BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Complaint against : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Victim : XXXX XXXX and XXXX XXXX email : XXXX XXXX XXXX ACCT NO. XXXX XXXX XXXX {$25000.00} XXXX XXXX ACCT NO. XXXX XXXX XXXX {$78000.00} ACCT NO. XXXX XXXX XXXX {$43000.00} TOTAL {$150000.00} On or about XX/XX/XXXX , Bank of America closed all 5 of my accounts, without giving cause or reason. as best I can conclude in XX/XX/XXXX I asked them to reopen a fraud complaint regarding {$10000.00} that they erroneously cashed for a person. I speculate that Bank of America 's fraud alert system triggered my account to be closed, as they did XXXX other customers who are in an EDD card class action lawsuit. 

The judge in that case has ordered a preliminary injunction dated XX/XX/XXXX that Bank of America was to return all funds and reopen all accounts closed due to fraud complaints within 45 days. Although I am not part of this lawsuit and the principal class I do fall under injunctive relief actions. The injunction states that the bank is also to give written notice and reason for their findings after they investigate, but to release the funds and not hold the funds hostage. 

Now, in XX/XX/XXXX Bank of America advised that they had completed their investigation regarding the account where the {$10000.00} was removed from and they sent me two checks totaling around {$3000.00}. However, as of today, three accounts only related because I am the principal remain closed with the funds in their possession. as of XX/XX/XXXX they advise that the funds in the amount of {$140000.00} are being held in some unit called their Hold Harmless unit. I have this week sent them a letter instructing them to return my almost {$140000.00} plus interest and I would hold them harmless from anyone who has no claims to this fund and who might make a claim, other than me. 

Now, when I attempt to call or go into a bank they read a note that they are not supposed to tell me anything or answer any questions and that I should mail anything and put it in writing. They have taken the position of not resolving the matter and maximizing damages. 

This has been 5 months and Bank of America has not given any reasons, except they said in XXXX that they could take 90 days to resolve the issue as per banking regulations. It has been over 150 days. Also, the judge gave them 45 days. They have caused my business to be shut down and all my employees to be laid off and they were the bank that our government chose to assist in unemployment EDD funds distribution. It is a joke and not just me, but over 350,000 people are suffering.

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 2023-12-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: GATEWAY FIRST BANK
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/2021, I was late paying my mortgage payment. I tried via phone and through the website to pay. The phone system said the payment had gone through though it had not. Trying to pay online was also extremely difficult and convoluted. After I had finally made the payment, it was late and reported to the credit bureau as delinquent even though I had attempted repeatedly to make the payment. I reached out to the company twice to ask them to remove the reporting. Not only did they not remove it, they did not even listen to my complaintjust sent an automated response. I would like them to remove the reporting and improve their methods of accepting payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
I have had a heloc with USBank since XXXX. XX/XX/XXXX they reminded me aware of the {$90.00} annual renewal fee to be charged XX/XX/XXXX. That did not concern me. 

On XX/XX/XXXX I received a letter indicating that any use of the credit line is subject to application approval, credit check, and only allows draws on the account for one more year. In short, there is really no value to the account any longer. What benefit is there to having the HELOC. Can only draw on it until XX/XX/XXXX and must schedule repayment until XXXX/XXXX/XXXX. 

Because of its limited use and benefit, I asked to close the credit line, which they will do, but they do not refund the {$90.00} fee that was just charged. They claim contractual fee and not refundable. The fee is for the upcoming year. 

If I had known the upcoming limitations on the use of the account, I would have closed it a month ago. They charge an annual non refundable fee to provide a credit line with the highest flexible rate offered, still subject to credit approval and appraisal, and can only be drawn on for another year. What am I paying these fees for? Seems unbalanced to me. They quoted that I approved of these contractual provisions back in XXXX. 

Seems rather harsh to not refund a fee on a line of credit that has not been used in years, charges a higher than normal interest rate, and to not be willing to refund one business day after being charged. Especially since I have been a USBank client since XXXX for all our banking and also as a checking account holder and debit card holder before that since XXXX my first ATM card was with Star Bank . 

I really think this HELOC / mortgage practice needs to be reviewed. Very consumer unfriendly. What is the value of having a HELOC preaporoved if it charges higher than normal interest rates and is still subject to credit application and appraisal. What am I paying {$90.00} for? 

I would have canceled the HELOC in XXXX if I had known the limitations on the account which were not communicated until after the fee charge date. I do not feel like a very valued client. 

An annual fee of up to {$90.00} may apply after the first year. Application is subject to normal credit approval

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 monetary relief
Consumer complaint received 2023-08-28
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023, my credit was hit with two amounts at the charge of {$2000.00} and {$2200.00}. I am contacting yall because I know this was fraudulent charges and other people have experienced from the same company. The company name is ( XXXX XXXX XXXX ). I have never had credit in my life and I have never tried to get credit at any amount especially like this. My contact number is XXXX for any further information of mine needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I decided to try to refinance car loan with Truist. When they sent us the closing documents to review the numbers weren't as we had discussed with the loan officer so we decided not to go through with the refinance because it was saving us no money. They supposedly closed the loan. But that never happened! On XX/XX/XXXX I saw an automatic payment of {$4100.00} taken out of my truist checking account for the payment of the refinance loan. So they never closed out the refinance loan! So now we have the refinance loan and our regular loan on our credit report. We have tried numerous times to talk with truist to at least refund the {$4100.00} they stole from us but they still have not done that, and both loans remain open. This company has terrible customer service, terrible system of checks and balances, and should not be in business. Thanks 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 explanation
Consumer complaint received 2021-10-21
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This debt was a {$200.00} overdraft from Best Bank in Georgia from XXXX, which has gone out of business. I am in the process of fixing my credit myself and undisputed alot of old items on my credit report. These people called my mother, niece, my brother, and my sister in-law, and told them different things like there is a warrant for my arrest, and told my niece I am involved in a domestic abuse situation. They gave them a case number to give to me. When I called they threatened me again with a warrant and told me if I didn't pay there's a chance they can arrest me. Since XXXX I have gone thru XXXX XXXX and for them to call my whole family and get everyone upset thinking that I committed a crime is horrible and it gave me anxiety. Now they are calling my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Westlake Services, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
I have disputed this fraudulent account several times. This has destroyed my credit as a single parent in a rising economy. XXXX XXXX XXXX XXXX XXXX XXXX financer as XXXX XXXX involved up to date customers like myself into a scandoulos scam selling contracts to debt collectors while current, WITHOUT NOTICE, without options just nothing!!!! 

