BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I froze my credit with Experian multiple years ago. 

I wanted to check to ensure my freeze was still active. You used to be able to freeze and unfreeze on their website without an account. I set up my free before an account was required. Now the system requires an account. 

I tried many, many times to create an account on experian.com, but it simply would not work, and no errors were present to indicate what was going wrong. I called them many times and tried to get in touch with a human to figure out the problem. Their regular support phone system is terrible and will now allow you to reach a human. I had to use their business support line to pretend I was a business then, upon connecting to a human, inform them of my actual issue so they could transfer me. 

When I got to an actual human, they were extremely confused and had difficulty understanding what the problem was. They had to call many different departments and supervisors to relay my information without actually connecting me directly with the more useful employees. They ultimately said " you can not create an account because you have a credit freeze in place, we need to lift the freeze so that the account creation mechanism can pull a credit report and verify your identity ''. I said okay, they unfroze it, I tired again, and it still wouldn't work. They then put me on many holds as they called various other departments to see what was wrong. They then concluded that there was some inaccurate information on my credit report that was preventing me from creating the account. They said the only way to resolve it was to mail me a hard copy of my report and, upon receiving it, I need to then call them back ( somehow navigating the terrible phone system ) to then dispute any inaccurate information or confirm that there is indeed no inaccurate information, at which point they would have to escalate the issue. 

I now have to wait XXXX weeks to get the report. I have little faith that I will be able to resolve the issue once the report is in hand. In the meantime, until this gets resolved, if it ever gets resolved, I am completely unable to freeze and unfreeze my credit with Experian. This is an infringement on my rights, as the FTC recently rules that bureaus must allow free access for consumers to freeze/unfreeze their credit on demand : https : //www.ftc.gov/business-guidance/blog/2018/09/new-freeze-law-effect-september-21st-your-business-ready I don't know what to do.

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 2023-06-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Care Credit charges me a late fee of {$41.00}. 
I owed Care Credit a balance of over {$4100.00} and always made beyond my minimum payment because I want to finish paying this card. I never missed any of my payments. 

In my last statement care card charged me a late fee {$41.00} due to not receiving their statement on time to pay my bill. I call to explain to Care Credit but they refuse to assist or waive the {$41.00}. I am XXXX and on a fixed income. Wavie this fee will help. 

Care Credit doesn't care about helping their customer.

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 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
TRANSUNION IN ITS CONTINUOS VIOLATION OF MY GUARANTEED RIGHTS UNDER THE FCRA GUIDELINES HAS REFUSED TO REMOVE A STATEMENT FROM MY CREDIT REPORT WHICH IS UNAUTHORIZED BY ME EVEN AFTER SEVERAL REQUESTS BY MYSELF FOR THIS UNAUTHORIZED STATEMENT TO BE REMOVED BY TRANSUNION. THE STATE IS STATE AS FOLLOWS " Data Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ). '' I DEMAND THIS STATEMENT BE IMMEDIATELY REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY. attached is a copy of my credit report and a screen short of the part in question highlighted

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 2023-01-13
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-04
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: CA
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:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am writing a letter of dispute. I have included a copy of my driver'slicense and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative account records be verified, and/or removed immediately. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, 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:
As a natural person, who is federally protected I did not give this consumer reporting agency written permission to furnish any accounts on my consumer report according to 15 USC 1681 ( a ) ( 4 ). It is an invasion of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Also, according to 15 USC 1681a ( e ) factual information shall not be included on a consumer 's credit record. This consumer reporting agency is in violation of three federal laws. I demanded her to remove the accounts referencing federal laws as a protected consumer exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: EQUIFAX, INC.
State: WA
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 have three time now provided Equifax with a letter of explanation from XXXX XXXX removal of late payments on my credit report. Which is attached with this file. I filed my 3 rd dispute with Equifax apprx XXXX, XXXX 2020. Equifax responded with a generic response and did not remove the codes but requested I go back to XXXX XXXX. However I provided the letter from XXXX XXXX clearing up the issue and included it with the recent dispute.. No one at Equifax looked at the documents otherwise it would have been removed immediately. I have attached page 4 of Equifax standard dispute response letter along with two pages from XXXX XXXX with the removal information on page 2 of the XXXX XXXX document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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 Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXXXXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-07
Company: EQUIFAX, INC.
State: KY
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 was recently informed while house hunting that I was attached to two socials and this is common with identity theft. I also noticed some Inquiries that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX with XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX  with equifax and XXXX  I also tried to call in to get security freeze removed again and was unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CITIZENS FINANCIAL GROUP, 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:
these accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CITIZNSONE Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/CITIZENS Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
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:
Inquiries Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 a victim of identity theft. I didn't realize how severe until I took a look at my credit reports. The following accounts are a result of theft and are not mine. 

I noticed the following accounts and inquiries on my credit report. 

transunion US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Trans Union XXXX US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX 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 Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX 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 Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX 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 2020-09-12
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 my wife and I refinanced our home with Freedom Mortgage. As apart of the closing Freedom Mortgage withheld {$2200.00} as a Escrow Holdback for minor repairs required by Freedom Mortgage. We have made several attempts to retrieve this funds as the required repairs have been completed. Every attempt to resolve this matter with Freedom Mortgage as resulted in being transferred to several different departments with no willing our able to assist with resolving this issue. My Freedom Mortgage loan number is XXXX. I will attach below a copy of the Escrow agreement.

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 2021-11-01
Company: EQUIFAX, INC.
State: AL
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
I have never applied for credit application or any inquiry with Capital one. Capital one is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, XXXX and XXXX consumer report on date of XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been experiencing problems linking my bank account to outside sources. There is a connectivity problem or my bank has done something that will not allow me to link.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : My only and Legal name is XXXX XXXX XXXX, any other references to names such as the following must be immediately removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. Also, please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. All other addresses are not accurate. Please remove these inaccurate addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX POWERS XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX POWERS XXXX AV XXXX XXXX XXXX FL XXXX XXXX These Personal information you are reporting are clearly inaccurate and I need you to cease reporting and remove such information from my Credit report as soon as possible.

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