vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery is a junk debt buyer XXXX XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They have placed collections for 2 accounts on my CR and are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. I have never had a contract with PRA! Case law has established that when a party purchases a delinquent debt, they are considered a debt collector, and thus subject to the FDCPA! 

I request that Portfolio Recovery verify the following information. 
1. Full original Account Number ( XXXX ) 2. Date XXXX s XXXX original Account XXXX XXXX ) were opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any communication made to me before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all CRAs immediately and not sold to any other debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 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: TX

Complaint narrative:
The debt, XXXX account was settled and paid with a collection Agency, in XX/XX/XXXX and XX/XX/XXXX, with confirmation numbers and check numbers. I have sent this information to another agency who is trying to collect on the debt, each time I call to verify it 's been taken care of and collection attempts to stop, I keep getting information that is incorrect. The original debt collection agency was XXXX XXXX. I was told on more than XXXX occasion that they could not give me any information because it was archived and they gave me other phone numbers to call. XXXX was the original credit card company and when I called their number the recording stated that they were not taking calls at this time. This was on a Thursday, before XXXX CST. Finally I was able to get in touch with their dispute department, via internet and email, I did get a response that the debt was paid in full along with the account number. I am still having issues with the NEW Collection Firm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 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: AL

Complaint narrative:
Portfolio continues to report a balance to my credit report ( see attached ) for a credit card debt that was settled in full in XXXX XXXX ; I have disputed this both with the credit reporting agencies and directly with Portfolio ( see attached ) with no response and no action to correct this violation of the Fair Credit Reporting Act ; further, per FTC Opinion Letter ( FTC-Cass Staff Opinion Letter, XXXX XXXX, XXXX, " ... we believe that reporting a charged-off debt to a consumer reporting agency ... constitutes " collection activity '' on the part of the collector ... '' ), the reporting of this balance is a collection activity for an account which has been paid which is a violation of the Fair Debt Collection Practices Act and other federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XX/XX/2016 I contacted Toyota Financial to see if I could have my XX/XX/XXXX payment moved to the end of my contract. They disclosed that I had to pay all late fees which I did. They sent me a loan agreement that stated the payment for XX/XX/2016 had been moved to the end of the loan contract. On the same document that I signed, it disclosed that the next payment amount was @ {$280.00} but I paid {$300.00} on XX/XX/2016. Now they are saying that I owe more than the one payment that I am past due. Because of financial hardships caused by a house fire, I missed the XX/XX/2016 payment, however, I should only show past due for@XXXX but Toyota shows @ {$1300.00}. I believe that they are doing this as a scare tactic so that they may take my car from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have a a unverified account from PORTFOLIO RECOVERY # XXXX, # XXXX # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, If PORTFOLIO RECOVERY think I owe the a debt then send it to me in writing. I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY Provide verification of the following : 1. ) Original date of default and collection activity begin 2. ). Whether you purchased the debt, and if so, the amount paid for the debt 3. ) The date ( s ) the debt allegedly accrued ; 4. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Do not ever call my phone XXXX if I ever gave permission in the past I am revoking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XXXX XXXX, XX/XX/XXXX, First Niagara Bank sent me an E-mail to my employee E-mail account, requesting I provide them with a signature card for my employee checking account. This had caused me alarm as I had already provided them with said item on XXXX XXXX, XX/XX/XXXX. When I had expressed my concern that a document containing my signature and account number had gone missing which could possibly compromise the security of my account and information, and that I would have to possibly close my accounts for security reasons, I was terminated from my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 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: FL

Complaint narrative:
I have XXXX debt from this agency on my credit from them this is n't mine from 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Continuous calls from XXXX XXXX, and Portfolio Recovery. They have never sent letter describing what calling for. I owe no debts that are n't Time barred. Therefor they are trying to collect on time barred debt or false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Asset Recovery Solutions, LLC
State: VA

Complaint narrative:
Debt collector from Asset Recovery Solutions , LLC stated that his company represents a legal firm and that my debt was in pending litigation. I did state I 'm having financial difficulties. I am willing to establish a payment plan. However, he wanted me to pay NOW {$250.00} to secure the " payment '' agreement with a credit card. I told him I could n't do that. He suggested I borrow the money. The Debt collector stated that to get it out of litigation I would need to make a payment immediately that would put the debt back with him and not with the law firm. He told me I had a week and if I did n't make a payment before then it would go back to the lawyers.

