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test.json
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[
{
"company": "Bank of America",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1780421",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2016-02-09T16:58:05.000",
"date_sent_to_company": "2016-02-09T19:52:53.000",
"issue": "Problems caused by my funds being low",
"product": "Bank account or service",
"state": "NY",
"sub_product": "Checking account",
"submitted_via": "Referral",
"timely": "Yes",
"zip_code": "11201"
},
{
"company": "Ditech Financial LLC",
"company_public_response": "Company believes the complaint is the result of a misunderstanding",
"company_response": "Closed with explanation",
"complaint_id": "2296617",
"consumer_consent_provided": "Other",
"date_received": "2017-01-19T17:57:34.000",
"date_sent_to_company": "2017-01-23T17:36:08.000",
"issue": "Loan modification,collection,foreclosure",
"product": "Mortgage",
"state": "WA",
"sub_product": "FHA mortgage",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "99301"
},
{
"company": "Synchrony Financial",
"company_response": "Closed with explanation",
"complaint_id": "1543488",
"complaint_what_happened": "XX/XX/XXXX I was approached by XXXX Attorney XXXX, located in XXXX CA, who claimed to be representing GE/Stein Mart, a credit card company from whom I had a credit card. I contacted XXXX requesting information on the debt, specifically invoices from the pro ported credit card showing purchases, payments and other information. The initial letter was sent XX/XX/XXXX. A follow up letter was sent XX/XX/XXXX after receiving no response to the first. I have yet to receive the information requested pursuant to the Fair Credit Reporting Act 1681s-2 and the Fair Debt Credit Protection Act. Last month I was rejected for a refinancing of my mortgage by the current mortgage holder, XXXX XXXX XXXX, in part due to this negative item on my report. This card, like several others, incurred a drastic increase in interest without notice and without cause in XXXX. I believe this was caused by a bankruptcy I filed that DID NOT INCLUDE ANY CREDIT CARD DEBT. I never missed or was late on a payment but multiple credit card companies increased the interest rate without notice or cause. I paid the increased interest for one or two years without realizing they had increased the rate. I have filed complaints with the CFPB and the other card holders on other creditors who did the same thing over the the same period and in at least one case the account was removed from my credit reports because it was found that the amount due was drastically incorrect when considering the overpayment of interest. In fact, the credit issuer owed me money. I am certain this credit card falls into the same circumstance but have been unable to get a response so I can perform the calculations to support my claim. I am including calculation of similar instances from another credit card company as an example of what I am certain is the case with this credit card. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2015-08-29T18:08:50.000",
"date_sent_to_company": "2015-09-04T14:55:10.000",
"issue": "Other fee",
"product": "Credit card",
"state": "TX",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "787XX"
},
{
"company": "Ocwen",
"company_response": "Closed with explanation",
"complaint_id": "1820018",
"complaint_what_happened": "I have been struggling with my mortgage payments, and applied for loan modification, back in XX/XX/XXXX.I was sent a package to resubmit back to mortgage holder, providing current information on income, expenses and desired options. The mortgage holder keeps on requesting the same income information that was previously provided and insist on delaying procedure to underwriter. HUD Counselor has take the approach that there is no standard or guideline to delays and stall tactics being used in the decision process rather a wait and see.I think from XX/XX/XXXX to XX/XX/XXXX is more than enough time to give a reasonable respond for an application. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2016-03-08T01:29:34.000",
"date_sent_to_company": "2016-03-08T01:29:35.000",
"issue": "Loan modification,collection,foreclosure",
"product": "Mortgage",
"state": "CA",
"sub_product": "Conventional fixed mortgage",
"submitted_via": "Web",
"tags": "Older American",
"timely": "Yes",
"zip_code": "946XX"
},
{
"company": "Fifth Third Financial Corporation",
"company_response": "Closed with explanation",
"complaint_id": "2019326",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2016-07-19T11:44:05.000",
"date_sent_to_company": "2016-07-20T18:07:23.000",
"issue": "Deposits and withdrawals",
"product": "Bank account or service",
"state": "FL",
"sub_product": "Checking account",
"submitted_via": "Referral",
"timely": "Yes",
"zip_code": "32206"
},
{
"company": "SunTrust Banks, Inc.",
"company_response": "Closed with explanation",
"complaint_id": "629839",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2013-12-11T17:05:57.000",
"date_sent_to_company": "2013-12-13T05:00:00.000",
"issue": "Cont'd attempts collect debt not owed",
"product": "Debt collection",
"state": "FL",
"sub_issue": "Debt is not mine",
"sub_product": "I do not know",
"submitted_via": "Phone",
"timely": "Yes",
"zip_code": "33056"
},
{
"company": "Select Portfolio Servicing, Inc",
"company_public_response": "Company believes it acted appropriately as authorized by contract or law",
"company_response": "Closed with explanation",
"complaint_id": "1774742",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2016-02-05T19:36:58.000",
"date_sent_to_company": "2016-02-09T20:29:51.000",
"issue": "Other",
"product": "Mortgage",
"state": "CA",
"sub_product": "Other mortgage",
"submitted_via": "Referral",
"timely": "Yes",
"zip_code": "92551"
},
{
"company": "Select Portfolio Servicing, Inc",
"company_public_response": "Company believes it acted appropriately as authorized by contract or law",
"company_response": "Closed with explanation",
"complaint_id": "1782334",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "No",
"date_received": "2016-02-10T20:54:56.000",
"date_sent_to_company": "2016-02-10T20:54:57.000",
"issue": "Loan servicing, payments, escrow account",
"product": "Mortgage",
