BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX, KS XXXX ; XXXX XXXX  XXXX Balance Owed : {$530.00} ; XXXX  XXXX Balance Owed : {$9400.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX- XXXX  ) XXXX Balance Owed : {$2300.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$440.00} ; XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$800.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
My Bank of America debit card was cancelled on or before XX/XX/20. This happened because of some unspecified " merchant compromise '' and was not related to my bank balance or any action of mine. 
Despite having my phone number and email address, as well as the ability to message me through the BOA mobile app and online banking, there was apparently no attempt to notify me of this action. 
I found out when I tried to buy breakfast on Saturday morning. After less than an hour on hold XXXX barely XXXX I spoke to a BOA employee who said the cancellation was " for my protection '' and promised a new one in 3-6 business days. This means a week or more of no cash, no ability to order online, no scheduled payments will be honored, etc. Luckily, I had XXXX old checks in a drawer and I found an open BOA office where I could cash one. Hope everyone 's taking cash ... 
This was an unforgivable lapse of service and a serious, ongoing problem for a customer of XXXX years.

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 2023-02-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: NY
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Upgrade, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I happened to get a call from this debt collector name security credit which I have never signed a contract with them. I also never gave them or the consumer reporting agency written permission to post this information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I AM EXERCISING MY RIGHT TO LOAN CANCELLATION WHEN MORTGAGE FRAUD IS PROVEN ... WE HAVE MULTIPLE COUNTS # 1 ... DEFENDANT NATIONSTAR PLEAD GUILTY TO MORTGAGE FRAUD IN A CLASS ACTION LAWSUIT I AM A PLAINTIFF IN. Mortgage holder XXXX XXXX won this lawsuit as a plaintiff. COPY OF GUILTY PLEA ATTACHED # 2 ... FOR THE 6TH TIME, NATIONSTAR STOLE A MONTHLY PAYMENT WHEN I TRIED TO PAY MY LOAN AHEAD ... My XX/XX/2021 payment was stolen. I want a copy of the digital recording of my call sent to my email address @ XXXX immediately in case loan is not cancelled as required by law. COPY OF STOLEN PAYMENT ATTACHED # 3 ... NATIONSTAR ILLEGALLY CHARGED 36 LATE FEES ON XX/XX/2021 ... TO COLLECT ILLEGAL ATTORNEY FEES THEY ADDED YEARS AGO .... This repeated mortgage fraud is an active case with the XXXX XXXX XXXX Department. All of this evidence will be added to the case against XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. A REMINDER FOR ALL ... There is no statute of limitation in Florida if the defendants are out of state. ALL defendants are out of state. Florida is no stranger to out of state crime. XXXX XXXX is a good example of an old case gaining new traction. 

# 4 ... NATIONSTAR IS STILL COLLECTING AND POCKETING PMI ( MORTGAGE INSURANCE ) .... PMI WAS REMOVED FROM THIS ACCOUNT LONG AGO. .... ( COPY ATTACHED ) # 5 ... PROVIDING AN ILLEGAL PREPAYMENT AMOUNT ... Nationstar is requesting {$110000.00} ... Loan balance is {$110000.00} ... 100 % FRAUD Nationstar, and XXXX XXXX who initiated this loan with fraudulent loan origination paperwork, continue to put themselves at legal and criminal risk with blatant and flagrant legal violations. 

We have retained all of the written evidence from the past and have added this new evidence to the file for this case. If needed, we will accelerate the criminal side of this proceeding in Florida, and also with the FBI which has the file that was referred to them by XXXX XXXX Law Enforcement. These are real files. You answered real subpoenas. Our evidence and both cases are real. 

