vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I opened a Citi XXXX XXXX savings account on XX/XX/21 after I was solicited by Citi to open the account due to being approved for an XXXX XXXX XXXX XXXX XXXX credit card. Per the solicitation, I was supposed to receive XXXX XXXX XXXX XXXX miles in exchange for depositing {$200000.00} dollars into the Citi XXXX XXXX savings account. The miles were supposed to be deposited 90 days after the funds were received. My {$200000.00} deposit posted two days after I opened the account. Citi repeatedly tells me that the miles will be posted soon but they continue to not to fulfill their obligation even though it has been almost 2 months since I fulfilled mine. Between this issue and Citi having withdrawal limits that almost make it impossible to gain access to your funds, the entire experience has been unacceptable.

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 2021-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX ; XXXX ; XXXX my estranged daughter XXXX XXXX, entered the Chase Bank in XXXX NJ XXXX and was allowed to withdraw {$92000.00}, fraudulently from my checking account.. I assume, XXXX told the banker I was unable to make any decisions and I was in a Nursing Home. That was a lie. On XX/XX/XXXX my daughter XXXX XXXX XXXX XXXX, demanded another {$120000.00} from me, after I already gave her {$50000.00} in XX/XX/XXXX, from the proceeds of the sale of my house, located at XXXX XXXX XXXX, NY XXXX. I lived there for 46 years.I worked for XXXX  for over 13 years. I know banking law and banking rules. I was XXXX bankers located in XXXX XXXX, NY. The banker in XXXX NJ failed to confirm if what my daughter stated was true. In addition the banker never confirmed if the POA, which I signed, in XXXX XXXX NY in XXXX of XXXX, was XXXXA bank must act in a fiduciary manner to protect a customers assets. In fact, my daughter XXXX XXXX, was removed as my agent, of my POA on XX/XX/XXXX, by e mail I sent her via XXXX. I can forward you a copy upon request mail. The banker failed to compare XXXX signature to tge signature on her drivers .I obtained copy of two withdrawal slips for {$46000.00} each. The signature does not look like my daughters signature. I suggest you ask Chase for a copy of my daughters NY Drivers License. The banker should if made a copy of her license..I accuse the Chase banker at XXXX XXXX NJ XXXX for XXXX her fiduciary responsibilities to safeguard my money. Due to Chase Banks negligence, My daughter, XXXX, was wrongfully allowed to take out {$92000.00}, in two separate {$46000.00} withdrawal slips, from my checking account.. The signature doesnt look like my daughter ) s signature. Please request, Chase bank video for XXXX ; XXXX ; XXXX. The banker failed to call XXXX XXXX, where I was taken on XX/XX/XXXX, after my daughter XXXX  me in my XXXX. My XXXX  XXXX  were XXXX. After one day, I was sent to XXXX XXXX in XXXX NJ, I had and still do have, all my mental faculties. I-have a XXXX XXXX and Chase owes me {$92000.00}, They failed to protect my money. Please order Chase to put {$92000.00} back into my Chase Account.I am XXXX XXXX XXXX and I need the money to relocate back to XXXX near my doctors.I must obtain needed Medical care. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler is a terrible harrassing debt collector. My debts are in order. Their info and constance for nearly 16 years! Must END. I do not owe XXXX I do not owe XXXX XXXX XXXX They are 3rd party charged off accts closed w my divorce attorney during my XXXX battle in XXXX. Please cease their mailings. I can not deal with any collectors! They were told repeatedly to stop. Their letters to my jobs. Enough! I am a patient at XXXX XXXX XXXX. I pay my home car and medical and utiluties only. I am not bringing back charged off debts from my 1st XXXX. Any accts were closed properly with XXXX XXXX years ago. Tell them to stop contacting me. I called NJ Ethics Div numerous times. I filed with CFB years ago. Why do they not cease!? My career js ending XX/XX/XXXX my co. Is not doing well. I am a XXXX patient and single parent. I am trying to find a new career and take care of my health. Please contact them asap. Also XXXX XXXX get them to remove off my credit report. My car was protected under lemon law in XXXX. They had a class action against them too. Please square away both. I am not well to handle all this unnecessary stress. Pressler XXXX of NJ first and foremost has incorrect and old old old info They buy charged off debts and harrass people. XXXX was XXXX and a refinance. Handled properly. Adv Assets i have no debt ever for. So please or I will file a police report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: LTD Financial Services, L.P.
State: NJ