"state": "PA",
"sub_product": "Conventional fixed mortgage",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "18974"
},
{
"company": "Bank of America",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with non-monetary relief",
"complaint_id": "1763919",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "No",
"date_received": "2016-01-30T03:27:25.000",
"date_sent_to_company": "2016-01-30T03:27:26.000",
"issue": "Loan servicing, payments, escrow account",
"product": "Mortgage",
"state": "HI",
"sub_product": "Conventional fixed mortgage",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "96732"
},
{
"company": "Servis One, Inc.",
"company_public_response": "Company believes it acted appropriately as authorized by contract or law",
"company_response": "Closed with explanation",
"complaint_id": "1780560",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "No",
"date_received": "2016-02-09T15:36:50.000",
"date_sent_to_company": "2016-02-09T15:36:51.000",
"issue": "Loan modification,collection,foreclosure",
"product": "Mortgage",
"state": "CA",
"sub_product": "Other mortgage",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "90744"
},
{
"company": "Experian",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with non-monetary relief",
"complaint_id": "1788070",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "No",
"date_received": "2016-02-16T18:49:10.000",
"date_sent_to_company": "2016-02-16T18:49:11.000",
"issue": "Incorrect information on credit report",
"product": "Credit reporting",
"state": "TX",
"sub_issue": "Information is not mine",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "79416"
},
{
"company": "Comerica",
"company_response": "Closed with monetary relief",
"complaint_id": "1772735",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2016-02-04T13:31:05.000",
"date_sent_to_company": "2016-02-08T14:10:46.000",
"issue": "Overdraft, savings or rewards features",
"product": "Prepaid card",
"state": "NJ",
"sub_product": "Government benefit payment card",
"submitted_via": "Referral",
"timely": "Yes",
"zip_code": "08093"
},
{
"company": "Experian",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with non-monetary relief",
"complaint_id": "1786989",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "No",
"date_received": "2016-02-13T13:17:31.000",
"date_sent_to_company": "2016-02-13T13:17:32.000",
"issue": "Incorrect information on credit report",
"product": "Credit reporting",
"state": "MD",
"sub_issue": "Information is not mine",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "20814"
},
{
"company": "Experian",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1786871",
"complaint_what_happened": "Recent credit monitoring shows an account from XXXX XXXX listed as collection account, this account is inaccurate and do not owe XXXX or its third party XXXX, i hereby dispute this information and demands it to be removed from credit report, the collection agency nor tmobile has not contacted me with any proof of this debt and how they came about with this amount ... i believe only accurate report should be reported on one 's report. This report has damaged my credit and demands experian to do thorough investigation rather than sending electronic form of verification with the furnisher. I request a response from experian within 10 business days, until i pursue further action \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2016-02-12T12:17:31.000",
"date_sent_to_company": "2016-02-12T12:17:32.000",
"issue": "Incorrect information on credit report",
"product": "Credit reporting",
"state": "NY",
"sub_issue": "Information is not mine",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "104XX"
},
{
"company": "Citibank",
"company_public_response": "Company has responded to the consumer and the CFPB and chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1807589",
"complaint_what_happened": "XX/XX/XXXX I retired. I invested {$200000.00} in an oil exploration firm XX/XX/XXXX. The investment went sideways due to fraud XX/XX/XXXX. XX/XX/XXXX I was in poor financial condition and started job hunting ; I was hired by the XXXX XXXX XXXX XXXX XXXX. At that time I retained \" XXXX XXXX '' to try and clean up my debts without filing bankruptcy and began paying so much a month ( {$780.00} ) to build up an account to pay the debts and legal fees. We had progressed well and settled a portion of the debts I had incurred. XX/XX/XXXX I XXXX at work ( Workman 's Comp reduced income to XXXX ) and was out until XX/XX/XXXX. XX/XX/XXXX we started hearing from XXXX XXXX XXXX ( XXXX ) through the XXXX District Court of Utah and XXXX XXXX XXXX. For every submittal by XXXX, XXXX XXXX countered with their own court submittal. This went back and forth 4 or 5 times until XX/XX/XXXX with several conversations of settlement. XXXX was very abrasive and cursed at the XXXX XXXX people trying to settle the case, he would not settle. XX/XX/XXXX XXXX ( lied, said I never responded to the court ) ) convinced or bought this judge to put a judgement in on me, without my day in court and any arbitration. Per the contract I was to have my arbitration and a day in court. XXXX told XXXX XXXX that I no longer had a contract because these carpet baggers had bought this debt so they were no longer responsible for the stipulations of the contract. XX/XX/XXXX XXXX XXXX tried again to settle and offered everything I had in the account ( {$11000.00} ) they said no and cursed them out again and said they want it all. In the same month we submitted paperwork to XXXX XXXX XXXX and XXXX but XXXX did n't even respond, he ignored both arbitrations attempts. XX/XX/XXXX I found out they had garnished my pay check at XXXX but also my Utah state tax return was taken. XX/XX/XXXX the tax return was a {$3200.00} ( a write off because of the oil loss ), so they have garnished approximately {$7500.00} XX/XX/XXXX.XX/XX/XXXX they will take approximately {$9000.00} but not State tax return because the oil relief is over and now I owe money this year. XX/XX/XXXX XXXX XXXX was shut down and investigated by Fed 's for taking to much in fees up front and additional fees throughout each settlement process. Now the garnishing continues my money is tied up ( to settle ) at XXXX XXXX and I still have a corrupt lawyer and Judge to contend with day in day out. I had an original amount of {$20000.00}. The oil fraud was turned over to the Utah Commission and determined they were fraudulent and I filed an additional complaint against XXXX XXXX after finding they had over charged everyone beyond the normal fee structure. The only thing I know is lawyers are created to prey on other peoples misfortunes and make them pay and pay whether or not they say they are on your side. I have all the documentation sent to me and everything I submitted in return. I also have the court records that show no notice of a hearing and no chance to arbitrate a settlement, I 'm discussed. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2016-02-28T00:15:11.000",
