BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My previous case ( XXXX ) with suntrust/truist was closed and somewhat resolved. I was notified that check # XXXX was sent to my previous address, but I never received the check as that address on file was incorrect. Truist representatives are still no help in trying to get another check issued for {$340.00} to my correct address which is XXXX XXXX XXXX. If possible I would like for another check to be issued as I never received the first one. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
U.S. Code 15 U.S.C. 5 1681 Section 604 of The Fair Credit Reporting Act According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified. 

15 US.C, 1602 ( g ) 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 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 Which is a {$1000.00} per violation

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 2020-03-22
Company: LEXISNEXIS
State: WI
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:
XX/XX/2020 Lexis Nexis was contacted on how they verified a bankruptcy on they they reported to all 3 major credit bureaus and have yet to provide me with the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Convergent accounts 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 In accordance with the Fair Credit Reporting act Convergent account # 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 an account without my written instructions 15 U.S.C 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting section ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In General : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2020-03-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
When correcting my Experian credit report. 
I am unable to remove my XXXX auto loan off my report after refinancing it The dispute page says that i already disputed one, and my dispute can't be submitted. 
I uploaded a letter that my loan is paid off. But the old balance of my loan is still displayed. And i have two loans on my report. 
Also, i emailed the XXXX XXXX about it. But they have not replied yet.

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 2017-05-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem is : I am trying to get Chase mortgage company to update their system. I filed for bankruptcy in 2011 and Chase never re affirm the loan. I reopen the bankruptcy case this year for the sole purpose of reaffirming the loan. After months of calling, writing and filing court extensions the reaffirmation was finally done. I want to sale my home, but every time I call to get a payoff they inform me that it will tak e 7 to  10 days because I am still under bankruptcy. I explained to them that my bankruptcy case is closed and that I have a copy from the count showing this. They stated that it will take up to 4 months to update their system. I have inform them that I do n't have 4 months because the underwriter will be calling them next week to get my payoff. I need my bankruptcy case closed in their system as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am Submitting in Writing All My Proper IDENTIFICATION ... .INCLUDING MAIL RECEIVED AT MY ADDRESS. MY CERTIFIED MAIL SENT INTO All XXXX CREDIT BUREAU 'S and the C.F.P.B. In XX/XX/XXXX which I still have the Hard Copies of the Packets with Each Receipt and Verified Signed for by Whom Sent to ALL PARTIES. I had All the Proper Identification etc. needed but I have HAD NO RESPONSE TO ANY Of This Or Any FOLLOW UP. Submitting Again in XX/XX/XXXX all Correspondence needed for My Complaints Filed XX/XX/XXXX & XX/XX/XXXX Including the Proper Identification Needed to Take this SERIOUS..!!! 
Here are the Four COMPLAINT FILE # 's Case Number:XXXX ... ... ... ... ... ... ... .... Case Number:XXXX ... ... .... Case Number:XXXX ... ... ... ... ... ... ... ... 
.... Case Number:XXXX I am Not Allowing this to BE IGNORED AGAIN ... .after 1 1/2 YEAR DILIGENTLY Addressing and to Consume All My Time of Nine Months ... .Enough is Enough. 
I have More than SUBSTANTIATED DOCUMENTS to PROVE INCORRECT REPORTING AS WELL AS FALSIFIED DOCUMENTS of Reporting on MY CREDIT BUREAU FILE. 
If this is Not CORRECTED within the next 2-3 WEEKS, I Have been through so Many 30 DAY INTERVAL of Awaiting Responses for NO CORRECTIONS Being All PROCESSED. 
YOU Leave Me With the Only Other Alternative to Take ALL this to the XXXX XXXX XXXX Who Has Already Expressed Wanting This Information. I AM NOT GOING TO BE TOLD THAT THE SYSTEM Is COMPUTERIZED IN ASSESSING OUR FICO SCORE. 
It Has to BE Programmed by a Human, so When Our Scores are DELETED Due TO INCORRECT REPORTING or FALSE INFORMATION SUBMITTED BY A CREDITOR OR COLLECTION AGENCY and then Explained about how the System does our Scoring, DEDUCTS but Can not ADD It BACK AFTER YOU Have Proven with SUBSTANTIATED DOCUMENTS Incorrect, I am not BUYING THIS CAN NOT .... ADD MY SCORE BACK That Was WRONGFULLY DEDUCTED. THIS IS NOT ONLY UNJUSTIFIABLE but VERY DEMEANING To Any INDIVIDUAL. I EXPECT TO GET MY SCORE REDONE ( XXXX ) not to Receive Some Lame EXCUSE that it Ca n't BE Done ... Then YOU Need to GET THIS PROBLEM CORRECTED TO ADD BACK The SCORES WRONGFULLY DEDUCTED. 
I know I am Speaking and Supporting Other Consumers who have been Unjustifiable Treated the Same Way.

