vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon analyzing my most recent credit reports, I discovered that my personal credit file had been given inaccurate information. Experian, XXXX, and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and have continued to report unverified information without providing the documentation needed by law. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following inquiries to be stopped : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA., XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2022-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Had valid transaction in XXXX. Sender ( family member ) had fraud in their debit card and filed a fraud claim on specific venmo transactions with his bank. Appears  XXXX indicated all past two month XXXX Venmo are fraud and my credit he sent was part of it. Without a message or warning Venmo attempted to recall the funds from my account and now froze My account as it now negative based in the incorrect claim by XXXX. Without any explanation from Venmo im now calling and getting the run around from Venmo and now im told provide evidence. Why was this first not requested during their investigation and with a broad stroke im now locked out for 30-75 days and labled a fraudster. What kind of customer service is this Venmo? Beyond frustrating and poor customer service

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I am a victim of identity theft. I was harassed with calls from XXXX until XXXX by Flagship Credit Acceptance. I filed a identity theft report, police report, and a FTC Report and sent them in along with my license, social security card, and my utility bill. The company Flagship Credit Acceptance stopped calling and they removed the debt on XX/XX/XXXX. They reinserted the debt as a new account on XX/XX/XXXX. No reinsertion letter. No validation of debt. The debt is now reporting as a charge off and they no longer have the debt. Totally ruined my credit 15 USC 1681b-Permissible purposes of consumer reports 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2022-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
On XX/XX/2022 I did a transaction online which is {$1400.00} to deposit on my cousin bank account which is XXXX XXXX XXXXXXXX XXXX ( XXXX ). The money never get to my bank account. The transaction reference # XXXX. I included a copy of the transaction. I called them and file a claim they ignore it. They keep telling me it is under investigation. I contacted my bank which is wells to file a dispute they told me MoneyGram denied the dispute. When I called MoneyGram back they told me they are already issued a refund to the bank. When I called the bank they said no refund issue. I need to recover my money. I include a bank statements showing money never deposit on the receiver bank account.Please, I am looking forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I have filed for a copy of my consumer report several times over the past 2 months. They keep claiming they XXXX sent me a letter and then they will provide my with my report after I receive it. 

Then they send an email and ask that I verify my email address. 

3 steps to get a report that I haven't been able to receive still at this current time. 

My rights are being violated and I am unable to acquire the proper financing to support myself and my family. I have attached the adverse action notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Date opened XX/XX/2017 Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violating 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Credit Bureaus had not responded to my repeated requests for them to fix my credit file by totally erasing the items brought about by the theft of my identity. The letter I sent on XX/XX/XXXX to the Credit Bureaus was already my 11th written appeal to the Credit Bureaus for them to take action and correct my Credit File. When I sent a copy of the FTC report, it was made clear that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. I will give my records to my lawyer to start a legal action if the Credit Bureaus decide not to stop the other items listed below that are responding incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. I need the following items removed now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$6200.00} - XXXX XXXX Balance $ XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXX Balance {$19000.00} XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance - XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6500.00} XXXX XXXX XXXX Balance {$9700.00} XXXXXXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance $ - XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$3700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Credit Bureaus had not responded to my repeated requests for them to fix my credit file by totally erasing the items brought about by the theft of my identity. The letter I sent on XX/XX/XXXX to the Credit Bureaus was already my 11th written appeal to the Credit Bureaus for them to take action and correct my Credit File. When I sent a copy of the FTC report, it was made clear that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. I will give my records to my lawyer to start a legal action if the Credit Bureaus decide not to stop the other items listed below that are responding incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. I need the following items removed now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance {$6200.00} - XXXX XXXX Balance $ XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX Balance - XXXX XXXX  XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6500.00} XXXXXXXX XXXX XXXX Balance {$9700.00} XXXXXXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  XXXX Balance $ - XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To Whom It May Concern : I recently received a copy of my XXXX XXXX or Trans Union credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX  XXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To Whom It May Concern : I recently received a copy of my XXXX Equifax or XXXX XXXX credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX XXXXXXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loancare mishandled incoming payments and hence had a chronic issue with late posting and missing payments Loancare dropped the ball on responding to a payment inquiry. As a result of their mishandling mail and then not responding to an enquiry they never recorded the payment which was made by the consumer and conformed by the sending bank. 
Loancare did not acknowledge their inefficiencies and went ahead and just reported a late payment to the credit agencies. 
For no fault of the consumer and lack of proper accountability at Loancare the consumer credit was affected. 
Loancare has to be held accountable for their mistakes but instead since it does not affect them they keep on responding with excuses. 
Full detail on the case is attached which I request be read in detail. This evidence was sent to Loancare and they still responded stating that they did nothing wrong. They can not be allowed to be ignorant at the cost of a consumer. At this rate, the Mortgage company can do whatever they want and a consumer has no way to protect themselves. 

Please note that they will again respond that it is not their fault and that they have responded so. But they need to provide justification for all the points mentioned in the letter attached and can not just claim innocence and close the case. Else what is the point of the complaint if they can ignore the facts each time and just claim that they are not at fault?

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 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX  SOLD THE XXXX XXXX credit card to Comenity bank. Not having an invoice or payment address I sent a payment of {$400.00} in XXXX. I then followed that with a XXXX  {$1400.00} check. The {$400.00} payment was deemed late, and a fee charged. The {$1400.00} check was cashed on XX/XX/XXXX by Comenity Bank at XXXX  XXXX XXXX. It was never posted to my account. Calls were transferred to the next available Agent, but all anyone heard was beep, beep, beep, were sorry but you have reached a number that has been disconnected or is no longer in service. Numerous calls by friends, relatives and associates, /day/week ALL had the same result. 
We used the phone, because we could not log into the site.. ooops, a glitch has occurred. Please try again. Or we are updating our system, all you can do is pay your bill. I already paid my bill, I wanted to find out what happened to my {$1400.00}! I sent a XXXX payment of {$500.00} on the XXXX. ( actually I do not write checks. My bank, XXXX, sends the checks or transfers. ) I managed to login in mid XXXX, and electronically send a copy of the cancelled {$1400.00} check. Then no access for three weeks! I sent a letter with a copy of both the front and back of the check. Nothing! No email, no customer service reply and apparently no action. 

I was so frustrated that on XX/XX/XXXX, I requested XXXX XXXX  to send a {$6000.00} payment. Nothing happened! No site access, no email, no invoice, AND, still no action by Comenity bank! 

I mailed a Certified letter from XXXX, Texas to XXXX XXXX ( XXXX miles ) with printed copies of the cancelled check, it took over 10 days to receive the signed return XXXX  card. And the nothing has happened. 

So, when this all started, the balance was around {$7800.00}. XXXX XXXX has sent Comenity Bank checks in the amounts of : {$400.00}, {$500.00}, {$1400.00} and a {$6000.00}, at my request. A total of {$8300.00}. Today I was able to log in for the 1st time in over 1 mo., to see my XXXX statement. It says I need to send Comenity Bank a payment of {$490.00} by XX/XX/XXXX.!! 

Please help me with this gross financial problem. 

Graciously XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon analyzing my most recent credit reports, I discovered that my personal credit file had been given inaccurate information. XXXX, XXXX, and TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and have continued to report unverified information without providing the documentation needed by law. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following inquiries to be stopped : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon analyzing my most recent credit reports, I discovered that my personal credit file had been given inaccurate information. XXXX, Equifax, and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and have continued to report unverified information without providing the documentation needed by law. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following inquiries to be stopped : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation