vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Auto turned in at lease end. Bill for chargeable damages received 2 months later, including {$400.00}. for " missing '' cargo cover, actually returned with car in its storage slot beneath the cargo area floor, and about {$300.00}. for paint damage which likely occurred after turn in. 

Contacted dealer, Toyota Financial Services, and collection agency on several occasions to dispute charges, but they failed to contact me as promised and reported the account to credit agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-21 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: TX

Complaint narrative:
This letter is dispute to a collection account from Portfolio Recovery Associates that has been in my credit files for several years. The Original acccount is from XXXX My problem is that this same collection item from Portfolio Recovery has been consistently re-reported to my credit file every few months since XXXX, as if to give the impression that this collection has JUST happened each time, most rexcently on XXXX/XXXX/XXXX. I know that collection agencies, specifically Portfolio Recovery does this re-reporting of the same account because new collections on a credit report causes a dramatic drop in your credit scores. I also know that this is a tactic that some collection agencies use to force customers to contact them. This new activity has been even more aggressive because this item has almost reached its date for removal from my credit fle. The problem is that this is a violation of the Fair Credit Reporting Act, and it is illegal. 
This collection account is scheduled to continue on record with XXXX until with XXXX XXXX until XXXX XXXX, and XXXX until XXXX XXXX. 
I have been meticulous in making sure that i resolve all issues that are resolvable to get my credit scores back up, however on this particular account every time i get into the XXXX ranges Portfolio Recovery re-reports this item for a XXXX point or more reduction in all my scores. This is not fair and the satatus has not changed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
I got phone calls and voice mails each day from Portfolio Recovery Associates. They claim I owe money but have never sent me a validation letter regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I purchased a 2015 XXXX from a XXXX XXXX XXXX. I have had trouble getting Toyota Financial Services to accept my payment and have been trying since XXXX XXXX to pay them. They keep telling me I am not paying and I am. When I call customer service I get the runaround. All I am trying to do is to pay my car loan. They have now doubled my payment to XXXX. My payment per contract is XXXX. 

No one seems to listen to me, and I do n't want my car repossessed. I am both frustrated and angry. I am JUST TRYING TO PAY MY BILL. They did n't accept my payment from XXXX XXXX when it was due on XXXX XXXX. So now this is a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In 2009 I bought a new Scion XD from a Toyota dealership in XXXX, CA. I ended up paying cash for this vehicle, but the dealership never remove the financing options from my contract. Thus, when the title was created it was sent to Toyota Motor Credit Corporation. When Toyota Motor Credit Corp. realized they did not have a lean against my car and received my title by mistake, they mailed it back to the same dealership I purchased the car from without notifying me of the mistake or making any corrections with the DMV. In the seven years I owned the car, I never received any letters in the mail or a phone call or e-mails about needing to make any corrections either. Recently my car was involved in a XXXX. I was XXXX. My vehicle was totaled and while trying to settle with XXXX I was informed that I still had a lean against my car by Toyota Motor Credit Corp. I was then told that I would need to correct this issue first before I could receive any money for my totaled car. I am a struggling XXXX who works almost six days a week with XXXX and correcting this mistake took me over four days of driving to the dealership, a visit to the DMV, waiting for a loan release form to come in the mail, and paying shipping XXXX fees which the dealership did not want to pay ( even though this was totally their mistake. ) The dealership is now saying my original contract has disappeared since it has been so long, providing no real proof that I did or did not pay cash in the first place. Yet the Toyota XXXX dealership did call Toyota Motor Credit Corp and confirmed there was no lean on the car. The Toyota dealer/Toyota Motor Credit Corp. had no remorse of any kind for the inconvenience, hassle, and possible damage to my credit over all these years. In fact, I was told at the Toyota XXXX dealership that this happens all the time! I do n't think this is fair and/or right considering all I did was give them over XXXX and be a loyal customer. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I sent a written cease of communication notice along with a request for verification of debt in the form of specific account details, charges, payments, etc ... from the reported original lender/credit card company. I requested in writing that they communicate via mail only and stop all phone contact attempts. Despite the letter, they continue to call and as of this report, have not provided verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 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: NV

Complaint narrative:
I have been contacted XXXX by Portfolio Recovery in within one month in XX/XX/XXXX concerning a debt they allege I owe to XXXX XXXX. Since I am a current XXXX XXXX Card hold I requested the address so that I may write Portfolio Recovery to request the verification of debt in writing. 
The XXXX person who called me gave me an address. I asked her how I should reference the account so that I would receive the correct information. She told me to reference XXXX XXXX in the letter. I mailed the letter, certified return receipt and was not provided a response. 
Another associate contacted me at XXXX on XX/XX/XXXX stating that she was attempting to collect a debt on behalf of XXXX XXXX. I explained to her that the previous associate was not very helpful and that I still had not received a verification of debt. She stated that a letter was sent to me in XX/XX/XXXX. I asked if it was sent to XXXX XXXX, NV, where I currently live. She stated yes. I explained I had not received the notice and I was questioning the validity of the debt. She argued that I did receive it. I asked repeatedly for her to resend the letter, and mail it requiring a signature so that there would be no misunderstanding about whether or not I received the letter. 
The young lady raised her voice and attempted to steer the conversation back to how I planned to pay the debt off. I was not going to discuss an account that I was unsure I owed, and I also needed to verify the statute of limitations of the collection, but explained to her that I would not do so telephonically, but with a written letter from Portfolio Recovery. The associate never gave me opportunity, reference number, or address where I could address my concerns, but continued to raise her voice. I terminated the call because I did not feel that it was productive and we were talking in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 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: TN

Complaint narrative:
Original creditor was XXXX XXXX. original debt {$1800.00} charged off XX/XX/XXXX per my credit report. it appears that this debt was sold in XX/XX/XXXX to a XXXX party named Portfolio Recovery. the amounts do not match. the merchant listed is XXXX XXXX. which I never applied for credit with nor have never heard of. I am receiving negative reporting on my credit report XXXX for an account that was charged off in XX/XX/XXXX. I am receiving nonstop calls from Sunday to Sunday XXXX hours a day from this debt buyerthat will not leave a message and will not provide proof of debt owed to their company. based on my credit report the account numbers of the charged off account and the debt buyers account do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
I am currently behind in my payments to Harley Davidson motor corporation. They call my phone 6-8 times a day and will not stop even after I have told them I am trying to get the money. This is starting to borderline the attorney point. If this continues I will seek an attorney and sue for damages and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: IL

Complaint narrative:
Got behind 5 days on my car loan when the calls started. The calls were 4 -5/day and begin around XXXX. When I talked to them, I told them the situation of slowed commissions and explained that I would be back on track well before 30 days. The calls did n't stop, finally I had to talk to them again and told them I had already spoken to them about it and explained the situation. That still did n't stop the calls. The calls come from several different numbers and it has gotten to the point of harassment.

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 2015-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Calls about a debt that is n't mine or past statute of limitations..have sent cease and desist and still call..calling relatives and threatening them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I looked at my credit report and i learned that Portfolio Recovery Associates is currently reporting XXXX accounts on my credit file as revolving accounts as charged off. I have no knowledge of these debts. I was never given the right to dispute these items either. XXXX is a collection agency and is not allowed to report accounts as revolving on my credit file. I have no knowledge of these debts. they should provide some kind of proof that these debts in fact belong to me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
They keep calling and harassing me and my extended family, bt never mail any proof of anything. Just keep saying they are going to arrest me and take me to court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery calls my cell phone from the number above along with many other numbers several times each day. The debt they are calling about is already dropped from my credit report & over the time limit yet they continue to call me multiple times every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22 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: OH

Complaint narrative:
We filed a bankruptcy over 15 years ago, and a XXXX XXXX card was included with this bankruptcy. We had other accounts with them that were paid off and we closed out. In XX/XX/XXXX ( XXXX ) they sent us a letter for collections purpose, I sent them a Drop Dead Letter soon thereafter, we had never heard from them until today XXXX ( Portfolio Recovery ) Statue of limitations in Ohio is six years! We thought this matter was resolved, but now the phone calls have started. We want this resolved, since the bankruptcy is gone from our credit records, we do n't have any copies of our filling. Want to know what we can do to stop these calls and threats to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I previously contacted the CFPB and informed them that Portfolio Recovery was harassing me by repeatedly placing telephone calls. 

I filed a complaint, and Portfolio informed the CFPB that they would stop. The case # is XXXX. Portfolio has called me at least SIX TIMES, AFTER they promised the CFPB that they would stop. I have the Caller ID information to substantiate this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-04 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: TX

