BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-23
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ON XX/XX/2019 I DISCOVER UNAUTHORIZED INQURIES ON MY REPORT.SOMEONE TRIED TO OPEN UP ACCOUNTS IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is in violation of 15USC 1681 ( 2 ) ( A ) for reporting inaccurate information that I also was not notified 5 days prior to the reporting of these inaccurate accounts listed in the dispute letters I sent to them. It has been over XXXX  days since Equifax has been notified of their violation of the above section as well as '15USC 1681a ( 5 ) ; for allowing these companies, ( who are also in several violations and have been notified ) to furnish the following inaccurate accounts on my consumer report, without providing me with an original signed consumer contract with written authorization requested to furnish these accounts as per '15USC 1681 ( b ) '. 

Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account XXXX Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX  Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number : XXXX Date added : XX/XX/XXXX Company : XXXX XXXX Account Number Listed : XXXX Date XXXX : XX/XX/XXXX Company : XXXX XXXXXXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Their violations make these accounts inaccurate and by law they must be removed from my Consumer Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This loan is on its third processor in two year ( XXXX to Great Lakes to Nelnet ). The loan was not " redisclosed '' upon a huge payment being made that paid off 1/2 of the loan balance, and therefore was not " reamortized '' to compute the correct loan amounts and payments. Over time this has resulted in fees/penalties and higher interest than should be. None of the processors has made any efforts to fix this and now NELNET is misapplying payments and the loan balances have been going up on a monthly basis even though I pay more than the minimum and they show me as " paid ahead through XX/XX/2021 ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX is not reporting if this account is open or closed. 

That is rediculous!.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: STATE FARM BANK, FSB
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
State Farm Bank did an unauthorized hard inquiry on my credit report. I called State Farm Bank and made them aware on their mistake. The hard inquiry is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HELLO MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX   XXXX  XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX   XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED:XX/XX/XXXX AMT. XXXX XXXX   XXXX XXXX. 
OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDUKENTLY PLACED ON 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 I HAVE ENCLOSED MY POLICE REPORT, I ALSO FILED AN IDENTITY THEFT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a Amazon Rewards Card Visa held by Chase Bank. On XX/XX/XXXX, a charge was made on my card for {$1000.00} at XXXX XXXX. This is not my charge, as I was hospitalized at the time, and the card was in my possession. I also never shop at XXXX XXXX because my husband works for a direct competitor. Additionally, I never charge any amount close to {$1000.00} on the card. I reported the fraudulent charge, it was removed, my card number changed. Now Chase has put the charge back on my card, claiming its legitimate. It is not. I am a XXXX patient, can not leave home. I also dont shop online at XXXX XXXX XXXX Chase is an awful bank. My charging history on the card since XXXX bear out that I never charge {$1000.00} at once, and never in home improvement stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used the Apple Card backed by Goldman Sachs to purchase transportation services from XXXX XXXX. The services werent provided, including the company lying about them being scheduled. Goldman Sachs ruled in the companys favor that my deposit should not be returned. I provided email threads and contact details demonstrating my case. It didnt appear that anyone even read them before ruling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've asked BUDGET CONTROL SERVICES INC through a debt validation letter sent on XX/XX/21 along with a green return receipt to send me documents so that I can exercise my rights as a consumer to validate an alleged debt. BUDGET CONTROL SERVICES INC received the letter on XX/XX/21 and this debt collector BUDGET CONTROL SERVICES INC has not sent me any documents that I asked for they are violating my right to validate the alleged debt, I'm demanding an audit trail so I can validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : 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 2022-05-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-04-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX sold my loan XX/XX/2020 and still reporting to my credit as an open loan and it is making my debt to income ratio at 69 % because of the open status I called twice XX/XX/XXXX and XX/XX/XXXX they told me they cant remove the info for sixty days so for that I can refinance my loan.

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 2021-02-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I purchased furniture from XXXX in XXXX. They did not send the furniture complete. 
Said the parts would come in XXXX. I never received the bill and it caused me to go late on the report. I returned and got my money back and my late fees back but the late payment history is still my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: DISCOVER BANK
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I missed a payment because somehow my automatic payment was turned off. 
The problem I had with the whole process was that Discover card never sent me any kind of special email to alert me of the situation. I think they should be required to send an email that has missed payment - " ALERT - MISSED PAYMENT " or " LATE PAYMENT '' information right in the heading of the email. They did send me my generic email that they send every month that says my payment information can be obtained by logging in to my account. I thought my account was still on auto pay and when I got the regular email from them the payment information can be obtained by logging in I assumed everything was fine- had some some sort of alert I would have taken care of it right when I found out the payment was late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax has a Charged of Account appered as New. It is over 5 years old. First I signed to Equifax for the first time but I was  denied to access and to see my Credit Report. The Screen came back to call 800 #. I called Equifax told them the issue that I would like to dispute. The Equifax person want to Verify me, I gave him Full name, DOB, SS, Address and he told me he can only help me that I have to send Equifax with Photo ID like driver license or passports. Why do I have to furnish all this, after I gave the Important Info. 
I am XXXX  XXXX  for STATE of XXXX- XXXX ( XXXX ) I know my job how to Verify Someone. 
Now, I believe my information was compromised when Equifax had DATA HACKED. Probably I May be one of them, I have never was notified me that my personal info was COMPROMISED. 

1. I want Equifax to remove those collection Account from XXXX XXXX. 
2. I would like Equifax to FREEZE selling my name or to be used promtional. 
3. I want a letter from Equifax that my personal DATA Status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: LendUp Loans LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, Around XXXX - XXXX of 2016 i fell victim to identity theft and my information was used to illegally apply for a loan from this company.This company allowed a fraudulent account to be opened in my name without my permission. 
I have been trying to reach them at the addresses listed on my credit report through certified dispute letters to get this cleared up for years to no avail. I also disputed the account with the 3 major credit bureaus only for them to respond to the bureau that the is " Valid and Verified '' while the company has not attempted to respond to any of my mails or try to fix this issue. I have suffered losses with this account reporting falsely on my credit. I had never heard of this company until they started reporting on my credit. All I want is them to remove this false data on my credit. 

This company is facilitating criminals in stealing identities and opening false accounts and allowing fake electronic signatures which basically waive your rights and enters you into some Arbitration Agreement. 

Company name : FLURISH INC DBA LENDUP XXXX XXXX, XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, 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 2022-05-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XXXX, XXXX, XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation