vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-17 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: NJ

Complaint narrative:
I began receiving phone calls from portfolio recoveries concerning a XXXX credit card in the amount of {$1200.00} approximately the statement or Bill that was provided to me from this company for XXXX XXXX was for an individual with the name of XXXX middle initial XXXX and last name XXXX with an address in XXXX or XXXX XXXX I am a XXXX resident and have always been a XXXX resident as a child I lived in XXXX but as an adult I 've always lived in XXXX and employed in XXXX I 've never ever visited XXXX and I do not know anyone in XXXX and they are trying to collect a debt from me but someone else 's name and address my middle initial is XXXX.. I currently have XXXX credit accts with XXXX which are in good standing at this time I have no previous accounts that were unpaid with XXXX again my name is XXXX middle initial XXXX last name XXXX and my home address is XXXX XXXX XXXX XXXX and I 've been a resident here for approximately 20 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 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: PA

Complaint narrative:
Portfolio Recovery Associates have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 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: IL

Complaint narrative:
I 've asked for valaditation of debt and I only receive copy of Bill. That 's. Verification not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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:
I settled with the lawyers on a past credit card debt and received a notice that debt has been settled. I am now being sued again for the same account that I settled on by the same lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 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: AL

Complaint narrative:
The collections agency received my account and everything was fine. They even offered to delete the account from my record as if it was never there if I paid the debt. However, after paying the debt, I could not get a copy of a letter saying it was paid. Recently, I ran my credit and not only is the file still on my report, but it is still marked as unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 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:
I did not have any account from XXXX., but the Portfolio Recovery Associates , LLC tried to collect a debt from me. 
I think someone used my name to open account in XXXX that I never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
We negotiated a settlement which involved removal from my credit report plus they were also contacted about the information stating the opened date was wrong. They have continued to report even though the settlement was for certain amount removal and corrections of the information of date opened. They have continued to do this with any debt they are issued instead of using the date the debt first became delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06 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: NV

Complaint narrative:
Portfolio Recovery Associates say that I owe them several debts. I did not agree nor did I sign a contact with them at any time. I have sent Portfolio Recovery Ass several debt validation letters and they have failed to provide me with adequate documents and a signed contract from myself stating that I agreed to pay them this alleged debt. Since Porfolio Recovery Associates can not provide this information I wish to have all of their negative remarks removed from all XXXX credit reporting agencies that is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 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: TX

Complaint narrative:
As far as I know FDCPA requires XXXX point verification in order to disclose. I was contacted 2 times now where as soon as I answered to my name they disclosed that I owe {$1300.00} and they want payment. At no point would they listen to my concerns about privacy. They just kept cutting me off and asking for payment. The manager did the same thing and when I asked for his manager he hung up on me because " you do n't want to resolve this '' I told him they called me and not to hang up and he did it anyways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 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: CO

Complaint narrative:
Portfolio Recovery called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given Portfolio Recovery permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 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: TX

Complaint narrative:
Portfolio recovery associates contacted my place of work to attempt to collect a debt. I 've also has XXXX XXXX call my place of work to collect a debt as well. They have contacted me repeatedly after I 've told them to not call my place of work. They have also left information with managers and our HR department along with messages asking for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
In XXXX, I leased a Toyota XXXX from Toyota Financial. I swapped banks in the end of XXXX early XXXX to be more convenient banking closer to my work. XXXX payments i made were not credited by Toyota Finance at that time. They did clear my banks. For the last year plus I have been sending them the information from the banks where it shows cleared payments to TFS. On four separate occasions i faxed the info to them. I have XXXX missed payments on my credit report now because of this. Worse of all now it is time to purchase my lease and I had been dealing with TFS, they said it was resolved and gave me buyout quote. Took off work to make the purchase and then they told me they would not finance me, even with a co-signer, no matter what. Now the lease expires on the XXXX and i have to scramble to get financing and paid in time. There is a chance now my wife will lose her car and not be able to get the children to school and to her work as i work out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I traded my 2012 XXXX for another car at XXXX XXXX in XXXX XXXX, XXXX Toyota Financial Services reported my car as a repossesion car and reported me to collection agaency by mistake, and ruined my credite from XXXX to XXXX, ofcourse they try to repair thier mistakes but damage was done by thier mistakes, I wonder if anybody from government side can punish this Financial Institution. ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I purchased a C.D.from my local bank in the amount of {$9000.00}. I was told at the time of purchase that the C.D. had an automatic rollover. I put it in a safety deposit box when purchased in 2003 and took it out last week. I went into the local branch where I bought it and they said they had no record of it. They said to check the state treasury which I did to no avail .I then went to the XXXX, the FDIC and finally was told to register a complaint with this office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 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:
I continue to receive phone calls from this debt collector even after informing them they have the wrong person/phone number. They are calling about someone with the same first and last name as mine, but a different middle name. I have informed them of their mistake and they promise to remove my phone number from their database, yet I continue to receive calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: IL

