vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-05 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: OH

Complaint narrative:
Portfilio Recovery Associates XXXX XXXX XXXX XXXX VA XXXX, is trying to collect a debt I have disputed as not mine. They sent me after I disputed the charge for {$220.00} and it appeared a charge on my account that was a result of some sort of Identify theft or a charge that is fraud. 

PRA sent me a copy of my XXXX XXXX statement and it did not document the actual charge or merchandise that they supposed I did charge. I believe if it is my mine, which I do not believe since they have unable to send me any XXXX XXXX charge slips that show my signature for this disputed charge, even though I have requested in writing XXXX times for this documentation. 

PRA is calling my home up to XXXX times day, even though I have disputed this charge. This is in violation of both Federal and State statues which prevent harassment from these types of tactics. 

I would like PRA to provide me with the actual charge slip that backups the supposed charge that I owe or discontinue the collection of this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I received a collection letter from Portfolio Recovery Associates concerning a computer system purchased from XXXX XXXX through XXXX XXXX. The computer was purchased around XXXX 2011, with no interest charged due to my high credit score. This system was paid in full on XX/XX/2011 by electronic payment from my credit union. I have the XXXX statement showing the full amount of the last invoice I received from XXXX as paid. Portofolio Recovery is demanding payment in full of {$1000.00} even after I provided a copy of the XXXX 2011 CU statement showing the final invoice amount of {$370.00} as paid from my account. They continue to send letters with additional demands which I answer within their time limit, but I do not send additional information except to inform them that their info is incorrect and that I never received any correspondence, of any type, from XXXX, concerning this bogus past due account. I also informed them, to no avail, that IF this was a past due account any reputable company would have made contact sooner that four years after the fact. I understand that this company has some very questionable history in matters of this type.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: WA

Complaint narrative:
I am the co-signer on my daughter 's student loan with Sallie Mae. She applied for the loan to attend XXXX University. While there, it became necessary for her to transfer to XXXX University in XXXX, WA because of the rising costs of attending XXXX. She was supposed to have a two-year grace period after she graduated, which occurred last XXXX. SM made a mistake in the process, and told her that her grace period had expired!! Since then they have been constantly harrassing both of us. The payments they want are way beyond our ability to pay. She is a XXXX in WA. SM and XXXX are demanding {$1500.00} per month. We have repeatedly tried to work out a reasonable rate of payment but they have refused to do so. This has severely impacted my credit, it went from XXXX to XXXX in less than a month. In addition, they have called my cell phone even after being told to stop. Also, my work phone. I am ready to provide more detailed information, this is just a synopsis of what we have been going through since last XXXX 2016. We are willing to pay the debt, we just want something that resembles a manageable amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 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:
I am called at least once a day, frequently multiple times a day, by Portfolio Recovery Associates, always from a different number. I do not know what debt they are trying to collect as they will not make any verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15 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: ND

Complaint narrative:
Company called " Portfolio Recovery '' is calling my cell phone, but will not say who they are calling for. When I ask for the name of who they are calling they will not answer me. I have requested that they send me by mail a letter explaining this " debt '' that I am totally unaware of, and the woman gets short and says she wo n't work with me unless I give her my name. I feel she should know who she is speaking to before I release any info over a cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have received a credit report marker for a thirty and sixty day credit marker for my XX/XX/XXXX and XX/XX/XXXX payments. However, I had arranged a deferral contract for my monthly payments to be extended onto the end of my lease period. Because my monthly payments were brought up to date via deferral - my account was brought current in XX/XX/XXXX. I am requesting for the credit markers to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 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: IL

Complaint narrative:
I noticed that on XXXX/XXXX/2016 when my credit updated for the week with XXXX a new collection account was added to my XXXX credit report. I do n't owe this account nor have I had a credit card with XXXX XXXX. I never got notice of this. This was added falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MT

Complaint narrative:
Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone They call at all hours, including early morning and late at night. This debt is over 8 years old and no longer reported to consumer credit. I also received a notice from the debt collection company saying they would continue to try to collect the debt even though they could not sue me. The original debt was {$500.00}. With all of the fees it is now up to {$1600.00}. I am currently on unemployment, live in a rural area and am unable to pay this debt. The debt was incurred when my husband was passing of XXXX XXXX and it was used to help with expenses. In 2008 I lost my XXXX position due to cut backs and have had a difficult time financially since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15 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: FL

