vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I previously submitted a complaint on XX/XX/year> but you deleted it. 

Goldman Sachs Bank/Apple Card refuses to send me my replacement card in an envelope. They send their credit cards in fancy boxes. I can not receive boxes. They sent the card in a box and it was returned by the mail clerk because it was in a box. 

I reached out to them on XX/XX/year> and they refused to send the card to me in an envelope. I asked for a supervisor and was told that one wasn't available but that one could call me back within 10 days. No one ever called me back. 

I reached out to them again today XX/XX/year>. I was escalated to a 2nd level supervisor who lied and said that someone called me on XX/XX/year>. No one called me. No one called and left a voicemail. No one called. No one emailed me. No one mailed me a letter. 

The only option provided to me was to completely change the address on the account to a different address. I do not want to change the address on my account ( even temporarily ). If my address changes it will be sent to the credit reporting agencies which will cause future confusion with creditors and may even possibly lower my score.

They are supposed to respond to the complaint within 15 days. Today is the XXXX day. All that the 3rd level Goldman Sachs Bank USA supervisor says is that " it is being looked into ''. They refuse to provide me with a solution or a date by which a solution will be provided. Only that it is " being looked into '' and that maybe they will be done looking into it within a few weeks. Meanwhile, my card expires on XX/XX/year>. 

The 3rd level supervisor tried to convince me that I don't really need a physical credit card to get this issue off of their plate. Not true! Not all merchants accept Apple Pay. 

I SHOULD NOT HAVE TO CHANGE MY ADDRESS TO RECEIVE MY REPLACEMENT CREDIT CARD! 

Please see confirmation of the original complaint filed on XX/XX/year> that has disappeared from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My parents took out a loan when I was XXXX XXXX XXXX and attending XXXXXXXX XXXX XXXX XXXXXXXX. Because I didn't have enough money to pay for school and didn't fully qualify for XXXX even though my parents ' income was not high. I struggled to pay, and they were convinced by financial aid to take out a private through sallie mae at the time now navient. My parents ' credit was not great so my grandmother was my cosigner so I could finish college and graduate in XXXX which I did. After struggling through the recession and jobe market from XXXX where navient called XXXX times a day threatening me and at the time my XXXX XXXX XXXX grandmother about taken her house if i didnt pay. I was make less then XXXX dollars a week and had agreed to be in foreberance. I was never given deferement private loans and the coustomer service was horrible calling late at night or ealry morning. From XXXX, I spent time in school earning a masters to hopefully find a job that I could pay my provate loan off, I was denied forbearance as well as lowering payments. They would only offer me a program to pay the interest which only lasted 6 months and then they would increase my payments again and call to ask when are going to pay us and if you don't we will sue your or take your grandmother home. At this time in XXXX my grandmother was sick, and they still called her repeatedly after I asked them only to deal with me leave her be. I agreed to pay what i could which was about XXXX dollars or so monthly. Not until Navient was in the news recently did they change their stance of threatening calls and willing to lower payments in XXXXpresent but only for 6 months and interest only nothing was ever going towards my loan. I fully understand that this is my loan and now at XXXX I regret it every day. I have lost a family member to XXXX which I spent a lot of money on for XXXX XXXX XXXX XXXXs well as my mother is sick with XXXX as I have struggled to pay them as been threats of been sued and wages garnished. They call me 5 times a day saying they are willing to help but they only want me to pay in full. They send letters and then when I speak with them on phone, they claim that what was stated in the letter wasn't entirely true. Ive been told that they know I will never be able to pay this debt off and they know I will be stuck my payments for life, I know that I will probably be dead when I see myself free from a loan I never wanted. I know, I maybe a lost cause but I hope that others know what can happened when an institution lies to you to get you stay and your stuck with the bill. Navient has been the worst place I have dealt with for past 12 years because they were sued, they wanted to change the last three but that doesn't stop what they did and how they treated me for the first 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HELLO THIS IS AN ON GOING ISSUE WITH XXXX, AND TRANSUNION PUTTING INCORRECT LATE FEES ON MY CREDIT REPORT ... 3 WEEKS AGO XXXX REMOVED XXXX POINTS FROM MY CREDIT REPORT, FROM XXXXXXXX XXXX WRONG INFORMATION DEALING WITH MY LINE OF CREDIT ... I HAVE NEVER BEEN LATE, THIS WAS A BANK ERROR WITH XXXX XXXX  PUTTING ME DOWN BEING LATE FOR 2 MONTHS, XXXX AND XXXX, AFTER ME DISPUTING WITH THE CREDIT BUREAUS AND SENDING DOCUMENTATION XXXX RESTORED MY POINTS BACK AND REMOVED 1 OF THE LATE FEES THEY REMOVED 1 MONTH BUT LEFT THE OTHER MONTH, BUT I NEED XXXX AND XXXX REMOVED, I HAVE PROOF FROM XXXX XXXX XXXX XXXX XXXX ALSO SEE THAT I WAS NOT LATE FOR THOSE 2 MONTHS IN QUESTION ... IM SENDING THE EMAIL SO YOU CAN SEND TO THE 3 CREDIT BUREAUS, ... I ALSO WANT XXXX TO STOP FLIP FLOPPING WITH MY CREDIT SCORE, THEY TOOK XXXX POINTS XXXX WEEKS AGO, GAVE IT BACK 2 WEEKS AGO AND JUST UNDER A WEEK AGO XXXX AGAIN REMOVED XXXX POINTS FROM MY CREDIT SCORE..I WANT IT BACK