Company response to consumer: Closed
Consumer complaint received 2016-11-06 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: CA

Complaint narrative:
I paid {$3600.00} towards a credit card ; in which my ex-wife had in her possession, charged to the limit and stopped paying. The cashier 's check is dated for : XXXX XXXX, XXXX. This account was awarded to her in the divorce, however, she did not take the judgement serious. Because the card was in my name, of course I had to make good by it. 

Once this account was paid in full, not too long after ; the account was removed from all XXXX credit reporting agencies. In looking at my XXXX report dated : XXXX XXXX, XXXX ; Portfolio Recovery Associates added this account back on my XXXX credit report on XXXX XXXX, XXXX ; it states it is paid ; but it is still affecting me. Also as of : XXXX XXXX ; the 7-year diary has been reached and this account should not be on any of my credit reports. 

I have contacted Portfolio via email on : Twice, disputing their letter written to me on XXXX XXXX, XXXX. Both emails are dated : XXXX XXXX, XXXX, I also sent the emails to them by regular mail. I have not heard back from them, nor have I heard back from XXXX, in which I mailed them a letter on : XXXX XXXX, XXXX ; disputing this same account and asking why, once the account was removed, how did it get added back on my credit report???? I disputed the fact that they have this account on XXXX, stating it is paid, but they are refusing to remove it. It is not legal for a company to remove an account off of a report and then because they feel like it, add it back on ; without my knowledge and even after it was paid in full. Please help me with this issue. I want this account removed ASAP,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio recovery has contacted me several times a day on phone lines I 've told them there is no permission to contact me on for months. Each time I 've told them to submit everything in writing so i can verify who they are and possibly dispute the debt and each time in told they do n't need to. I 've told them to stop calling and I 'll receive another call right after on another line. There was a time they called every hour..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery keeps calling using so far XXXX different spoof phone numbers with different state area codes. They usually hang up as soon as I pick or wo n't leave a voicemail. I am not sure what debt they are calling about but I am feeling harrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio is reporting an erroneous debt on my credit file. The debt is not mine and I filed a police report back in 2010. They have never been able to prove to me that the debt is mine, they have nothing signed by me. The debt is past the statute of limitations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NM

Complaint narrative:
I was sold a car that I was told I could afford. I was told my monthly payments would be {$300.00} a month and now I pay {$100.00} over what I was promised. I wanted a simple car and was sold a car that has so many features that I do n't know what they are for or do. I am not educated and I am older so I was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
I set up a recurring payment on my auto loan that was set to withdraw my monthly payment from my bank account on the XXXX of each month beginning XXXX XXXX 2016. Toyota Financial began withdrawing money on XXXX XXXX 2016, which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
My Name : XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, New York XXXX Phone : ( XXXX ) XXXX Social Security Number : XXXX Toyota Motor Corporation Credit Company Account Number XXXX The late payment reported by Toyota Motor Credit Corporation on my credit reports are from 7 years ago in the year 2009. 

According to the Fair Credit Reporting Act ( FCRA ) U.S. Code Title 15 Chapter 41 Subchapter III 1681c ( Requirements relating to information contained in consumer reports ) this item must be removed from my credit report. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX U.S. Code XXXX ( c ) RUNNING OF REPORTING PERIOD ( XXXX ) IN GENERAL The 7-year period referred to in paragraphs ( XXXX ) and ( XXXX ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX I am requesting this item be removed to correct the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 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: NJ

