vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am reaching out in regards to a situation with my mortgage company and HAF program ( also known as XXXX  ). On XX/XX/year> I called XXXX in regards to my application and the remaining forward mortgage payment and fees accessed from mortgage company as the property went into foreclosure from XXXX not paying on time. I spoke with a representative and they informed me that a final payment of XXXX would be sent over to my mortgage company XXXX XXXX  and that there will be no more payments moving forward. On XX/XX/year> XXXX forwarded the payment to XXXX XXXX  to fulfill the last six month forward mortgage payment and foreclosure fees. Now XXXX XXXX  is claiming that the wrong account was paid. How did this happen? I have been paying my mortgage on time since XX/XX/year> and now XXXX XXXX has negative my account the {$1100.00} reversing the funds out of my account and have placed my account as past due even though I have made payments faithfully each month before the due date since XXXX. This has affected my credit score as it has lowered my score XXXX points. I need to understand why XXXX XXXX  is claiming that the XXXX  program paid the incorrect account and have taken the funds out of my account. And if so, what happened to the funds that XXXX told me of back on XX/XX/year> of {$1100.00}. When I call XXXX, they tell me that dont see any notes of me calling multiple times in XXXX which is hard to believe. When I talk to XXXX XXXX that are forcing me to come up with this money or my account will remain past due. How is my account credited on XX/XX/year> {$1100.00} but then taken out and reversed out of my account six months later on XX/XX/year> because of a Cashier error. However, my account and mortgage statements do not reflect a past due balance and actually show that I am in good standing. So is XXXX XXXX  statement trying to steal funds out of my account and place them in someone else 's loan because none of my mortgage statements reflect a past due balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am reaching out in regards to a situation with my mortgage company and HAF program ( also known as XXXX  ). On XX/XX/2024 I called XXXX in regards to my application and the remaining forward mortgage payment and fees accessed from mortgage company as the property went into foreclosure from XXXX not paying on time. I spoke with a representative and they informed me that a final payment of XXXX would be sent over to my mortgage company XXXX XXXX  and that there will be no more payments moving forward. On XX/XX/2024 XXXX forwarded the payment to XXXX XXXX to fulfill the last six month forward mortgage payment and foreclosure fees. Now XXXX XXXX is claiming that the wrong account was paid. How did this happen? I have been paying my mortgage on time since XX/XX/2024 and now XXXX XXXX  has negative my account the {$1100.00} reversing the funds out of my account and have placed my account as past due even though I have made payments faithfully each month before the due date since XXXX. This has affected my credit score as it has lowered my score XXXX points. I need to understand why XXXX XXXX is claiming that the XXXX program paid the incorrect account and have taken the funds out of my account. And if so, what happened to the funds that XXXX told me of back on XX/XX/2024 of {$1100.00}. When I call XXXX, they tell me that dont see any notes of me calling multiple times in XXXX which is hard to believe. When I talk to XXXX XXXX  that are forcing me to come up with this money or my account will remain past due. How is my account credited on XX/XX/2024 {$1100.00} but then taken out and reversed out of my account six months later on XX/XX/2024 because of a Cashier error. However, my account and mortgage statements do not reflect a past due balance and actually show that I am in good standing. So is XXXX XXXX  statement trying to steal funds out of my account and place them in someone else 's loan because none of my mortgage statements reflect a past due 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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXXXXXX 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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-02 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-08-02 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: MD

