vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi closed my credit card account during the conversation with out reading disclosures. phone was cut off so I thought my account was still active but it was closed when I checked online. I asked Citi to re-activated but they informed me that I have to apply for re-open which I did and City declined my re-open request saying I have existing Citybank card was past due. I have no delinquent on my credit report it was missed place auto pay on their website and I got charged for late fee so argument was started. I paid for late fee but it was still in grace period and not even late enough to report to credit bureau. I feel so discriminated both on the phone talking to supervisor and rejected my re-open request by Citi Bank. 
Received a letter from Citi dated XX/XX/2019 stated I have to release credit from frozen. 
I called credit bureau and unfrozen and called Citi on XX/XX/2019 notify them it's released. 
I called to check my application couple of times but never got updated. 
I sent out the letter asking what's going on with my application dated XX/XX/2019. 
After one and half month after I received a letter saying it was declined. 
Please see attached letter dated XX/XX/2019 and XX/XX/2019.

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 2019-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
No actions was taken still showing up on my credit report the date the name of the company is debt solutions I have kno knowledge of these 2 accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize any of the following inquiries on my equifax report and I do not recognize any of them other than one

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Assoc. XXXX XXXX - Operations Manager. Telephone Call. 
Repeated calls, rude and abusive language and behavior. Call was at a very inconvenient time will I was giving my XXXX year old mother-in law daily medication and making diner for my grandson. The call was made at XXXX on XX/XX/19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
On Thursday XX/XX/2019 XXXX I call the XXXX XXXX to try to resolve this problem because they have been harassing my XXXX XXXX XXXX aunt calling he several times a day and using abusive language on how she need to resolve this matter. I was paying the amount out of my account until I made contact with the Nissan Motor Acceptance Corporation when they advised me that they wasn't receiving any money on this account because the account has been closed. The amount owed is the amount that the gap insurance didn't pay. On this day I advised XXXX XXXX XXXX that I will no longer allow them to take money out of my account. If they send it to me in the mail with a break down of where the money that has already been paid I will pay the bill with no problem. Ms. XXXX stated that isn't the way it is going to be done. She will tell me how it is going to be done. Ms. XXXX have called me several time over and over again being rude. She has harassed my aunt almost in to a nervous break. They are calling everyday several times a day. Ms. XXXX stated it has to come directly out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Due to ongoing violations by Chase of CFPB bulletin XX/XX/XXXX with regard to our inheritance of my deceased father 's house and our rights as verified successors in interest, my wife and I filed a revised RMA application with Chase via fax/letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Included with that RMA application was a letter from Chase dated XX/XX/XXXX in which Chase stated that we needed to submit certain documents to them by XX/XX/XXXX, which we did. 

Among the documents requested was a copy of the homeowners insurance policy or declarations page showing proof of homeowners insurance for the subject property. We provided this documentation to Chase on XX/XX/XXXX. However, we received a letter from Chase on XX/XX/XXXX ( dated XX/XX/XXXX and addressed to our deceased father who died on XX/XX/XXXX XXXX in which Chase incorrectly stated that we understand that insurance company provides coverage for the period of XX/XX/XXXX to XX/XX/XXXX ( this is wrong - our documentation shows XX/XX/XXXX-XX/XX/XXXX ). The letter further states that However, the names read as [ my wife and I ]. Our records show your name reads as [ my deceased father ]. Therefore, we are unable to accept this evidence of insurance coverage. 

It is physically impossible for my father who died in XX/XX/XXXXto purchase the homeowners insurance coverage himself. Furthermore, it is illegal for my wife and I to purchase insurance in the name of a deceased person. However, the letter indicates that Chase is wanting us to commit identity theft against my deceased father in order to obtain the insurance coverage Chase specifically requested. This is deeply disturbing and grossly unethical. 

We provided Chase with EVERY single document requested in their XX/XX/XXXX letter prior to the indicated deadline of XX/XX/XXXX. Please explain your position with regard to this urgent and troubling matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Just edit the way you see fit. This the mumble jumble I wrote below. 

