vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-25 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:
This company takes a variety of tactics to reclaim a debt. I first discovered an attempt to collect this debt after I was sued by this company. I did not show up to court, and they received a default judgement against me. The debtors then seized my assets which I proved were protected under the law and attempts to collect we 're closed by the court. After I had stopped them from taking my funds. For the last year, they have used a number of tactics to get this debt including contacting a 3rd party about my debt, reporting to the collection agencies when I disputed the account, and they reported the judgement entered to the credit agencies after I asked them to remove the debt. I had asked them to verify the debt after receiving the judgement, including my signature, but they never produced these documents. Instead they sent me old statements, which I know does not qualify as adequate verification of debt in the state of Illinois. They still are claiming that they have provided me with verification. I contacted the original creditor to see if I can dispute the debt with them directly, as this company is extremely difficult to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
My XXXX year old mother received a notification from Portfolio Recovery Associates LLC claiming she owned {$2000.00} dollars for a debt with the 'original creditor ' being " XXXX XXXX XXXX XXXX. ". They indicated she could pay the debt in installment and save up to about {$900.00}. My mother had XXXX in the prior year and was afraid it had something to do the that ( even though all bills had been paid ). I called the Portfolio Recovery Associates and after getting the run around and letting them know further correspondence would be through our attorney, they said the would just 'take her off the list '. We 'll see if this holds true. The point here is that she could have easily thought she owed the money and made payments. After looking at the information on the internet regarding this company, I think they are a scam prey upon older people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This complaint is about 2 issues : 1. The DUPLICATION of this debt on my Credit Report by 2 companies, the original company XXXX ( XXXX also called XXXX XXXX ) and the company they sold/transferred it to Portfolio Recovery Associates. BOTH OF THESE COMPANIES ARE LISTING THIS SAME DEBT ON MY CREDIT REPORT! They even share almost the same account number : The XXXX account number for this debt is : XXXX While Portfolio Recovery Associates list this debt as XXXX See any similarities? 
XXXX List this as a closed debt while Portfolio list it as an active account. 
2. This account was closed by XXXX after they mistakenly thought I had not made a payment in XXXX of 2009. When they called to tell me I had missed the payment I gave them the confirmation number of the payment I had made on time and a few hours later told them I had checked with my bank and indeed the payment had gone through the bank. Nevertheless they wanted me to make another payment that included a large penalty, which I refused to make. XXXX subsequently closed the account even though up till this time I had a perfect record of payments. I had never had a problem paying the original amount but the total since this time has always reflected the original amount plus penalties. Even though I have complained about this duplication before both of these companies have published this DUPLICATION ON MY CREDIT REPORT FOR 6 1/2 YEARS!

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

Complaint narrative:
Called me at work and then got rude with me when told not to call me at work. 
XXXX XXXX with portfolio recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery XXXX. Call multiple times a day. Every day of the week. Have no debt in collection. Asked not to be called. I think it is a scam, but I am really tired of these calls. Make them stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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: SC

Complaint narrative:
This company keeps contacting me about a debt that is not mine. The company, Portfolio Recovery Associates LLC, purchased the debt from a bank, XXXX XXXX. Years ago ( XXXX or XXXX ) the bank contacted me about this debt, and at the time, I had to fill out all kinds of paperwork. The verdict at that time was that identity theft had occurred. The debt is not in my name. 

On XXXX XXXX, XXXX, I wrote a letter explaining all this to Portfolio Recovery Associates LLC. I specifically told them that they had a problem with XXXX XXXX, not with me, if they had purchased debt from XXXX XXXX that stemmed from identify theft. 

They keep sending letters and attempting to solicit my personal information, including my social security number and birthdate. 

I am attaching to this complaint ( if I can ) a pdf of the XXXX XXXX, XXXX letter I have already written these people. 

They need to stop contacting me about this debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04 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: PA

Complaint narrative:
This company has the wrong person, yet they keep calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 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:
Portfolio Recovery located in XXXX Virginia has been constantly calling everyday at various times for a debt that no longer belongs to me. The debt was placed on my credit reports 10 years ago, and by law has been removed from my credit reports. 