IF you refuse to cancel the loan as required and we are forced to seek additional financial relief in a Florida civil court again, please know we saw the entire defense ... and I found an attorney that not only despises banks ... he wins ... and gets the $ $ . If forced, we will seek the max amount from all involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  Account ( XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX, DE 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 2020-04-06
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a 3rd party collection notice from IQ Data International. I immediately called and questioned the validity of the debt in XX/XX/2018. I found out that this was due to a broken lease by someone who I do know that used my personal information to obtain the lease and I as the sole person on the lease. I was only to be used as a reference however I was used as the lessee. I never signed any papers or talked to anyone in the leasing office during this transaction. I only found out that my name was attached due the the phone calls and finally a bill in the mail. I stated this was not mine, I do not live in XXXX and this is a result of identity theft. I immediately filed a complaint with the FTC which did work in terms of getting this negative collection off my credit report for XXXX. XXXX  and XXXX  have contacted IQ Data and they continue to state that this is a valid debt. IT IS NOT VALID AS IT IS IDENTITY THEFT. Please see letter sent to IQ Data as another follow up as well as the FTC report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: OPORTUN FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
IN XXXX IN THE MIDDLE OF THE PANDEMIC I STILL TAKEN A LOAN WITH THE COMPANY OPORTUN INC. WITH THE SUPPOSED PROMOTION OF HELPING YOU CREATE CREDIT FOR PEOPLE WHO HAVE NO CREDIT OR WANT TO BUILD THEIR CREDIT AS WAS MY CASE AT THAT TIME AND WE EVEN REFER SEVERAL PEOPLE INCLUDING MY WIFE AND THEY DO NOT REALLY CREATE CREDIT ON THE CONTRARY WHEN THEY DO THE INVESTIGATION OF YOUR CREDIT THEY MAKE YOU A HARD PULL AND THAT INSTEAD OF HELPING AFFECTS YOU AND ADDITIONALLY THEY CHARGE YOU FOR DOING THE INVESTIGATION, WHICH CONSTITUTES A TOTAL CONSUMER ABUSE, IT SHOULD ALSO BE HIGHLIGHTED THAT YOU SEE SAID CHARGE WHEN YOU GET THE CHECK ( YOU CAN NOT DO ANYTHING ANYMORE ) BUT EVEN WORSE IN THE MIDDLE OF THE PANDEMIC AND WITHOUT WORKING BUT TO SHOW MY GOOD FAITH AND RESPONSIBILITY I MADE AN EXTRAORDINARY EFFORT TO PAY OFF SAID LOAN SINCE THIS COMPANY DID NOT OFFER ME ANY PAYMENT PLAN BEFORE A PANDEMIC THAT MADE US LOSE SO MANY LIVES, THIS COMPANY DID NOT BELIEVE INCREDIBLE CREDIT IN MY HISTORY ON THE CONTRARY, IT HAS DESTROYED IT AND CONDEMNED ME AND MY CHILDREN TO NOT BE ABLE TO BE ABLE TO HAVE A DECENT LIFE IN THIS COUNTRY, WITH BAD CREDIT AND EVEN THOUGH THE WORLD WAS GOING THROUGH A CRISIS AND I MADE SO MANY CALLS AND OPEN CASES WITH THEM SO THAT THEY WOULD ESCALATE MY CASE AND SO THAT THEY DELETE THAT ACCOUNT FROM MY HISTORY, THIS COMPANY OPPORTUNITY INC. . IT IS REFUSED, LIKE THE DIFFERENT CREDIT AGENCIES.

ONE OF THE CASES THAT WE OPENED BEFORE OPORTUN INC, IS UNDER THE NUMBER # XXXX, BUT LIKE MY CALLS, THEY REFUSED TO HELP. 
ON THIS OCCASION WE APPEAL TO THE SOLIDARITY PART THAT ANY COMPANY SHOULD HAVE AND MORE IN THIS CASE WHICH WAS WITHIN A WORLD PANDEMIC, IN WHICH THOUSANDS OF PEOPLE WERE BEHIND IN THEIR PAYMENTS AND IN WHICH ALL THE INSTITUTIONS HELPED THEIR CLIENTS, REGRETABLE IT WAS NOT MY CASE, THIS COMPANY DENIES ME HAVING A FAIR CREDIT THE LOAN WAS FOR 12 MONTHS FROM XX/XX/XXXX TO XX/XX/XXXX, BUT I PAYED IT OFF ON XX/XX/XXXX THROUGH RECEIPT # XXXX ISSUED BY OPORTUN INC AND IN WHICH THEY REITERATE SAYING : ( THANK YOU FOR CHOOSING US FOR HELP BUILD YOUR CREDIT HISTORY ) TOTALLY FALSE.

WE LATER REQUESTED A BALANCE LETTER AND IT WAS ISSUED ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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 am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also the following inquiries are unauthorized fraudulent inquiries. Please investigate and remove immediately. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX XXXX  was reporting account status for years based on fraud and payment activity on my back account from years ago. Further, there were issues with getting proper information. XXXX has been paid 100 % even though the data was inaccurate The XXXX  XXXX XXXX dismissed collection activity and claims of the Treasury Department XXXX XXXX XXXX in XX/XX/2019. This data was sent to XXXX, Transition, and XXXX  but the charge offs and account matters are being reported despite the court dismissal.

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 2023-04-08
Company: Lendmark Financial Services
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a personal loan with Lendmark Financial in XXXX for {$2000.00}. I made multiple payments of {$130.00} for a few months until I lost my job due to the company closing. When I signed my loan papers, I was told that if I lost my job, the loan was insured and would be paid off in case of job loss or death. I notified Lendmark of such and heard nothing there after. In XX/XX/XXXX, I filed XXXX  XXXX bankruptcy. Lendmark Financial was included in my bankruptcy because they were still being reported on my credit report at the time. During my bankruptcy, XXXX XXXX  XXXX continued to pursue action against me in the District Court XXXX XXXX XXXX XXXX, Maryland, around the same date and time as my first " meeting of the creditors '' in bankruptcy court. Even though they were well notified of my bankruptcy filing, this debt collector still pursued action against me in the District Court in XXXX of XXXX. They never showed to any meeting of the creditors nor made any filings in contestation of my bankruptcy. My bankruptcy was dismissed on XX/XX/XXXX of this year. About a week later XXXXXXXX XXXX XXXXXXXX filed a motion to lift stay in the district court. After receiving the one page document of the motion to lift stay, I contacted XXXX XXXX  XXXX about the debt. I was emailed a letter stating that the amount owed is {$3800.00} with a breakdown of how the debt was calculated. Which did not adequately identify the amounts of the alleged debt owed or the accrued interest which is in violation of the Fair Debt Collections Practices Act. At the time of my bankruptcy, there was a class action lawsuit for the exact same actions by XXXX XXXX  XXXX of unfair debt collection practices ( Case No. 1:12-cv-00163-CCB ). XXXX XXXX  XXXX has a history of violating the Fair Debt Collection Practices Act. Which they are still violating today. As of XX/XX/XXXX, XXXX XXXX  XXXX filed a motion for renewal in the district court on a debt that is past the statute of limitations. When they filed this action, they NEVER sent me any notice or copy of the motion they filed giving me a chance to respond or contest as a pro se litigant or to retain adequate counsel to represent me in this action. Further violating my rights as a US citizen and resident of the state of Maryland in XXXX XXXX XXXX and the fair debt collection practices act. As well as causing undue hardship, harm and damage to my credit unfairly on a debt that is past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Lockhart, Morris & Montgomery Inc.
State: VA
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:
-On XX/XX/19 Lockhart , Morris & Montgomery illegally obtained and placed my account in a collection status. I required this company to validate a debt and they failed to comply within a legal time period. Furthermore they are attempting to validate disputes filed as accurate without legal right.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX. 

Credit Acceptance # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX TXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXXt # XXXX XXXX # XXXX XXXX Funding # XXXX XXXX XXXX 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, has violated my rights. 

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

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.

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.

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 2023-06-15
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management is trying to collect debt from me that i do not owe and they keep harassing me. I do not owe anyone XXXX in order to collect debt from me they need to have a document with my signature on it or it is illegal and i will be filing a lawsuit immediately if they do not remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX i cos-sign on a vehicle for XXXX XXXX and this company approved the finance for the vehicle this a a notice that i have already contacted them on two sperate occasions and gave them notice that i recind pursuant the these references First, when an obligor exercises his right to rescind, he is not liable for any finance charge or other charge, and any security interest given by the obligor becomes void upon rescission. 15 U.S.C. 1635 ( b ). 

Second, within twenty days after receipt of the notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment or otherwise, and shall take any action necessary or appropriate to reflect termination of any security interest created under the transaction. XXXX. 

Third, upon performance by the creditors obligations under this section, the obligor shall tender any property the creditor has previously delivered ( or its reasonable value ). XXXX. Pursuant to Reg Z notice is given by mail, telegram, or other means of written communication. 12 C.F.R.226.23 ( a ) ( 2 ) ; See 12 C.F.R. Pt. 226, Apps. H-8, H-9 ( Model forms for excising Rescission Right ) ; 12 C.F.R. 1026.23 ( a ) ( 2 ).

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