vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-04 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: PA

Complaint narrative:
Continuous calls from multiple numbers, for a debt that is over 13 years old, have been told repeatedly to stop calling, as this was settled with XXXX several years ago, continue calling all hours of the day and night

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I submitted a debt validation letter to credit collection agency PRA. They responded with XXXX statements both showing I owe {$XXXX}. So, of this is the case why is this on my credit report? This debt should be removed from my credit report but they claim these XXXX statements are debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: SC

Complaint narrative:
I had a XXXX XXXX card that was stolen. I contacted the company because charges had been filed on my card. The company refused to investigate the charges b/c they were made by someone I knew. Regardless of if I knew them the card was stolen and the charges were not authorized. The company refuses to investigate signatures, charges or any details. They sent the debt to a 3rd party collector without resolving my complaint. They also continue to contact me about a debt they refused to investigate. I also discussed with the company paying the debt that I was responsible for in return that they remove the debt from my credit report however they refused. They want me to pay for fraudulent charges that I did not incur and that they fail to investigate because it will be costly to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 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:
Portfolio Recovery is calling me for a fraud account that is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
From the onset the purchase with Toyota Financial Services, we were given bad service. We were invited to purchase a vehicle through their Bankruptcy Program for people who just filed. We were offered a a few vehicles that were not worth the amount money that they were asking for. We were also told that we were denied credit by all other lenders except for Toyota Financial Services, unfortunately, we received a few weeks later from XXXX XXXX stating that we were approved but we did not respond. So currently, after struggling with payments but attempting to pay them, I was finally able to pay in full an amount tom bring my account current. i made a payment on the TFS website and received the message that the payment was received. My husband called Toyota to confirm a few days later and was told that the we were all set and our next payment is due at the end of the month. On XXXX XXXX, 2016, I called Toyota because I noticed that called and was informed that they did not see the payment and it did not post and is still due. My husband was offered to pay our usual monthly amount ( about {$400.00} XXXX, but my husband insisted that they get to bottom of why the payment was not made. The manager was put on the phone and we were met with aggression and disrespect. She treated us as if we were playing a game and not trying to fix out account issue. So we hung up and called the bank who Toyota insists is the cause of this issue. When we returned the call to Toyota to get more information, we were placed on the repossession list and I was informed that it was effectively immediately. We requested for XXXX to XXXX hours to figure this problem out and fix it, but they refused and we are now losing our car when I clearly tried to make a payment. Their customer service, both at XXXX Toyota in XXXX and on the telephone at Toyota Financial Services, has been by some, aggressive, confrontational, and not a good representative of what a good car service should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am writing to submit a complaint about unfair credit practices by Toyota Financial Services ( TFS ). I have tried XXXX times, unsuccessfully, to resolve the matter with TFS and am submitting this complaint. 

TFS has filed derogatory and incorrect information on my credit report XXXX. TFS claims that my payment history is " XXXX, XXXX and XXXX, '' whatever that means. I *think* they are saying I had late payments, but even asking for clarification on what that means was met with resistance from TFS. In fact, when I questioned the meaning of that phrase, they took it to mean that I was acknowledging it was correct ( see the XXXX set of correspondence to understand what I mean ). 

The payment history TFS placed on my credit file is incorrect. TFS never XXXX sent me a letter stating my account was late. TFS made absolutely no attempt to cure any debt with me, until XX/XX/XXXX 2014 when I finally received notice from a collection agency that there was a due amount. When I contacted TFS, they removed the collection and accepted payment. They never, EVER, contacted me to inform me there was any late payment. ALL payment to this account was made under the terms of agreement with TFS and with XXXX persons on the loan. 

To summarize : TFS made XXXX attempt to notify me of any payment XXXX XXXX ) due. To claim now that there were late payments is simply incorrect and now they are damaging me credit. I have maintained a perfect credit rating my entire adult life ( almost XXXX years ) and am baffled as to why TFS is trying to XXXX over. 

I am attaching all correspondence between myself and TFS. 

I request that TFS remove all derogatory information on my credit report/profile. I was never late with payments and am being treated with disrespect. 

Best, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Fail to report the debt correctly to the credit bureau. They are reporting the item to all XXXX credit bureaus incorrectly and this is causing me to not obtain a mortgage. They reported to the credit agency 's on XXXX that it is an installment loan, another states that its closed, and the other open with the incorrect balance. The other issue is that I had autopayments setup with this company and they take the first payment then cancel the autopayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I keep getting a call from a company called Portfolio Recovery ( XXXX ). I have asked them numerous times not to call but they insist on arguing with me over the phone and stating that they will not stop calling. 