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
HELLO THIS IS AN ON GOING ISSUE WITH XXXX, AND XXXX PUTTING INCORRECT LATE FEES ON MY CREDIT REPORT ... 3 WEEKS AGO XXXX REMOVED XXXX POINTS FROM MY CREDIT REPORT, FROM XXXXXXXX XXXX WRONG INFORMATION DEALING WITH MY LINE OF CREDIT ... I HAVE NEVER BEEN LATE, THIS WAS A BANK ERROR WITH XXXX XXXX PUTTING ME DOWN BEING LATE FOR 2 MONTHS, XXXX AND XXXX, AFTER ME DISPUTING WITH THE CREDIT BUREAUS AND SENDING DOCUMENTATION XXXX RESTORED MY POINTS BACK AND REMOVED 1 OF THE LATE FEES THEY REMOVED 1 MONTH BUT LEFT THE OTHER MONTH, BUT I NEED XXXX AND XXXX REMOVED, I HAVE PROOF FROM XXXX XXXX XXXXANAGER..THE BANK MANAGER ALSO SEE THAT I WAS NOT LATE FOR THOSE 2 MONTHS IN QUESTION ... IM SENDING THE EMAIL SO YOU CAN SEND TO THE 3 CREDIT BUREAUS, ... I ALSO WANT XXXX TO STOP FLIP FLOPPING WITH MY CREDIT SCORE, THEY TOOK XXXX POINTS 3 WEEKS AGO, GAVE IT BACK 2 WEEKS AGO AND JUST UNDER A WEEK AGO XXXX AGAIN REMOVED XXXX POINTS FROM MY CREDIT SCORE..I WANT IT BACK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HELLO THIS IS AN ON GOING ISSUE WITH EXPERIAN, AND XXXX PUTTING INCORRECT LATE FEES ON MY CREDIT REPORT ... XXXX WEEKS AGO EXPERIAN REMOVED XXXX POINTS FROM MY CREDIT REPORT, FROM XXXXXXXX XXXX  WRONG INFORMATION DEALING WITH MY LINE OF CREDIT ... I HAVE NEVER BEEN LATE, THIS WAS A BANK ERROR WITH XXXX XXXX PUTTING ME DOWN BEING LATE FOR 2 MONTHS, XXXX AND XXXX, AFTER ME DISPUTING WITH THE CREDIT BUREAUS AND SENDING DOCUMENTATION EXPERIAN RESTORED MY POINTS BACK AND REMOVED 1 OF THE LATE FEES THEY REMOVED 1 MONTH BUT LEFT THE OTHER MONTH, BUT I NEED XXXX AND XXXX REMOVED, I HAVE PROOF FROM XXXX XXXX MANAGER..THE BANK MANAGER ALSO SEE THAT I WAS NOT LATE FOR THOSE 2 MONTHS IN QUESTION ... IM SENDING THE EMAIL SO YOU CAN SEND TO THE 3 CREDIT BUREAUS, ... I ALSO WANT EXPERIAN TO STOP FLIP FLOPPING WITH MY CREDIT SCORE, THEY TOOK XXXX POINTS 3 WEEKS AGO, GAVE IT BACK 2 WEEKS AGO AND JUST UNDER A WEEK AGO EXPERIAN AGAIN REMOVED XXXX POINTS FROM MY CREDIT SCORE..I WANT IT BACK

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NV

Complaint narrative:
I paid MOHELA {$11000.00} on XX/XX/year>. So, I paid in advance through XX/XX/year>. Per the person I spoke to at MOHELA, MOHELA processed the payment and marked my account as " PAID IN ADVANCE. '' Federal Student Loans called MOHELA in XXXX ( I received a letter in XXXX ) and asked them to put my account in forbearance. So, MOHELA did so. HOWEVER, MOHELA should NOT have bc I had already PAID and MOHELA should have informed Federal Student Aid of this fact and that my account did not need forbearance starting in XXXX. 

The SAVE plan was not put on hold until XX/XX/year>. So, why would my account need to go into forbearance in XXXX or BEFORE XX/XX/XXXX, especially since I paid my in advance? 

On XX/XX/XXXX, I submitted my PSLF form to Federal Student Aid and because my account was in forbearance, Federal Student Aid did not count XXXX OR XXXX. Now, my qualifying payments are XXXX INSTEAD of XXXX! I should be done and this mistake is preventing my loans from being forgiven. 

Thanks for reviewing my concern. I look forward to hearing from you. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please see the enclosed letter you sent dated XX/XX/year>. Thank you for reversing the late payment notice for XXXX, but I have checked my credit report today and NOW I am being reported late for XXXX AND XXXX when this is plainly incorrect. PLEASE rectify this error as soon as possible and inform me the same has occurred and late payments are reversed with the credit reporting agencies. I will be making a report to the CFPB concurrently with this email as this is unconscionable behavior from XXXX. 

Attached are the deposits made to BMO Heloc account on XX/XX/year> ( for XXXX ) and on XX/XX/year> for XXXX payment. Please stop reporting me as late!!! 

I have made numerous phone calls and spent many hours on this matter over the last 2 months which was caused by mismanagement and incorrect information given to me by XXXX staff. 

This is URGENT as I am trying to get a mortgage next month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Pursuant to the consumer Bill of Rights, 15 US Code 1611, regardless of the unlawful decision made I have a right to my consumer credit. Not only that, but I have a right to redress additionally having the right to service in a contract. I do not wish to be judged for any credit score or to be discriminated against considering my right to contract in good faith as relayed under federal law ( ECOA ). This entire " Consumer Transcation '' solely comes from this Consumers unlimited credit in full and Faith ( 12 US CODE sec 1928 ).

This correspondence is only for the underwriters who have access to my security ( credit application ) and have obtained my principal information to essential fund the consumer transaction hence the extension of credit is the acknowledgment thru " Application ''..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE XXXX XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax, unauthorized inquires. I called Equifax several times and they told me I had to get police report or FTC report. 
I did not authorize the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation