vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: LA

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries listed on my credit report that have resulted from a recent data breach, in which I was a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am requesting that the following accounts and inquiries be permanently blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$2500.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( XXXX ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX XXXX XXXX A : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX  : XXXX XXXXXXXX XXXX  : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( XXXX ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( XXXX ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX XXXX XXXX A : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( XXXX ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account 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 explanation
Consumer complaint received 2024-11-15 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: LA

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$6000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$2500.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2024-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: NJ

Complaint narrative:
On XX/XX/year>, I was notified through a message in my XXXX account that my federal student loan had been transferred to a new servicer, XXXX. Since XX/XX/XXXX, I have been unable to make any payments or changes to my loan account. As of XX/XX/year>, the transfer remains incomplete, and I still have no mechanism to access my loan account or make payments, despite the loan accruing interest daily. 

I contacted both XXXX and XXXX to address this issue. XXXX informed me that they could no longer service the loan following its transfer, while XXXX stated that the transfer process was still ongoing. I specifically inquired about making payments during this interim period, including paying off the loan in full as I had originally planned. Both servicers indicated that I must wait for the transfer to be completed. XXXX has estimated the transfer will be completed by XX/XX/year>, but as of today ( XX/XX/year> ), I have not received any XXXX account information or access. 

I expressed concerns about the interest accumulating during this time and asked whether the interest accrued between XX/XX/year>, and the transfers completion could be retroactively removed. A XXXX customer service representative informed me that such an adjustment would not be possible. 

This situation feels fundamentally unfair and potentially illegal. I am being denied the ability to make payments or pay off my loan while interest continues to accumulate every day. Borrowers should not be penalized financially due to delays caused entirely by the loan servicers during a transfer process. Servicers are obligated to provide borrowers with a mechanism to manage their loans at all times, even during servicing transitions. 

The lack of access to my account or any interim solution has placed me in a situation where I am incurring unnecessary financial harm through no fault of my own. I request that the CFPB investigate this matter to determine whether XXXX and XXXX are in compliance with federal regulations governing loan servicing transfers. I also request assistance in ensuring that the interest accrued during this period is removed and that processes are implemented to prevent this from happening to other borrowers in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
XXXX. Checked Experian credit report and found company reporting {$670.00}. Delinquency/ write off. Have no idea who company is or what {$670.00}. Write off is for, 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: Fidelity National Financial, Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX in your letter are no truth no facts. I first purchased my home XX/XX/XXXX and not my wife but it were I that refinanced on XX/XX/XXXX to XXXX XXXX and transferred to XXXX  at no time did I ever do a mortgage with XXXX, A lie. I see that you never mentioned my loan number XXXX thank you tells me you know who it belongs to and if not just review just confirmation numbers as XXXX and XXXX. Multiple dates are given now over XXXX decades XXXX XXXX fake SSN XXXX says he purchased several dates including on court record XX/XX/XXXX you say in your letter XX/XX/XXXX your attorney says XX/XX/XXXX in an email in XXXX. Currently pending on the CFPB portal against century XXXX ending XXXX asking them and refin about false advertising that XXXX XXXX is owner and purchased on XX/XX/XXXX with XXXX XXXX and both century XXXX. XXXX XXXX CFPB ending XXXX letter dated XX/XX/XXXX investigated and concluded " NO FORECLOSURE '' and the property went back to chase. Your client fake doctor and XXXX XXXX professor on loan applications had XXXX fake XXXX degrees I reported as XXXX PENDING. Also, wrongfully lying that he is the owner imposed on judge XXXX as she has said since XXXX and complaint against her are pending since XX/XX/XXXX as JTC # XXXX. He cash XXXX chase checks in my name XXXX handledd by det. XXXX XXXX XXXX. Explain why I have XXXX inquiries recently on my credit file from XXXX Treasury. 