Complaint narrative:
I RECEIVED A MESSAGE FROM XXXX THAT EVEN XXXX IS NOT ABLE TO LOCATE. BUT THEY ARE ABLE TO LOCATE EVERY OTHER ALERT THAT WAS SENT TO ME, EXCEPT THE ONE INQUIRY IN QUESTION. TIME, AND AGAIN I HAVE ASKED FOR AN EXPLANATION, TO NO AVAIL. IT IS GOING ON 3 WEEKS NOW SINCE RECEIVING THE MESSAGE, BUT AN INQUIRY HAS NOT SHOWN UP FOR A NEW INQUIRY. I RECEIVED THE INQUIRY ON THE XXXX. OF XXXX. TODAY IS THE XXXX. OF XXXX. I AM WORKING TOO HARD TO RAISE MY CREDIT SCORE TO SIMPLY WATCH IT PLUMMET FOR NO APPARENT REASON. THEY ARE ALSO REPORTING ANOTHER FALSE INFORMATIONNPERTAINING TO CHIME. A {$240.00} BALANCE HAS BEEN REPORTED. I AM HERE TO TELL YOU, NOT EVEN CHIME HAS SUCH AN INFORMATION. I NEED THIS FOOLISHNESS TO STOP. AND I NEED THIS MATTER RESOLVED IMMEDIATELY. I HAVE LOST XXXX POINTS FROM MY FICO SCORE DUE TO THIS ORDEAL. I HAVE BEEN GOING THROUGH A LOT WITH XXXX. THEY ARE NOT THE KINDEST BUNCH AND THEY MAKE IT EXTREMELY HARD TO DISPUTE NEGATIVE ITEMS. AND THE LANGUAGE BARRIER IS OUT OF THIS WORLD., AND I'M A FOREIGNER MYSELF. 
I NEED THOSE XXXX POINTS BACK. UNDER THE FCRA XXXX HAS VIOLATED MY RIGHTS. STOP DEDUCTING POINTS FOR NO REASON. THERE IS ALSO AN ACCOUNT FROM ALLY THAT IS NOT BEING REPORTED. I HAVE GETTING SEVERAL INQUIRIES REMOVED, NEVER ONCE DID MY CREDIT RISE. I AM CONVINCED THAT SOMEONE IS MANIPULATING/MESSING WITH WHATEVER MACHINE/COMPUTER THAT ARE ACCESSIBLE TO THEM.

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 2024-08-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I RECEIVED A MESSAGE FROM XXXX THAT EVEN XXXX IS NOT ABLE TO LOCATE. BUT THEY ARE ABLE TO LOCATE EVERY OTHER ALERT THAT WAS SENT TO ME, EXCEPT THE ONE INQUIRY IN QUESTION. TIME, AND AGAIN I HAVE ASKED FOR AN EXPLANATION, TO NO AVAIL. IT IS GOING ON 3 WEEKS NOW SINCE RECEIVING THE MESSAGE, BUT AN INQUIRY HAS NOT SHOWN UP FOR A NEW INQUIRY. I RECEIVED THE INQUIRY ON THE XXXX. OF XXXX. TODAY IS THE XXXX. OF XXXX. I AM WORKING TOO HARD TO RAISE MY CREDIT SCORE TO SIMPLY WATCH IT PLUMMET FOR NO APPARENT REASON. THEY ARE ALSO REPORTING ANOTHER FALSE INFORMATIONNPERTAINING TO CHIME. A {$240.00} BALANCE HAS BEEN REPORTED. I AM HERE TO TELL YOU, NOT EVEN CHIME HAS SUCH AN INFORMATION. I NEED THIS FOOLISHNESS TO STOP. AND I NEED THIS MATTER RESOLVED IMMEDIATELY. I HAVE LOST XXXX POINTS FROM MY FICO SCORE DUE TO THIS ORDEAL. I HAVE BEEN GOING THROUGH A LOT WITH XXXX. THEY ARE NOT THE KINDEST BUNCH AND THEY MAKE IT EXTREMELY HARD TO DISPUTE NEGATIVE ITEMS. AND THE LANGUAGE BARRIER IS OUT OF THIS WORLD., AND I'M A FOREIGNER MYSELF. 
I NEED THOSE XXXX POINTS BACK. UNDER THE FCRA XXXX HAS VIOLATED MY RIGHTS. STOP DEDUCTING POINTS FOR NO REASON. THERE IS ALSO AN ACCOUNT FROM ALLY THAT IS NOT BEING REPORTED. I HAVE GETTING SEVERAL INQUIRIES REMOVED, NEVER ONCE DID MY CREDIT RISE. I AM CONVINCED THAT SOMEONE IS MANIPULATING/MESSING WITH WHATEVER MACHINE/COMPUTER THAT ARE ACCESSIBLE TO THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: MD