Complaint narrative:
XXXX is a terrible harrassing debt collector. My debts are in order. Their info and constance for nearly 16 years! Must END. I do not owe XXXX I do not owe Asset Advantage Co. They are 3rd party charged off accts closed w my divorce attorney during my XXXX battle in XXXX. Please cease their mailings. I can not deal with any collectors! They were told repeatedly to stop. Their letters to my jobs. Enough! I am a patient at XXXX XXXX XXXX. I pay my home car and medical and utiluties only. I am not bringing back charged off debts from my 1st XXXX. Any accts were closed properly with XXXX XXXX years ago. Tell them to stop contacting me. I called NJ Ethics Div numerous times. I filed with CFB years ago. Why do they not cease!? My career js ending XX/XX/XXXX my co. Is not doing well. I am a XXXX patient and single parent. I am trying to find a new career and take care of my health. Please contact them asap. Also XXXX XXXX get them to remove off my credit report. My car was protected under lemon law in XXXX. They had a class action against them too. Please square away both. I am not well to handle all this unnecessary stress. XXXX XXXX of NJ first and foremost has incorrect and old old old info They buy charged off debts and harrass people. XXXX was XXXX and a refinance. Handled properly. Adv Assets i have no debt ever for. So please or I will file a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: SLM CORPORATION
State: TX

Complaint narrative:
Addresses and phone numbers I've never had. Same information keeps coming back. My social security has been used for bills I've never got. I have fraud on my social security. Fraud on my workforce commissions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I retrieved a package from XXXX from my mailbox on XX/XX/XXXX. Upon opening the package, I saw that the merchant did not send the correct number of items. I had ordered 4 packs of 5 items, but I had only received 4 packs of 1 item. I reached out to the vendor on XX/XX/XXXX and then began the return process on XX/XX/XXXX. I indicated that my reason for returning the items and requesting a refund was due to missing 16 items. I also indicated the merchant must cover the cost of the return label for the 4 items that I was returning. The merchant asked for pictures, and so I sent pictures to show that they sent packs of one rather than packs of five. 

I filed a dispute with Citibank on or about XX/XX/XXXX or XX/XX/XXXX because XXXX was not resolving the matter. After I filed the dispute, either XXXX or the merchant or XXXX provided a return label and said to ship the item back by XX/XX/XXXX to claim the refund ( refer to " XXXX message 08 ... ''. ). The returned items were received by the merchant on XX/XX/XXXX at XXXX XXXX ( refer to " XXXX - ReturnTRACKING ... '' and " XXXX - ReturnDetails. '' ) Citibank did not resolve the dispute and, on XX/XX/XXXX, indicated that I was responsible for the dollar amount. I submitted documentation to show that I am owed a full refund from XXXX. However, on XX/XX/XXXX, Citibank determined again that I am responsible and asked that I show evidence that XXXX merchant would issue a refund. The evidence had already been provided in the documentation that I had sent. Again, refer to " XXXX message 08 ..., '' " XXXX - ReturnTRACKING ..., '' and " XXXX - ReturnDetails. '' The messages and the tracking information are all attached. The last message that I sent on XX/XX/XXXX to XXXX merchant was not replied to by the merchant or XXXX. The bottom line is I paid for 20 masks so that I would have them and could wash them for my children to wear to school before XX/XX/XXXX, I only received four masks from the merchant, I returned those four masks, and I never received any refund.

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 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
EXPERIAN REPORTING HAS VIOLATED THE LAW AND REFUSED TO GIVE CREDIT REPORTS ETC. THEY WILL TAKE YOUR MONEY BUT WILL NOT COMPLY WITH CFPB RULES. THEY ARE A FRAUDLENT COMPANY.

