vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: KS

Complaint narrative:
I have reached out to AES on more than one occasion. At the start of my college career in 2004 at XXXX years old, I was unaware of the ability to apply for a loan through my universities financial aid department and what a federal or private loan was. I had several loans which regardless of circumstance would need to start repayment within 4 years or shortly after, even if still a full-time student. I had been paying on these loans with few issues for quite some time. My husband had health issues and was out of work for over half a year at the time I first contacted AES. I tried to put the loans on forbearance, and was only offered a temporary slightly lower payment amount on some of the loans managed by them. This had to be done with a payment of good faith during my conversation by phone. Financial circumstances got worse, but paid when I could. Due to all household payments hitting my own account as my husband was out of work, a couple of my monthly payments after that did n't clear. This past fall I tried to review amounts and set up a payment online when I realized I no longer had account access. I called AES to discuss the situation, and was informed by a lady that it was due to an issue with a couple payments I had made. I expressed my concern with her that my online access has always been the method used for my payments particularly since several different private student loans are listed on that single online account. She reassured me that since this was the first time this had happened, that I would be able to write and/or email the company to regain my online access. I faxed a letter to AES and received nothing in return based on the information she gave me by phone, and I also emailed more recently about the situation and got an email back stating that my online access was terminated due to my issues with payments. Due to this situation, this has caused one or more loans to go into default because due to the various loans under the same AES account with various due dates, I have been overwhelmed with various AES bills which I am unaware of which is which and what standing they are in and what needs to be taken care of first. Some loans I have tried to discuss with AES, I have been told that they collect payments on but I need to actually speak with XXXX or whomever they originated from. All I want to do is regain my account access for ease of payment and understanding of my various loans under my single servicer and/or find out which loans and what my options are to get out of default on the loans that this happened to. Please help me work this out. I am not asking for any kind of loan forgiveness, just asking for the ability to understand and pay back with ease all of my loans through AES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: National Enterprise Systems, Inc.
State: ME

Complaint narrative:
I have asked the company XXXX to not call me at work and to communicate with me In writing and they 're still calling me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: CA

Complaint narrative:
I had a private loan dispersed with National Collegiate Trust. There is not phone number to contact them or anything like that. I deal with American Education Services to pay my bill and apparently they give National Collegiate Trust the payment. I ca n't afford the payment and they are not working with me to lower my payment. My interest in 7 % and my loan is too high due to interest. the Original loan was taken out for {$28000.00} and has now increased to {$51000.00} They have doubled the interest and will not work with me. I have tried to work with them by paying some of the payment, however, they still call and harass me to make payments I ca n't afford. My account number is, XXXX. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I have only lived in XXXX there is a third address listed that is NOT mine Please take off my report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AES/PHEAA
State: GA

Complaint narrative:
This Corporation has shared my information with Credit reporting Agencies. This is considered IDENTITY THEFT Pursuant to 16CFR 603.2. I am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. According to the GLBA Gramm Leach Bliley Act this is a violation. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE but this CORPORATION IS IN BUSINESS COMMERCE AND TRADE. THEY MUST ADHERE TO THE FDCPA Fair Debt Collection Practices Act, and the FCRA, Fair Credit Reporting Act. They also have to CEASE and DESIST because I never asked them for anything, and if they have my information I want it back as soon as possible. If not I will be filing a CRIMIINAL COMPLAINT WITH THE FBI. Where is the Loan Level documentation if any stating it adheres to all State and Federal guidelines of a Loan, for this Consumer. These people are obtaining information from the Credit Reporting Agencies fraudulently and this is definitely Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA
State: AZ

Complaint narrative:
Due to a medical issue, I was forced to quit my job. XXXX bank refused to give us forbearance on student loan. 

We filed our taxes early XXXX, ready for XXXX XXXX XXXX. On XXXX XXXX we received an XXXX form from XXXX, we called our bookkeeper and she explained that was not good, we went to her office to find out, our {$5600.00} refund was now us owing $ XXXX. 

So we sat down with IRS and they agreed to take XXXX refund and wait for XXXX refund to finish paying, which was done. 

With this we received a letter from XXXX telling us the " cancellation of debt ''. 

In XXXX we began getting letters from attorney 's XXXX ( XXXX ) Attorney at Law. We communicated with them and explained about the XXXX and they have been mistaken. 

After several trips to XXXX, AZ to court house, we eventually received a notice of arbitration. Late XXXX we sat down with plaintiff 's attorney and arbitrator. During this meeting XXXX claimed the the loan numbers did not match up with XXXX. 

The arbitrator said she had no choice but to find in the favor of the plaintiff and they XXXX agreed that there was definitely something wrong. 

The attorney for XXXX argument was that his client National Collegiate XXXX XXXX Trust ( XXXX ) owned the loan that was sold to them by XXXX back in XXXX. 

While there, the attorney XXXX gave us the number of another attorney XXXX XXXX. XXXX claimed he was a good attorney and maybe able to help us. The arbitrator said she would wait 30 days before entering a decision. 

We went and saw XXXX XXXX and he said he would make some phone calls, during which he had mentioned the CFPB. 

On XXXX XXXX, XXXX the arbitrator found in our favor, we do not know what XXXX XXXX had done, but we were glad for the judgement. Including the judgment the letter stated that we needed to submit any fees we occurred, we called XXXX XXXX and he handled the communication with the court, and his fees were awarded for ( XXXX ) to pay. 

Currently XXXX is appealing the ruling and we have another court appearance this Friday XXXX. 

