BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my debt in full on XX/XX/2021 of {$22000.00} to midland credit managet. They have continued to garnish my wages 5 times since than and will not return my overpayment of {$650.00} to me. It has been 6 weeks and I have called 2-3 times a week. None of this was explained when I paid my debt. They just took my money and continued to do so after I thought it was over. Had they explained that paying my debt in full would not stop my garnishment I would not have done so. 
They lied when stating the garnishments would stop if paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance With The Fair Credit Reporting Act XXXX  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

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 2020-11-22
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
ReliaCard has had my money since XXXX and wont release it! I verified my account several times was told everything was good to go and still cant access my funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I made several attempts to verify the amount owed to GENESIS CREDIT MANAGEMENT. According to my records I owed XXXX $ as the back rent was paid by the state of Colorado, and the Apartment complex signed an agreement to write off any and all late fees and legal fees. 
Requesting On XX/XX/2023 I sent a Debt Validation letter, and they responded with a move-out letter with a ) balance unsigned by me, and an expired lease. They did not answer any of the questions below : Was this Debt assigned to a Debt Collector or Purchased? 

- Assigned - Purchased Amount Paid if Debt was Purchased : $ XXXX Commission for debt collector if collection efforts are successful : REQUESTED INFORMATION Please attach copies of the following : Agreement with your client that grants ___________________ ( Collection Agency Name ) the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or any other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

Any agreement that bears the signature of Debtor wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account?

Have any judgments been obtained by any creditor regarding this account?

Please provide the name and address of the bonding agent for ___________________ ( Name of Debt Collector ), in case legal action becomes necessary : I also sent a cease and desist and removal from my credit report as as they have no legal right to collect this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-03-31
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting for the following inaccurate information to be deleted from my consumer file. You stated you verified the information from XXXX. I pulled up the documents from XXXX to make sure all information you were reporting was correct. It appears you did not get your information from XXXX. I have also included information from XXXX that proves the information is inaccurate. I found the following items below to be in error and I am requesting that it is deleted from my consumer file : XXXX XXXX you have listed is XXXX but it was not filed in XXXX XXXX. XXXX XXXX on the XXXX report is XXXX. 
The court name you have listed is Texas XXXX but XXXX is not the name of the court the bankruptcy was filed in. The court name on XXXX  is UNITED STATES BANKRUPTCY XXXX XXXX XXXX OF TEXAS. 

According to 15 U.S.C 1681 states consumers have a right to accuracy and fairness of credit reporting. I have found inaccuracies in my Lexis Nexis consumer file. I have reported this several times but nothing has changed. 

I have already requested a reinvestigation but now I am just requesting for the information to be deleted from my consumer file. I have included all information needed to verify my identity and to verify the actual reports from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello, on or around XX/XX/20, I applied and was approved for an Apple credit card with a credit limit of {$8000.00}. I activated the physical card on or around XX/XX/20. I used the card XX/XX/20 & XX/XX/20. On XX/XX/20 I went to use my card and was declined to my surprise. I had a total balance owing of {$33.00} and a credit limit of {$8000.00}. On XX/XX/20 I opened up support chat ( via text from my XXXX ) with Apple/Goldman Sachs support. I explained my credit card/wallet on my XXXX showed my account as being under review. I was not given any explanation except its being reviewed. I then called Goldman Sachs customer service and asked the same question why my account was being reviewed. I had just opened the the account. I was told they did not know and that they have a separate dept that handles the reviews. I asked to speak with that dept and was told I could not. Someone??? would be in contact with me and apologized for the inconvenience. My account now shows restricted. I called Goldman Sachs customer service on XX/XX/20. Was again told the same thing. I asked to speak with a supervisor. The supervisor said the same thing. Im confused as to how/why I was approved with an {$8000.00} limit. Ive not done or changed anything and my account is restricted. They are approving credit applications upfront and then running credit checks???? I have excellent credit, 0 % DTI, 6 figure income. Absolutely no reason for this. I do not want this suspension to affect my credit rating. If the credit issuer freezes your account, your credit report my indicate a CLS notation to the account-a code that stands for credit line suspended. I am not going to be happy if my credit is affected due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is fraudulent, inaccurate as well as unverifiable information being reported on my credit report that is damaging my credit worthiness according to Section 609 ( d ) of the Fair Credit Reporting Act they must be removed immediately. 

XXXX : XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX  {$290.00} XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$830.00} DEPT OF EDUCATION/XXXX XXXX XXXX Closed DEPT OF EDUCATION/XXXX XXXX XXXX Closed XXXX XXXX XXXX  {$290.00} XXXX XXXX XXXX  Collection {$860.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$390.00} Transunion : XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX  {$500.00} XXXX XXXX XXXX XXXX XXXX  {$830.00} DEPT OF EDUCATIONXXXX XXXXXXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX {$290.00XXXX XXXX XXXX XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX : XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX {$290.00} XXXX XXXX 
XXXX XXXX  Collection {$860.00} XXXX XXXX XXXX XXXX XXXX {$440.00XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}

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 2023-06-23
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Received the same modification packet dated XX/XX/, which was due on XX/XX/, with additional documents to notarize and sign. However, there is no expected date to return the additional notarized and signed documents, the expected return date still shows XX/XX/. In addition, sections in the packet that are currently highlighted were not highlighted before. This complaint is a continuation of complaint # XXXX. 

I'm still waiting for a response to the following : I discovered on the XXXX XXXX section, Additions to Principal Balance shows a debt balance of {$13000.00} ; however, the most recent mortgage statement dated XXXX  shows an escrow credit of - {$13000.00}. Why was this amount added as a balance due instead of a credit? It contradicts the XXXX XXXX as it shows this amount as owed, but on the statement, it is a credit. Why was the escrow amount added as a balance due to the unpaid principal balance of {$150000.00}, causing the New Modified Unpaid Principal Balance to increase to {$170000.00}? Existing Unpaid Principal Balance {$150000.00} Additions to Principal Balance Unpaid Accrued {$7200.00} XXXX XXXX for Escrow Items {$13000.00} Subtractions to Reduce Principal Balance : New Modified unpaid principal balance {$170000.00} Is the amount in question showing as a debit, the money I owe, or credit money owed to me? 

Will there be any additional documents to be notarized and signed? 
Please provide the expected date to receive the returned and additional documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is fraudulent, inaccurate as well as unverifiable information being reported on my credit report that is damaging my credit worthiness according to Section 609 ( d ) of the Fair Credit Reporting Act they must be removed immediately. 

XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX  XXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATION/XXXX XXXXXXXX XX/XX/XXXX Closed DEPT OF EDUCATION/XXXX XXXXXXXX XX/XX/XXXX Closed XXXX XXXX XX/XX/XXXX {$290.00} XXXX, XXXX. 
XXXX XX/XX/XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} XXXX : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XX/XX/XXXX {$290.00} XXXX, XXXX. 
XXXX XX/XX/XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} Equifax : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX  Collection {$860.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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