Complaint narrative:
I am a new customer with Flagship Credit Acceptance. I recently tried to call over the course of a week to get a hold of someone to request a change of my due date. Every time I called I was asked some kind of long drawn out survey and had to wait for that to finish before I could use the prompts to get to customer service. I was then placed on hold for a very long time and eventually had to hang up as I had to return to work. When I finally connected to a customer service rep, I was told my account was not current so I was unable to change my billing due date until my account was current. Keep in mind I have never been late and pay on time. I mailed my check to them over two weeks ago, but somehow I am not current. I then asked for a supervisor. I was put on hold again for almost a half an hour. When the manager answered he quoted policy and stated he could not switch the due date. He then told me of the various ways I could pay. I stated I had already sent the check in and could not log in to their website as it was asking me for an office number that was never provided to me. When I asked him for that information since he was not going to help with my due date, he told me I had to call customer service and provided me with the same number I had just dialed to get him. He was rude and argued with me the whole time and made me feel like I was the person in the wrong when I am the customer and well within my rights to call and ask for something. I asked him when was the ideal time to stay out of violation of policy to call and get my due date changed, and the manager could not provide me with an answer. I have never been more dissatisfied with a financial company that I am with this XXXX. They are rude bottom feeders. I was set up with them through the car dealership. Considering all the money in interest they make on just me alone, I would suggest someone never does business with them ... .ever ... under no circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
Relentless calling from a company called Portfolio Recovery and they call from several different phone numbers and I have called every number that they have called me from stating that I am not the person they are looking for and that I do not even know the person they are looking for. It 's to the point now that I just pick up the phone and hang it up because it is pointless to keep telling these people I 'm not who they are looking for. This is my work number and it is getting very aggravating dealing with them calling XXXX times in an XXXX hr shift.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Harley Davidson Financial Services Inc
State: WV

Complaint narrative:
We purchased a brand new XXXX in XX/XX/XXXX. I paid extra for an extended warranty that I feel was never properly honored. First the radio went out after a month, the dealership lied over and over we had to take the bike to another dealership to get it fixed at which point I complanied to XXXX XXXX customer satisfaction and they opened up a case. Few months later the bike had a XXXX, we complained about this on XXXX separate occasions to XXXX different dealerships, the mechanics rode the bike and said it was fine. The bike was not fine it still had the XXXX and now the forks are bent. I complained once more to XXXX satisfaction and nothing was ever done and still the bike has the XXXX. I told them I was not making another payment until they honored the warranty I paid extra money for and still nothing was done. XX/XX/XXXX I recieved a letter stating if I did not pay XXXX by XXXX XXXX the bike would be repossessed. Upon purchasing this bike we traded in a bike that they valued at XXXX plus we put down a down payment of XXXX of our own money not to mention all the payments we made up until the situation. Not only are we out {$15000.00} but we are going to loose a bike that has had problem after problem and nothing has ever been done when we traded a perfectly good bike for this one. My dads name is on the line and he recently suffered a XXXX so I 'm not letting him deal with no ore aggravation over this situation we are in. We purchased the bike in XX/XX/XXXX the dealership still has our stock parts even tho we have asked for them numerous of times. I feel that we have been treated unfairly, we work hard everyday and we 're not rich but we do feel that since XX/XX/XXXX we have been treated unfairly and for us to be customers and giving our hard earning money we should be treated fair. XXXX never done anything to help us out with a bike that had problems but we still continued to make our payments so I feel that we deserve a fair solution and not loose everything that we have put a lot of money out for and wo n't be able to get that money back not to mention its gona hurt the credit report involved. In reality it did not have to come to this if they would have just done what needed to be done in the first place. I paid extra money for a warranty that was never properly honored, and we were lied to over and over again, I feel Harley-Davidson Financil Services should have to make this situation right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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: GA

