BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: OneMain Finance Corporation
State: NY
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:
Personal identity theft regarding opening credit cards using my social security number and personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN FINANCIAL 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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/2022, I requested that XXXX remove the inaccuracies on my consumer report concerning tradelines and hard inquiries. XXXX, XXXX and TransUnion have failed to promptly update and correct information that was furnished to the Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ).

Information was furnished to CRA about severely delinquent or charge-off accounts but failed to furnish Dates of First Delinquency for those accounts in violation of FCRA 623 ( a ) ( 5 ), 15 USC 1681s-2 ( a ) ( 5 ).

Due to the failure to delete the inaccurate information and willful noncompliance I am request damages as well.

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 2022-11-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Synchrony Bank has closed all of my accounts ; however all of the accounts were opened in the last year. Would Synchrony Bank be willing to remove the following inquiries from my credit report as a couple of these accounts were opened in late XXXX ; but the accounts were all closed XXXX. I am making payments on all of these accounts ; however, can you please remove all of the inquiries within the past year from my account as these accounts are closed. 

Inquiry Date : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/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 explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX, {$270.00} I stated to Rep that account does not belong to me and Rep agreed to remove false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
myloancare.com website didn't have any information on requesting or how to do a loan payoff. I was out of the country and couldn't call them. Therefore I made extra principle payments due out the time with a final {$1.00} payment made to them on XX/XX/2022. However, they just hold up my {$1.00} payment and didn't apply it to my loan. So I made another {$1.00} payment on XX/XX/2022 and they still wouldn't apply it to my loan. On XX/XX/XXXX, XXXX they started to call my load delinquent and charged me late fees and interest. Then sent me several foreclosure notices. After I came back to the XXXX and called them on XX/XX/2022 about my account status. They not only didn't remedy the problem, they sent me another foreclosure notice and charged two more late fees with interest on XX/XX/2022 and XX/XX/2022. I called again on XX/XX/2022 and spoke to another account specialist and gotten a payoff statement with no payoff instruction at all and with all late fees added to it. I called again today still couldn't get the problem resolved. My bank had cancelled my credit card because they have report bad credit to the agencies when my account should have a negative balance.

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 2022-11-28
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was contacted by someone claiming to be from the Wells Fargo fraud department. She attempted to verify some transactions that were not mine. I was sent a text code, also from the normal Wells Fargo number i get the 2 factor authentication from. I gave her the code. I believe she then was able to login to my account. She asked for my XXXX secure token id for some reason. I gave it to her but then immediately realized something wasn't right. I hung up the phone and called Wells Fargo immediately. While i was calling i got a notification that a wire went through. They told me on the phone that she wired money to XXXX XXXX XXXX XXXX and i didn't understand why they couldn't ' call them immediately and say 'do n't let this money leave '. They ( wells fargo ), did not seem in a hurry to do anything. They reset my username and pw for online access and told me i needed to go into the bank and close the account and open a new one, which i did the very next day. They have now denied my claim saying i'm responsible for all wires on my account regardless of whether i authorized them or not. This is crazy. I was also told in the bank that i would get the money back and now i'm told i want. This is absolute fraud, i did not authorize this wire and I was scammed.

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 2022-11-28
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I never took out this loan. I have been paying on it for years believing it was part of the federal loan, the digital master promissory note is dated two months before filled out by hand federal promissory note, and has vastly different references and other information. I was misled and defrauded by both Navient and Corinthian colleges at this point. Attached is a copy of the unsigned promissory note and the signed federal note. If you review the two one is signed and dated XX/XX/06 and is in pen and the other the one completed by someone other than me and is dated XX/XX/06 and is typed. Further more the private loan is two months before the federal loans, this doesnt make sense because I never even stepped foot on a XXXX college campus until XXXX. 
I have tried speaking with Navient but they refuse to acknowledge any misconduct or fraud. I receive several harassing phone calls from them weekly. I need this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: GA
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:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX AV XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, ; XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX AV XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; Medical XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX 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
Consumer complaint received 2023-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Here is the details, 1. My Credit card statement amount {$5700.00}, due date is XX/XX/23 2. I paid {$5300.00} by BOA internal transfer on XX/XX/23, short paid {$430.00} 3. XX/XX/23 I found short paid and paid balance {$430.00} by BOA internal transfer 4. I was charged interest {$210.00} for 4 days late payment amount of {$430.00} 5. I called BOA credit card company on XX/XX/23, asked them how interest calculated as {$210.00} for only 4 days late payment amount of {$430.00}, they said interest is calculated by {$15000.00} of annual interest rate 17.49 % not late payment amount of {$430.00}, they refused to reimburse incorrect interest {$210.00}

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect information on my credit 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: CA
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:
I am appalled by the ability of the Credit Bureaus to remove the disputed items completely from my Credit Report despite all the letters and complaints I have been sendong them. I have read that the Credit Bueaaus are required to remove the disputed items completely from a consumer 's Credit report under the Fair Creit Reporting Act section 605b, however, upon reviewing my updated credit report, I came tio a conclusion that the Credit Bureaus became negligent of their duty. I am now submitting this complaint to inform the Credit Bureaus that I have been offered help from my legal counsel and that they are willing to help my file a lawsuit against the Credit Bureaus if they stilll chose to not comply with my requests. If the Credit Bureaus do not want to be brought up to court, I need them to remove the following items completely from my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXXXXXX Balance - Date opened 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 explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: HYUNDAI CAPITAL AMERICA
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I HAVE A XXXX XXXX XXXX THRU KIA FINANCE AND I WANT TO KEEP IT. I CALLED AND TOLD THEM I WANTED TO PURCHASE THE CAR, THEY TOLD ME TO FILL OUT THE ODOMETER READING FORM, WHICH I DID. THEN ON XX/XX/XXXX I CALLED FOR THE PAY OFF AMOUNT AND THE GENTLEMEN TOLD ME WHAT IT WAS AND CHECKED TO SEE IF THE ODOMETER READING FORM WAS SUBMITTED. MY PAYMENTS WERE DUE ON THE XXXX AND THE MORNING OF THE XXXX I PAID OVER XXXX TO SETTLE THE LEASE PER THE PAY OFF QUOTE THE EVENING BEFORE. AFTER SEVERAL WEEKS I CALLED TO ASK ABOUT MY TITLE IF IT WAS MAILED OR GOING TO BE MAILED. I WAS TOLD MY PAYMENT WAS IN " SUSPENSION '' AND I NOTICED THAT ALTHOUGH I GOT AN EMAIL STATING THEY GOT THE XXXX, IT WAS NOT POSTED TO MY ACCOUNT TO CLOSE THE ACCOUNT. THEY HAD TO PUT A WORK ORDER IN TO ESCALATE IT TO THE DEPARTMENT TO CLOSE MY ACCOUNT AND TOLD ME ONCE THEY CREDITED MY ACCOUNT THAT THE TITLE WOULD GO OUT IN 7-10 DAYS. THAT WAS XXXX WEEKS AGO. I TALKED TO A MANAGER SHE LOOKED AT MY ACCOUNT AND SAID IT SHOULD ONLY BE 2-3 DAYS AND I COULD EXPEDITE IT IF I WANTED TO FEDEX IT. WHY SHOULD I PAY FOR YOUR ERROR JUST GET IT DONE PLEASE. SO A WEEK WENT WHEN BY I CALLED AGAIN ONLY TO BE TOLD HE DID NOT SEE A WORK ORDER ESCALATED AND HE WOULD HAVE TO DO ONE. HE APOLOGIZED AND I AM LIVID. I GAVE THEM XXXX AND I HAVE NO TITLE. I ASKED TO SPEAK TO A MANAGER AND SHE SAID " THE ONLY '' THING SHE COULD DO WAS SEND AN EMAIL TO THE DEPARTMENT TO CREDIT MY ACCOUNT. AGAIN NOTHING!! I CALLED MONDAY, XX/XX/XXXX TO BE TOLD THE REASON I DON'T HAVE MY TITLE IS BECAUSE MY ACCOUNT IS STILL OPENED BECAUSE I OWE PRINCIPLE OF {$130.00} ..WHATTT!!!! BECAUSE YOU PUT MY MONEY IN A SUSPENSION FILE AND IT SAT THERE MY ACCOUNT WAS PASSED DUE, PER THE ONLINE PAYMENT HISTORY AND I MAY NEED TO PAY THE PRINCIPLE IN ORDER TO CLOSE OUT THE ACCOUNT, IT IS XXXX 'S ERROR NOT MINE. JUST RECENTLY I SEE MY XXXX POSTED ON LINE AS OF XX/XX/XXXX, JUST LIKE I SAID I PAID IT. ONCE AGAIN, I WAS TOLD THEY WOULD NOTE ALL OF THIS AND SEND IT TO THE DEPARTMENT THAT CLOSES THE ACCOUNT I TOLD HIM TO ADD TO IT THAT I GOT AN EMAIL STATING THEY GOT MY MONEY XX/XX/XXXX AND MY PAYMENT HISTORY SHOWS THE MONEY WAS POSTED ON XX/XX/XXXX AND MY AMOUNT DUE IS XXXX ( XXXX ) AND NOT {$130.00}. HE TOLD ME TO CHECK BACK IN XXXX HOURS AND EITHER THEY WILL CLOSE MY ACCOUNT AND SEND OUT MY TITLE OR THE WORST SCENARIO I WILL NEED TO PAY THE PRINCIPLE DOLLARS FOR THE ACCOUNT TO CLOSE. 
I DID WAS I WAS SUPPOSE TO, WHEN I WAS SUPPOSED TO AND KIA FINANCE OF AMERICA IS HOLDING MY TITLE XXXX. 
PLEASE HELP A CONSUMER WHO PAID HER LEASE EVERY MONTH ON TIME AND JUST ASKING WHAT IT LEGALLY AND RIGHTFULLY MINE, MY TITLE, SO I CAN SHOW OWNERSHIP OF MY CAR, ONCE AND FOR ALL!!! 

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 2022-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit reporting act XXXX  Account number XXXX has violated my rights Account name XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Transunion to verify the disputed items and remove them if unable to prove that the Items are mine. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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