vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Processing Services, LLC
State: FL

Complaint narrative:
I keep receiving threatening calls on my personal phone, at place of employment. They have even called my family, friends, landlord threatening and harassing calls. I want the calls to stop ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account 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 an 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 explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have XXXX inquiries on my credit report that where requested on XX/XX/2023 and XX/XX/2023. I did not authorize any of this activity on my account through this company.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE SEE ATTACHED FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
On XX/XX/XXXX I payed my loan and got confirmation for the payment. 
Then my payment reversed for no reason and they didn't give me an alert so my payment was late. 
I also enrolled in autopay on the same day and despite double checking info several times when this months payment date came around - it did not deduct from my account. 

Tried calling several times with no success and very long wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Delete all accounts and all account information  3. Hard Inquiries I have disputed and demanded for the deletion of the following inquiries. - XXXX XXXX XXXX  delete this hard inquiry I did not authorize or accept any offer - XXXX XXXX delete this hard inquiry I did not authorize or accept any offer -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX  delete immediately XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - delete XXXX. Delete and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX  delete t 6. Delete and remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX delete XXXX. XXXX XXXX XXXX XXXX  delete account immediately XXXX XXXX XXXX XXXX - delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXX XXXX XXXX XXXXXXXX delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXX. XXXX XXXX XXXX - delete account immediately - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - XXXX XXXX XXXX XXXX - delete account immediately - - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Delete all accounts and all account information  3. Hard Inquiries I have disputed and demanded for the deletion of the following inquiries. - XXXX XXXX XXXX delete this hard inquiry I did not authorize or accept any offer - XXXX XXXX  delete this hard inquiry I did not authorize or accept any offer -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - delete 5. Delete and remove XXXX XXXX XXXX  / XXXX XXXX XXXX delete t 6. Delete and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete XXXX. XXXX XXXX XXXX - delete account immediately XXXX. XXXX XXXX XXXX - delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXXXXXX XXXX XXXX XXXX delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXX. XXXX XXXX XXXXXXXX - delete account immediately - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - XXXX XXXX XXXX XXXXXXXX - delete account immediately - - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Delete all accounts and all account information  3. Hard Inquiries I have disputed and demanded for the deletion of the following inquiries. XXXX XXXX XXXX XXXX  delete this hard inquiry I did not authorize or accept any offer - XXXX XXXX delete this hard inquiry I did not authorize or accept any offer -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - delete XXXX. Delete and remove XXXX XXXX XXXX  / aidvant - XXXX delete t 6. Delete and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete XXXX. XXXX XXXX XXXX  - delete account immediately XXXX. Nav # XXXX - delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXXXXXX XXXX XXXX XXXX  delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXX. XXXX XXXX XXXXXXXX - delete account immediately - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - XXXX XXXX XXXX XXXX XXXX delete account immediately - - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that the information included in my credit report profile, has failed to maintain reasonable procedures the operations to ensure, the maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes. FCRA 15 USC 1681

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 2023-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal deducted money from my paypal account on XXXX XXXX without authorization also PayPal hasn't not proof the acceptable user policy that was violated. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Good morning and thank you for reading this information. I am a client of Carecredit/Synchrony and My account was enrolled in a plan. 
After contacting Carecredit/Synchrony Bank XXXX XX/XX/2023. The issue was related to a financial hardship I was having and was unable to pay my account. After speaking to the representative that day over the phone my account was closed, and I was advised that based on the information I provided I was able to secure a Payment plan due to my expressed hardship. After enrolling and making several payments I was shocked to learn via a statement that I was imposed an additional charge for interest, I contacted customer services and was advised that a senior manager would attend to this matter. Months have passed by, and I have yet to hear from anyone. At the time of my enrolling in the payment plan ( XX/XX/2023 ) my balance was approx. {$850.00}. However, upon receiving my statement for XX/XX/2023 closing date my new balance reflected {$1000.00}. The summary stated it appears to be an interest charge for {$260.00}. If your office can kindly assist me with this matter, it would be greatly appreciated, I can't seem to comprehend why and I refer to the below caption that if my account was already closed why Synchrony would add that additional interest charge during a n existing Payment Plan. 

" " Your account is now enrolled in our Customer Assistance Plan. As a part of this payment plan, if your account is not already closed it will be permanently closed. Upon enrollment and for the duration of the payment plan, Synchrony Bank will reduce your APR to 0 %. '' ''

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 2023-11-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX over-inflated lease-end buyout figures outside of the terms of the XXXX lease and XXXX extension agreements. Failing to provide a written breakdown of the accounting and by only recognizing only XXXX of XXXX lease extension payments at lease end and at time of purchase has caused damage and created excessive fees associated with my purchase. 
Per XXXX of XXXX XXXX and paragraph XXXX of Extensions Contracts ( attached ), the contracted lease-end buyout residual value is {$18000.00}. XXXX extension contract states all XXXX payments ( not including tax ) totaling {$2100.00} to be deducted from residual value for a net buyout amount of {$16000.00} plus 8.5 % tax for a total of {$18000.00}. XXXX 's XX/XX/XXXX Bill of Sale states net buyout is {$17000.00} which excludes XXXX lease extension payments ( {$17000.00} - {$16000.00} = {$360.00} ) XXXX payment history and my final lease payment attached confirm XXXX lease extension payments received but not deducted when asked to provide updated residual buyout figure and purchase in accordance with lease extension agreement. 

By not deducting all XXXX lease payments while lease was active and afterwards during allowance period, XXXX over-inflated the pre-agreed to residual value and set off a string of errors at lease buyout and purchase which has caused considerable damage and harm.

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 2023-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Hi I opened an account with XXXX ending in XXXX on XX/XX/XXXX and used the card the XXXX time for {$13.00}. I paid the bill and I guess it was too late but didnt know there was a late fee added. Due to this my account which I thought was at XXXX balance went back to {$13.00} and incurred XXXX more late fees in XXXX and XXXX and now has it at {$89.00} past due. I called on XX/XX/XXXX to pay the initial late fee I missed to bring the account current and have the other fees removed. They were unwilling to work with me, even though I legit havent used this card but once and that item was paid for in XXXX.

Company response to consumer: Closed with monetary relief