Complaint narrative:
Portfolio Recovery Services calls me constantly and has done so for over a year. Since they are a debt collection company, I assume they are calling for a debt. I do not owe any debts other than a mortgage which I pay on time each month. This company calls a minimum XXXX times per day early morning and late at night. I have logged XXXX different numbers used just in the months of XXXX and XXXX 2015, making blocking of the numbers extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 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:
called regarding the collection of a debt. however, I do n't owe on anything except a credit card ( paid in full every month ) and my mortgage ( paid every month automatically ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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:
I will like to file a complaint regarding Portfolio Recovery Associates, LLC., XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, USA . XXXX XXXX XXXX XXXX in the matter that they are reported unverifiable debt, I 'm not aware of who and when this account was open. I have asked the company twice in writing to verify the debt however they have failed to do. I also asked them to stop reporting this debt to the XXXX major credit bureau. They are not practice good lawful business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
OCWEN LOAN SERVICE & XXXX XXXX. SHAREHOLDER A schedule appointment for Monday XX/XX/XXXX OCWEN RELATION MGR. 
NEVER CALL ME AT XXXX PM. THIS IS THE THIRD TIME SINCE XX/XX/XXXX. 
TO GO OVER THE NEW PACKAGE SENT IN XX/XX/XXXX. EVERY TIME YOU CALL ASSIGNED OCWEN ( RM ) NEVER AVAILABLE THERE NO LOAN MODIFY YET SINCE XX/XX/XXXX, I APPLY FOR AFFORDABLE HOME LOAN, HARP LOAN. IM XXXX YRS. 
To : " XXXXXXXXXXXX '' XXXX " Relationship Manager '' OCWEN PERSON NEVER CONTACTED ME ON XX/XX/XXXX FOR SCHEDULED APPOINTMENT THIS IS THE THIRD TIME.. 
I CALL IN AND ASK WHY NO. VERY FRUSTRATE .THE RM RESCHEDULED APPT. 
FOR XX/XX/XXXX WHOM WAS STILL NOT XXXX .RM ASK ME WHAT I WANTED. WHEN HE CALL. NEVER WENT OVER PAPER WORK.. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On Wed, XX/XX/XXXX, Relationship Manager XXXX wrote : Subject : Important Account Information To : " XXXXXXXXXXXX '' XXXX ; Date : Wednesday, XX/XX/XXXX, XXXX Dear XXXX, Our records indicate you have spoken with one of our Relationship Managers ( RM ) on your scheduled appointment on XX/XX/XXXX. PLEASE PLEASE PLEASE DO SOMETHING ABOUT OCWEN LOAN OR FINANCIAL THIS BEEN GOING ON SINCE THEY TOOK OVER MY ACCOUNT XXXX BUT THEY HAVE FRAUDLENT REPORTED TO CREDIT AGENCY OCWEN LOAN SINCE XX/XX/XXXX FALSE .. XXXX XXXX XXXX THIS NEW LOAN FOR HOME IN XX/XX/XXXX. PAYMENTS ARE INCORRECT. I HAVE MAIL BANK STATEMENT THREE TIME XXXX PAGES TO FL. AND THEY STILL SAY DONOT HAVE.. 
SCAM..NOW THEY WANT TO TAKE THE HOME.. SEE OTHER CASES. XXXX COMPLAINT SINCE XX/XX/XXXX WHEN IT WAS HOMECOMING FIN. THEN GMAC THEN OCWEN. XXXX XXXX INVESTOR. 

From : Consumer Financial Protection Bureau XXXX ; Subject : Your submission, [ Case number : XXXX ] XXXX ; Date : Thursday, XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In XXXX I pulled my free credit reports. I noticed that Portfolio Recovery Associates had recently placed a collection account on my file. I did not recognize this account and initiated a dispute. The dispute came back as the account being verified. I called Portfolio Recovery to inquire about the account and they informed me that they could not take any action on the account until XX/XX/XXXX because they were waiting on the original creditor to furnish verification documents. Portfolio Recovery reported negative information to the credit bureaus before verifying the information. When I questioned the validity of the account they were unable to provide proper documentation. The representative did state that this account is a charge off that is dated in XX/XX/XXXX. This false reporting has caused me to be denied for credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21 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: MA

Complaint narrative:
Portfolio Recovery Associates is attempting to collect a debt that has been settled with them in XXXX 2015. Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11 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:
Continued phone calls for a person with same name as me. Calls are coming from Portfolio Recovery Associates. I have requested that my phone numbers be removed. I have XXXX lines and calls come on both.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 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 constantly calls me, from multiple different numbers, while I 'm at work. No voicemails are ever left or any information for me to contact anyone back. Also, when the calls first started, I talked to someone once and I never received a Validation Notice for the debt. I have emailed Portfolio Recovery and told them that I do n't want any more contact by phone and that I want information regarding my account so that I can create an account and make payments on their website, I received no response to the email and received numerous more calls from different phone numbers the very next day.

Company response to consumer: Closed with explanation