXX. I have checked my credit report and no one has taken out a credit card in my name. I do not use credit cards. They primarily deal with credit card debt or old debts. I wish for them to desist and decease from further telephone contact until they can provide me with a debt validation letter proving that they now own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 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: MD

Complaint narrative:
I have contacted Portfolio Recovery Associates on several occasions requesting that this debt either be validated or removed from all XXXX of my credit reports. Portfolio Recovery Associates has failed to provide me with adequate validation. They have yet to provide me with that they have been assigned to this debt by the original creditor or any original documentation from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Numerous calls to my cell phone ( which number they should n't have. ) Debt is long past statute of limitations ( 2009 ) Company engages in caller ID " spoofing '' Unfortunately, I can not transfer call logs from my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota Financial needs to update their dialer before contacting customers - I was inadvertently late on a car payment due to being out of town - I immediately paid upon return and still getting calls after making an online payment - I even rechecked the website to ensure it was processed, and it 's showing up Paid and Approved as of yesterday. I just registered my number on the DONOTCALL.gov website to stop the harassing calls - this is upsetting and unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: FL

Complaint narrative:
In XX/XX/XXXX, I was made aware by the IRS that there were two years in which I was a victim of identity theft. This person used my information to collect my tax returns for those two years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is one of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the Portfolio Discovery disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

However, I did not receive a response. To give the organization more time to complete their inquiry, I waited 63 days for a response and when I did not receive one, I sent another letter on XX/XX/XXXX. To this date, I have not received a response. This company has failed to provide any documentation that shows I owned this account. It is obvious that they do not have the proof to do so. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates, on behalf of XXXX, XXXX XXXX has been constantly calling me and annoying me. I have explained to them that I had credit card fraud going on when I made a few purchases at XXXX XXXX, and that I returned the items back to XXXX XXXX. I have even told them I have a copy of the police report I made when I had this credit card fraud going on. They still hound me and insist that i owe close to XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Constant calls every day 2 or 3 times a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am repeatedly getting calls both on my cell phone and my place of business. I have asked that they send a letter advising of the debt so I can handle it accordingly if owed and then block the number on XXXX. I 'm continuously getting calls from changed numbers and no letters have been sent. 

The other numbers that I 've been called from include:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
My parents continuously get phone calls from Portfolio Recovery! They harass and call there phone several times a week. I have n't lived at this previous address or with them for over 25 years. They have even contacted my brother. This needs to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I 've sent numerous certified letters to the collection agency and the creditor directly to remove this frivolous account from my records. The collection agency kept requesting for me to provide more information. I am unable to provide anymore info on that account. A fraud affidavit was submitted to the collection agency multiple times. The have n't corrected the issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau
State: IL

Complaint narrative:
XXXX XXXX hospital mailed a XXXX statement in XX/XX/XXXX or XX/XX/XXXX regarding an XXXX visit on XX/XX/XXXX. The statement did not itemize what the charges were for and since I had already paid several invoices from swedish covenant that were sent right after the XXXX visit, I requested a detailed invoice from XXXX. This was never provided, however the statements continued and so I felt pressure to just submit payment via my health savings debit card. This transaction paid the statement balance in full and the transaction was dated on XX/XX/XXXX in the amount of {$150.00}. 

On XX/XX/XXXX, my account was sent to a collection agency. I was unaware as no further statements have been received. I only found out about this when I checked my credit score and found this as a derogatory remark against me. 

As I prepared to dispute this charge, I reviewed the charges submitted to my health care provider XXXX. Not only has XXXX failed to provide myself the requested invoice, they never submitted an invoice to XXXX. For all I know, this charge I paid for was a double billed amount, an over billed amount or something that should be covered by XXXX. 

I feel the actions taken by XXXX XXXX are in violation with fair credit reporting regulations. In addition, the collection agency has not contacted myself, however through the credit reporting they reflect I have not paid this balance. 

This amount should have never been sent to a collection agency and possibly should never have been billed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Curtwright & Klein, LLC
State: GA

Complaint narrative:
On numerous occasions, my wife and I have been contacted by representatives from a company named " Curtwright & Klein, LLC ''. The messages are usually quite vague, stating that the person is " trying to get in touch with XXXX '' ( my brother ) and that they 'd appreciate if we could help them get in touch with him due to an " urgent matter ''. In most instances, only a return phone number is left and no mention of debt collection. 

My wife and I are estranged from my brother and have no way of getting in touch with him. At several points over the last month, we have called this collection agency back and asked to be removed. They have not respected our request and continue to call us. Sometimes it 's a live person, other times it 's a recording, and the caller ID varies. 