Please tell the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Subject : Disputing Information in Credit Report DiscoverBank credit account beginning with XXXX, is inaccurate because they listed the debt of {$920.00} as a Profit and Loss Write Off ; however, I did not receive a 1099-C from Discover. I am requesting that Discover Bank have the item removed, if they do not provide me with a 1099-C for the aforementioned debt. Without the 1099-C I can not claim the debt as income on my taxes. Furthermore the date of Last Activity is incorrect because I made my last payment on XXXX XXXX and it shows the last activity date is XXXX XXXX. Discover also sold my debt to XXXX XXXX XXXX but did not list that on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: ID

Complaint narrative:
On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide me with the names and business addresses of each individual with which you verified above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation

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 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: AmeriCash Holding LLC
State: CT

Complaint narrative:
I XXXX XXXX was contacted on XX/XX/year> by a company named Speedy Loans XXXX located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The lady stated they had a loan available for {$4000.00} and I accepted the loan. I provided my bank account and routing numbers.They provided documentationwhich I downloaded on my phone incuding the terms for 36 months at {$120.00} per month. I was prompted on my phone to accept the loan. I did not sign a document online. Everthing was done online or through phone.They stated that since my credit score was on low end they would need an additional verification step which was purchasing a {$200.00} XXXX gift card and providing the card info in order to process the loan. I completed this step and was told loan would be deposited shortly. The loan money was never deposited. I talked to a gentleman the next day morning and he stated the loan would be processed but was taking a little longer because of verification process due to my lower credit score. This was on XX/XX/year> This was the last contact I was able to make with the company. Ever attempt and i have tried numerous times either is a busy phone or a voicemail to an extension. For protection I have since changed my bank account number. I contacted a business under the name XXXX XXXX under the same address and someone there told me this Speedy Loan name is a fraudulent company. I also filed a report on ftc.gov website as well. Thank you for your assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-15 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The original creditor was XXXX. 
Account # : XXXX XXXX XXXX XXXX Account # : - XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX, personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

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 2024-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXX store credit, underwritten by Comenity XXXX XXXX is accessing an APR of 35.99 %. The charge is submit to a 6-month promotional. During account opening and in-store promotion, the account did not disclosure a PROMOTIONAL PLAN FEE ( PPF ). Upon receipt of my first billing statement, a PPF of {$9.00} was added to the chargeable balance of {$480.00}. This PPF is a classic XXXX XXXX XXXX. I challenged the PPF via call on XXXX XX/XX/XXXX, and the Rep declined to dismiss/waive the PPF. In addition to this complaint, I will pay the entire balance in full and close the account. Resolution : Return of PPF via refund check ( delivery via USPS to address on account ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-15 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX Equifax Fraud Division XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Identity Theft and Credit Report Inaccuracies FTC Report # : XXXX Dear Equifax Fraud Division , XXXX, XXXX XXXX XXXX am submitting this complaint on my own behalf, without third-party representation, to address issues related to identity theft and inaccuracies in my credit report. 

Attached are a new Identity Theft Report and a Consumer Financial Protection Bureau ( CFPB ) complaint. Additionally, I am formally disputing erroneous information that has negatively impacted my credit profile and resulted in a recent denial of credit. 

Despite my efforts to improve my credit standing, Equifax continues to report inaccurate and outdated information, which has significantly harmed my creditworthiness and restricted my access to essential financial services. These errors are preventing me from securing loans, renting properties, and accessing other critical financial resources necessary for personal and economic advancement. 

I am requesting an immediate review of my credit report, correction of the inaccuracies listed below, and an update to my credit score. Given the far-reaching consequences of these errors, I trust that this matter will be handled with the urgency it requires. 

The accounts in dispute are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX XXXX XXXX  {$630.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$350.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  {$1300.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$18000.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX. XXXX ( Collection ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX. XXXX ( Collection ) XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$16000.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$680.00} I look forward to your prompt attention and resolution of these matters. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation