vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a Total Rewards card serviced by XXXX. Over the two years I 've held the card, I 've had to contact them at least three times to reverse late fees because I did not receive an email notice of payment due, even though I 've been on paperless billing and should be getting those emails. Their representatives always assure me that the notices will be sent, but they never are. It 's been a full week now and the most recent late fee and finance charge is still showing on my account. I never knowingly leave balances on my credit card accounts. Due to the problems with XXXX, I 've purposely avoided using this one ( no voluntary use since XXXX 2016 ), but there was an automatic subscription renewal charged to it in XXXX, which I did n't discover until I went to search old statements for something unrelated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: IL

Complaint narrative:
On XXXX XXXX, 2016, we accepted a contract on our house from a buyer who is a client of Neighborhood Assistance Corporation of America ( NACA ), with a closing date of XXXX XXXX, 2016. 

We were provided a nice letter from NACA ( attached ) stating that the buyer had been working with NACA, " and are qualified for the NACA Mortgage to purchase ... '' our property. 
After repeated requests for an update, on XXXX XXXX, NACA Mortgage Consultant XXXX XXXX notified our attorney and our realtor : " Lender is conducting their final review. Will provide an update as soon as it is available. '' Our attorney then made repeated attempts to get an update from XXXX XXXX, but there was no reply. 
On XXXX XXXX 2016, the day before our movers were scheduled to pack up our home, we were notified that : " The lender has not issued a clear to close on this file. The file has exceeded the typical review time and has been escalated to get a response as soon as possible. As soon as I have an update I will communicate progress. We will not be able to close on the XXXX at this point. So we will need an extension. '' A two day extension was requested and granted. 

On XXXX XXXX, 2016 the our movers completed loading and our family and possessions headed from XXXX to XXXX. 

On XXXX XXXX, 2016, our attorney then made repeated attempts to get an update from XXXX XXXX and schedule the closing, but there was no reply. 

On XXXX XXXX, 2016 we were notified : that they buyer 's attorney requested that the mortgage contingency and closing date be extended to XXXX XXXX, 2016. As we were still in our contingency window for the home we had under contract in XXXX, we agreed to the extension. 

On XXXX XXXX, 2016 our attorney started making attempts to contact NACA to get an update. NACA made no effort to respond. 

On XXXX XXXX, 2016 we were notified : that they buyer 's attorney requested that the mortgage contingency and closing date be extended to XXXX XXXX, 2016. Seeing as we had no recourse, except for canceling the sale, we agreed to the extension. We were able to secure an extension for the house we have under contract in XXXX. 

Monday, XXXX XXXX, 2016, once again there has been no communication from NACA, no closing was schedule and we are now a day or two away from having to terminate the contact on the home in XXXX. Additionally we are facing significant unanticipated expenses as a result of NACA lack of communication and follow through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 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: FL

Complaint narrative:
I am now seeing yet something else from Portfolioi on my credit report ... ... ... .if it is the one I am thinking of and I can not be sure as I never received any mail regarding this debt ... .it is for a little over XXXX, this may have been one that was closed over 5 yrs ago so that statute of limitations has expired ... .in state of Florida ... ... .Portfolio already unsuccessfully obtained a judgement against me for over XXXX which was shortly vacated by the court there after ... ... ..that debt was still in the statute of limitations and was still vacated ... ... ... Portfolio was just sued for attempting to collect debt and reporting debt that was beyond the statute of limitations for collecting ... ... .this need to either be noted on my credit report that the debt is way beyond the statute of limitations or that Portfolio is once again using unfair tactics in their credit reporting ... ... ... the also call the home and do not identify themselves but instead use a spoofed number or they will ring in from their cellular hone which displays a name instead of Portfolio ... ... .when you answer the phone, you get cursed at until you hang up ... ... ... I am no longer responsible for this debt, period ... ... .and I do n't even know for sure what it stems from because I got no mail ... ... .I am on XXXX XXXX, own nothing except the clothes on my back and I am co owner on a Fl homestead which may have our names on it but I guarantee XXXX will still own it when we die ... ... ... .and that is protected by homestead ... ... ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31 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:
A recent credit inquiry has brought to my attention that Portfolio Recovery Associates is reporting to the credit reporting agencies an account to which they claim I owe. 

I have reached out to Portfolio Recovery Associates on several occasions to gather more information and have not been successful in getting a response form them. I have sent Certified Letters through the United Stated Post office and have confirmed they were received by them. Yet they have failed to respond in a timely manner. 

I have also disputed the account with the credit reporting agency and Portfolio has verified them without provided proper verification. 

Further more the reporting they are submitting monthly violates laws by reporting as an open account. They are also reporting as a factoring company account. 