Complaint narrative:
I RECEIVED A MESSAGE FROM EXPERIAN THAT EVEN EXPERIAN IS NOT ABLE TO LOCATE. BUT THEY ARE ABLE TO LOCATE EVERY OTHER ALERT THAT WAS SENT TO ME, EXCEPT THE ONE INQUIRY IN QUESTION. TIME, AND AGAIN I HAVE ASKED FOR AN EXPLANATION, TO NO AVAIL. IT IS GOING ON 3 WEEKS NOW SINCE RECEIVING THE MESSAGE, BUT AN INQUIRY HAS NOT SHOWN UP FOR A NEW INQUIRY. I RECEIVED THE INQUIRY ON THE XXXX. OF XXXX. TODAY IS THE XXXX. OF XXXX. I AM WORKING TOO HARD TO RAISE MY CREDIT SCORE TO SIMPLY WATCH IT PLUMMET FOR NO APPARENT REASON. THEY ARE ALSO REPORTING ANOTHER FALSE INFORMATIONNPERTAINING TO CHIME. A {$240.00} BALANCE HAS BEEN REPORTED. I AM HERE TO TELL YOU, NOT EVEN CHIME HAS SUCH AN INFORMATION. I NEED THIS FOOLISHNESS TO STOP. AND I NEED THIS MATTER RESOLVED IMMEDIATELY. I HAVE LOST 17 POINTS FROM MY FICO SCORE DUE TO THIS ORDEAL. I HAVE BEEN GOING THROUGH A LOT WITH EXPERIAN. THEY ARE NOT THE KINDEST BUNCH AND THEY MAKE IT EXTREMELY HARD TO DISPUTE NEGATIVE ITEMS. AND THE LANGUAGE BARRIER IS OUT OF THIS WORLD., AND I'M A FOREIGNER MYSELF. 
I NEED THOSE XXXX POINTS BACK. UNDER THE FCRA EXPERIAN HAS VIOLATED MY RIGHTS. STOP DEDUCTING POINTS FOR NO REASON. THERE IS ALSO AN ACCOUNT FROM ALLY THAT IS NOT BEING REPORTED. I HAVE GETTING SEVERAL INQUIRIES REMOVED, NEVER ONCE DID MY CREDIT RISE. I AM CONVINCED THAT SOMEONE IS MANIPULATING/MESSING WITH WHATEVER MACHINE/COMPUTER THAT ARE ACCESSIBLE TO THEM.

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 2024-08-02 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been submitted to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block the information appearing on my consumer credit report that resulted from XXXX XXXX and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information includes a collection account opened by XXXX XXXX XXXX on XXXX XXXX, 2024 under the account number XXXX. 

I have enclosed a copy of the consumer XXXX  credit report maintained by you, highlighting the fraudulent item. I do not recognize the account as reported. This account, appearing on my consumer credit report maintained by you, was neither opened, made, nor initiated by me. It is the result of XXXX XXXX and fraud. 

Additionally, I have included a copy of FTC XXXX XXXX XXXX Complaint XXXX  ( XXXX ) as evidence from the US Federal Trade Commission that the aforementioned consumer credit account is the result of XXXX XXXX and 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 2024-08-02 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: CA

Complaint narrative:
Dear Experian, I am requesting the removal of several accounts from my credit report that were opened fraudulently using my personal information. These accounts were not authorized by me and are a result of XXXX XXXX. 

Attached are copies of the FTC XXXX XXXX  affidavit and other supporting documents verifying the fraudulent nature of these accounts. Please investigate and remove these accounts from my credit report at your earliest convenience pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Accounts opened due to XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please send me an updated report reflecting these changes. 

Thanks

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've been a XXXX XXXX  client for probably close to 20 years. And there has never been a single late or missed payment on that account for at least a decade ( if ever ). 

On an tangent note, I haven't had a single missed or late payment on any credit source for at least 10 to 15 years. 

I had a XXXX percent balance transfer that was coming due and they emailed me a " valued customer payment plan. '' It reduced the fees and extended the payment length. It sounded like a nice option, so I accepted and continued to make the same monthly payments that I already automated from one of my banking accounts ( wells fargo ). 

Fast forward a few months and my credit report was hit was an alert. It was stating that I missed three consecutive payments which reduced my credit score by nearly XXXX points. 

I reached out to remedy and they stated that was " the penalty for accepting the new plan '' and refused to adjust. I tried to get Experian to challenge and they rejected them as well. 

I had the cash to pay the entire amount at the time it was due. This is a terrible and downright fraudulent business practice.

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