Portfolio Recovery has been trying to collect a debt that is basically 10 years old. I have asked them to stop calling and mailing correspondences to my address, but they ignore me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I bought a Toyota Camery XXXX on XX/XX/2016 from XXXX XXXX Toyota and I bought all the warranty they offered me includ Gab insurance and they explained to me that Gab insurance pays the difference if the private insurance did n't cover what I owe to the bank and the I had accident and was n't my fault I reported to my insurance and they paid me XXXX and They sent the check to Toyota and I was waiting for Gab insurance to kick in and pay the rest but I was surprised when they paid only {$390.00} and now I have to pay the rest which is almost {$9000.00} however, the GAB insurance should coverage but they cheated and lied to me and really I do n't know what I should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX NOT PROVIDING ME THE STATEMENTS TO JUSTIFY THEIR CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been getting annoying phone calls from a company called Portfolio Recovery. phone number listed is XXXX. They call at ll hours of day and evening from XXXX to sometimes as late as XXXX at night, while we are trying to sleep. I have also contacted my telephone company about 6 months ago and they suggested I block my phone number which I have done. But the company continues to call from a different number. i have also talk to them in the past year and a half and I have told them that they have the wrong person. I have answered the phone several times and I can hear background noise and no one says anything to me. They continue to call to this day even though, I have told them to stop calling me. It has become very annoying to the point that I feel harrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This organization claims that they do not have written authorization to cease communications other than in writing. I will again send this information to them however, the representative said that she will continue to call until I provide banking information which will allow them to automatically withdraw funds from my account each month. I will mail the agreed payments to them however, she stated that is not good enough and she will continue to call because they do n't consider it an arrangement or agreement unless they can automatically withdraw payments from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Greetings ; Portfolio Recovery is indicating every month on my credit report that they have an open collections account with them for a debt that I disputed more than XXXX years ago. They are not actively collecting ( and have n't for years ), yet they are ruining my credit report. How long can they continue to report an " open collection '' against me? This debt has passed the SOL for collection, even IF they could validate it, which they can not. Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Mailed a certified letter to this company on XX/XX/2016 for debt validation. I received the unopened letter back in my mailbox undeliverable. The address I used was the one provided on my bureau, therefore they did not validate the debt or mark it disputed within the 30 time frame allowed by FCRA. On top of that, I do n't owe this company any money. I have never heard of this company. 
Two companies are reporting on the same alleged debt on my name which is playing a significant role on me being declined for credit, bad insurance rates, and also a loan on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX my lease for my XX/XX/XXXX XXXX is completed. I am going through personal health issues with XXXX, my husband and I thought that the best thing right now is to keep the SUV and fiance the remaining balance. I will be XXXX % honest that some payments were late, but I never had any repocession and I always caught up. This was do to me being ill. Not because we did not want to pay. On Toyota 's side and what they reported to credit agency 's is inaccurate. I tried XXXX times to straighten out with Toyota and dealership. Neither helped. I then have been contacted by both the dealership and Toyota of my expiring lease and what my next step is. I emailed the dealer telling them what my current situation was pertaining to car and health. Because Toyota destroyed my credit - I had to get a co-signer. I had the proper co-signer, more then sufficient income XXXX {$1500.00} a week via spouse ) and that I would be able to put a down payment. Toyota refused. They caused the issue by not reporting properly or every time I faxed ALL their XXXX logs from my credit union magically never got. I have been called a deadbeat by a XXXX XXXX XXXX agent - then Toyota paid ME {$100.00} in good will via claim filed through CFPB. The dealership promised I would get approved no worries. Now not the case and have ignored me since. I have been approved through XXXX other dealership ( XXXX and XXXX ). Now I am in a position health wise I have been given XXXX months to a year to which Toyota was informed. Still did not matter. I have tried XXXX times to correct situation. Now I will be with out a car. This all transpired over XXXX - when I really should have devoted my time to my XXXX children and spouse. I attached texts from dealership saying " Do not worry it will get handled ) .... The new fiance XXXX I am dealing with his very assitant has and is having same issues with Toyota. I have texts from that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was never late in paying my Capital One. The account was on autopay set up through Capital One and that had been the mode of payment since establishing the account. I paid the account off in XXXX. I do n't know how they can justify destroying my credit by stating that I was XXXX, XXXX and 90 days late for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital One they refused to take this enormous mark off my credit. That account has a zero balance and was closed at my request, as I had XXXX other Capital One cards with higher balances. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX and XXXX off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
