vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery keeps calling and attempting to collect on money that I have disputed this the company. They are also calling and harrassing me and my family and friends stating they have a lawsuit against me and call them and myself at all hours of the day and night. I have yet to recieve anything in regards to a lawsuit or any paperwork from them period. They have been calling family members and telling them about my personal business and that they have a lawsuit against me and I dont even speak to these family on a daily basis. I would like for them to stop harrassing me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 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: WA

Complaint narrative:
Third party collections bought my debt, which is 8 years old - 7 years ago. They have called my home, my work & various cell phone numbers no less than 4 time a day for in excess of 7 years. They pester me endlessly. Not only does this does this debt belong to my ex husband, not me, it has exceeded the amount of time to take action on and third party collections are non enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: MI

Complaint narrative:
I was charged a late fee of {$55.00} for a payment that was done on XXXX website. I have never been late with my loan before. The representative I spoke with in XXXX 2016 when this matter occurred reported it was the company 's fault and would handle the problem. As of today 's date ... the problem still exists. Every month XXXX report my loan late due to the late fee of {$55.00}. Every month I call XXXX XXXX and get no results. I have requested to talk with managent/supervisors with no progress.

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 2015-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery is aggressively attempting to collect a debt I discharged in bankruptcy. They are reporting this debt on my credit report as an active collection. I notified them of this 2 months ago yet they refuse to remove this from my credit report.

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

Complaint narrative:
Portfolio Recovery Associates has filed a suit against me and I ca n't afford a lawyer or to pay back the money I owe to Get XXXX they are threatening me with taking property from that I do n't have they call me XXXX months ago and I told them I will not be able to pay them back and they still threatened me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30 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: IL

Complaint narrative:
To Whom It May Concern, I am writing in reference to reference number XXXX, for XXXX XXXX. The debt has been paid as agreed to XXXX, XXXX, XXXX and XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX, IL. 

Due to a lack of communication between XXXX, XXXX, XXXX and XXXX XXXX and Portfolio Recovery Associates my XXXX, XXXX, and other credit reports still state that the debt is in collection, and also further show that it is being disputed. 

Please report that this debt has been paid in full, and please request to remove any trade-line disputes on my records. Failure to do so will result in recourse for reporting debt that is inconsistent, as well as to seek punitive damages. 

Further, If I do not receive a letter via e-mail as well as registered postal mail to XXXX XXXX located at XXXX, XXXX, IL, XXXX indicating the debt has been paid in full, and request of removal of trade-line disputes then I will be forced to file for legal action. 

Best, XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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: CA

Complaint narrative:
I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 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: CO

Complaint narrative:
We received a call from XXXX attempting to collect a debt we do not owe. We looked the number up on the internet and found that numerous other people had the same experience. We found similar reports on XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Company called " Portfolio '' continues to call me from MANY different phone numbers. I have XXXX debt outside of current mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WV

Complaint narrative:
Toyota Financial Services had my vehicle repossessed for XXXX in arrears. I offered to pay back balance plus towing expenses before it left my driveway and they said no. They insisted that I pay off the balance of the vehicle at a XXXX. I said I was interested in keeping the vehicle and protecting my credit and they stated they would only let me pay off the vehicle. I again offered that I could pay past due amount and towing to stop repossession and they refused and took my car. Now they said I would have to pay XXXX, towing fee and transfer fee as they are moving to an out of state towing area to have it auctioned off. So I asked if I could pay for it when could I get it back they said I had to wait seven days. I said you just told me you were moving out of state to be auctioned XXXX but I have to wait XXXX and incur extra charges because you move it. They said yes ... I 'm not sure what my options are, please help. This happened XXXX other time and the amount was XXXX plus I paid it immediately and stopped any issues. When I offered this time and the amount is actually less they declined and said they were taking the car and my only option is to pay it off. This is my sons car and as a government employee who may be furloughed I 'm trying to save my credit and my sanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
We received a loan to purchase a car through Toyota Financial Services. 
- First payment was received by Toyota on XX/XX/XXXX - Shortly thereafter I called to have the payment date extended to the XXXX of each month. The gentleman I was speaking to said we had to sign a form. I told him we were leaving on XX/XX/XXXX and wold not be back until XX/XX/XXXX. He said he would either email it or fax it ( I do not remember which ). 
- The required form did not arrive so several days later I called Toyota and a woman helped me said I did not need to sign a form and that she could change the date. 
- XX/XX/XXXX we received a collection call from Toyota. when I spoke to the person told me not only did we have to sign a form must now pay Toyota {$28.00} or {$29.00} for Toyota to do their job and change our payment date ( first we have been told about this ). Basically I was told " too bad so sad you are now past due and we are not going to the right, ethical or moral thing and change the payment date retroactively. 
- I then made several calls - all of which my phone dropped due to the bad reception. 
- Finally I got through to someone who put me in touch with someone who said they could help - then my phone dropped the call again. 
- When we returned home there was a form from Toyota for us to sign that was mailed after our departure date - of which they had been made aware.. 
- Long story short - I have made repeated calls but still can not get this straight. Each call the holding times have been from 8 to 20 min hold time and when I am put through to a supposed " Resolution Specialist '' one waits another 15 to 30 minutes to speak with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
My complaint is about telephone calls to me from a debt collection company. I have no outstanding debts of any kind. Yet I continue to receive telephone calls from this company whose website self-describes as a debt collection specialist. No message is ever left on my answering machine and many different numbers are used, presumably to defeat the call-blocking feature of a home phone. 
I went to the company 's website on XXXX XXXX XXXX, 2015 and stated that the calls had to cease as I had no outstanding debts so there was no case to be had with me. The calls resumed this morning so I am filing this complaint. 
Your form required me to choose a type of loan, but there is no loan concerned with this company or me. Your form also required me to best describe my issue, but again, there is no loan, so my issue is best described as harassing or annoying phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: TriVerity, Inc.
State: TX

