vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX  XXXX Has violated my rights. 
XXXX XXXX XXXXXXXX Has violated my rights. 
XXXX XXXXXXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 adverse items 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 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 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Card issuer was unable to provide copy of governing terms and conditions for Pay by Computer service upon request. Their website makes reference to such terms and conditions but the link does not work. Customer service by phone was unable to understand the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} ; XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$290000.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00}.

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 2022-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibanks discriminatory and retaliatory practices subjected me ( the consumer ) to a financial detriment that could've been prevented had procedures in place been adhered to. Without warrant they intentionally pursued the closure of the account because I asked to speak to someone in US after stating " I can't understand you. They left me on hold for 22 hours. I applied for the account, I was approved. Then I transfered funds to citibank. They waited on the wire and frozen almost instantly. They wouldn't give reason even though I verified every question they asked me. It is without question that the association of the request to speak to someone I'm the united states cause this. I waited weeks for that pay day. They knew that. Did not care. I was late on bills and they knew that, this caused me to get evicted, was already late and waited on this paycheck. Also, still haven't paid for car repairs resulting in repossessions of car. Slept outside for a week and jmablr to care for my ailing mother. This could've been prevented. The eru offices representatives, XXXX XXXX, really saw the detriment citibank caused and didn't understand it herself.

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
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. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # 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.

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have tried numerous times, time after, time to have a few accounts removed off my credit report and finally had success with a few but only with one or the others from the bureaus below in listing what accounts in having issues with and what bureaus. 


XXXX XXXX {$4200.00} XXXX XXXX, XXXX XXXX TRANUNION HAVE CONTINUSLY DENIED DISPUTES XXXX- {$440.00}, denied by all 3 bureaus XXXX  {$440.00} DENIED BY ALL 3 BUREAUS XXXX- {$230.00} 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 2022-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Transfers were done with a company named XXXX on my behalf ( for investment purposes ), after a couple of days ( was never able to access the funds or buy securities ) they closed out my account and said that they are reviewing it and it could take at least 90 days to 180 to get my funds back and they told me that it could take much longer than that, and that my account was fronzen and would be terminated in the next couple of days. I was not happy with that since there were {$2000.00} ( XX/XX/22 ), {$2000.00} ( XX/XX/22 ), {$400.00} ( XX/XX/22 ), {$630.00} ( XX/XX/22 ), They told me that I should make a stop payment order of these funds and to open a claim with wells fargo if I should get my funds back so I opened a case on ( XX/XX/22 and only 16 days have passed since that transaction ). While talking to someone about the claim they came up with dates for the transactions and couldnt find the one for the XXXX in XXXX, I told them that I opened the account a week before and made the transfer somewhere around the XXXX and with that they ( without telling me ) set that date as the transaction date. I recorded the whole conversation from my end and after a week on XX/XX/22 they returned only {$3000.00} and said that the XXXX transfer was denied because it was beyond 3 weeks and that I have agreed that I revoked their authorization on the XXXX of XXXX and yet only 16 days have passed ( the person that I spoke through on the phone never made the due diligence to tell me about that and without telling me put down the date as the XXXX and stated that I revoked their authorization on the XXXX, even when I have never stated so ), and when checking with XXXX I have 0 funds in that account even since the transfer failed on their end and they have fully terminated that account.

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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. 

XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Never late. Paid satisfactory. 

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date 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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The TXXXX/ExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Account ; XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$400.00} ; Incorrect Addresse ; XXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX 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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have tried numerous times, time after, time to have a few accounts removed off my credit report and finally had success with a few but only with one or the others from the bureaus below in listing what accounts in having issues with and what bureaus. 


XXXX XXXX {$4200.00} EQUIFAX XXXX, XXXX XXXX XXXX HAVE CONTINUSLY DENIED DISPUTES NCA- {$440.00}, denied by all 3 bureaus XXXX {$440.00} DENIED BY ALL 3 BUREAUS XXXX- {$230.00} EQUIFAXS & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have tried numerous times, time after, time to have a few accounts removed off my credit report and finally had success with a few but only with one or the others from the bureaus below in listing what accounts in having issues with and what bureaus. 


XXXX XXXX {$4200.00} XXXX XXXX, EXPERIAN XXXX XXXX HAVE CONTINUSLY DENIED DISPUTES NCA- {$440.00}, denied by all 3 bureaus XXXX {$440.00} DENIED BY ALL 3 BUREAUS XXXX- {$230.00} XXXX & EXPERIAN

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Accounts ; XXXX XXXX BANK XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} ; XXXX XXXX BANK XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$290000.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00}.

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 non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Accounts ; XXXX XXXX BANK XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} ; XXXX XXXX BANK XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$290000.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and I am making a complaint about MoneyGram. I often send my fiance money overseas to XXXX to help make ends meet. but I've noticed that the money have not been getting to his account on time. At first I thought this was just normal until I read about it and I realized that i was not being treated fairly I am a mom of three and I am going through enough as it is with not having my fiance here with me due to the XXXX Visa. And while he is trying to make ends meet it is making it difficult not receiving funds on time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX  XXXX Balance {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$610.00XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$520.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$260.00} XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX CRE XXXX Balance {$0.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX CT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TRANSUNION : XXXX XXXX MO XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$690.00} XXXX XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX  Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX 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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX  XXXX Balance {$2100.00} XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$520.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$260.00} XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX XXXX XXXX XXXX  XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX CRE XXXX Balance {$0.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX CT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX MO XXXX Balance {$0.00} XXXX OF MO XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX BANK Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$2800.00} TransUnion : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2800.00}

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 non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1900.00} Equifax XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance {$2800.00} XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2800.00}

Company response to consumer: Closed with explanation