vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Some time during the last week of XX/XX/2021 a check was stolen from the desk drawer in my private office at work, and subsequently cashed at another bank. The signature on the check was not mine. Check # XXXX in the amount of {$15000.00} dated XXXX. 

When I saw the check on my bank statement about 1 month later, I immediately called the police who arrived, and filed a report, and I called Chase Fraud Services and explained what happened. I provided all necessary paperwork and documentation including the police report and signed affidavits. I subsequently closed all accounts and opened new ones. A detective is working on the case. He stated it will be months before any progress is made, if any because banks are very slow to respond to subpoenas and by that time any video recordings of the transaction will be long gone.

During the initial call with Chase Fraud services I was reassured that because my bank account funds are insured by the FDIC I would be credited back for the fraudulent check. These phone conversations are recorded by Chase. I was then asked a few questions and I answered as accurately as I could, but later realized these questions seemed to be phrased in such a way as to protect the bank from liability. 

Ultimately my claim was denied by Chase Fraud Services. See enclosed letter dated XXXX. 

When I called Chase Fraud Services to question the claim denial, Chase Fraud services said that as per my answers, I did not take adequate precautions to " conceal '' the checks. Of course they were concealed they were inside a drawer of the desk in my private office that is off limits to the general public, but apparently that didn't stop someone from sneaking in there and removing the check.

Another question that apparently caused the bank to deny me reimbursement of the stolen funds was " Does anyone else have access to the checks in your deck drawer ''. My answer was " yes ''. My bookkeeper has access to the contents of my drawer- but they didn't ask me to clarify who has access other than myself. 

As I stated, despite early promises that the issue would be resolved to my satisfaction and my account would be credited, Chase Fraud Services ultimately denied my claim stating that I did not safeguard the checks carefully enough. Please see enclosed denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, Experian and XXXX back in XXXX of 2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Starmark Financial LLC
State: TX

Complaint narrative:
-StarMark Financials LLC violated the following laws : - Fair Debt Collection Practices Act- not ceasing collection activities when in fact I clearly responded and disputed the debt within the 30-day response period and by reporting to the credit bureau this account for collection prior to the completion of the debt validation process. In addition, since StarMark is not the original lender and StarMark was claiming that it acquired the debt from XXXX XXXX, it failed to provide proof of ownership -Esign Act and Uniform Electronic Transactions Act - none of the requirements to consider the Esignature valid were met Important Dates/Information : - Debt being collected was a result of online fraud - Amount of supposed debt - {$2500.00} -Supposed Original Creditor : XXXX XXXX ( Acct # XXXX ) -Supposed Buyer of the Debt : StarMark Financials LL ( Acct # XXXX ) -Collection Letter from StarMark Financials : Dated XX/XX/XXXX received on XX/XX/XXXX -My Response Date to StarMark Financials : XX/XX/XXXX ( I have proof of USPS receipt ) -Actual Date StarMark Financials received my dispute letter : XX/XX/XXXX, XXXX XXXX. ( I have proof of USPS Tracking System ) -Date Collection Account Reported to Credit Bureau ( XXXX ) : XX/XX/XXXX XXXX Response Date to My Disputed Letter from StarMark Financials ( included supposed supporting documents of the debt ) : XX/XX/XXXX ( letter sent by XXXX XXXX ) -Documents provided showed : - no valid signature from me- loan was supposedly transacted and completed online - debt claimant failed to show proof that all of the following requirements under Esign Act and Uniform Electronic Transactions Act were met : - intent to sign & opt-out clause - consent to do business electronically - clear signature of with the record - association of signature of with the record - record retention - StarMark Financials failed to show proof of ownership of the supposed acquired debt from XXXX XXXX - no deed of assignments were provided showing that the debt was legally transferred to StarMark Financials- I called StarMark Financial and determined that my account was already sold to XXXX XXXX - another harassing tactics

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 2022-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV IS REPORTING A DEBT ON MY CREDIT FILE THAT I DONT RECOGNIZE AS MINE FOR {$620.00} DOLLARS FROM XXXX XXXXXXXX, AND REPORTING IT AS A NEW ACCOUNTON MY CREDIT FILE. I AME REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCPA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON. TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. JUST FOR YOUR INFORMATION, I AM ON XXXX AND MY INCOME IS PROTECTED UNDER FEDERAL LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My complaint is regarding Capital One 's non-compliance with the rule stating that I am to be informed of the reason for a denial of a credit application which they solicited. 

I have an active account with Capital One. I have very good credit with them ( and an excellent credit rating overall ). I received an offer last month for an " exclusive pre-selected offer '' because " I'm one of a few special customers. '' I completed the application on line and was immediately denied. I called Capital One, and the agent explained that by law, the company is required to provide me, in writing, an explanation for the denial, assuring me that I would receive it in 7 to 10 days. I waited four weeks, and still have not received any letter explaining the reason for denial. When I called last week for further explanation, the agent hung up on me. 