Complaint narrative:
Portfolio XXXX is trying to collect a debt that I do not owe. If I ever owed it, it is beyond the statute of limitations in my home state. Additionally, they have begun to call my wife and told her that I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Keeps calling day and night from many different phone numbers, always 'spoofing ' my caller id. Its getting beyond XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
They contact me on my home phone but phished for my cell phone number and have been calling home and cell. I specifically asked the first agent to no longer contact me on my cell phone but to call me on my home number. I want to know how I could send a cease and desist from contact letter. They also contacted numbers on my contact list for the creditor XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery is trying to collect on a debt for XXXX XXXX and I have NEVER had a XXXX XXXX account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I had a lease through Lexus Financial Services ( LFS ) for a XXXX XXXX XXXX ( payments on that vehicle were made via auto-pay ). This past XXXX, I returned the XXXX vehicle and then got a new lease on a XXXX model, also financed through LFS. 
In XXXX, I made my final payment to LFS for the XXXX XXXX ( via autopay ). Also, in XXXX, my dealership ( XXXX XXXX XXXX of XXXX XXXX ) made my first payment to LFS for the XXXX XXXX. At that point, I now had only the XXXX vehicle -- NOT the XXXX vehicle. 
In XXXX, I was sent a bill from LFS for XXXX for my XXXX XXXX ( which I expected to receive ). However, they ALSO took an automatic payment for the XXXX vehicle ( XXXX ) which I no longer had. This should not have happened. 
When I called LFS, promptly, to advise them of this, they apologized for the error and told me they would either send me a check for the XXXX or they would credit my XXXX account for the XXXX. No big deal -- all was fine, as far as I was concerned. I opted to have them credit the XXXX account for XXXX. As for the remaining XXXX balance on the XXXX account ( XXXX minus XXXX ), they said that, since the amount was negligible, they would simply tack on that small balance to the next month 's bill. ( FYI, I did, the next month, make a payment reflecting an additional XXXX ). 
Unfortunately, to date, my XXXX account has still not been credited for XXXX, despite the fact that they have retained the XXXX that they never should have taken to begin with. 
I have called literally dozens of times to get this corrected -- as has my dealership -- but NOTHING seems to get fixed. They 'll tell me it 's fixed, but when I later check the account, it has n't been fixed. This week, I received YET ANOTHER bill demanding a double payment. When I call, they threaten to send me to collections. I feel like they are trying to extort money out of me and I do n't know what to do anymore. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Please explain what this corporate advance in the amount of {$130000.00} is for. 
Looks as though XXXX tried to shove the XXXX loan into the XXXX Trust on XXXX/XXXX/XXXX before the XXXX cut off date. XXXX never owned the XXXX loan, XXXX only acquired the right to service the XXXX loan. Then Caliber returns the loan back to XXXX on XXXX/XXXX/XXXX, 2 days before the loan was allegedly sold to the XXXX Trust? Please explain this back room deal in detail. The print out from my XXXX online mortgage transaction history shows the corporate advance. The Detailed Account History from XXXX is attached that was provided in response to my CFBP complaint in XXXX XXXX against XXXX for fabricated documents used to illegally purport ownership of my home. On this account history the corporate advance information was omitted. What are XXXX and Caliber trying to hide? The fact that they are working together to steal my home. 

XXXX/XXXX/XXXX ( XXXX ) XXXX/XXXX/XXXX - XXXX The XXXX Trust closed in XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX ( XXXX ) Looks like the XXXX XXXX was returned to XXXX XXXX allegedly sold the XXXX XXXX to Caliber on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Upon checking my XXXX Comenity Bank account on XX/XX/XXXX, after notified by a text from XXXX on XX/XX/XXXX and XX/XX/XXXX, I saw a list of late fees and minimum charges on my bank account, totaling up to {$84.00}. This charge should not be here in the first place since I have always make my payments on time ( please check all the statements from before as well as all my credit score if you can get it ). I have scheduled my payment for statement of XX/XX/XXXX ahead of time and selected pay on the due date, which is XX/XX/XXXX. However, the system only posted the payment on XX/XX/XXXX. I would not know this payment was late and only posted in XX/XX/XXXX until Comenity Bank contacted me via text on the XX/XX/XXXX and XX/XX/XXXX. ( I do not touch this account unless I know I have made purchase with it ) I have contacted collection department of Comenity Bank and escalated the issue to upper management, spoke with XXXX and she could removed part of the fee but not all the unjustified charges off my account. 
It is obvious how credit card company 's only way to make their profit is by incurring high dollar charges under various reasons. In this case, the online banking system used by Comenity Bank is at fault, in which it wrongfully posted the payments 2 DAYS later and incurred unnecessary charges.

Company response to consumer: Closed with monetary relief