vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc.
State: CA

Complaint narrative:
I had not checked my credit report in a while. After obtaining my credit reports. I got a letter from a collection agency West Asset Management , Inc . Telling me that i had a debt that had been turned over to them for collection. I called them immediately to inquire about " this so called debt '' First time I called was XXXX/XXXX/2015. I was told that they were going to research the account and get back to me. Today is XXXX/XXXX/2015 have not heard any thing from them. So I called again. They told me that they did not have anything to share with me and they will let me know ... .In the mean time, I 'm waiting to have this cleared from my credit bureau as I would like to buy a small home for myself and having this information on my credit file will keep me from obtaining a good Real Estate loan or perhaps nor one at all. They ca n't give me any information about " this debt '' but they have not removed this false information from my credit report. I need help. I would really appreciate your help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased and cancelled orders for a couple purchases using PayPal Credit 's " Bill Me Later. '' The deferred interest rate was still applied to my bill despite having the transaction cancelled. Effectively, I am being charged interest for transactions that were refunded within the same day of the transaction at the 19.99 % interest rate 6 moths later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I was contacted by Midland Funding LLC for a debt of {$700.00}. After paying my debt of {$700.00}, they filled a lawsuit against me. Every time I call their office, I speak with a person not of American decent that can not connect me to management. The only way that I found out that I have a court date on Monday, XXXX XXXX ( NEXT MONDAY ), is because my parents called me to tell me I have a notice to appear in court. I have n't lived there for years and the company has my address on file because they keep making me repeat it for identification purposes on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: VW Credit
State: CA

Complaint narrative:
I was nearing the end of my first vehicle lease and went to XXXX XXXX XXXX to discuss my lease end options. The car had some obvious cosmetic damages that I pointed out to the sales representative. After speaking with the sales representative, he assured me that leasing another vehicle was my best option in order to avoid having to pay for excess wear and tear on the previous vehicle, so that 's what I did. 4 months into my new lease I got a bill from VW credit for all of the damages on the old car, over $ XXXX. I was sure that there as some mistake and went to the dealership. While there we reviewed my contract together and the lease termination was processed as a turn in, instead of a trade in, thus leaving me financially responsible for both cars. They denied ever telling me that I would n't have to pay for the damage on the car and since leaving there I have been unable to get a hold of the XXXX, they have been incredible non-responsive. I have filed a complaint through VW, the debt is now with collections and I do n't have the money to pay it. For someone without money for a down payment, or to buy the old car, it would make XXXX fiscal sense for me to lease a new car. The option that I thought that I was taking was the only way for me to pay nothing out of pocket. VW offered to make my final payments on my old car, and my first payment on my new car, and nothing down. It was the only way for me to not spend any money in the transition. At the least, I would have had the car inspected and opted to fix it myself through a certified mechanic friend before returning it to VW because it is common knowledge that the most expensive repairs are through the dealership. All of this was in XXXX of 2014.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17 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:
Portfolio Recovery Associates sued me back on XXXX XXXX, 2014. I had requested validation from them but never received it as requested. I went to court and represented myself and I had requested validation even then but the lawyers did not produce anything to prove it, they still won a judgement against me. When I had requested proof from Portfolio what a did receive was a letter and copies of statements but no contract with my signature. Portfolio now has a Lien on our home and emptied out a small bank account. My right to validation under the Consumer Rights Act has been severely violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The XXXX contact was on XX/XX/XXXX. They always begin the conversation is this such and such ( name ) ; without ever identifying who they are. They ask for personal information although the public is advised not to give personal information over the phone ; they continue to use this tactic. This is a debt that I took care of XX/XX/XXXX when I refinance my home and from that point on this debt has been sold to various collection agencies. They as for the request to have calls stopped to be sent in writing. I am reluctant to do that because I did not want to provide any personal information including my address, but it was confirmed by the Bureau of Consumer Financial Protection that it would need to be in writing. Sending my request in writing is my next step to stop these repetitious phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 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: FL

Complaint narrative:
Toward the end of XXXX, mail was stolen from my mailbox. My mail, including several credit card applications, were found in the home of a man they arrested for drugs. Before the arrest the individual had already initiated an unsolicited application from XXXX XXXX for a {$300.00} card. In XXXX XXXX, I started receiving statements for the {$300.00} plus late fees. I explained the Post Office notified me of the theft and the card was not requested by me, and I asked for XXXX XXXX to provide the application with my signature. They refused to provide any documentation. Around XXXX, the debt was transferred to Portfolio Recovery Associates. I explained the theft to them, requested documentation showing my signature ( or proving it was falsified ) and they refused to provide any documentation. I requested this documentation by phone and also by mail. Nothing has ever been provided, except random statements showing a debt of {$1500.00}. The calls and mail have continued for more than 13 years. The mailed documents state, " 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. '' This statement demonstrates the relentless calls are unfounded and nothing more than harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 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: IL