I have, however, received two more " exclusive pre-selected offers '' for the same card. Of course I will not waste my time, but I am still interested in why my application was denied. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have numerous credit inquiries that are not mine as well as a couple credit accounts opened that are not mine or that I applied for. I have disputed these and no one wants to remove the fraudulent items. I will list each one seperately for each credit bureau. 

XXXX Not my Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXXL XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX not my accounts- XXXX and Applecard/GS Transunion- not my inquiries XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX NA ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX NA XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Retailer ) XXXX XXXX, XXXX XXXX XXXX XXXXK ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  Miscellaneous ) XX/XX/XXXX XXXX XXXX Retailer ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXA ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX inquiries XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry XXXX XXXX XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX, XXXX XXXX XXXX BANK Inquiry date : XXXX XXXX, XXXX XXXX  XXXX NA Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX FXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : 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 2022-03-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have numerous credit inquiries that are not mine as well as a couple credit accounts opened that are not mine or that I applied for. I have disputed these and no one wants to remove the fraudulent items. I will list each one seperately for each credit bureau. 

XXXX Not my Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This collection company called LVNV Funding that is located on C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX continues to harass me about debts that i do not owe or have any clue what they are. I have Personally never seen a contract from them between my self and them proving that i owe them anything. LVNV Funding is reporting an alleged debt on my consumer report XXXX, XXXX that i have never seen before. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. XXXX XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c. 

I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
This company is reporting inaccurate and incorrect information to the consumer reporting agencies. I've made several attempts to resolve this issue with them. Sending out letters giving them notice of the inaccurate reporting and for them to fix the problem. Due to the incorrect information My family and I have suffered hardships and XXXX damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
This company has no reason for trying to collect on a account that the company has collected as a tax right of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
I applied for credit was told by creditors that I had numerous collection items on my credit reports. As a follow up, I requested and received copies of my credit reports from the three main agencies ( XXXX, XXXX XXXX XXXX ). Once I received the reports I found listed on my credit reports was Kansas Counselors with numerous negative items. At no time did they notify me of these items to allow me the opportunity to resolve or dispute. Since I wasn't given that right, I sent the firm a letter ( by regular mail on XX/XX/XXXX ) and a second letter ( by certified mail on XX/XX/XXXX with a proof receipt ). In each case I asked for a response within 30 days and requested that they validate the debts or remove negative items from my credit reports. As of today I haven't heard from Kansas Counselors with an acknowledgement of my letters or an attempt from them to address my concerns. Therefore, I am requesting CFPB help me resolve this matter that is impacting my credit. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
For 3 weeks now I have been in contact with USAA Federal Savings Bank ; the amount that I am permitted to deposit via the mobile app is just {$1000.00} on my end ; on their end they are saying it shows {$25000.00} and they don't know what is wrong. They are telling me to put an incorrect amount on the deposit and they will fix it on their end. This feels dishonest to me. I need this fixed ; I have contacted them on multiple occasions but no one will get back to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a free account with Experian that I created to freeze my credit report ( thanks to a XXXX  data breach that exposed my SSN, driver 's license, and more ). Experian immediately started sending me numerous marketing emails. I logged into my Experian account and unsubscribed from all marketing emails but I still continue to receive emails with subjects like " Your Dark Web Results are Available '' and " Awaiting Review : Your Financial Profile ''. There is no way to unsubscribe from these and they contain text claiming that they are not marketing emails but rather notifications of changes to my account. But they obviously ARE marketing emails as, upon following the links in the emails, I am immediately prompted to upgrade my account. Further, if I dismiss that page and continue, every single page contains buttons that require an upgrade. 

Experian appears to think that by labeling marketing emails as important account notifications, they can continue to send them, with no way for recipients to opt out. This is deceptive and outrageous.

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 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was contacted by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX MA XXXX ( XXXX ) XXXX ) in XXXX of 2021 saying they had a client who wanted to purchase my timeshare at XXXX, XXXX XXXX, XXXX. I agreed to sell. The broker then said the escrow company that they deal with would contact me. I was contacted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX IL XXXX ( XXXX ). They told me I needed to pay the transfer fee that the resort requested to do the paperwork. They said to wire the money to the company that they deal with in XXXX ( XXXX XXXXXXXX XXXX XXXX  XXXX ) who had a Citi bank account in New York. Once I had done that, then they said that since XXXX started taxing transfers, I needed to send money to cover the taxes. Then I was told I needed to submit the brokers fee. Then I was told that Citi wouldnt release the funds unless a penalty was paid because the trust account was past the original time frame. I refused to pay that fee and requested that the deal be cancelled. They are now saying that I need to pay {$4000.00} more to cancel before they will refund my money. I feel this is a scam that was done using Citi bank. I would love to have my funds returned to me if possible. I have the wire transfer instructions and documents that were sent to me from 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