vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had an arrangement with American Express that they would take out {$500.00} a month on the XXXX of every month directly to pay down the outstanding balance of my account. 
They have taken it out {$1500.00} to {$2000.00} out of my checking account. 
Today I was updated by Experian of the following : They Charge off my account? even with an agreement? And American Express was taking Money directly from my checking account Monthly? and I would not be charged further interest? Where most of the incurred debt is coming from. Why did they call me and get me to agree to the terms that they requested if they were going to pursue a charge off '' XXXX Potentially negative information has been posted to your Credit Report Hide DetailsBusiness : Phone : Status Date : Payment Status : AMEXXXXX XXXX XXXX XXXX, FL XXXX/2015Charge-offReported By : XXXX What is Potentially Negative Information? 

An item is " Potentially Negative '' when a credit reports that you have not met the terms of your agreement with them. This may include late payments, charged off accounts, accounts sent to collection, bankruptcies, liens, judgements, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I placed a call to first federal credit control on XXXX to inquire about a settlement and spoke to a representative by the name of XXXX at EXT XXXX. XXXX explained to me she would send me out a bill that I requested and she asked me how much I can pay to satisfy the debt and I gave her an amount she said it would take 24 hours before she can give an answer. XXXX failed to notify me that she was a debt collector attempting to collect a debt. About an hour later I received a call from XXXX and the agent explained I would n't be able to settle the debt I have to pay the full balance and she asked me when I planned to pay but she never disclosed she was a debt collector attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
My doctor ordered me to take several medical tests. He did not disclose that there would be a copayment cost with each of them. He is obligated to disclose this to me up front as I am a XXXX patient. I wrote a letter to the medical company saying I should not have to pay the copayment charges as I am a XXXX patient and am supposed to be told up front if there would be any expense to me. The medical company did not reply to my letter but shortly thereafter I received a letter from a collection agency that I must pay. The medical company saying I owe {$100.00} is XXXX MO XXXX. The account with them is " Re : XXXX XXXX XXXX Acct # XXXX {$100.00} ''. The collection agency they used is : Transworld Systems Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MI XXXX. Their reference is : XXXX XXXX XXXX XXXX, Total Balance {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
There was a break in and fire at a home i owned that was about to be foreclosed on. I was issued a check for an insurance claim in 2008. XXXX mortgage was a payee, along with myself. 2 months after the fire, the house was foreclosed on by HSBC Bank, which bought my mortgage, along with attorney XXXX at XXXX. The attorney asked me to mail the check to them, and they would sign it and return it. They said it was mine. I sent the check, the never signed nor returned it to me. years later, i find the check is still uncashed and the insurance company is telling me its unsigned and that i need to claim it I begin contacting the attorney, which wont call me back. I contacted the bank several times. I talked to people who identified themselves as XXXX XXXX, XXXX XXXX, XXXX XXXX and more. I contacted them on and off for a month and a half this year to no avail. They ended up telling me they could not help me, i needed a letter from them signing off from the insurance claim, so it could be taken care of. They told me to contact the attorney.. whom i contacted several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My complaint is against Midland Funding LLC of XXXX XXXX.a credit card company. I received this card I believe around 2002 maybe or earlier. My question is what is the statue of limitations for the state of XXXX for credit card collection and who is in charge of how much these companies are allowed to pile on additional charges. My initial credit limit was {$350.00} with the XXXX withheld for some type of annual fee. Needless to say whenever I have received collection letters from various companies about this debt the cost on this account continues to rise. I have refuted this debt several times. The amount that they are trying to collect is XXXX plus XXXX court charges. Since this account has passed through so many different hands no one seems to know where the additional charges are coming from or they are not willing to find out. What are my rights as a consumer and who can help me with this 14 yr old debt. The company that is presently collecting is XXXX XXXX XXXX, XXXX ( XXXX ) XXXX in XXXX , XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I paid this collection with Midland Funding in XX/XX/XXXX and it 's still showing a STATUS as OPEN, in collection and 90 days past due as XX/XX/XXXX on my XXXX and XXXX credit reports. I have made numerous phone calls and disputed this info to the company at least XXXX or XXXX times since I paid the collection in XX/XX/XXXX. All I have asked the company to do is update the collection iwith the correct info and show that is a paid collection. No such luck as of yet. Every time I dispute this collection it shows up with a new collection reporting date as if the collection is new. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I took a loan out with this company in XXXX of 2016. When I took out the loan I understood what the initial payment would be and was told that I would pay lower increments each month. However, I did not understand that the interest would decrease at the slow rate in which it is currently decreasing. Because last month was XXXX and personal and property taxes were due. I was unable to pay the minimum amount of XXXX. ( I have been paying an excess of XXXX a month on this XXXX loan since XXXX with the first payment being 0ver XXXX ) I therefore, contacted the company and agreed to pay {$350.00} of the balance. I was told that the addtional would be added to the balance of XXXX 's payment. Now, this month they are showing a minimum of XXXX. XXXX due and with the additional amount left from last month. I am having to pay {$660.00} this month. I called the company to see if a lower payment could be negotiated and was told that an arrangement could not be made on an arrangement. I am totally frustrated with this loan company. I borrowed {$3000.00} from this company in XXXX with 160 % interest rate, I am scheduled to make monthly payments for a year. I read an article about another payday loan company overcharging in interest rate for consumers of Virginia and realized at this point that I, too, am being overcharged in interest rates. The comapny I am referencing is Opportunity Ficnacial, LLC. I am seeking assistance in getting lower monthly payments and adjustment to my interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I disputed XXXX items on my credit reports relating to debts that Portfolio Recovery had been attempting to collect on. As part of the dispute process, Portfolio Recovery sent out a copy of the bill and a letter from XXXX, but I never received any validation documents, such as a signed contract or anything. While discussing it with them, they claim that the bill is validation. any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 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: CT

