vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
Regions Bank is the company name. 
I acquired a homeimprovement loan for a new HVAC in XXXX of 2023. 
I try to include extra payments to pay it off quicker. Extra payments have been going to future payments which I do not like. I expect extra payments to go to principal, I have contacted Customer Service and usually get nowhere. The payment I made in XXXX really was shocking. The monthly payment is {$140.00}. The total loan is XXXX. I paid {$100.00} the first week of XXXX and paid {$100.00} two weeks later to pay less interest which is accrued daily at 9.99 %. When I received the monthly statement both {$100.00} payments had gone to interest only. I am already ahead since they have been putting extra amounts to future payments. I printed out the statement and took it to a local branch. The bank XXXX  who helped me could see my account but no information about it. She gave me the Mortgage CS number. I called it and they could not verify my information thru the automated system, I could not get connected to a real person. This has also hurt my credit score because it gets reported every month that the account is closed. It is not and I have XXXX XXXX contact them twice to correct this.

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 2024-12-03 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: NC

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-12-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Applied for a HELOC with Truist Bank to redo our kitchen and consolidate debt on XX/XX/year>. Received an approval on the loan. Set up the appraisal and appraiser came out on XXXX, XX/XX/year> and did an inspection. We then proceeded to remove the kitchen cabinets as the appraisal was done. We then received a call on Monday, XX/XX/year> from another appraiser that he needed to do a full appraisal on the home, we did not hear anything from our banker, XXXX XXXX at Truist in regards to needing a new or a full appraisal. The appraiser came out and was not able to do a full appraisal but would be a subject to completion. 
Truist then cancelled that appraisal without notice to us and informed us that we needed to complete the kitchen before a value could be given. 
We paid for our kitchen out of pocket to be completed, only to have received an email on XX/XX/year> that our loan was cancelled. 
I called XXXX XXXX at Truist Bank to inform her of the email, she said she would discuss with the underwriter. I have not received a response and she has not returned any of my calls or voicemails. 
I am also unable to look at previous emails to show the communication on the matter, as they have been deleted from the Truist server, I only have a certain amount of time to read.

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 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
got a letter stating {$200.00} of unpaid intrest accrued on my loans despite my loans being placed in forbearance from XX/XX/year> until further notice. Document stated the interest rate was set to 0 %

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX  XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} 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 2024-12-03 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: MOHELA
State: MN

Complaint narrative:
I am on the SAVE repayment plan. Because of pending litigation, my loans are currently in forbearance - against my wishes. If I was allowed to be paying, I would be paying. When this decision was forced upon me and my loans, I was told that this time would NOT count towards my PSLF payments- which is not only wrong but absolutely ridiculous- but at least I would have a 0 % interest rate during this time. Today, I received an email from my servicer, MOHELA, stating that there is, in fact, interest accruing during forbearance. Make it make sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : Assistance Needed to Resolve Missing Check Issue XXXX Dear Consumers Protection Bureau, My name is XXXX XXXX, and I am reaching out regarding an issue with a XXXX XXXX  payment check I received for serving during the XXXX XXXX on XX/XX/year>. 

Details of the situation : I received a check for {$180.00} on XX/XX/year>, and deposited it the same day into my American Express Serve Visa account ( # XXXX XXXX XXXX XXXX ) via remote app deposit. 

On XX/XX/year>, after numerous follow-up calls, I was informed that the check had been declined by AMEX Serve XXXX XX/XX/year>, and then cashed on XX/XX/year>. 

I attempted to redeposit the check into my XXXX XXXX account, but the transaction was declined the next morning, and I was advised not to try again as it was flagged as a duplicate deposit. 


I have never successfully cashed this check, and I am unsure of its current status. It appears to have been lost in the process. I have enclosed copies of the check and the initial deposit to AMEX Serve for your reference. 

Could you please assist me in tracking down what happened to this check and resolving the issue? 

Thank you for your time and attention. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MS

Complaint narrative:
In XX/XX/XXXX I was contacted by XXXX XXXX XXXX XXXX XXXX and was told that they would help me to consolidate my credit cards.And I was sent money through global holdings.My money will be safe there until they reach the settlement with my credit card Companies. It has been a year later, and I just received a letter from XXXX XXXX  And they were no longer able to represent me as they had a lawsuit proud against them and I was to contact global holdings to be able to receive or withdraw my honey, I have tried calling them several times leaving messages and no one has responded back to me. I have done this since Monday XXXXXXXX XXXX XXXX XXXX XXXX and today XX/XX/XXXX noone has contacted me. 
I was making payments of {$440.00} a month when I last looked at the account. As of XX/XX/XXXX there is XXXX dollars in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Thank you for your immediate attention. 
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this time frame, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-03 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:
I am a victim of a data breach and identity theft. As a result, the following unauthorized inquiries and accounts have appeared on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the listed accounts and inquiries from my credit report immediately. 
Unauthorized Accounts and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: MO

Complaint narrative:
I am a victim of a data breach and identity theft. As a result, the following unauthorized inquiries and accounts have appeared on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the listed accounts and inquiries from my credit report immediately. 
Unauthorized Accounts and Inquiries : 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 EXPERIAN BUSINESS CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CREDIT 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 explanation
Consumer complaint received 2024-12-03 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 am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which compromised my personal information, and the entries detailed herein are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information blocked from my credit file. 
Fraudulent Accounts : 1. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 2. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 3. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 4. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 5. DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$00.00} 6. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 7. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 8. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 9. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 10. DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$00.00} 11. DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$00.00} 12. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 13. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 14. DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$00.00} 15. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-03 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 am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which compromised my personal information, and the entries detailed herein are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information blocked from my credit file. 
Fraudulent Accounts : 1. DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} 3. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 4. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 5. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 6. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 7. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 8. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 9. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 10. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 11. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 12. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 13. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 14. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 15. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 16. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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