"date_sent_to_company": "2016-02-28T00:15:12.000",
"issue": "Communication tactics",
"product": "Debt collection",
"state": "UT",
"sub_issue": "Used obscene/profane/abusive language",
"sub_product": "Credit card",
"submitted_via": "Web",
"tags": "Older American, Servicemember",
"timely": "Yes",
"zip_code": "841XX"
},
{
"company": "GM Financial",
"company_response": "Closed with explanation",
"complaint_id": "2010650",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "No",
"date_received": "2016-07-13T16:35:33.000",
"date_sent_to_company": "2016-07-13T16:35:34.000",
"issue": "Managing the loan or lease",
"product": "Consumer Loan",
"state": "ID",
"sub_product": "Vehicle loan",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "83687"
},
{
"company": "UMB Bank",
"company_public_response": "Company can't verify or dispute the facts in the complaint",
"company_response": "Closed with explanation",
"complaint_id": "1782389",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "No",
"date_received": "2016-02-10T19:59:17.000",
"date_sent_to_company": "2016-02-10T19:59:17.000",
"issue": "Other",
"product": "Credit card",
"state": "NE",
"submitted_via": "Web",
"tags": "Older American",
"timely": "Yes",
"zip_code": "68920"
},
{
"company": "Wells Fargo & Company",
"company_public_response": "Company has responded to the consumer and the CFPB and chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1696120",
"consumer_consent_provided": "N/A",
"consumer_disputed": "Yes",
"date_received": "2015-12-14T10:21:02.000",
"date_sent_to_company": "2016-03-07T14:02:11.000",
"issue": "Loan modification,collection,foreclosure",
"product": "Mortgage",
"state": "CA",
"sub_product": "Other mortgage",
"submitted_via": "Referral",
"timely": "Yes",
"zip_code": "95210"
},
{
"company": "Bank of the West",
"company_public_response": "Company has responded to the consumer and the CFPB and chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1754432",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2016-01-22T18:00:39.000",
"date_sent_to_company": "2016-02-16T14:43:03.000",
"issue": "Deposits and withdrawals",
"product": "Bank account or service",
"state": "CA",
"sub_product": "Checking account",
"submitted_via": "Referral",
"timely": "No",
"zip_code": "95632"
},
{
"company": "PNC Bank N.A.",
"company_response": "Closed with monetary relief",
"complaint_id": "110366",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2012-06-29T20:44:03.000",
"date_sent_to_company": "2012-07-02T04:00:00.000",
"issue": "Managing the line of credit",
"product": "Consumer Loan",
"state": "NC",
"sub_product": "Personal line of credit",
"submitted_via": "Referral",
"timely": "Yes",
"zip_code": "27816"
},
{
"company": "Experian",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1786892",
"complaint_what_happened": "The way these companies are set up is fundamentally NOT in the favor of the consumer. \nThere needs to be a simple, easy way to get a credit report and XXXX score without having to sign up for a service that you need to CALL to cancel. \nIt is not simple to set up a Fraud Alert or a Credit Freeze- that requires printing out forms, But these companies make it really easy to sign up for unwanted services that should be available for free. And they do n't make it clear on their sites that what they sell you is n't something you need to buy. The services that you can buy- they should make it easy to do online. \n\nEnough- anyone who understands credit report process at these companies or in the Govt. must know what I 'm talking about, and can articulate it better than I can. \n\nAll I can guess it that - what is it? Lobbying? - somehow these companies have really worked the legislation in their favor. Because as a consumer- trying to work with them is not simple or geared towards my best interest in any way. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2016-02-13T22:20:02.000",
"date_sent_to_company": "2016-02-13T22:20:02.000",
"issue": "Credit monitoring or identity protection",
"product": "Credit reporting",
"state": "NY",
"sub_issue": "Account terms and changes",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "100XX"
},
{
"company": "Hunter Warfield, Inc.",
"company_public_response": "Company believes the complaint is the result of a misunderstanding",
"company_response": "Closed with explanation",
"complaint_id": "1787124",
"complaint_what_happened": "I recently received a new phone number, which I think has been recycled from someone else. I continuously get automated 'debt collection ' messages from them, one, sometimes two a day. I have blocked the numbers, but, of course, they keep changing it. Whatever debt they are trying to collect, I 'm the wrong person and they need to stop, but as it seems to be a fully automated system, there 's no way I can get them to. The company comes up as \" Hunter Warfield '' and the last number they used was ( XXXX ) XXXX. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2016-02-13T15:16:54.000",
"date_sent_to_company": "2016-02-13T15:16:55.000",
"issue": "Cont'd attempts collect debt not owed",
"product": "Debt collection",
"state": "DC",
"sub_issue": "Debt is not mine",
"sub_product": "I do not know",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "200XX"
},
{
"company": "Equifax",
"company_response": "Closed with non-monetary relief",
"complaint_id": "1716899",
"complaint_what_happened": "Equifax is intentionally reporting incorrect information and not removing items when directed by the creditor. I am in the process of filing a XXXX dollar law suit against Equifax. I recently disputed the XXXX XXXX account with Equifax advising that my payment history for this account is not correct. Equifax decides to complete the investigation on XXXX/XXXX/2015 which still shows the account as delinquent. Equifax could have not completed a complete investigation as XXXX XXXX sent Equifax notice to update the account on XXXX/XXXX/2015. Equifax has caused me damage and continues to be malicious in it 's handling of my credit file. Attached is a copy of the record that XXXX XXXX sent to Equifax to update the account. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2015-12-26T02:38:57.000",
"date_sent_to_company": "2015-12-26T02:38:57.000",
"issue": "Incorrect information on credit report",
"product": "Credit reporting",
"state": "MD",
"sub_issue": "Account status",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "207XX"
},
{
"company": "PayPal Holdings, Inc.",
"company_response": "Closed with monetary relief",
"complaint_id": "1257126",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2015-02-25T02:04:03.000",
"date_sent_to_company": "2015-02-25T02:04:05.000",
"issue": "Other transaction issues",
"product": "Money transfers",
"state": "VA",
"sub_product": "Domestic (US) money transfer",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "22310"
},
{
"company": "Experian",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1788132",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "No",
"date_received": "2016-02-16T21:21:26.000",
"date_sent_to_company": "2016-02-16T21:21:27.000",
"issue": "Incorrect information on credit report",
"product": "Credit reporting",
"state": "NY",
"sub_issue": "Information is not mine",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "11362"
},
{
"company": "PayPal Holdings, Inc.",
"company_response": "Closed with monetary relief",
"complaint_id": "614321",
"consumer_consent_provided": "N/A",
"consumer_disputed": "Yes",
"date_received": "2013-11-27T04:48:22.000",
"date_sent_to_company": "2013-12-03T05:00:00.000",
"issue": "Managing the line of credit",
"product": "Consumer Loan",
"state": "IL",
"sub_product": "Personal line of credit",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "60194"
},
{
"company": "Synchrony Financial",
"company_response": "Closed with explanation",
"complaint_id": "1088146",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2014-10-28T20:11:01.000",
"date_sent_to_company": "2014-11-03T19:49:08.000",
"issue": "Customer service / Customer relations",
"product": "Credit card",
"state": "AK",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "99501"
},
{
"company": "PNC Bank N.A.",
"company_response": "Closed with explanation",
"complaint_id": "1237344",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2015-02-12T03:49:58.000",
"date_sent_to_company": "2015-02-12T03:49:58.000",
"issue": "Balance transfer",
"product": "Credit card",
"state": "OH",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "43615"
},
{
"company": "Synchrony Financial",
"company_response": "Closed with explanation",
"complaint_id": "1561326",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "Yes",
"date_received": "2015-09-10T22:51:58.000",
"date_sent_to_company": "2015-09-10T22:51:59.000",
"issue": "Disclosure verification of debt",
"product": "Debt collection",
"state": "LA",
"sub_issue": "Not given enough info to verify debt",
"sub_product": "Credit card",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "70754"
},
{
"company": "Portfolio Recovery Associates, Inc.",
"company_response": "Closed with explanation",
"complaint_id": "1789729",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2016-02-16T13:51:32.000",
"date_sent_to_company": "2016-02-19T14:23:54.000",
"issue": "Incorrect information on credit report",
"product": "Credit reporting",
"state": "FL",
"sub_issue": "Account status",
"submitted_via": "Postal mail",
"timely": "Yes",
"zip_code": "33404"
},
{
"company": "Santander Consumer USA Holdings Inc",
"company_response": "Closed with explanation",
"complaint_id": "914227",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2014-06-27T00:41:02.000",
"date_sent_to_company": "2014-06-27T00:52:06.000",
"issue": "Taking out the loan or lease",
"product": "Consumer Loan",
"state": "SC",
"sub_product": "Vehicle loan",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "29512"
},
{
"company": "SunTrust Banks, Inc.",
"company_response": "Closed with explanation",
"complaint_id": "851704",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2014-05-14T12:26:02.000",
"date_sent_to_company": "2014-05-16T03:09:06.000",
"issue": "Account opening, closing, or management",
"product": "Bank account or service",
"state": "FL",
"sub_product": "Checking account",
"submitted_via": "Referral",
"tags": "Older American",
"timely": "Yes",
"zip_code": "33904"
},
{
"company": "Experian",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with non-monetary relief",
"complaint_id": "1786324",
"complaint_what_happened": "Please note that XXXX did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to Experian they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from XXXX, and Experian, I never received any confirmation from XXXX on the status of the 7 year fraud alert. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2016-02-12T20:12:41.000",
"date_sent_to_company": "2016-02-12T20:15:21.000",
"issue": "Incorrect information on credit report",
"product": "Credit reporting",
"state": "CA",
"sub_issue": "Information is not mine",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "954XX"
},
{
"company": "Wells Fargo & Company",
"company_public_response": "Company has responded to the consumer and the CFPB and chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1867411",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "Yes",
"date_received": "2016-04-07T00:19:13.000",
"date_sent_to_company": "2016-04-07T00:19:13.000",
"issue": "Loan modification,collection,foreclosure",
"product": "Mortgage",
"state": "CA",
"sub_product": "FHA mortgage",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "91601"
},
{
"company": "CL Holdings, LLC",
"company_public_response": "Company believes it acted appropriately as authorized by contract or law",
"company_response": "Closed with explanation",
"complaint_id": "1786909",
"complaint_what_happened": "XXXX sold the debt to Jefferson Capital, and after selling it XXXX realized that the debt was an error and they sent me a letter stating the balance was deleted. ( letter attached ). And they also said they would take care of any third party vendors. Yet, even though XXXX did notify them, Jefferson Capital is still sending me a bill. I sent a copy of the XXXX letter to Jefferson Capital as proof I do not owe the bill, and they still are not removing it off my credit report. I am sending you all of the communication that I have thus far. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2016-02-13T17:02:24.000",
"date_sent_to_company": "2016-02-13T17:02:25.000",
"issue": "Cont'd attempts collect debt not owed",
"product": "Debt collection",
"state": "FL",
"sub_issue": "Debt is not mine",
"sub_product": "Other (i.e. phone, health club, etc.)",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "334XX"
},
{
"company": "Ditech Financial LLC",
"company_public_response": "Company believes it acted appropriately as authorized by contract or law",
"company_response": "Closed with explanation",
"complaint_id": "1714069",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2015-12-22T16:25:31.000",
"date_sent_to_company": "2015-12-28T13:34:16.000",
"issue": "Other",
"product": "Mortgage",
"state": "NJ",
"sub_product": "Other mortgage",
"submitted_via": "Referral",
"timely": "Yes",
"zip_code": "08059"
},
{
"company": "Bank of America",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1776740",
"complaint_what_happened": "Over the past 18 months we have been victimized by identity theft. We reported the crime to the XXXX County Sheriff 's Department, XXXX. Our credit cards, which we have had with Bank of America without incident, have bee used to fraudulently charge XXXX of dollars. While most institutions have worked with us to remove these charges from our account, BofA refuses to remove XXXX from the XXXX, XXXX statement. \nI am a XXXX year old retiree and my wife suffers from XXXX. My wife is the principle cardholder, and been unable to use a computer for the past 3 years. As the frauds were occurring, BofA never notified us, even though we had never made charges in these amounts in 30 years. In fact the charges were well above our established credit limits. \nOur daughter XXXX is also a signatory to our account. When questioned XXXX freely admitted that she had shared the passcode with her fiance, and only her fiance. BofA is claiming that this makes us responsible. All of us, including the fiance, will agree to submit to a polygraph anywhere and anytime. Texas state law limits our liabiity to {$50.00} for credit card, and {$500.00} for cash withdraw. \n\nDuring initial conversations with BofA my daughter and I determined which charges were fraud, they agreed that the charges look fraudulent and would remove. In 30 years I had never been late on a payment, and with the understanding that the charges would be removed, I paid the bill in its entirety. At this age I wanted to be sure my credit remained spotless. \nOur community is outraged over the egregious manner we have been treated. In fact, through a neighbor, the local XXXX affiliate has inquired about doing a human interest story on our plight. \nAgain in XXXX we were again victimized on our new BofA card for {$51000.00}. Again they never made a single phone call to us, in spite of our historically low charges and the problem we had in XXXX. \nI am a friend of XXXX and am helping him with this report. My name is XXXX XXXX, and I have know this couple for over 30 years, and know them to be above reproach. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2016-02-07T20:02:01.000",
"date_sent_to_company": "2016-02-07T20:02:02.000",
"issue": "Credit card protection / Debt protection",
"product": "Credit card",
"state": "TX",
"submitted_via": "Web",
"tags": "Older American",
"timely": "Yes",
"zip_code": "770XX"
},
{
"company": "Universal American Mortgage Company, LLC",
"company_public_response": "Company has responded to the consumer and the CFPB and chooses not to provide a public response",
"company_response": "Closed with monetary relief",
"complaint_id": "1810659",
"complaint_what_happened": "I am a XXXX veteran with a service connected 90 % XXXX rating. Last year in XXXX we went looking for a new home. For two years, I had been working on my credit reports. I repaired a lot of issues and once my scores went above the required XXXX, my wife and I went home shopping. Across the street from our church and daughters school was a new home subdivision just going in. It was being built and constructed by XXXX. In XXXX of 2015 we found our home and through XXXX, contacted the mortgage company called UAMC ( Universal American Mortgage Company ). They immediately approved us and we signed a contract to build on XXXX XXXX, 2015. We put down a {$500.00} binder for this VA home loan. We were so excited. My family got to put the SOLD sign in the dirt, on our very own lot!! We were just the fifth family to sign a contract. The only home in the neighborhood was the model home and a couple of foundations that had been laid. They told us that our house would be finished in XXXX of 2015. UAMC and XXXX both send me contracts to sign. They go over the credit terms and tell me to absolutely not do anything with my credit. That I was not to make any changes without calling them first. \nSo shortly after all of this, XXXX informs me that I have a 'credit specialist ' assigned to me from UAMC XXXX She will repair what 's left on my credit to get my score even higher for closing. Her name is *private*. This way, I can have an even better interest rate. I agreed happily because that sounded awesome. \nSo, Later in XXXX of 2015, homes started going up all over. XXXX started building like crazy. We were told that the building on our home would start soon. My wife drove through the neighborhood every single day. Waiting and hoping for construction to start. Nothing happened to our dirt lot until late XXXX of 2015. That 's right! They did n't start building until the time they told us our home would originally be finished. They framed the foundation, poured it and started building. Then it stopped. Sat there, all while other homes were being built like crazy. Now, homes are being finished