vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO COLLECTIONS CONTINUES TO AGGRESIVLY COLLECT ON THE DEBT THAT I DO NOT OWE. HARASMENTS, THREATS OR ARREST AND INAPPROPRIATE LANGUAGE ARE BEING USED, AND CALLS MADE TO ME AFTER WORK HOURS. EVEN AFTER SENDING THEM A COPY OF MY CREDIT REPORT SHOWING NON EXISTANCE OF XXXX ACCOUNT ON MY REPORT AND SERVING THEM WITH CEASE AND DESIST NOTICE THEY CONTINUE TO IGNORE MY EFFORTS AND AGGRESSIVELY COLLECT ON THESE ACCOUNTS WITHOUT VALIDATION OF THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
i have repeatedly told these guys I have no intention of paying this timed barred debt yet they continue to contact me on a regular basis saying they know this debt is beyond the statute of limitations for collection but they still would like to make a payment arrangement with me, each time a different person calls claiming to have no knowledge of prior contacts. Each time they say they are the last step person before a lawsuit decision is made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JAMES B. NUTTER & COMPANY
State: NJ

Complaint narrative:
At the beginning of obtaining this reverse mortgage my understanding was I was to pay the taxes of the property which I agreed to do. At the time, my property taxes were already behind and the default amount was not cleared or paid up current by the reverse mortgage company. What happen my default amount became an issue, because a clause of the reverse mortgage agreement states property taxes must be kept current which I was not advised nor aware of before I sign the contract, otherwise I would not have sign it. 
Thus, the reverse mortgage company contacted the tax office and paid up the default amount fully on the property and provided me with a monthly repayment plan to repay them as well as the ongoing current amount, leaving me with XXXX tax payments obligations to handle, which became overwhelming to handle, considering the others house up keep that also must be kept up as well. I carried it for as long as I could until it became impossible to keep it up. 
So this is were we are now. The reverse mortgage company has file to foreclosure on the property

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 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: CA

Complaint narrative:
Portfolio Recovery Associates reported a XXXX XXXX Account which they bought from XXXX XXXX to the credit bureau as not settled. I am making monthly payments to PRA since XXXX 2015 after acknowledging to them that this was indeed my account. I checked my XXXX credit report and saw a collections by PRA showing as not settled. Why would you report this to a credit bureau when I was not late on my payments. In fact you get it right away because my bank sends this electronically to you. As of today, XXXX XXXX, 2015 the full amount of {$34.00} has been electronically sent to PRA by my bank and this is the final and last payment per our agreement. I want PRA to remove that record in my credit report as not settled for {$35.00} which is not only the correct amount but false information. You made it appear that I was not making payments to you for this account. and I am asking you to remove this in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have checked ALL XXXX of my credit bureaus and this debt they company is trying to collect on is NO LONGER ON MY BUREAUS!!! This is illegal and it can not be collected on anymore. I need the company to cease and desist all lettets and phone calls now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
This complaint is with Portfolio Recovery Associates. My credit reports show varying information on the date of first delinquency, all of which are incorrect. Their reporting timeframe has passed. The original creditor ( XXXX XXXX ) removed the tradeline XX/XX/2016. PRA also updated the tradeline when I disputed the item and it now states that I have a past due amount. This is false reporting as collection agencies are not allowed to report an account as " past due. ''

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

Complaint narrative:
Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. They bought an account from XXXX XXXX and have continued to falsely report it as a collection account with {$1600.00} owed in my name even after XXXX XXXX removed the account from my credit report after acknowledging that is was not mine. Furthermore, I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting and has kept me from being able to establish a mortgage. I am demanding full deletion of this account as a result of not verifying the information or contract allowing them to report it on my credit report before we pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have requested debt validation for an account and have gotten no reponse

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 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: PA