Complaint narrative:
I had paid this debt off on an agreement almost XXXX years ago from this same company. Now since I have applied for a XXXX XXXX card, they have contacted me almost everyday saying that I owe them money. I explained that I had no idea what they were talking about, that I do not owe them anything. They read off my SSN, address, & phone number! It was creepy. I paid all my old debts off when I was going to apply for my mortgage at the time. To top things off, there is nothing on my credit report about this debt either ... .and why? cause its paid off. This was settled all that time ago, why now are they trying to double dip?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Services has continued to pursue me over a credit card debt that along with many other was discharged in a bankruptcy proceeding. I have disputed the {$660.00} claim numerous times through the credit bureaus and PRS continues to provide false statements as to the validity of the debt. I am trying to buy a new home and at the advisement of my lender, decided to pay the debt in order to bolster my credit rating. Even though I have paid the debt in full ( which I believe strongly to be bogus ), they have not properly reported the collection as " closed '' to the credit bureaus and continue to report it as an open balance of {$660.00} and continue to call me to pay the debt. I recently read that this company ( Portfolio Recovery ) was ordered to pay back XXXX of dollars due to unethical practices, which lead me to file this complaint as I believe I am also a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I had a lease on a toyota XXXX and paid regularly until the lease was expired. I turned the car in. A few weeks later I received a bill for {$720.00} for over mileage. I paid the bill that day and did not hear another thing until last week when I received a notice from XXXX XXXX XXXX saying I had not paid the bill and failed to respond to previous requests. That was the first and only collection notice i received. After extensive investigation involving going to my bank, callint Toyota Financial Services, lexus Financial services, visiting both XXXX and XXXX dealerships, we finally figured out that I had, in fact, paid that bill but, since the lease had been terminated, there was no further account. Thus, the payment was applied to another lease on XXXX. But I was never told that nor was there any way for me to tell. Subsequently, I rolled that lease into another XXXX but was never told anything about the fact that the {$720.00} was applied to that down payment. 
So, after several days, many calls and visits and much aggravation, I called the credit bureau back and paid the {$720.00} again, but extracted a promise that I would receive a letter stating that my credit was cleared and the bill was paid. Instead, I received another collection notice from XXXX XXXX XXXX for {$720.00}. Of course, they are not open during non business hours and I have a day job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 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: FL