Complaint narrative:
I discovered inaccurate information placed on my credit report by Portfolio Recovery Associates. I immediately took action. I called all XXXX credit bureaus and made them aware of the situation. As a result, they disputed the account. A week later Portfolio Recovery Associates responded to XXXX, electronically, stating " the account will remain on credit report. '' This raised even more concerns!! I did n't think companies could report inaccurate information on people 's credit and get away with it!! So, I sought out legal advice. I was made aware that I could write Portfolio Recovery Associates and demand that they send me legal proof and documentaion of the debt, Debt Validation. I was also warned to send my request certified mail to be sure they received it and could n't claim they did not. I am aware that Portfolio Recovery Associates have XXXX days from the date they receive my letter to respond with the legal documentaion.. I sent XXXX letters to Portfolio Recovery Associates, each certified, XXXX to their corporate location and the other to the location listed on my credit report. XXXX letters were received and signed for at each location on XXXX/XXXX/2015. XXXX was singed for at XXXX XXXX and the other at XXXX XXXX. the clock started on that date. XXXX DAYS LATER, STILL NO RESPONSE!! I never received a response from the company!! I am now demading the immediate and complete removal of any account reported on my credit report by Portfolio Recovery Associates. Portfolio has failed to send the legally required validation of debt. their firm has violated the law!! The Consumer Credit Protection Act, The Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Plus many more. Portfolio Recovery Associates have communicated and continue to communicate incorrect and defamatory information to third parties and the XXXX major credit bureaus. It is time for this to stop! I have suffered and cotinue to suffer damages. I am very upset at their firm 's business practices. I have suffered emotional distress from this. I am demanding that they delete any items they are reporting from my credit as soon as they receive this response from cfpb! Hopefuly they will respond to you guys because they have refused to do so with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TriVerity, Inc.
State: MO

Complaint narrative:
Refused to inform me of where I could retrieve my personal property from my car they illegally repossessed for a past due unsecured personal loan XXXX. 
Continued to call me, refused to say who they were, after I repeatedly told them not to call this number I did not give them, three times in 30 minutes stating simply " I know you told me not to call this number '' instead of answering my question of " who is this? ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery services collected a debt that substantially more then original debt. Portfolio Recovery then pressed a lawsuit in the XXXX XXXX Court Illinois. To avoid a judgement being placed on my credit report, I paid the " settlement '' stated by Portfolio Recovery Services as the only viable option. They stated that the conversation was recorded for mine and their protection. After i was given that notice, I asked XXXX employees of Portfolio Recorvery Services if the judement was still to take place or if was to appear in court.XXXX employees told me I WILL NOT have a judgement and WILL NOT have to appear in court. After making my first payment. Portfolio Recovery services sent notice with an increased debt amount. I called and was informed that information was incorrect. After completing my second final payment ( the agreed upon settlement ) my debt was to be cleared with a judgment in court being placed. Less then 10 days after my final i was mailed a document from the XXXX XXXX court house that there was a judgement placed against me and will be notified of method of payment, whether it will be wage garnishments. XXXX ... AFTER I WAS TOLD THAT NO OTHER ACTION ON MY PART WAS TO BE NEEDED. Portfolio Recovery will not return my repeated attempts to contact them. Judgements like these will further destroy my already deteriorating credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 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:
I have disputed this account with Portfolio Recovery Associates through all XXXX credit bureaus. It is apparently for a XXXX account that I do n't believe is mine. They have sent me a copy of a last statement with amounts for a past due and payment now due and balance listed. It does not verify the debt is actually mine, but they keep stating it 's verified. The amount they are claiming I owe is neither of the XXXX balances on that statement. With just a little bit of research about this company I realized that they are not even licensed to do business or collect debts in my state of Georgia. I would like all collections to cease on this account and for it to immediately be removed from all XXXX credit bureaus and for Portfolio Recovery Associates to stop trying to collect accounts in states that they are not licensed in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 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 is trying to collect a debt they bought and they are not licensed to operate in my state. I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 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: TekCollect Inc.
State: TN

Complaint narrative:
This I believe to be a power bill I 've never been contacted about I found out through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
on XXXX/XXXX/2015 i contacted Money gram regarding a lost/stolen money order. I provided them with the serial number and they confirmed that the money order had not been cashed. I attempted to put a stop on the money order and was told i had to fill out a claim card that had to be mailed in. On the call i asked that they make a note with regards to the money order and prevent it from being cashed. whomever i spoke with stated she could not put the claim in without the claim card. That same day, the claim card was completed and mailed to money gram. On XXXX/XXXX/2015 I called Money gram to follow up on the claim card. on that date the money order had not been cashed. it was reasonable to believe that they claim card was received ( even if it was not processed full on XXXX/XXXX/2015. On XXXX/XXXX/2015 i received a letter dated XXXX/XXXX/2015 stating my money order was cashed on XXXX/XXXX/2015. That same day I called money gram and spoke with a woman named XXXX ( she refused to provide a last name ) who stated, she was unable to confirm when my claim card came in and that {$18.00} was required to send me a copy of the cashed money order. She then proceeded to state losing a money order is the same as losing cash implying that there were no protections for my money. I spoke with another agent named XXXX later that same day. He also stated that he was unable to determine when my claim card was received. he also stated that {$18.00} was required to continue my research on the lost/stolen money order. He much like XXXX stated the issue was no longer money gram 's and that i need to pursue the matter when the money order was actually cashed.

Company response to consumer: Closed with explanation