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 2021-10-03 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: NC

Complaint narrative:
Transunion displays innacurrate employer XXXX XXXX. I do not work for XXXXXXXX XXXX I work for XXXX. Explained this before

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 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE CLOSED MY CREDIT CARD IN XX/XX/XXXX AS STATED ON XXXX 'S STATEMENT. THEY HAVE CHANGED DATE ON MY CREDIT REPORT 3X BUT HAVE NOT REPORTED DATE THEY TOLD ME IN WRITING THEY COLSED IT. THERE WAS A BALANCE ON ACCOUNT AT THE TIME OF CLOSING. THWY THEN REPORTED A LATE " CREDIT CARD PAYMENT '' IN " XXXX ON A CLOSED ACCOUNT. 

IN XXXX OF XXXX I MADE A PAYMENT. 

ONCE CARD IS CLOSED THERE IS NO LONGER A " REVOLVING DEBT OWED '' AND NOT 2 MONTHS... 

THEY ARE KNOWINGLY REPORTING WRONG INFORMATION. THIS HURTING MY CREDIT AND SCORE. I HAVE DISPUTED WITH XXXX AND XXXX XXXX THWY ALL CLOSE DISPUTE AS RESOLVED AND UPDATED ... YWT ONLY UPDATES ARE CHANGING OF DATES WHICH STILL ARE NOT CORRECT. THEY HAVE NOT ADDRESSED ANY LATE PAYMENT ISSUES IVE DISPUTED. XXXX LATE PAYMENT IS STILL THERE. AS WELL AS A LATE PAYMENT ISSUES XXXX - XX/XX/XXXX WHERE I WAS INCARCERATED  ... SENT MY UNCLE IN TO A STORE IN XXXX AND XXXX OF XXXX WITH A NOTARIZED POWER OF ATTORNEY WITH CAPITAL ONE LISTED EXPRESSLY AS SOMETHING MY UNCLE WAS AUTHORIZED TO HANDLE FOR ME... THEY REFUSED HIM ANY INFO ABOUT MY ACCOUNT ... WOULD NOT TAKE MY PAYMRNT... THEY TURNED DOQN MY MONIES WITH LEGALIZED DOCUMENTATION AND A VALID ID ... .THEN THEY PUT ME DOWN AS BEING LATE. PLEASE CONSUMER CREDIT HELP ME HERE AS I FOLLOWED LEGALIZED WAY TO GET THEM PAID. AND THEY REFUSED TO TAKE MY PAYMENT. HOW AM I LATE IF YOU REFUSE MY PAYMENT. HOW IS THAT ... YOU REFUSE MY PAYMENT ... .LEGALLY NOT ABIDEBY DOCUMENTATION THE COURTS SAY IS VALID IF SIGNED AND NOTARIZED AND ID MATCHIND NAME IS PRESENTED ... .SO THEY BASICALLY TURNED DOWN A PAYMENT FROM ME... BUT I AM LATE ... HOW CAN THAT BE LEGAL OR EVEN FAIR. IVE HAD XXXX  FRIENDS DO THE SAME AND THEY WERE HELPED ... .ID HATE TO THINK SAY AND OR TELL PEOPLE THAT THIS WAS SOMETHING RACIST ... .HE WANTED TO MAKE A PAYMENT ... EVEN TOLD REPRESENTATIVE THAT HE DID NOT NEED INFO... HERE IS MY INFO... JUST MAKE PAYMENT... AGAIN REFUSED ... .BUT ... NOW ... I AM LATE. PLEASE HELP ME ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Please refer to complaint XXXX. This complaint was considered a duplicate of an open case XXXX and closed on XX/XX/21. 
I would like to have the case reinstated as it is not a duplicate complaint. 
Some of the issues were previously reported, however, there continues to be flagging and profiling of my account. 
Most important and not addressed is the illegal action of holding my Direct Deposit Social Security funds. This prevented the payment of my rent, utilities and other time sensitive payments. It took me hours to get someone to research the reason for the hold being placed and finally threaten a lawsuit for illegally holding Social Security funds. I was not provided a reason, but I know it was because of flagging and profiling which is Discriminatory. 
The latest fiasco was explained in detail in the closed complaint. 
To date, PNC has not responded to XXXX nor to my direct messages to them about the one XXXX closed as duplicate. It IS NOT a duplicate. It is a reiteration of the illegal practices which continue. 
XXXX is supposed to oversee consumer abuse and ensure there is not illegal activities by the financial institution. Just sending the complaint to the bank and relying on their honesty and integrity to address and correct the problem does not work. 
The complaints are not taken seriously and any wrong doing continues with no consequences for the financial institution. 
If a person continues to file complaints they are considered an Annoyance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc.
State: PA