Complaint narrative:
Portfolio Recovery put collection listed on my credit report all XXXX bureaus as XXXX/XXXX/XXXX. They have never ever ever contacted me regarding this debt. I have disputed this with the credit bureaus no less than 20 times. I have sent Portfolio Recovery a certified letter. 
I dispute the validity of the whole account, I never had an account, I have no knowledge of anything that I owe. They refuse to delete the account. I just received a letter from them stating that in order for them to process my dispute, " I will need to send them information regarding my account so the Dispute Department can process the dispute ''. I have asked for a signed application and date, all statements, chargeoffs, disputes, payment history, authorized users, and other information. They have produced zero evidence, in violation of their consent agreement with the CFPB. I have also just discovered that Portfolio Recovery had filed a lawsuit against me, tried to serve me one time, and then dropped the suit ( premsumably looking for a default judgement ). 
They dropped the lawsuit XXXX/XXXX/XXXX. I also had no information, knowledge, of there even being a lawsuit. No one ever sent me a letter or contacted me about anything, just a dump on my credit and lawsuit, and with XXXX disputes they keep dinging my credit report and can not produce anything for a XXXX account, but want me to send them some evidence of some type.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I was leasing a car from Toyota Financial Credit and Toyota wanted to take the car back a few months early so I went XX/XX/2015. I believe it was on XX/XX/XXXX. I left the car and signed off on the mileage and leased a new car, a XXXX RAV4. The dealership representative, XXXX, sorry it is true, did not complete the paperwork. I continued to get a bill for the car I gave back. I spoke to Toyota Financial Services several times. They were less than helpful and even tried to say that they did n't care about the dealership, that I had a contract with them. They said, they knew obviously that I did not have both cars. It was only after I told them that I had a contract with them and would be in that night to pick up the Camry that they panicked and located the papers where I of course had signed off on the mileage and traded in the car in XX/XX/XXXX. They had the nerve to put on my credit bureau that I was delinquent in paying my car payment for the car I did not have since XX/XX/XXXX when I gave it back. They billed me for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. It was only through a mortgage refinance inquiry that I found out they did this. When I tried to call them, 3 times, each time they left me on hold for 50 plus moments and then would suddenly be gone, leaving me to have to call again and start the 50 minute process of waiting, never having helped me. I am beside myself with anger. I have been a customer of theirs for 20 years. I have never been late or missed a car payment when I bought or leased a car. This is unacceptable. They also promised me when I spoke to them and they realized their error, that this would not happen. I am going to make a complaint against the dealership as well and I hope to have the person fired that handled my car. Often people consider what that could involve, but in this case it is appropriate. When I called the dealership, instead of being helpful the manager tried to accuse me of not reading the contract etc. Of course I signed off! His XXXX dealer did n't do his job. Now I am after jobs as this is unforgivable. I am an XXXX XXXX, work very hard and the least I should expect is honesty and compassion. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
have not recieved valid verification of this debt and it has been XXXX days since I first disputed this debt. .I have this debt that i do not owe negatively affecting my credit score and I need it removed from all XXXX CB XXXX. It 's imperative that verification of the identity of a consumer and the amount of the debt be obtained directly from the creditor. Mere itemization ( bill ) of what the debt collector already has does not accomplish this purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery services continues to update false information on my credit reports. They keep reporting XXXX account as open collections. The accounts were well pas The SOL when they were purchased by them.the credit reporting agencies have removed them before only to rotate them to another reporting agency. I am sick of it The accounts in question are a very old XXXX Credit Card with a balance of {$900.00}. The other is a XXXX account/ XXXX. They are reporting a balance of {$1100.00} These account have been rotated around on each credit report.. These account were closed and sol between XX/XX/XXXX and XX/XX/XXXX. So why are they allowed to change dates and place thes on my credit reports as open accounts. I do not now nor have I ever had any dealings with this company. They should pay for every violation of my FDCPA and FCRA. Can you please get me some real answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 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: CO