I am being harassed over and over and it is driving me insane. 
could someone please do something about this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27 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: CA

Complaint narrative:
" Contract was cancelled '' " NO CONTRACT '' The original creditor is XXXX XXXX and they are the collection agency. They wrote off the debt on their taxes which wrote off my obligation to pay. The contract I had with them was cancelled ; I no longer have a contract with them. The results to have them remove this collection debt off all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
My wife and I both checked our credit reports, as we periodically do. There are several accounts on each of our reports, listing Portfolio Recovery for XXXX XXXX debts. We have never received anything, in writing, from XXXX XXXX or Portfolio Recovery. We have, however, received threatening voice mails from Portfolio Recovery, which we know is part of a possible scam. With all of the scams out there, we will not pay anything over the phone ; and certainly, nothing that is n't owed. We each did have XXXX XXXX accounts, years ago, which were charged off in bankruptcy. We have never received anything in writing, regarding anything owed to this Collection Agency. We only have discovered these on our credit reports. Proper debt collection practices and laws have not been followed. I know this agency purchases debt from creditors, but debts charged off in bankruptcy? VERY suspicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10 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: AZ

Complaint narrative:
This debt was a result of identity theft my husband was a victim too. 
This debt is reported to my credit report as a debt in collection. 
When I called the creditors ask what is this about they claimed NOT to have me in the system as if I owed them anything. They asked was I married and I responded yes. My husband is the one who " they '' claim owes them this money. After never knowing about this till know we come to the conclusion we have been a victim of identity theft. My husband never opened an account with whom they claim he owes money to. When we ask to please remove this collection from my credit bureau they claim NOT to have linked my husband debt and my credit line. 
So why is this showing on my credit report. 
I want to resolve this issue ASAP, because I want to purchase a house before the market rises. I have NOT gotten the chance to do so because of this tangled web! 
Please help or fwrd my info to the right department. 
I truly appreciate all the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: AZ

Complaint narrative:
I have sent two separate letters to ask for verification of a debt. The collection company a letter stating they have acquired and now owns the account. I do n't have a contract with this company and its not my debt. I have asked for a copy of the credit card application with signature and still I have not received nothing from them. I sent them a letter in XX/XX/XXXX. They refuse to remove this from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 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: CA

Complaint narrative:
Portfolio is reporting negatve information on my credit report & I 've asked them to pleas eprovide verification that this account belongs to me. They ignored every request sent submitted. I first disputed the account with all XXXX credit reporting agencies. They reported it verified. I then sent requests in directly to them & they have ignored all my requests. The last letter submitted was dated XXXX/XXXX/2016. At this point this company is violating the FDCPA & FCRA. I would like the information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Toyota sent me a letter XXXX XXXX stating that they would remove negative credit reporting that occurred on my account in XXXX XXXX. I co signed on a car loan with someone and through no fault of my own the payments were late and I was never notified of this serious delinquency, until after the negative credit reporting already occured. Despite Toyota having my phone number and home address, they chose to send me a letter more than 2 months after the account went delinquent, thus not allowing me to speak to the cosigner, or if necessary make the payments myself to get the account current. Toyota gives me this letter, advising that they were removing the marker, but the marker is never removed and on top of that, they then report me XXXX 60 days, despite the letter saying that they were taking off the 30 day and that I had no other negative reporting. I have attempted to resolve this with them to no avail for almost 6 months, and they refuse to do what I have in writing that they said they were going to do. This have severly impacted my credit and I want them to honor what they said they would do in writing. This car loan is almost paid off, and it 's unacceptable that they send me a letter that says this, then refuse to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: FC HoldCo LLC
State: MD

Complaint narrative:
I am an admin at a company. The bill collectors call for a particular employee and asked to speak with him or his wife ( Who is not employed by us XXXX. I have explained to them that this employee is not reachable through the number they are calling, and asked them to end the collection calls at this number, but they continue to call. The callers also refuse to explain what company they represent, which makes it impossible for me to submit a written Cease of Communication. 
After a Google search, I was able to find the Credit Company online, and I will file a cease of Communication with them ASAP. That being said, prior to me sending the Cease of Communication, their tactics were harassing and unethical. 
The Company : Flagship Credit Acceptance XXXX, PA XXXX

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 2016-08-31 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: OH