Complaint narrative:
First Financial Asset Management did not disclose that I, the consumer, could dispute the debt. I, the consumer, have paid almost 2,000 in alleged debt. I, the consumer, have sent a cease and desist, affidavit of truth, exhibits and invoice to remedy. First Financial Asset Management received the material on XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
There is a Victoria Secret Card on my Credit Report. I never had a Victoria Secret Credit Card. Im a single male. What would I want with a Victoria Sevret Card! They sell Womens items only! Womens Underwear, womens lingerie, womens undergarments, womens clothes, womens swimsuits, etc.. I can assure you I can not wear or use anything that Victoria Secret sells.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
To start, I didn't receive a written notification from convergent outsourcing about the debt. I sent a certified letter to validate/verify the debt dated XX/XX/2021 and it has been well over 30 days and I haven't received a reply. I did however received the return receipt showing the letter was received by the company.

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 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX CLOSED MY CREDIT CARD IN XX/XX/XXXX AS STATED ON XXXX 'S STATEMENT. THEY HAVE CHANGED DATE ON MY CREDIT REPORT 3X BUT HAVE NOT REPORTED DATE THEY TOLD ME IN WRITING THEY COLSED IT. THERE WAS A BALANCE ON ACCOUNT AT THE TIME OF CLOSING. THWY THEN REPORTED A LATE " CREDIT CARD PAYMENT '' IN " XXXX ON A CLOSED ACCOUNT. 

IN XXXX OF XXXX I MADE A PAYMENT. 

ONCE CARD IS CLOSED THERE IS NO LONGER A " REVOLVING DEBT OWED '' AND NOT 2 MONTHS... 

THEY ARE KNOWINGLY REPORTING WRONG INFORMATION. THIS HURTING MY CREDIT AND SCORE. I HAVE DISPUTED WITH XXXX AND XXXX XXXX THWY XXXX CLOSE DISPUTE AS RESOLVED AND UPDATED ... XXXX ONLY UPDATES ARE CHANGING OF DATES WHICH STILL ARE NOT CORRECT. THEY HAVE NOT ADDRESSED ANY LATE PAYMENT ISSUES IVE DISPUTED. XXXX LATE PAYMENT IS STILL THERE. AS WELL AS A LATE PAYMENT ISSUES XXXX - XX/XX/XXXX WHERE I WAS INCARCERATED ... SENT MY UNCLE IN TO A STORE IN XXXX AND XXXX OF XXXX WITH A NOTARIZED POWER OF ATTORNEY WITH XXXX  XXXX LISTED EXPRESSLY AS SOMETHING MY UNCLE WAS AUTHORIZED TO HANDLE FOR ME... THEY REFUSED HIM ANY INFO ABOUT MY ACCOUNT ... WOULD NOT TAKE MY PAYMRNT... THEY TURNED DOQN MY MONIES WITH LEGALIZED DOCUMENTATION AND A VALID ID ... .THEN THEY PUT ME DOWN AS BEING LATE. PLEASE CONSUMER CREDIT HELP ME HERE AS I FOLLOWED LEGALIZED WAY TO GET THEM PAID. AND THEY REFUSED TO TAKE MY PAYMENT. HOW AM I LATE IF YOU REFUSE MY PAYMENT. HOW IS THAT ... YOU REFUSE MY PAYMENT ... .LEGALLY NOT ABIDEBY DOCUMENTATION THE COURTS SAY IS VALID IF SIGNED AND NOTARIZED AND ID MATCHIND NAME IS PRESENTED ... .SO THEY BASICALLY TURNED DOWN A PAYMENT FROM ME... BUT I AM LATE ... HOW CAN THAT BE LEGAL OR EVEN FAIR. IVE HAD WHITE FRIENDS DO THE SAME AND THEY WERE HELPED ... .ID HATE TO THINK SAY AND OR TELL PEOPLE THAT THIS WAS SOMETHING RACIST ... .HE WANTED TO MAKE A PAYMENT ... EVEN TOLD REPRESENTATIVE THAT HE DID NOT NEED INFO... HERE IS MY INFO... JUST MAKE PAYMENT... AGAIN REFUSED ... .BUT ... NOW ... I AM LATE. PLEASE HELP ME ....

