vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX, via the online system, I scheduled a payment in the amount of {$550.00}, which, with the regular automatic payment will suffice for the amount to satisfy the last month 's balance, with the date of XXXX. Somehow the system set the date as XXXX, and when I caught the error later, I called Customer Service, but as usual, they are clueless, and the Bankcard Issuer does not allow for higher up representatives to be contacted ( which is the reason that I simply file a complaint with the CFPB to in essence effect a contact such a representative ). 

So the payment went through the system, with the bank that the payment had been withdrawn upon to reject the payment attempt ( no side effect there ), but the Bankcard Issuer will not allow me to reschedule the payment to the originally desired day- it seems to be forcing me to not make enough of a payment so as to avoid interest charge. 

On a side note, I was told by Customer Service that the Bankcard Issuer will not charge a fee for the payment being NSF ( or whatever it is called ), so that would seem to not be a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX XXXX  XXXX DISCOVERBANK XXXX XX/XX/22 RE. We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX GMFINANCIAL XX/XX/22 RE. We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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:
This is my XXXX attempt to get this matter resolved. I've submitted XXXX previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with XXXX/TransUnion. This XXXX account was reported Late.They have failed to fix the account. I need this account updated from my report ASAP. Here is the name of the data furnisher & the account information- XXXX  XXXX Date opened XX/XX/2006 Balance {$100000.00} XXXX  XXXX Date opened XX/XX/2006 Balance {$100000.00}

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 2022-05-17 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:
This is my XXXX attempt to get this matter resolved. I've submitted XXXX previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with XXXX/XXXX. This XXXX account was reported Late.They have failed to fix the account. I need this account updated from my report ASAP. Here is the name of the data furnisher & the account information- XXXX XXXX Date opened XX/XX/2006 Balance {$100000.00} XXXX  XXXX Date opened XX/XX/2006 Balance {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: FL

Complaint narrative:
These acoounts am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont rememberi have a legal obligation on these accounts. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the following accounts listed below be removed. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX  XXXX XXXX opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$23000.00} Bankruptcy chapter XXXX XXXX XXXX XXXX  FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy chapter XXXX XXXX XXXX XXXX FL XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  - XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX  XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) Balance {$23000.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX  XXXX  XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX Inquired on XX/XX/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 2022-05-17 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: FL

Complaint narrative:
These acoounts am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont rememberi have a legal obligation on these accounts. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the following accounts listed below be removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$23000.00} Bankruptcy chapter XXXX XXXX XXXX XXXX  FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy chapter XXXX XXXX XXXX XXXX FL XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX - XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) Balance {$23000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$23000.00} XX/XX/XXXX XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XX/XX/XXXX XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: FL

Complaint narrative:
These acoounts am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont rememberi have a legal obligation on these accounts. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the following accounts listed below be removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$23000.00} Bankruptcy chapter XXXX XXXX XXXX XXXX  FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy chapter XXXX XXXX XXXX XXXX FL XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  - XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) Balance {$23000.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: FL

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian/XXXXCredit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian/XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed - XXXX  XXXX XXXX/XXXX Inquired on XX/XX/2020 XXXX XXXX  Inquired XXXX XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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:
n accordance with the Fair Credit Reporting act XXXX Account : U.S. Department Of Education # XXXX, Capitol One # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: FL

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX/TransUnionCredit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX/TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed - XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired XXXX XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: NY

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; COLLEGE XXXX/XXXX Date of Inquiry XX/XX/XXXX ; XXXX  XXXX  Date of Inquiry XX/XX/XXXX ; XXXX  Date of Inquiry XXXX/XXXX/XXXX ; XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: NY

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; COLLEGE XXXX/XXXX Date of Inquiry XX/XX/XXXX ; XXXX XXXX  Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XXXX/XXXX/XXXX ; XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: NY

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; COLLEGE XXXX/XXXX Date of Inquiry XX/XX/XXXX ; XXXX  XXXX  Date of Inquiry XX/XX/XXXX ; XXXX  Date of Inquiry XXXX/XXXX/XXXX ; XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have a 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 2022-05-17 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 — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
BRCLYSBANKDE XXXX XXXX XXXX 
XXXX XX/XX/22 RE. We have disputed this account.

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