I am demanding that Portfolio submit an immediate deletion of this account request to XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
We are leasing a XXXX Toyota Camry the lease is up XXXX XXXX. All of our paperwork from Toyota says that our vehicle is a 6 cylinder vehicle. We were also told that it was a 6 cylinder vehicle. We wanted to purchase the vehicle at the end of the lease and then wholesale it. We had it looked at by a mechanic and he informed us that it is in fact a 4 cylinder not a 6 cylinder. We contacted Toyota and after several phone calls they said that it was a typo but were willing to give us {$500.00} for the mistake. They are saying that that is the only difference between the XXXX cars. In fact it is closer to {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Continuously calling my employer. I 'm not allowed personal phone calls and they call during work hours and after work hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19 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: CA

Complaint narrative:
Portfolio Recovery Associates has a collections account on my credit report that contains wrong information. Portfolio Recovery Associates intentionally put wrong information so that the trade line would stay on my credit report for a longer period of time. Portfolio Recovery Associates has engaged in deceptive business practices in flagrant violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Constant phone harassment, late/and or dozens of calls in same day. Constant machine dialing our number and hanging up when answered, sometimes within XXXX seconds of another. Most often these calls happen every XXXX minutes and with my husband being XXXX and I have been ill for about XXXX months it gets hard to get up and answer. This has affected calls from others due to not having the call thru feature they get busy signals. They Ignore requests to stop calling. ABUSIVE conduct for an ILLEGAL OUTDATED DEBT from approx XXXX. Calls placed to another phone that is charged per call and still refuse requests to stop abusive communications. The company calls from a phone number until I find out what is is and block the number, The company then calls from a new phone number until I block that XXXX, this goes on and I now am estimating the I have XXXX or more different phone numbers for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
Tried to utilize a debt consolidation company ; things got worse. Filed for bankruptcy and had to voluntarily dismiss due to high IRS debt that ex husband was paying his half. 

Reached out to Portfolio Recovery to offer $ XXXX month payment and also have collection status come off of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 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: TX

Complaint narrative:
On XXXX XXXX, XXXX I file formal dispute Portfolio Recovery Associates , LLC. And requested all documents that validates their claim. All I received was a form letter with redundant information. Then after several attempts to get them to comply with 15 USC 1692g Sec 809 ( b ) of the FDCPA. on XXXX XXXX, XXXX I made a formal request for Portfolio Recovery Associates , LLC. provide me with the legal competent evidence that I have a legal obligation to pay. Again I received the same form letter and documents back that they had sent before. On XXXX XXXX, XXXX I received a letter stating that they would not respond to my request. 

To resolve the problem, I would appreciate your demanding them to comply with the law and provide me with the information and action that I requested. Enclosed are copies [ copies, not originals ] of my records, and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 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: NC

Complaint narrative:
I have contacted this agency for validation regarding XXXX debts that they claim I owe in the amounts of {$460.00} and {$480.00}. I have no knowledge of these accounts and they both have been disputed. To date they have only sent bill statements and nothing more and have done this twice claiming that was how they validated the account. XXXX is not acceptable for me. I am requesting that they send proof that I am indeed who they are saying owes this debt by sending a contract or agreement with my signature rather than a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: NE

Complaint narrative:
On XX/XX/2017 pursuant of the FDCPA, I requested validation of a debt that Portfolio Recovery Associates is attempting to collect. The company failed to respond and they have continued their collection efforts. 
The reason I requested validation of this debt is because I am not even certain who the vendor is that managed the XXXX BANK account. XXXX BANK offers credit products for many companies and the name on my report is very vague.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: VA

Complaint narrative:
I 've received XXXX letters and daily phone calls from a company named Portfolio Recovery Associates , LLC. They say I owe {$260.00}. For something I bought from XXXX XXXX 's. I responded to their letters asking them to please provide me with proof of purchase. They sent me a blank form of verification of debt, which they want me to give them all my personal information and have it notarized. That 's not gon na happen! I almost never shop at XXXX 's. I have n't used a XXXX 's credit card and I normally pay by check. If I did owe XXXX XXXX 's for a purchase would n't they have sent me a bill? All I 'm asking them for is proof. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 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:
Creditor agreed to remove my liability from the account and has removed from all CBR agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
This company will contact me and let it go by the way side for several months then they will contact me then let it go by the way side. The debt is invalid because it happened way beyond the statutes of limitations, but they continue to call and harass me. The woman on the other line was vile, unprofessional, and inappropriate over the phone. She called me a thief, told me to pay my bill, and that there is no way I was able to speak to an upper management at the company. She obviously get 's her jollies off at upsetting peoples day. I was at work and have a family to provide for. This is complete bs, and hope they get their license pulled. I will pray that the people at this company find a better way to make a living, no one deserves this treatment. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
On XXXX I mailed a typed letter to Portfolio Recovery Associates to politely inform them that my company did not permit personal phone calls and to request they stop calling my workplace immediately as their contact could possibly imperil my job. 

Since them I have received a call on XXXX from XXXX, one on XXXX from XXXX, and one on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 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:
I keep receiving phone calls from this company Portfolio Recovery Associates, asking for my daughter which she does not resides with since XX/XX/XXXX, my phone number is a new number and no one has this number, I called this company on XX/XX/XXXX and advised them not to call and delete my phone, they stated my phone number was removed. On XXXX XXXX this company called again and asked me for my daughter 's social security number I told her that it illegal to ask a third party for personal information. I am being harrass by this company it seems they do n't want to delete my number from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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: OK

Complaint narrative:
I was contacted by portfolio Recovery Associates, or at least they claim to be. The lady claimed to be trying to collect a debt from XX/XX/XXXX. The debt was originally with, supposedly, XXXX XXXX. They stated that it was charged off in XX/XX/XXXX. And that portfolio recovery Associates picked up the debt. In XX/XX/XXXX, I pulled my credit report and with the assistance of a loan professional, I went in and paid off all debts on my credit report. At that time, if there were an outstanding bill from XXXX XXXX, it would have shown up on my credit report and it would have been paid at that time. I did tell the woman I was speaking with that I had paid everything off my report in XX/XX/XXXX. She informed me that this debt would not have shown up on my credit report, but that it was a debt and it needed to be paid. I told her that I did not feel comfortable paying a debt from XX/XX/XXXX and that I could not verify by looking at my credit report. She repeated to me several times that it would not show up on the report. I told her that just did not make sense to me. She stated an unfamiliar address, an apartment address. I have lived in apartments in the past, but I did not recognize that address. I told her that address could have been a made up address. She was unable to tell me the phone number that the bill belongs to. I told her that I did have a landline in XX/XX/XXXX, but in XX/XX/XXXX everyone basically had a landline. I told her that it did not make sense. Long story short, she repeatedly requested payment and said it was my debt. I told her that I did not believe that was my bill, it could not be verified, and that I was not paying her any money. She stated that she was going to notate that in my record, and to have a good evening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-25 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: NY

Complaint narrative:
I noticed a debt line on my credit report for a collection account. It apparently belongs to Portfolio Recovery Assets, with whom I have never been in contact with or know. I have no contracts with them nor understand who they are. I disputed the reporting on my credit reports, and their " verification '' was a printout that was illegible with what was supposed to be my signature. They have absolutely no proof that I have any account with them or how they came to the amount they claim I owe them. This is seriously impacting my life as it has ruined my credit. I want them to remove this from my credit report immediately and stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Audit Services, Inc
State: ND

Complaint narrative:
We have continually in writing asked for an itemized list of charges that supports the amount attempted to be collected. The itemized information given by A.R. Audit services from XXXX XXXX shows a total owed of {$3200.00}. A.R. Audit services is attempting to collect a principal balance of XXXX, along with interest and fees of {$160.00}, for a total of {$7000.00}. We have spoke with XXXX XXXX the original debtor of this account and they encouraged me to supply my own supporting information from my XXXX account documents. After completing this in writing, and over the phone A.R. Audit Services continues to try to collect the {$7000.00} without supporting documents. We would like to end this harassment and fairly settle our debt owed, but the actions of A.R. Audit Services and their attorney XXXX XXXX have prevented us from doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery Accosiates added an account to my credit file and I have no idea what this account is. I know this account is not mine and must be removed ASAP. I pay my bills, and I do not owe any money to this company or their client. This is a fraudulent collection and must be removed. The following information is all I have on this account. Please remove. 

Account Number : XXXX Amount Owed : {$720.00} Date Opened : XXXX/XXXX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 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: AZ

Complaint narrative:
This company created an illegal account under my name and they are reporting to my credit report affecting my score and my ability to obtain a mortgage loan. I called and spoke to XXXX different representatives and they keep telling me is a joint account. I called the original creditor for this account spoke to XXXX at the XXXX XXXX department. She verified that the account belongs only to XXXX and they do not have any record of me under that account. I called back the Portfolio Recovery spoke to a XXXX XXXX and he was not willing to research their mistake. Even Portfolio Recovery sent me a verification stating this account belongs to XXXX only and yet they created an collection account linking to this person collection debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I upgraded my credit card because of a XXXX bonus rewards offer if I met a certain spend threshold. I did meet the threshold well before the deadline, but I am told that I was not qualified for the offer. I upgraded my card by clicking on a link on the website that said I would receive XXXX bonus rewards. This is deceptive as I upgraded on the basis of the economics the bonus points presented despite a {$450.00} annual fee + {$170.00} supplementary card fee.

Company response to consumer: Closed with explanation