vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-01 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: MI

Complaint narrative:
continued attempt to collect a debt with failure to provide verification under the fair debt collection practice act notice of validation was sent by myself on XXXX/XXXX/2016 via U.S.P.S. certified mail tracking XXXX notice was received on XXXX/XXXX/2016 and proof mailed back to me return receipt # XXXX they failed to provide the following information Explain and show me how you calculated what you say I owe, Provide me with copies of any papers that show I agreed to pay what you say I owe, Provide a verification or copy of any judgment if applicable, Prove the Statute of Limitations has not expired on this account, Show me that you are licensed to collect in my state, Provide me with your license numbers and Registered Agent. 
continued efforts have been made to collect the debt without validation under the fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. In an attempt to clear my credit I requested assistance to the CFPB and in XXXX XXXX XXXX my dispute via the CFPB was responded to by the creditor/ collection company. My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I was promised that this entry would no longer be reported to any of the XXXX credit bureaus and that it would be deleted from my history. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I became ill in a few years ago and had to take off work. Eventually, I had to file for bankruptcy by XXXX XXXX. PRA Receivables Management , LLC aka " Portfolio Recovery Associates , LLC was XXXX of my creditors to file a claim for payment. This payment was for an automobile, XXXX Chrysler Pacifica. The scheduled amount of the vehicle was {$15000.00}. The collateral value was {$9000.00}. This amount was satisfied through the bankruptcy by XXXX XXXX, XXXX including the interest amount of {$530.00}. The total sum of {$9.00}, XXXX. Additionally, this company filed for an unsecured payment of {$7.00}. In which, I have paid {$2700.00} of the unsecured amount. 

Last week, I decided to voluntarily dismiss my bankruptcy case and was advised to call the collection agency ( Portfolio Recovery Associates , LLC ) to request my vehicle title because the amount of collateral value for the vehicle had been satisfied. I spoke with XXXX young men. The XXXX person I spoke with was named XXXX and the XXXX person 's name was XXXX. 

I asked if i could obtain my vehicle title ...? He stated that " if I decided to dismiss my bankruptcy case I would still have to pay the unsecured debt or they would come and repossess my vehicle without any warning. '' Furthermore, I explained to XXXX that the vehicle had been involved in an accident from some guys robbing a jewelry store and fleeing from the police. They had been caught, but had no means to repair my vehicle. I was not willing to charge the damage to my insurance company because it would cause my monthly insurance payments to increase. I also told him that the vehicle had been inoperable most of the time over the last four years. He stated that the value of the vehicle was not much due to the condition and other circumstances that involved the body of the automobile. Nevertheless, he was adamant about me paying more money although the vehicle was not worth what the company was asking me to continue paying. I explained that I was not satisfied with his explanation and wanted to escalate my call to his superior. 

A man named XXXX came on the line and basically stated the same thing, but worded his remarks a little differently. Again, I expressed my lack of satisfaction in dealing this company trying to retrieve my vehicle title. I explained to XXXX that I did not think I would get any resolve by trying to directly communicate with management of this business and I was going to seek outside intervention to assist me in resolving my dilemma.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
In XX/XX/XXXX, my husband passed away after a 3 month hospital stay. Not long after, I was inundated with medical bills, as well as I was working with his attorney to dissolve his Chapter 13 bankruptcy that was filed in XXXX. It was a very painful experience but after several months every creditor was notified of his passing, death certificates were sent, and I was able to begin the grieving process. In late XXXX I received a call and a letter from Portfolio Recovery. I explained to them the situation and they told me the account would be closed. In the last 24 months since then I have received numerous calls and letters from Portfolio Recovery. I have asked numerous times for verification of the debts they have for me and they have yet to provide me the information despite the fact that they have my mailing address. This has also been reported my credit report, and while it does show disputed, there has been no effort to provide proof of the debt to have this corrected.

