vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I sent this company a debt validation letter but they refuse to provide me with the documentation it has been over 30 day. In the company all of the sudden the company added fees that I do n't know any thing about and by the way they fail to place a dispute status with the credit bureau. I never did any business with this company so how can I owe them they threatened me by saying and I also write saying that there is going to sue and seek legal matter against me they have violated the fdcpa section XXXX and XXXX this company is rude. I 'm frustrated that this company is a rip off they report this to the XXXX major credit bureau by reporting inaccurate informations another violations of fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL

Complaint narrative:
This account was paid in full, see attached pay off letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I received a bill in XXXX year olds name for a surgery he had on XXXX/XXXX/2015. Im not sure how they put the bill in my sons name since im the person who filled out his paperwork. So I called them after getting the bill and informed them that my son is only XXXX and that they need to put the bill in my name. I gave them all my information and the collector said that she would remove XXXX name but she never did and I kept receiving collection calls for my son and each time they said they would correct the problem, In total I received XXXX calls for my son who by the laws in XXXX you can not collect or enter into a contract with a minor, So when they called today I talk to XXXX who ask to speak to my son and told me it was a personal business matter. I asked the name of the Company and yes you guess it XXXX. I then ask for the Manager ( XXXX ) and told her that I was going to file a complaint if they do n't correct the billing and she laughed and hungup in my face. I then called back and spoke to someone XXXX who said that she was correcting it. I then told her to send me a new bill showing the corrections

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 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: FL

Complaint narrative:
The debt in question is based fraudulent charges on a department store charge card in XX/XX/XXXX, a card we never used. We had just returned from living XXXX for XXXX years. I thought this account was closed. It is unclear how our account information was stolen, but it was. When we saw the charges on our bill, we claimed they were fraudulent and we denied the charges. XXXX XXXX agreed at the time soon thereafter. My credit report in XX/XX/XXXX listed the debt as " uncollectible due to fraud ''. In XX/XX/XXXX. Portfolio Recovery Associates, Inc. began to call me and this has continued to the present day. Every time they call I tell them clearly : 1 ) The charges are fraudulent ; 2 ) The department store agreed they were fraudulent ; 3 ) I will not ever make a payment 4 ) Do not ever call me again. My number is on the national do not call list. In the past few months I am now receiving XXXX or XXXX calls per day from people identifying themselves as from Portfolio Associates, but all with different phone numbers so it is impossible to block. This has moved well beyond annoying and is now harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Good evening, I 'm constantly receiving mail and phone calls from Portfolio Recovery Associates LLC in reference to a credit card that I have no recollection of. What 's troubling is, it 's the same lady calling every time. The Merchant is XXXX XXXX XXXX in which I had a checking account but I had poor credit then so I do n't recall having had a credit card from this bank. However, this account is past ten years now. I 've been harrassed for almost five years by the same woman. The bottom of the letter even states " Because of the age of your debt, we will not sue you for it and we will not report it to any crefit reporting agency '' How can I get them to stop harrassing me or can I sue them or her for emotional distress? Their number is XXXX, located in XXXX Virginia. Thanks for your time and help. Be Blessed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc.
State: FL

Complaint narrative:
I bought a used XX/XX/2009 XXXX from Car Max dealership about a year or so ago. It had car problems from the beginning which I complained about, but they would not make it right. From the beginning it kept leaking oil and had other problems. Even though the car had been in an accident before I bought it, Car Max represented it in fine condition with a " XXXX point check maintenance before sold to me.I took it to a XXXX XXXX XXXX, and they estimated it to have repair costs in excess of {$8.00} grand, including needing a new transmission and faulty mechanics. they broke the implied consumer promise of selling a reliable car. I took the car to the Car Max dealer on XXXX in XXXX FL, and the car sales man and his " Finance Manager '' tagged teamed me and told me I had no choice but to turn it in and buy a new car from them-they encouraged me to default on my loan! They said people do it all the time, and being that I could not afford the repairs I should buy a good running car from them. I have a witness to this pressured conversation. I also have a XXXX dealership ( XXXX ) estimation of repairs : {$8900.00}. I believed them and did what they encouraged me to do, since the Car Max company ( another location ) sold me a lemon! The behavior of Car was exploitive and unethical, and has caused me financial hardship. I have always been on time paying my car payment ( except the last one when I decided I could not keep it and turned it in. I take pride in paying my bills on time, and respectfully request that the Car MAX company make all the needed repairs on the " lemon '', and I will consider taking the car back and making the payments. Either way, I respectfully request that this debacle does not go against my credit, causing me further damage. As reparation and a solution to their behavior and bad consumer product, my request is : PLEASE ASK CAR MAX TO NOT LET THIS SHOW UP ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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: MO

Complaint narrative:
On XXXX/XXXX/XXXX I was randomly contacted by representative from Portfolio Recovery Associates asking if I was XXXX XXXX and I said yes and she proceeded to tell me that she was trying to collect a credit card debt that was originally with XXXX XXXX XXXX that was open in XXXX and I told her that I did not open this credit card and she tells me that my last payment was in XXXX of {$250.00} and I tell her that it 's not possible cause I 'm XXXX and been XXXX since XXXX! She then questioned me about an address I rented in XXXX, XXXX that I had rented for my daughter but we conversing on a land line that is n't in my name in XXXX, XXXX where I 've lived for over 13 years! XXXX XXXX XXXX XXXX nor does Portfolio Recovery Associates exist on my credit files at this time behind this debt and it should n't cause it 's not mines! I 've had my share of pit falls with bad credit due to my health and BANCKRUPTCY and do n't want to relive it! This collection agency has my personal information like my ssn # and I do n't want them calling and harassing me for debt that is n't mines!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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: TX

Complaint narrative:
I get calls, which I do n't answer, from this Collection Co on my cell phone and I do not have any debts. We are a home with old folks with XXXX and do not like to be disturbed. We do not owe them anything. Please stop the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 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: TX

Complaint narrative:
Continued harassment by computer calls from Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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:
Portfolio Recovery calls from a different number every time. No message on a new number. We do not know if it is for us or an old owner of this number. They call at least XXXX times daily. We can not even use our phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01 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: VT

Complaint narrative:
portfolio recovery is now also misreporting on my credit file as the original lender of the account which is 100 % untrue as XXXX is the original lender. the credit report also states that they took ownership of the account starting in XXXX 2015 when the account was assigned to them in XXXX of 2015. they have claimed to be the original collector to many individuals and I am XXXX of those victims. I have proof of this misreporting from my report which I will attach. They report to the bureaus XXXX per month to confuse the FICO system ( which is used in 90 % of all financial decisions and the only score and report that actually matters as we know XXXX about who the lender is and to get it to stay on the report for seven years instead of the original date of delinquency. i have confirmed the error on my report as well as directly with the representative that they do claim original lender with a date of original default in XXXX 2015. the error is still there right now and must be by law, deleted, not adjusted as this is misreporting information and I was turned down for a loan based on having a recent date of original delinquency. This is fairly simple. They are not a lender and I never borrowed money from them. They purchased my account from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
I leased a brand new vehicle and in XXXX 2016, the vehicle was in a collision deemed a total loss by an adjustor - other party at fault. The at fault party 's Insurance company XXXX XXXX XXXX XXXX indicated they would pay balance in full and complete settlement with Toyota Financial Services. Federated Insurance company paid balance except for {$660.00}. Toyota Financial Services indicated that they were working the settlement out with the insurance company. I never heard back from Toyota regarding the issue and when I called Toyota Financial Services customer service line and input my account information, the prompt indicated " This account is closed '' and that there was no balance. Toyota Financial Services called me on Thursday, XXXX XXXX, 2016 ( 3 months after my last contact with them ) at XXXX XXXX and left a voicemail asking me to return their call and that it was urgent. I called back on XXXX XXXX, 2016 at XXXX XXXX and spoke to a customer service representative who said : " I do n't know why that person called, your account is closed and you do n't owe anything so you can disregard that voicemail. '' I then received a letter stating that I owed the remaining balance on the vehicle. Before receiving this letter, I was never notified that there was an outstanding balance nor was I notified that I had to provide any additional information to Toyota Financial. I called Toyota Financial Services on XXXX/XXXX/2016 at XXXX XXXX and talked to a Total Loss Representative who told me that if I could not provide a copy of an " Evaluation Settlement Breakdown '' and Police Report to Toyota Financial Services by XXXX XXXX, 2016, my account would be charged off to collections. This was the FIRST notification I received from Toyota Financial Services from XXXX to XXXX, and the first notification ever that I needed to provide additional information to Toyota Financial Services, on top of the fact that XXXX of their customer service representatives told me " your account is closed and you do n't owe anything. '' Furthermore, the insurance company representative XXXX XXXX indicated that she told Toyota Financial Services during the settlement that they do not give out copies of Evaluation Settlement Breakdowns, but I was never notified by Toyota Financial Services that there was additional information I needed to provide to them. I feel the treatment from Toyota Financial Services is very unfair, especially the fact that they waited until XXXX XXXX and one week before the charge was passed to collections XXXX to notify me that if I did not provide information that the insurance company was supposed to provide. I also feel deceived because a customer service representative who works with Toyota Financial XXXX 's customer support XXXX earlier indicated that my account was closed and that I did not owe anything, only then to have Toyota Financial Services come back and say I owe {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 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:
I have had numerous calls to my work by this debt collector. They have left messages with my mother that they will be coming to my work, and in their words " would not like what happens ''. I feel threatened on a daily basis that someone will show up at my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25 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: FL