Complaint narrative:
Portfolio Recovery Associates had placed this negative items on my credit reports without notifying me. I filed an dispute with Portfolio Recovery Associates on XX/XX/2014 and they never responded to my dispute. Portfolio Recovery Associates violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. I had requested this item deleted off the CRA within 15 days from the date of the dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX filed this judgment on behalf of Portfolio Recovery. Accoriding to the FCRA 605. 
Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

2. Portfolio Recovery Asso. bought the debt from an undisclosed source several years after the statue of limitations ran out they hired XXXX, and or sold said debt to XXXX. XXXX in turn illegally filed an outdated judgment, against a man who is a victim of Identity theft. 
3. I was in my native country overseas when the judgment was filed, I therefore could not have been properly served. for the court appearance. 
4. For Portfolio Recovery has NEVER VALIDATED with an leaga documents properly linking me to the debt. to use the name XXXX PERSONAL INFORMATION to extort monies extortion, and discriminatory, this action is akin to IDENTITY THEFT I am are sure Portfolio Recovery the Credit Bureaus and XXXX are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. We therefore request that they cease and desist all debt collection practices. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts on XXXX XXXX credit is in violation of FCRA 611. 
Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] We ask that the CPFB remind Portfolio Recovery and the Bureaus of the ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. I therefore request that you contact them demanding they validate this account. If they can not, they must cease and desist all debt collection practices and must delete and or block the account information from my credit profile according to FCRA 605B ( 15 U.S.C. 1681c-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery, Colorado? Collection Agency, asked them to send me snail mail about account. XXXX XXXX persists in calling and not leaving messages. I told him I was hard of hearing and could n't talk but should have gotten his address and contact info, but hung up on him. Persists in not telling me what account he is trying to collect both on phone and in mail. The credit card company is supposed to contact me and tell me what collection agency is being used. I never got one for this collection agency. Also, if the credit card company is going to have this on my credit report I should be able to pay them and not a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 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: CA

Complaint narrative:
I disputed information on my credit report. The results were favorable to me and were deleted from my XXXX report. Portfolio recovery associates have refused to delete the information from the remaining CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: MD

Complaint narrative:
Ex wife used my name and ssn to open an acct while i was XXXX and she refuses to pay it and it on my credit report effecting me able to buy a house

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 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:
Portfolio Recovery Associates is reporting bad information to the credit reporting agencies. They are reporting as a factoring company rather than what they truly are - a junk debt collector. This tactic has caused my credit to suffer as a result and they are also stating that I owe them {$840.00} whereby I have never had a credit card for that amount. The credit limit that they are trying to collect on was {$500.00} maximum. the original account was agreed to be deleted by XXXX XXXX but Portfolio Recovery Associats is still trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This complaint is in regards to the Enforcement Action taken by the CFPB against XXXX and Portfolio Recovery Associates, and is being made on behalf of my mother for whom I have power of attorney. 

Background : Portfolio Recovery purchased Debt that was beyond the statute of limitations under Louisiana law. In connection with their attempts to collect this debt, Portfolio Recovery made excessive phone calls, threatened to file a lawsuit and ultimately filed XXXX judgments against my mother. Copies of these judgments can be provided if needed. 