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

Complaint narrative:
Portfolio Recovery Inc. calling my private cell phone in regards to an issue with a member of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 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:
PORTFOLIO RECOVERY ASS PORTFOLIO RECOVERY A XXXX XXXX XXXX XXXX XXXXThis is a duplicate of the XXXX/XXXX debt and has been reported to all bureaus, but the statute of limitations has run ( 6 years in XXXX where the debt began ). This needs to be removed. The original date of debt is incorrect-should be 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Offices of Stein and Meyer
State: OH

Complaint narrative:
Stein and Meyer called my mother and my employer providing account numbers and informing them they has attempted to serve me both at home and at work. Neither of which is true. They will provide no address information regarding their location. All their numbers are blocked and can not be searched and I have found nothing but complaints regarding the numbers and company stating they are scams. They are calling from XXXX and instructing me to call XXXX. If it is legitimate they would be willing to provide more information regarding there location and would accept mailed payments. I feel it is a scam attempting to exploit me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Portfolio Recovery Associates is reporting a debt/ negative account on my credit report. 

I sent them a letter ( attached ) certified mail that was received on XXXX/XXXX/2015 ( attached ). In my letter I stated that this debt does not belong to me and I also enclosed a copy of my drivers license and social security card ( attached ), to show that it does not belong to me.Since I know that I have never opened anything with XXXX XXXX. I asked them to verify the debt instead of doing such they responded by telling me, I never responded to their previous letter that I send additional info and they are now closing my dispute? ( attached ). Which I never received such letter. 

1. The debt does not belong to me. 
2. I sent this company proof of who I am. 
3. This company did not respond to anything I asked in my letter or take the time to verify the debt instead they close the dispute?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On Saturday XXXX XXXX at XXXX. I deposited XXXX cash in the atm at First Niagara Bank in XXXX XXXX, NY. Later that morning I had a paypal transaction, and a coffee shop transaction. On Monday, I checked my account and they put the debits before the deposit, which cause me XXXX NSF fees. I deposited XXXX cash into my other account at the same time. and I also got an NSF fee for that account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: TriVerity, Inc.
State: OH

Complaint narrative:
XXXX from CU Recovery ( a collection agency ) calls me multiple times per day, calls me during work hours, calls my work phone despite being sent a cease and desist letter on my behalf from XXXX on XXXX/2017 and also a cease and desist text from me personally on XXXX/2017 at XXXX a.m. that asks for communication via US Postal Service only. I received the latest call from him XXXX/2017 AT WORK ON THE COMPANY PHONE at XXXX a.m. ( He has spoken with my boss - the owner of the company in the past. )

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 2016-08-17 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: CA

Complaint narrative:
Hi and Thank You! 

First when XXXX called me from Portfolio Recovery she said this conversation will be recorded and I approved it so they have a recording of what transpired on XXXX XXXX, XXXX. 

I have XXXX XXXX XXXX credit cards that I had to stop paying on in XXXX. XXXX XXXX sold this debt to Portfolio Recovery. 

I contacted by email Portfolio Recovery XXXX XXXX, XXXX by email to offer a settlement of {$2500.00} on a {$5000.00} dollar debt but with interest and penalties they want {$5800.00}. 

I received a call from Portfolio Recovery yesterday and spoke with XXXX. She offered me a settlement on one of the credit cards that was {$24000.00} @ # XXXX and the XXXX XXXX XXXX credit card totaling {$2100.00} @ {$1300.00} and the third XXXX XXXX credit card totaling XXXX @ {$770.00}. 

XXXX asked me for {$2500.00} to start and {$86.00} a month for 13 months totaling {$3500.00} and requested my chiecking account number and routing number. 

I asked XXXX to send me a email or letter first showing these new amounts of money she just told me about and confirmation of the new balance of {$3500.00} and she said it was above her head and put her manager on the phone XXXX. 

XXXX then proceeded to request my checking account number and routing number and i said please send me a email or letter with this new arrangement for payment and he said it was against his company policy. 

I am willing to pay this new amount of {$2500.00} to start now by Certified check only and {$86.00} a month for 13 months totaling {$3500.00} but they will not send me a email or letter first confirming this new amount. 

Please advise. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
When accounts are reported as being sent or sold off to a debt collector, they are considered to be in " collections. '' This usually occurs when a creditor is having difficulty collecting payments on a debt. A collections account will typically stay on your report for about seven and a half years from the date it first became late. 