The phone number calling is:XXXX. I received XXXX calls between XXXX XXXX and XXXX XXXX ; sometimes getting XXXX calls a day. Most of the time I would answer and they would hang up. Once in that time a recorded message said " Please be advised this is not a telemarketing call ; this is a business call for ... CLICK ''. 
On XX/XX/XXXX the same ph. # came up, I picked up and said " hello '' several times, nobody said anything but they did not hang up right away, so I said '' You interruppted a very important call, you 'd better say something this time or DO NOT CALL BACK, STOP CALLING THIS NUMBER! Then they hung up. 
Later that same day that number called again. I answered, again, they said nothing. I said, " I TOLD YOU NOT TO CALL BACK, I AM REPORTING YOU. STOP CALLING ME ''. I then submitted a claim to the Do Not Call site, as I have been on that registry for years. 
On XX/XX/XXXX they called not once, but twice. The first call that came in I was able to say '' YOU HAVE BEEN REPORTED, DO NOT PHONE THIS NUMBER AGAIN ''. 
On XX/XX/XXXX another call came in on the answering machine, so I again submitted a complaint. 
Today, XXXX XXXX, The message on the answering machine was different. Still a recorded message. The message said XXXX XXXX was a debt collector looking for? XXXX XXXX? If I continued to listen to the message then I was acknowledging that this person was at this number. 
I was not home when this call came in. This entire call was a recorded message. I do n't know who they were looking for. I could not understand the name, It sounded like XXXX XXXX, XXXX XXXX,???? I do n't know. But, I do know that this phone number has continued to call here after being reported XXXX, and told several times to stop calling. This is the first time they gave any names. Of which I do not know any of them. I do not know who this XXXX XXXX is. I do not have any debt anywhere. The end of the message said if I had any questions to call XXXX. 
I did not and do not plan on calling that number. I do n't need another number phoning me all the time looking for someone who does n't exist, at least, not at my home. and is n't a name I recognize. 
If you can do something about this, that would be great I am not happy with this caller phoning now a total of XXXX times between XXXX XXXX and XXXX. It is very annoying, and harassing, and I really would like it to stop if that is possible. Thank you for your time in reading this. 
***I WOULD LIKE TO SUGGEST THAT YOU NOT GIVE THEM ALL OF MY IDENTIFYING INFORMATION AS I DO NOT HAVE ANY DEBT OF ANY KIND WITH ANYONE. AND THE PERSON THEY WERE LOOKING FOR, WAS NOT ME, BUT SOME PERSON, BY A NAME THAT I DO NOT KNOW.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Since XX/XX/XXXX, I have been requesting from Equifax to provide me with written proof of the incorrect information it provided to XXXX when I applied for a credit card. The only response I have received from Equifax has been completely ambiguous and no proof has been yet submitted. The response I received on XX/XX/XXXX, makes no sense at all. It actually does not addressed my request to provide me with the names and accounts of the credit unions past due and too high. I also want to know how Equifax arrived to the determination that my credit score was XXXX. By law, I am entitled to have this information provided to me. Please see attached correspondence I forwarded to Equifax. I also sought assistance from this organization as well, but the issue was never resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
XXXX. I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I never get any knowledge of this account be put in collection from the company before getting treated calls.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX I booked a room through XXXX and when I went to check-in, I was told their systems were down and they were not able to check anyone in and again, I was instructed to contact XXXX to credit back the {$91.00} I had been charged and was again unable to reach a live person at XXXX. I contact Capital One on XXXX and disputed the charge, which they issued a temporary credit, however, there was a rebill on XXXX for the {$91.00}. I have sent them a letter on XXXX explaining in detail the issue again and have yet to see this reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied my car own through XXXX XXXX dealer in XXXX XXXX XXXX, VA. This dealer works with Capital one. Capital one gave me interest rate 6.45apr. My account number is XXXX. 
There are XXXX problems. First of all, my dealer XXXX XXXX who charged me more without my awareness. My loan amount should be XXXX, but it became {$15000.00}. ( The finance guy who worked for XXXX XXXX put extra theft preventive system charge on my account. Despite the paperwork has my signature on there, but my friend and I never got informed of this additional charge. ) This Finance guy left office already. So the GM from the Priority who admitted their fault and refund {$1300.00} to me. ( I think Capital one should return me the interest has generated from this extra charge. Because i should only pay the interest from the amount ( {$13000.00} ) i had borrowed ) Second, Capital One gave me an unfair interest rate. I checked rate from XXXX XXXX in XXXX XXXX, they gave me 4 % interest rate. However, when I went to Priority dealer, they used Capital one as their loan service. Capital one gave me 6.45 % apr. When I signed my paper with Finance Guy, I thought this loan amount {$15000.00} has included the interests for 5 years and the principle amount. ) I want Capital one re-evaluate my credit score and gave me a fair interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This is a debt that has been cleared up with XXXX XXXX. They actually owe me money due to an overpayment. I have asked 3 times for CCS Collections to stop calling me but they wo n't.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX I took a loan from Capital One ; Never missed a payment. Then XX/XX/XXXX I was at a complete stop at a traffic light when a driver came slamming in the back of the car cause a total loss. Capitol One was contacted and was paid in full by the insurance company by approximately 2 months later. The XXXX miss payment that is reflecting on my credit report is incorrect. Please assist in disputing these XXXX miss payment. I have been an exceptional customer for the 2 years. Thank you.

Company response to consumer: Closed with explanation