and people started moving in. All while I constantly asked about ours and was told that the building manager will meet with us soon. That the delay of our home was this reason or that reason. I actually called them on XXXX the excuses, because I checked it out for myself and found that I had been lied to. They had told me it was the permitting office. That it takes them forever in XXXX XXXX XXXX. So I went and checked for myself. I was told it had n't even been submitted yet. Oh, and when it was submitted, it only took the department a little over a week to approve it. \nNow the middle of XXXX comes, and I get a call from XXXX. They want to show us another home because they want to close before the end of the year to make their numbers. They framed it as we want to make you happy, since your home is not done yet. Let us show you these other homes. Then it all works out for each of us. So they show us a more expensive home and then a cheaper and smaller home. They tried to tell me that I should go for the cheap smaller home and just work my way up into the big expensive ones. I declined because it was n't large enough and we did n't like it. They ended up declining me for the more expensive home and left me in the original home. Saying that it will be done eventually. \nEarly XXXX comes, and I get a call from UAMC. Calling to inform me that my credit is no longer approved because my score has dropped, and that a new collection has been added to my credit. So, my credit is no longer approved and I would need another XXXX four months to repair the damage. She said she had also spoken with XXXX and that it was fine, because the house was now projected to finish around that same time. What???? SEE ATTACHED FOR FULL COMPLAINT \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2016-03-01T16:50:04.000",
"date_sent_to_company": "2016-03-01T16:50:05.000",
"issue": "Credit decision / Underwriting",
"product": "Mortgage",
"state": "FL",
"sub_product": "VA mortgage",
"submitted_via": "Web",
"tags": "Servicemember",
"timely": "Yes",
"zip_code": "320XX"
},
{
"company": "PNC Bank N.A.",
"company_response": "Closed with explanation",
"complaint_id": "460248",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2013-07-17T23:00:41.000",
"date_sent_to_company": "2013-07-22T04:00:00.000",
"issue": "Loan servicing, payments, escrow account",
"product": "Mortgage",
"state": "NJ",
"sub_product": "Other mortgage",
"submitted_via": "Referral",
"timely": "Yes",
"zip_code": "07920"
},
{
"company": "SunTrust Banks, Inc.",
"company_response": "Closed with monetary relief",
"complaint_id": "1068385",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2014-10-12T13:20:15.000",
"date_sent_to_company": "2014-10-12T13:22:07.000",
"issue": "Loan modification,collection,foreclosure",
"product": "Mortgage",
"state": "FL",
"sub_product": "Conventional fixed mortgage",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "32828"
},
{
"company": "Bank of America",
"company_public_response": "Company has responded to the consumer and the CFPB and chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1794432",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2016-02-18T14:04:01.000",
"date_sent_to_company": "2016-02-26T14:19:12.000",
"issue": "Loan servicing, payments, escrow account",
"product": "Mortgage",
"state": "CA",
"sub_product": "Home equity loan or line of credit",
"submitted_via": "Referral",
"timely": "Yes",
"zip_code": "93001"
},
{
"company": "Synchrony Financial",
"company_response": "Closed with explanation",
"complaint_id": "1809924",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2016-03-01T00:00:34.000",
"date_sent_to_company": "2016-03-01T20:07:01.000",
"issue": "Account opening, closing, or management",
"product": "Bank account or service",
"state": "MD",
"sub_product": "(CD) Certificate of deposit",
"submitted_via": "Referral",
"timely": "Yes",
"zip_code": "21666"
},
{
"company": "PNC Bank N.A.",
"company_response": "Closed with explanation",
"complaint_id": "738197",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2014-02-28T20:43:10.000",
"date_sent_to_company": "2014-02-28T05:00:00.000",
"issue": "Loan servicing, payments, escrow account",
"product": "Mortgage",
"state": "IL",
"sub_product": "Home equity loan or line of credit",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "60445"
},
{
"company": "PNC Bank N.A.",
"company_response": "Closed with explanation",
"complaint_id": "728226",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2014-02-24T16:31:46.000",
"date_sent_to_company": "2014-02-24T05:00:00.000",
"issue": "False statements or representation",
"product": "Debt collection",
"state": "NJ",
"sub_issue": "Attempted to collect wrong amount",
"sub_product": "Mortgage",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "08886"
},
{
"company": "PNC Bank N.A.",
"company_response": "Closed with monetary relief",
"complaint_id": "562813",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2013-10-18T13:22:26.000",
"date_sent_to_company": "2013-10-18T04:00:00.000",
"issue": "Loan servicing, payments, escrow account",
"product": "Mortgage",
"state": "MA",
"sub_product": "Conventional fixed mortgage",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "01740"
},
{
"company": "Western-Shamrock Corporation",
"company_response": "Closed with explanation",
"complaint_id": "1754159",
"complaint_what_happened": "I had given the run around that I would be able to pay but when I finally told them that I did not have the money and that I would pay it off as soon as I got my taxes and that they had been filed they said they would have to continue the collection. I told them ok I understand. They have been calling me daily and I tell them the same thing daily, that I am unable to pay but I will be able to do something at least by the XXXX. Today I did n't even receive a call and XXXX, the manager, said that she just decided to call my references instead because I was going to tell her the same thing. I have been answering now and being honest and now I am at the point that this is harassing and it is very stressful because I am doing the right thing now by being honest and I answer and I tell them as soon as I get paid I will pay it. She told me that it was policy to call my references when I continue to give them the same answer every time. This was for Western Shamrock in XXXX, XXXX. I talked to one of my friends that has a loan with them that she still owes them and they do n't do this to her. XXXX, has even called my job wanting to know what she needed to do put a garnishment on an employee that worked for my company. I am fed up. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2016-01-22T22:52:14.000",
"date_sent_to_company": "2016-02-26T14:53:31.000",
"issue": "Problems when you are unable to pay",
"product": "Consumer Loan",
"state": "OK",
"sub_product": "Installment loan",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "735XX"
},
{
"company": "Select Portfolio Servicing, Inc",
"company_public_response": "Company believes it acted appropriately as authorized by contract or law",
"company_response": "Closed with explanation",
"complaint_id": "1778299",
"complaint_what_happened": "On or around XXXX XXXX, XXXX, I received a XXXX ( Cancellation of Debt ) from SPS Mortgage. The date of identifiable event is XXXX/XXXX/XXXX. SPS Mortgage continued to collect mortgage payments before and after the identifiable event date. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "Yes",
"date_received": "2016-02-08T23:42:12.000",
"date_sent_to_company": "2016-02-08T23:42:12.000",
"issue": "Loan servicing, payments, escrow account",
"product": "Mortgage",
"state": "AZ",
"sub_product": "Conventional fixed mortgage",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "851XX"
},
{
"company": "Experian",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1783165",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "Yes",
"date_received": "2016-02-11T16:14:41.000",
"date_sent_to_company": "2016-02-16T20:05:13.000",
"issue": "Credit reporting company's investigation",
"product": "Credit reporting",
"state": "FL",
"sub_issue": "No notice of investigation status/result",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "33760"
},
{
"company": "Bank of America",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with non-monetary relief",
"complaint_id": "1768950",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2016-02-03T00:00:16.000",
"date_sent_to_company": "2016-02-08T22:01:38.000",
"issue": "Loan modification,collection,foreclosure",
"product": "Mortgage",
"state": "CT",
"sub_product": "Other mortgage",
"submitted_via": "Referral",
"timely": "Yes",
"zip_code": "06040"
},
{
"company": "Experian",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1752104",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2016-01-21T15:14:44.000",
"date_sent_to_company": "2016-02-16T17:20:04.000",
"issue": "Incorrect information on credit report",
"product": "Credit reporting",
"state": "GA",
"sub_issue": "Information is not mine",
"submitted_via": "Postal mail",
"timely": "Yes",
"zip_code": "30058"
},
{
"company": "Select Portfolio Servicing, Inc",
"company_public_response": "Company believes it acted appropriately as authorized by contract or law",
"company_response": "Closed with explanation",
"complaint_id": "1776615",
"complaint_what_happened": "In it 's answer to complaint XXXX, SPS denies my demand to rescind my loan. \nThey base the denial on the fact that my my loan originated in XX/XX/XXXX ... ... my ORIGINAL loan did originate in XX/XX/XXXX, but it was REFINANCED ( NOT MODIFIED ) XX/XX/XXXX. \nI say it was refinanced because the loan was INCREASED by over {$50000.00} because they added the balance of funds they ( actually XXXX XXXX, the servicer at the time ) used to pay off my then XXXX mortgage with XXXX XXXX without my knowledge or permission. They did n't just modify my original loan, they did a cashout ( the funds from XXXX mtg payoff ). The only way it would be a modification is if they did n't add the extra funds to MY account. \nSince I never received ANY TIL materials, or even an accounting for the extra money, I am exercising my 3 rear right of rescission, which I originally notified the XX/XX/XXXX. \nIf the refinance that they call a modification was really just a modification, they would be right, but the refinance occurred on XXXX/XXXX/XXXX, and I am well within the 3 year window to rescind. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "Yes",
"date_received": "2016-02-07T20:35:44.000",
"date_sent_to_company": "2016-02-07T20:35:45.000",
"issue": "Settlement process and costs",
"product": "Mortgage",
"state": "TN",
"sub_product": "Conventional fixed mortgage",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "371XX"
},
{
"company": "U.S. Bancorp",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1780693",
"complaint_what_happened": "In XXXX 2015, I completed an application requesting mortgage assistance from US Bank due to a financial hardship. After 20 years on the job, my company had a massive layoff and I became unemployed. I fell behind on my mortgage payments with US Bank and applied for mortgage assistance. I submitted all documents requested, and was assigned to a Relationship Manager. A few weeks later I received a call from my Relationship Manager requesting additional documentation to process my request for assistance. According to the Relationship Manager, the underwriter, was requesting a letter from my employer to verify my employment, a current mortgage statement for my properties, a Homeowner Insurance Declaration page, a 2015 tax bill, XXXX recent bank statements and the Homeowners Association Fee ( if applicable ). She also stated that if my property is a rental, I need to send a current lease, with XXXX recent bank statements and circle the rental deposits or send canceled checks. Please note, this property is not a rental, it is my primary residence so I was taken back by their request but I immediately complied and submitted all documents via fax and email. To ensure that my application was complete and to avoid any future discrepancies regarding my rentals, I circled the rental deposits on the bank statements to show proof of my rental income as stated upon my application and advised by the Relationship Manager. Shortly thereafter, the Relationship Manager called me again, requesting the exact same documents again. Once again, I submitted the documents and waited to hear back from US Bank. \nApproximately XXXX weeks later, my Relationship Manager notified me