On their appeal they are accusing the defendants ( us ) for " Defendants have engaged in unfair surprise and misconduct '' and " litigation by ambush. '' We have done nothing wrong, we did not go to law school, we followed instructions. 

This is our biggest issue. How can XXXX sell a loan to XXXX in XXXX and turn around and file a XXXX on us in XXXX? 

According to XXXX XXXX dd not own the loan to do this. 
We were thrown into another tax bracket since it had to be counted as earned income, causing me to lose other government medical benefits for my insulin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
" Contract was cancelled '' " NO CONTRACT '' Although debt was not validated to clear the issue I sent in a letter and check that said " in cashing this check this you consider this account paid in full and agree to remove it from all XXXX credit bureaus ( XXXX XXXX XXXX, XXXX ). This was cashed on XXXX/XXXX/2017 and the account has not been removed from all XXXX bureaus as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have paid off XXXX derogatory on my report and they are still showing up.I have contacted the issuer of these account 's an they say it is out of there hands since they were sold off to a collection agency

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 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
There has been an open XXXX XXXX account on all my credit reports every month since XXXX 2008 that they ( XXXX XXXX ) can never seem to find in their system. I want to close it but they are no help at all.

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans union is reporting a bankruptcy on my report, I called the court, the court does not report this information, not now not ever, trans-union received this information from a 3-party reporting agency, I request it be DELETED, ASAP.

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 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute on my report XX/XX/2016 and sent in proof that the account was released. This judgement was entered in error and is now preventing me from getting a loan. It has been greater than 14 days and I simply do not have time to continue to send letters when proof has already been sent over.

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 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Not a duplicate. To be delivered to each CRA at issue. In XX/XX/2014 the XXXX division conducted an investigation into acct # XXXX and determined that the item should be deleted from my credit report as I was never behind in payments. Even though another CRA was in compliance with removing this item, TransUnion failed to remove the item from my credit report. This has caused unjust damage to my credit report as creditors view this item as adverse. This item must be immediately deleted as according to the investigation conducted in XX/XX/2014 by the 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 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I donot have a XXXX account please remove from credit report I called XXXX they do not have any information on me

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 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX has claimed an erroneous debt on my report. I have absolutely not done any business with them in years they have gotten my name from recent inquiries in like agencies. Please have that information removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have never resided at the address listed as XXXX XXXX XXXX XXXX, XXXX MS . I helped a fellow government worker move their belongings there as they were in need of assistance to care for their XXXX children while transporting their goods. I need this corrected immediately as I am receiving a bill from a company I did not do any business with. I only stayed with this individual for a month while they got situated working for the XXXX XXXX XXXX. Please delete this line item immediately.

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 non-monetary relief
Consumer complaint received 2016-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Checking my credit score online realized an address in XXXX Ga is on my credit report never lived in XXXX, GA. I have never lived in XXXX Georgia on XXXX XXXX or whatever that street was ... ....

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 non-monetary relief
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted TransUnion in regards to an old XXXX account that had been illuminated two years ago due to ID theft and was placed again on my credit report by an agency who was resold the debt. The other XXXX credit reporting agencies have removed the item yet TransUnion claims the item needs FCRA requirements.

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 non-monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of the inquiry fiasco and i would like my inquiries deleted ASAP 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

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 non-monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are fraudulent Account 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

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
My credit score dropped XXXX points from XXXX to XXXX virtually overnight. The only possible issue was closing my XXXX credit card as I previously reported under a separate complaint. There was also an address for XXXX, Nevada which I told them I never lived there. I have lived in Nebraska all my life. When I asked what other bad information they had about me which may have caused the drop in score they refused to answer. When I asked to have them resolve the errors on my acocunt and look into the fraud they refused. I just got off the phone with Trans Union at XXXX CDT XX/XX/2017.

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 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
the investigation was not thoroughly done. a collection agency is fraudulent saying i owe money to a previous property management customer from a customer i represented. we never went to court. before i closed the company we had a dispute over repairs and amount owed. this is not a personal debt or a loan.and the credit collection agency has no proof of such.

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 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Looked at my credit report and saw that they had account so my court in which I had no knowledge of which are all reporting negatively and affecting my credit worthiness. I have open dispute with all credit report agencies and I have n't been able to get a clear response to the handling of my credit disputes. Currently I have open dispute and the credit reporting agency has allow companies to be on my credit report that has not communicated with them in over 30 days to remain on my account even though I have gave multiple instruments to support my call for possible identity theft in and accounts being open without my knowledge.

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 2016-07-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting negative information on my credit report. I have taken the necessary steps to dispute the information with the credit bureaus and have requested verification that this account belongs to me from the data furnisher ( letters of request are attached ). I 've sent a letter to TransUnion on XXXX XXXX, 2016 and another follow up letter on XXXX XXXX, 2016. I 've also sent letters to the data furnishers on XXXX XXXX, 2016, and again on XXXX XXXX, 2016. To date, they have n't provided me the requested signed contract, actual documentation or verification that this account does in fact belong to me. I 've researched the FDCPA & FCRA and found out that it is the responsibility of the data furnisher to provide the consumer with all the proper documentation when requested. They are violating the FDCPA/FCRA! I 'm hoping you can help me as my next step and only other option will be to solve this through legal channels.

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 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I 'm trying to obtain employment I have XXXX inquiries on my credit report do to fraud Trans union refuse to help a victim of Identity theft they keep giving me the runaround please help me they can remove them they just refuse too

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 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX 2015 the contact XXXX and tranunion aboutitems on my report that wasn'tmines. XXXX remove the items and trans union didn'tand i let them know theaccount was paid in full

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