Complaint narrative:
Approximately XXXX or 5 months ago, I received a call from CU Recovery Inc and they tried tricking me to reset statute of limitations. I advised them that I did not recall this debt because it was from on or about XXXX. I advised them verbally to cease and desist all future contact with me by phone calls to myself, friends, family and employer and as well postal mail. I made it clear that I consider it harassment and it will not be tolerated. They acknowledged my request and we mutually hung up the phone. About a few weeks to a month later, they called me again! I advised them that it is harassment and I do not want to speak to them again, that time I hung up the phone in anger. Well today I received a letter of collection dated XXXX XXXX, XXXX. The letter states I have XXXX payment options. I have attached a picture of the debt letter they sent me. It 's in reference to account # XXXX in the amount of {$7200.00}. I do not know where this amount came from and the letter does not illustrate DOFD ( date of first default ) and there are no other identifying information illustrated on the letter. I feel as if I 'm being taken advantage of, or that I might be becoming a victim of some sort to CU Recovery Inc. From the initial phone call from over the summer of XXXX, I advised them per the FDCPA that in other cases of case law, courts have allowed a verbal cease order to stand and that is what I advised CU Recovery Inc . They have ignored said request and they need to be stopped. If they are taking the law into their own hands for me, then what are they doing to other consumers? Please help me, I do not appreciate being harassed. Thank you CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 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 recovery Associates of XXXX, Calif. have repeatedly sent me calls regarding a past due delinquent loan account payment that is not mine. insisting that i set up a payment plan with them and settle this matter without further interest payment increases. I was offered several options as i repeatedly interrupted and proclaimed that it was n't mine. 
i told the person that there are many people out there with my name because it was very common, if they could please re-verify it once again. I was told " our system, clearly shows sir, that you have a balance of {$1200.00}, " How would you like to make a payment today sir? Debit or Credit Card or check over the phone using your router number and checking account? What amount are you paying today sir. I did n't have time to speak. I finally said, NOTHING!! I told you, I do not have a XXXX Account that is still open, I had one, but it was closed out. it was an auto loan. i said, send me to court! i will prove that you are wrong. She said, we ca n't take you to court sir. then why are you calling me? i 'm on the ' do not call list!! but you owe us this money sir, it was a loan in your name. you still owe this amount, plus interest. i hung up. i really did n't think they meant to speak to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-07 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: FL

Complaint narrative:
I had a prior case with XXXX XXXX and I tried numerous times at your request to try and work with them. They wanted more than I was able to afford for payments. 
They over talk you and interrupt if you tell them it is unreasonable. They even threatened on occasion. Now they sold my file to Portfolio Recovery Associates LLC and even though XXXX told me it was written off the amount has grown even larger. 
I emailed my situation to them and they did there investigation and decided I have to pay them. 
I still do n't know why XXXX would n't work with Debt Helpers knowing that they would have been paid in full but at a lower interest rate. Every credit card did work with them and the mortgage got modified despite them. Do I have to pay this other company now? 
I read about them and they like to sue people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
In XXXX of XXXX, I reviewed my credit reports to find that Portfolio Recovery was reporting a debt that I was never contacted about. I sent Portfolio Recovery a validation request and in XXXX they responded to my validation request stating that they needed more information to process an investigation. Now, how can you report something on my credit file if you as a company need more information from me the assumed consumer to process my request based on the information you provided. I again attempted to get validation of the same in XXXX of XXXX and to date have not received proper validation of this debt. And according to the Fair Debt Collections Act 809 ( 4 ) the debt collector has 30 days to provide proper validation, this has not happened.