According to this statement " seven and a half years from the Date it FIRST BECAME late. Applies to me in this case

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: TriVerity, Inc.
State: OR

Complaint narrative:
Because i missed a payment by one day, and did not return a phone call the same day the next day I recived a voice mail stating that becuase I did not return the call they were forced to take further action, when I called to discuss the acct they stated becuase I did not return their call they will be taking my account to litigation. I felt harrased and bullied when I have been coraperative and initiating contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 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: MD

Complaint narrative:
Portfolio Recovery Associates , LLC, have called me, sent me correspondence, I explain my financial situation. My parents called to inform me that the company called them, how the company got my parents number I do n't know, I called them company and asked them to remove my parents number from their list. But I 'm beyond upset when my XXXX year old son, told me he received a call from XXXX XXXX hounding him. This is my debt, not my parents or children this harassment need to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01 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: VA

Complaint narrative:
Portfolio Recovery constantly calls my cell phone and all of my Family members. They 've harassed me for over a decade. They change their name and number, but use the same tactics. We just block them now, but I thought they were suppose to stop all this after your Bureau forced them too. I like a part of life now, blocking XXXX-XXXX different phone numbers per week. Some of the debt is over 10 years old. Obviously their system is still profitable if they keep harassing people. 

It 's just like banks charging outrageous overdraft fees, setting up transactions to benefit themselves. Sure, the Government sues them, and companies like XXXX just settle out of court. Does n't stop them, they just consider it cost of business to deal with fines, they can afford it. 

These companies prey on those who struggle financially, because they know it takes money rot fight back. Pure evil.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Had Hospital Bill over {$20000.00}, Hospital had contract with Insurance Company to pay at contract rate per their contract. Hospital is trying to collect over and above what was contract for. Hospital has sent a collection agency after me and is harassing me to pay an additional amount of money above what the Insurance paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08 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: FL

Complaint narrative:
XXXX XXXX has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. XXXX XXXX and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial Services does not allow a person to pay additional money towards the principal and applies the money to future payments. A representative stated that a person has to send a separate check to a different address to pay off the principal. This procedure is not mentioned in loan documents or the monthly statement. I find this business practice to be deceiving, unreasonable, and a disservice to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I had a debit with XXXX however they are in the XXXX and called my all diferent times a day and night even at XXXX. they turned account over to collection company who does the same thing even calls me on sunday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The company XXXX, is report a debt is not mine that need to be remove off my credit report. There is XXXX account XXXX is {$190.00} and the other is XXXX balance but is report in a negative report against me. I sent this company a request for Validation of this debt. But as I stated in the letter if no respond in XXXX must be remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I learned in XXXX XXXX that a debt collector named Portfolio Recovery Associates , LLC obtained a default judgment against me in XXXX XXXX XXXX ( CA ) XXXX XXXX in XXXX ( Case No. XXXX ). I was never served with the summons and complaint. I learned of the judgment when I was contacted by XXXX XXXX sheriff on a judgment levy. I then got records of the court case. I learned that PRA claimed to have served me personally on XXXX XXXX, XXXX at an address I had not lived at or had any connection to since on or around XXXX. The process server that claimed to have served me, XXXX XXXX, has a history of false declarations of service. Additionally, I obtained documents from the court including PRA 's declaration and request for entry default judgment that I believe are false. Although I believe I might have had an account with XXXX Bank at some point in the past, I do not believe I owed a debt for the amount demanded and I do n't have any reason to believe that I owed PRA anything at all on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX has called the following cell phone numbers, using an automated dialer, in excess and without permission to do XXXX of these numbers rings to the phone being carried by my daughter who is a minor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I recieved a call from XXXX with portfolio recovery regards to a repossession. I explained that I didnt have a car repossessed I proceeded to write them a letter requesting verification of said debt on the following dates ( XXXX/XXXX/XXXX, XXXX ) neither time was i furnished information regarding this debt. This Debt was due to be removed from my credit report on XXXX XXXX. This company reported false payment history on my credit stating I made payments to the XXXX ( this is continued false information ) .I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of payments made, never providing information that i owe said debt according to the FDCPA the amount is more than the previous reported items. ( A ) the legal status of the alleged debt stating that it is with attorneys via my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Phone rings, they leave NO message. I have caller ID so I know the company that is calling me. It is portfolio recovery. Their phone number is XXXX XXXX. I have not talk to anyone as I do not know who this company is. I have no idea why they 're calling.

Company response to consumer: Closed with non-monetary relief