again, that she needed the mortgage statements, another letter of employment clarifying the gift card payouts stating the frequency of how often gift cards are paid out, and a copy of the 2015 tax bill. I complied and resubmitted the documents, my employer wrote another letter stating the frequency of gift card pay outs and I resubmitted the mortgage statements and 2015 tax bill. Now that I have submitted these documents XXXX times, I did not think it would be long before I received an updated status on my application. However on or around XXXX XXXX, 2015 I received a call from my Relationship Manager, stating that they need another copy of my mortgage statement because it is not in the file. Since I had submitted the mortgage statements XXXX times already I could not understand why it would not be in the file, but I complied and sent it again via email and fax. Due to the poor mishandling of my file over the past month and a fast approaching deadline of XXXX XXXX, 2015 to have my documents evaluated by an underwriter, I made the request that US Bank reply, by letting me know they have all documents since I have submitted new documents XXXX times already. I received a response that all documents had been received and the file was now with an underwriter. On, or around the XXXX week in XXXX, I received a call that my file had been denied since I failed to submit mortgage statements as requested. I was absolutely appalled since I had resubmitted these documents XXXX times already. So while on the phone, I requested that the US Bank representative review my file because the mortgage statements should be there. After going through my file, he quickly located the mortgage statements, apologized and stated he would resubmit my file and call me back in 24 hours. I never heard back from him so I called back. I spoke to another representative who also confirmed my file was denied since I failed to submit my mortgage statements. I explained the situation and the file was forwarded a supervisor, who escalated the file back to underwriting. Due to the poor negligence in handling my file, I want the CFPB to conduct a thorough investigation in the practices of US Bank and how I was treated. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2016-02-09T21:14:47.000",
"date_sent_to_company": "2016-02-09T21:14:47.000",
"issue": "Loan modification,collection,foreclosure",
"product": "Mortgage",
"state": "OH",
"sub_product": "Home equity loan or line of credit",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "430XX"
},
{
"company": "Bank of America",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with non-monetary relief",
"complaint_id": "1756591",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "No",
"date_received": "2016-01-25T20:09:39.000",
"date_sent_to_company": "2016-01-25T20:09:40.000",
"issue": "Loan modification,collection,foreclosure",
"product": "Mortgage",
"state": "CO",
"sub_product": "Conventional fixed mortgage",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "80014"
},
{
"company": "Bank of America",
"company_public_response": "Company chooses not to provide a public response",
"company_response": "Closed with explanation",
"complaint_id": "1766846",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "No",
"date_received": "2016-02-01T14:13:42.000",
"date_sent_to_company": "2016-02-01T14:13:43.000",
"issue": "Account opening, closing, or management",
"product": "Bank account or service",
"state": "FL",
"sub_product": "Checking account",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "33068"
},
{
"company": "Equifax",
"company_response": "Closed with explanation",
"complaint_id": "1716906",
"complaint_what_happened": "I have asked multiple times for XXXX, XXXX XXXX and Equifax to correct or remove the public record Ch. XXXX Bankruptcy. They have not and continue to report it as a new Bankruptcy. My credit report needs to read \" Date Filed : XX/XX/XXXX. '' \" Date Successfully Completed : XX/XX/XXXX '' All XXXX credit bureaus have this as a New Bankruptcy and they refuse to correct their wording. \n",
"consumer_consent_provided": "Consent provided",
"consumer_disputed": "No",
"date_received": "2015-12-25T22:02:20.000",
"date_sent_to_company": "2015-12-25T22:02:21.000",
"issue": "Incorrect information on credit report",
"product": "Credit reporting",
"state": "TX",
"sub_issue": "Public record",
"submitted_via": "Web",
"tags": "Servicemember",
"timely": "Yes",
"zip_code": "750XX"
},
{
"company": "JPMorgan Chase & Co.",
"company_response": "Closed with explanation",
"complaint_id": "1571976",
"consumer_consent_provided": "Consent not provided",
"consumer_disputed": "Yes",
"date_received": "2015-09-21T11:02:27.000",
"date_sent_to_company": "2015-09-21T11:02:28.000",
"issue": "Fraud or scam",
"product": "Money transfers",
"state": "NY",
"sub_product": "Domestic (US) money transfer",
"submitted_via": "Web",
"timely": "Yes",
"zip_code": "12303"
},
{
"company": "JPMorgan Chase & Co.",
"company_response": "Closed with non-monetary relief",
"complaint_id": "1405469",
"consumer_consent_provided": "N/A",
"consumer_disputed": "Yes",
"date_received": "2015-06-04T23:00:11.000",
"date_sent_to_company": "2015-06-18T17:42:25.000",
"issue": "Taking out the loan or lease",
"product": "Consumer Loan",
"state": "AL",
"sub_product": "Vehicle loan",
"submitted_via": "Referral",
"timely": "Yes",
"zip_code": "36117"
},
{
"company": "JPMorgan Chase & Co.",
"company_response": "Closed with explanation",
"complaint_id": "315519",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2013-02-12T18:00:44.000",
"date_sent_to_company": "2013-02-13T05:00:00.000",
"issue": "Loan modification,collection,foreclosure",
"product": "Mortgage",
"state": "CA",
"sub_product": "Other mortgage",
"submitted_via": "Referral",
"timely": "Yes",
"zip_code": "92374"
},
{
"company": "JPMorgan Chase & Co.",
"company_response": "Closed with explanation",
"complaint_id": "1008578",
"consumer_consent_provided": "N/A",
"consumer_disputed": "No",
"date_received": "2014-08-29T19:30:09.000",
"date_sent_to_company": "2014-08-29T19:37:13.000",
"issue": "Loan modification,collection,foreclosure",
"product": "Mortgage",
"state": "SC",
"sub_product": "FHA mortgage",
"submitted_via": "Web",
"tags": "Servicemember",
"timely": "Yes",
"zip_code": "29483"
},