Complaint narrative:
Portfolio Recovery Associates are attempting to collect a debt that isnt mine. They claim I owe {$490.00} for a XXXX XXXX card that isnt mine. I share the same name with my father who passed away last year and I know he was going through financial hardship. I truly believe to the best of my knowledge that he is the one who owed that debt, not me. They have place a collection account on my XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
repeated calls, as many as XXXX or XXXX per day to my cell phone. All from different numbers that all show up in my caller id as the same company name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
well i had some financial issues and i have told them several times stop calling me/ as i am going for chapter XXXX and now my credit report is showing XXXX items for collections? it is hurting my credit report even more when i have told them over and over to take off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 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: MN

Complaint narrative:
This was originally taken off the credit reports after being disputed. They decided to put the debt back on the credit report and now are falsely stating that the first major deliquency was from XX/XX/XXXX when the card in fact is from XX/XX/XXXX-XX/XX/XXXX. They are making the card and charge off look newer than it actually is. The original creditor is still on my report with the correct date. They are trying to sabatoge my credit report and even when disputed will not update with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This letter is to reveal the horrible service that I have received from your office. I paid off my account and was promised a Judgement of satisfaction letter. To date I have received nothing from your office but lies and deception. Just today alone I called and was given the run around and was transferred to over XXXX employees and still no solution to the issue. 

I am being held hostage even after I paid off my balance in full. I have not received my paid off letter nor a satisfaction of judgement letter even though I was promised. 

Today alone I have spoken to the following employees:1. XXXX and her manager2. XXXX ( in Customer service ) 3. XXXX in litigation4. XXXX XXXX using ID # XXXX. XXXX XXXX ( Litigation ) 6. XXXX XXXX ( litigations )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
My ex-husband opened an account with XXXX XXXX XXXX Bank using my name and SS #. His name is XXXX XXXX XXXX, SS # XXXX. The account is now in the name of Portfolio Recovery , Inc., XXXX, VA. in the amount of {$950.00}. There is a judgement filed against me for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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: CA

Complaint narrative:
Portfolio Recovery Associates is calling me after I have requested that do not contact me via a letter i sent which the rep says they didnt receive which i know is false because they sent me a letter responding to the letter i sent verifying an account that they verified with insufficient proof via a statement which doesnt proof anything I want all contact ceased! and I want the account removed from my credit report! since it has not been properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was contacted by mail by law firms that will represent me in a lawsuit brought on by Portfolio Recovery Associates. I was n't aware of any lawsuit against me by Portfolio or anyone. I called Portfolio Recovery and they do n't have any records on me by searching my name or full ssn. The lawsuit claims I was in default XXXX. I called XXXX XXXX and they do n't have a record of me opening an account XX/XX/XXXX. They have no records of me at all. I researched the XXXX XXXX XXXX public records for a case against me. I found where Portfolio filed on me XX/XX/XXXX. I called the court house and they do n't have anything else but a case file. I was never served and the court does n't have any court dates scheduled for the future. I have court papers I got from the XXXX XXXX XXXX courts and the papers say unofficial. I also tried to contact the Attorney that Portfolio hired, but she never returned any calls. I found an article on XXXX XXXX about Portfolio stating the CFPB filed against them for pressuring consumers with false statements and churning out lawsuits using robo-signed court documents by the Consumer Financial Protection Bureau. I believe that is what happened to me. It 's a false judgment, neither company has any information on me. I feel harassed by them, spent a lot of time and effort trying to figure if this is a legitimate case and lost a lot of sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Apparently I have old debt that I never could pay off. It has been atleast XXXX years and I am still getting calls from Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 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: WA

Complaint narrative:
portfolio recovery ass. llc continues to report old debt in violation of the fair reporting act and is effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 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 had XXXX ( XXXX ) Collections that were placed with XXXX XXXX XXXX and XXXX in XXXX. XXXX XXXX {$500.00} credit limit ( now show that I owe over {$1500.00} ). How can the payoff be more than the credit limit on the card when there was a {$300.00} credit balance left on the card. I called XXXX XXXX XXXX 's office to settle the acct. for the original credit card balance and was told by a XXXX XXXX representative that they would not except the payment2. XXXX Credit card {$1500.00} credit limit ( same thing happened as with the XXXX XXXX. There was an XXXX representative at XXXX XXXX XXXX that said they would not except the {$800.00} that I offered. After making several attempts to pay the collections I then pull my credit report to find that XXXX was sold to another collection agency named Portfolio Recovery and they are now and has been reporting me late every month since XXXX Who are these people and how is it that the account was sold while being handled by an attorney? 
This now appears XXXX on my credit report, which is affecting my overall score. 