WESTLAKE FINANCIAL CAN NOT PROPERLY SEND VALID DEBT VALIDATION SHOWING ME THAT I HAVE SIGNED A CONTRACT WITH THEM, NOR A SIGNED CONTRACT STATING THAT I AGREE TO PAY WESTLAKE FOR ANY VEHICLE.

I FOUGHT 3 ROUNDS OF DISPUTES TO FINALLY HAVE AMERICAN FINANCIAL DELETED FROM MY PROFILE AFTER FILING COMPLAINTS WITH AL ATTORNEY GENERAL. IT WAS REMOVED FROM MY CREDIT ON XX/XX/23 WESTLAKE IS FRAUDULENTLY REPORTING ON MY CREDIT PROFILE AND PROVIDING ME DOCUMENTS FROM A CLOSED BUSINESS WHOM WAS DISPUTED AND DELETED OFF OF MY CREDIT REPORT XX/XX/23 DUE TO THEIR SCANDALOUS ACTIVITIES AND REPORTING. WESTLAKE PORTFOLIO IS A FRAUDULENT ACCOUNT AND NEEDS TO BE IMMEDIATELY DELETED FROM MY CREDIT REPORT! 

FURTHERMORE, MY LOCAL DMV IS REQUESTING FOR THE REPOSSESSION NOTICE THAT WAS NEVER SENT TO ME BECAUSE WESTLAKE CAN NOT PROPERLY SEND REQUESTED DOCUMENTS TO VALIDATE DEBT NOR HOLDS INTEGRITY FOR HARD WORKING CUSTOMERS.

THE VEHICLE WESTLAKE FINANCIAL REPOSSESSED ON XX/XX/23 NEVER CAME WITH A REPO LETTER I NEED THAT SENT TO ME IMMEDIATELY TO PROVIDE TO THE DMV FOR TAG REIMBURSEMENT COSTS of over {$300.00}. 

THIS FRAUDULENT ACCOUNT NEEDS TO BE DELETED FROM MY PROFILE IMMEDIATELY, A PROPER CEASE AND DESIST AND A PROPER INVESTIGATION FOR A CONTRACT UNDER WESTLAKE WITH MY SIGNATURE!

I AM CLEARLY FRUSTRATED AS I HAVE BEEN DEALING WITH THIS NIGHTMARE ALL YEAR LONG WITH MY CREDIT BEING DESTROYED DUE TO SCANDALOUS ACTIVITIES OF AMERICAN CAR CENTER!!!!!!!!!!!! 

PROOF HAS ALREADY BEEN SENT IN MY LAST COMPLAINT

Company response to consumer: In progress
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax continues to violate section 623 ( a ) ( 1 ) ( A ) of the FCRA which states credit reporting agencies have a legal obligation under the FCRA to ensure the accuracy of the information they furnish.Equifax clearly failed to do so as required by Federal law. 
EQUIFAX STATED MY ACCOUNT WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE THE ACCOUNT STILL REMAINS ON MY CREDIT FILE. Equifax stated they confirmed they verified the account from XXXX and Court records, I HAVE ENCLOSED AN LETTER FROM THE COURT AND XXXX SHOWING HOW EQUIFAX VIOLATED FEDERAL LAW. In fact XXXX could not verify the Bankruptcy that Equifax claims to have verified from XXXX, THEREFORE EQUIFAX NEVER CONDUCTED AN INVESTIGATION ON THE FOLLOWING XXXX  XXXX FILE NUMBERXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a certified letter to Equifax providing proper documentation from the courts stating that they do not verify bankruptcy. They responded back stating that they verified my bankruptcy with XXXX XXXX with is incorrect because I have documentation from XXXX XXXX that states they removed the bankruptcy off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NOTICE TO AGENT TIS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA.

I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting inaccurate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX i sent in a dispute letter to TransUnion, XXXX, and XXXX about some accounts that i saw on my credit report. That was over 120 days ago, i also have been sending in more letters every month to try and get these accounts removed or updated. The most recent letter was sent on XX/XX/XXXX. They have been ignoring me. The accounts are not accurate, and they haven't even verified them with me properly. They have failed to maintain proper documentation and accuracy with me. How can they just violate my rights with no explanation for well over 120 days? I always though that the Fair Credit and Reporting Act was supposed to guarantee that they report only accurate information. This is all really confusing because each reporting agency is showing different information. Some late payments are complexly wrong and unverified yet they wont remove them. Other accounts are closed yet still showing they are open and missed payments on a closed account, it is a complete mess. I just want all of the incorrect information on my account removed because this is stressing me out like crazy. I haven't filed an FTC report because i want to go to you all first and hopefully they will just remove all the inaccurate information now. But they are in violation of my consumer rights i need some help.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX  XXXX BV XXXX, VA XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$65.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX WI XX/XX/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