Complaint narrative:
Portfolio Recovery Associates LLC keeps contacting me stating they are trying to collect on a debt ( Illegally ). They are unwilling and have been unwilling to provide to me the original source document for this debt, meaning a wet signature contract with my complete and full information on it. Unless they can supply this, and they have not been able to, then all collection activity must cease and desist. Any attempt to contact me again will constitute harassment and will be reported directly to the State Attorney Generals office in both VA and CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX XXXX XXXX, 2016 Ref # : XXXX To Whom It May Concern : PRA I would like to dispute the following item on my credit reports : XXXX and XXXX XXXX Portfolio Recovery XXXX Partial account number : XXXX. 
Opened XXXX, my credit report shows a late payment in the amount of {$92.00}. As of now CHARGE OFF XXXX/XXXX/2016 However, I have enclosed copies of my cashier check purchased on XXXX/XXXX/2016 and forward via USPS overnight as payment on XXXX XXXX 2016. Payment was made in full amount of {$93.00} when the balance was {$91.00} at that time. 
See attached clearly show my payment ( Cashier Check ) for XXXX XXXX, 2016. The XXXX XXXX XXXX XXXX has verified the Check was posted for Payment Additionally, it appears that the same matter is being reported twice as a double/damaging. I say strongly state again the full amount was forward ( PD ) to XXXX of {$600.00} as payment as XXXX requested. There was not notice by either party at that time the account was sold or transferred. PRA placed additional charges on the XXXX Balance placing demands after payment was made and forward to XXXX. I contacted PRA and made inquiries / concerns there was no notices or request for payment stating the matter had been sold or transferred to them was forward to me at XXXX XXXX XXXX XXXX, LA XXXX. I was told that they do n't send them out. Then I was transferred to a PRA manager who attempted to clean that statement up. After that conversation and it being placed on my credit reports notices was forward via the mail to my address. 
I dispute the most recent change to Charge Off being report by PRA. It 's a paid matter in Full as of XXXX XXXX, 2016 payment was made overnight and received checking the tracking number given by the XXXX XXXX. Also the Credit Union states the Cashier Check shows payment / cashing by PRA 1. XXXX : Charge Off : # XXXX ( Reporting ) Not PAID 2. PRA : Charge Off / Dispute payment was made prior to reporting being made to the 3 Bureaus : XXXXXXXX and XXXX under # XXXX Please correct and I am requesting updating this as soon as possible as it 's incorrect reporting via the Bureaus. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 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: TX

Complaint narrative:
On or about XX/XX/XXXX I received or otherwise became aware of a collection notice sent to me by Portfolio Recovery Services I responded with a letter requesting validation of the debt. However, I did not send this information with a return receipt request. On XX/XX/XXXX I contacted the Portfolio Recovery Associates Ombudsman via email and requested validation of debt and also provided the standards for validation for the State of Texas. The PRA Ombudsman responded with a statement that provided none of the validation information required by the Texas statute. I responded to the statement and expressed that the information provided did not meet the standard for validation in the State of Texas. This information was provided to the credit reporting agencies and the Texas Attorney General but no action was taken by any of the agencies. I filed several disputes in the interim still no action to remove this account. 

Recently I received an answer to my validation request dated XX/XX/XXXX, pretty close to a full year after my request. The Texas XXXX XXXX requires that the collection agency respond with all of the information required in the debt validation list within XXXX days, otherwise, as stated in the statute the validation is incomplete. Additionally, the validation does meet the time constraints for validation in the Texas XXXX XXXX. 

Attachment 1 shows the original response from the Portfolio Recovery Associates ombudsman. Attachment 2 shows the response from Portfolio Recovery Associates that is incomplete. As required by the Texas statute the response is incomplete. The response does not include information regarding the surety bond for Portfolio, in other words I have no idea whether or not they can legally collect debts in the state of Texas. Also, the response does not include the date of last activity on the account. This is important because I need to know whether or not the account is still within the statute of limitations in the state that the debt is being collected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have made several attempts to make arrangements to pay Portfolio Recovery Associates who are handling my XXXX XXXX Account. They refuse to help me all they want is my checking information to take full amount. I am a single mom with XXXX kids and ca n't afford to have that much taken out at once. After the 3rd try I was told I could due a money order and send it in with what I could pay right now I said ok and asked for the address. They rep informed me that they do n't have an address that he could give me. I replied you want me to pay with money order but not give me the information on where to send it, he replied back by saying he will send me information in the mail which I never got. I have been harassed 2, 3 and even as much as 4 times a day. They call my house, my cell, my family and even my work. I have told them not to call my work that I 'm not allowed to have theses call or I can be fired and they keep calling. I have reached out to both XXXX and XXXX about the harassment and not wanting to work with me on payments. They came back and told me to get an attorney but again I 'm a single mom and ca n't afford and attorney. Please can you help the harassment has to stop they refuse to take arrangements at this point I do n't know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Harley Davidson Financial Services Inc
State: OH

Complaint narrative:
The company starts at XXXX a.m., calls numerous times every day, XXXX days a week and stops at XXXX p.m. to include customer service direct and robo calls. They should not be able to call more than XXXX time a day and not on Sundays as this is our religious holiday. If you provide information it is to be recorded on your file and they need to stop the daily phone calls. Nothing changes from XXXX hour to the next or from XXXX day to the next. This is harassment,.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 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: MI

Complaint narrative:
Set a debt validation letter with specific information requests about this debt. This company responded with letter that says I owe the debt and nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX account was closed by XXXX XXXX, earlier, than sold to portfolio recovery, put in collections, I disputed, they removed in XX/XX/2015 and put it right back on again the same month. 
this account was over 7 years old and was dropped by XXXX XXXX. for {$540.00}

Company response to consumer: Closed with explanation