I am really at a lose and do n't know what I should do from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: F.H. Cann & Associates, Inc.
State: SC

Complaint narrative:
Initial communication with FH Cann & Assoc. was after a wage garnishment was implemented with my employer. I informed FH Cann representative that I had received no written notice and was unable to verify amounts. They replied it was sent, but offered no proof of receipt. 

I also explored a rehabilitation at this point but was told I could not enter the rehabilitation at that time, then again that I would have concurrent paycheck debits of XXXX % each for a total of XXXX %. As this is clearly unaffordable, and I was not in a position to pay this debt by credit card as counselled by FH Cann, I resolved to continue with the garnishment payment. 

I made several attempts to contact FH Cann and request an account balance and a monthly statement. I was told by seperate FH Cann reps that these are sent monthly via mail. They must use the same mail service for the statements as their initial disclosure of debt, I have yet to receive either via paper mail. I did receive 1 statement and balance after to speaking to XXXX XXXX for the second time. 

I recently filed a complaint with the XXXX and FH Cann General Counsil repsonded that they do not send monthly statments and that I may determine my " payment '' by reviewing my paystub. While the Esquire is correct, my paystub shows a debit amount, it does not provide a running balance, associated interest and fees. I have contacted the origional debtor for this information and was informed I must deal with FH Cann. 

I believe as a consumer I have the right to the disclosure of debt ; not provided. 
I have a right to see where and to what and how such garnishments are being applied. 

If they are not required by law to provide these statements, how is consumer to know when such debt is satisfied? How is the consumer to know if the fees are within allowable legal limits? 


If this is not illegal it most assuredly is poor business practice and poor customer communications. 

Thank you

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 2017-01-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The collector served court notification papers to a family member who is not me and was unaware of what was even happening. I contacted an attorney to represent me and the attorney communicated with the collector 's attorneys ( I have email records ) and reached an agreement to not pursue the case. I recently found out that the collector still proceeded with the case in court and received a judgement without either my attorney or myself present.

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

Complaint narrative:
In my experience with this company they have done the following items : Threatening a lawsuit and other legal action Improper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call with written letter mailed stating clearly to do not contact ) Disclosing the existence of the debt to third parties and knowledge of other debt Continuing to attempt to collect debt that was not owed or that had been paid. 
Made arrangement to pay off prior debt, Close and remove debt for credit history Failed to compete their end of the settlement Failure to accept payment arrangement on multiple occasions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14 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: RI

Complaint narrative:
I have been a victim of identity theft. I was contacted by XXXX XXXX for credit card only for online store ( XX/XX/XXXX ). When I started to receive phone calls ( XX/XX/XXXX/XX/XX/XXXX ) I submitted a fraud form to XXXX XXXX and requested dates of purchase and proof of delivery when the debt occurred. I never heard back but recently Portfolio Recovery purchased the debt and began contacting me. I have emailed to Consumer Ombudsman Office of General Counsel Portfolio Recovery Associates , LLC ( " PRA '' ) and sent then information of my identify theft and requested date and proof of delivery of when these debts were incurred. They can not or will not supply me with the dates and delivery proof. I can not fully complete their forms with out proof of residency but I do not know when the dates of theft occurred. Portfolio Recovery will not investigate without the forms being completed. If they can not provide proof of delivery, address of shipment and the date purchase was made for debt how can they expect me to complete their forms to investigate and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-23 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: MN

Complaint narrative:
On XXXX/XXXX/2016 I started the process to get a debt from Portfolio Recovery Associates validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute XXXX { XXXX XXXX XXXX ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no verification, all that was done within the 30 days they had was mark their trade line on my report as " Disputed ''. Already with no proof of MY signature validating the debt and their lack of response, they have already broken Federal law. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them XXXX last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored, short of the first letter with them marking their trade line as " Disputed '' except now reads " Dispute resolved- Consumer Disagrees ''. I have all documentation of my attempts of correspondence with Portfolio Recovery, and will also be attached with my complaint.

Company response to consumer: Closed with explanation