Phone numbers used : XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: XOOM CORPORATION
State: WA

Complaint narrative:
I am being blacklisted from being able to send any overseas transfers from my computer. I know this now because after XXXX started blocking me I moved to Xoom, which blocked me after a couple of transfers ... and then today I tried to establish a new account with XE money transfer and they would n't even let me create an account. I believe this all stems from an incident I had last XXXX where someone hijacked my email account password, and then tried to send money through Xoom. I noticed this activity and called them immediately to block the transaction saving myself and Xoom from any financial loss. I told Xoom to lock my account until I could be sure everything was clean again .... then I called them back.. They asked for my ID and bank statement. I sent them both as proof. They then denied the transfer with NO explanation at all. I asked specifically in an email for information regarding this denial and have not received a reply. I think this is totally unfair to place the restriction on me .... No one has lost a penny because of this.. I consider this to be an unfair business practice and I would like someone to intercede on my behalf

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: SC

Complaint narrative:
A collections agency XXXX XXXX offered an resolution of debt authorized by client with a lump sum settlement of XXXX %. I paid this to protect my credit. Some time later another company Franklin Collections Services wants the remainder of the balance. I sent Franklin a copy of the settlement statement from EOS and proof of payment with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I had medicaid during this time, but the company billed me instead of my insurance..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 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: Pinnacle Credit Services, LLC
State: OR

Complaint narrative:
Pinnacle Credit Services LLC has reaged the debt to XX/XX/XXXX. The original debt with XXXX XXXX became delinquent approximately XX/XX/XXXX. there has been no payments made or any effort to reaffirm the debt. It has been more than seven years since the first delinquency and should not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Pinnacle Credit Services, LLC
State: ME

Complaint narrative:
The Law in the State of Maine States a collection company can not report info or contact me without a collection license in the State of Maine???

Company response to consumer: Closed
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Law Office of Rory W. Clark, APLC
State: CA

Complaint narrative:
Sunday night the XXXX of XXXX when the process server asked for me at my apt., upon my flatmate XXXX XXXX refusal of acceptance the process server said " XXXX is being sued by XXXX XXXX XXXX '' and the process server dropped the stapled summons ( no envelope ) face up flat on the doormat. 

AGAIN : Improper contact and sharing of info. My flatmate was advised of the content by the process server and had opportunity to read it. XXXX now is concerned I can not pay the rent and is planning to move out into a more stable living arrangement depriving me of needed income. This is a tort of economic interference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ATG Credit, LLC
State: MN

Complaint narrative:
After pulling credit report to get pre-approved for a home mortgage i see there is a collections debt that has been on my report since 2013. after calling to see what it is for it was for a college fee. I have never once received any bills, letters or phone calls about this debt in collections. how i am to know about this or pay it when i have not been contacted one time, does not seem fair and has now destroyed my credit. called the collection agency and they were of no help and stated over and over i must pay and then finally said to me that we are getting no where and will report it to there client and then hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: CA

Complaint narrative:
My complaint is about " Direct Express ''. They are a rip off company they steal money through their illegal fees AND it is almost impossible to get through to someone. Either the phone system wo n't let you in by saying call volume is high, & to call back. Or finally - when you get through - the phone call is dropped while transferring the call to customer service. Then, IF one does get through via the phone, the customer service reps do n't do what they say they are going to do. When I finally get through to someone then I GET A DIFFERENT STORY than from the previous representative. ( If you want all the times I called let me know. ) Ever since I received my first social security dispersal in XX/XX/XXXX THEY HAVE CONTINUALLY STOLEN MONEY from me by charging me illegal fees for the ATM service. Stealing is against the law for me - why not for Direct Express? 
I was told in XX/XX/XXXX by someone in one their phone call center that I was to have XXXX FREE ATM CHARGE monthly from a Co-America bank. But they continue to illicitly charged me {$.00} when I use the XXXX ATM. In XXXX they reversed some of their illegal charges and now I found out they have done it again - for at least 10 months. I called AGAIN on XXXX/XXXX/XXXX. It was necessary to spend over 55 minutes on the phone. At the end of the long & frustrating ordeal I was told I would have an answer in 5 business days. That did n't happen so I called several times ON SEVERAL DAYS beginning XXXX/XXXX/XXXX. Direct Express is very difficult to get through to. On XXXX/XXXX/XXXX " XXXX '' told me that my " request for the refund of the wrongly charged ATM fees was denied and there was no explanation ''. I paid my money into the social security tax system many, many years ago and I DO N'T LIKE HAVING TO PAY TO GET BACK MY OWN XXXX MONEY FROM DIRECT EXPRESS OR CO-AMERICA BANK. THIS IS WRONG, WRONG WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
Today, when I called Pinnacle Credit Services, they do not want to talk about the debt, but they transfer me to a new collection agency company. 
When I call XXXX, their answer is simple : " XXXX '' has no more your account, and your account is closed, if you have any questions, call the Pinnacle Credit Services. And so every day, the problem is just running in circles

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: NY

Complaint narrative:
I got a letter in the mail started that I have an outstanding balance for XXXX XXXX in the amount of {$3800.00} that I do n't even know about, I currently have an account with XXXX XXXX at this time in good stand

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 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: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX in retaliation for cancellation of bogus services they attempted to provide me, falsely put this information on my credit report, {$150.00} a false delinquent payment. I cancelled this work order in less then 24 hours after ordering. A yearly review of my credit record, this information was discovered on my credit report to Franklin Collections Inc.

Company response to consumer: Closed with explanation