vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I currently have only 1 credit card ( secured ) with Citibank. I have been checking XXXX  XXXX  and other credit assisted apps and have also been on XXXX  and it shows I have another open credit card from Citi all it says is Citicards CBNA, Opened XX/XX/2020. With a {$38.00} Balance. Im certain this is affecting my credit, and at this time Im really trying to get my credit to a good enough score to help my daughter in her future. Please if you Could contact me and please get this card and {$38.00} off my report. 
Thank you. 
Respectfully, 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 2020-04-25 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:
XXXX, EQUIFAX AND XXXX  HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NM

Complaint narrative:
I have has an incorrect collection account removed previously on two separate occasions. It has reappeared on my Transunion report and they failed to remove it with my last dispute. This account is an error listed from XXXX and as a single woman who raised two kids by myself, it has caused me hardship and I may never own a home despite working my entire life. They also have me listed with the last name XXXX under personal info but I have never used that last name. In addition, I would like to know if anyone has investigated this company for bias towards women.

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 2020-04-25 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: GA

Complaint narrative:
I was victim of identity theft and I filed a police report and sent it over to XXXX  twice in the last 60 day. XXXX  has yet to remove the information and I also heard nothing from the credit agency or data furnisher.

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 2020-04-25 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE PUT A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOING AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO OBTAIN THESE ACCOUNTS WITH MY PERSONAL INFORMATION. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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:
XXXX, XXXX  AND TRANSUNION HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORTS.

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 2020-04-25 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:
EXPERIAN, XXXX  AND XXXX  HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORTS.

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 2020-04-25 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: GA

Complaint narrative:
I have reported to XXXX  and Experian and XXXX  that all accounts I have requested to be deleted I have submitted, all identity theft reports and police reports to cfpb that close account and forward all information to FTC, i have contacted FTC about cfpb forward the identity theft reports that were uploaded to cfpb FTC stated that they have no info report from cfpb / I HAVE SENT CERTIFIED MAIL TO ALL 3 CREDIT REPORTING COMPANY XX/XX/20 TO DELETE AND REMOVE ALL THE FRAUD ACCOUNTS CFPB NEVER FOLLOW UP AND CLOSE THE DISPUTES. I HAVE BEEN VICTIMIZE AND CFPB NEVER MADE THE 3 CREDIT REPORTING COMPANYS REMOVE ALL DEBTS THAT ARE FRAUD AND FOLLOW THE CONSUMER RIGHTS NEVER FOLLOW UP WITH ALL CERTIFIED MAIL DATED 38 DAYS WITH NO RESPONSE..

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 2020-04-25 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: OH

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$8900.00} XXXX # XXXX XXXX XXXX XXXX   XXXX  Opened XX/XX/XXXX Balanced $ XXXX # XXXX XXXX XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced {$280.00} # XXXX XXXX  XXXX Account Opned XX/XX/XXXX Balanced {$220.00} # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: OH

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$8900.00} XXXX # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balanced $ XXXX # XXXX XXXX XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced {$280.00} # XXXX XXXX  XXXX Account Opned XX/XX/XXXX Balanced {$220.00} # 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 2020-04-25 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:
On XX/XX/XXXX i applied for a new line of credit to finance a purchase, however I was denied by the lender ( XXXX  XXXX ) based on my Equifax report with the cited reason GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION However, my credit report shows no record of any such negative action. I am not sure if this is an Equifax reporting error or a XXXX XXXX reviewing error, but either way it has created an issue because I am unable to dispute a claim that does not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I called the us bank to make sure they are not charging me late fee 's. 
Under the SEC. 4021. CREDIT PROTECTION DURING COVID19, IT CLEARLY STATES THAT they can not charge me lates. 
when i called they say that i have been late and they are going to report it as a collection my credit report. 
They are not suppose to do this under this national emergency. 
They told me that they dont know the law and are acting stupid.

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 monetary relief
Consumer complaint received 2020-04-25 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX i applied for a new line of credit to finance a purchase, however I was denied by the lender ( Citizens One ) based on my XXXX  report with the cited reason GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION However, my credit report shows no record of any such negative action. I am not sure if this is an XXXX  reporting error or a Citizens One reviewing error, but either way it has created an issue because I am unable to dispute a claim that does not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE PUT A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOING AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO OBTAIN THESE ACCOUNTS WITH MY PERSONAL INFORMATION. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO 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 2020-04-25 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE PUT A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOING AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO OBTAIN THESE ACCOUNTS WITH MY PERSONAL INFORMATION. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO 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 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I am unable to change my contact email address or turn on paperless statements because of website errors.

I have emailed them and called them and they have not fixed the problem with their website.

There is a reason they have an average 1.5 star review on XXXX  ....

You will literally never get a response from XXXX even though that is what they tell you to email for problems ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TIDEWATER FINANCE COMPANY, INC.
State: OH

Complaint narrative:
Tidewater XXXX  credit told me since Ohio was on gov't ordered quarantine until XXXX they would put payments on the end of the loan for 3 mos. I was told XXXX was taken care of and to call back for each ensuing month. When I called XX/XX/13, XXXX told me they would gladly put XXXX and XXXX payments to the end of the loan but now I needed to pay a {$100.00} fee to do so. This was never mentioned in XXXX. I asked if that went towards the loan and was told no, its their fee. I feel this company 's practice of charging a fee to do what they said they would is terrible during this time and capitalizing on individuals hardship. They rep said they understand most business is stopped and they are told to ask if customers receive a gov't stimulus check which can be used to pay the fee. I was shocked. They are giving customers the option to be charged a {$100.00} fee ( for their offer ) to do whats right or be reported to the credit bureau if you cant pay their fee. Shame on them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I filed an identity theft report with FTC, the response dated XX/XX/2020 was basically that they received the report but will not be further investigating, nor removing the inaccuracies off of my credit report.

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 2020-04-25 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX  {$1600.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX # XXXXPLEASE DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they have complied with the any of the federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, as Stated before 604,605 FCRA Laws I fail to see where THE FOLLOWING INQUIRES WERE not AUTHORIZE Please delete the following : XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, I have filed a complaint the the following addresses are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2020-04-25 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: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records. They are purchasing public information from a third party and can not verify that the information is accurate with the actual furnisher of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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 2020-04-25 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
EXPERIAN 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 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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