vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: F.H. Cann & Associates, Inc.
State: WA

Complaint narrative:
They sent me a letter threatening to take legal action against me if I did n't take action to pay off my student loans so on Friday XXXX I spoke with a lady from FH CANN I told her that I was already doing a loanRehab with XXXX through the Department of Rd she ask me what was my payments and I told her {$5.00} a month and she told me that {$5.00} was n't feasible for them and they will need more money than that she was so rude about the situation and also I would Like them to contact me only not my job

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

Complaint narrative:
Received this phone number XXXX 2015, Started receiving calls from Portfolio Recovery soon after looking for a XXXX. I informed them several times XXXX no longer had this number but keep receiving phone calls after they promised to remove number. They are still calling!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates is showing they are a factoring company on an old debt which they are not as well as they are trying to show revolving account with past due monthly payments being missed which collection accounts can NOT do. Filed a complaint with the PRA ombudsman as well with no luck. Illegal and shady practices by PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 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/15 I requested Portfolio validate an account appearing on my credit report. They have yet to respond to the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
My wife notified Portfolio Recovery Associates , LLC via certified mail to stop contacting us about a debit that is over 10 years old. We then received a letter from them ( attached to this complaint ) demanding that we provide them with her tax payer ID as the XXXX regulations ( unspecified ) requires them to provide that info to the XXXX. I do not believe that this is true but as they are indicating in that letter than we might be fined by the XXXX up to {$50.00}, I wanted to check and be certain before I provide her SSN number to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This dispute is in reference to judgment file # XXXX in the amount of {$6000.00} which was paid off XX/XX/XXXX. On that date XX/XX/XXXX I attached payment documentation along with the final payment, sent in a certified package XXXX. XX/XX/XXXX I talked with XXXX and he inform me that there was an outstanding balance in the amount of {$4100.00}, after talking with him for several minutes he then said the balance was {$500.00} which I told him it was incorrect and the balance was {$0.00}. XX/XX/XXXX I call their office again to see if they had corrected my account I talked with XXXX XXXX and then transferred to XXXX XXXX who informed me that they were still investigating matter, my response was that you have had over 30 days to investigate this. XX/XX/XXXX I talked with XXXX XXXX she said the balance on the account was {$120.00}. which was because of the money order dated XX/XX/XXXX could not be account for, so I call the money order company and confirmed the money order was not cashed. I call XXXX XXXX back the same day and informed him the money order had not been cashed. I also informed that the issuing company was only going to replace {$100.00} of the money order due to the age of it. She said they would absorb the {$20.00} and to just send them {$100.00} which I did XX/XX/XXXX. XX/XX/XXXX XXXX sent me a letter stating that my current balance on this account is {$3800.00}. I have all my payment receipts which total the amount owed. I would appreciate any assistance you can give to help resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 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: FL

Complaint narrative:
I 've disputed this account, and asked for verification multiple time in the past 6 months. To this day, Portfolio Recovery Associates has failed to deliver validation of debt. The only response that I received was the deletion of Portfolio Recovery Associates trade line from the XXXX credit report. By the removal of this trade line from my XXXX credit report this has set a precedent that Portfolio Recovery Associates was unable to substantiate this claim of debt and therefore removed it from the report agency. 

This account is further negatively affecting my credit report and score due to this company 's inaccurate reporting. I am requesting the full deletion of this account as a result of Portfolio Recovery Associates not lawfully validating this debt after a substantial amount of time to do so and by the precedent set by the company in the removal of the trade line from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 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:
Willful non-compliance as per FDCPA XXXX. False or misleading representations XXXX XXXX XXXX On XX/XX/XXXX I wrote to Portfolio Recovery to request validation of a debt they claim I owe {$1100.00}, and I formally disputed this claim. I not only disputed their claim but requested my signature as validation of this debt within XXXX days of receiving my request. They not only failed to provide me with validation they continue as of today XX/XX/XXXX to still report to the credit bureaus which has been detrimental to my credit score for a debt that they are unable to validate as mine. I sent a second letter on XX/XX/XXXX to which they responded that they would no longer respond to me and would continue to report the debt as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
I have been requesting a mortgage pay-off for the last 4 years but the lenders involved have not provided one for me. They submitted a pay-off in 2014 with the amounts they say are owed but the figures were not correct ; they lumped everything together and wo n't separate the amounts. There are monies I 've paid that are not reflecting on the pay-off they provided in 2014. They have kept my house in foreclosure for seven years and I have submitted modification packets 30+ times but they say they have not received all of my documentation the 30+ times I have submitted it. All I need is a correct pay-off with the lumped amounts separated so I can refinance with another company since it is evident, after seven years, they will not do a modification for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 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: AL