Complaint narrative:
A company called Portfolio Recovery Associates LLC continues to call me even though I am on the do not call list. After several calls I finally spoke with a gentleman and he said they are trying to collect a debt back XX/XX/XXXX or XX/XX/XXXX. Not exactly sure. I informed him that if the calls did n't stop I would be contacting the Federal Trade Commision to file a complaint. He responded that I would have to send a certified letter stating I want the calls to stop. The calls did stop for about a week but they are back to calling again. I receive about one call, sometimes two a week from different numbers, the last number was just today from XXXX from XXXX Tn. The only way I can see them refraining from the continuous phone calls which are on my cell phone is to seek help from your company. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I was involved in a motor vehicle accident with my XX/XX/XXXX XXXX XXXX financed through Toyota Motor Credit/Toyota Financial Services. They are was deemed a total loss and my insurance carrier, XXXX, paid off the remainder of the loan and the title was signed over to XXXX by Toyota. I also had gap insurance. On my credit report, I am showing a charge off for a balance of {$700.00} on XX/XX/XXXX and late flags for XXXX, XXXX, XXXX, and XXXX. When I contacted Toyota to dispute this and get more information, I was informed that my account was closed and they were unable to access my account or help me in any way. This leaves me unable to dispute this with them and I have no where else to turn. The resolution I would like to see is the charge off removed from my credit report and that of my husband 's ( the joint account holder ) and the late flags removed for XXXX, XXXX, XXXX and XXXX on my credit report as the loan was satisfied and the title was released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect 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
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
A debt collector from Portfolio Recovery at phone number XXXX XXXX XXXX XXXX called me on XX/XX/2015. The collector asked for me by name and I said yeah eventually. She then informed me that a had a debt for XXXX XXXX Back in the amount of {$500.00} dollars. I then asked her if she was going to verify if I was the correct person by Social Security number or Birthday and address and she just kept confirming my name. I then asked her if she was suppose to give me the mini Miranda by law since she just told me everything without verifying and she did not say it. I asked her if she was required to verify and give the mini Miranda and she ignored my question and kept confirming my name. I asked her to transfer me to a manager. The manager got on the phone and I informed him of what just happened. I asked him the same questions and he told me nothing but who I called and if I wanted to resolve the debt. I then asked him if he was a third party agency and he ignored my question. The manager did not verify or give me the mini Miranda. I then asked to speak to his manager. She came on the line and identified me by name she then immediately gave me the mini Miranda and I said. " so you do have to say it! '' I then told her about her other XXXX reps and she responded that they do not have to verify because they bought the debt from XXXX XXXX. Which still makes them third party. I am filing a complaint in reference to this call. I feel that if anyone would 've answered the phone and said they were me they would 've disclosed all of my information to a third party. I do not feel comfortable having my personal information in the office of Portfolio Recovery simply because of this call and the negligence of the procedures they have in place. This agency is in violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15 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: GA

Complaint narrative:
Portfolio Recovery called about " a '' XXXX XXXX, about a XXXX XXXX account with the last XXXX digits of the social of XXXX. Never had an account w/o a middle initial, never had a XXXX XXXX account, incorrect last XXXX digits of the social

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Continue to receive debt collection calls from Portfolio Recovery Service. I do not have any debts, nor have I ever. All times Central. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
Because of economic reasons -- we have a lawn business that was hit hard when the housing crisis hit and folks were cutting back on services. As a result, we got behind on our payment. I have been trying for months to get a loan modification so we can get back on track and keep our home. Yet at every turn, Caliber Home Loans seems determined to take my house away. First they told me they would n't modify the loan because I could afford the monthly payments. Yeah. That 's what I was trying to get across to them. If they would just reinstate the loan, we could maintain the monthly payments. I also asked for a reduction in the interest rate of 7.999 % that we 've been paying since 2007, but no go. 
They set me up on a repayment plan that made the monthly payment more than our monthly income so I applied for another loan modification. With the sale date of XXXX XXXX approaching, I called on Monday, XXXX XXXX to check on the status. The Point of Contact called that department and they said to call back on Friday and they would hopefully tell me some good news. So I called on Friday and was told that because the loan modification request had been submitted within 2 weeks of the sale date, it was too late and gave me a month extension on the sale date. They could n't have told me this on Monday when I talked to them? Total deceit. They also neglected to tell me I needed to resubmit the loan modification and I have been waiting all this month to hear if they approved it when they have n't even been considering it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 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:
I do not acknowledge this debt. 

Portfolio Recovery is reporting a debt to the credit reporting agencies past the 7 year limit. The date of last activity on this account was XXXX 2008. They are still reporting this account after the 7 year federal limitation. 

The date does not begin when they buy the debt, but the date of last activity with the original creditor. The statute of limitations " clock '' starts ticking on the date of last activity on the account. This is the date of last made payment in XXXX 2008. 

If they continue to violate the FCRA my attorney will immediately file suit for violation of the FCRA. 

Please investigate this collection agent for violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was sued by Portfolio Recovery Associates, I told their attorney XXXX XXXX, XXXX that I was on SSI and Social Security XXXX he said that it did n't matter, I have received 4 Notice of Levy trying to garnish my bank account, they listed the wrong bank on each one.

Company response to consumer: Closed with explanation