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 2016-11-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my free report. I entered all my information & received the message that they were unable to provide my report online

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 2015-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is not my account. Remove immediately. I did not authorize myself to be added to this account. I do not have a XXXX credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04
Company: Statebridge Company
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After long hold times, I was able to make a payment by phone on XXXX/XXXX/2016 for my XXXX mortgage payment. I received a confirmation number for same-day payment. I saw the bank draft on XXXX/XXXX/2016 on my account. Statebridge credited my account on XXXX/XXXX/2016 and charged a late fee. My payment on XXXX/XXXX/2016 also included an additional amount towards the principal. This amount shows as " credit '' and as of XXXX/XXXX/2016 has not been applied to the principal. In summary, Statebridge charged a late fee even if the payment was not late ( I have a recording as proof ) as well as avoided to deduct the additional principal amount towards my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I HAVE DISPUTED THIS ISSUE WITH EXPERIAN BEFORE AND THEY STILL LIST THESE INCORRECT ACCOUNTS ON MY CREDIT REPORT. I JUST WANT THEM TO EITHER SHOW ME THE DOCUMENTS THEY SAY THEY USED TO VERIFY THIS INFORMATION OR FOLLOW THE LAW PER FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THEM IMMEDIATELY.

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 2022-03-28
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:
in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX OF XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights XXXX 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Southwest Credit Systems, L.P.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two years ago, I had XXXX internet service. My satellite had to be worked on more than once, resulting in loss of service and even on most days I didn't have service any way. The last representative I spoke to told me my satellite never worked correctly in the first place and he waived my early termination fee. But every so often, they still turn it over to a collection agency, I have to make angry calls, and then the Bill disappears. They have done it once more and I am just so tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: 1st Franklin Financial Corporation
State: GA
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 HAVE DISPUTED THESE ACCOUNTS SEVERAL TIMES. THESE ARE NOT MY ACCOUNTS. THEY ARE FRAUDULENT ACCOUNTS. HOW IN THE ENTIRE XXXX DO I KEEP GETTING ACCUSED OF USING A CREDIT REPAIR COMPANY? THIS IS CAUSING MAJOR STRAIN ON ME AND MY FAMILY. THIS IS ALSO CAUSING ME MENTAL ANGUISH AND XXXX. I FEEL AS IF I AM BEING VICTIMIZED ALL OVER AGAIN. THESE COMPANIES SHOULD NOT BE ALLOWING PEOPLE TO COME INTO THEIR BUSINESS AND OPEN FRAUDULENT ACCOUNTS. THEN THE CREDIT BUREAUS IRRESPONSIBLY REPORT THEM ON MY XXXX CREDIT. XXXX  AND XXXX  REMOVED THESE FRAUDULENT ACCOUNTS. XXXX  REFUSE TO TAKE THESE FRAUDULENT ACCOUNTS OFF MY CREDIT. MY NEXT STEP IS TO CONTACT THE ATTORNEY GENERAL. I WILL BE BRINGING A LAWSUIT AGAINST XXXX, XXXX XXXX  XXXX, AND 1ST FRANKLIN. ALL THESE COMPANIES ARE SCAM. THEY FRAUDULENTLY LET PEOPLE OPEN CREDIT ACCOUNTS IN MY NAME.

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 2016-09-21
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is added to complaint number XXXX. Evidently, someone changed my overdraft protection which caused a alleged NSF ( not sufficient funds ). This caused a major problem but I still have n't received notice of this. I do n't believe in consequence, Someone from the IRS at the last minute to deny my tax refund due to the four years use of the Hope Credit. The problem is that I never used the Hope Credit because it does n't apply to me. Due to the NSF my check for rent was n't accepted for XXXX XXXX XXXX and suddenly under time they want to remove me even with funds available. I do n't believe that this fraud can be just happening and you still have n't received an answer from Huntington Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX USAA CFPB RESPONSE XXXX XXXX CONFIRMS FALSE ALLEGATIONS. USAA FABROCATED FRAUD REPORTS I DID XXXX NOT REPORT AS FRAUD. XXXX USAA FRAUDULENTLY REPORTS FRAUD REPORTS CONSUMERS NEVER SUBMITTED. USAA XX/XX/XXXX TRYING TO COLLECT ON ID THEFT case XXXX CONFIRMS FRAUD REPORTED BY ME BEING XX/XX/XXXX {$470.00} ( PLUS XX/XX/XXXX - XX/XX/XXXX {$180.00} THEN {$59.00} THEN XX/XX/XXXX {$230.00} ) ** KINDLY NOTE THESE ARE INCLUDED IN THE {$470.00} I REPORTED FRAUD XX/XX/XXXX. USAA CAN VIEW THEM ON STATEMENT ATTATCHED XX/XX/XXXX. USAA TRIES TO COLLECT?? KINDLY NOTE** see attatched XX/XX/XXXX STATEMENT ** KINDLY NOTE XX/XX/XXXX STATEMENT WRITTEN DOCUMENTATION USAA PROVIDED NO CREDITS * USAA CONFIRMS DOUBLE FRAUD REPORTED BY ME.?? NOT TRUE. FALSE ALLEGATIONS KINDLY NOTE USAA YOUR {$180.00} + YOUR {$59.00} + YOUR {$230.00} FAKE FRAUD REPORTS TOTAL TO THE PENNY THE {$470.00} I DID REPORT AS FRAUD!! AND KINDLY NOTE USAA XXXX HAS NEVER RESOLVED THIS FRAUD** CLAIM I REPORTED FRAUD {$470.00} XX/XX/XXXX XXXX NO USAA CREDITS WERE EVER GIVEN see Statement XX/XX/XXXX. THERE ARE NO USAA CREDITS. USAA COLLECTS ON ID THEFT USAA DOES NOT RESOLVE FRAUD. ** FABROCATES FRAUD REPORTS USAA REPORTS ** FALSE CREDIT INFORMATION DESTROYING CONSUMERS CREDIT SLADERING MY NAME THAT I REPORTED FRAUDULENT FRAUD REPORTS I DID NOT REPORT. see attatched FRAUD LETTER XX/XX/XXXX it took from XX/XX/XXXX to XX/XX/XXXX to complete this fraud investigation ( 10 ) MONTHS?? AND ** THERE ARE NO TEMPORARY CREDITS TO MAKE PERMANET!!!. XXXXTHIS CONSUMER HAS BEEN HELD LIABLE FOR AND COLLECTED ON FOR ID THEFT FRAUD OF XX/XX/XXXX USAA ACCUSED ME OF REPORTING FRAUD ON RETURNED ITEM XXXX XXXX OF {$120.00} TO SLADER MY NAME REPORTING ME AS CRIMINAL DENYING MY LEGITIMATE FRAUD CLAIM ** LOOK HOW MANY CFPB COMPLAINTS REPORTED AND STILL TWO YEARS LATER. STILL NO RESOLVE????? USAA OWES ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off an old XXXX account that was closed. They started billing me an amount XXXX for something I have no reason to owe! I have tried numerous and numerous of times to have it removed, but it will not be removed from my credit report. I have tried to reach out to XXXX XXXX XXXX AND NO ONE WILL EVER REACHED BACK OUT TO ME. Please someone if they would help me with this problem.

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 2018-05-30
Company: Convergent Resources, 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:
In XX/XX/XXXX, I received a copy of my credit report. I noticed that XXXX XXXX had placed an entry on my report and had not previously notified me that they were allegedly attempting to collect a debt from me. This company did not send a dunning letter prior to placing the entry on my credit report. This is a direct violation of my consumer rights. Additionally, it did not allow me the 30 days as mandated by consumer law to dispute the validity of their inaccurate entry. To that end, I disputed this entry to the credit bureaus in XX/XX/XXXX. XXXX, XXXX and XXXX alike stated the account was verified. I followed up with this company disputing the entry they placed on my credit reports. In my most recent attempt at researching this alleged debt, I sent a dispute dated XX/XX/XXXX to Convergent. 

In this dispute, I requested that Convergent provide an agreement that states their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable, verification that this debt was assigned or sold to collector, complete accounting of the alleged debt and name and address of the bonding agent for this collection agency in case legal action becomes necessary. 

Convergent failed to deliver the information, yet they continue to violate my consumer rights with the reporting of this entry. Convergent 's response provided mere screenshots of information that could be very well manipulated and falsely created. 
Also, the screenshots provide no validation to the alleged debt being mine. This item should be DELETED immediately from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
see CFPB complaint XXXX XXXX I submitted XX/XX/2020THIS HAS BEEN 30 Days Ago. Why has there been NO RESPONSE TO COMPLAINT USAA PROVIDES ME ** NO ACCESS DUE TO MY XXXX.??? ( Members not XXXX have 24/7 ACCESS ). I HAVE NONE. see detailed account of no access in this complaint. USAA DENIES ME MY CIVIL RIGHTS DISCRIMINATES AGAINST MY AGE AND XXXX WITH NO ACCESS THAT ALL OTHERS ARE PROVIDED. EVERYONE NEEDS ACCESS TO THEIR BANKING! I AM A VICTIM ( XXXX YEAR OLD ) OF ID THEFT WITH NO ACCESS TO REPORT OR PROTECT MY SELF FROM FRAUD AND NO RESOLVE WITH USAA??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS
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 disputed these Inquiries on my credit report however the bureaus will not remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), 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 XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX XXXX, MS XXXX, REMOVE PHONE NUMBER ( XXXX ) XXXX REPLACE WITH ( XXXX ) XXXX, REMOVE NAME SUFFIX ( 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 2022-03-28
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A XXXX LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS

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