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. XXXX   Inquiry from XX/XX/XXXX, XXXX XXXX, Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX & XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I received a text message from Comenity XXXX XXXX Fraud Department about suspicious activity from XXXX/XXXX ( XXXX ) amount {$67.00} on that same day XXXX made an online purchase of a GPS from XXXX XXXX XXXX XXXX in NY ( XXXX ) amount {$120.00}. I just used my card to pay for the GPS but my information was stolen at the same moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX   XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX  XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX  XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX  XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I MADE A HOTEL BOOKING AT THE XXXX XXXX XXXX VIA XXXX ON XX/XX/XXXX FOR XX/XX/XXXX AND ON XX/XX/XXXX TRIED TO CANCEL THE RESERVATION BECAUSE THE VISA WAS DENIED. XXXX TRIED TO REASON WITH THE HOTEL BUT THE HOTEL CHARGED MY CARD. I TRIED SPEAKING WITH THE MANAGEMENT BUT THEY WILL NOT REVERSE THE CHARGES. I DISPUTED WITH MY BANK ( BANK OF AMERICA ) HOPING FOR A SENSIBLE RESOLUTION BUT THE BANK IS TAKING SIDES WITH THE HOTEL. I MADE A DISPUTE FOR THE CHARGES ON XX/XX/XXXX AND ON NOT GETTING ANY KIND OF LETTER I CALLED THE BANK ON XX/XX/XXXX ONLY TO BE INFORMED THAT NO DISPUTE WAS LOGGED. I THEN TOLD THE AGENT THAT IT WAS NOT ACCEPTABLE THAT I HAD TO FOLLOW UP ON MY DISPUTE WHICH WAS SUPPOSED TO BE LOGGED ON THE XX/XX/XXXX WHICH WAS NOT. 
ON XX/XX/XXXX I GET A LETTER FROM BOA THAT THEY ARE UNABLE TO RESOLVE THE CHARGES STATING MERCHANTS HAVE THEIR OWN CANCELLATION POLICY AND BOA CAN NOT INTERVENE. 
I CALLED BOA ON XX/XX/XXXX TO INFORM THAT I WAS NOT HAPPY WITH THE RESOLUTION AND THAT I NEEDED MORE INFORMATION ON HOW THE ISSUE WAS INVESTIGATED AND HOW DID THEY REACH THE DECISION THAT THE MERCHANT WAS RIGHT TO CHARGE MY CARD FOR NO SERVICES PROVIDED. 
THE AGENT MS XXXX FROM TENESSEE LOCATION FAILED TO PROVIDE ME ANY INFORMATION. ON ASKING FOR A SUPERVISOR SHE TOLD ME ALL SUPERVISORS ARE BUSY AND THAT I WILL BE ABLE TO GET A CALL BACK AT XXXX. WHEN I TOLD HER THAT I AM WILLING TO HOLD THE LINE FOR ANOTHER 3.5 HRS SHE TOLD ME SHE CAN NOT PUT ME ON HOLD FOR THAT LONG. I TOLD HER THAT I WILL NOT BE ABLE TO TAKE THE CALL AT XXXX BECAUSE I WILL BE AT WORK. SHE PUT ME ON HOLD AND AFTER 20 MINUTES A SUPERVISOR BY THE NAME XXXX WHO SOUNDED UPSET WITH MY INSITANCE TO HOLD ANSWERED ME RUDELY AS TO HOW HE CAN HELP ME. ON REMINDINING HIM THAT I WAS IN CONVERSATION WITH XXXX HE THEN STATED OH ITS ABOUT THE {$690.00} DISPUTE. I TOLD HIM YES IT WAS AND ALL I WAS REQUESTING IS INFORMATION ON HOW THEY REACHED THE CONCLUSION THAT THE HOTEL IS RIGHT IN CHARGING MY CARD FOR NO SERVICES PROVIDED. XXXX STARTED ARGUEING WITH ME AND GAVE ME THE SAME ONE SENTENCE ANSWER I GOT IN THE LETTER. ON BEING TOLD THAT I WILL NOT STOP DISPUTING THIS CHARGE AND FOR THAT I NEED MORE INFORMATION AS TO WHERE DOES IT STATE ABOUT THE CANCELLATION POLICY BECUASE THE HOTEL WEBSITE DOES NOT STATE ANYWHERE ABOUT ITS CANCELLATION POLICY. HE STATED HE WILL SEND ME A LETTER IN MAIL. 
I WANTED MORE INFORMATION FROM MY BANK WHICH IT FAILED TO PROVIDE ME. 
IN VIEW OF THE ABOVE IT IS REQUESTED THAT BOA BE INVESTIGATED AND A RESOLUTION BE PROVIDED TO ME IN THIS DISPUTE BECAUSE {$690.00} IS MY ONE WEEK PAY CHEQUE. 

THANKING YOU FOR YOUR TIME AND CONSIDERATION KIND REGARDS 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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Just edit the way you see fit. This the mumble jumble I wrote below. 

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX XXXX, Inquiry from XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX & XXXX XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX & XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX, XXXX 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, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX 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 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There have been multiple times advising the company that the accounts are not mine. XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA 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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : 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 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 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my husbands card was declined while trying to make a purchase. We contacted ally and they wanted to verify a transaction that was done around XX/XX/XXXX. We confirmed it was our charge and they fixed the error. On XX/XX/XXXX, my husband went to make a purchase and was declined again. He tried to access the mobile app to see what was going on and was denied access. We called customer service and they stated they could not tell us why as it had been assigned to special agent customer service and they could only contact us is 1-2 business days. We informed them this was unacceptable as we had plans for the weekend and needed access to our accounts. They refused to help stating they did not have access to what was going on with out account. There is plenty of money in our account, we were not notified they were restricting access and now we have to cancel our plans for the weekend because of some unknown error on their part.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: CA

Complaint narrative:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 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 XXXX XXXX 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 i HAVE SEVERAL NUMBERS THAT ARE NOT MINE ON MY FILES PLEASE DELETE/REMOVE THE FOLLOWING : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 explanation