vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-09 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: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
A settlement was agreed upon, and immediately paid. Upon checking my credit report, the debt is still listed as unpaid ( two months later ). Not only this, but when I stated that I was going to pay the settlement, they tried to claim that I stated I would pay in full, and would not accept the settlement. Countless calls led to speaking with a supervisor (? ) who finally came to another ( more expensive ) settlement that I agreed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 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: Pinnacle Credit Services, LLC
State: PA

Complaint narrative:
I have contacted Pinnacle Credit Services regarding this. They refuse to speak to me and instead refer me to a third party that refuses to provide documentation on this " debt '', instead choosing to be rude and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: ATG Credit, LLC
State: CA

Complaint narrative:
This company named ATG Credit has been calling me, they also put some information on my credit report. The person i spoke to yesterday was very rude, and she asked me why was i calling this company. She said the company had been calling me since XXXX. so i knew the reason. I asked her why did the company put some information my credit report before they knew if they had the right person. I asked her to send me some information on this bill, because i have no information, and i do not know anything about this company. She said she was going to put down that i refused to make any payment, and hung up. I called back and spoke to some else to complain, asked them to send me a copy of the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 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: NC

Complaint narrative:
Someone from my past, 20 years ago, used my old address and name and made purchases through a sales book and it has come back to me. I havent lived in va for 14 yrs. 
I never received anything from this company. 
They should never send out mail with pre-approved credit for someone to take advantage of. Now i, m paying for it with being called twice a day and my credit ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I have repeatedly asked XXXX XXXX and XXXX to dispute the validity of this account but this creditor ( Flagship Credit ) formally ( XXXX ) says that its my loan. Ive stressed many times that this does n't belong to me and have asked for loan documentation and a letter of validation to only be told it was sent and it cant be sent again, I ask where was it sent to and they cant say.

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 2015-06-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I settled XXXX law suits with Portfolio Recovery ( PR ) PR was reporting open collections XXXX XXXX XXXX XXXX XXXX Although these accounts have been settled in full PR is continuing to report XXXX collections as open to XXXX. I called PR several times and was told, send a credit report to verify this, your problem is with XXXX file a complaint we do not know who the CFPB is. Essentially they used abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I was financed by Toyota financial services XXXX@22.9 % interest my credit score at the time was XXXX and so was my cosigner low XXXX 's. the terms of the loan were for 60 months, I asked for a simple interest loan. I was told if I paid early my money would apply towards the principal balance, that did not happen, all my payments were applied mainly to interest and a very small portion to principal. During the course of my loan I did take XXXX deferments with the understanding that they would be added to the end of my loan. So my maturity date would have been XX/XX/XXXX but it ended XX/XX/XXXX. 
So each month I was paying a little more than the balance due to help prevent further interest charges, but I did not see any benefit during the life of my loan. 
Every statement did not have any late fees or " other charges '' due on my statements, then I look at my final payment on XXXX/XXXX/16 for {$3900.00}, I was appalled. Where did those charges come from? 
I inquired with Toyota Financial and they advised it was from my XXXX deferments, and interest during that time. 
{$3900.00} in interest and fees? That is unfair, unreasonable, deceptive and predatory. 
I have asked three times for my payment history and have not received it. 
I took out a loan to pay my final payment of {$3900.00} because I did not want my account to charge off or to not receive my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: LA

Complaint narrative:
Upon becoming a member with the naca organization my realtor was aware of homes i could afford. While viewing homes i was informed i that i was eligible for a home that was shown to me. I then proceeded to the next step which was paying the expense of all inspection cost. Which came out to be a total of {$640.00}. A break down of {$320.00} towards building inspection, {$220.00} towards plumbing inspection, and {$95.00} towards termite inspection. With such disappointed, shortly after i was informed by XXXX XXXX XXXX that i could not be approved for that home. I also inquired about receiving a refund of my membership fee of {$30.00} dollars.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: AZ

Complaint narrative:
This is a complaint from XXXX against Portfolio Recovery for Portfolio 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Portfolio has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

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: False statements or representation — Impersonated an attorney or official
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Harassing phone calls XXXX times a day. 5-6 days a week. When we answer they hang up. I attempted to call them to find out why they keep calling and when I ask them to disclose reason for their call they hang up on me. They also refuse to answer my questions as to their purpose of constant harassing calls and refuse to answer my questions when I ask what the matter is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Weeks of repeated robo calls that hang up after XXXX rings or when answer machine answers. A message asking to return the call or any message is never left. The calls come through using XXXX different caller id numbers. Violates Fair Debt Collection Practices Act 806 XXXX 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. " No one here has any debt that is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a phone call at my employer from portfolio recovery on XX/XX/XXXX at XXXX. I told them that I work at a XXXX and it was very unprofessional to call me here. I asked them put my employers phone number on their do not call list and asked them to not call my employer again. On XX/XX/XXXX at XXXX I received another phone call from them at my employer 's and then another phone call from them on XX/XX/XXXX at XXXX. I took a picture of the caller Id showing both of these violation calls. I called them back on XX/XX/XXXX at XXXX and told the rep that I have received another phone call from them and he said that his notes show my request for my employer 's phone number to be removed on XX/XX/XXXX and that I should not be receiving phone calls to this number. He acknowledged the XXXX violations from the company and gave my his supervisors name and phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Allegedly Portfolio Recovery Associates claims they have sent me notifications in the mail about a debt that happened 9 years ago, I have n't received such notifications. They have started calling me while I am at work. Once on XX/XX/2017 at XXXX EST and once on XX/XX/2017 XXXX EST. I then called back and asked if they would stop calling me until after XXXX, the woman on the phone was persistent about the debt, and would n't let me speak. Things escalated and the conversation was getting heated until I pleaded that they contact me after XXXX, she rudely agreed to and sarcastically wished me a nice day. 

I am concerned they have my work number and not just my cell phone number. I want this to stop before it turns into full on harassment. I intend on sending a cease and desist letter that states my rights under the fair debt collection practices act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 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 AGRESSIVELY AND IN A THREATENING MANNER HAS COLLECTED FROM ME FOR THE XXXX ACCOUNTS THAT HAVE BEEN SETTLED IN FULL WITH THE ORIGINAL CREDITOR ... EVEN AFTER PAYING THEM AGAIN TO MAKE THIS GO AWAY THEY ARE STILL CALLING ME AND THREATENING TO ARREST AND TO GARNISH WAGES AND THEY ARE DENYING THE RECEIPT OF ANY PYMENTS.. WHERE DID MY MONEY GO? ..ISNT THIS ILLEGAL PLEASE MAKE THEM TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
The company called up and said they were an 'investigator ' and needed to discuss my court date over their legal pending action against me. As I just received my credit report and know there is nothing on it the company is clearly trying intimidation tactics to collect old noncollectable debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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: GA

Complaint narrative:
Collection agency is the third party. Thbis account was with XXXX XXXX XXXX, I called XXXX XXXX XXXX and they informed me that my account was deleted from XXXX reporting credit agencies, however Collection agency took this account and reported to my credit bureaus withot verifying the debt as required by FDCPS. I called and asked the collection agency to provide me some information to validate the debt and they have not validate it as yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
This corporation unjustifiably has turned negative information into the credit bureaus on my husband and I ruining our credit. Credit Snowball affect occurring. My husbands truck was totaled on XX/XX/2016. Our insurance company paid Toyota Motor Credit on XX/XX/2016, Gap insurance paid balance on XX/XX/2016. Received bill for payments past due XX/XX/XXXX totaling {$990.00}. Called and was advised that I did n't have any payments past due, but did owe {$1000.00}. I asked what for and was told XXXX different reasons from XXXX different people. Panicking I just paid it without understanding what it was for. NEVER RECEIVED A BILL FROM THEM FOR THAT AMOUNT. I 'm assuming it 's for my insurance deductible. This corporation has ruined my husband and my credit!!!! UNACCEPTABLE!!!!! If at ANY point I owed them money I would have paid it!!!!!!! I have everything documented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 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:
They call over and over again, back to back and for hours on end never leaving a message. I only figured out who it was by looking up the number. If you do answer they are rude and abusive

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: FL

Complaint narrative:
30 days late assesd to account ( car was refinanced ] XXXX/XXXX/15 ccheck XXXX check XXXX payment XXXX file closed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
asked to remove inquiries off my report

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 2017-02-27 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: KY

Complaint narrative:
Flagship Credit acceptance, XXXX XXXX, left a message on my phone for one of my employees threatening to take legal action through our Judge Advocate General 's Office. I am under the impression that creditors are not allowed to contact an employer to discuss a loan or to make threats of legal action.

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 2016-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
I received another call today from F.H. Cann after having submitted a previous complaint against them. They were supposed to have put my phone number on a do not call list, yet I am still receiving calls from them. I do not owe any money and only started receiving these calls from debt collection agencies when I got my new cell phone ( XXXX XXXX ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
Harley Davidson Finance AKA XXXX XXXX is not computing their so-called simple interest contracts using the same formulas which change month to month in order to charge more interest to consumers. 
Additionally, XXXX is holding payments from consumers and posting them later in order to collect a larger per diem interest rate which makes them more profits and lengthens contract terms to their benefit. It also costs consumers more over the life of the loan in interest. 

My billing on XXXX/XXXX/15 based on my interest rate of 12.99 which is basically legal loansharking which SHOULD account for a reduced daily per diem because of a reduced principal balance per the statement states:XX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal : $ XXXXXX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal $ XXXXXXXX claims although the daily per diem interest costs should decrease my interest costs have increased which is the opposite of how so-called simple interest loans operate. 

Basically, XXXX contracts need an audit from your agency because this affects XXXX loans & consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 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: VA

Complaint narrative:
I was told that I would be garnished and taken to court if I didnt make payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery Associates failed to provide me with a copy of any original documentation for example, a consumer contract with my " wet-ink '' signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section XXXX ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 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:
I have ben receiving calls from Portfolio Recovery saying they were representing XXXX XXXX Bank on a debt that I supposedly owed from 2000. I do not recall this debt and if I had this debt, it has been 15 years. I have been receiving harassing phone calls day and day out from all kinds of numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 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: AZ

Complaint narrative:
This company is reporting an incorrect status on my credit report. This account was obtained by Portfolio Recovery Associates XX/XX/XXXX and has since been reporting as an open and revolving account, even though it is a collection account. This company is updating my as a charge off on credit report every month making it appear that I am getting a new charge off/ late status on my credit report every month. After paying the company my debt owed in XX/XX/XXXX the company again updated the account as a closed charge off, and left a years worth of late payments on my credit file. I have tried to ommunicate this error with the company directly multiple times, and the company only ever says they are reporting correctly, and that is is the credit bureaus faul, which is incorrect. A collections company should not be reporting a charge off status as they were not the ones who extended the credit to begin with, and they should ot be reporting as a revolving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates called my XXXX about a " debt '' from 2003 of XXXX trying to get information like where I lived, my social security number, and where I work. They should not disclose personal information to other people about an XXXX year old debt especially.

Company response to consumer: Closed with non-monetary relief