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 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX CLOSED MY CREDIT CARD IN XX/XX/XXXX AS STATED ON XXXX 'S STATEMENT. THEY HAVE CHANGED DATE ON MY CREDIT REPORT 3X BUT HAVE NOT REPORTED DATE THEY TOLD ME IN WRITING THEY COLSED IT. THERE WAS A BALANCE ON ACCOUNT AT THE TIME OF CLOSING. THWY THEN REPORTED A LATE " CREDIT CARD PAYMENT '' IN " XXXX ON A CLOSED ACCOUNT. 

IN XXXX OF XXXX I MADE A PAYMENT. 

ONCE CARD IS CLOSED THERE IS NO LONGER A " REVOLVING DEBT OWED '' AND NOT 2 MONTHS... 

THEY ARE KNOWINGLY REPORTING WRONG INFORMATION. THIS HURTING MY CREDIT AND SCORE. I HAVE DISPUTED WITH EQUIFAX..XXXX AND XXXX XXXX THWY ALL CLOSE DISPUTE AS RESOLVED AND UPDATED ... YWT ONLY UPDATES ARE CHANGING OF DATES WHICH STILL ARE NOT CORRECT. THEY HAVE NOT ADDRESSED ANY LATE PAYMENT ISSUES IVE DISPUTED. XXXX LATE PAYMENT IS STILL THERE. AS WELL AS A LATE PAYMENT ISSUES XXXX - XX/XX/XXXX WHERE I WAS INCARCERATED ... SENT MY UNCLE IN TO A STORE IN XXXX AND XXXX OF XXXX WITH A NOTARIZED POWER OF ATTORNEY WITH XXXX XXXX LISTED EXPRESSLY AS SOMETHING MY UNCLE WAS AUTHORIZED TO HANDLE FOR ME... THEY REFUSED HIM ANY INFO ABOUT MY ACCOUNT ... WOULD NOT TAKE MY PAYMRNT... THEY TURNED DOQN MY MONIES WITH LEGALIZED DOCUMENTATION AND A VALID ID ... .THEN THEY PUT ME DOWN AS BEING LATE. PLEASE CONSUMER CREDIT HELP ME HERE AS I FOLLOWED LEGALIZED WAY TO GET THEM PAID. AND THEY REFUSED TO TAKE MY PAYMENT. HOW AM I LATE IF YOU REFUSE MY PAYMENT. HOW IS THAT ... YOU REFUSE MY PAYMENT ... .LEGALLY NOT ABIDEBY DOCUMENTATION THE COURTS SAY IS VALID IF SIGNED AND NOTARIZED AND ID MATCHIND NAME IS PRESENTED ... .SO THEY BASICALLY TURNED DOWN A PAYMENT FROM ME... BUT I AM LATE ... HOW CAN THAT BE LEGAL OR EVEN FAIR. IVE HAD WHITE FRIENDS DO THE SAME AND THEY WERE HELPED ... .ID HATE TO THINK SAY AND OR TELL PEOPLE THAT THIS WAS SOMETHING RACIST ... .HE WANTED TO MAKE A PAYMENT ... EVEN TOLD REPRESENTATIVE THAT HE DID NOT NEED INFO... HERE IS MY INFO... JUST MAKE PAYMENT... AGAIN REFUSED ... .BUT ... NOW ... I AM LATE. PLEASE HELP ME ....

Company response to consumer: Closed with explanation