Complaint narrative:
I was contacted by phone at work for a debt that I do not owe. I was contacted by the bottom feeder known as Portfolio Recovery Associates , LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
COLLECTOR SERVED FRIEND NOT ME IN VIOLATION OF FDCPA, WENT ONTO MY CREDIT AS AN INVALIDATED DEBT LISTING IN VIOLATION OF FCRA, MADE XXXX CALLS TO FAMILY MEMBERS IN VIOLATION OF TCPA! ( HAVE VOICE AND RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
LTD Financial Services ( the same company I filed a complaint against noted in complaint number XXXX ) continues to contact me. They responded to the former complaint and informed XXXX that they have stopped collection activity. LTD Financial Services has since sent me a letter dated XXXX XXXX, 2015 ( see attached ). As I 've noted in the prior complaint, I contacted XXXX and confirmed they are not pursuing recovery. In addition, the information provided in LTD 's former letters is not valid contact information for XXXX. I also note, the XXXX XXXX, 2015 letter has a different telephone number than their previous correspondence to me however the letterhead has the same address and fax number. When I called to inquire why is LTD contacting me. The representative ( XXXX ) attempted to collect verifying information such as my SSN and date of birth before she would proceed with the call. I advised I would not provide that information however she was persistent requesting the information and would not respond to my question, why were they contacting me. I advised I would be filing another complaint and terminated the call. 
LTD alleges to be collecting on behalf of XXXX. I previously spoke with XXXX and they have confirmed they are not collecting a debt. 
This appears to be a company phishing for information and they do not legitimately represent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call up more then 10 times a day at times then hear nothing then starts again from at least XXXX different numbers Ive blocked so far. The medical debt WAS paid by the VA and its well known that the Hospital must accept what has been paid. They are still trying to collect a debt from XX/XX/XXXX-XX/XX/XXXX My husband is a XXXX Veteran with XXXX XXXX, XXXX XXXX. XXXX XXXX and the list goes on and they call and it makes him so hard to handle with the way they talk to us and Threaten us with arrest, etc. Then he usually has a XXXX because they set it off by their calls constantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I have disputed the credit account multiple times and the account still remain on all XXXX of my credit profiles. I have also obtained a police report stating I was a victim of identity theft. I have asked for this account to be removed numerous amounts of times but to no avail. Please help me remove this inaccurate information from my credit file as it is affect my life as well as my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Received a notice in a name similar to mine that I owed {$290.00} to XXXX XXXX XXXX XXXX. I have no outstanding or late debts and am not familiar with this debtor. Company that issued the letter has many XXXX complaints and according to internet posts harasses people. I tried to call them and report the error, but they only accepted calls from XXXX other states. I think this is a scam to extort money from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The balance from the Docs sent me as of XXXX/XXXX/2016 {$5600.00} in on XXXX XXXX I made a payment of XXXX dollars and today another payment of XXXX dollars, however since i received no statement in the mail I called today to inquire of the balance and was told that after today 's payment of {$500.00} the balance was XXXX dollars, clearly something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I have had an American Express XXXX card for many years. The traditional XXXX card does not have any interest or service charges if paid if full each month. I use the card daily for every day expenses and pay the card balance in full each month. Recently my husband and I remodeled our home and decided to defer some of those expenses by using the " Pay over time '' option of the card. Today I wanted to pay {$1000.00} directly to this portion of the card to reduce the balance that is being charged a finance charge. When I called AMEX to do that I was told that any payments are first applied to new charges ~~ which means it would be applied to charges already made but not yet on a statement to pay. Not allowing me to pay directly to this line of credit to reduce the amount being financed seems totally unfair and as a consumer very abusive. I asked for a supervisor and was told the same thing. The only way to pay off this balance is to basically not use the AMEX card so that all payments go directly to the pay over time portion, which is at 18 %... 
I filed a complaint with AMEX but expect no response from them. 

XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express phone application omitted many key elements of the terms and conditions when applying. 

1. They did not inform me of the balance transfer terms and limits while making the application. 

2. They could not tell me at what point in the application process that my credit was checked, so I had no way of knowing when to cancel the application. 

3. They could not tell me the amount of credit I was issued, however wanted me to transfer balances immediately. 

4. They attempted to charge me a XXXX % balance transfer fee when I called in, regardless of the sole purpose of the card is a XXXX % window for transfers within the first 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
The collection company by the name of " MCM '' or " Midland Credit Management , Inc. '' has been threatening to sue me for debt that is way past my states statute of limitations. I wrote them a letter to stop harassing me or I would take further action. They ignored me and sent me another letter. I am now contacting the CFPB for their assistance to help me get these leeches away from me.

Company response to consumer: Closed with explanation