Paragraph XXXX under XXXX XXXX of the Consent Order XXXX XXXX XXXX. XXXX ) signed on XX/XX/XXXX, reads as follows : '' For the judgments obtained during the Relevant Time Period from Time- Barred Debt Collection Lawsuits that have yet to be paid, expected to total approximately {$3400000.00}, Respondent must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Time-Barred Debt Collection Lawsuits ; b. Release or move to vacate all judgments obtained during the Relevant Period in Time-Barred Debt Collection Lawsuits ; c. Cease post-judgment enforcement activities and cease accepting settlement payments related to any Time-Barred Debt Collection Lawsuit ; d. Request that the consumer reporting agencies amend, delete, or suppress information regarding any Time-Barred Debt Collection Lawsuits, and associated judgments, as applicable. " According to the Consent Order the following terms should be noted : - '' Debt Collection Lawsuit '' means any lawsuit filed by Respondent, or on behalf of Respondent by a Law Firm, against any Consumer for the purpose of collecting any Debt. 
- '' Relevant Time Period '' means the period from XX/XX/XXXX to the Effective Date. 
- '' Respondent '' means Portfolio Recovery Associates , LLC and its successors and assigns. 
- '' Time-Barred '' when used to describe a Debt means any Debt that is beyond an applicable statute of limitations for a Debt Collection Lawsuit. " In reviewing the Consent Order, I believe the judgments filed against my mother are part of the Enforcement Action and therefore should be released. She has not received any communications from Portfolio Recovery regarding their actions in response to this Consent Order, which should have been made within 90 days from the effective date ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
CFPB made a deal with Toyota to give back money to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Continual calling and harassment on a debt, which they admittedly tell you, they can not enforce because it is over 6 years. It appears that their practice is to harass you until you resolve the debt, even though it is legally unenforceable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
The United States Bankruptcy Court in XXXX XXXX County granted a discharged under chapter XXXX, on my behalf the debtor XXXX XXXX on the XXXX/XXXX/2015. The case no. XXXX. There was no lien on my property, no contact to me by mail, phone, or otherwise to file or continue lawsuit to attach wages or to take any action to collect a discharged debt from the debtor -- -A creditor who violates this order can be required to pay damage and attorney 's fee to the debtor. M & T Bank and XXXX have violate that court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
For the past year I have received XXXX 's of call from Portfolio Recovery. They were told not to call but have intensified their calls to me lately. I want to sue for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 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:
I recently obtained copies of my credit reports and I noticed The company Portfolio Recovery. I have no idea who they are and I do not in any way owe them anything. Upon investigating this issue I found that Portfolio Recovery is not licensed to collect a debt in the state of Georgia. Therefore they are operating illegally by attempting to collect this inaccurate debt from me by reporting it on my credit files in an adverse capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Calling constantly. My cell and my workplace phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I received a letter from M & T Bank that stated I needed to call to update information because of a change in regulatory requirements. That 's fair enough. 
The problem is that the phone number listed does not show up as an M & T bank number in an online search. Plus, anyone who wanted to steal account information could simply copy the letter, but change the phone number. The letter should direct the recipient to look up and call a number they can independently confirm to be an M & T bank number. 
The push-back I received was that they needed to have a new number because otherwise their customer service number would be overloaded. While that may be true, that means that they need to invest in their customer service infrastructure and provide a way to let callers quickly and easily select an option to respond to the letter. 
Directing callers to a random phone number to update bank account information is more than foolish. It sets a terrible precedent for future communication of sensitive information, and it provides a template for scammers to gain access to account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
I was manipulated into sending {$580.00} to a company that promised me a loan in the amount of {$5000.00}. They are refusing to deposit the loan and/or refund the {$580.00} I sent them to obtain the loan. I was scammed out of almost {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called Bloomingdales to follow up on an application to upgrade my Bloomingdales Store Card to the Bloomingdales American Express. I had not heard from them in about a month since working with a manager and some online department for an application that seemed to freeze in their system. I was transferred to credit and she said she could reconsider the application and placed me on hold ... shortly later she came back and said it was declined and she could not do anything. I asked what credit report they had used last month and she said no, I pulled a credit report today! I said, WHAT? You NEVER mentioned pulling credit today and I did not agree for credit to be pulled today, you all have been working on this application for over a month and that is not my fault. So I asked her to recode the pull a Soft pull or remove the hard pull because she did not have my permission to pull a new credit report. She stated matter of fact and defying " That 's not going to happen! " I 'm appauled that these banks just do what they want and damage consumers credit reports and then give us higher rates and deny loans because of all the actions they take with pulling credit all the time and such ... Macy's/Bloomingdales is # 1 Preditor for doing this, all you have to do is head over to any one of the credit boards like XXXX and you can see post after post of consumers ending up with hard credit pulls from Macy 's and Bloomingdales with NO communication or permission that it was going to happen. They need to be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I have asked IMC Credit Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation