vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C 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. 


XXXX Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX Employer XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C 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. 


XXXX Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Addresses : XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX Employer XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have sent Navy federal credit union a correction of billing errors notice pursuant to 15 USC 16666 ( a ) which was delivered XX/XX/2022, stating that there is an error in the statements for credit cards and vehicle " loan '' associated with ACCOUNT NUMBERS ENDING : XXXX pursuant to 15 USC 1666 ( b ) ( 4 ) and have demanded that they credit the account with the amount of credit ( {$6000.00}, {$1000.00}, and {$61000.00} ) that was issued to the consumer ( 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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2022 Paypal said my purchases which were never fulfilled were protected under their policies and told me countless times over the phone and chats that I would get my money back and to be patient. They initially said 15 days of no response from the vendor XXXX XXXX would result in a ruling in my favor. 

I was very patient, but Paypal waited until XX/XX/XXXX at XXXX to notify me I was ineligible to receive purchase protection on my 24 unfulfilled orders for a total of {$19000.00} which were under 180 days old. 

They additionally said there would be a high likelihood of orders over 180 days that were unfulfilled to be refunded. 24 orders with a total of XXXX. 

This process was extensively misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Called XX/XX/2022 spoke with XXXX ( id XXXX ), XXXX XXXX id XXXX ), XXXX XXXX id XXXX ), XXXX ( id XXXX ), all stated to be supervisors and where all unfair and continued to violate my rights as a consumer. I was told to get help I would have to send a police report. I asked for the law or a policy to show I needed to do so. I demanded all accounts and inquiries be removed from my consumer report and file that I did not give consent to furnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
ORGINAL DEBTOR : CAPITAL ONE BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Original problem- I paid Capital One Bank on time every month. I'm On SSI, so when i got paid 2 days early one month I paid COB 2 days early. They put that amount into the month prior. I tried to get them to shift the payment to The next billing period but they wouldn't. I didn't have any extra money to send to them so I Told them they aren't getting anymore out of me. 

Current problem - They sold my information to XXXX XXXX XXXX 's, XXXX. 
Ever since then its several phone calls a day. One in which is an aggressive sounding voice message. Not only that but they never gave me a notice informing me of my RIGHTS to dispute nor a form to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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. ( I never gave XXXX XXXX XXXX XXXX permission to furnish any installment accounts on my consumer report. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I reached out to PayPal when I noticed money missing from my account. I spoke with them and filed a dispute via the website. One of the charges was refunded however the other two were denied. I reached out to PayPal and they told me that two were denied because they were familiar, however these were done hours form my home. I only ever use PayPal for XXXX XXXXXXXX XXXX. I mean of course the pin was used I never received the card to set a pin. So a representative reached out and told me that they refunded one as a courtesy.. however I know that there are laws in place and refunding an unauthorized charge is not a courtesy its their obligation under consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SLM CORPORATION
State: NJ

Complaint narrative:
University XXXX XXXX XXXX in XXXX CA invites me back as a student and I am in need of a loan for apporoximately 3 grand and can not get accepted into one i am assuming because mom wasn't able to pay back parent loan on time at all times however now that i am back from my bad period of time, even then everything was payed back on time so therefore i SHOULD be able to get accepted into one. Could you please let me know which one and how to get it please? My credit is good. No worries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone tried to open four checking account in three different banks under my name and wrong address. Only one bank verified the last four of my social security number. I opened an identity Theft case with the police and they said we that they would content me if they received any information. If any questions call me at ( XXXX ) XXXX. 


XXXX XXXX XXXX  checking account XXXX XXXXXXXX XXXX XXXX checking account XXXX XXXX application number XXXX Wells Fargo no account number given

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal restricted my account with money in it and told me to wait 180 days so I can have access to my funds, its been over 180 days now and I called to have my funds released only to be told I should wait to receive an email with instructions XXXX knows when before I can have access my funds which has been locked for over 180 days. I called on several occasions and it seems each representative seems to tell me a different story and its like they want to take my money. Please help me get my funds back as I need to pay some bills Im late on payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: WI

Complaint narrative:
I went to the bank on XX/XX/2022 to ask for a void check to take to my work to use direct deposit ... and the employee gave me someone else 's void check... I don't know how that happened and why I gave him my driver 's license... this happened at the US Bank branch at this address : XXXX XXXX XXXX XXXX XXXX, WI XXXX. I became aware of this situation because this weekend I received a check stub with other direction

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 2022-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NV

Complaint narrative:
on Monday XX/XX/2022. I XXXX XXXX contacted them to let them know the account REPORTED is not mine. I ask them why they are still reporting XXXX and XXXX when XXXX deleted and remove my credit report, WHICH I HAVE DOCUMENTS TO APPROVE!. I was giving a sum of {$190.00} of debt owe over the phone. When its reported {$900.00} on credit report via XXXX XXXX XXXX. Under 15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. THERE ARE IN VIOLATION OF COSUMERER LAW AND PUBLIC LAW.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
N accordance with the fair Credit Reporting act XXXX Account. The accounts below 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX  {$1400.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX additional reporting multiple times XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX 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 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
This company harassment me repeatedly for a debt I didnt owe and violated my rights. I didnt give them permission or authorization to share my personal information and the debt was paid for and they charged me in error. I was closing on my home and they made me pay on a debt I told them I didnt owe and because I didnt know the law I didnt know my consumer rights at the time. I have proof the violated my rights on the invoices they mailed and the multiple calls I received at inappropriate times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To whom it may concern I have not been checking my credit. Recently as an account with your name addresses a different Social Security numbers. The following are fraud accounts name addresses thats on my credit report. Accounts : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX Phone numbers : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have request for assistance with XXXX XXXX XXXXXXXX program. My application is completed. State has sent information to SLS on XX/XX/XXXX. On XX/XX/XXXX I was informed response was sent to XXXX XXXX XXXXXXXX program. On XX/XX/XXXX I called XXXX XXXX XXXXXXXX program they confirmed me once again information requesting was send on XX/XX/XXXX. 
I called and tried to spoke SLS they told me it will take end of XXXX to send response. XXXX XXXX XXXXXXXX program can complete my application without response form SLS. My request to speak to supervisor or agent from HAF department was denied because they dont speak to homeowner. Loan is ours and we can talk to them is problematic. 
Default notice was filed to sell the property on XX/XX/XXXX and we getting close to deadline. By the way I have left 2 messages on a single point of contact phone number no one has returned call. By end of XX/XX/XXXX, it will be close to one and half month and this will get close to deadline. By end of XX/XX/XXXX, it will be close to one and half month and this will get close to deadline.

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C 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. 


TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : 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 2022-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/XXXX lost job due to XXXX  shutdown of business I worked for. 
Heard about various options for mortgage help Contacted lender ( US Bank ) for information Received correspondence from US Bank in XXXX XXXX regarding forbearance From that point on it has literally been a hamster wheel in action Each customer service rep who answers the phone has a different story, different requirements to proceed, has no idea what the previous representative has done, said, etc, etc. 
Keep getting letters and forms in mail, some with an identical date, but with totally different content. 
Contacted them in XX/XX/XXXX and told them I had returned to work, wanted to resume mortgage payments. Rep said not to make payments. I did, however send in some. Don't know what happened to them. 
XXXX, XXXX rec 'd letter that a foreclosure action has been initiated. 
XX/XX/XXXX rec 'd letter offering to enter into trial period plan under FHA Hamp combo modification. 
I have no idea what all this means, why the story changes weekly, and I need some help desperately. PLEASE HELP!!

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