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

Complaint narrative:
The previous person that had this phone number is the one they are trying to reach. We have had this phone number for 8 years and they are still trying to collect from him. Is there some way we can stop these phone calls. We have an answering machine that picks up and our tv has give us this phone number and the caller phone number XXXX. They call two and three times a day every day of the week even on Sundays.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 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:
Over the course of the past decade, I have sent Portfolio Recovery Associates multiple certified letters regarding harassment for non-existent accounts. I continue to be harassed at my home from the following debt collectors : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I currently do not have any accounts in default status.

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: OH

Complaint narrative:
They agreed to accept XXXX on a XXXX debt to settle, I paid it and now they say I did not. This was over 7 years ago and I do not have records to prove myself. They call five times everyday, they will not send me any paper work. My credit is ruined because of this XXXX little illegitimate debt that was already paid. They have wrecked my life ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JAMES B. NUTTER & COMPANY
State: HI

Complaint narrative:
Lawyer for James B. Nutter has contacted me using United States mail with an order to eject me from my property. 
Real estate agents representing James B. Nutter has contacted my neighbors and has specifically told my neighbors that James B. Nutter owns my home because of non payment of a debt. 
XXXX XXXX XXXX has been sent to my home to clean my property by order of James B. Nutter. 
James B. Nutter is attempting to seize my property illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My cell phone has been robo-dialed at least six times since XX/XX/XXXX by the junk debt buyer Portfolio Recovery Associates. 
They are attempting to collect on a debt that has been time-barred since XX/XX/XXXX in the state of Delaware ( XXXX XXXX XXXX, the original creditor 's, state of incorporation ) as well as time-barred since XX/XX/XXXX in the state of Florida ( where I have continuously resided since XX/XX/XXXX ). 
This is in violation of the Fair Debt Collections Act in Title 15 of the US Code, the Consumer Financial Protection Act in Title 12 of the US Code, and the Telephone Consumer Protection Act in Title 47 of the US Code. 
This is also in direct violation of the Consumer Financial Protection Bureau consent order # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Quality Lenders Inc
State: SD

Complaint narrative:
I sent this company a request for debt validation in XXXX 2015. No information was ever received so I then submitted a complaint with you Case number : XXXX in XXXX 2015. The company responded and claimed they never received my request in XX/XX/XXXX and said they would send me a copy of the judgment but do n't have my address. I did not ask for a copy of the judgment, also never did receive one. I asked for them to prove the debt was mine. I then disputed their response with you and then never heard anything back, nor received any information what so ever since XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 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: CT

Complaint narrative:
Whenever I have a credit card someone uses it and the balance gets out of hand. The ending balance is usually twice the purchases I made and these include fees and interest. On all my credit cards I asked the companies to provide a reconciliation statement, how much principal, how much interest, how many fees and not one company gave me a statement. XXXX is notorious for identity theft. I tried working with these companies when the balances shoot up and use my skill in accounting ( took a college class ) and they WANTED me to ruin my credit. XXXX is behind this, I believe. We bought our house XXXX XXXX XXXX, XXXX XXXX with perfect credit and XXXX told me I had to go to XXXX of XXXX. They stood looking into our room and said, " This is very unusual, '' and managed to take over my accounts for the rest of my life. They have some kind of credit watch on my accounts and whenever I get a card they use it. Now I am hearing from Portfolio Recovery Associates on the phone every day. They call and do n't leave a message. This time I got the person 's name and number. I want to send them my phone bills for a year for this harassment. I pay for my phone and not for them for their business, crooked as it is. They should be arrested. Just now, XXXX XXXX a woman called just after XXXX. She said her number was XXXX. I want to dispute this on my credit report because the only way I knew to stop the identity theft was to stop paying my accounts to stop the thieves, thus ruining my credit.

Company response to consumer: Closed with explanation