vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I have been affected by unauthorized activity that has negatively impacted my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be blocked and deleted. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My XXXX used HSA Bank as part of my HSA contributions for health insurance purposes. Eventually, my XXXX switched to another provider : XXXX XXXX which I currently contribute to. 

Initially, I was keeping both accounts open. However, HSA Bank : ( 1 ) will not allow me to access my account ; ( 2 ) my HSA Bank funds have been declined for medical purchases ; and ( 3 ) HSA Bank charges me a dormancy / non-contribution fee. 

Therefore, to rectify the situation : ( 1 ) On XX/XX/year>, I requested a transfer/rollover of my HSA Bank funds to XXXX XXXX. 
( 2 ) On XX/XX/year>, I once again requested a transfer/rollover of my HSA Bank funds to XXXX XXXX. 
( 3 ) On XX/XX/year>, I once again requested a transfer/rollover of my HSA Bank funds to XXXX XXXX. 
( 4 ) On XX/XX/year>, I once again requested a transfer/rollover of my HSA Bank funds to XXXX XXXX. 
( 5 ) On XX/XX/year>, I once again requested a transfer/rollover of my HSA Bank funds to XXXX XXXX. 

As of this date, my funds have not been transferred. HSA Bank has offered me apologies and said it will be done, but have failed to do so. They have provided me no reason as to why it has not been completed. 

I suspect they are benefiting by continuously charging me a dormancy fee. However, I am unable to check my account online or remedy the situation in any way. All I want is for them to transfer my funds to XXXX XXXX and to close my account with HSA Bank. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally notify you of fraudulent activity on my credit report as a result of a data breach. I am a victim of identity theft and, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the fraudulent account and credit inquiries listed below. 
Fraudulent Account : Creditor Name : Capital XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Fraudulent Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX ( two separate inquiries ) XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally notify you of fraudulent activity on my credit report as a result of a data breach. I am a victim of identity theft and, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the fraudulent account and credit inquiries listed below. 
Fraudulent Account : Creditor Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Fraudulent Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX ( two separate inquiries ) XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. 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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/year> i inquired about purchasing a vehicle. I was told as it was a local bank, it would be soft inquiry on credit. I agreed to it. I'm disputing this as it has negatively impacted my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>, i inquired at XXXX for a VIP discount card as i was told that it's a soft inquiry. It ended being a hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX I was preparing for a trip. It explained dus ounts on trips. I applied online. I was not aware that it was a hard inquiry card. 

I dispute these 3 inquiries.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/year> i inquired about purchasing a vehicle. I was told as it was a local bank, it would be soft inquiry on credit. I agreed to it. I'm disputing this as it has negatively impacted my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, i inquired at XXXX for a VIP discount card as i was told that it's a soft inquiry. It ended being a hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX I was preparing for a trip. It explained dus ounts on trips. I applied online. I was not aware that it was a hard inquiry card. 

I dispute these 3 inquiries.

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 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a new XXXX  checking account with US Bank. The product is XXXX XXXX Checking. The product is supposed to be 100 % fee free. Officially, there are no account fees, but there is an " analysis '' fee that they charge to provide monthly account statements. It's {$6.00} per month, {$9.00} to get check copies. Customers can opt out by choosing paperless, and I have chosen to get everything digitally, but I continue to be charged {$6.00} per month. My relationship manager at the bank ( XXXX XXXX at the XXXX, CA branch ) said she can't see why it keeps on happening. I think they do this on purpose, to make it a hassle to call and get a fee credit each month.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally notify you of fraudulent activity on my credit file due to a data breach. I am a victim of identity theft, and as such, I request that the accounts and inquiries listed below be blocked and deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : Creditor Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Fraudulent Inquiry : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed several accounts listed that appear to be fraudulent. These accounts are negatively impacting my ability to obtain credit. Can you please remove these accounts from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
On XX/XX/year> I called collection management and XXXX was being very rude in his tone and what he said. He also said he was the supervisor and if I did not pay today he would continue updating the collection on my report to hurt my credit. Please review his recorded line and take actions against this individual. He is working at a business and should conduct himself in the highest of manners if he is in the customer service business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Follow up to CFPB complaint XXXX. 