Complaint narrative:
An acct was opened in my name with XXXX XXXX. Once I discovered this, I informed XXXX XXXX that it was not my debt. The account was charged off at some point and removed from my credit file in XXXX XXXX. I received a notice from Portfolio Recovery Services on XXXX XXXX, XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files in XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. Portfolio Recovery Associates only sent me a collection letter and a XXXX XXXX statement from XXXX as verification on XXXX XXXX, XXXX. Which is not validation of this debt. I responded to their letter on XXXX/XXXX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates is engaging in flagrant violations of the Fair Credit Reporting Act by continuing to report a debt and derogatory mark that they had agreed to delete from my credit report. They deleted the derogatory mark from the credit report on XXXX. However they have not deleted the derogatory mark from XXXX or XXXX. Portfolio Recovery Associates is engaging in unfair and deceptive business practices and is flagrantly violating the Fair Debt Collections Practices Act and Fair Credit Reporting Act. Portfolio Recovery Associates is engaging in retaliatory and illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Hello, Last year around XXXX I requested a due date change. The first attempt was unsuccessful, and prior to the second attempt Toyota asked that I bring my account current, so I did. A Toyota representative said the due date was completed, so I started making my payments accordingly. It was n't until mid 2016 I saw that I had 3 late payment markers. I immediately called Toyota and their resolution specialist walked me through every payment from the beginning. We found out that Toyota failed to mention that the due date change did n't take effect. So I wrote Toyota twice. They denied me twice. Toyota does n't have a number to call to talk about your claim. I 've tried explaining what happen in a letter and again they denied me twice. And because they did n't tell me the due date change did n't take effect, I do n't have access to their personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery is constantly calling me multiple times a day. I 've had days where they call me a minimum of XXXX times. They use different numbers from all over the United States. I block XXXX number and they call me a little later from a different number. They call me on my cell phone using tons and tons of numbers every day of the week. They call my house phone every day of the week at least 3 times a day. There is no rest from them whatsoever and it 's harassment at this point. I do n't even know what the supposed debt is. I know I have debt but I do n't remember ever being told what debt this is. They call and never leave voicemails. I search the numbers and find out it 's them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14 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: MI

Complaint narrative:
Portfolio Recovery Associates repeated calls my home telephone without leaving a message and after a cease-and-desist letter was sent. A certified letter with return receipt was receive by them on XX/XX/2015 to cease calls to my telephone. On XX/XX/2015 @ XXXX I received another call from them. This call became illegal the moment they dialed the number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 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: VA

Complaint narrative:
Portfolio Recovery Associates have XXXX accounts in my name that are old - and if I did owe the debt was covered by a Chapter XXXX of mine. But they say I owe money on XXXX accounts but can not verify how I owe the money. I have asked for verification and a bill of particulars which that have never provided me in my local district court. Also I have called to handle the dispute - no one will give me a fax number or email address. I have been getting the run around on debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I attempted to settle a credit card debt 3-4 years ago. I negotiated with a company trying to collect and the settlement never occurred. Since then several different companies attempted. Portfolio calls on Sunday morning-evenings, several times before XXXX XXXX and after XXXX XXXX. One month they called between 8-12 times a day for over a month. My phone records can verify this. 
This company never leaves a message other than its name. They sent XXXX notices of repayment after months of annoying, continuous phone calls. They are relentless with no respect for the time of day or night or day they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
it is portfolio recovery. I have asked them to stop calling me and the calls continue and the debt has not been proven to me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 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: NJ

Complaint narrative:
This collection company continues to misrepresent the age of this debit. This account initially was delinquent with XXXX in XXXX. They are reporting that the debit was from XX/XX/XXXX to XXXX. XX/XX/XXXX I have a statement that represents that at was at the very least 6-month delinquent. They are not reporting an initial account date with XXXX just that this debit was opened with them in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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: IA

Complaint narrative:
I received a letter from a debt collector claiming to be collecting the debt on a credit card that they suppose I have, however I do not have said credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I had to put a call blocker on my cell phone because they call XXXX times in XXXX minutes. They will not disclose who I owe or how much I owe and say they will send someone to arrest me. So I put a block on the phone so it will no longer ring into me. On a typical day I get around XXXX phone calls from them. I can see the number on the call block list. If they are not going to disclose information why should I? I have only read bad things about this company and do not want to give them any personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
My car was almost in repo from Toyota financial. I talked to a supervisor and he agreed if paid 1 month XXXXto would come out of repo and I could pay the next month at a later date to get it caught up. I ended up paying 2 months through their automated system with a checking account. They can see the payment was set to go through on the XXXX but it came back as u sufficient funds. I need up putting in the routing number, account number but added the check number not realizing your not suppose to put the cHeck number as well. I have the money to catch up the car but they repoed the car today at XXXX. Beyond never told me the payment did n't go through or there was an error.. they refuse to let me pay the car to date and get it back. They want the car in full. It ws a typical error and they know I have the money. So they say they will sell at auction and I 'll owe the money.. why ca n't they take he money to catch it up if I have it and they know that? I do t want to owe money on a car that I dono havem. Both partied will lose money if they do it that way. Not right to efuse money when they know I tried to pay and I told them I have all the money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 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: CA

Complaint narrative:
Hello, I would like to draw attention towards Portfolio Recovery and how they have hounded my cell phone voicemail with unnecessary and bogus voicemails with machine robots regarding a XXXX XXXX debt i supposedly owe. I have notififed XXXX XXXX and XXXX XXXX that there was fraudulent activity on my account and that the charged were not made by me. Portfolio Recovery refuses to acknowledge anything I am saying and they continue to tarnish my credit report and attack me and I feel abused and isolated by them. They send me scary letters and keep updating my credit report with false information. I have already frozen all XXXX of my credit reports due to check cashing fraud down against me in XXXX of 2015. My identity was duplicated for some time under a false address and I was unaware as charges lingered. I have been forced to seek bankruptcy counseling and I have no connection to this XXXX XXXX debt that Portfolio Keeps stalking me about. XXXX XXXX is aware of the fraud against me and have closed out my account and I believe that this company is ignoring the FDCPA laws and the FCRA laws and are not verified or dfdeting this fraudulent account against me in order to scare me or hurt me. I would like the CFPB to know that they utilize robotic dialing at XXXX hours and have denied it when I have sent them certified letters asking them to STOP! I do not owe this debt and they have NO right to display ANYTHING under my social security number or on any of my XXXX credit reports! Please have them STOP an have the LEAVE ME ALONE! I have tried fighting this fraudulent account with the XXXX credit bureaus but they all have supposedly verified it and yet U HAVE NO PROOF of an investigation, the results i requested or any ducmonotaion which I forwarded regarding my identity theft was submitted to XXXX XXXX or Portfolio. I am sick and tired of this company abusing me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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: SC

Complaint narrative:
Im seriously frustrated with both Portfolio Recovery and Experian because i feel like they violated many of my rights, and are working together to damage my character. They 're making it hard for me to become credit worthy by not following the FCRA & FCDPA guidelines. First they kept calling everyday, to the point i had to change my number, ive been disputing this account since XX/XX/2015, ive asked for them to validate the debt they claimed i owed, which they failed to do that three times, sending me identity theft forms instead of proof of validation. They continue to report the debt hurting my credit after i sent them XXXX letters, & disputed it with the credit bureaus. I want those XXXX accounts removed! They failed to validate the debt a long time ago, and continue to report it knowing that they 're violating the FCDPA. Remove these items now, or i will escalate all matters with my attorney!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
NOTE : I am submitting the news release " tip '' info going to major media sources today. Citibank is still cheating credit card holders, now with their " Deals ''. 

News Release : After reading about Citibank 's XXXX XXXX " largest ever '' fine by CFPB today, it seems the abuse has not ended. I am a victim today of the Citibank " points '' deals. I booked XXXX rooms in XXXX Arizona on XXXX/XXXX/15 and had to use my Citibank credit card. 

The charges were {$100.00} and XXXX. Then, I did everything I was told to do when I checked. I showed my XXXX reservation slips and reservation numbers to the merchant motel office employee upon check in on XX/XX/XXXX. 

Upon checkout on XX/XX/XXXX he again charged {$91.00} and {$94.00} for the XXXX rooms, using as instructed the Citibank CC upon check in. The total charges are amounting to XXXX charges for {$400.00} for XXXX meager motel rooms for just one night. 

Since the motel exposed their " true '' pricing with the lower figures, the Citibank " Deal '' is no deal, just a rip off. On top of that, they refuse to reverse or refund on the higher charges. 

Also, their online software allowed XXXX dispute but will not take the XXXX dispute on the higher amount. Also, the one that allowed said it was issuing a temporary credit. But in 24 hours, no such credit was applied to the online balance. 

Let America know about Citibank " Deals ''. They are " No Deal '' as I have found out. How many more get abused each day by them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief