vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been currently disputing a double charge on my bank Truist for over three months for a charge in XXXX for {$100.00}. 
The first time I dispute the transaction via web. I was given provisional credit after I received an email stating that I needed to dispute the transaction with the merchant, I followed through. I dispute with the merchant three times, no resolution. Furthermore, I also contact my bank in the matter that merchant said no record of transaction was found and can not be disputed through them. Likewise, I have proof that I emailed the merchant and a voice mail that was left. I open a claim with Truist which I received no email was informed to wait. After all this time I called again early XXXX according to the agent I had to opened another claim because the previous representative filled the information incorrectly I was instructed to wait again. No email was sent to me, I was only given a claim number. 
I called end XXXX the agents toggle my call to different departments and was only informed that I must continue to wait the call had drop. I called once again, the last agent that helped me over the phone reviewed my case and informed me both claims I opened previously were filled in incorrectly thus not being processed. 
The representative said she corrected the information and email a supervisor in regards, informed me to wait til XX/XX/2023 to call. 

I went to a Truist walk-in branch, a gentleman assisted me in regards and understood my situation. I am entitled to the money that belong to be. He was having technical difficulties with system, he transferred me over to his colleague, she assisted me to open another claim even though I had one open. 
She XXXX XXXX informed me that I must wait for a letter in the mail and the claim may not be approved due to it being past 60 days. As well as saying that the claim takes 60 days to process as well. 

Which upset me greatly because I have been more than patient with this bank to process my refund to my account which is funds that rightfully belong to me that have not been accessible this whole time. 
This was a situation that should have been solved by the second claim I made. 
I trusted the representative over the phone to do their job correctly and because they did not, I am paying the consequences of their actions. 
Her response made no sense because it also took time to dispute the transaction with merchant, and it also took time to receive answer from them. 
I only comply with what I was told at the time.

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 2022-12-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: MD

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I received a car title loan from Wilshire Commercial Capital L.L.C . XXXX Wilshire Consumer Credit XX/XX/2021 when I was going through some hard times. I'm not using this as an excuse but I was rushed through the whole process. I started having issues paying for the loan, so I started researching, and my interest rate is very high, 88.77 % annually. Doing research I read in the state of Florida XXXX may be applicable in this case because Florida 's maximum interest rate is 18 % right? Then under Fl Statutes XXXX the Fl title loan act requires a title loan lender to be licensed by the XXXX XXXX XXXX XXXX and Wilshire Commercial Capital LLC has no licenses for Florida their XXXX ID is XXXX. So with the high-interest rate and with the car as their security, it shouldn't be this high. I owe more now than I did when I first got the loan. I have made 12 out of 43 payments of XXXX a month and a couple that was a little more with a total of {$6600.00} paid 31 payments left = {$17000.00} and a payoff of {$9500.00} and the amount I financed was {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I submitted a background check through XXXX and the credit bureau Experian is stating my SSN card was issued prior to my date of birth, which is incorrect! I supplied Experian with a letter stating my SSN card was issued after my date of birth! Additionally, I currently work for Department of Veterans Affairs, a Veteran myself and passed a federal background check! Experian is causing undo hardship by not updating correctly the date my SSN card was issued! Causing loan issues with my creditors and future creditors.

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 2022-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I do not owe XXXXXXXX XXXX ANYMONEY ... They had a eviction hearing and within the hearing the judge REMOVEDme from the case because l NEVER lived there. The court sent me a copy of the summo s taking my name off and l called XXXX XXXX XXXXXXXX court and the clerk confirmed l was removed and no judgment was on me. I spoke to a rep at THUNDERBIRD COLLECTIONS and they were dis respectful and RUDE.l told them l don't owe this place any money and there is NO judgment in my name. The un professional worker just proceeded to argue with me and hung up in my face. L just checked my credit and THEY ADDED IT TO MY CREFIT AS AN OVER XXXX JUDGEMENT and ruined my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX XXXX  XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX XXXX, Unable to be verify inaccurately reported information. 

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

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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
I have already tried to speak with the company to which it turns out to be a fraud group XXXX XXXX. 

I have attached details

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuses to remove an alleged account from my credit report that XXXX XXXX XXXX said was opened in XXXX. That is beyond the 7 years by Federal Statute and Equifax refuses to remove the Specialized Loan Services entry from my credit report, Equifax 's data shows no payments were made on the account and the account is closed but in repayment process, yet no payments have ever been made on the account listed nor did I ever have a loan with XXXX XXXX XXXX. In addition Equifax has locked me out of my account with them to further dispute this false and outdated information. Multiple times I have request proof from Equifax and specialized loan services for proof any payment was ever made to specialized loan services and since they can not provide proof of any payments being made to them from me, and since the alleged account was from XXXX, it is beyond the 7 year statute of limitations for Equifax to report and by law should be removed from my credit report by Equifax. Equifax refuses to remove an item that is over XXXX XXXX XXXX in violation of XXXX law. 
No payment was made to Specialized Loan services in XX/XX/XXXX, XXXX XXXX XXXX just made up this entry without proof of any payment in XX/XX/XXXX to keep the entry on my credit report. This account is over XXXX XXXX XXXX and a zombie debt and I never had a loan with specialized loan services and they refused to provide proof of anything with my signature on it that I ever had a loan with them, and Equifax refuses to remove the entry from my credit report REAL ESTATE LOANS SPECIALIZED LOAN SER Reported : XXXX XXXX, XXXX {$14000.00} Closed Overview You have 100 % left to pay on this real estate loan. 

Balance {$14000.00} Highest Balance $ 0 Monthly payment {$200.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term No Info Payment History Youve made 96 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Account Details Account status Closed Type Home Equity Line of Credit Responsibility Individual Account. 
Remarks Account previously in dispute - Now resolved by data furnisher Credit line no longer available - in repayment phase Times XX/XX/XXXX days late XX/XX/XXXX Closed XXXX XXXX, XXXX You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO EQUIFAX XXXX XXXXXXXX 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 2022-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
XXXX my mom took over an agreement of {$100.00} to keep my car from going to repo, to include thats also over the reason has been negatively affecting my credit. I was XXXX I have documentation upon release. No third party without consent from the leaser should have made proceeded due to non communication, no understanding, no break down of what only a payment of {$100.00} when the agreement was {$410.00} monthly so all charges was a build up. XXXX is the passed due balance which is negatively affecting my credit. How can I go about any progression for this? Thank you, 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 2022-12-30 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is fraudulent, inaccurate as well as unverifiable information being reported on my credit report that is damaging my credit worthiness according to Section 609 ( d ) of the Fair Credit Reporting Act they must be removed immediately. 

XXXX : XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX  {$290.00} XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$830.00} DEPT OF EDUCATION/XXXX XXXX XXXX Closed DEPT OF EDUCATION/XXXX XXXX XXXX Closed XXXX XXXX XXXX  {$290.00} XXXX XXXX XXXX  Collection {$860.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$390.00} Transunion : XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX  {$500.00} XXXX XXXX XXXX XXXX XXXX  {$830.00} DEPT OF EDUCATIONXXXX XXXXXXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX {$290.00XXXX XXXX XXXX XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX : XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX {$290.00} XXXX XXXX 
XXXX XXXX  Collection {$860.00} XXXX XXXX XXXX XXXX XXXX {$440.00XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}

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 2022-12-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is fraudulent, inaccurate as well as unverifiable information being reported on my credit report that is damaging my credit worthiness according to Section 609 ( d ) of the Fair Credit Reporting Act they must be removed immediately. 

XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX  XXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATION/XXXX XXXXXXXX XX/XX/XXXX Closed DEPT OF EDUCATION/XXXX XXXXXXXX XX/XX/XXXX Closed XXXX XXXX XX/XX/XXXX {$290.00} XXXX, XXXX. 
XXXX XX/XX/XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} XXXX : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XX/XX/XXXX {$290.00} XXXX, XXXX. 
XXXX XX/XX/XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} Equifax : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX  Collection {$860.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$390.00}

Company response to consumer: Closed with explanation