Complaint narrative:
I received two calls from Portfolio Recovery from XXXX different numbers both on XXXX XXXX, 2016. The first number was XXXX and they called at XXXX EST and the second call was from XXXX and they called at XXXX EST. The number that they are calling is my work number and I have asked several times that they do not contact me at work and they continue to do so. They have my cell phone number. I have spoken with a rep by the name of XXXX XXXX and again I have asked that they do not contact me at work. The rep stated that they would continue because I refuse to answer my personal cell number. I have asked them to provide proof of debt in writing and each time they have told me no. I would like for them to stop calling me I have been reprimanded for their unwanted phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Lienholder wo n't release vehicle title. 
Lienholder : Toyota Financial Phone : XXXX Acct # XXXX XX/XX/XXXX Vehicle discharged with bankruptcy chapter XXXX ( case # XXXX ) XX/XX/XXXX Toyota Financial states title was sent to attorney. ( It was mailed to his old address. Lawyer states all of my creditors were notified of the chanprge XX/XX/XXXX. 
XX/XX/XXXX : Representative XXXX promises to mail me a lien release document to complete and present to the XXXX to get a duplicate title. 
XX/XX/XXXX : Form not received. According to XXXX the form request was denied by XXXX, who states the attorney must give verbal authorization. I 'm told by XXXX that XXXX does not have a direct line for my attorney to. XXXX had no comment when I asked why authorization was needed now when it was n't initially? But she did tell me he could fax them his authorization to XXXX ( XXXX ) Attorney : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
After months of continued phone calls regarding a debt that my mother is adamant she does not owe, I sent a cease and desist letter to Portfolio Recovery Associates via certified mail, return receipt requested on XXXX/XXXX/XXXX. It was delivered and signed for on XXXX/XXXX/XXXX. The letter states that she disputes the original debt which was sold to them in XXXX from XXXX XXXX and was a debt from XXXX. So, regardless, the statute of limitations has been reached and unless they plan to take further action through the courts, they are to stop calling our home or sending collection letters. 

I have explained to them many times that she now lives with and is dependent on me after going through XXXX this year alone and XXXX. Today is XXXX/XXXX/XXXX and we just received a call from them and of course the person on the phone acts like they have no information at all about the certified letter or my mother 's health and communication issues. I have POA, but do not have time or patience to deal with the daily phone calls or to communicate with these people. It is upsetting to my mother every time she realizes who is calling and just trying to keep the fact from her that they are harassing us is a job in itself. I no longer try to get details from her, but I do understand when she is saying NO, NO, NO! By now, this company should have all of this information on file and leave her/us alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 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: GA

Complaint narrative:
A credit card was taken out under my name when I was XXXX. I have disputed this and they continue to send me bills. They agency Portfolio recovery associates did not verify they were speaking to the correct person they just started giving me all the info. They were also very rude I was hung up on twice because they did n't know how to answer my questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
The bank charged off the amount owed and then turned around and sold my account to a third-party called Portfolio Recovery. They call numerous times per day at my office when I have asked them not to. They have told me repeatedly that they can not sue me, but they continue to harrass me about the monies that were charged off. I was told by my attorney when we filed bankruptcy that a charge off is like a bankruptcy, it will stay on my credit report for XXXX years but not to pay anything on it, this all happened about XXXX years ago when I filed bankruptcy and paid the XXXX for about 12 months and then had it dismissed. I am in good faith paying my bills off XXXX by XXXX, however, my attorney said to ignore any of the ones that were charged off that they are moot. Between health problems, marital problems, having to move XXXX different times in the last XXXX years I absolutely can not take the stress these calls cause me and have asked this company to cease and desist all phone calls to myself and my husband as they are very disruptive when they call us during work hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 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 REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Re : Account number:2nd request and Demand Letter 1. Violations Of XXXX Fair Debt Collections Practices Act 2. Violations of the Federal Fair Debt Collections Practices Act 3. Violations of the California Consumer Credit Reporting Agencies Act. 
4. Violations Of the California Business and Profession Code. 
( 2 phone calls received post revocation of consent to be contacted. 

This certified letter, is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : Please see my full complaint dated XX/XX/2016 attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
On or around XXXX XXXX, 2016 XXXX XXXX collection agency representative called my office seeking a consumer on phone number XXXX. 

Debt collection agency representative refused to give name of company and address to write cease and desist letter. 

Representative had wrong number in auto dialer system and continued to probe me as a third party despite the clear request for cease and desist information to be written per the FDPCA and similarly relating to Iowa debt collection law. 

Refusing to provide information is abuse and similarly did not resolve the issue of third party harassment. In relation to the same, the representative-agent refused to provide basic information about the company in order to conceal identities in relation to the nature of her debt collection activities.

Company response to consumer: Closed with explanation