I maintain that Shellpoint should refund my late fee of {$44.00} and any other fees assessed because of this matter. 

In the letter to me, XXXX XXXX writes, Although Shellpoint apologizes for any inconvenience regarding this matter, we have been unable to determine that any error has occurred. 

However, just a few lines above that sentence, she writes, Our records reflect the insurance was updated to remove the cancelled insurance policy and an updated escrow analysis was completed on XX/XX/year>. The total payment amount decreased from {$2200.00} to {$1900.00} effective with the XX/XX/year> payment. 

Basically, my bills beginning in XXXX were too high, and I suspected they were wrong. I withheld full payment because I didnt want to overpay an incorrect amount and needed to get the matter sorted out. It turns out I was correct. 

Even though XXXX XXXX uses the passive voice when writing, The total amount decreased and the insurance was updated, here she is admitting that Shellpoint made a mistake when calculating the insurance and retroactively lowered my XXXX bill midway through the month because of its mistake. 

The fees ultimately were incurred because of Shellpoints error and therefore need to be refunded.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, this company has violated my rights. 
15 USC Section 1681 Section 602 states that I have the right to privacy.

15 USC Section 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B states ; A creditor can not consider a payment late unless they have reasonable procedures to ensure that the periodic statement is mailed or delivered to the consumer at least 21 days before the due date. 

This company has failed to provide verification that l was late : XXXXXXXX XXXX  Line of Credit I was never late on this account. 

XXXX XXXX I was never late on this account. 

XXXX XXXX I was never late on this account. 
2 bureaus says I was on time and 1 is reporting inaccurate information which is fraud.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, this company has violated my rights. 
15 USC Section 1681 Section 602 states that I have the right to privacy.

15 USC Section 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B states ; A creditor can not consider a payment late unless they have reasonable procedures to ensure that the periodic statement is mailed or delivered to the consumer at least 21 days before the due date. 

This company has failed to provide verification that l was late : XXXX Pay Line of Credit I was never late on this account. 

XXXX XXXX I was never late on this account. 

XXXX XXXX I was never late on this account. 
2 bureaus says I was on time and 1 is reporting inaccurate information which is fraud.

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 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
This company constantly discriminates again me when I try to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts listed below as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit and personal information. Please find the particulars of the accounts I wish to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$290.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$8100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts listed below as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit and personal information. Please find the particulars of the accounts I wish to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX. XXXX XXXX  XXXX - XX/XX/XXXX - {$290.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$8100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} 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 XXXXXX/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 2024-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
My XXXX XXXXXXXX XXXX was totaled on XX/XX/XXXX I made my payment as told and it wasnt paid off until XX/XX/XXXX. I made a XXXX XXXX XXXX XXXX. Insurance paid XXXX and gap insurance covered the rest. I was supposed to be refunded for ever payment I made since the wreck happened and now they are saying they only are going to refund me {$160.00}. That is not right. It is almost {$1500.00} they owe me and they know it and they said no. Any payment I made ( not including Gap and Insurance payments ) are supposed to be refunded to me. They said I had to pay to not hurt my credit. They are scamming me out of my money. PLEASE HELP ME. This account is with Bridgecrest ACCOUNT NUMBER : XXXX VIN : XXXX VEHICLE : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed several accounts listed that appear to be fraudulent. These accounts are negatively impacting my ability to obtain credit. Can you please remove these accounts from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed several accounts listed that appear to be fraudulent. These accounts are negatively impacting my ability to obtain credit. Can you please remove these accounts from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All XXXX credit reporting agencies have my XXXX stindent loan on my credit report and its reporting a {$0.00} balance. Ive asked can this information be removed.

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